vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my final payment was supposed to have been submitted I wanted to pay my last last payment because I had no correspondence with them for this hold year of XXXX and when I looked at my statement it had a balance of XXXX. I called them immediately gave the represented my new address and information found out that if they didn't even put it in the listing. I wanted to an explanation as to why my balance was so high after fulfilling the obligation of my contract I had XXXX  hey XXXX and I explained to them that I would not be able to work until I'm ready to go back to work and they said it would be okay so they read they had Rewritten my contract because during the covid process they said it would be any fees or no interest charge everything would be the same but apparently not and as of XXXX of XXXX I had made Seven payments and not one of them was deducted from my balance and I have the documents to show that. So would I talk to the representative he was telling me {$100.00} was going to the balance and the rest was going for the interest and fees but I didn't see that nowhere in the statements so I told them to send me a verification letter to show me the charges that they had supposedly had been charged me with and he sends me a statement instead of the actual breakdown of these charges that I have so called a crew and then looking back at the contract the contract was from XX/XX/XXXX to XX/XX/XXXX which didn't make sense to me either because they were still ask for money after XXXX and so I waited for them to get back in touch with me they never to get back in touch with me cuz they said they was going to call me back to conclude the differences and they was going to show me the charges but they never did they didn't contact me at all from XXXX till now and the next thing I know my car was repossessed on XX/XX/XXXX now I've been charged every day that car is in there until something is done this is not right and this is how they do their their they're paying customers without any notification of a letter statement they got my email address and home address no corresponders whatsoever so we could have probably worked them out but I'm a senior citizen and I use my car that's my employment and I wanted something to be done about this

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 2022-11-23 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : 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 non-monetary relief
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Today XX/XX/2022, I called CFPB at ( XXXX ) XXXX because I was informed by a male CFPB agent to check back in 7 to 10 days to see if Wells Fargo responded to my mailing complaint dated XX/XX/2022 by certified mail # XXXX that being confirmed by 2 different CFPB on my 2 phone calls before in XXXX and XXXX. They adised me to call back if I don't hear any solution from either Wells Fargo or CFPB. 
At XXXX, XXXX was unhelpful and unable to answer my question, then her supervisor, XXXX XXXX refused to state her last name or the state location where her call center at. She also pointed finger at whom ever gave me instruction not to file a new complaint while my case was closed but mailing to written complaint and proofs of disagreement. That what I mailed on XX/XX/2022. XXXX XXXX refused to transfer my call to another supervisor and ended my call. 
At XXXX, XXXX XXXX received my call, but he was unable to answer on what happen to my mailing escalated complaint against Wells Fargo agents and WF Banking XXXX His supervisor, XXXX XXXX confirmed there were no upload from CFPB in Washington DC and she emailed me the all complaints from XX/XX/2022 to XX/XX/2022 against Wells Fargo before WF gave me an meaningless solution on XX/XX/2022 through CFPB but mailing a delayed solution on XX/XX/2022. 
Therefore, I have to electronically filed my new complaint against Wells Fargo agents and Banker

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 2022-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
Aldous and Associates were hired by XXXX XXXX. I cancelled my membership and the fitness company continued to charge me. Aldous and Associated place the owed amount on my credit report, however I paid this company in full. When I disputed the case with XXXX, they still did not show that the account is paid in full. I feel this is fraud and I want the information updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Complaint is with my Capital One VISA. 

Capital One Dispute Department XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref : XXXX XXXX Case Number : XXXX Dispute with XXXX XXXX XXXX XXXX XXXX on XX/XX/2021 for {$1200.00} The goods I ordered were substantially different from what the merchant presented to me. 

After trying to work with the company and failing, I filed a dispute with my VSA. They stated that the reason they did not find in my favor was because I did not send them At that time we began an investigation into your dispute and requested information from you. While we have received your response to this request, it lacks all of the previously requested information needed to validate your dispute. Unfortunately, based on the information we have, we are unable to assist with your claim. 

The needed information was a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected and what that will cost. 

I explained to VISA that store representatives from other furniture stores agreed with me but would be fired if they put that in writing. All other information was provided as the documents below show.

VISA erred in it's opinion by hinging it's denial of my dispute on the fact that other furniture store employees did not want to get fired by writing a letter in support of my claim. 

I was also unable to find in VISA 's dispute language where it says that I have to provide such a letter to prove my case. My case proves itself. see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: NC

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: NH

Complaint narrative:
On XX/XX/22 I was notified by Discover that my consent was required to provide discover with a signed copy of IRS Consent form 4506-C. I received both an email and an automated phone call requesting that I complete this form. I am very uncomfortable with a credit card company requesting a copy of my income tax return from the IRS. They stated in their email that " Prompt action must be taken in order to validate your account information for continued use. Until this verification is complete, a temporary hold has been placed on your account. If for any reason you are unable to complete the consent form, please contact us directly at XXXX, or call the phone number on the back of your card. 

