vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I was communicated by this company representing XXXX XXXX XXXX. 
For a debt that should never been made. 

I closed and stop my service with XXXX in XXXX of 2022, when I needed a life threating XXXX XXXX to be done and would have me not to drive for several weeks upto months. 

I reported the cancellation and stop to renew any services with them in XX/XX/XXXX and XXXX 2022 directly to XXXX insurance customer service. I was told on the phone I can not cancel any insurance or renewal due to state laws impacting the need for insurance. I contacted them again on the XXXX of XXXX, XXXX of XXXX and last day of service with them XXXX of XXXX. I did not want a renewal and I was ending my service with the company. 

They did not want me to cancel my service stating that I must have another insurance company with someone else and then I could stop services with them and cancel any renewal. I was angry that they tried to attempt and did deny my request the days before. 

I found an unauthorized charges of over XXXX dollars trying to be debted out of my XXXX XXXX bank account. No authorization was given to debit from my account. I was charged over draft charges and filed a dispute with my bank. The days of my XXXX and weeks of bed rest then a XXXX XXXX issue of XXXX XXXX in my XXXX resulted from the XXXX and time I was hospitalized. In late XXXX to XXXX I answered a letter disputing the said charge from the company representing XXXX for this said debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX I sent a XXXX payment to the incorrect recipient. I called the recipient '' XXXX '' the next day when I realized, and contacted XXXX. she sent me the confirmation letter from her bank that she had filed a claim as well. 
I contacted Wells Fargo on the XXXX and was told they would file a claim. It would take up to XXXX business days to get a response. I contacted Wells Fargo on the XXXX and they told me my claim had been closed because they had found that their was no fault on their end and they would not be issuing a provisional credit. 
I then pushed them to explain to me what the next steps should be, in order to get my {$1600.00} returned. They said they filed a request from the recipients bank on XX/XX/22 and should get an answer by the XX/XX/22. 
I called XXXX. again on XX/XX/22. they told me again that my claim was closed and that they could not say when the recipient 's bank would be required to contact them or guarantee that I would get my money back. I transferred 3 times each time to someone who could not answer my questions. The 3rd time I had to hang up because the hold was too long. 
At that point I contacted XXXX and was informed XXXX was its own entiity and I should contact them. In turn XXXX told me I should contact Wells Fargo because they were the only ones who could file a claim to get funds back. Not the Recipient. 
So Wells Fargo spent 15 days wasting time instead of getting this issue resolved.

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 2022-10-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
i, XXXX XXXX have never applied for credit application or any inquiry with Capital One. Capital one is in violation of Fair credit reporting Act 15 USC 1681b for unlawfully obtaining my consumer report with XXXX. Twice on date of XX/XX/2022 and on XX/XX/2022. I do not have any accounts with Capital One this inquiry was unauthorized without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax Closed my complaint within 1 day without investigating anything I started a car deal for my wife. She filled out the credit application and signed it. 
I did not- I did not want my credit pulled as i was not going on the loan I only went the dealership first and looked at the cars. I DID NOT SIGN A CREDIT APPLICATION, THERE IS NO WAY THIS IS LEGIT PULLS AGAINST ME. My wife signed the credit app and it was not a joint app. 

They never took my SSN, address, anything. I did not fill out the credit app. 

They pulled my credit and shotgunned it multiple locations and banks. I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act INDIGO XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I recieved a call that someone from another state was trying to make a XXXX charge at XXXX. I informed Wells Fargo that I didnt authorize this. They closed my card down and issued another one. Within 24 houra of them issuing another card, my card had been charged in XXXX in excess of XXXX. They have denied my claim and I never authorized the charges, nor had I even recieved my card.

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 2022-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
I had an auto loan through USAA and I sold the car to XXXX at the beginning of XXXX. XXXX sent a check to USAA to pay off the loan on XXXX XXXX, 2022. There was an extended warranty and service plan that was canceled at the time that I sold the vehicle so two more checks were sent to USAA for the balance of those plans. I called USAA XX/XX/2022 and told them 2 more checks were coming, 1 for {$380.00} and another for {$730.00}. The member services representative told me they would transfer the overpayment to my account when they received it. I called again on XX/XX/2022 to check on the status, and they said they sent the checks back to XXXX. When I called XXXX on XXXX/XXXX/2022, they showed that USAA had actually cashed the checks on XXXX/XXXX/2022. I called USAA back the same day, and they said they would research where the money was and deposit it in my account or call me back. I never heard from them. I called back on XXXX/XXXX/2022, and they said another department had cashed the checks but when I asked to speak with that department, I was told I could not speak with them. However, they advised that they had sent new checks back to XXXX. I asked to be provided copies of the checks so I could go back to XXXX to get my money. They said they would get me copy with in a couple days but again I never heard from them. I called again on XXXX/XXXX/2022, and was on hold for over 45 minutes and ultimately transferred two time ( each time having to re-tell my story ) and they said the insurance department cashed the checks and sent new ones back and there wasn't anything I could do. I asked for copies of the checks again and they said they didn't have copies. What kind of bank doesn't have copies of their checks? They told me again they would escalate the complaint and call me back. They have lied repeatedly and refused to give me my money or prove they don't have it. I asked to speak to a supervisor or someone in the " insurance department '' but was again told there was no one else I could speak to. It has been months they have held {$1100.00} and failed to help me or even call me back. I called XXXX today, XXXX/XXXX/2022, and they said they received one of the checks today which means USAA did not send it back when they originally said they had and only did it after lying to me the last time I spoke to them. The second check still has not been received by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
My student loan account was supposed to be on a 6 month forbearance status as of XXXX 2019, however in my credit report file it states in XXXX of 2019 my loan was 90 days past due, and in XX/XX/2019 it was 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I have an online checking account with Moneylion. They offered me a loan for {$500.00}. The company deposited only {$100.00}. When I downloaded the paywork it stated I would have pay {$580.00} to them over 24 payments. Then I will have access to the XXXX. It was a bate and switch. This action can be viewed predator lending. The are reporting that I owe them {$500.00}.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I made over $ XXXX in payments on my student loans during XXXX forbearance and requested a refund from my servicer ( aidvantage ). They have not provided any documentation on when the request will be processed and have not provided proof a request has been submitted. They also do not tell me when my refund will be issued. There is no proof or evidence that they are processing my refund and have not issued my refund ever after 6 weeks since the initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello I reached out to you all regarding a Bankruptcy being reported on my credit report. You all responded " The information provided to us through third party has been verfied to be accuarate and correct '' as a result this remains. 
Well this happned 8 times so i reached out to pacer and got a copy and the address below does not belong to me so the statement " The information provided to us through third party has been verfied to be accurate and correct '' Is neither accuarate or correct and you are violating my rights by failing to verify the information and refusing to delete negative inacurate information. 

