vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo was attempted to collect a auto debt that originated from my social security card in a consumer credit transaction with XXXX XXXX XXXX. XX/XX/XXXX I sent Wells Fargo Auto a cease and desist, Affidavit of truth and a invoice for civil remedy. Since then Wells Fargo auto has continued to communicate with via an invalidated debt on my consumer report. My affidavit that I sent to them on XX/XX/XXXX went unrebutted for more than 30 days. 

On XX/XX/XXXX Wells Fargo Auto contracted XXXX XXXX XXXX to illegally reposes my XXXX XXXX XXXX even though they have not rebutted my affidavit and I do not owe them anything. I contacted XXXX XXXX XXXX and told them I have a cease and desist against Wells Fargo Auto and my vehicle was illegally repossessed, I demanded they return my stolen property and they said they acted on orders from Wells Fargo Auto and the only way they could release the vehicle to me is with consent of Wells Fargo Auto. 

Wells Fargo Auto executive department has since not returned my calls and they have not given me any information to retrieve my stolen property.

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 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I cant gain access to my credit report online and o cant reach anyone over the phone to assist.

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
Consumer complaint received 2022-01-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I reach out to Equifax by mail and phone to dispute public records on my credit report. I provide a letter from the court saying they do not report information the Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
THERE ARE 2 ACCOUNTS THAT ARE SUPPOSED TO BE DELETED AND THEY ARE PAID OFF SEE LETTER AND ONE ACCOUNT THAT IS REPORTED WRONG BECAUSE OF A CHARGE OFF WHICH IS IN ACCURATE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I signed an extension with Santander Consumer USA with the clear understanding from the representative on the phone that after I paid the XXXX payments that I was late on due to issues with XXXX and XXXX that my contract would return to the original agreement. I paid them I think in about 60 to maybe 90 days later, and when checked my credit report it said that Santander was now reporting me as on time, and that all was good. Later about XXXX of XXXX I wanted to trade in the vehicle and so I requested a pay off amount and I was shocked to see that Santander was charging me 62 % interest on my contract. My monthly payment of {$500.00} Santander was applying {$390.00} to interest. An unbelievable 78 % interest rate. And {$100.00} toward the principal. I called the Santander for an explanation and they would keep me on the phone for usually over an hour, then the representative would come back on the phone say that their boss said they would mail me an explanation. Nothing would happen and I would call and it would the same run around. They wore me out. Help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I didn't receive any alert. I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors and stopping me from buying my dream home. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Here 's a list of the fraudulent inquiries : XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Credit on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: CA

Complaint narrative:
someone tried to open a credit card in my name and ssn through us bank.

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 2022-01-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am continually being called on the telephone over an alleged debts. I am requesting validation of these debts.These accounts have been reporting inaccurately. I want to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. These errors need to be looked into, so please do your investigation on this and remove or delete these accounts and correct the errors on my credit report.

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
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
I ASK FOR A LETTER TO GIVE THE STATE OF XXXX THAT I WAS NOT ON THE LOAN AND IN RETURN FOR THE LETTER THE ESTATE WOULD PAY OF THE LOAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Their investigation did not fix an error on your report
Company: Verisk Analytics Inc
State: FL

Complaint narrative:
On XX/XX/2020, I sent a correspondence letter to XXXX requesting information on a bankruptcy they were reporting to XXXX that was inaccurate. I provided documentation from both XXXX and XXXX that this erroneous entry was deleted from my credit report along with a correspondence letter from XXXX XXXX that the bankruptcy was also deleted from my profile due to inaccuracies. I received a letter from XXXX, dated XX/XX/2020 informing me that XXXX XXXX XXXX ( XXXX ), acts as a furnisher and provided bankruptcy information to credit reporting agencies bureaus. The letter stated these records are considered " public '' even though they may contact personal information and since the information XXXX reported was obtained from a publicly available source, they do not have authority to change the information ( including opt-out preference ). The letter also stated to dispute the completeness or accuracy of this bankruptcy, I may submit a letter of dispute to XXXX identifying the specific information being disputed, the basis for the dispute, and include all supporting documentation to substantiate the basis of my dispute. I've provided all this information in my initial dispute and they failed to overlook it. 

