vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XXXX XXXX I went to XXXX  to look at a vehicle. 
Ally accessed my credit report illegally and created a forged contract on XXXX XXXX. 
They refuse to act legally. Ally was never given permission to access my credit or create a contract with a fake signature on XXXX XXXX. Evident in the ProoXXXX provided.

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 2022-02-09 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: FL

Complaint narrative:
Recently viewed my credit report and seen multiple unauthorized inquiries on there.

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 2022-02-09 00:00:00
Product: Debt collection — Credit card 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
They sent a letter saying that they won a case in court and that if we don't pay or make arrangements will face jail.

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 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
TRANSWORLD SYSTEMS INC XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX I have asked TRANSWORLD SYSTEMS INC on several occasions to please stop calling threatening and harassing me about the two alleged accounts. They keep telling me that I owe them two debts in the amount of {$300.00} and another amount of {$730.00} for two separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me depressed. i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of a scammer ; I had a job offer on XXXX  as a remote personal assistant position and that job had a one-week trial that they were going to send me a check and I was going to do some shopping, donation and etc... 
I have received the check by mail from the company and since I was not very familiar with whether it was a valid check I took it to the bank ( Wells Fargo ) and deposited it in my account and asked the banker when it will be available and their answer was " By tomorrow morning ''. 
So, I was assured that the check was valid. So I did all the transactions that they were asked for me to have done on XX/XX/2021 in the amount of {$4900.00}. 
The next day I deposited another check, not from ATM but I walked inside the bank and deposited it in the account again I asked the same question and the teller responded the same answer. However, the next day morning I checked my account and notice the bank did put both of the checks on hold. I called and asked what is happening and they told me that they are suspicious that those checks are Fraud. So, I did some research online and noticed that it was a new method that scammers scam people. Therefore, I called the bank again and told them that the transactions that I made were fraudulent and checks are not valid ones. However, the banker opened a claim for me and she told me to wait for the status for 10 business days. I called them on XX/XX/2021 to check the status but they were so rude and they told me that " You made all those transactions, you got scammed why did wells Fargo had to pay for it? '' I explained that I never experienced such a thing before and did not know that those checks are invalid since the bank approves them and made them available in my account. But, she still was arguing that why I did not wait for 10 days to make sure. I explained and she hang up on me and when I called again they did not respond back. I called them the next day and there was a guy this time and he told me that the bank will not take responsibility since those transactions were Authorized by myself and they closed the claim. I called the local police department on XX/XX/2021 and report everything the officer 's name was XXXX XXXX, her contact information are phone : XXXX ext. XXXX Email : XXXX My report # XXXX. 
She told me to call back the bank and have them reopen my claim. I did call the bank and told them I have a police report and gave them all of the information. However, they told me to wait for the police to investigate. My account still has overdraft and I am an undergraduate student I get my income from the loan that I get from school and have been stressing out a lot for whatever happened. My bills are past due and I had a problem by paying my Auto payment bills.

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 2022-02-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I spoke with Citi via chat about my options for reducing or eliminating the annual fee on my Citi Premier Card. After unsuccessfully getting a customer retention offer, I closed the chat. However, the Citi agent continued and closed out my account without my confirmation or permission. This unauthorized closure jeopardizes points that have a cash out value of {$570.00}. 

The following is the chat history with the Citi agent : XXXX at XXXX, XX/XX/XXXX : Do you want to permanently close your account? 
You at XXXX, XX/XX/XXXX : Not particularly, but are you telling me that's my only option? 
XXXX at XXXX, XX/XX/XXXX : Yes correct [ at this point, I disconnected the chat ] BY CLOSING YOUR ACCOUNT, YOU WILL HAVE XXXX DAYS TO REDEEM YOUR REMAINING XXXX POINTS. 

IF YOU EARN XXXX POINTS FROM MORE THAN XXXX ACCOUNT, PLEASE WAIT XXXX HOURS BEFORE REDEEMING TO ENSURE ANY POINTS FROM THIS ACCOUNT ARE REDEEMED FIRST. 

YOU WILL LOSE ONLINE ACCESS TO YOUR THANKYOU ACCOUNT UNLESS YOU HAVE COMBINED IT WITH ANOTHER OPEN THANKYOU ACCOUNT. SOME REDEMPTION OPTIONS MAY BE LIMITED OR INELIGIBLE. 

