vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
My husband bought a XXXX XXXX XXXX from XXXX with financing through Bridgecrest in XX/XX/XXXX. I was not a party to the loan. My husband was a couple payments behind when he passed away on XX/XX/XXXX of this year. On that same day a representative of Bridgecrest contacted me about the past due payments. I explained that my husband had died just hours earlier. She said if I didn't make a payment they would repossess the car immediately. I was overwhelmed and grief stricken and she said even though I wasn't on the loan paying them would give me time. I authorized a payment of {$290.00}. On XX/XX/XXXX I sent them a screenshot of my husband 's death certificate. The company then contacted me back and said they could no longer discuss the loan with me since my name wasn't on it. They told me if I wanted I could assume the loan but I had to get insurance and transfer the tags to me and provide personal documentation including income verification. They sent me paperwork that they said needed to be completed in 2 weeks. I contacted them on XXXX  XXXX  and told them I was unable to get the income verification done since Social Security and OPM ( my husband was retired government employee ) were backlogged due to COVID. They said I needed to give them more money for an extension so I authorized another payment of {$290.00}. They gave me another 10 days. On XX/XX/XXXX I called back to tell them I still didn't have the information. They said I had to make another payment so I authorized another {$290.00}. On XX/XX/XXXX Bridgecrest contacted me and said they wanted me to get more information that required me getting in touch with my husband 's daughters and getting them to sign off on the car. One of my stepdaughters was estranged from her father at his time of death and refused to speak to me. I purchased a car 2 days later. Bridgecrest repossessed the car a week later.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Wells Fargo reps reply to below issues by referring to prior replies which either state the payments in question show cashed or address verified. The payments may show cashed in which case, not by myself.. As stated numerous times prior, the payments were sent after I moved from address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CT XXXX. I moved in XXXX of 2020, payments in question including amounts of {$3700.00} plus IRS taxes and {$500.00} plus IRS taxes were sent months after I moved and as far as I can tell, cashed by another party in my name. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX I've explained this in prior complaints, needless to say, Wells Fargo reps have not addressed issues.. There is mention of a letter signed which was not by myself, agreeing to payment amount of {$500.00}, also sent to old address after moving.. I can assure the CFPB this letter was not signed by myself.. Further, the amounts in total, {$4200.00}, do not cover damages sustained as result of Wells Fargo reps opening various checking/savings accounts which I did not need or want..I 've called the executive phone bank with Wells Fargo numerous times, given various bogus/incorrect numbers for Remediation Dept for unauthorized accounts. It appears Wells Fargo reps are trained to provide wrong numbers in order to dissuade customers from reaching correct dept. In order to locate correct number, I had to call XXXX, the company whom issues checks for Wells Fargo, given correct number which I've been calling on and off with no resolution ... I've spoken with several supervisors including XXXX and XXXX, requested whereabouts of checks, reasonable settlement offer, new claim rep assigned... To date, nothing done in re to any of those three requests.. Please note, the payment amount of {$3700.00} was reported to IRS for tax year 2020 and needs to be updated to show no payment since it was not received/cashed by myself. Failing to honor this request, Wells Fargo is liable for interest and fees charged by IRS, should my return be audited for not reporting such payment..

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 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau
State: ID

Complaint narrative:
Back in XX/XX/2021 I signed a contract with urban talent, and that same day was the last time I had contact with the company because I found out it was a scam. I never took any of there classes or did any photoshoots or meet up with any of the people that worked there. I didnt want to pay the XXXX because they are a scam and that I also never took any of the assets that the XXXX was for. Then i get a letter saying I owe XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
OnXX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on M J ALTMAN COMPANIES I ( Original creditor XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One Has refused to send me documentation for the disputed charges showing they are valid. the account currently has a negative balance from the disputed charges being reversed with no valid reason. proof of errors was provided to capital one for charges at the time of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was 2+ months away from closing on my new home. I wanted to check to make sure the incumbent lender was providing me with the best rates. I searched online and landed on RocketMortgage website. I answered a few questions online and then got a call from XXXX at RocketMortgage. 

I told him that I was shopping for mortgage rates, however I had already selected a mortgage company that was associated with the builder. I told XXXX that besides the interest rate, he would have to overcome a {$2500.00} seller credit. 

The first estimate was better by an eighth of a percent with points paid, however without the seller credit, RocketMortgage wasn't competitive at all. I reject the offer. 

XXXX came back to me a few days latter stating that he got his directors approval for a better estimate. In the estimate had over $ XXXX in " Other credits ''. See attached. 

I told XXXX that I don't understand how his company can provide $ XXXX in credits. He stated that his company will make it back through the life of the loan. He then asked for a {$500.00} dollar deposit to lock me in. 

As we got closer to closing, I asked for the final numbers and the final numbers no longer had the $ XXXX in credits. I later found out the " Other credits '' were not credits from the lender, but estimates for how much of the prorated property tax I would get since I was planning on managing my own escrow. 

I went back to my original mortgage company, however the rates went up and I lost the {$500.00} deposit. 

