vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
These companies are ran my credit without my knowledge and made hard inquires on my credit XXXX XXXX XXXX on XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ComenityCapital/MPRC on XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: CIG FINANCIAL LLC
State: AL

Complaint narrative:
These companies are ran my credit without my knowledge and made hard inquires on my credit XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX on XXXX XXXX  on XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
PURSUANT TO 15USC1681g, 15USC1681h, and 15USC1681i I the consumer should be able to obtain my consumer report in any method offered by the agency with ease. HOWEVER EXPERIAN AND XXXX IS NOT LETTING ME CHECK MY REPORT WITH EASE I CAN NOT GET ANNUAL REPORT OR CHECK CONSUMER REPORT. WHEN CHECKING IT ASK ME INFORMATION I ANSWER IT CORRECTLY THEN IT SAYS UNABLE TO GIVE ME MY REPORT IT ASK ME TO FILL OUT A MAIL FORM. ACCORDING TO THE LAW I MAY RECEIVE MY REPORT IN ANY METHOD I CHOOSE.

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo customer service Calle me XX/XX/2022 to make a payment over the phone. I provided them with my routing number and account number to deduct the funds from my checking account. The payment was processed successfully and funds were taken out of my account. Two days later I received a call indicating I was past due. I explained that I made a payment over the phone but they showed no payment had been applied. They then transferred me to the lost payment department. They requested I print out a copy from my bank account and fax the information over to them. I sent over the fax XX/XX/2022 and received confirmation that the fax was successfully sent. I have called several times times to check and see if the misapplied payment had been credited to my account with no resolution. As of today XX/XX/2022 I am still getting phone calls of a delinquent nature. They have yet to adjust my account accordingly. Whatever you can do to help resolve this issue will be greatly appreciated.

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 2022-05-03 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: RI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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. Also states a consumer reporting agency can not furnish an account without my written instructions or consent.

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 2022-05-03 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, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 
Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items 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 non-monetary relief
Consumer complaint received 2022-05-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX a loan was obtained from Toyota Financial Services for a XXXX Toyota XXXX XXXX. On XX/XX/XXXX, a notice of acceptance, along with the XXXX XXXX XXXX XXXX for final settlement and discharge of the debt in the amount of {$46000.00} was sent to Toyota Financial Services Attn : loan department, Registered Mail with return receipt.There was no response from the company. On XX/XX/XXXX, a notice of default and opportunity to cure was mailed to Toyota Financial Services attn : loan Department and got delayed by the USPS. On XX/XX/XXXX, copies of the first ( 1st ) and second ( 2nd ) mailings was sent to the CEO of Toyota Motors XXXX XXXX and copies of the same mailings was sent to Toyota Financial Services attn : loan department. With no response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to the CEO of Toyota Motors XXXX XXXX. No response. On XX/XX/XXXX, another notice of Fault and Opportunity to Cure was sent to Toyota Financial Services, attn : Loan Department. No response. On XX/XX/XXXX a notice of Default was sent to Toyota Financial Services. No response. Toyota Financial Services along with CEO of Toyota Motors XXXX XXXX have accepted my Instrument, never returned it and using it to trade. I have obtained the CUSIP NO : from the account. I signed the original contract, without recourse. Toyota Financial Services, along with the CEO of Toyota Motors XXXX XXXX have not sent the Title to the XXXX Toyota XXXX Runner, they have not set the record straight with DMV, they have not settled this account, they have not discharged this debt and sent me the notification of the settled account. Toyota Financial Services have sent a delinquent report to the Credit Bureau harming my Credit Report and Credit Score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
I was told by United Wholesale Mortgage that my XXXX payment was late. That the payment I had made didn't go through because of lack of funds. I grabbed my credit union account and found out that, during the month of XXXX, I DID make my XXXX payment on time, by XXXX XXXX. BUT .... UWM decided to hold on to process my payment until XXXX XXXX... XXXXwhich made the payment late so then they put on a late fee and then said I didn't have the funds in my account. They then said the same problem happened in the XXXX and XXXX payments so to bring it current I had to pay around {$5000.00} cash. I was flabbergasted! And UWM never returned the money I did pay on the mortgage. 