By closing the account you will get the annual fees refunded Shall I close your account? 
XXXX? 
I have successfully closed your account And your annual fees would be adjusted on your next statement Be assured about it I really appreciate your time and patience. 
It was a pleasure messaging with you today! 
Feel free to rate your experience by clicking the End button to complete a survey. You can rate our service from XXXX to XXXX, with XXXX being the highest. 
Thank you for choosing Citi. 
Take care and Stay safe!

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 2022-02-09 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: NJ

Complaint narrative:
I have received the response however you will not remove the XXXX collections account or and XXXX financial the addresses associated with the accounts. I have provided you with the police report that my husband also provided you. His credit file has been updated with accounts deleted. My file still showing the collection accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I have a XXXX XXXX master card with Capitol One. With the pandemic l was not making money, unable to pay the balance due and my card was " restricted '' ( but supposedly not revoked ) because l went 120 days without making a payment. When l started making money, l started paying this and my other bills ; and in doing so, noted that l had XXXX award points, which typically can be credited into dollars toward gifts or cash to pay down my debt. I wanted to use my award points to pay down my XXXX XXXX XXXX XXXX debt. The company refused to let me do so saying that l lost the points when my account was restricted. 

Since they did not revoke my card and these points were issued based on my spending on their card, l do not understand why l can not use them to continue to pay down my debt. 

I made a payment, called and requested an explanation of why l could not use my points. Two persons told me they thought the restriction could be lifted and my points reinstated as l requested an explanation, but the 3rd told me it could not and that he was the last person l could speak with. 

Interestingly, when l went on line to pay on my account, my bonus points were listed on my account at the top of the page. After l called and requested an explanation as to why l could not use them - l tried to redeem them online to reduce my balance- they magically disappeared. 

That is my complaint- they took something of value from me which l was vested in prior to restricting my account, instead of allowing me to use them to reduce my debt and reduce the accrual of interest on my debt. It seems unfair especially in light of the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/2022 Consumer Financial Protection Bureau To Whom It XXXX Concern : I am writing to file a complaint against Experian. 

I recently disputed some inaccurate and damaging information on my credit report. First of which being Bank XXXX XXXX account number # XXXX I contacted the original creditor which told me I don't have a account with them. This Account doesn't report to any of the other bureaus XXXX or XXXX. Experian is solely report this inaccurate information. 
The next account was NY XXXX XXXX XXXX account number # XXXX... 
Experian is reporting a inaccurate collection this account has never been in Collections. Only Experian is reporting it this way no other of the XXXX major reporting bureaus. 
Experian is also reporting my XXXX open XXXX XXXX Bank accounts, account numbers # XXXX & # XXXX as closed. These accounts are open and the creditor has told me they are reporting such to all 3 major reporting agencies only Experian are reporting the accounts as closed. 

Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with Experian. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SS # XXXX P.S I was trying to upload a copy of my dispute letter but I will post it in the fair resolution section

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 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XX/XX/2022 I am writing to dispute the following bankruptcy that is showing up as public records with TransUnion, XXXX and XXXX who has been reporting incorrect information for five years. 

I have enclosed a letter from the bankruptcy court stating they never reported a bankruptcy on my credit report at all. 
see attachment .... 

Please reinvestigate this matter and contact the national credit bureaus to have them delete [ or correct ] the disputed item ( s ) as soon as possible. 

Sincerely, [ XXXX 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
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been making my payments all on time and early by using debit card from the same exact checking account which is also capital one checking account, for many months. On XX/XX/XXXX th, 2022, I made a payment from the same account for {$170.00}. Thus payment cleared my bank account within minutes and XXXX days later it showed as payment received on Capital One mobile banking for credit card ending XXXX, bit has not been made available to me! I have Made numerous calls to Capital one even to XXXX teams and they all are telling me there is a 26 days hold and no one can tell me why other than is a processing time!!! 
This has cost me extreme financial distress as. I even Asked them to refund my money and they have refused to do that. My next course of actin after this complaint is law suit for conversion. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: DriveTime
State: OH

Complaint narrative:
Drivetime, XXXX XXXX  and XXXX XXXX XXXX all have extorted me by breach of fiduciary responsibility in handling this trust account that was created via my social security cestui que trust. I as the consumer and beneficiary received no benefit of all these unlawful actions taken against me to liquidate my trust, also filling fraudulent tax forms to help aid in there fraud against me. As stated in 16 CFR 433.1 ( i ) i only held the instrument that evidences the a debt arising from the financed sale. The contract that was defaulted on was a contract between the seller and creditor as defined in 16 cfr 433.1 ( F ). I am in fact the holder in due course and have claims and defenses i can and will be asserting against this dealership for unfair and deceptive act and practices done against me as stated in 16 cfr 433.2.

