vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 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: CA

Complaint narrative:
Employees at wells fargo used information from an existing mortgage account to open new checking accounts without authorization and consent. This has been reported as fraud to the police.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MN

Complaint narrative:
On XX/XX/2022, I submitted CFPB complaint number XXXX, in which I explain that CashApp will not let me access the funds in my CashApp account $ XXXX. CashApp replied, indicating that if I opened a second CashApp account and contacted CashApp support, that CashApp would then let me access my funds. Because CashApp replied, CFPB closed my complaint. I opened a second CashApp account $ XXXX and contacted support asking CashApp to allow me to access my funds. CashApp again refused to allow me to access my funds. Thus, I am opening another complaint.

Please do not close the complaint simply because Block responds to the complaint. Please close the complaint only after the matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I had a deferment on my mortgage due to covid relief at the end of deferment I signed a loan modification agreement and paid my mortgage on time and as agreed. They reported my loan late and that dropped my credit score by XXXX point and now other credit accounts are being closed due to their mistake that will further damage my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX I requested some assistance from Toyota Financial due to medical bills that have been piling up. I went on to their website and requested a payment extension through their support center. Toyota responded to me on XX/XX/XXXX saying it had been approved and stated my next due date is on XX/XX/XXXX. I received a call being told I am XXXX  days past due and I shouldn't be. I should only be XXXX days past due and I planned to make my payment on XX/XX/XXXX. The agent I spoke to was not actively listening and not validating the incorrect info.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
These accounts are not mine. Please provide proof that these were opened by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Dear CFPB Im writing this letter in reference to Portfolio Recovery, they have placed XXXX collection accounts on my credit report. I have asked them numerous times for a contract showing a signature or a recorded line to prove that this account is mine. These two collection accounts are not mine they do not belong to me. I never opened them, and this has been hindering me for a few years. I have been affected with this when it comes to getting car loans, credit cards, and housing. I have called them and stated that there is a fraud alert on my account, and I want a wet signature to show where and when I opened these accounts. Im requesting that this information be sent to me within 30 days, if not I would like these items to be removed by Portfolio Recovery. 
Its amazing how a company can list items on your credit report and claim that its yours and stop your forward progress in life. I refuse to start the year off in bondage. There has been no answers. I'm at the point where I'm planning to take legal action to have this matter taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
I wrote Cavalry Porfolio Services in XX/XX/XXXX, to have this debt verified or validated. In my letter I stated the document I needed per the law, to validate or verify the debt. I received a letter from Cavalry Portolfio Services dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating the debt was valid and attached my one bill. No other supporting document was sent. The original contract etc. After 30 days of no other supporting documentation to validate or verify the debt, I sent another letter on XX/XX/XXXX stating that per the Fair Credit Reporting Act Law, since they have not sent any documentation to validate or verify the debt, they must request for deletion from all credit bureaus. I received a letter dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, which a generic response of this debt is valid or verified, again without any documentation. I then wrote a letter to all three credit bureaus date XX/XX/XXXX, demanding they remove from the credit reports because the debt was not validated or verified and I attached all correspondences from Calalry and myself. After speaking with XXXX today, XX/XX/XXXX, they have removed from my credit file. XXXX refusues to delete even after receiving the correspondences between Cavalry and myself. XXXX is still investigating as of XX/XX/XXXX. As of today, XX/XX/XXXX, I still haven't received any documentation to verify or validate this debt from Cavalry Portfolio Services and they refuses to remove from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TX

Complaint narrative:
In XXXX of 2021, I reached out to the credit reporting Agency, Equifax, because I saw several items on my credit report that I did not give them permission to furnish. I received adverse action letters from banks stating that the bank pulled information from Equifax and due to the information that was on the report, they chose not to extend credit to me. 

I contacted Equifax in XXXX about the information on the report and I received a notice from Equifax stating I needed to be more specific about what shouldnt be on the report. 