XXXX collects date from XXXX XXXX and XXXX for public records. XXXX XXXX is regulated under the FCRA but XXXX is not when they report the same information, why? Can you explain the difference between the two types or data collections? That BOTH affect credit worthiness? 

Section 603 ( d ) ( 1 ) defines " consumer report '' as communication by a reporting agency with information that bears in a consumers credit worthiness ( see attached image for full definition ). How is XXXX not being regulated by the FCRA then? 

XXXXXXXX XXXX website stats to contact XXXX in the event a consumer suspects their bankruptcy information is erroneous. However, XXXX 's website directs us to contact XXXX if we have questions on the bankruptcy. Why is there a conflict of information? Who exactly should the consumer contact? Secondly, on XXXX 's website, they EXPLICITLY state " XXXX DOES NOT MATCH XXXX INFO TO XXXX CREDIT FILES '' ... XXXX, how does XXXX consider this information verified if XXXX is stating they do not verify such information? 

Also, why is PrivacyRights.org reporting XXXX to have claimed to be covered by the Fair Credit Reporting Act ( FCRA ) if they are not ( see attached image for documentation purposes )? 

FCRA Section 603 ( 5 ) ( p ) also recognizes any company who supplies public record information to XXXX ( or any credit reporting agencies ) as a " consumer reporting agency '' Again, how can XXXX report anything to XXXX on a consumer if they are being recognized as a reporting agency?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I received a letter from Chase Cardmember Services on XX/XX/XXXX where they closed my account because balances on account were too high compared to credit limits and currently over limit on chase accounts. However, my credit limits never exceeded the max limit and I've spent over {$40000.00} on my Chase XXXX card the following year and paid it off in full I even made a payment for {$9900.00} on XX/XX/XXXX which doesn't make any sense for chase to close my account. I have never had a late payment or missed a payment whereas I paid all my bills on time and in full a majority of the times. I have a XXXX credit score when all my balances are paid off and never had any issues with payments where chase would need to close my account. Also, this was self inflicted with chase as to my balance was within the credit limits. Chase had failed me in a chargeback from a merchant where I didn't make the purchase which is to what pushed my account over the limits and I didn't even have the time to check or respond to what happened with the merchant or the account as it all happened so fast and soon within 48 hours to get a email stating that chase closed my account. I am greatly frustrated and ashamed that after this past year chase would close my account when I have been nothing but a good customer and never missed and made all my payments on time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DRB-40, LLC
State: MO

Complaint narrative:
Someone has been calling my sister repeatedly asking for me. I have not recieved any communication from them at all. Not a call, letter or voicemail and I dont owe anyone anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
On XX/XX/XXXX I attempted to withdraw {$500.00} from an ATM. The ATM displayed an error and didn't distribute the funds. However, the {$500.00} had been taken from my account. I called the XXXX number on the ATM and drove immediately to the nearest XXXXXXXX XXXX location . The person at XXXX XXXX told me I would have to file a dispute with my bank for that transaction. So, I went home and filed the dispute immediately. In the meantime, I was credited the {$500.00} while the dispute was being reviewed. Six weeks later, I notice that my bank, USAA, took the {$500.00} back out ( XX/XX/XXXX. ) I called USAA on XX/XX/XXXX to ask why the funds were taken out and they stated that they received information from XXXXXXXX XXXX  stating that no error had occurred. I asked my bank, USAA, to open up the dispute again and request VIDEO from the ATM to verify. On XX/XX/XXXX I filed a report with my local police department and they went to the bank to request video. On XX/XX/XXXX I also filed a complaint with the XXXX I have yet to hear back from my local PD. On XX/XX/XXXX I called USAA again and requested that they ask for video evidence and why my dispute hadn't been reopened. On XX/XX/XXXX I called USAA again and asked why a member of their dispute team hadn't called me back yet. At that point in time, I was informed that they reviewed my call from XX/XX/XXXX and that there was in fact an error at the ATM and that I would be getting my {$500.00} back in the next 1-2 days and that I would receive a call from a manager within XXXX hours to confirm this and provide written confirmation. On XX/XX/XXXX I hadn't heard back from USAA so I contacted them. Now, they're saying that there were no notes put in to reflect the refund of {$500.00} or the request for a manager call back. On XX/XX/XXXX I called XXXXXXXX XXXX again and they stated that to obtain video footage of this transaction as proof that I didn't receive my funds, USAA would be required to request a copy of said video. At that time, I called USAA and informed them that USAA would need to submit a request for a copy of the video footage. I was then informed that they would make a note of this and that I would hear back within XXXX hours. As of XX/XX/XXXX, I hadn't heard anything from USAA and called them. XXXX, the individual responsible for my case, wasn't available so the agent on the phone took my information and said that I would hear back from her or her boss today. ( This was the second time I'd asked to speak to her supervisor about the information I had received, the information I was trying to provide and the way this situation had been handled by this bank. ) As of XXXX on XX/XX/XXXX, I still have not received any type of communication from XXXX or her supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: KY

