vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2024 My vehicle was repossessed. I was told by the bank that the vehicle was repossessed due to late payments, granted my payments were slightly behind but I was also told that my payments must be 92 days behind before a repossession will be put out on my vehicle. 2 months ago I spoke with the bank and made an agreement to pay {$5.00} to {$600.00} a month and tell the payments were caught up I made those payments in the following months. I received a promotion on my job and because of that my payment this month would have been able to allow me to pay off the balance.At the time of repossession my payments were exactly 91 days behind and in the midst of this this is the same day that I was going to call the bank to pay the past due balance because I had just received my paycheck. After the vehicle was repossessed they then required that I pay additional fees of late fees to redeem the vehicle along with the past few balance and tow fees. I am willing to pay my past due balance and the tow fees but at this time I am not able to pay the balance of the late fees. if I would have paid the balance past due on that day My vehicle would not have been repossessed because I would not have been 92 days past due I will agree to make a payment arrangement on automatic payments if necessary to pay the late fees I also informed the bank that I just received a new position on my job that requires me to travel for my promotion and that I have an elderly father that does not live near me that I have to take care of due to the passing of my mother XXXX years ago

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in months that are reported late to be removed. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account 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 explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting 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:
Please block and remove these inaccurate accounts being reported on my credit report. This must be done 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 explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I received a promotional offer in the mail. 
XXXX check said 0 % good till XX/XX/XXXX and the other check was for 1.99 % good till XX/XX/XXXX. The checks had to be used prior to XX/XX/XXXX. The check page stated, the standard fee for balance transfers is either {$5.00} or 5 % of the amount of each transaction. The other page stated there is a {$5.00} or 5 % fee whichever is greater for balance transfer. 
The check page made it appear the fee was for balance transfers. I called Chase Credit Card and said I am not doing a balance transfer, it is for a new Heat pump unit, is there a fee for that type of transaction, she said No. The promo should stated There is a {$5.00} fee or 5 % fee for using these checks!! Its misleading and customer service validated no fee! They say their calls are recorded so I have proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I made an online payment on XX/XX/XXXX from my Capital One checking account to my XXXX credit card managed by Capital One XXXX I received notification dated XX/XX/XXXX that my payment was returned, account closed. Knowing that my account was open with sufficient funds, I called Capital One Bank and proceeded to explain the situation for over 50 minutes. I was transferred from the Bank to the credit card department, where I was told that I had to call back tomorrow to have my fee reversed. finally speaking with a supervisor. I stated that I had an account that was closed by Capital One, but my new accounts were in good standing, and I have never had a problem in making a payment to any credit card or financial institutions, and that the closed checking account from XXXX doesn't even appear on my list of accounts. I was told by the supervisor that such a statement was " my opinion, '' when in fact, it is the truth. They told me I needed to call back to have the late fee reversed, and I said that was unacceptable, particularly given my 53 minute phone call today. I angrily ended the call, admittedly in my anger and frustration, using a curse word.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently discovered three debt items on my credit report from WFXXXX CARD, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to WFXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from WFXXXX CARD regarding my dispute. This failure to respond violates my federal rights under the FDCPA.

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 2024-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Momnt Technologies, Inc.
State: GA

