vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX acct XXXX XXXX XXXX acct XXXX XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX XXXXXXXX XXXX XXXX acct XXXX XXXXXXXX XXXX acct XXXX XXXXXXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AK

Complaint narrative:
I submitted a request for consolidation along with an IDR plan request ( submitted in XX/XX/2022 ). The consolidation was dispersed but Mohela did not apply the IDR payment plan on the account, they claim it was denied due to missing pages 1-4. The application was submitted electronically so there should have been no missing pages as the request was complete. I attempted to contact Mohela on several occasions but each time they refused to submit the request for review and placed me on hold when asked to be transferred to the supervisor and the hold time was over an hour each time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
i had my car repossed from wellsfargo due to XXXX policy being added to my account made my XXXX payment go up to XXXX for the XXXX policy XXXX days before payment and XXXX days after adding this policy wich i did not need due to the fact that i had my own personal insurence and gap insurence when i got the loan for the car and my car was purchased for personal use so they should not have even added Any policy to my account my interest went high and i fell behind they repoed my car XXXX days after adding the XXXX and then sold it in auction withought me being notified of where it was even at on top of all thing the settlement check they sent me went to a bancrupty trustee in Spokane that i never heard of i have never been or filed for bankruptcy amount was XXXX XXXX also went through mediation and that was a joke the first statement the mediator made was that him and wells fargo deal with people like me every day i was so emotionally drained that they were making jump through hoops for something that belonged to me anyways after they denied me getting another check made out that the bankruptcy trusstee recieved and cashed was denied please help even on the refund they did send they were still lying and stealling out money again why let the bank who robbed us be in control of our refund money .they also missapplied paymenrts incorrect fee and interest rates were charged to my account if redressed you will see that i would have hAD MY CAR PAYED OFF IF IT WASNT FOR THE XXXX POLICY

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 2023-06-26 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: NY

Complaint narrative:
I am reporting two issues : XXXX. I received mail from XXXX XXXX XXXX, notifying me that my application for the XXXX XXXX card was declined due to incomplete or unsatisfactory information. 

I never applied for such card or account. 

In checking my credit report a hard inquiry does appear from XXXX  XXXX XXXX XX/XX/2023. 

I have reported to Experian and requested that a fraud alert be placed on my account. 

XXXX. On XX/XX/2023 I received a letter on XXXX XXXX XXXX XXXX, stating that my application was declined due to unsatisfactory or unverifiable information. It was a very detailed letter containing my correct credit score. It referred me to XXXX reporting Agency, but I was reluctant to contact either XXXX or XXXX based on the suspicious nature of the letter. I have made a note with Experian that this was an unauthorized application. It is not currently showing on my Experian report, but I am concerned that it will appear at a future date. Perhaps it is not showing because it is so recent, or perhaps it would appear on a report issued by another reporting agency.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

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 2023-06-26 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: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
n 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. Account name : CAINE & WEINER # XXXX {$1100.00}, Account name : XXXX XXXX # XXXX, 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 2023-06-26 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: PNC Bank N.A.
State: PA

Complaint narrative:
This is my formal complaint to PNCBANK for taking no actions on correcting and removing the fraudulent account that is still reflecting on my credit report and continue to damage my reputation. I sent out communication to them for so many times but until this time no further action I been taken. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I pay escrow as part of my loan agreement ; property tax and HO6 insurance. Last week I found out that Flagstar failed to pay my HO6 insurance company ( XXXX XXXX ) back in XXXX and because of this they canceled my policy. I had no idea I had no insurance for almost 3 months. It is important to mention they did this EXACT same thing with my last HO6 insurance company ( progressive ) back in 2021. They simply did not pay and my insurance was dropped. No one reached out to me but they kept accepting my new escrow payments. 

I called last week and a rep tried his very best to get my plan with XXXX XXXX back in good standing but the company refused to take me back on because of the long gap in my policy ( understandable ). 

I filed a complaint that day and expected someone to follow up. I called today and got the run around. I was on the phone for about a hours and talked to 4 people including a supervisor. EVERY person gave me different and conflicting information. One rep even tired to say I have no money in my escrow account ( I can see the amount on my portal, its currently at {$1200.00} so he blatantly lied to me, a SUPERVISOR no less ). 

At this point I am requesting that they give me the money that was supposed to go to my former HO6 company, I would like get a new company and use the money to pay them in full. I also no longer want to do HO6 insurance through Flagstar. I simply do not trust they will make timely payments. When I make this request to a rep they hung up on me. I called the FDIC to make a complain and they said the CFPB was a better route to take. I just want my money and to be able to get another HO6 policy.

