vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 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: OH

Complaint narrative:
I had an auto loan with XXXX XXXX XXXX  in XXXX. My mother was co signer on the loan. She died in XXXX. XXXX XXXX refused to send the car title at the end of the loan, saying that I owed numerous late fees in the amount of {$1000.00}. I disputed this. I dont know when, but XXXX XXXX was acquired by Wells Fargo XXXX I just found that out today. The whereabouts of the vehicle were always known to XXXX XXXX, I have maintained insurance on the car since Ive had it. They could have repossessed it at any time. The debt was charged off and sold to XXXX XXXX. The amount due is now {$3100.00}. I have tried to reason with XXXX in an effort to resolve this issue but they are insistent on trying to get the XXXX that I do not have. I have asked them to come and get the vehicle, I even volunteered to have it towed to them. They refused. I can not sell this car as I have no title. The jump from erroneous late fees of XXXX to XXXX is ridiculous and I am seeking a resolution to this problem. Can you help 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 2021-11-09 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: NV

Complaint narrative:
I reported an alleged XXXX XXXX credit card account to credit reporting bureau for investigation. After the merchant, XXXX XXXX XXXX, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any 1099C as required by law and refused Validate said debt pursuant to the FDCPA. 
The merchant, XXXX XXXX XXXX  has already received a tax credit for the full Charge off amount which then is supposed to be filed on my taxes as consumer income after being charged off. Said merchant refused to provide 1099C and the credit reporting bureau did not properly investigate this issue. The credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. The XXXX XXXX account the credit bureau is reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. Transactions  subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. Further, the credit reporting bureau continues to report late payments allegedly pursuant to my student loans on closed accounts. 
All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. The Credit Reporting Bureau is damaging my credit worthiness.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I applied for an Apple Card. My application for extension of credit was denied. This is a violation of ECOA 12 CFR 1002 I DO NOT agree with the company 's decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SF VAGO, LLC
State: TX

Complaint narrative:
Thursday, XX/XX/XXXX - That morning I was unable to find my car. I called 911 thinking it was stolen. Come to find out it was repossessed by XXXX XXXX  ( EMVLP , LLC ) I called my State Farm Bank and they informed me they are now with XXXX XXXX. I was never made aware of this change and they stopped my auto payment. Therefore I did not realize I was missing payment as it was never brought to my attention. The loan servicing agent said they do not leave a message by phone as it is an automated message and the mail was sent to my previous home address. I paid the full amount owed ( {$2000.00} ) the same date I was made aware ( XX/XX/21 ). I find it strange they were able to find my car at my new address and not mail the warning to the same address. I called my State Farm agent the same day XXXX and they requested me send them bank statements of my autopayment as they found it strange that the autopayment would stop with no warning. 

I gathered all this new information on XXXX ( State Farm Bank transferred to XXXX XXXX  ). Why did the autopayment suddenly stop. I went through the protocol and wired {$2000.00} to final retrieve my car the next day. 

I called XXXX XXXX  today XX/XX/21 and asked if they could send me the autopayment paperwork so I can properly fill out. 

I have never missed a payment and only have {$6700.00} left to pay. The funds were there but XXXX XXXX  ( EMVLP , LLC ) / State Farm stopped the auto payment with zero warning to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Debt Collector, AMERICAN EXPRESS closed my credit card due to non payment of an alleged debt. As a consumer, credit was extended to me through the use of my social security number that is linked to an account attached to the strawman XXXX XXXX that was issued to my parents at my birth. AMERICAN EXPRESS can not issue credit as banks do not have the power to do so. This credit transaction is already being paid for through my account at the treasury thus, I have open ended credit. Since this was a consumer credit transaction I should have received the proper disclosure form for rescission under the Truth In Lending Act in which AMERICAN EXPRESS did not disclose to me. That is a violation of 15 USC 1635. I also disputed this alleged debt and since it was in dispute AMERICAN EXPRESS was to return to me all payments that I have made to them in which they did not which violated 15 USC 1692h in the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: MD

Complaint narrative:
1. On or about XX/XX/21, I received the attached XX/XX/21 statement which clearly states : a. there was NO amount due b. the principal balance was {$760.00} c. the Amount Paid Ahead ( i.e. " excess payment amounts '' ) was {$500.00} d. I called Carmax on XX/XX/21 2. After several lengthy holds while the customer service agent discussed this matter with her supervisor, she finally returned to the phone and after another lengthy discussion, she agreed that the aforementioned " Amount Paid Ahead '', ( i.e. {$500.00} ) would be applied toward the Principal Balance ( or {$760.00} ), leaving a balance of {$260.00}, which I promised to pay, and did, by XX/XX/21. I did. 

3. On XX/XX/21, when I looked at my account, it showed my account balance was still more than {$500.00}, eventhough I had paid {$760.00} ( excess payment amount applied was {$500.00}, plus my direct payment of {$260.00} on XX/XX/21. 

4. CarMax is " taking '' my excess payment amounts '' by alleging that that {$500.00} was " posted '' to the XX/XX/21 and XX/XX/21 payments. This is a ludicrous and untenable position, since the statement shows no balance due. Those excess payment amounts are mine, not CarMax 's.

