vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GREENSKY OPERATIONS, LLC
State: NJ

Complaint narrative:
This company did NOT give me any opt out disclosures as dictated by 15 U.S. Code 6801 through 15 U.S. Code 6805. In other words, XXXX XXXX. Additionally, In their terms and conditions they stated that they CAN NOT and will NOT share my nonpublic financial information to nonaffiliated third parties, which they have. This is a breach of agreement and a violation of my right to financial privacy. Consumer reporting agencies such as XXXX, XXXX, and XXXX are NOT bureaus. The only one true bureau is the Consumer Financial Protection Bureau. I have attached the consumer reporting agencies XXXX or XXXX form from the SEC to prove that they are financial institutions. I, as a federally protected consumer, am now exercising my right to opt out of any and all authorization that, I, the consumer may have given you, a financial institution, written, non written, verbal, and non verbal to furnish my nonpublic information to all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Prince Parker & Associates
State: TX

Complaint narrative:
I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/XXXX Ford Motor Credit Company Customer service Credit dispute department XXXX XXXX XXXX XXXX Ohio XXXX Dear Ford Motor Credit Company, I am writing to address a recent issue regarding a late payment on my XXXX XXXX XXXX XXXX. I apologize for the inconvenience and want to provide context for the delay in payment. 
Unfortunately, my XXXX XXXX XXXX  account was flagged and hacked, which prompted me to take immediate action to secure my finances. As a result, I had no choice but to close the compromised account and open a new one with XXXX XXXX XXXX. During this process, I was assured by XXXX XXXX XXXX  representatives that my direct deposits, including payments to Ford Motor Credit, would seamlessly transition to the new account for the next six months.

However, it has come to my attention that this transition did not occur as expected, resulting in a delay in the processing of my payment to Ford Motor Credit. I understand the importance of timely payments and take full responsibility for ensuring that my financial obligations are met promptly. 
I want to assure you that steps have been taken to rectify this situation, including updating my payment information with XXXX XXXX XXXX  and setting up automatic payments to avoid any future delays. 
I value my relationship with Ford Motor Credit and am committed to maintaining a positive payment history. I appreciate your understanding and cooperation in resolving this matter promptly. If there are any additional steps I need to take or if you require further information, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I did not authorize these inquiries on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

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.

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 2024-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TransferWise Ltd
State: CA