I did not give Equifax any written or oral permission to furnish anything on the credit report ( 15 USC 1681 ) they are giving to banks. 
Equifax is committing fraud! And making it hard for me, the consumer, a natural person, to live a full life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
I had a deferment on my mortgage due to covid relief at the end of deferment I signed a loan modification agreement and paid my mortgage on time and as agreed. They reported my loan late and that dropped my credit score by 60 point and now other credit accounts are being closed due to their mistake that will further damage my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'VE UPDATED MY PERSONAL INFORMATION. BUT I AM STILL SEEING INCORRECT ADDRESS AND EMPLOYERS. SOME INFORMATION HAS BEEN UPDATED BUT NOT ALL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
We have made all our mortgage payments on time but suddenly lender started saying that we were 3 months behinds and asked us to make up at one time. We tried to talk with our lender and ask our lender to show which months mortgage was and were missing but no answers. At the same time, our lender has started to refuse our regular mortgage payments for more than 10 months up to today and we dont know how to deal with this. 

What do we need to do at this point? Do we need to go to court to resolve this issue? 

Thanks! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I contacted Navient about credit reporting for XXXX of XXXX showing inaccurately. I requested an investigation XX/XX/XXXX. I was notified today there were late payments in XXXX that were inaccurately reported those would be removed. However XX/XX/XXXX would not. This loan should have been in forbearance at the time the late was reported. I requested documentation for the forbearance and was sent another borrowers information which was a violation of privacy. I did dispose of those documents due to them not being mine. I had a situation like this before and when I disputed it was removed from my credit because the info was inaccurate. This is causing a strain on my credit and should not be there. I have tried numerous times to get this info corrected with no resolution. 

XXXX inaccurately is reporting a debt that was covered by insurance. I also have never signed a contract with this company and believe they violating HIPAA laws. 

XXXX is inaccurately reporting a debt I received a bill for {$530.00} XXXX disputed it with the credit bureaus and then got notification from the credit bureaus the debt was updated to {$2100.00}. I asked what is this about and they are staying the insurance company reverse a payment. I called the insurance company and they stated this is incorrect and they have no record of this. I have attached the initial bill that I have been fighting to have removed. The debt is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a business checking account in Wells Fargo. 

It looks like someone hacked my business bank account and made a direct wire payment of {$24000.00} to three people that I never recognized on XX/XX/2021. 
I immediately reported to the customer service on the same day around XXXX but he told me to leave a message to the claim department because the claim department is closed. So I left a message and called in early morning the next day and made a claim on XX/XX/2021. 
I received the first response from Wells Fargo around XX/XX/XXXX that they denied my claim because my ID and Password were used to make this transaction. I reclaimed again and provided a police report and Federal Identity Theft report to inform that my ID and Password got stolen by somehow. However, my claim was denied again in XX/XX/2021. Now, they don't allow me to appeal and forced to close my case. 
Even though their IP record shows that someone logged in my account from 4 different states, DC, TX, FL, and WI recently and my contact number was changed to the number that I never recognize, they still don't take my case as a 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 2022-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 1st Fidelity Loan Servicing
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and my loan number is XXXX  XXXX. I have been making my mortgage payments directly to S and A Capital at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. FL XXXX, telephone number, XXXX. 
As of XXXX XXXX Eastern Time, Tuesday, XXXX, the following checks have been mailed to S & A, but never cashed or presented for payment : Date Check # Amount XX/XX/XXXX unknown {$220.00} XX/XX/XXXX XXXX {$220.00} XXXX XXXX {$220.00} XX/XX/XXXX XXXX {$220.00} I was told by a representative of S and A Capital, that your firm was now handling my mortgage payments. Please let me know that you have received the items listed above, and that they will be processed as soon as possible. 
Is there another address that I should mail the payments to? Please advise. 
Will the XXXX, XXXX and XXXX payments be credited to year XXXX and be credited to the 1098 tax form for that year? Please advise. 