5. CarMax has engaged in fraudulent business practices, has, in effect, extracted a prepayment penalty, and is collecting excess finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
My identity was stolen early 2021. Someone used my SSN to file taxes with the IRS and started opening credit accounts. I began the process of making accounts with the three credit bureaus to initiate a security freeze. This process worked flawlessly with XXXX and XXXX. With Experian however, I found someone had already used my SSN to create a paid membership ( using a fraudulent credit card in my name ) with Experian and also registered a false address with them. I proved my identity and gained control of the membership, changed passwords, PIN and security questions, and established a security freeze. Several months later, as I was still dealing with fraud accounts due to my identity being stolen, I checked to see if the security freeze was still in place. It wasn't. I also noticed the fraudulent address was back on my credit report. Phone calls to Experian revealed someone other than myself had somehow logged in, changed the email address on file for me, and removed the security freeze. I again gained control of the account, changed password, PIN and security questions. Experian refuses to assure me that they will take steps to strengthen their security, so I'm stuck as an innocent consumer having to check my Experian account and security freeze daily to make sure they haven't allowed another individual to gain access.

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 2021-11-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
A couple weeks I received a voicemail from " Bank of America '' to call with an urgent business matter. I have been in communication with the real BoA so I did call, they stayed I owed {$710.00} and if I didn't pay they'd send me to collections. I told them I had paid. Then I realized it was fraud and hung up. I called the real BoA and they confirmed neither of those calls were from BoA. I blocked the number. I now receive a letter from fake " BoA '' staying that I owe {$710.00}. They want payment to XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX phone # XXXX. I am obviously not going to pay or reply.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MT

Complaint narrative:
Capitol One pulled a fast one with my original complaint... # XXXX. They knew the credit card I was referring to was the Cabela 's Club XXXX Mastercard but they went to an XXXX XXXX account on purpose. Nowhere in my original complaint did I ever member that credit card ever, They did this intentionally. 

How do I know? The collection agency they transferred my Cabela 's Club XXXX Mastercard account was the one they were assigned. Capitol One was devious and unprofessional with this effort telling you XXXX thing and me another wasting both of our time with this distraction from the essence om my original complaint. 

I want the reply to the Cabela 's Club XXXX Mastercard account which they cancelled many months ago. 

Yesterday I drove XXXX miles XXXX way to the XXXX 's store in XXXX to speak to the company to try to get the old account number but all I got was XXXX female customer service rep after another, I wasted my time and fuel to try an honest effort that failed. 

Please refer to my original complaint # XXXX that you closed after Capitol One gave you a huge lie in their XXXX XXXX reply, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I reported an alleged Capital one credit card account to credit reporting bureau for investigation. After the merchant, Capital One bank, erroneously reported 34 charge-offs On one credit card, Merchant refused to provide any 1099C as required by law and refused Validate said debt pursuant to the FDCPA. 
The merchant, Capital One bank has already received a tax credit for the full Charge off amount which then is supposed to be filed on my taxes as consumer income after being charged off. Said merchant refused to provide 1099C and the credit reporting bureau did not properly investigate this issue. The credit reporting bureau continues to illegally report late payments and credit utilization on my consumer report. The Capital one account the credit bureau is reporting is in violation of 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) which states that my " consumer report should not include Transactions or Experiences between the consumer and Person making report. Transactions subject to the foregoing include the line of credit extended to consumer by corporations and how it is used. This is being reported on my report by said credit bureau as " Payment history '' Experiences subject to the foregoing include the amount of credit being used by consumer. This is being reported on my credit report as " Credit utilization ''. Further, the credit reporting bureau continues to report late payments allegedly pursuant to my student loans on closed accounts.

All of the foregoing violations are subject to 15 USC 1692 ( k ) and said violations are preventing me from getting credit and approved for financing. The Credit Reporting Bureau is damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021 for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: AR

Complaint narrative:
I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian reported my XXXX account to be late 2, or 3 more times, when the account was not late 2, or 3 more times.

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 2021-11-09 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: Professional Credit Management, Inc
State: AR

Complaint narrative:
I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FIRST PORTFOLIO SERVICING INC
State: WA

Complaint narrative:
previously filed a complaint against vervent claim number XXXX and on XX/XX/XXXX i recieved a letter by email from a student loan servicing agency posing as first associates loans and when i called them they said they never had anything to do with vervent. Either they are trying to scam me, or vervent is a scam. It appears that they are related when i did research on line that they became vervent. Something is wierd. The phone number for this apparent fist associates loans is correct to reach someone, however the email and the address are not valid. I think this report that is on my XXXX report related to vervent, which i thought had something to do with first associate loans are related. I previously had a loan with first associates, but filed and had it dicharged in my bankruptcy. It is imperative that this be removed from my credit if they are related, this is not even a valid debt. I delt with first associates in the past and this company did not appear to be like they were before. They asked for my personal information to look me up and couldnt find me, then told me to call back later that maybe it was a glitch in their system. I asked to speak with a supervisor and they transferred me to someone who referred me to the email adress, so they could help me there. THese people have my personal information now, and couldnt even find me in their system and the guy was studdering alot. I think this is scam and it may be related to vervent. I havent heard from first associates in years and they are not on my credit. The last time i spoke with them i sent them my bankruptcy information and thought this was taken care of. It seems kind of strange that they would reach out to me within a few weeks of me bombarding vervent with phone calls and emails and not hearing back from anyone. Just to be clear, i have not heard back from vervent and i have filed with the attorneys general office as well as the federal trade commission and i will do the same with this. THis was my claim number with the XXXX They letter did not include amount owed or acct number and was written sincerely customer service. very vague letter.

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 2021-11-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
there's a debt on my credit report of {$2600.00} from XXXX XXXX XXXX opened on XX/XX/2021 that is not mine. I have contacted XXXX XXXX XXXX  many times to get this debt removed due to it being not my debt. I feel this is a fraudulent debt. XXXX XXXX XXXX did not contact me or gave me any validation letters about this debt. This debt is not mine and they will not let me dispute this with them. Due to this being fraud I want this removed as soon as possible.

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