I asked RocketMortgage for {$1000.00}. {$500.00} for the deposit and {$500.00} for me to buy down points to get me back to XXXX. They refused stating the that " other credits '' were not " lender credits ''. The conversation that I had with XXXX occurred over his office phone and his cell phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH LVNV FUNDING LLC. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United We Collect, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The 3 Credit Bureaus are reporting inaccurate information on UNITED WE COLLECT INC XXXXXXXXXXXXXXX ( Original creditor XXXX XXXX XXXX XXXX ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I sent over affidavit explaining the violations on my credit profile and I havent heard anything back

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Vertical Screen
State: OH

Complaint narrative:
This trespassing charge is not supposed to be on my record after three years, of the legal residence I resided at and paid a fine and met compliance for. It also lists my birthdate incorrectly, in the court case, as XXXX, not XXXX, the correct date, and should have been thrown out, to begin with, of a charge for living in my own home that I would have inherited from my parents, had they not done this, and is still under dispute, since I was listed in my parents living will as a co power of attorney, and co-executive of the estate for my parent 's estate will, that I was not able to do, since they evicted me. My father XXXX XXXX 's original attorney of the estate will : XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, and they also had a new living will drawn up, with their new attorney, in the same firm. 

Case Number : XXXX XXXX XXXX, Ohio I would like to make a statement for this report on what this case was about. The address that is reported in a trespassing charge for XXXX XXXX XXXX XXXX, XXXX, OH XXXX, was the legal address, of my parents, where I resided most of my life, including my daughter. 
After my father passed away, my brother and his wife wanted to take my mother to their home and foreclose my mothers house, where I was living. I was originally appointed in my parents will as an executor of estate with my brother, but my brother and his wife had my mother change this. I had been taking care of my mother, who asked me to stay. When they wanted to take her out of the home, I was charged with trespassing, though really my mother could have stayed in her home if she wanted to but did not want to argue with my brother. All of my possessions and family possessions were never returned since I did not have a lawyer, and I also did not want to start a lawsuit. I have never had a record before, and this was an unfair case with my birthdate incorrectly listed in the eviction notice supposedly written by my brother 's wife. Whoever sent it to court, had incorrect information, and my mother was not well enough to start a lawsuit, and they foreclosed her home, which she was paying a mortgage for, and her bills were not late. This was a false eviction, as I was not a tenant in my parent 's home, but a legal resident of my family 's estate where my parents wanted me and my daughter to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: MD

Complaint narrative:
i had a claim on my collections report which I never received a bill from XX/XX/XXXX. They had billed the incorrect insurance. I was not aware it was on my collections until XX/XX/XXXX. I have sent several emails to the billing department including the eob with the payment information and the claims adjustor has sent the payment information including date of service, payment date and date payment was deposited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX AND IVE BEEN ATTEMPTING TO TRY AND RESOLVE THIS MATTER WITH CAINE & WEINER. PLEASE READ THE FOLLOWING NOTICE THOROUGHLY AND CAREFULLY BEFORE RESPONDING. IT IS A NOTICE. IT INFORMS YOU. IT MEANS WHAT IT SAYS. FOR THESE REASONS IT IS RECOMMENDED THAT YOU CAREFULLY CONSIDER THIS NOTICE AND RESPOND IN SUBSTANCE, WHICH MEANS ACTUALLY ADDRESSING THE POINTS RAISED HEREIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone has used my name and address to open an account with XXXX XXXX without my consent. The account is to be funded by a Wells Fargo bank checking account which I did not open. 
I filed a fraud alert with XXXX but failed to get in touch with Wells Fargo to close the checking account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This account is not mine. I have called them numerous times to demand validation of the said account and get it closed because I do not want to mess up my credit, but they give me the runaround every time and have never received any validation. I have disputed this but had no resolutions. I was defrauded and scammed. The account was not to be opened and not to be reported. I have requested numerous times for the account to be closed. They specifically failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. The company has willfully neglected my requests and have caused continual damage to my finances. They violated the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. They harass me and my family by threatening statements and constant calls. This is a scam & I was defrauded, I demand this to be thoroughly investigated promptly. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act. This inaccurate account is being reported in my credit records and is hurting my financial stability.

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent over affidavit explaining the violations on my credit profile and I havent heard anything back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent over affidavit explaining the violations on my credit profile and I havent heard anything back

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I called Experian today and asked that 18 hard inquiries be removed because they are unauthorized and was told Ill Be out on hold for a moment while she enters all this information into the system. That was over 30 mins ago and Im still on hold. When I called to complain and try again. I was again placed on hold, this time the man hung up. First time was female

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 2021-10-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contacted Paypal in XXXX to ask for a payment extension because I was not working due to COVID 19, instead the representative insisted that I enroll into a payment arrangement that would lower my payments and will stop them from reporting late on my credit report. 
I agreed to the arrangement, but that was not what happened. 

I made a payment and was told that all is well and that I should continue to make regular {$40.00} payments for 6 months. 

On XX/XX/XXXX I spoke with a Paypal representative to make a payment, but their systems were down. I attempted to logon to my online portal to make the payment but was unable to do so, which has been happening to me for months. When I request assuistance with accessing my account, an agent is never available to chat with me and getting a phone number to speak with someone is almost impossible. I was finally able to make a payment a week later, which at this time, Paypal had already reported my account late. I spoke with a supervisor and was told that although their systems were down, it was my responsiblity to continue tro contact them to make the payment. I did that and was unsuccessful and thus Paypal decided to report me late twice for an issue that was their fault. I did what I was supposed to do and they were unable to assist me at the time I was making the payment, which was on a Saturday. When I was able to make a payment, it takes days for the payments to post, again causing me to appear " late ''

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 2021-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation