vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting 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 filled a dispute on XX/XX/2023 Requesting of inaccurate information on my credit report and Equifax failed to respond on timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter from Citi bank ( image of letter is attached to this complaint ) Stating the they were pleased to tell me that my " provisionL credit will be permanent " I never received any form of pay or added funds, less any provisional credit and now the dispute being resolved and closed and in my favor, THEY NEVER ADDED THE FUNDS to my account Not as a provisional credit nor now that it is resolved and closed ( DO NOT SEND ME A LETTER CLOSING MY CASE STATING SOMEONE ELSE MUST BE DOING THIS OTHER THAN MYSELF, what in the world is that!?!??! ) I AM 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 monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
RE : Right of Rescission Dear Westlake Financial Services I XXXX XXXX original creditor and natural woman/man hereby rescind my consent to be liable or compelled to perform on to the contract and agreement I entered with XXXX XXXX on XX/XX/. 

I entered into this contract agreement with XXXX XXXX without : Full disclosure of my rights to rescind Transparency regarding the process of the consumer credit application being the financial asset ( 12 CFR 360.6 ( 2 ) ) As well as self-liquidating paper ( 17 CFR 260.11b ( 6 ) ). 

I have reason to believe that XXXX XXXX willingly and knowingly took advantage of me and my consumer credit. 

I am NOT terminating or canceling this contract, I am deducting my liability to pay on behalf of the obligor, As I have found several violations and fraud. Notice that pursuant to 15 U.S. Code S 1635 ( b ) : upon receipt of this rescission, I am not liable for any finance charge or other charge. Any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. 

In addition, I was given false and deceptive information, As i was informed that a down payment of {$7000.00} was needed for me to drive off the lot. Notice that Pursuant to 15 U.S. Code S 1635 : Within 20 ( twenty ) days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, down payment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. Pursuant to ( 15 USC 1605 ( a ) : the amount of a finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges Furthermore, the down payment reimbursement of {$7000.00} shall be made by check or money order payable to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Best Regards, 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 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION
State: PA

Complaint narrative:
In Regards to an automobile loan account on my consumer report with First Commonwealth Bank. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2. 

This is also a violation of tax code and multiple state laws in which XXXX, XXXX and XXXX are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The XXXX XXXX XXXX Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I opened a new credit card with Wells Fargo. Once I received my card, I called customer service to request authorized user cards. I asked if the cards could be rushed over. The agent confirmed that they could rush over the card. I was not told that there was any fee. I was looking at the card charges and saw a {$16.00} charge for RUSH CARD DELIVERY FEE. I called Wells Fargo customer service to inquire about the charge. I simply asked the agent what the {$16.00} charge was for, nothing else. The agent automatically processed a credit for that charge. This is without me asking for a credit. 

Wells Fargo is continuing its abusive practices and so I wanted to bring to CFPB 's attention.

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 2023-09-30 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: FISERV FINXACT CORE
State: FL

Complaint narrative:
This letter is to notify the management named as Telecheck that your company placed and unauthorized inquiry on my credit report on XX/XX/XXXX  from : XXXX XXXX XXXX XXXX. I demand under FCRA : Section 604 : 1. Permissible Purpose. 2. My original written authorization ( not a copy ). 3. Proof of signature that I personally initiated this inquiry. Either provide me strict proof or DELETE the item immediately. If you do not delete this info within15 days I will take legal action. Under 15 USC Section 623 you have 30 days to do a reasonable inquiry into this matter. If you ignore this letter and do not delete the info or dont provide STRICT proof of authorization I will have no other choice but to have my local Congressman promptly forward a formal complaint to the Federal Trade Commission and Attorney General for further scrutiny of this matter. You do not have permission to have or make any consumer account with any of my info such as Name, Phone, Email, Social Security, Passport, Drivers License, ID numbers, Address, Date of Birth * Permanently Delete my consumer account from your database and prevent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Lendmark Financial Services
State: CO

Complaint narrative:
I had a loan which interest rate is outrageous and can not afford to pay due to unemployed. 
They call me uncountable times a day, every day for months, and they also called my landlord and my previous workplaces. 
It's a harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
I have a long standing relationship with Navy Federal Credit Union. Well over 10 years, multiple loans, lines of credit and credit cards have been issued to my name from them. 
Recently I applied to have my auto loan refinanced. I wanted to lower the interest rate. I just barely got the vehicle about XXXX mos ago and obtained financing thru a different credit union. NFCU gave me a higher interest rate compared to my existing credit union and could not expand as to why and or what was causing for the rate to be so much higher. In addition the financing term would be a shorter term compared to my current credit union. I monitor my credit regularly, all payments are on time, credit usage is low, and 100 % of payments have been on time. So I was shocked to hear that they put me towards the bottom of the interest tier when they offered me such a high interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Did not give permission for Hard inquiry. Please remove now. 

BK OF AMER Inquired on XX/XX/2022 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 2023-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have had a vehicle loan with Pentagon Federal Credit Union for approximately the last 18 months in which I make on time payments via their website each month. This month I am traveling overseas and attempted to login to make my payment which is due in the next few days ; only to have my access blocked and to be told that I need to call their customer service department. I immediately contacted their customer service department which was of course closed at the time. I contacted the number provided to me once again when they reopened and spent an incredible amount of time with an agent verifying ID information and receiving a text message to my mobile phone which I in turn also had to provide her. I expressed my concern that I simply needed to make a PAYMENT on my account and was told there is nothing she can do and that I need to speak with a DIFFERENT department that was not currently open. I then advised her that I would PUSH a payment from my checking account with a different bank and was told that they would not accept my payment and would return it. 

