vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Sunset Management, Inc
State: GA

Complaint narrative:
This loan with Sunset Finance was paid off {$110.00} check number XXXX in XX/XX/2022. It is still showing {$110.00} balance as of today on all credit reports. I have disputed it already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
1. I purchased a vehicle on XX/XX/2017, the lender was Santander 2. The loan terms are : {$17000.00} XXXX months 21.55 % APR XXXX. I have noticed my principle balance has failed to reduce to level that would allow for the loan to paid off at the end of XXXX  months. 

4. I have requested an amortization schedule from lender Santander several time but they fail to produce one. I was not given an amortization schedule when I singed the loan. 

5. I have only been given a payment history that shows the principal payments are erratic and low, even as the payment shave progressed now into the XXXX year of the 6 year loan. I was never given any terms surrounding a balloon Thank you payment due at the end of 72 months. 

6. I have been consistent with making my monthly payments on time XXXX. It appears there will be an enormous sum due ( several XXXX dollars ) at the end of XXXX months. I have paid off other vehicles before and have never encountered this type issue, uncooperative response from the lender, or potential predatory practice. 

8. I am requesting for this to be investigated and remediated, with my principal balance to be adjusted accordingly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am a victim of identity theft and there are several fraudulent accounts that continue to report on my credit file. I have requested validation as well as verification from XXXX and they refuse to provide. I have attached my identity theft report to this file as well to remedy these inaccuracies as they are Also, XXXX and the data furnishers have violated my rights per the following, 15USC 1681 Section 602, 15 USC 1681 Section 604 and 15 USC 1666B.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: World Acceptance Corporation
State: TX

Complaint narrative:
I am a victim of identity theft and there are several fraudulent accounts that continue to report on my credit file. I have requested validation as well as verification from XXXX and they refuse to provide. I have attached my identity theft report to this file as well to remedy these inaccuracies as they are Also, XXXX and the data furnishers have violated my rights per the following, 15USC 1681 Section 602, 15 USC 1681 Section 604 and 15 USC 1666B.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The company is basically saying that the information is accurate on my report when there are unauthorized charges that I never authorized so I'm putting in another dispute. According to the Fair Act Crediting Law if someone is a victim of identity theft and they're reaching out to the bureau 's regarding unauthorized charges the information should be removed. XXXX XXXX Bank opened my dispute XX/XX/XXXX and got a response back it was accurate and its not. XXXX XXXXXXXX opened XX/XX/XXXX also stating it is accurate, and that is incorrect. Lastly XXXX XXXX, I did not authorized or applied for these credit cards and loans and again would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The company is basically saying that the information is accurate on my report when there are unauthorized charges that I never authorized so I'm putting in another dispute. According to the Fair Act Crediting Law if someone is a victim of identity theft and they're reaching out to the bureau 's regarding unauthorized charges the information should be removed. XXXX XXXX Bank opened my dispute XX/XX/XXXX and got a response back it was accurate and its not. XXXX XXXXXXXX opened XX/XX/XXXX also stating it is accurate, and that is incorrect. Lastly XXXX XXXX, I did not authorized or applied for these credit cards and loans and again would like it removed.

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 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I was under a trial modification agreement with Chase Home mortgage. I received assistance from NCHAF to pay the outstanding late balance and the XXXX, XXXX and XXXX payments. Chase was mailed 2 checks on XX/XX/XXXX and they have not applied these checks to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-07-26 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2022 I purchased a computer XXXX from XXXX. On XX/XX/XXXX it was marked " Signed for by someone at the front desk/receptionist. '' and marked delivered. The problem is it was shipped to my private residence. Which has no front desk or receptionist, nor is it a gated community. It is a single family home. After trying to work with XXXX for a refund they refused so I issued a dispute with my Wells Fargo XXXX XXXX card. This is after XXXX had not problem refunding me for another package for a lesser amount marked delivered in the same way on the same day. 

I spoke with the Wells Fargo representative that told me since XXXX failed to collect a signature from me, this would be a simple dispute. Fast forward to last week Wells Fargo called me to tell me my dispute is denied. They said XXXX provided proof it was delivered. I asked for what proof as there was no one home, no photo taken as XXXX usually does, no signature provided. They told me the proof was the delivery driver said it was delivered and to contact the police or the Attorney General. This makes no sense? They will blindly accept XXXX  word over protecting their customers? 

XXXX has informed me they issued a refund to Wells Fargo in XXXX, and that it is now their responsibility. Wells Fargo claims they provided proof and now I do not have my XXXX or the XXXX $ I paid for it.

I went through all the hoops XXXX asked for, even providing police ( Sheriff in my case ) reports they claimed to require for refund, until they finally demanded an online link to the report as my copy was not good enough, but the Sheriff does not have an online system for reports. I have provided all of this to Wells Fargo.

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 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HIGHLANDS RESIDENTIAL MORTGAGE
State: TX

Complaint narrative:
Highlands Mortgage Servicing department is refusing to remove escrow from my loan. Highlands uses misinformation and unethical delay tactics to continue to deny the removal of escrow from my loan XXXX. 

I have given them signed written and verbal instructions to remove escrow from my loan, yet they continue to deny the removal. 

Highlands even lied on CFPB complaint XXXX saying that my loan was transferred to another servicer when the loan I am asking about is serviced directly by highlands. 

I have had written correspondence with : XXXX XXXX XXXX XXXX XXXX XXXX I have also called XXXX XXXX about this matter as well. 

