vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
The XXXX account with the account number XXXXwas marked as Charge-off with an identified balance of {$25000.00}. However, a charge-off account should have a {$0.00} balance so, my question is why does this account have a specific amount? Moreover, another error is found in the account 's " Payment history ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/2021 and so far the credit bureaus have not given me an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: MI

Complaint narrative:
I don't owe anything to ERC ( Original Creditor : XXXX XXXX ) with account number XXXX They should have confirmed this from the Original Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The letter I submitted on XX/XX/22 was specific about the incorrect addresses listed on my credit report, the response I got deleted XXXX and ignore the others. I also provided poof with my identity and address with a copy of my driver 's license and utility bill. When I pulled my XX/XX/22 report I still had several incorrect address listed. I told them in the letter I sent on XX/XX/22 I only wanted XXXX address on my credit report, the correct one I sent with proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
In 2XXXX, I did a consumer credit transaction with XXXX XXXX XXXX XXXX, a dealership in XXXX, and extended my credit through Santander USA. Recently, I have become aware that as the original creditor, who extended my credit, using my credit card ( SSN # ), pursuant to 15 USC 1602 ( L ). 
Pursuant to 15 USC 1605 ( a ) the finance charge, {$3400.00}, should be the sum of all charges. According to the billing error, my account was over charged {$9800.00}. See exhibit A from the dealership copy of their response when I notified them that they committed fraud against me, the consumer. This is completely inaccurate and unfair credit card practice and Santander is undeniably going against the TILA ( Truth In Lending Act ). 
Finally, I was never given the 2 forms of recission should I have wanted to cancel the loan, according to15 USC 1635 ( A ) ; REG Z 226.5 ( B ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: PA

Complaint narrative:
Hello, I got this letter from experian saying they won't reinvestigate but its nothing that needs investigating. The U.S department of education has been providing misleading information and attaching its bad payments on my consumer report. they say they are telling the truth and have " verified '' this account to be accurately reporting yet they can't be FACTUAL. If this was valid wouldn't the information in regards to account XXXX be reporting hard proof, information, dates etc? If they claim the information they are providing experian is to be true then WHY/HOW is it that they are reporting different information to different companies? attached are photos of my credit reports. DOTS are next to the misleading information .... such as the account status, date open, payment status etc. DELETE THIS " CLOSED '' ACCOUNTS THAT WERENT EVEN OPEN WITH MY CONSENT IN THE FIRST PLACE OFF MY REPORT. this account is reporting 100 accurate i see so many errors which is a FCRA violation. 

Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$18000.00} Account Name : US DEPT ED Account Number : XXXX Account was openedXXXX Account Balance : {$23000.00} Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$27000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: PA

Complaint narrative:
On XXXXXXXX XXXX, I sent a certified letter to AR Resources Inc to cease contacting me on a debit I did not owe. This past month, AR Resources has begun calling my cell number. I do not answer as it is from a " restricted '' number. A minute later, another call comes in and a voice mail is left for me to call them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX address is repeatedly reported as my current address, my XXXX XXXXXXXX is repeatedly reported as my " current '' & " prior '' address. The XXXX is my current address! They can't seem to understand what's accurate & what's not! 
XXXX. XXXX- they keep putting this on my credit report as " current employer ''. I don't work for this company! They are my auto lien holder only! I haven't applied for any credit that lists this as my " current '' employer! 
XXXX. XXXX XXXX XXXX XXXX XXXX - shows a balance owed when it was paid in full. 
XXXX. XXXX XXXX # XXXX - continues to show on my current credit report run XX/XX/22 that I " disputed '' this when I NEVER DID! I sent the notice of forebearance to update the acct. which went unacknowledged but still is reporting inaccurately as a " dispute '' by me numerous 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 non-monetary relief
Consumer complaint received 2022-02-26 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: PA