This appears to be a clearly fraudulent business practice that PenFed is blocking consumer accounts for supposed security reasons and then not allowing a payment to be made on a DUE account and thereby potential causing customers to incur late fees and derogatory credit marks on their credit file. 

From my research online PenFed seems to have a habit of blocking consumer accounts and then creating havoc to get them unblocked when people try to access their accounts overseas or via a Virtual Private Network ( VPN ). While I understand the need for security measures blocking a consumer from making a payment directly from their account at ANOTHER bank ( a PUSH payment ) appears to be a fraudulent and deceptive business practice. The agent advised me that under no circumstances would a payment be allowed on the account until I spent additional time contacting some other Department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRANSCARD, LLC
State: NY

Complaint narrative:
I am facing continued trolling and harassment from TranscardXXXX  as of today XX/XX/XXXX which has been a process that stye have put me through for years. The card, card number, and card info they have sent me, today, is unable to be used to purchase a Gift Card on XXXX, to pay for an order on XXXX, and can not even be added to XXXX XXXX or linked to XXXX. Therefore, TranscardXXXX must stop wasting my time and send to me a check in the amount of {$8.00} ( and if they do, they can cancel this card ) instead of prolonging what is years of trolling and harassment. The card they have sent to me has {$8.00} on it, as per their online platform paynuver, and the last XXXX of the card is XXXX. Is expires on some future month and year that is after the period XX/XX/XXXX -- can not share more in this semi-public complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-09-30 00:00:00
Product: Credit reporting 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 Regards to an automobile loan account on my consumer report with XXXX XXXX XXXX. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2. 

This is also a violation of tax code and multiple state laws in which XXXX, XXXX and Equifax are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The Pennsylvania  XXXX Services Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
XXXX and XXXX law firm sue after the time XXXX period in Arkansas is 5 years so why they are garshment at 9 years! They never proof it was my debt they just sue I was reporting this to trade commission! I feel this wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
A phone call was placed to my personal cell phone number at XXXX XXXX  XXXX  time XX/XX/2023. 
I returned the call at XXXX XXXX XXXX  Time and requested an email address and mailing address. 
I spoke with XXXX representatives in which directed me to the website and not grant the information collected. 
I asked to for proof of the a legal binding contract between XXXX XXXX and Caine & Weiner. 
If the debt can't be validated, I request that Cain & and Weiner cease all further collection activity and reporting of a debt that isn't owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: FL

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I am a XXXX man, and I was very upset, on XXXX, XX/XX/2023, when I received a phone call at XXXX XXXX. 
I missed the call but was concerned because someone was calling me so early. Even though I didnt recognize the number, I immediately called back. 
The call was from a collection agency demanding payment on an old debt that was past the statute of limitations, in New York. 
The name of the agency is : IC Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX XXXX I didnt recognize the name of the company they claimed I owed money to and the debt they were demanding payment on was XXXX or XXXX XXXX XXXX. 
I would like to file a complaint. 
Not only is this agency calling at an illegal time, but they are also participating in a predatory practice when they targeted, at least, this senior and demanded payment on a debt that is no longer a legal obligation. 
I would appreciate it if you could investigate this situation and let me know the results of your investigation. 
Thank you for your attention to this matter. 

Best regards, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY 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 2023-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
I'm trying to get my Next Advance Loan, by : Dave, for at least {$25.00} or {$50.00}, but Dave only can give me Seven Days to repay it back, to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
Introduction to the Issue : I am writing to file a formal complaint against Equifax Information Services LLC regarding the ongoing reporting of collections on my credit report, which has been furnished by XXXX XXXX XXXX. Despite my multiple attempts to dispute this inaccurate and outdated information, Equifax continues to report it as verified. This situation has not only damaged my creditworthiness but has also raised serious concerns about the accuracy and legality of their reporting practices. 

Continuous Reporting Despite Disputes : Since my initial dispute, I have not received any substantial information from either XXXX XXXX XXXX or Equifax to support the validity of this debt. Nevertheless, Equifax persists in reporting it as verified. This ongoing reporting has caused significant distress, as it inaccurately portrays my credit history and financial responsibility. 

Status of XXXX XXXX XXXX : It's crucial to note that XXXX XXXX XXXX has been out of operation since XX/XX/2009. This fact is well-documented and should be readily available in Equifax 's records. Despite this, Equifax has failed to rectify the reporting of this debt, which calls into question its commitment to adhering to the Fair Credit Reporting Act ( FCRA ). 
Lack of Licensure in Montana : XXXX XXXX XXXX is not licensed to operate as a debt collector in the state of Montana, where I reside. This is a clear violation of Montana state law, and it should further invalidate their ability to report this debt on my credit report. Equifax 's failure to acknowledge this violation adds to the mounting concerns about its reporting accuracy and compliance with state-specific regulations. 

Impact on Creditworthiness and Legal Implications : The continued reporting of this inaccurate and outdated debt has had severe repercussions on my creditworthiness, affecting my personal and financial life. I firmly believe that Equifax 's actions are not only damaging but also potentially unlawful. They are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), both of which were designed to protect consumers from unfair and inaccurate reporting practices. 

Request for Immediate Action : In light of these concerns and the clear violations of federal and state laws, I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter thoroughly. Equifax should be held accountable for their actions and for rectifying the inaccuracies on my credit report promptly.

Company response to consumer: Closed with non-monetary relief