Complaint narrative:
XXXX XXXX XXXX reposed by car on behalf of Westlake Financial- I never received no letters, no phone calls etc. so while I was visiting my daughter with all of my belongings in car including my purse and my daily medication- was taken out of my daughters driveway. I took care of the issue immediately by making a payment, however no car, no purse, no medicine. I have talked to 10 people at westlake and attempted to call XXXX all day, in order to at least get my medicine. Finally after holding 60 min and then being told that I would have to do a callback someone called me 6 hours later, I asked about my medicine. I was told by the rudest person I have ever spoken with. That the lot is open by apt only and too bad for me. I have witnesses to the call. I said I need my medicine and again was told not her problem. So I am once again on hold with them. I am XXXX years old and quite disturbed by this and not one person will help me. By the way the confirmation number for my payment is XXXX I was also told by the XXXX XXXX XXXX that Westlake did not send anything over-

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 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Wilber and Associates, P.C.
State: NC

Complaint narrative:
Received letter in the mail stating they were collecting debt in regards to an insurance claim for an incident 2 years ago. We've never been in an incident on any such date or area. Upon searching information on the collector, there are hundreds of reports they are illegally trying to collect bogus debts and once you reach out to them they are relentless in their attempts to collect and unless you hire an attorney they do not stop. I will hire an attorney if needed.

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 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am a man/natural person and this is not a credit repair company. On XX/XX/XXXX, I exercised my right as the consumer/benificiary in a consumer credit transaction when I applied for a credit card with BANK OF AMERICA XXXX My personal information was used on the application as well as my location information. From my understanding, banks do not lend money or extend credit as we have been bankrupt since 1933. 12 usc 83 - No national bank shall make any loan or discount on the security of the shares of its own capital stock. BANK OF AMERICA became trustee to my social security trust as this is a trust action. They deprived me of my rights to extend credit which is a violation of 18 usc 242. They have committed trust fraud, bank fraud, and securities fraud. Each holding a fine from {>= $1,000,000} to {>= $1,000,000}. I received no benefit which is unauthorized use of my credit card. In order to clarify that there has not been any false claims of securities, illegal securitizations, trades, hypothecating, interest, and proceeds fraud entry misapplied in my name, as benificiary of the account Pursuant to 15 USC 44 Im asserting my rights to acquire documentary evidence for the books of account as defined in IRS 583. Id like to access record keeping of both journal and ledger credits of the account, as well as ledger and debits of the account, in order to verify the current accounting and taxes related to this account. This will allow me to reaffirm my status as the benificiary and you in fact have been loaned the amount in question. This will also confirm aggravates identity theft as you are conspiring to profit without my knowledge or benefit when you are trustee to my trust. Failure to produce said documents will be deprivation of rights as described before and {$10000.00} and/or 5yrs in prison for any. You have committed theft by deception and embezzlement both federal crimes.

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