All correspondence goes nowhere - Highlands is needlessly delaying the removal of escrow from my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
My business debit card from my Wells Fargo account was used as fraud. Wells Fargo contacted me to let me know of the first charge in my account which was {$1500.00}. They were able to credit back my account for this amount, but then there was an additional charge at the same merchant in the amount of {$1600.00} in a matter of 10 mins from the other charge. 
The Wells Fargo representative saw this, and immediately closed my debit card as they saw this as being fraud, and sent me a new card ( that I received 5 days later ) In the meantime I was patiently waiting for the {$1600.00} to also be credited back to my account, and when it wasnt I called back to find out what was going on, and they decided to file a new claim. They temporarily credited back my account {$1600.00} and a few days later I received a letter in the mail from Wells Fargo saying that this charge was not fraud, and the purchase was made by me or someone I know. The {$1600.00} provisional credit was then placed back on my account as a charge. 
After countless calls to the claims department as well as a visit to a local Branch to complain about this situation and ask for my money to be returned, Wells Fargo is claiming that the person who charged the card had the security chip which means it was not possible for it to be fraud and therefore the purchase had to be by me or someone I know. 
I have never let anyone borrow my card and I never made the purchase they are claiming I made. They will not refund my account, and they have not been able to help me. Their response is my hands are tied, XXXX cant help you and no one above me can help you either. 
They are blaming me for this and Im in complete shock that it was this easy for someone to steal that much money from my account and theres nothing that I can do about it. I feel like my money is unsafe being stored in a Wells Fargo account at this point, and I dont know what to do. Please help!

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 2022-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX XXXX, I received a very harsh demanding letter from the PNC Insurance Department which was dated XXXX. The letter stated there was a lapse in coverage from XXXX to XXXX. I dont agree with you on this matter. My old insurance policy ( XXXX ) was canceled at XXXX PM XXXX XXXX and my new insurance policy ( XXXX ) went into effect XXXX AM XXXX XXXX. If you call, one minute a lapse time to get {$14.00} I can't believe that PNC company is that desperate. Also, on the letter that I received you show a coverage amount of {$35000.00} not sure where that amount comes from. 
My understanding is that the definition of a day is a period of twenty-four hours as a unit of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Profit Services Group
State: GA

Complaint narrative:
My identity was stolen me and my family will be facing homelessness due to identity theft please remove these fraudulent account i am the head of household my family depends on me and i really need this matter taken seriously i reached out to the debtors directly and not given any response to this matter companies listed below are reporting accounts obtained thru identity theft profit services group XXXX XXXX XXXX XXXX XXXX XXXX XXXX systems I HAVE THE IDENTITY THEFT REPORTS 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 2022-07-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
There is XXXX debt owed to XXXX XXXX XXXX XXXX. ( The " Defendant '' has changed their name 4 times in attempts to commit blatant fraud ). JUDGEMENT was XX/XX/XXXX and was PAID IN FULL XX/XX/XXXX via XXXX XXXX. all evidence attached. XXXX retaliated AFTER FINAL JUDGEMENT and submitted a FALSE and FRAUDULENT " bill '' to Collection AFTER XX/XX/XXXX. There were NO DAMAGES as they indicate. ( Evidence submitted here and to Court, document dated XX/XX/XXXX which proves that XXXX handed over rental property to myself in complete disarray and full of damages, as noted in detail by renter, myself. These damage, as per " FAKE BILL '' submitted XXXX is totally fabricated as these damages done BEFORE I moved in. This bill is FRAUD and made-up in complete retaliation. CEASE AND DESIST and REMOVE FROM MY CREDIT IMMEDIATELY. There was rent due ONLY which was PAID IN FULL as per attached, yet they put in the rent yet again onto this invoice to collection. SUM PAID IN FULL

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company is TransUnion. We tried to apply for a lease with XXXX. They use this service. We were told that we couldn't get the lease because TransUnion said we had no credit history. This is not true. I logged on to their website. The only information available were for accounts and mortgages we had paid off. There was no detail. There was no history of our credit card payments which is excellent. We have XXXX XXXX XXXX via XXXX. You have to have at least a XXXX credit rating to get the cards. 

There were no details about the mortgages we have had - always paid on time. We feel as if we are being punished for paying off debt. 

This company is painfully lacking information that should be the credit reports. 

Terrible!!!

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 2022-07-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was told that such inquiries would be soft inquiries not hard inquiries. However, my credit report shows otherwise. 

Inquiry : XXXX XXXX XXXXDate of Inquiry : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXX of XXXX : XXXX Inquiry : XXXXDate of Inquiry : XXXX Inquiry : XXXX XXXXDate of Inquiry : 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 2022-07-26 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681. Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Have violated my rights. 
15 U.S.C. 1681 section 602A - states that I have the right to privacy.

15 U.S.C. 1681section 604A section 2 - states that a Consumer Reporting Agency CAN NOT furnish an account without my written instruction.

15 U.S.C. 1681c- ( a ) ( 5 ) Exclusions - states that No Consumer Reporting agency may make any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s- 2 ( A ) ( 1 ) - a person shall not furnish any information relating to a consumer if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation
State: WA

Complaint narrative:
Violation of Appraiser Independence - TILA XXXX Real estate agent and mortgage lender attempted to influence the appraisal selection process of the VA. 
On or about... 
XX/XX/2022 : recevied order from VA. 
XX/XX/2022 : emailed listing agent for access/appointment to see property. 
XX/XX/2022 : email sent from loan officer to the VA indicating they received an addendum not allowing me ( Certified Res. Appraiser ) on the property to be appraised. Addendum was forwared to VA. Loan officer requested a reassignment to another appraiser. 
XX/XX/2022 : VA refused the request. 
XX/XX/2022 : filed a complaint with WA DOL Real Estate Section. 
XX/XX/2022 : WA DOL will not investigate further.

Attached : -PDF of VA communications portal showing copy/paste of email from loan officer and VA.

-PDF of Loan officer licensing/contact info.

-PDF of Real Estate Agent licensing/contacXXXX info.

Company response to consumer: Closed with explanation