vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: HI

Complaint narrative:
( All mailings were certified with return receipt. ) On XXXX I mailed documents including a Conditional Acceptance for Value/Proof of Claim ( s ) to the company requesting statement of accounts among other proofs from the company. They were given fourteen ( 14 ) days to respond. The company received my mailing on XXXX. I received no response. 
On XXXX I mailed an Affidavit of Truth-Notice of Default/Opportunity to Cure and a Bill of Particulars listing the violations I believed the company to have violated. They were given an additional 3 days. The company received my mailing on XXXX. I received no response. 
On XXXX I mailed another Affidavit of Truth including a Notice of Default/Second Opportunity to Cure and a calculated Bill of Particulars. They were given an additional 3 days to respond. The company received my mailing on XXXX. I received no response. 
On XXXX I mailed an Affidavit of Non-Response and Failure to Contest Acceptance and Agreement Evidence of Dishonor, a Notice of Acceleration and Demand for Payment. 
The company received my mailing on XXXX. I received a response on XXXX a letter dated XXXX in which the company rebutted only a couple of point made in my prior mailings. On XXXX, I mailed a response to their letter dated XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A check written to the XXXX XXXX Tax Collector Treasurer for {$8500.00} dated XX/XX/XXXX was mailed by me at my local post office in XXXX CA XXXX, on or about XX/XX/XXXX, was fraudulently endorsed and cashed through a personal account at a Wells Fargo branch on XX/XX/XXXX. I saw the check had cleared my account within the week after mailing and had no idea it was fraudulently cashed by someone other than the Tax Collector until I received a default tax letter in XX/XX/XXXX from the Tax Assessor stating my taxes were not paid and I was in default. After checking to see the check had been cashed and that the tax accessor had no record of the check I requested a copy of the cancelled check through my banking institution. XXXX XXXX XXXX. My Banker at XXXX XXXX XXXX and I then filed a Fraudulent Check Complaint # XXXX and submitted all the required documents to support the claim. 
Wells Fargo has a complaint number of # XXXX. 
I also filed a complaint with the US Postal Service online for investigation. I was told by XXXX XXXX XXXX XXXX that Wells Fargo Bank had up to 120 days to resolve and refund my {$8500.00}. As of the date of this complaint ( XX/XX/XXXX ) I have only received an automated message that my claim is pending research and there is no timeframe for resolution. I have all the documentation to support my claim and would formally like to file a complaint with your agency to help me resolve this issue. Please let me know if I can provide any further information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: CA

Complaint narrative:
I have a Square account that was set up and authorized only to take credit card payments and automatically send the received funds to my business checking. However, without my consent or authorization, Square opened a checking account and issued a debit card, then began depositing our credit transactions into this new, unauthorized checking account. I contacted them and requested a fraud investigation, thinking someone else had done this because there was an unsuccessful account takeover attempt around the same time the unauthorized checking account was opened. However, Square 's investigation indicated that other than the failed account takeover attempt, no fraud occurred including the set up the checking account and issuance of the debit card. I instructed them to close the unauthorized checking account and debit account, and return my account to its former, authorized configuration. They stopped responding and to date continue to use this unauthorized account for our deposits. In short, Square apparently decided to open additional accounts under our existing account and change the terms of our deposit arrangement without our consent or authorization. I believe this is similar to the fraud executed by XXXX XXXX between XXXX and XXXX, where their employees opened new services under existing accounts, without the account holder 's consent, in order to increase their apparent account base.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase offer {$10.00} credit for eligible credit card for purchases made through XXXX app. Eligible purchases were made in XXXX and XXXX credited properly. However, purchases made in the app on XXXX and XX/XX/21 show up as " XXXX ''. Phone calls were made to XXXX and Chase and both refuse to correct the technical issue. Chase refused to accept proof ( receipts ) that purchases were made in app and gave a boilerplate response that purchases made on other websites are not eligible. These purchases were not made on other website.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
During the Summer of 2022 due to hardship, I reached out to TitleMax for a loan on my car. I did not know this would turn into a nightmare. I was informed that the value of my car was {$6700.00} ( I later found out that my car value is between $ XXXX {$4000.00} ( more on the {$2000.00} side ) with a {$1100.00} payment per month to TitleMax. 

