vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
synocary bank continually denies any credit applications i file, my credit score has gone up and its almost three years since my medical bankruptcy i do not think their making a fair assement of my credit report especially since i received 2 unsecured credit cards form XXXX XXXX and both are in good standing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX on XX/XX/2020. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. The effects of this matter have been causing me severe health problems and difficulties in my marriage. Equifax is now negligent in failing to comply with

t he U.S. Codes of Law. I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commercial Acceptance Company
State: NY

Complaint narrative:
I am unaware of the debt or the company that they represent. However it did not stop them from contacting relatives and acquaintances about this alleged debt. They called and left messages as well. The woman 's name was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Per my request to Wells Fargo I advised them in writing that I was mislead and mistreated on the day I purchased a car. I notified Wells Fargo verbally on multiple occasions expressing my concerns with their company. The contract was very Confusing and misleading per the fraud services that were added without my knowledge which was GAP insurance and extended service. This was in fact removed off of my contract by my complaint but it was already included in my price of my car leaving the dealership. I have been struggling with this complaint since the beginning of the contract speaking with those at Wells Fargo! I spoke with a representative due to a returned VM early 2021. I was advised that she was going to escalate my complaint to the executive office and someone will be in touch with me. I received a call back in XXXX by a person in the executive office which he asked me to restate my concerns that were in the letter. As I was already frustrated by speaking with the rep before him and already voicing my concerns and demands I went ahead and repeatedly advised him of the laws, violations and issues that I had with the company. The laws that Wells Fargo is in violation of is :15 USC 1605-1692 Fair Debt Practices, 15 USC 1681 FCRA, 15 USC 1601-1667f Truth in Lending Act, 15 USC 1691 The Equal Credit Opportunity ACT, 15 USC 6801*6809 The Gramm leach BALILEY ACT USC 1605 states and 12 CFR226.3 : Transaction should be the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed. The amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount. I am paying cash for my car loan monthly which this was already paid by my Estate per my bonded birth certificate. Also no cash transaction are legal on this loan per this law. The rep advised me this was NOT against the law which is incorrect! 15 USC 1605 states that at the time of purchase a client 's liability insurance must be added in with the car price and finance charges, this did NOT take place either because I pay monthly for my car insurance which includes liability coverage and collision coverage which was required before I left the dealership with the vehicle I was purchasing. At this point I am escalating this to CFPB due to illegal practices with this company and since a right to rescind which by law I was also NOT provided in writing or verbally I am demanding this contract to be null and void per 12 CFR226.3 I know by law that I am not liable for any finance or other charges!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: DC

Complaint narrative:
I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. I, XXXX XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan, was denied my right of credit by ALLY FINANCIAL INC. d/b/a ALLY Bank. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by ALLY FINANCIAL INC. d/b/a ALLY Bank on XX/XX/2021 via mail. According to 15 USC 1602 definitions of The Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by ALLY FINANCIAL INC. d/b/a ALLY Bank adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( li ) are up to { {$5000.00} }. ALLY FINANCIAL INC. d/b/a ALLY Bank is now civilly liable to pay me for the damages.

REMEDY Pay me {$5000.00} for damages.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Innovate Managed Holdings, LLC
State: NJ

Complaint narrative:
XX/XX/XXXX there was a natural disaster on XX/XX/XXXX I called the lender stating the car was a total loss my insurance provider was stating it was inundated in I told the lender the car was going to be payed off by insurance they continued charging and collecting effecting My overall original payout XXXX to XXXX and 3 months of late reporting one person stated they didn't have notes but I spoke to someone XX/XX/XXXX at XXXXXXXX XXXX who stated all the notes where in the system this has caused irreparable damage to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I am XXXX XXXX and Im submitting this complaint myself and there is no third party involved. 
I, XXXX XXXX, consumer, natural person, original creditor of an open-ended credit plan was violated by SANTANDER CONSUMER USA by furnishing negative information on my consumer report in the form of a late payment, defaming my character, leaving me vulnerable to denials of credit, higher interest rates, and other adverse actions of the like. I am disturbed and stressed that this reporting is being shown to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: PNC Bank N.A.
State: NM

Complaint narrative:
I received an unsolicited VISA card from PNC Bank for an account I closed over ten years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: National Management Recovery Corp. (NMRC)
State: AL

Complaint narrative:
I owe XXXX {$3000.00}. I encountered financial roadblocks due to COVID 19 pandemic. On XX/XX/XXXX, my father was diagnosed with XXXX XXXX. He was out of work until XX/XX/XXXX. During this time, I helped to support my parents financially. I also got behind on payment during this time due to the support of my family. I had contact XXXX to inform them that I would set up a payment plan. On XX/XX/XXXX, I received a call from XXXX ( XXXX, EXT XXXX ) informed that they were going to pick me up, contact my place of employement, take me to court, etc. 