Once Discover has received and processed the IRS information, you will be contacted in writing to advise that the review of your account is completed. '' When I contacted Discover they claim that all Discover credit card members were being asked to complete this form due to a federal regulation. Of course, no such federal regulation exists. As this request is a gross invasion of my financial and personal privacy, I promptly requested that Discover close both of my revolving credit accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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

15 usc 1681 section 602 states that i have a rights to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting 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 late for any purpose.

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 2022-11-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax - I called, Online request and forms and handwritten certified letter in XX/XX/XXXX the letter requesting Inquiries be removed because they were not mine and all other agencies ( XXXX XXXX ) worked with me and the inquiries were removed. Equifax is not even trying and I followed all steps requested but they send generic refusals to me. There were 13 inquires to be removed and they failed to properly remove it after I did my due diligence and reporting. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO.
State: OH

Complaint narrative:
In 2019, I took my car to XXXX XXXX XXXX XXXX XXXX, Kansas. Due to mental illness, I can not remember the actual month and day. I took my car to this XXXX XXXX to have a tune-up performed. I was called a week later that my car was fixed. I paid the amount for repairs and began to drive the car off of the lot. Unfortunately, the car stalled in the middle of XXXX XXXX. I went back into the dealership and told them that my car stalled and would not move. two technicians pushed the car back into the lot. I was very upset and told them that since they messed my car up, then they can keep it. The worker asked me if I was surrendering the car, and I said I was. That was the last I had heard from them. About a month later, I receive a letter from the XXXX  XXXX, Missouri Police Department that my car had been impounded. I thought the letter was a prank letter, because I know I left that car with XXXX XXXX XXXX in XXXX, XXXX. No one contacted me from that dealership to let me know that they were taking the car to XXXX  XXXX. XXXX XXXX XXXX had my correct address in XXXX, so I do not know why they sent the car to Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022 I received a call from a representative of Fifth Third Bank by the name of XXXX XXXX He informed me that my account will be terminated in the next 35 days. I asked why is this happening? And he stated that my account is a " high risk '', and that's the reason behind the cancellation of my account. I asked XXXX if he could be more specific on why my account is being cancelled and he stated " No, that's all that I can let you know ''. I am unable to view my online profile as well as make purchases with my debit card because my card has been blocked. Please help me get detailed reasoning and information on why my account has been cancelled. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I got notice of an inquiry from Comenity Bank ( which I never heard of ), and apparently, the company ran a " credit pull '' without my authorization. 
So I have an " inquiry '' on my account that WAS NOT AUTHORIZED BY ME. 
I also have a credit card in my name that was NOT authorized by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-23 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: TX

Complaint narrative:
Hello, I am disputing information on the following accounts : 1. ) XXXX XXXX XXXX XXXX XXXX  - - A. ) Account history says " 90 days past due as of XXXX XXXX XXXX', but there's no " 90 days past due '' payment data in the Account history chart. - - Please correct this error or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX XXXX  - - A. ) Account history payment data is XXXX  for XX/XX/XXXX through XX/XX/XXXX. Please supply this information or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX XXXX - - A. ) Account history shows " 150 days past due as of XXXX XXXX XXXX XXXX '' How can both be true? You can't be 150 days late consecutively from XX/XX/XXXX to XXXX XXXX This isn't possible. Please correct this data or delete the whole account. 
B. ) 'Payment history Data ' is XXXX for XXXX XXXX  to XX/XX/XXXX. Please supply this data or delete the whole account. 
______________________________________________ ______________________________________________ XXXX. ) XXXX XXXX XXXX XXXX  - - A. ) Payment history chart shows : XXXX XXXX  - 60 days late | XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX 90 days late | XXXX XXXX  - 150 days late - - there is MISSING payment data, and how do you go from 90 days to 150 days from XX/XX/XXXX to XX/XX/XXXX? This isn't possible. Please either supply the correct information or delete the whole account. 
B. ) There's also NO Payment DATA for XXXX XXXX and XXXX XXXX Please supply this information or delete the whole account.

______________________________________________ ______________________________________________ 5. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX - A. ) You have {$6900.00} written off and {$6900.00} past due. Which one is it? They both can't be true. Please correct this information or delete the whole account. 
B. ) Account history shows XXXX XXXX XXXX XXXX  are 150 days late ( consecutively )?? How is this possible? You can't be 150 days late from XXXX XXXX XXXX. It doesn't make sense. Please correct these errors or delete the whole account. 

**I 've attached screenshots of my Experian credit report for review**

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 2022-11-23 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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23 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: FL

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/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