I reached out to TitleMax to inform them that I could no longer afford the payment and as always each time I have a question or a concern, I was informed that " you signed it or you agreed to it. '' On XX/XX/2022, I informed TitleMax that I was going to surrender the car and went in that day. The document that I had planned to sign was already pre-signed and dated by TitleMax. I informed TitleMax that I needed to read the document before I sign it. I decided not to sign the document because TitleMax wanted me to agree to a payment amount without knowing what that amount was going to be. 

On XX/XX/2022, I received a call from TitleMax regarding payment. I asked if I could get a copy of the document I signed. I was informed that it was against their policy to give me a copy of the document. I then asked if I could get a copy of their policy stating that and I was told that it was against their policy to give me a copy of their policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: VA

Complaint narrative:
Dear CFPB, Hello From XXXX XXXX of XXXX XXXX XXXX in XXXX, VA XXXX. 

I have prepared a very detailed PDF to Explain the Issue that you will need to Check in with Equifax About. 

It is our understanding, that for at least 3 years, Equifax XXXX has been providing our Credit Report data for our Business to a Little known 3rd Party Called XXXX in XXXX Utah. And, somehow that XXXX XXXX XXXX that XXXX has been Selling ( not just showing but profiting from ) is right next to the Equifax XXXX and being sold as " Equifax Says this is the Truth about XXXX 's Credit ''. And the XXXX XXXX XXXX and or XXXX XXXX score from Equifax that XXXX is showing is updated daily from Equifax XXXX 

2. Meanwhile, everty 6 months we obtain a Credit Report for XXXX XXXX XXXX Equifax that shows XXXX XXXX XXXX  as do XXXX XXXX XXXX and XXXX. 

3. And then, when I reach out to XXXX a ( little known ) company, profiting from Selling Equifax data, ( to other businesses or to lenders ) and show them proof and ask them to fix our Fake Equifax Risk Rating, they refuse because " It's not them it is Equifax '' and that has been going on for 3 years since 2020 and I am so angry that I want Equifax Counsel to know that I will NEVER give up on Justice and I will NEVER let you get away with this and I would expect for Equifax to be as angry as I am that XXXX a little company in Draper, UT is PROFITING FROM SELLING YOUR EQUIFAX CREDIT DATA NEXT TO YOUR LOGO EQUIFAX. ( Please see proof attached ). 

4. And then, when I reach out to Equifax they say the opposite, that I have to get this corrected with XXXX And that Equifax does not get concerned at all about another company 's Business Model even if it invoves Lying, and Cheating and Publishing Fake Data with the Equifax Brand. 

5. Please Ask Equifax to get this fixed immediately and without any further excuses. Even if they have to get a Court order ( injunction ) as I don't know yet if I can afford a lawsuit, and XXXX does not want to give up the sweet deal that Equifax allows for, and XXXX is Slandering my company every day. 

6. Equifax should not be able to get away with this any longer. Please see all Proof documents attached. Please fix this problem immediately. At the very least, tell XXXX to stop showing ANY Business Credit from Equifax if they don't receive accuarte data about us from Equifax. 

