vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I was at the end of my loan in XX/XX/XXXX. Called to get payoff the auto loan for XXXX and was told I would be receiving the title in 7-10 days. I waited but never received the title. After checking online account the payment did not pay off account and additional principal was added for {$20.00} plus interest and late fees of {$100.00} totaling additional {$270.00} still owing to payoff the acct. The representative today XX/XX/XXXX said that if I paid this I could have my title but her disclaimer added unless there are additional fees then I would not get my title until those are taken care of. I asked her to confirm there are no extra charges so that this additional payment would guarantee my title and she said that she had no way of knowing because there could be additonal fees or past payment reversals. So at this time my title is dangling just out of reach by additional fees and interest. I understood that when you requested a payoff that all additional interest and fees were included in that amount but for Wells Fargo they conveniently add those additonal fees after the fact the keep the title in their possession.

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 2023-02-13 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: MI

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, XXXX XXXX XXXX, & 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 2023-02-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, 2022 I applied for a credit card offer promising a {$200.00} bonus after spending at least {$500.00} dollars within 90 days of approval. After I spent the necessary {$500.00} dollars I noticed I still hadnt received my bonus so I contacted the company on XX/XX/ 2022. I was then told that I had applied for the card offer which didnt include the bonus which isnt I sent the proof then I was told that I was declined for that offer but they didnt acknowledge the fact that they still sent me a card even though I was declined for that offer without letting me know that I was declined for the offer which I had applied for. If they had just declined sending me the card true. When I told them I had applied for an online email offer. I was told to send the proof which I did. After because they felt I didnt qualify for offer that would have been fine with me but they pulled a bait and switch on me by sending me a card with the promise that I would receive the {$200.00} bonus that was promised me in the beginning. Ive recently looked at the XXXX site and have noticed that Im not the only on whos been tricked by Capital One with this bait and switch offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Attached is an identity Theft Report with the following fraudulent inquiries listed below. 

TransUnion Fraudulent Inquiries XXXX XX/XX/2023

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 2023-02-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive been trying to update my name on my credit report because the name showing on my credit report is wrong and there should only be 1 name which is XXXX XXXX XXXX XXXX XXXX I would also like incorrect addresses to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled my report and still see the accounts that I have been disputing appearing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is clearly a violation of my rights and demand that these items be removed on my credit report ASAP.

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 2023-02-13 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: WI

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

XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ) & ( ACCT # XXXX ), XXXX XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ACCT # XXXX ), XXXX XXXX XXXX  XXXX ACCT # XXXX ) and, XXXX XXXX  XXXX ACCT # 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 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 2023-02-13 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: WI

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

XXXX XXXX ( ACCT # XXXX ), XXXX XXXXXXXX ( ACCT # XXXX ) & ( ACCT # XXXX ), XXXX XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXXXXXX XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ( ACCT # XXXX ), XXXX XXXX ACCT # XXXX ), XXXX XXXX XXXX XXXX ACCT # XXXX ) and, XXXX XXXX XXXX ACCT # 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 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 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XXXX2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CO

Complaint narrative:
I ordered an XXXX XXXX gen with an XXXX XXXX through XXXX with Affirm on XX/XX/2022 they said I would have to sign the package but the shipping company XXXX left the box on my front porch with no signature and nobody was home. After getting the alert, I ran home and found my package was missing. I immediately reached out to XXXX to see what happened. They said it was delivered and to reach out to the shipper to verify. After I opened a ticket and talked to XXXX customer service they said that the package was scanned at my location but confirmed it was not signed for as it was stated. After that, I reached out to XXXX with the evidence and they said that if I paid for it myself they would give me a refund right away. But since it's with Affrim I would have to reach out to them directly. I reached out and provided the information to Affirm and they told me to just wait to see if it ships. A couple of days later part 2 of my order was shipped with XXXX ( the XXXX XXXX ) when it shipped I immediately let them know I received part 2 of my order but am still missing part 1. I then followed up on the order a couple of days later to say I'm still missing it and they responded by saying the item was delivered and showed me the tracking number of the XXXX package which was just the XXXX XXXX priced at under XXXX XXXX I argued I am still missing my XXXX with no luck, I was stuck in a loop with Customer service with everyone saying that I got my order until I escalated it twice to a manager so I could speak with someone not just chat. Every time I escalated it to a manager they agreed with me that I shouldn't have to pay for the item I never received. I don't mind paying for the XXXX XXXX but I would have rather returned it since I never received my XXXX ( main item in order ). A couple of days after escalating the issue I would get told the item was shipped and get provided the same XXXX tracking number again as if they had no idea the 2 items in my package were sent with 2 separate companies and after 3 months of the same loop they sent it to a collection agency. I am in the process of disputing with them too this whole process has been very anti-consumer. My credit is taking a hit and they are expecting me to pay XXXX XXXX  + for an XXXX I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have previously provided a police report number to Equifax in XXXX  stating that my identify was used by someone else. I have provided everything they have requested and verified me identify multiple times. They still have names listed on my report that are not mine. At this point this is clear that this is willful, and they are being non-compliant. They are not updating my name and refuse to actually make sure someone is verifying the information they place on my credit file, especially due to this delicate situation. My name is XXXX XXXX XXXX. It has never been changed. The name they have on my report Twice ( 2 times ) still shows XXXX XXXX XXXX. My middle name does not start with a XXXX  and never has.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Was contacted through XXXX They claimed to be my teacher They claimed I would receive a large payment if I invested small amount of money with XXXX. 

