vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Yamaha Motor Finance Corporation USA
State: FL

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$240.00} which has been debited from my bank account. 
This payment has not been applied as of today, XX/XX/XXXX I have made numerous calls to XXXX only to be told to check back in a few days I made an extra payment for the same amount on XX/XX/XXXX which has been applied but the payment that was debited on XXXX still has not been applied. 

I have also mailed a letter to XXXX XXXX on XX/XX/XXXX but still no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I sent a request for information/qualified written request letter to my purported loan servicer XXXX loan management servicing on XX/XX/XXXX in response to a letter I received dated XX/XX/XXXX. 

The address listed on the letter to send these types of correspondence is Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX, California XXXX However when I track my correspondence this address does not exist and my letter has been sent to another address in XXXX in which the mail has not been picked up in more than 5 days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I became a Wells Fargo customer after their acquisition of XXXX. With XXXX I had a savings account. After the transition to Wells Fargo, they begin deducting monthly fees until it put my checking account in overdraft after they depleted my savings of roughly a couple XXXX dollars. I became aware that they had fully depleted my small savings after my checking account went into overdraft. This was in approximately XXXX. I understand that they have been found liable of unscrupulous and unethical charges that violate consumer rights for actions during this period. I closed my bank account with Wells Fargo in roughly XXXX or XXXX, after I discovered what they had done but I still talk to this day about how horrible they are. If I am eligible for compensation for their actions, I want to partake in the class action suit, or be eligible for class action compensation.

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 2023-01-30 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I received an email from XXXX saying that my e statement account is now available for XXXX XXXX XXXX. 

I have not opened any account in the aforementioned bank. I have frozen my credit in all three major credit bureaus ( since this happened to me two years ago at XXXX XXXX and XXXX XXXX ). 

I am going to the nearest M & T Bank after work to show this email as well, but I also want to be able to tell them that I have lodged a complaint about it here. 

Please help me. 

Thank you!

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 2023-01-30 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: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
A fraudulent personal loan was opened under my name with wrong address. I requested HSBC to delete account # XXXX with a Balance of {$20000.00} and reported it as fraud but HSBC refused to do sure, and still with the help of the XXXX XXXX XXXX XXXX they are holding me XXXX and damaging my credit report. I submitted the Identity thief report and police report to both HSBC and XXXX but they refused to follow the law and still kept the incorrect information on my credit report. The fraudulent account mentioned above, was deleted from XXXX and XXXX, but XXXX refused to delete the account from my file after I disputed the account more than 10 times. XXXX would do whatever it takes to have the banks use them for their business needs, and it doesn't matter who gets hurt on the way. XXXX does not follow the law instead they are acting as if they are the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian, XXXX, XXXX XXXX all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have had several overdraft fees accumulated over the last XXXX  years of using Wells Fargo banking. I have notified them several times when there was money in my account and they have refused to fix 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 explanation
Consumer complaint received 2023-01-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I XXXX XXXX hear declare a dispute with Experian credit report I have no problem disputing a report it says it needs more information that it's already did a dispute I can not put in a dispute I've had this acount since XXXX on my credit I give Experian my dispute information for a credit reporting on my report that was negative that's making me hard to obtain credit from this account that was XXXX that has been paid off from XXXX XXXX XXXXXXXX XXXX XXXXXXXX further investigation XXXX XXXX has been paid off back in XXXX payed XXXX XXXX i would like this off my credit report. its not fair that a company hold me back in this time of high gas price and instest rate trying to rise my son and keep food on table. high taxes here in california

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 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo has insulated itself from being liable or accountable for fraud occurring on it's platform. Hackers are now able to hack into multiple platforms and steal passwords and phone numbers and Venmo has not taken reasonable action against these activities. 

On XX/XX/XXXX my Venmo account was comprised and hacked. 
I was notified that someone was trying to sign in on my Venmo Account by an email alert. 
I logged into my venmo account to find out that someone had added XXXX additional accounts to steal money from me from my bank account or to defraud others. 

I was able to delete all of the accounts, however when I attempted to close the account, Venmo made it very difficult. 

The account is now open and the password appears to have been changed along with the phone number for the XXXX. 

When I reported this to Venmo, I was sent useless information having nothing to do with the fraud attempt. 