Thank you for understanding! This has been going on too long and I have had it!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you regarding an issue I am currently facing with Synchrony Bank and my XXXX XXXX account. I recently requested an investigation from all three credit bureaus, and they have all returned with the information that the account is accurate and verified. However, what they have reported is completely different from one another, leading me to believe that there may be some inconsistencies with the information being reported. 
I would like to express my concerns and frustrations about the conflicting information being reported by the credit bureaus. It seems that there may be some errors or inaccuracies in the information being provided, and I am unsure of how to proceed in rectifying the situation. I am hoping that you can assist me in resolving this issue. 
It is concerning to me that the credit bureaus are providing different information, which may negatively impact my credit score. 
I am requesting your assistance in investigating this issue and finding a resolution. I appreciate your attention to this matter and look forward to your response. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: OH

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. 
XXXX # XXXX has violated my rights XXXX XXXXXXXX # XXXX has violated my rights XXXX # XXXX has violated my rights XXXXXXXX XXXX XXXXXXXX # XXXX has violated my rights XXXX XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXX has violated my rights XXXX XXXX # XXXXXXXX has violated my rights XXXX XXXX  XXXX XXXX has violated my rights XXXX XXXX # XXXXXXXX has violated my rights XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights XXXX. XXXX XXXX  # 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 CONSUMER REPORTING AGENCY CAN NOT FURNISH ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15U.S.C ( A ) ( 5 ) 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 RPORT BY MORE THAN SEVEN YEARS 15 U.S.C 1681 S-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 2023-03-02 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: OH

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date XXXX XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had a few inaccuracies on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility by law, to report Consumer information to the best of their ability with Maximum Accuracy. I have inaccuracies reporting on the following accounts : Account Name : XXXX XXXX  Account Number : XXXX Please investigate and provide valid Proof with statements showing that these payments were late. If Valid and substantial proof can't be provided I demand these inaccuracies be removed from my reports. 

Signed : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX, Account starting with # 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

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 2023-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase has misapplied the majority of my mortgage payments to my principal and interest. 
Many large payments sat in suspense accounts while my higher loan balance could accrue more interest for Chase. 
I made a {$31000.00} payment on XX/XX/XXXX. Chase held the payment til XX/XX/XXXX before they applied the payment to principal and interest. My principal did not get paid down so I accrued more interest. The same thing happened with my {$200000.00} payment Then Chase reported me not making my XXXX mortgage payment to the credit bureaus and sent me to collections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLAZA HOME MORTGAGE, INC.
State: IL

Complaint narrative:
Plaza Home Mortgage has threatened on two occasions, to charge me approximately {$380.00} for supposedly not having homeowners ' insurance from XX/XX/XXXX to XX/XX/XXXX. I've called this company a total of four times in an attempt to correct the issue. However, when a supervisor is requested, they claim one is " not available ''. Their representatives are rude and unprofessional. I believe this irrational and illogical threat letter is retaliation for having filed previous complaints against this company with CFPB. I had insurance coverage from XX/XX/XXXX - XX/XX/XXXX, and I did not close on the home until XX/XX/XXXX, so I do not understand why this company is sending threatening letters when at the time, I did not even have possession of the property. 

This mortgage servicer is wholly and entirely incompetent. I request CFPB investigate this mortgage servicer in order to determine if they are retaliating against me for previous CFPB complaints filed against them. I have attached all relevant documents to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Back in XXXX XXXX CFPB helped get my stimulus money returned from TD bank. I have a {$68.00}. XXXX XXXX XXXX deposited {$850.00} into a closed account. They used the original card I used at the hotel. XXXX cashed in a {$4700.00} certified cashiers check, and the bank still hasn't returned my XXXX XXXX refund. The refund was sent XXXX XXXX XXXX XXXX is the manager at XXXX  and XXXX sent the funds to closed TD bank account. your agency got my {$600.00} returned td bank is criminal they still haven't paid me my money from XXXX. They're at fault for not verifying that certified bank check and allowed it to come through. There were three refunds sent to the td bank account. 
XXXX did fraud she didn't close the account in XX/XX/XXXX the funds from TD went to it they also kept that. I'd like my XXXX XXXX  refund returned. TD bank is criminal fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
My XXXX  credit monitoring account shows a hard inquiry using my information to : COMENITYCAPITAL/IKEAXXXX XXXX XXXX XXXX XXXX, OH XXXX Inquiry to my credit monitoring account was made on XX/XX/XXXX for a  credit card.

Company response to consumer: Closed with non-monetary relief