I have included a copy of the findings

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 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On the evening of Monday, XX/XX/XXXX, my account number XXXX was stolen by someone else. On Tuesday, I called the bank to complain. The staff said that it would be dealt with by me in 10 days, and the pen would be returned to me. It has been many days. no one picks up no one handlesI said to freeze my account and don't post it to others, but the money was transferred the next day

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 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
In late XXXX XX/XX/XXXX I received my escrow statement showing that I would either have my monthly payment go up or I had to make a payment. I made this payment and Bank of America incorrectly applied this. I found this out on XX/XX/XXXX and immediately called. I was told that it would be fixed and applied properly and that I would get a statement on XX/XX/XXXX well before my due date of XX/XX/XXXX showing the correct amount. I received a statement on XX/XX/XXXX dated XX/XX/XXXX that showed the payments applied properly but did not correct my monthly payment to reflect this. I waited until today, XX/XX/XXXX to call as I had previously been assured that I would receive a correct statement on XX/XX/XXXX. Today I was told that the statement was incorrect but they would not provide me with a correct statement. I told them that I needed a correct statement so that A ) I would know the correct amount to pay and B ) so that I had a record especially since I had been told by them that I would have this corrected statement. Again, they told me no and that if I wanted a statement then I could wait until the end of XXXX when statements would be generated. This informed them would then cause my payment to be late, again, due by XX/XX/XXXX. Again, they told me this was the only option. This a sure fire way for people to be late on payments thus the start of the mortgage crises that we had in XXXX. They should be required to provide an accurate statement with the payee having enough time to get the payment to them on time. Bank of America clearly doesn't see it this way or care.

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 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello I reached out to you all regarding a Bankruptcy being reported on my credit report. You all responded " The information provided to us through third party has been verfied to be accuarate and correct '' as a result this remains. 
Well this happned 8 times so i reached out to pacer and got a copy and the address below does not belong to me so the statement " The information provided to us through third party has been verfied to be accurate and correct '' Is neither accuarate or correct and you are violating my rights by failing to verify the information and refusing to delete negative inacurate information. 

I have included a copy of the findings

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 2022-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Apparently, my mortgage was sold to a new company and I was never notified or given any documents, confirming such so that I knew that it was valid. I received a note on my door one day, so I tried to call the number and it was not a valid number. Fast forward to now and I have a letter I received say they wanted to foreclose on my house and that Ive made no payments. However, I was supposed to be in XXXX forbearance all the way to XXXX due to my having XXXX and being hospitalized repeatedly I have emailed the CEO of the company I have reached out to the XXXX No one is holding up their end or working with me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MECHANICS BANK
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was communicated by this company representing XXXX XXXX XXXX. 
For a debt that should never been made. 

I closed and stop my service with XXXX in XXXX XXXX XXXX, when I needed a XXXX XXXX XXXX XXXX  to be done and would have me not to drive for several weeks upto months. 

I reported the cancellation and stop to renew any services with them in XX/XX/XXXX and XXXX XXXX directly to XXXXXXXX XXXX customer service. I was told on the phone I can not cancel any insurance or renewal due to state laws impacting the need for insurance. I contacted them again on the XXXX of XXXX, XXXX of XXXX and last day of service with them XXXX of XXXX. I did not want a renewal and I was ending my service with the company. 

They did not want me to cancel my service stating that I must have another insurance company with someone else and then I could stop services with them and cancel any renewal. I was angry that they tried to attempt and did deny my request the days before. 

I found an unauthorized charges of over XXXX dollars trying to be debted out of my XXXXXXXX XXXX XXXX account. No authorization was given to debit from my account. I was charged over draft charges and filed a dispute with my bank. The days of my XXXX  and weeks of bed rest then a XXXX XXXX XXXX XXXX XXXX XXXX in my XXXX resulted from the XXXX and time I was XXXX. In late XXXX to XXXX I answered a letter disputing the said charge from the company representing XXXX for this said debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer

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