vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have filed for unathorize dispute Wells Fargo regarding my checking account as we were overseas and have noticed charges from XXXX XXXX and XXXX without my knowledge as I had no means of checking transactions due to poor internet connection in the rural province of where we were. I have filed the follwing claims : XXXX. XXXX XXXX. XXXX Before the XXXX or 30 day investigation period it was automatically closed and have asked for report but they were unable to send anything and instead just the typical note saying they did not suspect fraud due to the fact the account was being checked online and its valid. I have filed a complaint to XXXX as well and they kept sending the same letter and all I want is for them to investigate as I never did made any transaction with XXXX XXXX or XXXX. A big amount have been stolen from my account and I have also been contacted by Police Officer in XXXX  but nothing was done to resolve it. I was told the case have been sent to them but they did not do anything as they said the charge was done online. How are they to claim fraud protection when they are letting the fraudsters get away with taking money from consumers account and the bank does not do anything to investigate and instead of helping the consumer they just assume on a basis that is not favorable for the account holder. I just want my money back and have them investigate as I have been unable to get far with XXXX XXXX and XXXX as I did not know any reference numbers and nothing in my name was showing up in there system. I was told to dispute with the card issuer but how am I suppose to do that when they are not willing to help me get my money back amd do an investigation.

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 2023-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
When the contract with the company was started the agreed upon payment date was the XXXX of every month starting in XXXX. I was having trouble managing the payment date so I set up a payment arrangement to split the payments into two transactions with the promised dates of the XXXX and XXXX of each month until canceled on my end for half of the paying around XXXX XXXX and XXXX dollars. The month of XXXX the money came out of the account on those days and everything was fine. I check my account due to the fact I will be having an up coming payment and notice I am charge a XXXX dollar late fee on the XXXX of last month, XXXX. I checked all of my transactions and the money came out on the XXXX around the same time XXXX just as promised. Yet my account is saying a passed due late fee of XXXX dollars was giving to me on the XXXX of XXXX. I have never missed or been late on a payment since I started with the company and Im not understanding why this charge has been given to me. Ive tried calling and the office is always closed by the time Im out of work or on weekends even tho it says it is open. I want this fee gone immediately and not reported on my credit nor do I want this problem again.

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 2023-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I refinanced my mortgage with XXXX to get it away from Nationstar Mortgage dba Mr. Cooper. Then XXXX makes Mr. Cooper the loan servicer and eventually sells the loan back to Mr. Cooper. Immediately following the transfer to Mr. Cooper they have repeatedly misapplied funds by NOT applying additional funds sent with the monthly payment to the PRINCIPLE! Instead it is applied to the " next monthly payment ''. 
This practice continues almost MONTLY even though I have been assured REPEATELDY that " any additional funds received would be applied to principle ''. I am told that " if I paid on the Mr. Cooper website the problem would not happen '', but I would not trust Mr. Cooper with my personal information if my life depended upon it. I am making additional payments to get this account closed and away from Mr. Cooper as quickly as possible. It appears they are trying to stop any loss of interest by NOT applying funds to the principle. In my opinion these are fraudulent actions because they continue to misapply funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover credit card. I asked for confirmation of debt and wanted all of the wet signatures. They sent me a statement. A statement is not a confirmation of debt. Then they said it was verified. So I asked it was verified by who, what name address phone number and title like a lawyer etc. They just told me it was verified. So I verified you as a incompetent XXXX. So I am going to send this case to arbitration and place a lien on ceo surety bond. They refused to accept my coupon for payment which is legal tender. The bill came saying XXXX XXXX ( XXXX ) not me XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Pay to order of : Discover credit card {$6000.00} and XX/XX/00 By : accommendation XXXX Irs : XXXX, Without recourse