Complaint narrative:
I opened a personal account with Wise on XX/XX/XXXX, and I received about XXXX XXXX that day. But when I transferred money, Wise restricted my transfer. On XX/XX/XXXX, Wise closed my account. I then asked Wise to refund my balance through XXXX, but Wise responded to the email on XX/XX/XXXX and refused to refund. Wise 's behavior is an infringement of personal property and is absolutely unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I AM UNAWARE OF THIS ALLEDGE DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEDGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVED IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING IVE RECEIVED IT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Customer service XXXX XXXX department XXXX XXXX XXXX XXXX Ohio XXXX Dear XXXX XXXX XXXX XXXX, I am writing to address a recent issue regarding a late payment on my XXXX XXXX XXXX XXXX. I apologize for the inconvenience and want to provide context for the delay in payment. 
Unfortunately, my XXXX XXXX Bank account was flagged and hacked, which prompted me to take immediate action to secure my finances. As a result, I had no choice but to close the compromised account and open a new one with XXXX XXXX Bank. During this process, I was assured by XXXX XXXX Bank representatives that my direct deposits, including payments to XXXX XXXX XXXX, would seamlessly transition to the new account for the next XXXX months. 
However, it has come to my attention that this transition did not occur as expected, resulting in a delay in the processing of my payment to XXXX XXXX XXXX. I understand the importance of timely payments and take full responsibility for ensuring that my financial obligations are met promptly. 
I want to assure you that steps have been taken to rectify this situation, including updating my payment information with XXXX XXXX Bank and setting up automatic payments to avoid any future delays. 
I value my relationship with XXXX XXXX XXXX and am committed to maintaining a positive payment history. I appreciate your understanding and cooperation in resolving this matter promptly. If there are any additional steps I need to take or if you require further information, please do not hesitate to contact me at XXXX or XXXX. 
Thank you for your attention to this matter. 
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 explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I recently opened a credit card with Wells Fargo against my better judgement. ( I have been married for the last 6 years and nothing in regard to my personal identification information had changed, including last name, social security, DOB, etc. ) Naturally, I could not enroll online until I received the card because Wells Fargo requires consumers to provide their social security number, DOB, and card ( or account ) number when enrolling. Once I received the card, I attempted to enroll online, but received an error. I then went through their process to confirm the card ( also online ) and they were able to fully accept the information provided. So now, I have my card in hand and full ability to use it - but no way to see activity or pay balance without calling their [ horrible ] customer service line or mailing a paper check, which I find to be risky, time and resource consuming, and in 2024, absolutely unnecessary. I contacted the customer service line on the back of my card, provided my social, last four of card #, DOB, and CVV code. Ironically, they were able to identify me with the information provided, but ultimately told me I would have to go into a branch to resolve the issue. I asked if they can tell me the nature of discrepancy ( literally the data field that is wrong ). Both XXXX and his Supervisor, XXXX, told me they can not tell me for security purposes. I reiterated that I am not looking for the specific name, number, or whatever is it that they are showing, but to tell me the field name ( last name, DOB, SSN, etc ) so that I can be prepared with the correct information when entering the branch. The supervisor XXXX eventually stated I only need to bring in my Driver 's license, and that they do this to protect my security. I told them they aren't protecting me as the consumer, because they've already activated the card with {$10000.00} credit limit and have given full usability to charge it. I just can't sign on to see activity or make payments and based off the quality and length of this call so far, I doubt their ability to help me further when I need to make payments. I then asked them to close the account, to which I was refused! So now, I have to go into a branch. ( This has already been a weeklong process and the branches are closed until Monday. This means I have to now take time off of work, to go into a branch, for them to tell me what is wrong and potentially not even resolve my issue. ) I would like for Wells Fargo to close my account, remove all inquiries related to this account from my credit file, and never contact me again for promotional offers that they refuse to honor.

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I DONT RECOGNIZE ANY OF THIS INQUIRIES ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Tesla, Inc.
State: NC

Complaint narrative:
I am writing to dispute an unauthorized inquiry listed on my XXXX credit report, which I believe is inaccurately affecting my credit score and profile. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically referencing 15 USC 1681b, I am entitled to dispute inaccurate information reported in my credit file. 
Inquiry Details : - Creditor/Institution : TESLA FINANC - Date of Inquiry : XX/XX/year> - Reported By : XXXX I have no recollection nor record of authorizing this inquiry, and as such, I consider it to be inaccurate. I hereby request a thorough investigation into this matter. According to the FCRA, all information reported on my credit report must be accurate, complete, and verified. If this inquiry can not be verified as accurately authorized by me, it must be removed from my credit report. 
Request for Documentation : Furthermore, I demand that all documents, contracts, or agreements that bear my original signature and purport to authorize the aforementioned inquiry be provided to me. If no such documentation can be furnished within 15 days of receipt of this letter, then in accordance with the FCRA, this inquiry should be promptly removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
ACCOUNT IS PAID AND CLOSED PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP
State: VA

Complaint narrative:
Republic Finance has called 26 times between XX/XX/XXXX, and today, XX/XX/XXXX, sometimes 2-3 times per day. I have contacted their attorney and have been paying monthly as requested, but they keep calling me anyway. I told their representative XXXX today I am communicating with Republic 's legal counsel and current status of payments, and their incessant calling is harassment, and I requested they stop calling me. XXXX responded that Republic will stop calling me. I will continue to monitor to see that they will stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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. 

