vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Confusing or misleading advertising
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
In purchasing the car from GM Financial, I was clear about not wanting a lease with a balloon payment, quality of the car ( no unreported accidents and/or issues ), an affordable monthly amount, and hidden fees. I purchased the car for approx. {$20000.00} in XXXX. In paying over the years, I continuously questioned why the term amount was not changing yet I was paying almost $ XXXX for a XXXX car only worth {$20000.00}. I also found out after purchase that there were issues with the car including active recalls. The car has been steadily declining and the cost continues to be exorbitant. I've tried to refinance with the finance company multiple times. After two years and multiple agents, I finally started to make headway with completing the refinance promised. Just prior to signing, I realized that I again received misleading details regarding how the refinance would extend the loan not create better terms. During that period, they repossessed the car twice almost doubling the amount due at the time. I was told in XXXX upon last repo, that the payoff amount was approx. {$10000.00}. In the agreement to retrieve the car, I questioned how long before the car would be paid off now having entered the 5th year and still owing half the original amount. I was told that now that all the finance charges were paid, my payments would go towards the principle. However, now in XXXX, I am still paying the same amount monthly and my principle is STILL {$10000.00}!! I have begged the company to explain and assist, their only response is to threaten to repossess the car AGAIN. Even while the payments were within the month due. 

I feel I was misled and lied to. Consumers should not have to be victim to such treatment simply because our credit score is low. It is unfair and shameful that companies can get away with this. I have no idea how this car will ever be paid off. I feel like I keep paying and my principle is constantly staying the same. After 6 years, I still own half of the original purchase amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Received a special offer to open an account, followed QR code opened account, complied with the terms. 

Bank is stating that wrong account was opened, refused to provide rewards. 

Opened Complaint # XXXX with the bank, emailed all supporting documentation : did not receive response within XXXX business days and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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:
I sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX. Here is my tracking number. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. According to the law 15 U.S. Code 1681i-Procedure in case of disputed accuracy, if the completeness or accuracy of any item of information is contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute the agency shall conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the dispute information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-01-22 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: CA

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was completed and accurate. 

I waited XXXX  days and received my investigation and notice everything was still the same. 
The consumer reporting agencies which is Equifax, XXXX, XXXX, did not modify or remove anything. 

So I asked for the description of the investigation according to 15 USC 1681i. I still have not received anything back from each burea.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They take more than 2 weeks to completely charge me with all my payments. And I when I ever go out the limit there is always a fee on my account. I see no dollars taken out at the moment I make my payment until like 2 weeks and they always leave me at a negative number.

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was the trustee of my sister 's property, I paid the mortgage n taxes, the house had a bad loan and they would not work with me, the house foreclosures, lost my sister 's family home, then they turned around and sold it at auction for less than what I offered. I believe there is a law suit going on regarding this? My sister 's name was XXXX XXXX. The house address was XXXX XXXX XXXX in XXXXXXXX XXXX Please advise if I'm on the right path. Thank you

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 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
In XXXX of 2022, I was a finalist for a CEO position and I signed a disclosure and authorization for XXXX XXXX to do a consumer report. I am formally complaining that this credit report is being reported by Equifax and a Hard Inquiry which has credit score implications. On no other reporting agency is this investigation being reported as a hard inquiry as I was not seeking credit. I have called XXXX XXXX and requested they fix this error and have not received a call back from them. After not receiving a message from XXXX XXXX I filed a dispute with Equifax and it was denied. I am requesting that this inquiry be removed from from Hard Inquiry which would remain on my report for another 13 months and continue to have a negative impact on my credit score as if I were attempting to over purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Someone ran a mortgage hard inquiry with my information and I can not see who or what the mortgage company is.

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 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had an account with Wells Fargo was charged in fees where I was force to close account could not afford to keep it open

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo would charge my acct for overdraft fee before giving me time to bring it up to date and they closed my acct after XXXX years without notice

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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/2022 there wasnt charge from Walmart in the amount of XXXX which I didnt authorize I was home getting an infusion of my meds not in Walmart my card was in my purse. Capital one then proceeds to charge back my disputed charge making my account over drawn by XXXX telling me the charge was valid when I have prove from my XXXX XXXX that the nurse was in my home that day

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: PA

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. 