So in very late XXXX I made another payment to UWM. They then said XXXX 's payment was moved to XXXX and I was now 2 months late. As a public school teacher I get paid twice a month. I was very disappointed that UWM wouldn't remove the late charges since I felt like the whole situation was never my fault. Bottom line now is that everything is current BUT UWM refuses to remove the bad credit from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Original loan was with XXXX  ( # XXXX ) and during covid-19 starting from XX/XX/XXXX we were on the Forbearance plan until XX/XX/XXXX XXXX during the Forbearance plan our payment to XXXX  for mortgage payment was paused and we were not to be reported to credit agencies as late payment or delinquent. It was a temporary pause on our monthly mortgage payment until XX/XX/XXXX. After the Forbearance plan had ended, we were told by XXXX to make 3 monthly payments and a loan modification will be completed to add the paused payments to the end of the current loan. 1st payment was paid on XX/XX/XXXX for XXXX payment, 2nd check paid on XX/XX/XXXX for XXXX payment, and after making the first 2 payments to XXXX we were informed that Shellpoint Mortgage Servicing company had taken over our Loan in XX/XX/XXXX and the 3rd payment should be paid to them. 3rd payment was paid to Shellpoint Mortgage company dated XX/XX/XXXX and was deposited by Shellpoint on XX/XX/XXXX. ( all 3 payments were paid for XXXX, XXXX, and XXXX prior to ending date ) all checks were deposited prior to check date ( Copies attached ). Numerous calls had been made to Shellpoint to clear false report to credit bureau but nothing was done causing us more stress. How can I be late 90+ days when all payments were made on time and according to our contract with XXXX when Shellpoint purchased our loan in XX/XX/XXXX! We were reported to credit agency as soon as they purchased our loan and by law they have to give us a 60 day grace period which was not provided. we have not been late in any payments before forbearance plan or after the forbearance plan had ended. Shellpoint has provided false information to credit bureau causing damage to our credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
My cell phone was taken, my password was compromised, a finger print was added to my device to access my saved passwords and then used those passwords to log into my bank account and transfer funds in the amount of XXXX $ USD to someone using Zelle. I reported the fraudulent charges to my bank who then forced me to close my checking account and open a new one only to deny my fraud claims. I am unsure as to why it was required to secure my account but then deny my fraud claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FORD MOTOR CREDIT CO.
State: WI

Complaint narrative:
I've been trying to resolve the issue with regards to my previous auto loan with Ford Motor Credit since XX/XX/XXXX. I've sent Ford Motor Credit letters and sent the CEO emails. I've sent proof of bankruptcy and subsequent discharge. I've sent them copy of court order. The issue is not resolved and it's clear that my consumer rights are being violated as well as the bankruptcy relief law. 
According to XXXX and XXXX, Ford keeps " updating '' this account that was XXXX through bankruptcy which is a direct violation of the bankruptcy relief law. With XXXX, they keep reopening this account. With XXXX they keep switching and changing how many payments were missed. According to the Bankruptcy Law, once a debt is XXXX in bankruptcy the debtor-creditor relationship is done. The company no longer has the right to pull credit, continue to add negative remarks on the account, or to report negative activity in any way to the credit bureaus. Furthermore, it is blatantly illegal to report the account as open, change missed payments negatively, or to report as a charge off AFTER the Bankruptcy has been XXXX. For Ford Motor Credit to change up missed payments, or to reopen a closed account that was XXXX in Bankruptcy is a blatant violation of the Federal Bankruptcy Law. The Bankruptcy was XXXX XX/XX/XXXX. It is now XX/XX/XXXX and Ford Motor Credit has yet to resolve or correct the issue. Not only has Ford Motor Credit violated the Federal Bankruptcy Law, they have violated FCRA guidelines and statute of limitations by manipulating the information regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/XXXX the vehicle was in an accident and totaled. I called and informed them and asked how to proceed. My mom and XXXX XXXX  grand baby were hurt in the accident. On XX/XX/XXXX it was finally seen by my insurance company because the lady that hit her, lnsurance company hadnt done anything. We were in the middle of Covid off of work. On XX/XX/XXXX my insurance company cut a check for XXXX payoff on the vehicle and they received it on XX/XX/XXXX. They did not apply the whole amount I kept calling and finally got it corrected but they started showing my account as 60 late and on my credit I had never had a late payment. It was a one time on just that one account and in 7 years. I called multiple times asking for a courtesy removal of the late reporting as I had always been a good customer and the account after getting everything strait was paid in full and actually they were overpaid. This was a terrible time and hardship on our family with my XXXX XXXX XXXX mom injured and trying to fight hospitals and insurance companies to get everything taken care of. I know this was our debt and we have worked hard all these years and when trying to pay off it gets late charges that negatively impact us long term. I kept in constant contact with XXXX and kept them aware of every step. I understood that I was doing the correct thing when talking to customer service representatives. They show late in XXXX but say it was paid XX/XX/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 explanation
Consumer complaint received 2022-05-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Someone opened a credit card at bank of America in my name. I never opened the card or used it. I got a call from bank of American to confirm a charge made on the card was me, and that's when I found out it. I received the card in the mail the very next day. Bank of America closed the card, and disputed the charges made. Since that happen, my credit score went down XXXX, I got letters in the mail saying I requested to forward my mail to another address away from my home address, also away from my mothers home address which is linked to my social security number... which I did not do.. I also had someone do my taxes this year at XXXX XXXX in XXXX Texas. I have yet to receive my refund and i am unable to contact the business that did my taxes. I'm thinking this might be connected..