Complaint narrative:
Hello, I got this letter from experian saying they won't reinvestigate but its nothing that needs investigating. The U.S department of education has been providing misleading information and attaching its bad payments on my consumer report. they say they are telling the truth and have " verified '' this account to be accurately reporting yet they can't be FACTUAL. If this was valid wouldn't the information in regards to account XXXX be reporting hard proof, information, dates etc? If they claim the information they are providing experian is to be true then WHY/HOW is it that they are reporting different information to different companies? attached are photos of my credit reports. DOTS are next to the misleading information .... such as the account status, date open, payment status etc. DELETE THIS " CLOSED '' ACCOUNTS THAT WERENT EVEN OPEN WITH MY CONSENT IN THE FIRST PLACE OFF MY REPORT. this account is reporting 100 accurate i see so many errors which is a FCRA violation.

Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$18000.00} Account Name : US DEPT ED Account Number : XXXX Account was opened:XXXX Account Balance : {$23000.00} Account Name : US DEPT ED Account Number : XXXX Account was openedXXXX Account Balance : {$27000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/ 2021 and so far the credit bureaus have not given me an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: IN

Complaint narrative:
I have been disputing some errors and incorrect elements that are in my credit report since XX/XX/2021 and so far the credit bureaus have not given me an answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, he following accounts have violated my rights : Account name/ number XXXX , account # XXXX XXXX, account # XXXX XXXX, account # XXXX US DEPT ED, account # XXXX XXXX XXXX  XXXX  , account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX 15 U.S.C. 1681 Section 602 A Section 1 : 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 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 non-monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: VYSTAR CREDIT UNION
State: CA

Complaint narrative:
Several problems with mortgage company paying my XXXX XXXX and XXXX XXXX. Will not allow me to take over payments. I have sent an attachment which outlines the issues.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Army and Air Force Exchange Service
State: NJ

Complaint narrative:
Afees star card ... .has been taking my tax returns including stimulus and tax credits... formten years ... .form a XXXX limit... it took mine and my exhusbands two years straight ..over XXXX both years ... until we realized we had to file seperately... but his card... wasn't... even though it also never got paid ... but they don't take his return ... or his third stimulus... it's been over ten years ... I've been divorced for 4... he's been out of.XXXX for 6 ..and still... they keep taking everything..every year ... has to be almost XXXX ... by now

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: OH

Complaint narrative:
XXXX needs to be removed Immediately. I have attached a XXXX from XXXX stating it shouldnt be 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 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/2022 and XX/XX/2022 I made XXXX purchases on my Capital One Credit Card. These were deposits to XXXX French mountain huts for an upcoming summer hiking trip ( {$12.00} and {$21.00} ). These were not cash advances. I utilized a company called XXXX XXXX XXXX as the huts did not have the capability to take payment directly via credit card. In checking my online statement, Capital One treated each as a cash advance. I called them to ask them to remove the fee as in no case was this a cash advance. It was a deposit to secure lodging in XXXX. I called Capital One on XXXX the XXXX of XXXX and again on XXXX or XXXX  the XXXX or XXXX to attempt a resolution of this issue. They told me they would not be able to remove the fees and it is up to XXXX in how they classify the transaction. They mentioned the XXXX - XXXX XXXX XXXX. Capital One told me they are just the issuing bank and that they have no discretion in whether to issue the cash advance fee and they suggested I call XXXX. I contacted XXXX and they told me they have no control over how the transaction is classifed by the issuing bank or the credit card company, in this case XXXX. So the only resolution I obtained from XXXX is that they would provide a " gift card '' for the fees I paid to XXXX that I can use on a future XXXX transaction. This credit would be added to my XXXX account. To be clear, the transactions processed by XXXX were accurate and processed correctly. I am not disputes the {$12.00} and {$21.00} charges on my Capital One XXXX. Those are valid. My issue is with the XXXX separate {$10.00} cash advance fees that Capital One charged in conjunction with each transaction. I am unable to get resolution ( specifically the removal of {$20.00} total in cash advance fees that were charged ). Your assistance is appreciated in getting these fees removed. I went ahead and paid Capital One because I did not want any interest to accrue as Capital One is treating them as cash advances. I thank you for your review and am available to answer any questions you may have. Please see attachments, including my Capital One charges and online chats with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26 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: Block, Inc.
State: MI

