vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ON XX/XX/2022, A WITHDRAWAL FROM OUR ACCOUNT WAS MADE IN THE AMOUNT OF {$4000.00} AT A WELLS FARGO BANK, XXXX XXXX XXXX XXXX, XXXX, TEXAS, XXXX. WE LIVE IN FLORIDA. ALTHOUGH THIS WAS AN UNUSUAL WITHDRAWAL, NO ONE FROM THE BANK CONTACTED US. WE FOUND THE ISSUE WHILE PREPARING TO PAY BILLS AND FILED A FRAUD CLAIM. WE RECEIVED A LETTER FROM THE BANK DATED XX/XX/2022 THAT THEY WOULD NOT REIMBURSE US. THE BANK DETERMINED THAT IT WAS NOT FRAUD AND THAT I HAD TAKEN THE MONEY OUT, WITHOUT ANY CONVERSATION WITH ME. I ASKED FOR THE EVIDENCE ON A CALL TO THE BANK 'S CLAIMS ASSISTANCE CENTER-CHECK FRAUD CLAIMS DEPT ON XX/XX/2022 AND WAS TOLD BY " XXXX '' THAT IT WOULD TAKE 30 DAYS TO SEND WHAT ASSURED THEIR DECISION. THIS INFORMATION NEVER CAME. 

SHE TOLD ME AT THAT TIME THAT THEY HAD CCTV EVIDENCE AND " MY STATE ISSUED ID ''. I HAVE BEEN IN MY POSSESSION OF MY BANK CARD, STATE ID, AND WAS NEVER IN TEXAS. THE CCTV WOULD PROVE THAT IT WAS NOT ME AT THE BANK AND THE SIGNATURE COPY THAT WE GOT FROM THE BANK DOES NOT LOOK MINE. IT EVEN INCLUDES IN THE SIGNATURE MY MIDDLE NAME THAT I NEVER USE AND HAVE NOT USED AT THE BANK. WE WENT TO THE LOCAL BRANCH AFTER REPORTING THE CRIME TO OUR LOCAL POLICE AND OBTAINING A CASE NUMBER ( XXXX ) THAT INIATED A " POLICE REPORT '' ON XX/XX/2022. THE BRANCH MANAGER WOULD NOT RETURN THE MONEY AND TOLD US THAT WELLS REFUSED TO REOPEN THE CASE EVEN WITH THE KNOWLEDGE THAT WE HAD FILED A POLICE REPORT. WE ARE TOLD THAT THE CASE HAS BEEN TRANFERED TO TEXAS. ON XX/XX/XXXX, WE CLOSED OUR ACCOUNTS AT THE BANK. 

I AM FILING THIS CLAIM AGAINST WELLS FARGO IN ORDER TO HOPEFULLY GET OUR {$4000.00} REIMBURSED.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have one existing credit card that shows late payments it has never been late one that was paid off and closed and it shows that it is still open by XXXX XXXX and that it was just a debt that was settled we paid it in full and I close the account because I didnt want to deal with XXXX XXXX  anymore it is still on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My complaint is against Experian XXXX XXXX XXXX Score for auto, do not show the four auto loans that I have paid off. Current I am seeking to purchase a vehicle and when the deals run the XXXX XXXX score, it doesn't show the vehicle have been paid off and cause me to have a low XXXX XXXX score and not able to purchase a vehicle. 

XXXX XXXX XXXX XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$9000.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$15000.00} Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX Balance details Balance on XX/XX/XXXX - Original balance {$11000.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan XXXX XXXX CRED Balance details Balance on XX/XX/XXXX - Original balance {$2500.00} Account status Closed Date opened XX/XX/XXXX Account type Auto Loan

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 2022-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have called and filed several disputes online. Equifax and XXXX are reporting my XXXX  card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CA

Complaint narrative:
In addition to ongoing false reporting of revolving utilization and credit score, Experian is now falsely pursuing disputes for items that I have not disputed.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
On XX/XX/2022 I made a dispute claim with Navy Federal for an online order I made on XX/XX/2022 for goods not received. I have uploaded documents to Navy Federal portal from the merchant stating that an error has occurred and would be issued a refund for undelivered goods. I have not seen the refund credited back to me from the merchant therefore, I made a claim with Navy Federal to assist me with my account. I was asked if I wanted the items re-delivered to me or a refund and I requested the refund. The merchant has been paid twice once by me and the third party company that issued the refund for items they never delivered. The merchant has experience no lost due to the fact the items were paid in full by me and also refunded. 

