vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 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: TX

Complaint narrative:
Experian failed to properly validate accounts I disputed. Despite nine written requests, the items remain on my credit report in violation of Federal Law. Experian aid required under the FCRA to have a copy of the original creditors documentation on file to verify that the accounts are mine and is correct. In the results of their investigations, Experian stated in writing that they verified that the items are being reported correctly. Experian did NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, Experian failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I have advised Experian that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if Experian failed to comply with Federal Law. I am a litigious consumer and I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-01-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
Debt Validation Notice I recently received a copy of my consumer report and while I was reviewing it, I noticed several things that have been documented incorrectly by all the different reporting agencies. 
In pursuant to 15 USC 1681 Accuracy and Fairness of Credit Reporting In pursuant to 15 USC 1681 b Permissible Purpose of Consumer report According to the law before any information is inserted on my consumer report, it should be accurate and fair. In pursuant to 15 USC 1681 b ( a ) 2, It states that as a consumer, for anyone to get or use my consumer report, I must provide written permission as it relates to me the consumer. The law also states that the consumer reporting agencies must conduct a proper and thorough investigation. 

According to the Fair Credit Reporting Act, I have the right to challenge anything and everything that appears to be inaccurate and unclear. 

I am demanding that you reinvestigate this account immediately and provide me with the requested information within 30 days. I am also demanding that you provide me with an audit trail. I need the following included in the audit trail : The account file and original contract that has my signature on it Account Ledger from the open date through the last date of payment activity All accounting documents from the open date through the last date of payment activity All account transactional history from the open date through the last date of payment activity When was the last date of payment Please be sure to provide everything that I have requested above because based on my findings there are several inaccuracies being reported. Until you can provide me with sufficient proof, I am asking that you cease and desist all collection efforts such as communication by phone, email, postal mail, text message, social media. If this debt has been sold to a 3rd party collection agency, they must also cease and desist all collection efforts until sufficient proof has been provided. 

If you are not able to provide proof of the reinvestigation and all the information requested above, I am asking that these accounts be PERMANENTLY DELETED from my consumer report with all reporting agencies according to 15 USC 1681 i : Treatment of inaccuracies/ unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I applied for PenFed XXXX credit card on XX/XX/XXXX and received the credit card on XX/XX/XXXX. When I activated it today ( XX/XX/XXXX ), I found that it is an annual fee charge of {$95.00} on XX/XX/XXXX. They did not notify me that I did not meet the requirement to waive the annual fee which they only said maintaining a checking account to waive the fee. There is no minimum to maintain the checking account. I contact the customer service, they told me the minimum in the checking account should be {$500.00} and another person told me that I should maintain {$500.00} daily balance for one billing cycle. They do not write these all on the advertisement and just change the words each agent while I tried to dispute the charge. They even charged the annual fee before my credit card is activated. Based on the term, they can not charged it before the card is activated. 
" ANNUAL FEE. ... This charge will appear on your periodic statement for the billing cycle when it first becomes effective. '' 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 explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is going to be a long dissertation, so I will try to be brief but to the point. On XX/XX/XXXX, {$84000.00} was wire transferred out of my daughters saving account at Wells Fargo. This was unauthorized and bypassed all of our account safety methodologies available to us by Wells Fargo. 

Our computers were not " hacked '', we still had possession of our ATM / Credit Cards, etc.

{$60000.00} was able to be " stopped '' and returned. {$24000.00} ( that is the outstanding issue ) was transferred to a XXXX XXXX XXXX account and was closed before Wells Fargo was able to pull it back. 

Now the issue, Since the XXXX, I have talked to 8 different people, untold phone transfers, being told I got the wrong department, claim # 's were wrong and being hung up on. 

Now today, XX/XX/23, I got another new person and another " new '' claim number and was told the " dispute '' was pending and going to take another 10 days before there was any disposition. 

I need help

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 2023-01-27 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: Exeter Finance, LLC.
State: LA

Complaint narrative:
Prior complaint # XXXX In an attempt to rectify this deceptive at by the car dealership and lender whose falsified payments being made on a loan for a XXXX XXXX XXXX XXXX which never happened due to uncovering the vehicle had been wrecked and resold multiple times prior to our agreement and was not disclosed to us. The car immediately went into a lawsuit against Exter Finance and XXXX XXXX XXXX. Please see the attached document and responsibility of the vehicle being retracted back to the dealership. Being that my credit report is miscategorized on purpose, it is definitely an intentional act placed by the lender. I want this vehicle immediately removed off of my credit report and my additional signer credit report. We have endured enough with this bad deal. If not, I will seek immediate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I phoned in to capital one to make payment arrangements as I was sick with the flu and out of work for one month. Payment arrangements were made on both accounts that I have with them. I specifically concentrated in the account ending in XXXX due to the length of time a payment was not made. I was sent an email confirming that no payment was necessary on XX/XX/XXXX. The payment was now due on XX/XX/XXXX. I received notification on XX/XX/XXXX that a late payment was recorded on my report with regard to this account. This is NOT the first second nor third time that Capital one has incorrectly reported late payments to the credit bureau concerningcmy accounts. At this point does capital one need to be taken to court??? It's absolutely ridiculous. Not only did this affect my report but my husband is an authorized user and this gas decreased his score XXXX points!!!! It's absolutely unacceptable. I want my report updated correctly and my account monitored by corporate. There's no way in XXXX this happens repeatedly. I want it corrected like yesterday! I had plan 's on purchasing a new car on valentines day with a now XXXX point decrease!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: AZ