I informed XXXX that I would set up a payment plan due to not having the funds. When the payment tried to run, my bank declined the payment due to fraud alert. This was on XXXX XXXX, so the bank was closed. I informed them that I would contact my bank on XX/XX/XXXX to speak with them about the block. During the day on XX/XX/XXXX, I was very busy and was unable to take their call. I received another call stating my information was being pushed to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I originally had XXXX fraudulent derogatory marks on my Equifax credit report and XXXX fraudulent derogatory marks on my XXXX report from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My insurance provider covers my visits to the XXXX Associates of XXXX and I have never gone to XXXX XXXX XXXX XXXX. I disputed the mark from XXXX XXXX XXXX in XXXX with Equifax and it was briefly removed but then put back into my report after some time. I have been disputing the XXXX XXXX marks with both Equifax and XXXX from XX/XX/XXXX until XX/XX/XXXX with no success. Every time the marks where removed from my credit report, they have been inputed back in for the same number of marks and amount by XXXX or for double the amount and have increased the original XXXX derogatory marks to a total of XXXX derogatory marks by Equifax. I have spent a lot of time and effort trying to dispute these fraudulent marks for several years online and over the phone, each time the marks would be removed and then added back in some time later. The most recent action I took was in XX/XX/XXXX, but the marks were recently added back in by both Equifax and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
XXXX XXXX agency was contacted about a {$590.00} medical debt that was explained that the debt was not true. It was expressed and explained that debt was covered by Insurance and therefore was not a debt to be collected nor was it accepted as my personal debt. Company never verified and did not comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Netspend Corporation
State: WI

Complaint narrative:
There was a cash back rewards program added to my online account while I was reviewing transactions. I did not ask for this cash back rewards program. I believe it is stealing money from the account. Please check the html coding inside of the rewards box.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over XXXX days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I called Wells Fargo to have a something called a " cash back '' rewards program removed from my online banking account. I believe the HTML coding is stealing money and funds are leaving my account unnoticed. I called Wells Fargo in the past to have this rewards program removed and they have refused to removed the coding. All of the transactions in my online banking account are all out of order.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
The Account has been restricted since XX/XX/XXXX. The bank deposited and withheld {$600.00} stimulus refund from consumer which was deposited on XX/XX/XXXX. XXXX is obligated by law to have those funds. When speaking with the IRS in regard to issuance, it was in fact informed that Capital One should have returned those funds to the IRS because the account was restricted upon deposit and they did not. When speaking with Capital One on today XX/XX/XXXX a representative by the name of XXXX informed consumer that she does not have authorization to those funds because of the account having a negative balance. However, on the opening message to consumers when calling Capital One it states that any stimulus, or child tax XXXX XXXX payments that are deposited into a restricted account are returned to the IRS. I am by law entitled to these funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These hard inquiries need to be removed from my TransUnion credit report, since I do not recognize them, and I believe they are fraudulent : XXXX Location XXXX XXXX XXXX XXXX, WI XXXX Requested On XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX  Location XXXX XXXX XXXX XXXX, DE XXXX Requested On XX/XX/2021, XX/XX/2021, XX/XX/2021 Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX Requested On XX/XX/2021 Phone XXXX XXXX XXXX XXXX  Inquiry Type

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
approx XXXX of 2018 chase bank closed my business checking account, with no explanation, freezing my access and withholding both my money and statements, necessary for taxes, with no explanation by phone or in person. 

I was directed to go to a branch for my local deposit, which had no answers either. A simple transaction, where I opened a savings account on chase bank 's online banking platform, funded with existing funds from my business checking account, somehow was the root cause of this, yet no explanation was offered. 

When calling by phone to try to investigate this matter, one of the representatives mentioned that someone else contacted chase and was given information regarding my account, at which point I made it clear that I had never authorized access to anyone else, nor did anyone else have the login credentials, and was met with rude responses in the face of an obvious security issue. 

All my business transactions are fully documented, with invoices and paper trails, yet chase refuses to provide an explanation for why they froze me out of access to my money and statements, and continues to refuse to provide even basic checking services for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I originally had 3 fraudulent derogatory marks on my XXXX credit report and 2 fraudulent derogatory marks on my TransUnion report from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. My insurance provider covers my visits to the XXXX XXXX of XXXX and I have never gone to XXXX XXXX XXXX XXXX. I disputed the mark from XXXX XXXX XXXX in XXXX with XXXX and it was briefly removed but then put back into my report after some time. I have been disputing the XXXX XXXX marks with both XXXX and TransUnion from XX/XX/XXXX until XX/XX/XXXX with no success. Every time the marks where removed from my credit report, they have been inputed back in for the same number of marks and amount by TransUnion or for double the amount and have increased the original 3 derogatory marks to a total of 7 derogatory marks by XXXX. I have spent a lot of time and effort trying to dispute these fraudulent marks for several years online and over the phone, each time the marks would be removed and then added back in some time later. The most recent action I took was in XX/XX/XXXX, but the marks were recently added back in by both XXXX and TransUnion.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Komyatte & Casbon, P.C.
State: IL

Complaint narrative:
Komyatte & Casbon P.C. has issued a debt to me without verification. This agency was issued a dispute and given explanation that debt was not applicable. Komyatte & Casbon P.C. without verification of debt sent derogatory marks to all credit bureaus that resulted in me receiving negative credit reports and disqualification of loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft. the following inquirues are unknow and not authorized by me XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief