vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
When calling customer service anout a {$300.00} payment made on XX/XX/XXXX, the company refused to srnd me a fax number or an address to forward my bank transaction statement showing the money sent and not returned to XXXX for {$300.00}. The customer service rep refused to email any address, email, or fax number for the bank statement to be sent to showing {$300.00} was paid to Santander and not sent back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank treated me so unfair. To start with, I was a victim of a fake employment scam that was even on XXXX XXXX XXXX XXXX. The 3 scammers sent me two checks and I deposited the checks. In the meantime they told me to XXXX them payments to purchase equipment and office supplies. The checks were fake and some days later they were not paid. I was left with a negative balance on my checking account of almost {$7000.00}. PNC took my Social Security pay twice as well as my remaining savings account balance. I was left then with a balance of approximately {$2500.00}. PNC would not refund me the money I was scammed out of because they were XXXX payments sent and XXXX XXXX gift card. I negotiated with them on the collections and they agreed to deceased the amount owed to {$1600.00}. I paid PNC all of the balance due in 3 payments of {$540.00} each month for 3 months until paid. I was scammed and it was not my fault or doing and I did pay PNC. 

I believe PNC Bank flagged me as a result of this and messed up my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed my account for no justified reason. I am seeking to have my account with XXXX XXXX XXXX  unflagged and restored as well as any other creditors or banking institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: NY

Complaint narrative:
I previously notified Equifax that I am a victim of identity theft. In return Equifax said that they verified fraudulent accounts on on my credit report. Im would like to know how is that the fraudulent accounts were verified, when and what date. these accounts should not be on my credit report because I did not open or give permission for them to be open

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TOTAL MORTGAGE SERVICES LLC
State: NY

Complaint narrative:
I currently working with Total Mortgage regarding my loan modification due to COVID-19. I gave them all necessary documentation and was told my payment would be lowered by {$200.00} from {$3300.00} to {$3100.00} dollars. When filling out the documentation, I requested my payments to be returned to the original amount of the refinance contract of {$2800.00} that had been increased because of the misinformed representative that told me not to pay my equity while XXXX XXXX XXXX XXXX XXXX XXXX 2020. In addition, while my account was on forbearance they informed the 3 credit bureaus that I had a month of late payment which gave me a negative rating. I requested it to be removed being that by law its not supposed to show any negative remarks while on forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: MO

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, XXXXXXXX XXXX : # 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 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Hello- I am filing a complaint against Wells Fargo online services. I live in NC and my mother lives in AL. I am the go to person for all of my mother 's accounts- whether it's banking, doctors, life insurance - I manage all of her finances. She has been missing payments a few times, but I always manager to help her get it paid- though she was making late payment too. My mother has XXXX 's - so sometimes she forgets to make payments. And that's where I come in at. So instead of trying to get to Wells Fargo bank, I tried to set up her account online to pay from my home for her. I attempted to go to Wells Fargo in NC ( near me ) to see if I can get this online service set up. They tried to help me but they could not get the issue resolved for me because Wells Fargo online services does not have a copy of my POA. I tried to get the issue resolved over the phone multiple times, but Wells Fargo customer service reps were very nasty. I was told they couldn't do anything for me because they don't have access to my POA. I've asked multiple times to fax it over to them. When I call they will not help me because they are saying they don't have my documents from Wells Fargo Mortgage. Wells Fargo Mortgage conferenced me in with them to let them know that my documents are with Wells Fargo Mortgage. But the online service staff still did not want to help because they couldn't see it on their system. This is ridiculous. I need to have access to the online service to pay my mother 's mortgage on time. I talked to at least 7 people in the online service IT dept. The 1st level, the 2nd level ( who was very nasty ) ... the next level hung up on me. Everyone that answered to this phone number, XXXX, I had issues with - over and over. I finally went to XXXX, AL to take my mother to the bank. One of the bankers named XXXX XXXX- was very helpful to try to get the account set up online. But again, I tried to get access and the system denied me from setting up the online account. Between the Wells Fargo bank in NC and the Wells Fargo bank in AL- neither of them could help me gain online access. But the IT people from the online service, probably could have helped but they keep saying they don't see any of my documents to grant me access. So, where do we go from here? I would really appreciate if I could get this resolved, so I can get online access to my mother 's account. I also have a mortgage account with Wells Fargo, but my main interest is getting online access for my mother 's account.