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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account 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 explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: World Acceptance Corporation
State: MO

Complaint narrative:
The letter you sent state you conducted a thorough investigation into this matter and concluded that someone did obtain a loan with your company using XXXX XXXX XXXX personal information first that fraud m name is XXXX XXXX Second you state i open a loan at your branch XXXX in XXXX Mo on XX/XX/XXXX but my report states the acct was open XX/XX/XXXX so you wrote a letter that falsely saying i had number 3 then it says the acct-was transferred to Branch XXXX XX/XX/XXXX the letter makes no sense and its all over the place i will fight you in court and i will not stop this is fraud and miss use of my rights World Finance Company has stated in a documented letter of their inaccuracies also included my personal info and id to show im not XXXX XXXX this is on m acct inaccurate I also added Sectary of State XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
We purchased a vehicle from XXXX XXXX in XXXX, NY XX/XX/2021. Due to poor credit, we were only able to get an auto loan from Credit Acceptance. The finance person stated we had to have the warranty plan with this funder. When signing the contract, he said that although it says optional we were required because the credit score we had. We could barely afford the monthly payment we were given and would have never chosen a warranty if it was optional. We were lied to by the finance person at this dealership. Our interest rate was 22.99 % and the cost of the vehicle was XXXX. Our finance charge was XXXX which seems high and inaccurate.

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 2023-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
ON XXXX I RECEIVED A CALL FROM XXXX TO MY PHONE NUMBER XXXX. THEY ASKED TO SPEAK WITH SOMEONE ELSE. THE CALLER TOLD ME SHE WAS CALLING FROM XXXX  BUT WOULD NOT TELL ME THE COMPLETE NAME OF THE ENTITY CALLING ME. I ASKED IF SHE WAS USING AN ADTS TO CALL ME AND SHE HUNG UP ON ME. I CALLED THE NUMBER BACK AND A REPRESENTATIVE ANSWERED MY CALL AND IDENTIFIED THEMSELVES AS CREDIT COLLECTION SERVICES. I ASKED FOR THEIR ADDRESS AND SHE GAVE IT TO ME. I TOLD HER ABOUT THE PROBLEM I HAD WITH THE PREVIOUS CALLER AND ASKED TO SPEAK WITH SOMEONE IN THE COMPLIANCE DEPARTMENT BUT SHE ONLY TOLD ME TO GO ONLINE TO ADDRESS MY CONCERNS. I DISPUTE THIS DEBT AND DEMAND THEY CONDUCT AN INVESTIGATION OF MY DISPUTE AND SEND ME THE RESULTS OF THEIR INVESTIGATION.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp closed my account without giving me any reason as to why it was closed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving 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 non-monetary relief
Consumer complaint received 2023-06-26 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: FL

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I legally changed my name from XXXX XXXX to XXXX XXXX and i am unable to update this information with XXXX and experian both accounts have locked me out or given me error messages when attempting to login to my account. I can only access XXXX XXXX but i am unable to update anything as the XXXX  site says to go to the XXXX  site. i am literally just trying to update my name and login to my accounts. I have all the proper documentation and court orders for my updated name and information. I need to know where to send it. XXXX had me file a dispute form and upload the documents but i am unable to do that for the other 2 companies. But i also have not been able to file any disputes with the other 2 companies as my accounts always give error messages. It honestly seems intentional like a way to prevent people from filing disputes. its making my life really difficul because of this error that is showing up with my name change in the SSA and Federal tax systems. Please let me know how to move forward. 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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 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: GA

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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-06-26 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:
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. 

Account name : XXXX XXXX Account XXXX Account name : XXXX XXXXXXXX Account XXXX Account name : XXXXXXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 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 2023-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a credit card with Chase and paid the annual fee. Chase closed my credit card before and will not refund the annual fee I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company
State: FL

Complaint narrative:
I requested {$500.00} loan, I did my first payment to them. they told me that I have to make 2 payments per months, each payment for the amount of {$130.00}, and none of the money goes to repay the loan, they charged me {$2000.00}, for {$500.00}, at 697.07 % variable rate, it's that even legal, I believe that we have regulatory laws in the financial world, and this depredatory loans are prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/2023 an account on instagram with a picture of a XXXX XXXX on it XXXX messaged my account asking for permission to paint XXXX of my posts. Her username is XXXX XXXX I allowed her too and she told me there would be comission for it. She claims she can not receive checks at the moment and that her client will be sending the checks my way to cash it. She claims {$2000.00} will be sent my way and that {$500.00} will be mine and {$1500.00} will go to her. Her client with a mobile number ( XXXX ) XXXX and email XXXX messaged me and sent 2 {$1000.00} checks. These checks had a company logo from an established special needs school in Arizona, hence why I thought everything was real. Everything deposited alright on my account but a few days later realized that the checks have been canceled and I was sending {$2000.00} from my own account. I believed everything XXXX XXXX  was saying until she sounded very pushy but it was too late and XXXX can not cancel transactions. After a low balance was detected on XX/XX/2023 I immediately called Bank of America for help. The reviewed my case and gave me an answer that they would not be returning the funds. I had to call all the way from XXXX and spend lots of money on the call for this case.

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