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

Account name : 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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 2023-01-27 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: AZ

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

Account name : 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 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 seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: PA

Complaint narrative:
On XXXX XXXX Vance and Huffman LLC reported a debt to my credit report without any communication. I called the office and left a message requesting a return call on XX/XX/XXXX with no response. I called again on XX/XX/XXXX and spoke with XXXX XXXX XXXX. I gave XXXX XXXX permission to speak with my fianc on the line because she has credit reporting background. XXXX XXXX would not allow her to speak when she attempted to address the communication issue, and stated a call was made but it is illegal for a collection agency to leave a message on a voicemail. We attempted to address the timeline of communication because this organization is a third party agency that purchased the debt from a previous agency between XX/XX/XXXX and XX/XX/XXXX. According to FDCPA they are to give the debtor at least 14 days from notification to acknowledge or dispute the debt, and again there was no notification sent. We attempted to verify the debt stating the previous agency found the debt was not valid and this was never reported to the credit reporting agency until they purchased it. XXXX XXXX then stated that he knew nothing of the previous agency and that he received the information directly from the creditor, when all 2 credit reporting agencies are reporting his company as a 3rd party.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
In XXXX XXXX XXXX I executed a mortgage between XXXX XXXX XXXX  and myself. Eventually, XXXX XXXX XXXX  took over XXXX. In XXXX, the Bank of New York attempted to foreclose on my home based on falsified paperwork and fraud in court. Bank of New York claimed that I owed approximately XXXX XXXX To this day, I am still facing this problem, and other banks have claimed that I owe them. This includes the Bank of New York. These claims are false and rest on falsified paperwork that occurred during the mortgage scandal in the late XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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 XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 an account without my written instructions.

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 2023-01-27 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello, I have a savings account with Capital One, I would constantly get promotions from them to open a new credit card or new checking account. 

Recently I logged in and saw an special offer to sign up for the Capital One Quick Silver Credit Card and spend {$500.00} within 3 months and earn a one time cash bonus of {$300.00}. I also received a email with this exact offer with my name and thanking me for my loyalty.

I applied for the Capital One Quick Silver Credit Card because of this offer as they kept advertising it to me. I used the link provided provided by the offer spend {$500.00} in the first 3 months earn a one time cash bonus of {$300.00}. 

After being approved for the card I received another email stating that I am not eligible for the offer. This feels like a bait and switch as I then looked online and found other people were getting the same offers and Capital One would not honor their promotions. This is the only bank or credit card that I ever had a issue with. 

I read into the terms for the offer and it says previous or existing account holders would not qualify. I have never had a capital one credit card before, Also this wording goes against their promotional offer. In the email which I have screenshots of, They thanked me for my loyalty and promoted a special offer, but that offer is only allowed for people that never had a account before?? How would someone have " loyalty '' with a company they never had a account with? 

Capital One is false advertising their offers and every time I call I am told there is nothing I can do expect write a letter. Any other card company and bank I call they help their customers on the phone. No where on the email or offer screen did it say I would have to write a letter and send it into their office for them to look into it. 

I got the card approval email XX/XX/. The {$500.00} spend to get {$300.00} back offer in the email says it expires XXXX XXXX XXXX I blocked out my name in the photos provided, but if a CFPB employee needs to see the pictures with my name not blocked I will provide them as I didn't want my name to published publicly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 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: MI

Complaint narrative:
I have sent several letters to Equifax about a negative report that is showing up in my credit profile. I am not going to allow Equifax to continue to violate my rights under law 15 USCa ( 2 ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
We bought a house back on XX/XX/2022 and were told we needed to take over the XXXX loan with GoodLeap. We asked many times for all the solar information as far as warranty, loan interest rate, term, and other details on the solar companies invloded. GoodLeap did not want to provide us ant information or documentation until we applied and got approved for the loan. At that point they said they would give us the information on the solar contract etc. We signed up with Goodleap and afterward asked for the warrenty information on the solar and interest rate on the loan. They then informed us they do not handle the warranty information for the other solar company that installed the solar panels and we had to get the information from them. We then found out the waranty could not tranfer to us even though goodleap said it could and that they would provide this information when we took over the loan. XXXX XXXX XXXX is the partner with GoodLeap. Good leap also changed the interest on us after we were approved to a higher rate saying we need to have the same rate as the past owners of the loan. We were not disclosed any of this information prior to us applying for the loan with Goodleap. I feel this information was withheld from us to get the loan.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I was scammed by Citibank with their checking account promotion bonus. I opened XXXX checking account with Citi bank on XX/XX/2022, and qualified for the bonus program by depositing {$75000.00} into the account. The promotional {$1000.00} should be deposited into my account in XXXX. However, its been XXXX months and I am still waiting. A lot of people are having the same issues as myself. It's unacceptable that a nationwide bank franchise won't honor their legal terms. The rating agency should downgrade Citibank as apparently this kind of behavior incurs loss of credit. I would like to request your urgent investigation into this issue.

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 2023-01-27 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: AZ

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

Account name : 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 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer 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