vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-16 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Notice to agent is noticed to principle, notice to principle, is noticed to agent. 
This is to inform the CFPB that for the past five months Since the month of XXXX and to present day I am still Waiting for Santander Consumer USA to provide me with a signed invoice and a XXXX XXXX Contract The company has denied and refuse to provide me with that signed invoice. And since the company has not addressed my issue, I have asked Santander to set off the account. It seems like the company has no interest, but only to damage the consumer. So, I am taking the time to write another dispute and to settle this account, With XXXX Right of rescission. My decision Is because the company believe that I am dissatisfied with the vehicle. My understanding when I signed that contract with, XXXX XXXX XXXX I did not know I was signing A contract four Credit. I will Be sending A letter Certify mail of my right to Rescission on the date of XX/XX/XXXX I have tried to come into an agreement and keep this account in honor and just to let Santander consumer USA know how can you be satisfied when doing business with a dealership and a bank that likes to commit fraud, to consumers I suggest going back in XXXX when the company committed fraud in the state of XXXX Texas and just because I am a lawful consumer I gave Santander a chance to conduct business if Santander believe the disinformation is inaccurate I suggest searching on the CFPB XXXX Santander consumer USA and there you will see all the fraud you have committed, now you can ask me if I am dissatisfied, your answer couldn't be more clear. nice doing business with you and XXXX bless you and can your company provide the consumer what he's requesting, and your problems will be solved if you feel confused of what documentation I am requesting you should look into your books. And if you feel confused, you should ask XXXX XXXX XXXX, and also just keep in mind in this contract I have an arbitration claw with XXXX XXXX XXXX not Santander consumer USA, those attachments will be under this description giving in this portal thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: VA

Complaint narrative:
In accordance with fair card it reporting act XXXX  those account has violated my right XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX  XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XXXX XXXX XXXX  ( Bank ) 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

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 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
Hello, on XX/XX/XXXX the joint checking account I hold with my wife at Valley National Bank ( XXXX, NJ ) was assessed a {$15.00} service charge. Although I get over {$1000.00} of direct deposit twice a month at Valley Bank, my balance at the end of XXXX was only {$1.00}. Since there was only {$1.00} in the account at the time of the service charge, my account balance went negative and my XXXX account statement reflected my balance as being in the red by {$14.00}. 

A few days into the month of XXXX, I logged into my online account and noticed the negative {$14.00} balance. As soon as I became aware of the negative balance, I called the XXXX number and spoke with a representative to learn more- I was not expecting a service charge, and I wanted to understand the service charge rules to avoid incurring these fees in future months. I also realized that I needed to quickly restore the negative balance, so on XX/XX/XXXX I transferred {$110.00} to the account from a savings account at a different bank. 

The representative explained that since my balance held less than {$100.00} on the last day of the month, the service charge was assessed. I informed her that I was immediately moving funds into the account so that the account would no longer reflect a negative balance and I also asked for and received a one-time courtesy waiver of the service charge. 

HOWEVER, THE ACCOUNT WAS ASSESSED A SECOND SERVICE CHARGE FOR {$15.00} ON XX/XX/XXXX. 

WHEN I CALLED THE XXXX NUMBER THIS TIME, THE REPRESENTATIVE EXPLAINED THAT IF AT ANY TIME DURING THE MONTH MY BALANCE FALLS BELOW {$100.00}, THE ACCOUNT WILL BE ASSESSED A SERVICE CHARGE. 

SO ESSENTIALLY, AS THE CALENDAR ROLLED MY NEGATIVE BALANCE ( THE ONLY REASON IT WAS NEGATIVE WAS DUE TO THE SERVICE CHARGE ) FROM XXXX TO XXXX, THE ACCOUNT WAS SET TO BE PENALIZED WITH A SECOND CONSECTUIVE MONTHLY SERVICE CHARGE. 

There was ABSOLUTELY NOTHING I could do to prevent this second charge from tacking to my account. 

I find this practice to be highly egregious and I would like to request a waiver of this second service charge, but more importantly, draw attention and raise awareness about this deceptively malicious bank service charge structure. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TN

Complaint narrative:
On ( XX/XX/2023 ) 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to dispute this information on my credit report. Day of first late payment is incorrect. Please delete from my credit report. This account is older than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I don't know who Genesis company is, or why this debt has appeared on my file. I had no debt after moving from XXXX and I do not know what debt this company is trying to collect on. This company has not notified me or contacted me regarding this debt or given me a chance to dispute it's validity, before putting a collection ( which is a negative mark that lowered my fico score ) on my file. 

There had been carpet damage that the renters insurance that I had, was willing to pay for and they contacted XXXX at XXXX XXXX to discuss it ( I also have email thread ) XXXX told them theres was nothing to bill for. XXXX told me that since they were renovating the unit and putting in hardwood floors, that nothing is due. Now, they are going back on that. So with that said, they need to deal with the insurance company however, I don't see how a building could charge for carpet when they've installed hardwood floors, so that's something to look in to by the insurance company. 