Thank You. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland credit credit management had someone drop off a packet that I'm being sued. Today I received a call from them. I feel harassed by Midland management. If they're suing me why are they still calling me? Bothering me while I'm at work.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
On XX/XX/21 just prior to the expiration of my lease ( on or about XX/XX/21 ), I mistakenly paid an extra {$1000.00}. When I discovered the error, in XXXX, called Mercedes-Benz Financial Services ( MBFS ) and was told that the Mercedes dealership XXXX which purchased the vehicle, got a credit for my overpayment and I should recover the money from them. The dealership denied that they received the credit and told me they had paid the buyout price reflected in my lease. I went back to MBFS and at the beginning of this month spoke to XXXX. ( Note : Hold time before reaching a human at MBFS has always been at least 45 minutes. ) XXXX XXXX was at first perplexed but did in fact call me back to say approximately half of the overpayment was applied to personal property tax, but he needed to do further research to figure out what happened to the balance and that he would call me again. He didnt. I just spoke to another woman at MBFS. She told me that the notes on my account indicate that I am owed {$490.00}. I asked when I should expect the refund. She put me on hold while she called customer service and then politely told me that the account was closed and I would not be getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
The section of the Bank XXXX XXXX and Privacy Notice entitled " Arbitration Procedures '' states, in part : " Either You or Truist may initiate arbitration by submitting a demand for arbitration to the arbitration administrator .... '' and " Any demand by You must be delivered to Truist Bank Legal Department, Attn : General Counsel - Arbitration Election, XXXX XXXX XXXX XXXX Mail XXXX : XXXX, XXXX XXXX NC XXXX, and our notice must be sent to the most recent address for You in our files. '' Based on the aforementioned verbiage, I am assuming that : ( i ) the usage of the term " may '' indicates that my submission of a demand for arbitration to the arbitration administer is optional ; ( ii ) the usage of the term " must '' indicates that a demand for arbitration submitted by me directly to Truist, and without submission by me to the AA, is a pre-dispute arbitration agreement; and ( iii ) the meaning of the term " address '' includes either : ( a ) the most recent account statement for my account; ( b ) my account itself; and ( c ) any other account statement for another account or the account itself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
The XXXX XXXX XXXX XXXX  - held by Comenity Bank is out of compliance with the Credit Card Act as they do not deliver my statement allowing me to have 21 days to pay my payment. 

Time To Make Payments. -- A creditor may not treat a payment on an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.. 

Every time I send a payment I get a subsequent bill that includes a {$35.00} late charge as they are stating that my payment was late. I am paying my payments on time and I believe there are not applying my payments timely. 

I just received my latest bill today - XX/XX/22 with a due date of XX/XX/22. That is only 18 days to the due date. 

They have reversed the fees in the past when I call and Im assuming they will again. However, I feel these fees are inappropriately assessed and less diligent consumers may be paying late fees they should not have to. I have several store cards and I am consistently having issues with a late charge on The XXXX XXXX account. 

Thank you for researching this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase Auto On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. 
I provided my social security number in order to seek out financing for this vehicle. 
The total loan amount was {$50000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction. 
I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: PLS GROUP, INC
State: NC

Complaint narrative:
On XX/XX/2022 I was at XXXX making a purchase for my household. After ringing my items I attempted to utilize my card three different times before I asked a store associate for help. She then attempted to help me four more times before I had to call the company itself. During this phone call I was told that I had to use the credit option instead of debt because of the fact that I did not have the additional funds to utilize the debt option. I also asked to speak with a supervisor and was provided with none as I was told it was only one working. I did not know nor was I told when I received the card that there were additional hidden fees. According to 15 U.S.C.1631 ( 3 ) ( C ) I was to be told about all fees before I was even presented with the card in which I was not. 15 U.S.C.1631 ( 3 ) ( B ) ( 2 ) ( C ) also states that only one fee per month may be charged. I have been charged several fees this month for using the money I supplied to this card for my endeavours. This situation was very embarrassing and when I told the customer service rep I and the store associate had tried the credit option and it still declined she proceeded to tell me I did not like she was in the store with me because the system said that I had not tried. This was humiliating making this call as I stood with tears running down my face because I was attempting to purchase food for my family and I without knowing about the additional fees. This is the XXXX pre paid card provided by the company.

Company response to consumer: Closed with explanation