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I received an alert that this was added on my credit report. I have never heard of the original creditor or the collection agency. I filed dispute with XXXX  and 2 days later all they did was update the information to match the information on the other credit bureaus. In other words this collection was not accurately reported. I have not received any documents or any calls. I even filed with the XXXX. This company on their site has an overwhelming list of complaints for adding false information and false reporting. This company is known to scam and it is causing me stress because I just finally cleared my credit not even a month ago and all of a sudden this account just appears out of nowhere. I need this deleted or removed please. I do not own this debt and didn't have any documents to support that this is mine because I have never heard of either said company. It says amount owed {$810.00} as of XX/XX/2022. Company name of original debt XXXX XXXX XXXX XXXX FL and debt collector Consumer ADJ CO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: Cooling & Winter LLC
State: GA

Complaint narrative:
Card was opened with XXXX XXXX without my knowledge I've asked them to do an investigation, I've sent all the proper documents to them now they have transferred the account to Cooling & Winter in the of amount for XXXX because they can not verify the information to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$6500.00}

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 non-monetary relief
Consumer complaint received 2023-06-05 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXXXXXX Balance : {$6500.00} XXXX XXXX Balance : {$6500.00} XXXX XXXXXXXX Balance : {$6500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
We received an email about a phone number being changed on our account. Emailed Chime : Received standard response to login and fix. 

Emailed stating they were now sending sign in verification code to the wrong phone #, and to please deactivate the account : I do not use Chime. 
Please de-activate any account and any activity related to my email address and confirm. 

Attaching all of Chimes responses which keep telling me to send them my photo ID?!!! This is scandalous. Ive been spammed. Caution at highest level now. And you tell me to send a photo ID?! 

Also, bank and routing number added and emailed to me. So I now have someone elses bank info. And a debit card is on the way to my house?! 

Including snapshots of Chime responses and email correspondence. 

Clearly do not have proper fraud protections in place, and more specifically, have not deactivated whatever account is tied to my email and name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have a vehicle loan financed with Ally Financial. In the month of XXXX, my payment was due on XX/XX/2023. I completed the payment in the amount of {$400.00} on XX/XX/2023. Although the payment was completed after the XXXX of the month, due to XXXX having only 28 days, at the time of the payment on XX/XX/XXXX, the account would have been 29 days past due. Ally reported to the credit bureau that my account was 30 days delinquent and refuses to remove the reporting. I have spoke to countless members of their leadership team and have submitted several disputes, including one in writing. Each time I speak to a representative, they advise that my account was only XXXX XXXX  but since it was after the due date, the system reported it as XXXX XXXX. While I understand how that may be, this is unfair, unjust, and a violation of the FCRA.

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 2023-06-04 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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
The M & T BANK HAS RETURN A CHECK THAT WAS ALREADY DEPOSIT AND CASHED IN MY CHECKING ACCOUNT DUE TO A MISSING SIGNATURE FOR THE HOMEOWNER WIFE. I DEPOSIT THE CHECK ON XXXX XXXX AND THE CHECK WAS RETURNED XXXX XXXX. THE CHECK THAT WAS BEING RETURN CAUSE MY CHECKING ACCOUNT NEGATIVE XXXX. IM NOW BEING HIT WITH FEES AND ALL MY SUPPLIER ARE NOT PAID. I WENT TO THE XXXX BRANCH TO ASK HOW CAN THIS MATTER BE FIXED. THEY STATED PLEASE GET THE WIFE TO SIGN THE CHECK. T WENT TO HOMEOWNER AND OBTAINED THE WIFE SIGNATURE AND RETURN TO THE BANK TO REDEPOSIT THE CHECK. THE BANK MANGER XXXX STATED SHE CANT DEPOSIT THE CHECK. I SAID WHY DID I TAKE OFF WORK TO COME BACK DOWN HERE TO GET THE SAME RESPONSE AS YESTERDAY. XXXX THE BRANCH MANAGER WAS THE PERSON TO INITIATE THE DIRECTION THE SAID I NEED A FORM FROM THE BANK THAT THEY MAILED TO ME. 
I NEED THIS MATTER EXPEDITED AND RESOLVED ASAP THANK YOU

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 2023-06-04 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2023-06-04 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: AL

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is opening a promotional credit card without customer 's approval and adding promotional balance transfer from credit card to checking account. All these transactions and opening a new Credit Card are not approved by me. I would like to investigate this matter and prevent this in future.

