vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
After I filed a discrimination complaint with this agency, B of A closed my account in retaliation for making a discrimination complaint. I filed complaints XXXX and XXXX, After I filed the 1st complaint the bank told me I could not have equal access due to being XXXX. After I filed the 2nd complaint for saying I could not have equal access the bank closed my account in retaliation and in violation of my rights under the ADA and other laws. The bank never accommodated my XXXX and never engaged in any good faith process to achieve any accommodation for my 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 monetary relief
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/2021 Received a notification about a wire transaction that was taking place which I did not authorize. I immediately tried to log into my account and was locked out. I called Wells Fargo to tell them about what was going on and that I did not authorize two wire transactions for a XXXX. They opened another account for me and I filed a complaint for the two wire transactions and was told it would take up to 10 business days to be resolved. 
XX/XX/2021 I checked my new account and saw that the funds for one of the transactions had been taken out of my new account. Called Wells Fargo and filed another complaint and again was told it would take up to 10 business days to be resolved.

2 weeks later I called back to find out that they had denied one of the claims saying it was not fraud. The two wire transactions were for the same account and they denied the one saying they could not detect fraud. I asked for them to to reopen the case or if I could speak to someone that could help me resolve this issue. I was told that a supervisor of some sort would be contacting me within 2 business days. No one ever called me.

( Wells Fargo records conversations )

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 2021-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2021, I sent a letter to LVNV funding requesting that they validate an alleged debt they placed on my credit reports. I received a response from Resurgent Capital Services stating that they are collecting on behalf of LVNV Funding. Since when a collection agency collects from another one, and neither one of them has provided me with the original application of this alleged account like I asked them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: CT

Complaint narrative:
I have an account and personal account information on my account that isnt mine. Ive tried to dispute it- I have even had it removed, paid to have it removed and its back on two out of three credit reports. I am on my second social security number because of ID theft and another person with same name And birthday in a different state- her info has shown up on my report for YEARS! I also can not contact the XXXX XXXX which Im trying to dispute. Because i cant confirm the adress and ssn. Doesnt match up with mine.

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 2021-09-23 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: CT

Complaint narrative:
I have an account and personal account information on my account that isnt mine. Ive tried to dispute it- I have even had it removed, paid to have it removed and its back on two out of three credit reports. I am on my second social security number because of ID theft and another person with same name And birthday in a different state- her info has shown up on my report for YEARS! I also can not contact the XXXX XXXX which Im trying to dispute. Because i cant confirm the adress and ssn. Doesnt match up with mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC
State: OH

Complaint narrative:
Valor Intelligent Processing has sent me a bill for {$3100.00} for my past due XXXX account. That amount is incorrect. The amount I owe is {$2600.00}. In addition to this, I have asked them to stop calling me and they have called me several times now.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: SC

Complaint narrative:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: NJ

Complaint narrative:
Credit Acceptance XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.

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 2021-09-23 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I paid XXXX XXXX/Comenity Bank the final payment on XX/XX/2019. I called XXXX XXXX and was told they would remove the negative information at the bureaus, but when I received the letter where they acknowledge ( " While we are confirming that your XXXX XXXX XXXX credit account is paid in full, keep in mind that any disputed amount is not included in this balance. Weve shared this information with the three major credit bureau reporting agencies. '' ) XXXX XXXX was one of many creditors that extended repayment terms during the height of the Pandemic. They did not keep their word. 

thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Radius Global Solutions LLC
State: FL

Complaint narrative:
I was a customer of XXXX and receiving suspicious emails around XX/XX/XXXX pertaining to activity on my account that had not occurred. In XX/XX/XXXX I received two emails simultaneously. One stating that XXXX had received my request to close my account and one that it had been closed. I called and spoke with an agent who told me my account had been closed the previous XXXX. I explained that was incorrect as I was currently using it and paying it. However, due to this, I paid my current balance and made sure it was closed and signed up with another company for security reasons. That was the end. 

This morning I received a notification that I had new collection on my credit report from radius global solutions pertaining to XXXX. I have not received a call or letter from either company in reference to any balance due. This is insane that these companies just decide you owe something out of nowhere with their backwards data and go immediately to your credit report not caring how it impacts your life.

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 2021-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: NC

Complaint narrative:
XX/XX/2021 I purchased a vehicle from JD Byrider. I was informed that I would need to put {$1000.00} down. I ended up putting {$1200.00} down for down payment and have been having issues with the vehicle since day 1. I was promised a reliable vehicle and that is not what i have gotten. The vehicle has been in their shop every week since purchase. My ac and heat has not worked multiple of times ( Ac actually stopped working 2nd day of purchase along with check engine light coming on ), car was overheating, there is sound of water under the hood, coolant filled back floorboard after they " fixed the heating cord '', AND THE MOST IMPORTANT DANGEROUS THING CAR HAS SHUT OFF ON ME WHILE DRIVING 4 TIMES. I dont mean sitting at stop light or stop sign. Foot on gas and car cuts off. They told me that they would pay off that vehicle and place me in something else. Cnac ( Finance company ) stated that I needed to put another {$500.00} down for a new vehicle. Manager stated he would work around down payment and on XX/XX/21they started backtracking. I am still without a vehicle as of today XX/XX/2021 and have been without one for a month now. They haven't even reached out to inform me on what's going on with the vehicle or even tried to make the situation right by putting into a rental until fixed, but yet the finance company is calling everyday for a payment on a car that im not driving.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: NJ

Complaint narrative:
XXXX XXXX XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX  to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX  and tin used to financially abuse my credit report by constantly putting on and taking off late payments that were made in compliance with the change of payment date from the XXXX  to the XXXX during the pandemic. Within the past 30 days they have made six changes to my credit report as my loan officer has been documenting everything like I have. They have recently blocked my account balance from being shown after they lied to the credit bureau that my balance was over {$2900.00}. I can not speak to this company because their representatives are uneducated disrespectful southern customer service representatives that are trained in collections not customer service. My Exhusband is responsible for this account, I paid two months out of my own money and instead of updating the balance they reported the balance almost twice as much to the credit bureaus. They know exactly what theyre doing it is one lady that handles this account and I would like to know her legal name. Consumer finance needs to investigate this company to the very end.