XXXX XXXXXXXX # XXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX XXXX, has violated rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX XXXX  # XXXX, has violated my rights 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 2023-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We were in debt trouble in 2008. So we apply for this Home Equity loan In XX/XX/2008 with XXXX XXXX Chase. The home estimated value was around {$60000.00} with an first mortgage also around {$40000.00}. They offer us a loan value {$95000.00}. After 14 years of paying on this loan the amount is current at {$85000.00}. We have been trying to find a way out of this loan but the home value has not no where come close to refinance. My question is this loan consider to be an subprime or predatory lending loan? If so is there a way out?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: NC

Complaint narrative:
In accordance with the fair credit reporting act the list of account below has violated my federally portected consumer right to privacy and confidential under 15 USC 1681 section 602. XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 1.5 USC1681 section 602 states i have rights to privacy. 1.5 USC 1681 section 602 its also states no conumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c [ a ] Section states no consumer reporting agency may make any consumer report containing any of following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681-2 [ [ a ] a person shall not furnish any information relating to a cousmer to a consumer reporting agency if the person knows or reasonable cause to believe that the informtion is inaccurata.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: GA

Complaint narrative:
Wells Fargo Account was charged non sufficient funds fees and accounts closed.

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 2023-01-22 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: NV

Complaint narrative:
This account no longer belongs to my credit report because it is removed from my credit report, it was an account as an authorized user and I am no longer one.

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 2023-01-22 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: OK

Complaint narrative:
They said my check was fake and then they closed my account and i never received my money

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 2023-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
When filed for bankruptcy 7 years ago Wells Fargo didn't send back there paper work and now my payments are not being shown on my credit report. We were not filing against the house just our credit cards. We tried settling this before through Wells Fargo and they said they couldn't help us and it was our fault that they didn't get the papers in.

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 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
why this situation is happend with my account. i try to withdraw my money but the system is not allow me to do that. since XX/XX/XXXX until XX/XX/XXXX my account has been limited for same reason XXXX times XXXXXXXX XXXX XXXX XXXX XXXX XXXX THIS SITUATION IS NOT GOOD AND THE ONLY THINK I TRY IS WITHDRAW MY MONEY TO MY BANK ACCOUNT. IF YOUR SYSTEM MAKE ANY MISTAKE ABOUT THIS SITUATION PLEASE FIX IT. I attach A DOCUMENT PAYPAL SAID MY FUNDS WILL BE AVALIABLE BY XX/XX/XXXX BUT NOBODY HELP ME WITH THAT. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank reported to the Social Security Administration that they had or have sent me an actual check and reported me to the social security administration as Income Therefore the Social Security Administration has been penalizing me into payiing this money back to the XXXX as overpayment and me not reporting it as income, The amount is to be {$5200.00}. 
I have asked Wells Fargo Bank to send me a copy of the check they gave to the XXXX which I also asked the XXXX for a copy of the check, to no avail from both offices. 
as of this writing : XXXX XXXX. 
I believe this matter has been going on now since about XXXX after several calls to both entities. 
I can provide more details on dates and several persons names of both entities. 
Your full and prompt cooperation in this matter will be greatly appreciated. 
Sincerely. 
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 explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
On XX/XX/2022 i was trying to used my card to make a transaction and my card didnt work it was saying that the chip of the card was wrong so i call the company to send me a new one and they did but it was doing the same problem and plus wellsfargo used to lock my account so i end up closing my 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 explanation
Consumer complaint received 2023-01-22 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: AL

Complaint narrative:
My account stayed in good standings for a while then all of a sudden there were a bunch of overdraft charges and then all of a sudden they closed me 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 explanation
Consumer complaint received 2023-01-22 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: PA

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. 

XXXX XXXX XXXX XXXXXXXX, has violated my rights XXXX XXXX # XXXX, has violated my rights XXXXXXXX XXXX XXXX XXXXXXXX, has violated rights XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXXXXXX XXXX # XXXX, has violated my rights 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 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
On XX/XX/2022 TD Bank deposited by stolen check # XXXX into XXXX XXXX 's account. My stolen check # XXXX was washed and all fields were rewritten and the amount changed from {$78.00} which I have on my carbon copy to {$5200.00}. The check issuer XXXX XXXX states all their checks are protected by XXXX. The security features on the back of the check are all missing- the back of the check is white without the water markings and other security features- my signature is completely different on this check. Yet, TD Bank, deposited money from my checking account into XXXX XXXX 's TD Bank account. When my bank submitted a warranty claim to TD Bank on XX/XX/2022, TD Bank responded on XX/XX/XXXX indicating there was " no warranty breach ''. Then my bank attempted a hold harmless agreement with TD Bank to recover funds and TD Bank replied " non-sufficient funds ''. TD Bank has not indicated doing anything to investigate this Federal Crime to myself, the victim of this crime. They were given 120 days to investigate our claim ; and now since they have not shared doing any investigation ; I am asking for an investigation into XXXX XXXX ; the suspect- their member, who ended up depositing money stolen from me into TD Bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: NE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 STATES I HAVE A RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS A LATE FOR ANY PURPOSE. IT'S ILLEGAL TO REPORT THESE LATE PAYMENTS ON MY CREDIT PROFILE.

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