Complaint narrative:
I received a Square Debit Card today ( XX/XX/26 ) that I did not apply for. It came under my name to my home address. The included info says it was issued by XXXX XXXX. I have tried several times to reach fraud support with no luck. I need this card closed out as fraudulent immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX Went to pay my Property Taxes {$5800.00} the money is in my account, the bank wont honor/approve the check- Called on XX/XX/XXXX that I am incurring over {$200.00} in fees by them not honoring this check and giving an approval code.. on the phone off and on for XXXX hours getting hung up on by the system, and the finally speaking to a woman who said " APPROVAL '' and then put me back in the system to be hung up on again. I consider this theft of my money. XXXX states there is no request in the system And after asking what I need to do, she put me on hold and then came back and changed her statement to say the amount seems suspicious and transferred me to consumer protection, on hold another XXXX minutes.. Then system hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I get daily emails from Kohl 's, mostly advertisements and sales related. The only emails I get from XXXX are the monthly statements and privacy notices. I was notified yesterday by my banking app that my credit score dropped XXXX points. I was alarmed and immediately set out to find out what account was delinquent ; it was my Kohl 's card, which I was under the impression had been paid. The Kohl 's app has a section that allows you to pay your Kohl 's card, which is how I usually pay. Every time I try to use the XXXX website, I get told my login is invalid or other error messages and have to reset my password or have the website email me my username, even though I have my login saved. I was trying to log in to see what happened with my account, and was told to call but not readily provided the number to call. I had to go back to the Kohl 's website to find a number to call. The person I spoke with at the call center pulled up my account and could not tell me why I was unable to log in, or provide my username, or explain why my previously scheduled payment went through. I had a screenshot taken during the day I paid, but did not have a screenshot or email confirmation number. She then was told by a supervisor that the website was down for an update and there was nothing more they could do for me at this time. I scheduled a new payment today and confirmed they were able to see it on their end, but they said there was nothing further they could do to help. I tried doing more research and found that amongst the daily emails I get, there was an email with the subject line 'Did you get a tax refund? ' - I had assumed it was advertising, so I hadn't read it previously. Upon opening it, in red letters it says Payment Required - never would I have guessed it was meant as a past due notice. I looked further back in the Kohls emails to see what I had received. I received statements from Kohl 's Card XX/XX/XXXX and XX/XX/XXXX with no emails in between. XX/XX/XXXX was the day the payment was due, which I thought I had already paid. There was no past due notice between XX/XX/XXXX and the statement sent on XX/XX/XXXX made no mention of the account being late or past due. I never received any letters other than advertising. After the phone call, I tried using the online chat and was told they could not help with anything other than removing a late fee- I don't care about the late fee, I care about my credit score that I've worked a decade to build!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX ATTENTION PEOPLE this website link is a XXXX XXXX XXXX pleases do not give them your personal information or if they ask for you to download a third party app called ( ANY DESK ) DO NOT DOWNLOAD they screen record all your personal information and login into your bank info XXXX XXXX etc They are pretending to be a XXXX XXXX support team and they are not THEY constantly update they contact number on their website every time they scam someone so far its been updated XXXX times or more please spread the word I got scammed out over more than XXXX XXXX XXXX these people behind this criminal act try to get this website blocked on all sites do what you have to do to report this website

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: PA

Complaint narrative:
Someone XXXX my XXXX  a few years ago when I was at a car wash and I see now that they have opened accounts using my information, I am a victum of identity fraud and i am XXXX off. I need my reports corrected 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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
An application was submitted and approved without my knowledge or involvement for a checking account in my name at Wells Fargo Bank on Saturday XXXX. I received a series of emails over a XXXX minute period documenting the the application and approval process. Upon receipt of the emails I immediately looked up the customer service phone number at Wells Fargo bank to address the newly opened account. The Wells Fargo Bank XXXX XXXX department did verify the account had been opened in my name. They informed me that the checking account was closed today and they will follow up via mail with the results of their investigation.

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