vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
XXXX Collections is sending me to collections for an account for Discount Tire. I have never ever had these accounts or applied for any accounts with either of these companies. I have tried to dispute multiple times through the credit bureau but because the company says they are valid they listen. These are fraudulent charges and created by someone else or they are billing the incorrect person. They do not and should not have my information attached to anything and they will not remove it from 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 explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
I am a XXXX XXXX XXXXXXXX XXXX XXXX  that needs your help against XXXX XXXX XXXXXXXX, who conducted an illegal XXXX interest rate transaction, then sold this illegal transaction to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, file # XXXX, Who the sold this illegal XXXX  interest rate account to XXXX XXXX XXXX Debt Recovery SolutionsXXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX. 
Several illegal usury lawsuits were filed against many of these payday lenders and others in XXXX  by various state attorney generals. I paid these people $ over {$2600.00} in XXXX  over a {$2600.00} they still say that I owe them {$4300.00} Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American First Finance, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I disputed the account with American First Finance. As I looked over the documents I noticed that I was never provided the legal disclosures such as the Truth in Lending disclosures and others. By law, American First Finance is required to provide that to me. I am now requesting this account be deleted from my credit reports due to the many violations of the FCRA, Truth In Lending Act and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Experian membership services User name : XXXX Password : XXXX XXXX When I signed up for services in XXXX I was granting a charge for {$1.00} to access credit report.i was unaware I was being enrolled in a monthly subscription for {$26.00} this amount was billed to my account the first week of XXXX and the last week of XXXX then again last week of XXXX I have cancelled the services as of XX/XX/XXXX upon discovering charges but am unable to receive a refund. I never authorized a monthly subscription only the {$1.00} charge. Id like to have the XXXX months worth of billing refunded back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/22 I received a letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX demanding that I pay on debt that is based on fraud. I've requested proof of contract, proof of their books and accounting stating proof of lost, equal consideration, and proof of my financial obligation to pay. neither of which was provided. As of XX/XX/XXXX, more letters are being received as threats to potentially reposes my property. Violation 15 USC 1692 ( D ) It is to my knowledge that 15 USC 6802 I was supposed to be given the right to opt out of my Nonpublic personal information being sold to nonaffiliated third parties which was not done and is a violation of {$1000.00}.

15 USC 1602 ( p ) unauthorized used to which I received NO BENEFIT. and 15 USC 1692 ( G ) as collections are still being reported during disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: States Recovery Systems, Inc.
State: OR

Complaint narrative:
The XXXX XXXX XXXX XXXX  hired a debt collector to collect {$5500.00} for a move that never happened. All communication between us was by phone call and text. On XX/XX/XXXX I agreed to pay {$5000.00} for them to move boxes from a XXXX storage unit in XXXX XXXX XXXX XXXX to XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX I let them charge {$150.00} to my credit card for deposit. On XX/XX/XXXX I got several messages and a phone call from XXXX telling me they denied charges attempted by The XXXX XXXX : {$4900.00} ( more than was owed ) by XXXX, then {$2300.00} by XXXX, then {$1500.00} by XXXX and then XXXX {$1500.00}. I was shocked and a little scared. I called and cancelled the move. I was told that I was still going to be charged because I didn't give 14 days notice ( there were 13 days left. ) I was threatened with " substantial costs '' including hotel costs, airfare, and the wages of 3 men. For context they were being asked to transport boxes. It took 2 men 34 minutes to unload the same boxes from their truck and into storage. The debt they are attempting to collect says the move was to cost {$5500.00} instead of {$5.00} and it includes {$78.00} in interest, crediting my {$150.00} deposit they are trying to collect {$5500.00}. 
I have all of their text messages to verify all the information I have given you. I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Westlake Services, LLC
State: PA

Complaint narrative:
I did not authorize for my credit to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: PA

Complaint narrative:
I did not authorize for my credit to be reported

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
XXXX is reporting an account that is not my account from TD Banks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I have had a mortgage since XXXX. The loan has been handled by multiple servicers due to the discretion of mortgage companies to sell the loan at their discretion. Since the purchase of my home, the loan has been serviced by XXXX XXXXXXXX XXXX XXXX XXXX XXXX AmeriHome Mortgage and most recently XXXX XXXX 

While I was being serviced by AmeriHome, I made mostly online payments. The XX/XX/XXXX online payment seemed to have an error in processing ( payment was made XXXX ) that I was not made aware of until the XXXX billing statement was received. Upon learning that the XXXX payment didn't process, I immediately processed the payment online AND paid the XX/XX/XXXX payment. There was no issue with lack of funds. I submitted an online payment request in XXXX and moved on as I have done for several months. 

