vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In XX/XX/2021, a debt validation letter was sent to Wells Fargo & Company in XXXX XXXX XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. Under duress, I paid the entire remainder of the loan that they never proved to give me completely off. They still reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. The XXXX XXXX XXXX ( acting as XXXX ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and XXXX to furnish damaging information.

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 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
I purchased a {$500.00} prepaid vanilla Visa gift card on XX/XX/2022 from XXXX. And When I tried to use the card for a purchase in the XXXX XXXX XXXX on XX/XX/2022 for the first time. I was surprised that only XXXX was left on the card balance. I used that amount for my shopping. I checked the activities for the card online. I realized the card information was stolen, and many transactions from XXXX were on the list, and the balance is XXXX now. I called INCOMM payments XXXX immediately, and the customer service person locked the account and opened a dispute for me ( case # XXXX ). I submitted the complete dispute form soon after. On XX/XX/2022, I received an email with the final resolution letter and a replacement card with a balance of XXXX in the mail. I called the customer service line again, and the agent told me that was all the money they could recover. And they can not do anything else for me. I am troubled that I should take the loss simply because the card company did not protect the information and allowed someone else to steal all the money within a few days after the gift card sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
Overview -- -- I'm making this complaint due to Regions Mortgage attempting to force my online payments into being late. This has happened more than a few times, especially when the payment dates fall on XXXX. I have contacted the company over this in the past and they tried to claim I did not schedule the payment " within the stated time requirements '' and here we are again. Obviously they have still not corrected the problem, as today I HAVE again met their time requirement for the payment to be posted on XX/XX/XXXX. -- -- - XXXX  ( XX/XX/XXXX ), I logged onto the Regions Mortgage website at about XXXX XXXX XXXXXXXX to schedule a payment that is due by XX/XX/XXXX to be considered " on time '' -which MUST ALSO be scheduled before XXXX. XXXX ( see below ) However when I attempted to select the payment date or date for automatic withdrawal from my bank account, I could not select today nor any date before XX/XX/XXXX, well after the " on time '' due date. -- -- - This is in direct conflict with the statement on the bottom of the Regions payment webpage that reads : " All requested transactions ( i.e. payments and cancellations of payments ) must be submitted by XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXXo be effective for such day. '' I have attached a screenshot of my payment showing this information along with the receipt showing the transaction information. -- -- - The last time I checked, XXXXXXXX XXXX XXXX, is well before XXXX XXXX XXXX  it is XXXX, and therefore the payment date of XX/XX/XXXX should have been available for selection according to their requirement. -- -- -- I have had many problems with Regions over the years including my refinancing in XXXX, where the Bank Loan Officer kept calling my employer on a weekly basis for 6 weeks to re-verify my employment. Very embarrassing and bordering on harassment, I complained to her regional supervisor and he made her stop waiting to close the loan. After that I will NOT allow any issue to go unreported, especially one that could cost me a late fee and a late mark on my credit report. I have not had any late payments in over 4 years. -- ---

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 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I opened a complaint against Capital One almost a year ago. complaint number XXXX. They responded by claiming they would remove the cited negative information from my credit report. 

They have not. 

I have lost employment opportunities, a lease for a new residence was declined due to my low credit score and I have lost more than {$10000.00} in credit that I previously had access to because Capital One ruined by credit with false information. 

Now some form of penalty MUST BE ASSESSED against these liars. 

The details for this complaint were originally provided for complaint number XXXX. The only new relevant facts that matter are that my credit report still shows a negative remark for non-payment, and past due amount, when in fact no payment was due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-14 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have asked for the information to be deleted and not just and investigation with these accounts. Still violating my rights and must be removed. They continue to not even read this complaint, its not investigation, its violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
XXXX XXXX XXXX has not updated the credit bureau with my new balance. 
The still show {$10000.00} and my actual balance is {$53.00} and those purchases was made today. My statement balance was {$0.00}. I contacted them several times via email. This was their final response on XX/XX/2023. 
" I'm sorry about this. We temporarily stopped reporting account updates to credit bureaus while we updated our technology because we didn't ' want inaccurate information going out. I'm sorry for any inconvenience and your frustration. The credit bureaus will begin to receive and report updated account information during the month of XXXX. 
We recognize that you've recently made a payment, your payment should reflect in your credit bureau report within 30 days of the payment date. 
We apologize for any inconvenience and appreciate your patience. '' Apple Credit Card the same thing, credit bureau not updated with new balance. They have {$6100.00} on my credit report when my statement reflects {$1500.00}. 
I contacted them also via email, was assured the credit bureau would be updated by XX/XX/2023. 
I have screen prints of conversations of both lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Contacted MAS on XXXX to make a payment for XXXX. 