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 2023-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: TX

Complaint narrative:
I am a XXXX Veteran from the XXXX XXXX XXXX, I am in the rebuilding phase of my credit. I made a lot of XXXX decisions in my past that ruined my credit. However, I have been doing things the right way for the past year and my XXXXredit score has increased significantly. I applied for a Secured Credit Card with XXXX it to help me on my journey of rebuilding my credit. I was hoping my card would graduate to an unsecured card after 6 months, so I could get my XXXX dollars deposit that I need so much back. However, that looks IMPOSSIBLE right now. Why? Because yesterday, XX/XX/XXXX, I received like 5 negative notifications about a new collection account added to my credit report from all the different websites and apps that I use to check my credit reports. This collection decreased my credit score by XXXX points. 

The collection account is a collection from XXXX with a balance of XXXX dollars. It is showing the date opened AS XX/XX/XXXX. I am 100 % SURE that I DO NOT owe XXXX a XXXX. I never received any calls or mail from XXXX or anybody else about this balance. When I switched from XXXX to XXXX, I did not owe XXXX ANYTHING XXXX Therefore, I DO NOT understand why I owe this balance. Anyways, I immediately reached out to XXXX trying to find out what this collection was about, and they told me that MRS BPO COLLECTIONS is the one in charge of the collection account. I immediately reached out to MRS BPO COLLECTIONS, and they told me that that the balance was XXXX dollars which is not the balance that the collection account is showing on the credit bureaus. I do not want to fight this collection fake and fraudulent collection account and waste time. As I mentioned above, I am a XXXX Veteran from XXXX XXXX FORCES with chronic XXXX, chronic anxiety, and chronic XXXX, and this things just add more stress to me and make things worse for me. Therefore, I went ahead and paid the balance in full to MRS BPO COLLECTIONS, even though the balance they say I owe is way different to what they collection account on the credit bureaus is showing. They told me that they would let XXXX know that I paid the balance in full. However, I need this account removed from all of my 3 credit bureaus ASAP. I am 100 % sure that I do not owe XXXX anything as I said above. But this collection account ruined my credit and will prevent my secured card to graduate to an unsecured in a timely manner, since one of the MAIL requirements from XXXX It when graduating secured cards to unsecured is that you can not have any new Negative Accounts added to your credit report. Therefore, please delete this account from my report ASAP. Thank you!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Explained I didnt make the purchase

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: OR

Complaint narrative:
Rocket Mortgage severely underestimated taxes on the original loan estimate. According to the loan XXXX this is due to their systemic process they use to pull the last tax bill. This means this is happening to other borrowers. 
Rocket Mortgage promised reduction in new tax estimate once we received XXXX status. They claimed they called XXXX XXXX on our behalf to confirm. We only learned at signing that this would not apply in Oregon. 
Rocket Mortgage never responded when I reported that I thought there was a compliance violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2023, I sent in a letter stating that I am a victim of identity theft and have filed a police report pertaining to the inaccurate items on my consumer report. 
That XXXX tracking number is XXXX. 

A copy of the letter has been attached to this complaint for your reference. 
This letter serves as explicit written permission to remove the items in question from my report. I did not authorize these activities and am requesting that they be blocked from my consumer report as soon as time permits. 

I mailed this same letter with signature confirmation and the above-mentioned tracking number reflects that my letter has been received by an authorized representative of your company. 

Failure to comply shall lead to further complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General as well as legal action being commenced as a result of your companys unlawful noncompliance.

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