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 non-monetary relief
Consumer complaint received 2024-03-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX I purchase a new mattress from a local Mattress Firm : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX I was told that the mattress would come with 48 months 0 % financing, so I decided to acquire a loan through the company. The total loan amount was {$2700.00}. 

The loan was issued through Synchrony Bank who issued me a credit card which I have not used since. 

I have been making monthly {$100.00} payments ever since, even though the minimum payment due was only {$80.00} a month. 

This should have meant that I only had {$600.00} left on my loan as of XX/XX/XXXX. 

Somehow in XXXX of XXXX I was charged {$1500.00} in interest from Synchrony Bank. And ever since I have been charged about {$50.00} in interest a month, which is basically just interest that is being charged on the {$1500.00} of interest from XX/XX/XXXX. This company really seems like a scam and is praying on the unsuspecting consumer. I never received written acknowledgement of this change, I would not have known had I not logged in to my account, since the account is on auto-pay. 

I logged in to Synchrony 's website and they have no record of the original loan agreement. I called them on the phone on XX/XX/XXXX, to investigate. At that time they also claimed they do not provide original loan agreements in writing and I would need to contact Mattress Firm. I have tried to contact Mattress Firm without success. 

I would like to report Synchrony Bank for a lack of online loan origination agreements as well as Mattress Firm. I would also like to be refunded XXXX via check from Synchrony Bank which is the total of deceptive interest that I have been charged. Mind you the original loan was only for {$2700.00} from Mattress Firm. 

Both of these companies are engaging in very deceptive practices and clearly have gaps in their systems or are being purposefully deceptive as there is XXXX online original loan documentation and I never received any acknowledgement of the upcoming change in interest charged.

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 2024-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MT

Complaint narrative:
My Bank of America ID was looked up on XX/XX/24 XXXX Bank of America password was changed on XX/XX/24 ( unauthorized ) Was not able to access my online banking accounts I called Bank of America and reported Identity theft, and reset my passwords on XX/XX/24 My Bank of America ID was looked up on XX/XX/24 My Bank of America password was changed on XX/XX/24 ( unauthorized ) A XXXX XXXX was added as a XXXX recipient on XX/XX/24 ( unauthorized ) A XXXX account was set up under my name on XX/XX/24 ( unauthorized ) An unauthorized transfer from my Bank of America checking account to a XXXX account in the amount of {$6100.00} occured on XX/XX/24 An unauthorized wire transfer recpient was added to my account, XXXX XXXX on XX/XX/24 An unauthorized wire transfer was requested in the amount of {$1500.00} to XXXX XXXX from my account on XX/XX/24 I contacted Bank of America and put a hold on my account on XX/XX/24 The wire transfer for {$1500.00} was cancelled for security reasons XX/XX/24 I contacted Bank of America and filed a claim of fraud for an unauthorized transfer of {$6100.00} to a XXXX account. A Bank of America representative told my it takes up to 45 days to process claims, with a chance it will not go through.. 
I changed accounts with Bank of America on XX/XX/24 to further protect myself.

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 2024-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
XXXX FOUND EMAIL THAT WE DID NOT SEND WHICH LED TO US FINDING OUT THAT OUR BUSINESS LINE OF CREDIT WAS MAXED OUT AND CLOSED. MONIES WERE SENT TO A FRAUD ACCOUNT WHICH IS ALSO FROZEN FOR FRAUDULENT ACTIVITY THAT WAS OPENED IN BUSINESS NAME THAT WE DID NOT OPEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
As I was reviewing my credit report I came account fraudulent accounts that are not mine. 

XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$340.00} XXXX XXXX  {$180.00} XXXX XXXX {$2200.00} XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00}

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 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
As I was reviewing my credit report I came account fraudulent accounts that are not mine. 

XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX {$800.00} XXXX XXXX XXXX {$340.00} XXXX XXXX  {$180.00} XXXX XXXX {$2200.00} XXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX {$160.00} XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00}

Company response to consumer: Closed with explanation