vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-07-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio Recovery is a dishonest company, I have called several times to arrange a payment and they have always turned down my payment offer. always with threats that would lead to court, I am unemployed at the moment, they do not want to help at all, They are a dishonest company making threats to people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-25 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:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I had car insurance with progressive saying that I had the car insurance in XX/XX/2022 and didn't pay the coverage in the amount {$350.00} When I didn't owe them any money due to me switching that month and started my new car insurance. XX/XX/2022 I was covered by XXXX XXXX  at that time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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 — Their investigation did not fix an error on your report
Company: Synovus Bank
State: FL

Complaint narrative:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I am filing this complaint against Wells Fargo and XXXX XXXX XXXX. 

My mortgage loan was transferred from Wells Fargo to XXXX XXXX in XX/XX/XXXX. Prior to transfer of my mortgage, my account was current with Wells Fargo. 

When my loan was transferred 10 months of payments to Wells Fargo " disappeared '' and/or were misapplied by Wells Fargo and did not port correctly to XXXX XXXX . Wells Fargo mortgage continued to assert to me that all my information was correctly ported over to XXXX XXXX. 

XXXX XXXX refused to talk to me because I was in a XXXX XXXX bankruptcy. However, behind the scenes they " ingested '' {$10000.00} worth of mortgage payments, applied them to my account, and then " reversed '' them from my account. Despite months of my pleading to XXXX and Wells Fargo, XXXX XXXX took me to XXXX XXXX Court to request a stay from relief so they could foreclose on my property at XXXX XXXX XXXX. 

I am attaching documentation showing my monthly payments to Wells Fargo including paying escrow shortages between XX/XX/XXXX and XX/XX/XXXX. Between fall of XXXX and XX/XX/XXXX, I was in a XXXX XXXX federally-sponsored COVID forbearance of my mortgage. 

I am filing a complaint regarding Wells Fargo misapplication of funds paid toward my mortgage and for not correctly transferring my payment history, monies paid, and account records to 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 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have always made timely payments on this account, and it is deeply unjust that I am now facing consequences for something that is beyond my control.

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 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torres Credit Services, Inc.
State: NV

Complaint narrative:
I am writing to report an identity theft incident and the wrongful collection of an alleged debt under my name. I discovered this fraudulent account on XX/XX/ and I immediately filed an identity theft report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Credit Acceptance is furnishing inaccurate information to the consumer reporting agency, The reporting of inaccurate information has caused severe damages to my character, my reputation and general mode of living and my ability to obtain credit for personal and home purposes-15 U.S. Code 1681a ( d ) ( 1 ) ( A ). Furthermore, Credit Acceptance has obscured the true cost of its loans to car buyers, leading to severe financial distress for borrowers and subjecting them to aggressive debt collection tactics on loans its own systems predicted that borrowers cant afford to repay. Reporting misleading high balance along with inflated interest, borrowers that default on loans, lead to severe consequences, including wage garnishment and an inability to borrow money in the future. A default on an auto loan can also lead to the borrower losing their means of transportation, which can cause job loss and a further spiral of damaged credit and financial distress. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. person- ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Prohibition- the action of forbidding something, especially by law.

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 2023-07-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Fraudulent ACH Payment Transfers on XX/XX/2023 Received Fraud Alert Text from XXXX Received follow-up call back from XXXX During this phone call, the Chase rep stated her name was XXXX XXXX XXXX She asked me to verify with codes several times. We went through several troubleshooting tests with emails and texts for about an hour. She noted that they would need to freeze the account while they investigated the fraud charge from XXXX. She gave me a new username and password and said that my new debit card would be in the mail after about a week. 

Once all my information was verified, they had access to do several fraud ACH transfers. I was not able to login to my online acct because I was told I would be getting a new card in the mail and while the acct was under investigation they had to freeze it. 

XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$49000.00} to XXXX XX/XX/2023 : fraudulent ACH transfer of {$8700.00} to XXXX Total transfers stolen out of my business checking account = {$250000.00} I've been working with my bank ( Chase ) since XX/XX/XXXX and they have told me there is nothing that they can do and that there is no way to verify this was fraud. They have never asked me any followup questions and/or interviewed me or done any real investigation to see that this has been a phishing scam. They claim that the scammer was able to verify, which is exactly what happened because they had hacked into my acct online and were able to forward the codes to themselves. I have had no support from my bank even though the phishing phone calls and texts were spoofed as their customer services lines. I have been offered no protection from this huge catastrophe that is affecting my business in a very dramatic way. I have given them my phone history, text history and still no aid has been given. If you look at our two year history of this account, there is no other transactions that even come close to these transfers. It is common sense that these have indeed been fraud, but I have been left with nothing and no protection. If anything, I have been treated like a criminal by Chase by them continually closing out my claims without asking me a single question. I feel completely vulnerable and not protected by my financial institution. It has been laughable how quickly they have washed their hands of this very serious incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
This is the XXXX of XXXX XXXX XXXX. 
We recently received a credit card bill from XXXX 's which we never applied. The account number is XXXX. XXXX {$15000.00} purchase at XX/XX/2023, INVOICE # XXXX. I've called XXXX 's about the issue and they told me that we actually don't have to do anything.