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 2021-09-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax needs to delete all those incorrect addresses, and incorrect spelled names. The only address that is correct is XXXX XXXX, Florida. Delete all the other addresses immediately. Also my name is missed spelled. Why is it taking so long to correct? My name is XXXX XXXX XXXX XXXX. This should be the only name on my report. Also, there is a bankruptcy that i been disputing on my report and it shows the date filed was XX/XX/2021. Why did you report this incorrect information? I am so tired of dealing with Equifax about all of these incorrect reportings. Isnt this a violation of the fair credit act? I DID NOT file for bankruptcy on XX/XX/2021. I want to see proof of verification on how Equifax came up with this information IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just learned of this in XX/XX/XXXX when I received bank statements that I requested going back as far as XX/XX/XXXX for a pending divorce I am in. Since XX/XX/XXXX I have been trying to acquire more documentation from Wells Fargo and they have stopped cooperating giving me what I am asking for as I think they know that they are liable since they sent me a mediation invitation letter. In my review of what I have been given so far, I am seeing the following wrongdoing on their part : *opening 6 bank accounts without my knowledge, presence or consent *failure to audit or flag these and a myraid of other WF accounts that my soon to be ex husband solely managed. I am seeing what looks to me like crimes of embezzlement, money laundering, money mueling, identity theft, fraud, tax evasion etc.and WF Bank did not catch any of it because they were with not auditing/flagging accounts or someone on the inside of the bank was turning a blind eye and allowing it all to happen *failure to report submit and IRS Form 8300 's and failure to report to XXXX XXXX ( XXXX XXXX XXXX XXXX ) regarding all deposits that were made over XXXX ( or increments totaling XXXX ) within a 15 day period between XXXX and failure to report to either entity suspicious banking activities *Wells Fargo cashed and/or deposited a bunch my payroll checks that my ex took fraudulently endorsed without my knowledge or consent.

*Wells Fargo allowed multiple debit cards in my name to be used at the same time without raising a question, so it is clear that my ex was using or allowed his girlfriend of 5 years to use my card ( he was living a double life during our marriage ), whilst I was using the another debut card with my name on it that he gave me, telling me that my old card was no good anymore ( which clearly I now know was a lie ). 
*I believe that my soon to be ex had a bank employee on the inside helping him to facilitate white collar crimes and may have been getting paid some hush money to turn a blind eye. I am speculating this but I do not know how my ex got away with everything he has done all those years without someone raising a hand. My ex had a personal po box that he was having everything financially related to that I had to access to and he did not allow me access to anything which is why I never learned of his crimes earlier than XXXX XXXX of XXXX because had I discovered it sooner I would have blown the whistle on him sooner. Wells Fargo in my view failed in their duties as a financial institution and should be held accountable and I believe I am owed restitution from them for my losses which between XXXX was over XXXX XXXX dollars.

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 2021-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PlusFour, Inc
State: NV

Complaint narrative:
This debt was to be covered by XXXX, I was covered by XXXX, if it did not get covered by XXXX then it was to be covered by 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 2021-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: NY

Complaint narrative:
I have refinanced our mortgage for a property I own in XXXX RI in XXXX of XXXX. 

The mortgage was refinanced through a company called Guaranteed Rate ( XXXX ). 

Our lender prior to that has been XXXX XXXX. Once the refinance went through the mortgage was immediately sold to XXXX. 

It took XXXX two ( 2 ) months to set up our account during which time we made two payments to Guaranteed Rate using temporary payment coupons. I can provide copies of processed checks for those payments. 

I can also provide a screenshot of our statements from the previous lender, XXXX, showing that those statements end in XX/XX/XXXX as well as a screenshot of our statements from the current lender, XXXX, showing that those start with the XXXX statement ( due date XX/XX/XXXX ) to demonstrate the gap during which payments were made to Guaranteed Rate. 

The issue is XXXX says they have no records of those two payments being remitted to them. They sent us a 1098 with 10 months worth of payments and interest because thats what theyre saying we paid.

The Guaranteed Rate representatives I spoke with said it looked like the money got stuck in your system somehow which is why we have not received a 1098 from Guaranteed Rate for those payments.

After a couple of months of back and forth received a 1098 from Guaranteed Rate showing the interest from the two missing payments and now a representative I spoke with says it does in fact look like the money was never remitted. 

Problem is I started getting a run around from every representative I spoke with after that. After over 2 month of emails and questions going unanswered they unilaterally closed my ticket with no resolution or refund and the only option they're now offering me is to start a new ticket and the process of looking into it again. 

To summarize XXXX is still saying they never received those payments and now we have the 1098 from Guaranteed rate for them which means that they did and the money is stuck in their system.

This means that Guaranteed Rate is holding two payments in the amount of {$2100.00} each for a total of {$4200.00} I would like to get those payments refunded so I can apply them to our mortgage directly with our new lender but I am getting no feedback or responses from anyone

Company response to consumer: Closed with explanation