I was informed they dont accept XXXX  account although the representative informed me they do. In addition ; my last payment was made with a savings account. Ive had the loan going on XXXX years, encountered XXXX  both times Ive called to make electronic payments by phone. Their website also lists they accept electronic payments by phone. Previously my account was charged additional fees due to the company stating I had no insurance coverage although I did. They attached their insurance on my bill resulting in the monthly payment being extremely increased. The representatives are hard to deal with and Ive only had decent experiences with XXXX and XXXX. I havent received an account ledger for my balance as requested or any policy they dont accept XXXX. Again, the website shows they do. On XX/XX/XXXX. I found out today the reason I may have not got the ledger is because XXXX XXXX placed a cease and desist on my account. This was done without my knowledge or permission. This information wasnt relayed to me until speaking with XXXX on XX/XX/XXXX. Its also conflicting because XX/XX/XXXX XXXX I have an email from XXXX XXXX XX/XX/XXXX XXXX I also have a voicemail from XXXX. I have never spoken with anyone named XXXX before & this cease and desist had to be placed on my account by someone other than me back on XX/XX/XXXX. The company has now informed me they can not send me proof they dont accept XXXX payments as well as my general ledger. I am 30 % paid off on the loan & this situation is pushing me beyond my XXXX day period to make a payment by XX/XX/XXXX. XXXX informed me I would need to wait on XXXX to return to the office on XX/XX/XXXX ( which puts me behind on my loan for the first time, besides when they company over charged my account for additional insurance & had to readjust it ). Again, XXXX has always been helpful, but this is a family business and a lot of bias things going on.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-01-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX BANK XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states that consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-01-14 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: CarMax, Inc.
State: IL

Complaint narrative:
I have reached out to Carmax Auto Finance numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with Carmax being one of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity took over from my XXXX XXXX XXXX account. they did not respond at all to my email about such transfer. no new card. i do not get regular mail on a timely manner. called after receiving finally opening my mail. statement had no account number and late fees had incurred. website felt sketchy to sign into. upon calling customer service they credited my late fee. i feel they had email and phone number to contact me directly. especially after they supposedly sent out a new card but never activated few months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
I have received XXXX mail notifications that I owe a bill for my loans to Aidvantage on XX/XX/XXXX. The XXXX administration extended the pause until XXXX, XXXX, so why is my lender lying to me? In addition, I was in deferment during graduate school and I just graduated in XX/XX/XXXX, and Im supposed to be given a XXXX  month grace period regardless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I took a family trip to XXXX from XXXX XXXX on XX/XX/2022 and returned XX/XX/2022 ( XXXX XXXX XXXX ; have attached proof that I was in XXXX below. My second flight was cancelled due to weather so please refer to the other flight ). During my stay in XXXX I was notified via text from Wells Fargo of a transaction occurring in Florida and stating if this was me or not. It was obviously not me since I was in a different state so I called the number and had my card closed. To my surprise a total of 4 transactions had already gone through : XXXX ( XXXX XXXX ), XXXX ( XXXX store transaction ), XXXX ( XXXX XXXX ), and XXXX ( XXXX XXXX XXXX. All these transactions occurred on XX/XX/2022 for a total of {$310.00}. When I contacted Wells Fargo to submit a claim ( Claim # XXXX ) for my funds they concluded that they would not be refunding me because it was made by someone who used my PIN ( even though these can be found via a skimmer or other debit card reader ). Additionally, the card was in my possession with me in XXXX so not entirely sure how this could have happened. Any help will be appreciated and look forward to hearing from you soon.

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 2023-01-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Dear Peter Roberts & ASSOCIATES ; XXXX XXXX ; and CFPB ; This is a HIPPA violation plus i thought there was a law that passed that a medical collection of less than {$500.00} shouldn't report on my credit report. Wasn't there a new law that was passed last year about this???? 

Plus, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever had any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
PayPal charged me a late fee of {$30.00} and has reported negative information on my credit report for a payment they claim was refused for non-payment by my bank. I have contacted the bank from which the payment was made and that bank claims they received no requests for payment from PayPal on or around that date. The bank also confirmed that I have never had a payment refused at any time since opening this account. I contacted PayPal asking for clarification of their alleged request for payment that was refused and they have not responded within 30 days of my question.

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 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I attempted to Purchase clothes and shoes from an individual for {$100.00}. They made me pay them on CashApp and once I did. The threatened me and forcible removed me from their home. XXXX Police stated it was a XXXX and Cashapp refused to refund my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My husband is currently XXXX to XXXX. The credit card is under his name, i have submitted the power of attorney and this company refuses to speak to me and keep charging me interest. I have been calling since XXXX and everytime i call its a different story and that they havent recieved it. I have mailed, faxed and uploaded the paperwork. i need help. I am under the SCAR act and its unfair to be paying all these fees, {$40.00} since 3 months now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Violation of My fair credit reporting act rights

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 2023-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Violation of My fair credit reporting act rights

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