Complaint narrative:
A salesman came to my house selling a bathroom remodel. Basically, his company would provide me with a new bathroom. However, he stated once my husband and I talked it over and not comfortable with the options we could reach out to him in 3 days and cancel. The next day a gentleman came to our house to go over the project of remodeling the shower only and he explained we had to pay for vanity, flooring and facets. In other words, we would pay {$11000.00} for a shower and I said no thank you. I called the salesman, and he said that I was going to make him look bad because I decided to cancel this project. I explain to this salesman that I thought we were getting more than just a shower upgrade and that I did not think this project was worth {$14000.00} with taxes. After that I started receiving threatening calls and emails from Momnt that I owe them money for a bathroom/shower installation. I've reached out to the XXXX XXXX XXXX  and other agencies to help clear this matter up and since XX/XX/year> to no avail. Momnt has continued to harass me since the contractor took out a loan with them and trying to get me to pay for it. I DO NOT HAVE A REMODELED SHOWER OR BATHROOM. I will not pay for a remodeled shower/bathroom I do not have installed in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I noticed on my credit report unauthorized accounts that I did not approve or recognize. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I noticed on my credit report unauthorized accounts that I did not approve or recognize. Please remove 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 non-monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/2024 I out and noticed I couldn't use mt debit card. I went to the bank to next day and asked why I was having this problem, because I previously had XXXXXXXX XXXX XXXX in my account. The bank XXXX XXXX informed me that XXXX XXXX took out an unauthorized charge of XXXX from my business bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed my account on XXXX XXXX and they stated I closed my account on XXXX XXXX and they stated I had a XXXX balance and a XXXX liability. I explained this information to bank and they opened an unauthorized debit or incorrect debit written statement, because I never gave XXXX permission to debit my bank account XXXX. Furthermore, XXXX closed my account then debited my bank account after my XXXX account was closed and the bank teller told me XXXX has not authority to debit my bank account after the account was closed. XXXX broke the law and its fraud for taking my funds and stating I had a XXXXXXXX XXXX, but XXXX still debited my account. I am willing to press charges on XXXX for fraud and theft.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is being reported different and incorrected on al the credit bureau , on transuion the above accout is beig reported as last active on XX/XX/XXXX and and of last payment on XX/XX/XXXXXXXX XXXX XXXX  its last active date is being report as XX/XX/XXXX and a last payment date on XX/XX/XXXXXXXX XXXX XXXX is reporting a last payment date on XX/XX/XXXX and a llast active date on XX/XX/XXXX and all the above is hurting my chances of getting a loan

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX  is being reported different and incorrected on al the credit bureau , on XXXX the above accout is beig reported as last active on XX/XX/XXXX and and of last payment on XX/XX/XXXXXXXX XXXX XXXX its last active date is being report as XX/XX/XXXX and a last payment date on XX/XX/XXXX and equifax is reporting a last payment date on XX/XX/XXXX and a llast active date on XX/XX/XXXX and all the above is hurting my chances of getting a loan

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is being reported different and incorrected on al the credit bureau XXXX on XXXXXXXX  the above accout is beig reported as last active on XX/XX/XXXX and and of last payment on XX/XX/XXXX and experians its last active date is being report as XX/XX/XXXX and a last payment date on XX/XX/XXXXXXXX XXXX XXXX is reporting a last payment date on XX/XX/XXXX and a llast active date on XX/XX/XXXX and all the above is hurting my chances of getting a loan

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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inacurrate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Hello, I wanted to go shopping today ( XX/XX/year> ) as I enjoy buying jewelry for myself. I had reserved and planned to pay for a XXXX in cash {$21000.00} and wanted {$6000.00} extra in case I wanted to buy something as my debit only has a XXXXXXXX XXXX This was not my first time doing this as in my statement Ive been buying jewelry at XXXX XXXX. The request cash I had asked for was {$27000.00}. After this someone in the Citibank fraud department called me saying they were going to close my account and is in need for investigation. As an XXXX XXXX  who only has 1 bank, its pretty terrifying knowing that I cant use it and it has been my main source of payments. This is the first time something like this has happened and I have been a loyal customer for 4 years now. 

If Im being truly honest, I believe the teller profiled me thinking I had a business but I am just an XXXX XXXX residing in NY for education. I dont know why I was flagged for this was told to me by my other international friends that visiting a bank teller would be the easiest way to pay for high price purchases. 

As I visiting a local bank teller in NY, i had requested for cash and shown details about my purchase and had mentioned all remaining money will be sent back into my checkings account. I had decided to want to pay cash at the store as I had thought going to a bank teller would be the easiest way possible to confirm my identity as I brought my passport and ID. 

As I was waiting in the bank, the teller put me on the phone with the fraud department asking where I receive my funds and why I do. I understand that this is protocol but if you check thoroughly in my history, I have been receiving funds from mostly 1-2 people which are my family members sending me allowance here and tuition. 

I have been banking with only citibank since arriving here in the states and it is my one and only source of spending money. 

Looking forward to hearing from you, 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 2024-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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