vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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: GA

Complaint narrative:
I have never heard of XXXX no have ever done business with them so they need to remove it asap.

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 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My complaint is that Credit Acceptance Corp has been reporting inaccurate late payments to the credit reporting bureau 's for the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Back Story I was adversely impacted by Covid-19 XXXX of XXXX. Prior to Covid, I had never been late on my car payments. The moment my plant was shut down, I contacted Credit Acceptance Corp. to inform them of my financial difficulties and to inquire about payment options.

Credit Acceptance allowed me loan relief in the form of payment arrangements, however, I recently discovered that they have been reporting me as late to the credit reporting bureaus. I have contacted Credit Acceptance several times to inquire as to why they would report me as late if I am making my weekly payments and I have been ridiculed, laughed at, dismissed and treated very unprofessionally. Additionally, I have petitioned all 3 credit bureaus to have the late payments removed and have heard nothing back. 

I have gone on Credit Acceptance 's website and they have not honored any of the verbiage contained within their own website as it relates to handling those impacted by Covid-19. I feel discriminated against. 
https : //www.creditacceptance.com/coronavirus-response Moreover, I am entitled to an accurate credit report free from errors and what Credit Acceptance is doing is just plain wrong and violates the CARES ACT protection as it prohibits lenders from filing a negative report about the borrower to a credit rating agency. 

Please help me remove these late payments and make Credit Acceptance stop this unjust practice.

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 2022-01-13 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: FL

Complaint narrative:
Opinion by facts ... because your XXXX  you report incorrectly. Just today as a client I pulled a XXXX XXXX XXXX from you but was denied a mortgage -AGAIN. Lender- Upon checking the credit, your score did go up to a XXXX, however, your wife middle score is at XXXX. XXXX -WHAT A XXXX XXXXXXXX COMPANY YOU ARE. PLEASE DON'T GIVE ME ANOTHER BS LETTER. By opinion based on facts -your a scam... .simple as the facts posted.

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 2022-01-13 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: JPMORGAN CHASE & CO.
State: PR

Complaint narrative:
In XX/XX/XXXX I asked in a XXXX Chat about my credit card I have with them and they told me it was closed because of the time it had pass, however everything was good, balance was on zero. Later on I received and email informing that they dig my credit history and this drop almost XXXX points on my credit score!!! Im working on everything even the hard times we passing by to mantain my credit score good and this just push me hard. Please help me out eliminating this into my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing today in regards to my account with Capital One account # XXXX. The purpose of writing is in regards to the late payment which is showing on my report in XXXX XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I was the victim of a XXXX phishing scam via Wells Fargo Bank. Wells Fargo has denied my claim and closed the investigation. 

On afternoon of XX/XX/XXXX I received a text message indicating possible fraudulent activity on my account. I did not respond to the text but within a couple of minutes I received a call from a number in XXXX, Texas ( I live in XXXX, TX, a suburb of XXXX ) with someone telling me they were detecting fraudulent activity within our account. After doing a reverse phone number look-up, the number the caller was using appeared to be a Wells Fargo branch in Texas. 

They proceeded to tell me that the fraudulent activity was a XXXX transfer ( to the payee XXXX XXXX ) for {$3500.00} and was scheduled to go through tomorrow morning. Since I said I was not the person initiating the transfer they instructed me to hold on the line and soon a new call came though but this time the number was the XXXX Wells Fargo number. 

The person on the phone then informed me that since XXXX is a third party application that Wells Fargo could do nothing to stop the transfer and the only recourse was to pay myself the money to offset the impending XXXX transfer. 

I followed through and after the transaction was complete, I asked for a reference number for the case and they hung up. The XXXX transfer still shows in my account with myself as the payee. 

Immediately after that I knew that it had been fraudulent. I called Wells Fargo immediately and after several hours and speaking to three different people we filed a claim. I've attached all communication we have received from Wells Fargo regarding this. We do believe that we should be protected under XXXX XXXX and communicated that to Wells Fargo. We have gotten mixed messages from everyone we have spoken to, which at this point is 12+. I'm not sure what else I can do to dispute this claim and get my money back. I know this is a prevalent scam currently and am writing to file a complaint with the CFPB. If further details or additional information is needed, please contact me. I'm hopeful the people responsible for this will be help accountable and that no one else has to become a victim of this scam.

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 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Alliant Capital Management LLC
State: FL

Complaint narrative:
Several Repeat voicemails from XXXX. Several Repeat phone calls from XXXX. Caller XXXX XXXX does not state what company he is with. Uses phrases like trying to locate and a complaint has been filed against your social security number. XXXX search shows this caller is from Alliance Capital XXXX XXXX This harassment need ps to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Webcollex, LLC
State: NV

Complaint narrative:
I made a settlement to CK Financial XXXX XXXX XXXX XXXX, VA XXXX phone Toll-Free XXXX phone Local XXXX send Email XXXX I made a settlement of {$200.00} which was accepted on XX/XX/2021 but the collection agency put on my credit report that the {$200.00} was used as a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX used predatory lending practices and was in litigation with the State of Texas/Department of Justice . These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for XXXX and XXXX months that should not be there!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX used predatory lending practices and was in litigation with the XXXX XXXX XXXX XXXX XXXX . These predatory practices have affected me as a consumer because they have put a charge off on my credit for over {$20000.00} that has been there for XXXXyrs and XXXX months that should not be there!

