vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I XXXX XXXX XXXX made a final payment for the amount of {$16000.00} to Wells Fargo Auto for account ending in XXXX. Account XXXX is for a XXXX XXXX XXXX which to my knowledge has been paid in full based on the terms of the Loan Agreement. I have proof of the final payment and even the title of the vehicle which does not show any liens. I recently received a letter from Wells Fargo Auto indicating that the auto loan is past due and that they have the right to reposes the vehicle if I don't make a payment to bring my account up to date. Wells Fargo is also stating that they will report my account as delinquent to the appropriate credit bureaus. I am done dealing with an incompetent bank such as Wells Fargo and seek support from the CFPB for this matter. Please contact me with any questions you might have regarding this complaint, my cell phone number is XXXX. 

Thanks, 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 2021-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: OH

Complaint narrative:
Loancare is reporting payments as late every month. They are reporting this to credit bureaus and this has trashed my credit score and made it impossible for me to even get a credit card. Their reported information is not acurate as all of my payments have been made on time and well within the grace period. The bills we receive every month still have the same language as my original contract which states that payments aren't late until after the XXXX day of each month. My wife talked to Loancare on the phone and this issue was fixed in XXXX but they told her at that time that it would probably happen the next month also. They basically told my wife at that time that they would report it as late even if they were paid on the due date because it hadn't been processed on their end at that time. Basically this has happened every month since then so I have been dealing with this issue for 7 months. I have filed multiple disputes and sent the records of all my payments from my bank that showed when they received each payment. Recently they have since gone back in and marked me as being late for the 3 months and don't even show my XXXX payment. They are not applying my payments on time and then they are saying that I am late. This is costing me a lot of time and now money as any rates I might qualify for are going to be 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 explanation
Consumer complaint received 2021-06-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: MI

Complaint narrative:
Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, XXXX, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from XXXX about removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: MI

Complaint narrative:
Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, XXXX, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from XXXX about removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: MI

Complaint narrative:
Due to Covid-19 pandemic forbearance program regulations, the law states that no late payments are to be reported to the three financial credit reporting bureau during the Covid forbearance period. I have 30 day late payments on my report that I want removed because I was negatively impacted and a victim of Covid-19 and legally these late payments should not appear on my credit reports. I contacted the creditor, XXXX, in XX/XX/2021 about these payment was told that a request for removal would be submitted to a supervisor and that I would hear back. To this day, XX/XX/2021, the late payments have not been removed and I have not heard back from XXXX about removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
USAA is still reporting a credit card on my credit report that has already been paid off and closed. This account is old and should be removed from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To a supervisor that can help me, I am reaching out to you because I have submitted requests to these companies to remove inaccurate accounts from my reports and they have not responded to me. My letters were sent on XX/XX/2021 and I feel as if my situation has been ignored. After not receiving any correspondence back within 30 days I conducted my own research into the Fair Credit Reporting Act and found that Federal law requires companies involved with discrepancies of credit reports must respond within thirty ( 30 ) days ; at this point it has been almost 60 days ( 57 to be exact ). More specifically, Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please delete immediately delete these invalidated accounts from my report. This has caused me significant stress and am at I point where I am looking to implement litigation if they fail to remove these items. Last but not least, I was affected by the XXXX  data breach and this may be the result of the inaccurate items on my reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: RI

Complaint narrative:
Hi CAINE & WEINER ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: OR

Complaint narrative:
On XX/XX/2021, someone opened up a checking and savings account at my bank, in my name. They had my social security number, birth date, and name. Both accounts were then tied to my existing accounts, which would have allowed the thief to transfer funds, drain my accounts, then close their accounts, and steal my money. 
Thankfully, I was alerted to the issue on XX/XX/2021, by my credit and personal monitoring protection company, and I called the bank to discuss the issue. A complaint was started, then it went to an Online ID Theft team. The 2 fraudulent accounts were frozen. I am awaiting their investigation conclusion. They did tell me that this happens all the time, and there is really no way to stop it, when anyone can open an account online, without proof of ID. Also, they did not require the thief 's have any money in the accounts at the time of opening them. I the meantime, I am forwarding this information to you. 

All banking institutions should not allow accounts to be opened without having to show ID. And why don't you need a minimum amount to open an account. I had to have a minimum amount to open my accounts in person. This kind of theft is happening all the time, and can not be stopped when banking institutions allow for this kind of behavior. 

I have been the target of numerous pay day loan schemes also, so my information must be circulating on the dark web. I am not sure what to do, and how to stop all this. I have been told to file a police report once I get the investigation letter, then freeze my credit for 7 years.

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 2021-06-16 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021 and Several times prior to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: GA

Complaint narrative:
WestLake Financial is reporting a debt on my credit file that is erroneous. This debt has been paid, and they continue to report this debt and ding my credit. It is absolutely absurd that they continue to hurt my credit, even when it has been paid. I am requesting that they they fix this issue as I no longer owe this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I've tried to inquire about payments and the additional per diem interest charge on my account when the contact already calculated the finance charges. The loan amount on this is loan states {$10000.00} and I've made payment on or before the due date. But back in XX/XX/2019 the loan started getting problematic and the account started accurring per diem interest and due to the reversals of payments for corrections on Bridgecrest aka XXXX I was being charged double interest on this loan and the even though I made extra payments some because they deducted payment twice and others I made to apply to principal only the balance doenst seem to be correct and the principal only payments some are missing because upon reversal of payment it was applied to the interest because their system took payment as being late or not paid, so this account is totally incorrect and I have no idea at this time where my payment are being applied, despite the transaction history. You can see that majority of payment goes to interest. And Im not sure why Im being charged a per diem interest rate when the finance charges were already calculated in the loan amount. So I'm double paying on interest with per diem which shouldnt be on the account, and the already finance charges on the agreement. 
At this rate I will never be able to pay this loan off even in the allotted 66 months that also increased to 69. My payment are $ XXXX and payments started XX/XX/2019 to present but with additional payment which seem to be missing? Im not sure how they applied because the whole amount should be applied to principal but payment was reversed out there system and then applied as a regular payment and interest deducted. I cant get an accurate count on number of payments but I believe its somewhere between 28 or 30 maybe more because of reversals. I tried to contact Bridgecrest and have them audit the account and asked for explanation of the per diem interest but they keep insisting that the account is on tract. I asked why the per diem interest if the finance charges is already included, They tried to assure its the same thing finance charges and per diem interest which is nowhere on the contact that I agreed to. If you changed this is was in hopes that I would default on the loan or payments which has not been done on my part. So this is double finance charges so I wont be able to pay this loan off. I need assistance to get this account recalculated and remove the per diem interest since that should even be charged at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Wallace Management Company, LLC
State: MD

Complaint narrative:
This account was a included in my bankrupcy dated XXXX XXXX. It is showing on my credit report now as a new account, which I never applied for. I have advised the credit bureau of this many times and it remains on my report. I have no paper work to send on this account, because I did not apply for it. Please assist me in getting this off of my report.Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hey I was taken advantage of due to non-practical laws being broken due to LCRA by your company. This is causing financial injury. This destination of character. I can't get a job. I can't apply for credit. Hey I can't even get a loan due to this pandemic under this crisis. It bureaus hurt my ability to obtain credit. I sent in the letters on XX/XX/2021. Then I sent in the next letters on XX/XX/2021. They fail to send me a notice within 30 days. This is against 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