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 2022-02-09 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: AL

Complaint narrative:
I have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent multiple of letters asking how this company has verified and method of verification about a Bankruptcy reporting on my credit report. I have not received anything as of yet to how it is verified and accurate. I need this Bankruptcy to be removed immediately.

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 2022-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I paid an debt, and in the attached email I have downloaded for your review stated it would be updated in 45 days, that was 8 months ago. I called in today 8 to 9 times asking to speak to a manager after several attempts to have this removed from my credit report. The woman I spoke to refused to give me her name, and also transferred my phone call to a company that was not XXXX XXXX XXXX. I later found that she transferred me to the company that was hired by them to settle my debt. I had already spoken to debsty, who stated that reports are generated at the end of the month, and XXXX XXXX XXXX received the settlement letter within the 45 days, and it was up to them to contact the credit bureaus to give notice that my debt was settled. They have yet to act on their part in contacting the credit bureau. If this is not taken care of I will file lawsuit against them in this matter for reasons that I will research on why I am able to file a lawsuit. I made her aware that I had already spoken to XXXX, who has since changed their name to XXXX, and asked to speak to a supervisor on every phone call. she refused, and transferred me to XXXX. I would like every phone conversation listened to from me to her line, and I would like disciplinary action taken against her. I should not have to go through this just to have a debt cleared up that is already taken care of.

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 2022-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally admits to the forgery as XXXX says, I went in to the dealership and signed these papers on the XXXX of XXXX with electronic signatures. 
XXXX admits that ally forged my signature because I was not involved with any transactions on XX/XX/XXXX at the dealership.

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 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In the last Few days of XXXX, I called Wells Fargo Home Mortgage to see if I could get two quotes.

The nice young salesman helped me get two quotes where I provided him my specific Taxes and Insurance per month. 

The two Loans ; XXXX at a XXXX where the payment was {$2600.00} in total including my {$1100.00} a month in Taxes and Insurance. 

or XXXX at 3.75 % @ {$2800.00} a month where I would receive about {$38000.00} with the same T & I. 

I immediately provided all documents online and agreed to the terms of the second loan. 

We went over the payments and then the salesman asked for {$570.00} credit card payment for an appraisal. He said once I do the appraisal I can't get refunded. 

Next day, I receive the XXXX and it has an estimate of my taxes and insurance some {$300.00} less a month yet a monthly payment of {$2600.00} a month. 

I immediately call up the salesman and explain that this is wrong. He checks what amounts are known in the system and agrees with my numbers. 

He winds up calling me back and saying, they 'DO this all the time, the system estimates taxes for the quote ''. I said I gave you the actual and you acknowledged that before and here after. 

The rates have gone up 1/4 point since this nonsense. 

This escalated to an underwriter and then on to the Executive team. The executive team said they would make a decision after looking at it by XX/XX/XXXX. They called me today and said they don't guarantee any estimates. Too bad and you can't get all your money back even though you did not even schedule the appraisal. 

I gave my credit card a charge back. 

Two issues here ; 1. After 2008 Wells Fargo of all players should know better. They cant be trusted to self govern their practices when they have a system that in their words " Automatically makes up a number relative to the area '' even when provided the actuals. They must be stopped.

2. I lost a significant amount of money here by their delay and fraud. 



XXXX XXXX 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 monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Card Receivables Fund Incorporated
State: CA

Complaint narrative:
I forgot to pay off a credit card. I travel a lot for work. I was in XXXX working for the XXXX and when I got home this company XXXX took my to court and levied a judgement against me. All of a sudded my paychecks were being garnished and I could not pay my bills. 

I hired an lawfirm to handle the case but it seems they are really not interested in it and just wasting my time. I tried to offer them a settlement and they wanted not only what was owed but a XXXX time payment of {$3200.00}. Doing research I found this is a violation OF the XXXX. according to the guidelines it says that I should be entitled to Damages. 

I would love to speak with someone about this. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
I am an XXXX XXXX service member and my student loans were held with XXXX, I was just notified that my student loans were sold to another company. I think this action was unjust, my loans should be transferred back and included in the recent court judgment that was assessed against XXXX.

Company response to consumer: Closed with explanation