This what they opened with XXXX app in conjunction with The XXXX company with gift card for bitcoin spinning, presently they are giving out money to help people by this period of pandemic ... To benefit from this you have to trade with them using giftcard or making the payment through XXXX app for trading and get your winnings immediately after verification. 

So if I invested {$1000.00} I would receive {$12000.00} back. 
Toward the end they wanted verification from my XXXX to link my payment with ads on XXXX Ok now go to your XXXX settings Click on security and login, click on use two factor authentication code Click on the option to register text message Register text message with your phone number. 
Your payment has to be attached to your page just like ads

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Albert Corporation
State: NV

Complaint narrative:
I randomly received a text messages from my bank notifying me that my pin number was successfully changed. I absolutely did no such thing. I immediately logged into my account and changed my password and pin. This happened again after a couple of hours. My online bank, Albert, does not have a way to talk over the phone. Only by text and email. I texted them the same day and explained the situation. They simply told me to change my password again. I did. A couple days later the same thing happened. That time there were some attempted charged that did not go through. I notified them again. They said there was no issue since nothing was charged. A third time pin change message was sent to me. This time i could not log in to my account. That same day i noticed i still couldn't log into my account. It took the entire day but i was finally given access to my account again. Immediately i noticed XXXX fraudulent charges. Very obvious ones. It took me XXXX days to be able to submit a dispute because of how albert bank is set up. I finally did. I was told the descion was that nothing will be credited to my account. I am a victim of fraud and albert bank did not take the matter seriously even when I notified them of a suspicious activity before fraud charged even happened. I have little money. Like many others i am struggling. And i feel victimized by albert bank.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
MY lease ender I bought out lease and finaced thru ally on XX/XX/2020,! have been making payments ever since, I rec 'd notification from ally that account was moved to ally auto.com for the servicing of my account I had to use a new website which i could make payments had issue but finally I was able to log on to my account and now it shows I am past due over {$9000.00}. on the phone for over an hoiur disconnect many times no answeres i dont know if they reported this to the credi bureaus. I have not had any claification or corrections to my account getting the run around. I have my note and my payment hisotry which shows consitant payments sinbce loan was orginated They are giving me the run around sopending hours on phone with no satisfaction other then to tell me they are looking into it

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 2023-02-13 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I was reviewing my XXXX Credit report and not a Dillard 's account that was reporting as a charge-off. I sent a certified letter to Dillards dated XX/XX/XXXX as for verification and validation of the amount listed on my credit report. ( See attached letter ) I received a letter from Dillards dated XX/XX/XXXX, only providing me with none of the information that I requested for in my letter to them. They completely overlooked the information asked for in order to identify that this alleged charge-off truly belongs to me.

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 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: FL

Complaint narrative:
This collection was resolved last year XXXX XXXX XXXX contacted AFNI and provided documentation stating that there was no pursue of funds since the billing was created by an internal mistake. At the time this collection was removed from all credit bureau but now as of XX/XX/2022 AFNI has filled again. I called them and they stated that 1- it would take 7 to 10 days to get an email with the information that they have, Then they told me it would be 3 days. more than 10 days have passed and i still don't have any information as to what they claim to have

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: NORTHWEST BANCSHARES INC
State: AL

Complaint narrative:
This bank commented multiple violations, As a consumer they furnished me deceptive forms while creating a false belief .I would like to be reimbursement of what i payed to this company.This company has comment Fraud .By them doing this has damage my life for years.

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 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo has a lawsuit against them for changing interest rates and possibly overcharging mortgages. I called Wells Fargo, and they don't know what I'm talking about. I also have a credit card with them. I want to see if I am entitled to any of the money in the lawsuit.

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