Navy Federal is claiming no error occurred and refuse to credit my account. The goods purchased needs to be repurchased for my family and household purposes. Due to their claim of no error I have been charge for delivery fees and a tip for the driver for items never received. I should not be charged for any of these fees.

I have requested all information and documents from Navy Federal of their investigation in determining their claims that no error has occurred. Under the Fair Billing Act I should not be charge in the event of not having my items delivered to me. I am requesting that the error be corrected and if any finance or other charges related to my dispute to be credited back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
The balance owed is showing additional money since signing. Instead of XXXX it now reads XXXX on XXXX. The interest rate and balance owed are wrong. This XXXX XXXX, XXXX XXXX XXXX GM Financial is all a big scam.The {$2500.00} in addition is fraud. There IS NO cilajet on the car & the theft deter extra {$990.00} was already listed on the sticker price. It's them Hiding money to make it look legit. I should have a balance of {$14000.00} @ 0 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: IL

Complaint narrative:
On XXXX XXXX before the end of business day I made a payment over the phone for the first time ever with this XXXX XXXX  I spoke to the representative over the phone, and I was assured I was not going to be late it was on a recorded line. They did their investigation concluded that the representative was incorrect, but the decision remains in that time I did not know that they were going to apply the payment for XXXX because I had 2 days left until the end of the month. I have made similar payments in branch before without a problem and the representative assured me, I would be fine without the company line verbiage that they are trying to communicate telling me the customer that it was not a business day that's their only response That was given to me I was redirected to XXXX it was a department that handles the situation they had no compassion for the error they were condescending they belittled me and talked down to and basically told me that's it! after a 3 day investigation in the meantime my score dropped XXXX points and my life is in shambles I have lost of sleep I have never been 30 days late with the company in 4 years. I am ready to go to social media and alert people to not believe what this bank tells you over the phone nothing has been resolved as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harley Davidson Financial Services Inc
State: CO

Complaint narrative:
They contacted my XXXX  child while they were at school and told them to have me call them about a debt that is in litigation ( we were hit by another person and insurance is paying off the motorcycle ). My husband had XXXX XXXX due to the injury from the accident and we have been at the hospital for 3 weeks while he recovers. They are calling my XXXX child, distant relatives, employers, neighbors.. etc. we have told them to stop calling and they will not. XXXX from XXXX XXXX financial called my son, and my mother in law stating that there was an issue between my husband and I she needed to speak to her about. The tactics are extreme. To call a XXXX child on their cell phone that their father pays for and I am not connected to, and to leave a message for a child to tell their mother, I am appalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CITIBANK, N.A.
State: MS

Complaint narrative:
I applied for the Citi Premier card in response to their offer of XXXX Thank You points for spending {$4000.00} in the first 3 months of opening the card. The card has rejected my attempted charges numerous times. This morning I tried to make a purchase that was declined. This happened after a decline charge yesterday, After I verified the charge is scenario has played out numerous times in the past week or 2. 

It actually seems like the bank 's " fraud '' system is functioning in a way to intentionally make it difficult for me to spend enough money to earn the bonus they offer in their promotional offer.

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 2022-08-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Lowes credit card denied like everywhere else

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 2022-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: IL

Complaint narrative:
I paid my loan to Mercedes Benz Financial Services as agreed. After making the final payment I discovered that the lender had lost the vehicle title. All they are willing to do is send me a paid in full letter. I think that the lender is responsible for the safe keeping of the collateral ( vehicle title ) and that they should be required to obtain a duplicate title. I am trying to sell the vehicle but am unable to do so without a title.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: MS

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted XXXX, XXXX, and Transunion to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.