Venmo has insulated itself from being liable or accountable for fraud occurring on it's platform

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Pentagon Federal Credit Union, erroneously and without my permission, transferred $ XXXX from my checking account to XXXX XXXX XXXX XXXX to pay for a credit card that an identity thief obtained from XXXX using my information. XXXX alleges that XXXX authorized the transfer, that XXXX is responsible for taking corrective action, and that XXXX is awaiting PFCU to continue with the correction process. Even though I contacted both PFCU and XXXX immediately upon learning of the erroneous debit/transfer, both XXXX and XXXX have shunted me off on one another, but neither have taken measures that effectively restore the $ XXXX to my checking account. Both PFCU and XXXX have practiced avoidance and neglect in addressing this matter. Both have abused me, and the abuse continues. If this abuse continues beyond XX/XX/2023, I will seek damages under the Federal laws applicable to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I filed for XXXX XXXX XXXX XXXX they sent me out a debit card in the mail I never received I got XXXX  XX/XX/2021 the card never got to me once I was XXXX  I contacted prepaid Bank of America I told I have not received my card and would like to file a claim I sent in police reports that were to the Bank of America and I also sent in proof that I was XXXX  to Bank of America I also sent them to the XXXX XXXX I called daily and nothing has been done its going on XXXX years no undate no answer my claim was denied I filed a claim again now stuck pending provision credits there been nothing getting resolved or updated claims number 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 monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
The card open up without my consent. This was an authorized card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
On or about XXXX of XXXX I saw an ad for a place called the XXXX XXXX. After requesting more information the Sales representative contacted me for a XXXX meeting. He discussed the services provided and a challenge I could sign up for. While the price seemed high thinking I would be getting a personal trainer and could help me get to my goals before an upcoming trip I signed up. There are mandatory check-in meetings that you get penalized for if you do not attend. I went to one Yoga class and the check-in meeting. At that meeting the coach said the opposite of the sales rep. They were not there to motivate you and help me reach my goals in the way it was presented to me. At that point I was no longer interested in the service and due to poor experiences with dealing with gyms in the past I contacted apple card support and disputed the charges. I have been asked to get a letter from a third party to help my claim which I did. I submitted multiple letters I wrote explaining the issue and trying to get this resolved. I have even filed a XXXX dispute with no resolution. The XXXX was closed as it's still under review making it seem it would get resolved. Then today I get an email saying they have reversed the credit again and applied the charge back to my account. This has been going on over a year at this point and would like it resolved once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MI

Complaint narrative:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ XXXX ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] [ all 3 credit bureaus ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX  XXXX XXXX XXXX ] Account Number : [ XXXX ] Reason : [ NEED THIS ACCOUNT REMOVED FROM MY PROFILE IT KEEP REAPPEARING. LOOKING TO BUY HOME SOON. ] By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this 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 2023-01-30 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: NY

Complaint narrative:
A fraudulent personal loan was opened under my name with wrong address. I requested XXXX to delete account # XXXX with a Balance of {$20000.00} and reported it as fraud but XXXX refused to do sure, and still with the help of the Experian credit reporting XXXX they are holding me XXXX and damaging my credit report. I submitted the Identity thief report and police report to both XXXX and Experian but they refused to follow the law and still kept the incorrect information on my credit report. The fraudulent account mentioned above, was deleted from XXXX and XXXX, but Experian refused to delete the account from my file after I disputed the account more than XXXX times. Experian would do whatever it takes to have the banks use them for their business needs, and it doesn't matter who gets hurt on the way. Experian does not follow the law instead they are acting as if they are the law.

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 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX XXXX  and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2023-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
on the following dates, someone used my social security number to attempt to to obtain accounts in my name. There were no accounts opened that I am aware of, but these inquiries were not authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I just learned about theseu inquiries on XX/XX/XXXX when I checked my credit because I wanted to purchase my first vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I paid off this debt by garnish of my wages through the XXXX XXXX department 6 years ago Original debt XX/XX/17 XXXX I paid XXXX I intrest!! 
This company is saying I owe XXXX Midland Credit Management Acct number listed on my letter XXXX I am XXXX XXXX XXXX This is unbelievable Please assist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX, XXXX, Trans union all in violation of Family Privacy Act of 1974, 15 US Code 1666B - billing error. Theres no law stating any transaction needs to be reported. I want to ask them about privacy and consent? 15USC1681 ( b ) States all ( 3 ) bureaus can't report anything on my credit report with out my written consent. Which I never gave. 15USC1681 ( c ) -1 Without written consent, It is identity theft. 15USC1681c-2 Once notified which they were they must remove from credit report. They've also been making a profit off of selling my information with out my consent. Violation of 15USC1611 inaccurate information. This is effecting my ability to live. Credit denials because of this information on all of the bureaus.

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