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 2022-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Mercari, Inc.
State: MI

Complaint narrative:
Mercari is stealing my money violating my rights I have done business on the platform and my account was closed, now they will not deposit my remaining balance to the account I have on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: IL

Complaint narrative:
The XXXX second installment Property Tax Bill was not paid from my escrow account. 
I contacted the mortgage server 5-6 times in the last three months when I became aware the payment was delinquent. 
The company agreed to make the payment as soon as possible, however, effective today ( XX/XX/XXXX ), they did not complete the corresponding payment. The bill was due on XX/XX/XXXX. 
This is mortgage server information : Selene Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX www.selenefinance.com

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: FL

Complaint narrative:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

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 2022-05-03 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: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
The value of my home has risen dramatically in the last 14 months. I sent in a request to have my PMI removed. First, the company provided an unreasonably low valuation of the home inflating my XXXX to 93 %. Secondly, the company is maintaining that I must wait 2 years to get an appraisal to remove PMI. Thirdly, the company only communicates via email which they respond to in one month or more via mail. Fourth, the company will not communicate with me on how the valuation was reached. 

All three of these are unacceptable and I believe, possibly, illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XX/XX/2022 I submitted a power of attorney from my son to have him added to my account so that I could handle his finances. It was returned 3 days later because the notary had not signed it. My son had it redone and I resubmitted it in late XXXX. On XX/XX/XXXX it was declined. The reason given was it was a statutory POA and not a durable POA. They are mistaken because the same POA was used to add another child of mine to my account. Also the POA submitted was drafted in a federal institution and notarized by a federal notary.On XX/XX/XXXX I went to the main branch and spoke to XXXX XXXX. He called the legal dept for PNC. We were placed on hold for about 10 minutes. When the young lady came back on the phone she said she thought she knew what the problem was and that the power of attorney had been submitted incorrectly. She asked him to resend it which he did, And he told me to give it 3 business days for a response After 5 business days I contacted him and he told me that it had not been responded to and to wait anywhere from 7 to 14 business days more. I have been calling off and on since then and each time I'm told there has been no response ... until today. I was read the same reason again from the same letter dated XX/XX/XXXX meaning they still have not responded to the power of attorney that was submitted XX/XX/XXXX. This is totally unacceptable and totally unprofessional for me to have been waiting for someone to do something for 4 months that should have only taken 4 days. This is very shoddy banking practices at its finest. I don't feel that I should have to change banks. I feel that P & c bank should have to do their jobs.

Company response to consumer: Closed with explanation