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 2022-08-25 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:
I have requested numerous times to get these disputes removed off my credit reports, they are keeping me from getting approved for my mortgage to purchase a home. I have already submitted complaints XXXX / XXXX / XXXX. I have contacted XXXX, Equifax, and XXXX to please removed these disputes from my credit reports, they have said that it was done, but it is not. Please help me to get these disputes removed from my credit report, I am past frustrated and tired of talking to these companies about getting these disputes removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: FL

Complaint narrative:
I disputed inaccurate information that was placed on my Equifax credit file by XXXX XXXX in XX/XX/XXXX via Certified letter. I received a response from Equifax stating that the information on my file was verified. XXXX XXXX is reporting two different accounts with different accounts number and multiple names to Equifax. I have attempted approximately six years to have this information corrected. I dont own this account anymore. The home have been sold and the current owners are living in the home XXXX XXXXe purchased this account from XXXX XXXXe in XXXX but stating that they are the original owners. Ive attached as much documents as possible along with a spreadsheet that Ive created.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I booked a hotel in XXXX last XXXX using points from my Chase Sapphire Reserve card for 5 nights. The hotel was not as described, so I spoke with the front desk and they assured me I could cancel the remaining nights. Chase has not reimbursed me for the 4 unused nights. I have contacted Chase 10 times via phone starting in XXXX, and reached out over XXXX. Each interaction ends with a promise that someone will get back to me in 24-72 hours. However the points remain unreimbursed and no one from Chase has contacted me. 

I called Chase to try and resolve this on XX/XX/1920, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XXXX. Each call lasted between 30-90 minutes. I reached out via XXXX on XXXX XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 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: FL

Complaint narrative:
**Capital One shopping** app/ XXXX  extension Ive got a couple emails from capital One since I have a couple of their credit cards telling me to download their new service capital One shopping no credit card needed just a free service that provides savings and rewards on online purchases. So I went ahead and created the account looked at deals and they were offering 35 % cashback/rewards on XXXX purchases. Purchase was made on XX/XX/XXXX So I followed the instructions purchase was made of {$140.00} with the reward of 35 % back. After a couple weeks I noticed my rewards were still showing pending and I reached out ( XX/XX/XXXX ) to customer service to let them know this is my first time using the service how long does usually take and what are the proper steps and I made sure I clicked activate as shown in the pictures below so I can get my reward both times reps have told me you have to wait to 30 days and contact us again if it doesnt show after 30 days. After reaching out three more times with no replies even replied back to the lady asking whats going on I got an auto response in case was closed. Capital one claims in their email that they do not pay the reward the merchandise so essentially its a scam and capital one reeks the benefits of affiliate links getting you to click on the link purchase through their link and they get a percentage while the consumer gets absolutely nothing. I only made this purchase through them because of the cashback/rewards you can even see the false advertisement today as I went to their app and it shows 95 % cashback/rewards on the purchase so essentially youre paying 5 % of a total price no business is going to offer that if they want to be around total scam something needs to be done and you can never get a hold of anyone on a phone number its all done by email which is totally frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act, Experian has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. 

Experian Information XXXX has been reporting an account XXXX XXXX XXXX on my credit report that was opened due to fraud. I disputed the account in XXXX of XXXX, and they stated it was removed, and then reinserted, and have not sent any documentation.

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 2022-08-25 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: TX

Complaint narrative:
I have called and filed several disputes online. XXXX and Transunion are reporting my XXXX  card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.

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 2022-08-25 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have called and filed several disputes online. XXXX and XXXX are reporting my COMENITYBANK/VICTORIA card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
Hard checked my credit twice. XX/XX/XXXX and XX/XX/XXXX. I had already received a loan with them from the first check, but they then gave me another hard check. It is completely an error on their part, as they checked it under their business, Goodleap, and through another service provider that confirmed Goodleap requested the info. Goodleap refuse to take the 2nd fraudulent check off my credit report, even though it was a mistake on their end. 
Called 2nd week of XXXX, but I did not write down the date. Was told I would get a call back from " XXXX '' about what happened. Never received a call, so I called XX/XX/XXXX where I was transferred to nowhere twice. XX/XX/XXXX I called again, and was told that they thought it would be easier for me to report it and do the work of getting the fraudulent check off myself than for them to request it. They refused to even try, stating they don't have people who fix these errors.

Company response to consumer: Closed with explanation