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 2023-04-19 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: ERC
State: FL

Complaint narrative:
Identity theft, multiple fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: National Credit Systems,Inc.
State: AL

Complaint narrative:
The collection agency by the name of National Credit System has reported a balance of {$3900.00} on my credit that is not valid. I have gone to the source which is XX/XX/XXXXXXXX on XXXX XX/XX/XXXX in regards to the issue and received a letter pertaining to the amount that is owed which is {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I deposited {$5200.00} ( {$780.00} & {$4500.00} retirement checks ) in my account via ATM machine. However, I forgot to endorse the back of the checks. I had called the customer service line and was told there is nothing that they can do. The hold is on my account until XX/XX/XXXX. I have a house closing on XX/XX/XXXX so I made an appointment to come in the bank to see if they can release the hold sooner. I was told by XXXX XXXX the banker who called the " check '' department ) that the hold will be released on XX/XX/XXXX and the checks will be sent back as uncollected funds. XXXX suggested that I called the company issued the checks to request a stop payment and have them re-issued the checks ( since my closing is on XX/XX/XXXX ), I left the branch and within 5 minutes I called retirement 401k company to request stop payment. I was told that those two checks had cleared on XX/XX/XXXX meaning wells fargo had collected the money. I drove back in the branch and was told that they do not discuss with me and I have to make appointments and the earliest appointment is tuesday XX/XX/XXXX. They told me to call customer service line again because it is customer service issue now. I spoke to 3 different specialist including two executives and they said they can not do anything for me. The last one tried to act like she couldn't hear me and then disconnected the call. I need help in retrieving my money since the retirment company showed the checks had cleard but wells fargo stated that they do not have my money. 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 explanation
Consumer complaint received 2023-04-19 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: FL

Complaint narrative:
Inquiries I did not approve

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-20 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Today I received 8 phone calls about a late payment. My payment was 7 days late. I made the payment on Monday, however, I was {$9.00} short ( I thought my payment was {$30.00} ) and I guess this caused them to call me 8 times without messages left, on 2 of the calls I picked up I was hung up on and the last call I explained I made the payment Monday. It was never said my payment was incorrect. When I checked my account it said I still owed {$9.00}, which I paid immediately. There is no reason for this many calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-19 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: SC

Complaint narrative:
I am victim of identity theft. These items are not conducted by me as a consumer : XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-19 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Hello, I am filing a complaint against all 3 credit bureaus ( XXXX, XXXX and XXXX ) They are reporting multiple collections that are not mine ranging from {$240.00} all the way too {$4000.00}. I have sent letters to both the collection agencies and to the credit bureaus explaining to them that Ive never signed a contract with them to do any kind of business. They are fraudulently reporting inaccurate information. I am demanding that these items are removed. XX/XX/2023 I sent certified letters off, asking the collection agencies to please document that the items are in dispute. I also sent certified letters to all 3 bureaus asking them the same thing. Nothing has occurred and they continue to report fraudulently every month. There are several laws being broken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : 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. : 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

5. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

Please remove it from my credit report. 

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 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for your time and help in this matter. 

Sincerely, 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 2023-04-19 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : 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. : 1. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

5. The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

Please remove it from my credit report. 

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 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for your time and help in this matter. 

Sincerely, 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 explanation
Consumer complaint received 2023-04-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Inquiries I did not approve

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 2023-04-19 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: HYUNDAI CAPITAL AMERICA
State: MO

Complaint narrative:
To whom it may concern, I write to you with great concern regarding the recent unfortunate incident involving my XXXX Kia XXXX vehicle and Kia Motors Corporation 's and Kia Motor Finance 's actions in this matter. 

My vehicle was stolen early XXXX, which has been linked to the nationwide crisis resulting from Kia 's failure to incorporate a standard anti-theft engine immobilizer that has been an industry norm for the past two decades. This issue is compounded by Kia 's lack of response to rectify the situation, and its subsequent handling of the matter has been both disappointing and unacceptable. 

Subsequent to my insurance company 's assessment of the vehicle 's value at XXXX, the funds were remitted to Kia with the expectation that the difference would be refunded to me, given the residual value of just over XXXX. However, Kia failed to provide an appropriate and ethical resolution to this matter, as it retained the payment, effectively profiting from its own manufacturing incompetence. 

Such actions not only breach the trust that I had placed in the Kia brand, despite this being my second Kia vehicle, but also constitute an egregious violation of the law. Therefore, I urge Kia to reconsider its position and provide a just and equitable resolution to this matter. It is my expectation that Kia will rectify the issue immediately to avoid any further escalation of this matter.

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