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 2023-07-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is furnishing income on my credit report. There are two accounts XXXX XXXX and XXXX XXXX listed on my credit report as charge offs. According to the IRS, charge offs are income and should therefore not be listed on my credit report. I have sent a certified letter to Equifax instructing them to remove said information within 10 days and they have not responded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CarMax, Inc.
State: CA

Complaint narrative:
CarMax Auto Attn : Customer Relations XXXX XXXX XXXX XXXX, GA XXXX Subject : Victim of Identity Theft - Unauthorized Auto Loan Application Dear Sir/Madam, I am writing this letter to bring to your attention a case of identity theft that has recently occurred and involves CarMax Auto. It has come to my attention that an individual has fraudulently attempted to open an automotive loan under my name without my knowledge or consent. This incident serves as a distressing reminder that such occurrences are not uncommon, as I have experienced similar fraudulent activities in the past. 

I want to express my disappointment and serious concern about the gross negligence that has allowed this fraudulent activity to take place. It is essential for CarMax Auto to prioritize the protection of its customers ' personal information and financial well-being. As a reputable automotive company, I would expect CarMax Auto to implement stringent security measures to ensure the prevention of identity theft-related issues and unauthorized loan applications. 

Under the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( XXXX ), I have the legal right to be protected from fraudulent activities and to have inaccurately reported information promptly corrected. I kindly request that CarMax Auto takes immediate steps to rectify this situation by : 1. Conducting an investigation into the fraudulent auto loan application that has been made in my name ; 2. Removing the unauthorized loan application from my credit report, preventing any negative impact on my creditworthiness ; and 3. Strengthening security protocols and procedures to safeguard customers ' personal information and prevent identity theft in the future.

I believe that CarMax Auto recognizes the seriousness of identity theft and its implications. I have already taken proactive steps to report this incident to the Federal Trade Commission ( FTC ), and I intend to cooperate fully in their investigation.

I urge you to rectify this situation without any further delay, as the damage caused by identity theft can be extensive and long-lasting. I trust that CarMax Auto will handle this matter promptly and responsibly, demonstrating its commitment to protecting its customers ' financial interests.

Should you require any additional information or documentation from me to facilitate the resolution of this matter, please do not hesitate to contact me at the phone number or email address provided above. 

I will eagerly await your prompt response and the actions taken to rectify this unfortunate situation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I had a payment due on XXXX, I could not afford to pay my monthly payment so I plan on making both payments next month, which is in XXXX. Ever since I missed this first payment ever, Comenity Capital Bank has been harassing me non stop calling me 10 plus times a day, and from different numbers, as well as calling me for a private number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Did not make or authorize this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Did not make or authorize this charge. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I made and authorized this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I made and authorized this charge. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - I made and authorized this charge. 

I contacted Pal Pal Credit M/C about the charges that were not authorized in XXXX when finding the unauthorized charges on my statement. 

They said they would investigate and make a decision within 60 days. They contacted me stating that they found in favor of XXXX XXXX. I asked for copies of the charges in dispute. I was told that they could not give me that information. 

They said they would file a second dispute. I was once again contacted stating that again I was liable for the charges. Again, I stated, I had the authorized charge receipts in my possession and wanted to see the receipts the unauthorized charges they claimed I made. 
Again I was told they could not show them to me. 

They made an adjustment removing the charges on XX/XX/XXXX only to rebill them back... 
XX/XX/XXXX XXXX XXXX XXXX SC {$92.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX SC {$190.00} The representative I spoke to this time said the two disputed receipts had signatures that didn't match and that I should send in my receipts, I said I would furnish copies and was told where to send them. 

A third dispute was now open and again I was told 60 days for a resolution. When it was well over 60 days I contacted PayPal M/C and asked how the dispute was going. I was told they had no knowledge of the third dispute and hung up on me. 

I contacted them no less than 6 times in the last 2 weeks and I get put on hold and then disconnected. I have wasted numerous hours with this process and have been left with no alternatives except to contact your agency. 

I have had this credit card for many years, never been late with a payment which is paid in full every month through an automatic debit from my bank. I have never had a problem like this in the past and refuse to be a victim for {$290.00} of unauthorized charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Apelles, LLC
State: PA

Complaint narrative:
I was an XXXX XXXX XXXX customer for 14 years. The equipment began to malfunction and I did not want to upgrade the system. 
On XX/XX/XXXX I paid an annual fee of {$350.00} for service from XXXX of XXXX through XXXX of XXXX. 
On XX/XX/XXXX I called to cancel my service. At this time I was still prepaid through XXXX of XXXX. I was told I would receive a refund of {$83.00}. To date, I have not received the refund. 
XXXX made a billing error and is trying to collect {$240.00} through Apelles. 
XXXX kept me on hold on the phone for over XXXX minutes several times. No one wants to fix this on their end. 
I requested additional information from Apelles, and they sent me a copy of the contract that was signed back in XXXX. There are no equipment fees owed on a contract that was signed 14 years ago. 
Apelles also provIded a list of all of the payments I made over the past XXXX years. This information backs the fact that I was prepaid through XXXX of XXXX and I do not owe XXXX money. 
No one has explained what the {$240.00} charge is for. No one is even reading over the information they provided, that substantiates my case. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I need to document this grumbling to TRANSUNION. I kept in touch with them the errors of my credit report including dates of last movement, dates opened, dates detailed, and installment status. They professed to have led an exhaustive examination, in spite of the way that it its north of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance.

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