I learned in late XXXX that AmeriHome reported to XXXX a late payment on the mortgage ( the only XXXX since XXXX ). Subsequently, that XXXX late payment due to a technical issue with the AmeriHome online payment platform and NOT an inability to pay caused me to experience a XXXX XXXX XXXX in my XXXX XXXX, reducing my score from XXXX down to XXXX. I have contacted AmeriHome via telephone on numerous occasions in XXXX without success. I was notified in late XX/XX/XXXX that my loan was being sold to XXXX XXXX 

I feel like this action of AmerHome to drastically reduce my XXXX XXXX based on XXXX late payment and then sell the loan to another company XXXX day later was predatory and has cause me undue harm in my financial profile. A XXXX point decrease in my XXXX XXXX dropped me from the " very good '' to " fair '' tier with XXXX action. 

This situation does not accurately reflect my payment history, my credit management history and has placed me in a position of being perceived to be a credit risk unnecessarily. 

I am also extremely disappointed with AmeriHome 's unwillingness to even address this issue with me as a customer. I feel as though I experienced undue harm to my financial reputation due to no fault of my own and have had XXXX XXXX of recourse with AmeriHome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/2022 {$530.00} of my Wells Fargo XXXX were wrongly pulled and processed during an attempt to purchase a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I received a Wells Fargo a Rewards confirmation email with wrong confirmation XXXX  that is not associated with XXXX XXXX XXXX XXXXXXXX. I called the company directly. I attempted to use my Wells Fargo XXXX XXXX XXXX via XXXX. The transaction did not process appropriately and seemed wrong. So, I contacted XXXX XXXX XXXX XXXXXXXX and they did not have confirmation of an order from me. I called Wells Fargo to report the transaction. I called XXXX to report as well. XXXX reported that Wells Fargo had stopped/halted all payments ( credit and Rewards ) before either could be processed on XXXX side XXXX My credit card has been credited, however, the Rewards team refuses to refund my {$530.00} in rewards. I have sat on phone calls with Wells Fargo Rewards multiple days for several hours a time. They tell me to call XXXX and refuse to listen to the fact that I have had extensive conversations with XXXX. The funds are not with XXXX. They tell me to contact XXXX. This company was not associated with the transaction in any way. XXXX my customer portal at XXXX there are XXXX transactions recorded because Wells Fargo canceled the transactions immediately. When I work my way through Wells Fargo XXXX customer support I have been hung up on and transferred to departments that can not help me outside of Rewards and am forced to start the process from the very beginning. They are giving me the run around in hopes that I will give up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act Capital One Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Comerica
State: CT

Complaint narrative:
Someone opened an account in my name and address with Comerica Bank. I received XXXX statements with a XXXX balance. Knowing I had not tried to open any bank accounts I thought it was a mistake but when I received a second statement still with a XXXX balance, I called Comerica and the rep, XXXX, told me it was opened on XX/XX/22 and closed on XX/XX/22 after they discovered it was a fraud attempt. They suggested I report the fraud incident.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, I went into PNC Bank to let them know I was selling my home and the lien they have on my home needed to be released. The loan in question had a XXXX balance and had not been used in years. 

After contacting PNC Bank Customer Service numerous times via phone and in-person, contradicting information was given to me during each conversation. On XX/XX/XXXX, I received an in process letter from PNC indicating the appropriate mortgage documentation has been or will be sent to the County to release the lien on my home. 

As of XX/XX/XXXX, the XXXX County Clerk of the Court indicates the documents have not been recieved and the lien therefore has not been released. 

Our interactions with PNC Bank have been difficult and contractictory. All the representatives we have interacted with at PNC BANK have been unprofessional and inept.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I reviewed my Experian Credit report and noticed that their were unauthorized Inquiries being reported. I wrote to Experian via certified mail on XX/XX/XXXX and requested that they investigate these unauthorized inquiries. 