XXXX also received monies from the Housing Authority for any arrears before I moved out when my lease was up. I was not made aware of any monies owed at the time of my move out. Furthermore, XXXX XXXX XXXX had a Security deposit from me which to date, has never been returned. 

UDR which is the billing company for XXXX had been trying to bill me for something that insurance was trying to pay. Initially, XXXX said nothing was owed. The insurance company even contact them and was told this. I have proof in the form of email communication thread. I'd like to be able to include this in support of my complaint. My last correspondence was asking them to let me know any TRUE amount due after they worked out whatever they needed to with the insurance company and no onee ever got back to me. 
It is my belief that they were trying to charge me for carpet never installed but didnt want to have to prove that ti the insurance company. It is my belief that they are making false charges and this company named Genesis is trying to collect on those false charges on their behalf. The reason why I believe that these are false charges is because : 1. The property management XXXX told me that there would be no carpet charges because they were renovating the unit to hardwood floors 2. When the insurance person called to try and settle any charges, there was no outcome 3. They are trying to collect from me rather than the insurance company. 
4. They are doing bogus billing which is why they are trying to collect from me, rather than the insurance company, for something that the insurance stated that they would cover however, the building renovated to hardwood floors, no carpet and they are trying to charge me for carpet never installed. Had this been a true claim, they could have submitted for payment with the insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I WOULD LIKE TO DISPUTE INQUIRED IN MY CREDIT REPORT THAT YOU WERE MADE WITHOUT MY AUTHORIZATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2023-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: FinCo Services Inc DBA Current
State: OR

Complaint narrative:
My vehicle was broken into and among some of the items that were stolen when was my current prepaid debit card and I was within the cardholder agreement it's terms said if this type of issue arises and you report it in a certain time frame they will give you a charge back credit they denied my dispute I submitted a police report and the last thing I heard from them was they were not going to give me a charge back because I put money on the card which makes no sense you're supposed to put money on the car that's how you can use it please do something this is wrong and has financially set me back more than I care to go into.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I ordered a XXXX XXXX XXXX  from XXXX in the XXXX website using my XXXX for {$2100.00} on XXXX Friday of 2022 and athe store called me and wanted XXXX more on XXXX for shipping the electric bike so I signed up with XXXX through my bank and they said this person was trustworthy using XXXX after calling them to verify the emails for transaction and bike was supposedly shipped now. So I paid XXXX more through XXXX  next day I get a text from XXXX my money is being refunded for XXXX. So called store only to hear he has problems with XXXX and wanted the money through XXXX. So I sent him the money though XXXX after receiving the money from XXXX and actually never was sent a thing for XXXX that I was scammed for including shipping and deliveries and custom fees that were all through XXXX and I reported a regulation e to my bank and they denied any credit and let the scammer get off with my money and would give me a charge back. So I want to know if I can get my money back from the bank since they know which account it went to and won't help me or give me my money I've complained to everyone involved and with no recorse from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX my XXXX XXXX should've have been paid off when i traded it in. With my XXXX XXXX. The dealership did not pay off the XXXX XXXX i have paper work to prove they were suppose to pay off the XXXX XXXX. I reported the dealership to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for a year straight you can see before XX/XX/XXXX i was never late with my payments. 

Amount : {$13000.00} Date : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On ( XX/XX/2023 ) 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TX

Complaint narrative:
I recently checked my credit and saw that theres still a collection that i disputed a few moths ago that is violating some FCRA laws and should not be reporting in my credit. I'm now in search for a house and this collection is keeping me from getting better rates its affecting my credit please help me DELETE this negative remark. The collection that needs to be REMOVE will be listed below. 

XXXX, XXXX XXXX XXXX acct # : XXXX Amount : {$2000.00}. 


This account is in violation of 15 U.S. Code 1681e - Compliance procedures. 

PLEASE DELETE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) 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 aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was part of a class action lawsuit with Wells Fargo and I am entitled to a refund as part of 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
Consumer complaint received 2023-04-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX never did I ever lived at this location paid off the debt and was told if paid in full it would be deleted from credit report.. 

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX this account was sold or moved with out my notice during deployment from the us arm services and went over due. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Remarks Charged off as bad debt. Canceled by credit grantor. this was charged off with wrong dates and wrong name Still showing inaccurate information on my credit report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has placed a hold on a paycheck that I deposited through their mobile app for 14 days. They notified me via e-mail hours after check was deposited then accepted, that I wont have access to the check till 14 days hold is over. I can see the amount under transactions on hold in the mobile app. 

This is unacceptable as I need the funds ASAP, I usually get them through a direct deposit with my credit union. But I got a physical check this time and tried depositing it with Chase for the first time and got into this mess I have contacted Chase a couple of times and walked into a branch, but the emergency nature of needing the funds and not being able to wait for 14 days has this as my only option Date XXXX Amount {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is incorrect personal information on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-16 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: MO

Complaint narrative:
i called XXXX XXXX they stated they deleted my acct and sent it to credit agency to remove my acct is still reporting on my acct

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