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 2022-01-13 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: MONEY SOURCE, INC., THE
State: CO

Complaint narrative:
I have a 30 year conventional loan with XXXX that was sold to The Money Source without my permission or knowledge in 2017. I was just turned down on a land loan because the Money Source reports my mortgage as revolving credit so my credit rating is wrongfully lowered so to the balance to value ratio. The money source claims its industry standard to report a manufactured home as 17 but my home has been purged and permanently affixed to my 7 acres.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
This is a Wells Fargo account. I opened and used this account for home improvements. There are two charges : one in XX/XX/XXXX and the other in XX/XX/XXXX. The first charge is interest free with 24 equal payments. The required payment is $ XXXX. I made $ 100 monthly payments up until I made the second charge in XXXX. The required payment went up to {$200.00} ( XXXX + XXXX ). Once the second charge appeared on my bill, I made payments of $ XXXX. My intention was to pay off the first charge before the end of the 24 month period. However, Wells Fargo continues to deduct only the {$95.00} as payment from the {$500.00} I submit. This means that I will NOT payoff the first charge before the 24 month period. I have called and asked that the surplus payments be applied to the first charge and XXXX has flatly refused and they continue to apply the surplus to the second charge. The surplus payment is MY MONEY and since I am already meeting the required monthly payment, as such I should be allowed to designate that surplus of funds ( XXXX ) to whatever charge I want paid. What is so difficult about this? They should be happy I'm making my payments, including extra! Do they think someone paying their charges off early means they won't continue to make payments on the remaining charge balance?! 
My complaint is that since I am making the required minimum payment on both charges, any amount over that ( money I choose to use toward payments ) should go to the charge balance I prefer. Most other credit card companies allow this ( XXXX, XXXX, XXXX, XXXX XXXX ). Wells Fargo has a history of corrupt activity and this " policy '' seems very suspicious. I am literally held hostage tp paying on the first charge for 24 months when I want to pay it off!!! They won't even let me do that! Even if I were to send them today the balance of {$510.00} for the first charge they will apply it all to the second charge. This is not right!

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 2022-01-13 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX a check that was dated for XX/XX/XXXX in the amount of {$950.00} was deposited into my account the name on the check was XXXX XXXX XXXX XXXX XXXX I did not endorse it my name is nowhere on the check I know nothing about the check I have been trying to call SunTrust going on 2 days now I'm at 4 hours right now and I'm unable to get anyone on the phone

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 2022-01-13 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: CA

Complaint narrative:
Transunion is deliberately reporting incorrect information which is causing my score to display as inaccurate. A collection account should be deleted as the collection agency and original debtor has deleted the reporting. I disputed this information and it was removed correctly by XXXX but transunion is still reporting the incorrect information. I have no accounts in collections.

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 2022-01-13 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: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX ( Original creditor XXXX ) XXXX Balance : {$66.00}

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 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FB FINANCIAL CORPORATION
State: CA

Complaint narrative:
Our mortgage is through First Bank Mortgage. We received notice that effective XX/XX/XXXX, the loan was being sold to XXXX XXXX XXXX. The XX/XX/XXXX payment was paid through autodraft on XXXX. The amount paid was {$2600.00} ( {$2200.00} regular payment + {$400.00} extra to principal ). On XX/XX/XXXX, First Bank reversed this payment ( labeled as " misapplied funds '' ), as well as one other payment from XX/XX/XXXX ( {$160.00} ) which was an extra to principal payment. I called and asked for an explanation and was told it was due to the XX/XX/XXXX transfer. On XX/XX/XXXX, I received a statement from the new servicer ( XXXX XXXX XXXX ) and noticed that the outstanding principal balance was {$2500.00} higher than the balance shown on the First Bank statement that was issued after the XX/XX/XXXX payment. On XX/XX/XXXX, I called First Bank to ask why the XX/XX/XXXX payment and XX/XX/XXXX payments were reversed, and they had no explanation. On XX/XX/XXXX, they applied {$2200.00} from the XX/XX/XXXX payment, but the two extra principal payments of {$400.00} and {$160.00} were not applied to the outstanding principal. I have spent several hours on the phone with First Bank trying to resolve this and no one seems to understand what happened. 
FYI, the XX/XX/XXXX payment that is shown on the attachment is NOT a new payment. This is the XXXX payment that are now applying on XXXX. The XX/XX/XXXX payment was made to XXXX XXXX XXXX, the new servicer.

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 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, my cash app debit card number was used in various parts of the world most transactions declined, however one transaction for {$120.00} was successful in XXXX. I immediately contacted Cash App support that same day on XX/XX/XXXX. I was told it could take 45 days in to be on the lookout from customer service reaching out via email for more information. None of that has happened since, and I still have not received my money that the scammers stole from my account. I have contacted Cash App twice since then, today XX/XX/2022, being the latest and every time I reach out to customer service, they say it will take 45 more days and that I will receive an email and maybe I should double check my email next time. This application is fraudulent and does not protect users by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
After 2 consecutive complaints about excessive overdraft fees that have been unlawfully charged to my account. Td bank still charging me a fees over the fees that overdrawn my account tremendously. Each time I called them I explained them that I wire the money before XXXX pm the same day and they keep treating me like a nobody and refuse to help me out. Im XXXX person with XXXX and XXXX XXXX XXXX and this situation put my health at risk. 
An amount of {$450.00} charged to my account in 2 days is so unlawful in regard of the consumer overdraft protection act that state to be charged 1 overdraft fees a months and 5 over the year. 
I never enrolled on any overdraft protection agreement with td bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo has me sign documents to close my refinance in XXXX that were dated in XXXX but then had my first payment due date 2 months prior in XXXX of the same year. 
My mortgage is based on an illegal contract due to them refusing to put the due date after the sign and close date.

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 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX : {$1400.00} Opened Date XX/XX/XXXX XXXX Original Creditor XXXX XXXX Balance : {$66.00} Opened Date XX/XX/XXXXXXXX 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