Experian received this dispute on XX/XX/XXXX. They did not respond. 

I wrote to them a second time via certified mail, with my letter dated XX/XX/XXXX. They received this letter on XX/XX/XXXX. 

As of to this date, XX/XX/XXXX, I have yet to hear anything from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: First Technology Federal Credit Union
State: CO

Complaint narrative:
I had opened a checking and savings account at First Tech Federal Credit Union. After a few months of " inactivity '' the credit union began charging me {$5.00} per month as " inactivity fee. '' When I logged back into my account, I found that my balance had decreased substantially due to the " inactivity fees '' a total of {$50.00}. 

I called First Tech and asked for a refund, but they refused.

I find that First Tech 's policy is XXXX  to theft. They have no right to take borrowed money from me and appropriate it to themselves simply because it sits in their institution. Isn't the point of banking to lend money to the institution and leave it there?

I opened an account with First Tech thinking that it would be different from big banks that charge fees. I'm disappointed to see that I was mistaken.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter on XX/XX/2022. I told credit bureaus to " investigate every piece of information '' on the accounts i have listed below. 
According to the FCRA The term " investigate consumer report '' means a consumer report or portion thereof in which the information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FCRA 15 USC 1681 everything has to be 100 % accurate. Also I attached copy from credit bureaus so you can see that nothing matches, Last balance update is different, minimum payment is different in each bureaus, date open different as well. 
THESE ACCOUNTS NEED TO BE DELETED FROM MY CREDIT REPORTS AS LONG AS THE INFORMATION IS INCORRECT. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I finance a car through Credit Acceptance in XXXX and during the month I found that they was charging me over XXXX XXXX XXXX  interest rate, then by XX/XX/XXXX XXXX voluntary return the car because of divorce reason. Then during the same year Credit Acceptance sold the car to another car dealer for more than the value of the loan principal value paying off my debt. Later during XXXX I saw in my credit report that Credit Acceptance open the account and add a balance of {$11000.00}, immediately I call them and they offer me if I accept and agree paid them {$3000.00} in XXXX days, they will remote that information from my credit and I decline the offer. I never receive any letters or phone call from them, I called a few time requesting the information about how they calculate those charges and they hang up the call. During that moment and continue as today, Credit Acceptance are reporting on my credit that this loan is close but at the end of the month they report the account open it, increase the balance and later they report to close it.

In the attachment you will see the evidence how Credit Acceptance are reporting false information, what cost me me a lot of financial problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Due to a family matter, I was under stress. I missed one of my mortgage payments but catch up on the next payment. 

I notice there is a late fee of {$26.00}, I was never late on any of my mortgage payments. 
I call Rocket Mortgage to get the {$26.00} waived. I was told that they change their policy and are not allowed to waive the late fee. 

I am paying Rocket Mortgage an interest rate that is unbelievable and I can not believe they will not waive a {$26.00} late fee. 

Becuase I was never late in any of my payments, I want Rocket Mortgage to remove the {$26.00} fee from my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: EQUIFAX, INC.
State: NC

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 USC 1681. 

XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section : States no consumer reporting agency may make any consumer report containing any of the following items of information. 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 ) Section : States a person shall not furnish any information relating to a consumer to any reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 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: SC

Complaint narrative:
Equifax is reporting an account that is not my account from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I sent a check to XXXX XXXXXXXX XXXX XXXXXXXX for {$8.00} on XX/XX/2022. XXXX did not cash that check and someone else took that check and check washed it. They wrote a check to XXXX XXXX XXXX for {$740.00} on XX/XX/2022. PNC took the money out of my checking account on XX/XX/2022. I proceeded to tell my bank that this was not a check that I wrote. PNC took all of my complaint information about the fraudulent check and had it notarized. They sent the information to XXXX XXXX XXXX  on XX/XX/2022. This is the bank that the XXXX XXXX XXXX deposited the check into. I have been in contact with PNC for over 5 months now with no results. I would like to know when I can expect my money back. I am a XXXX  with very XXXX XXXX  and need the {$740.00} to live on. I hope that you can help me. I really appreciate your attention to this matter. I don't know what else to do anymore. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have never had a credit card or account neither authorized no body with XXXX  XXXX to open one This account its not mine.

Company response to consumer: Closed with explanation