vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: WI

Complaint narrative:
XXXX in XXXX is selling people cars with messed up loans. Credit Acceptance is breaking the law by charging people hidden fees in their contract and interest fees that arent legal. They also, sell you a warranty for your car that you cant use! Do not fall victim to XXXX or Credit Acceptance.

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I had a mortgage with WF. I had a house fire in XX/XX/2008, when housing was crazy. I got dumped into that bad mortgage market although I was something totally different. Ending up in a foreclosure. YOU tell ME what they owe me please.

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
In XXXX i had to file for bankruptcy due to the downturn in the economy. I tried to work with Wells Fargo by filing for a modification on several occasions from XXXX to XXXX. Each filing i had to show what my hardship was along with verification of income. Each time they said i didn't qualify or never responded. It was very nerve racking and eventually i had to go and work XXXX part time jobs along with my fulltime just to make payments and keep my house. I had to spend XXXX to file for bankruptcy due to them not giving the modification. I also tried to apply for a harp help through Well Fargo but they were not able to help me. There was no reason at all that i couldn't have been approved for the modification. I would like not only the amount i had to file for bankruptcy along with the amount of money i should have received from the modified loan from the time of applying until i refinanced with another company. 

I was also charged hundreds of dollars in Service charges on both my mortgage and my checking account with Wells Fargo

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 2023-01-30 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 — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hello. I am still an authorized user on a company credit card that I no longer work for. I left the company in XX/XX/2022 and have filed numerous disputes with XXXX. I have also requested the card to be closed through Citibank. The employer in question does not return my requests as I've had issues receiving my employment records and unpaid wages from them as well. The credit card is currently over the limit which has greatly impacted my own personal credit score. My credit score has dropped XXXX points due to this. The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2023-01-30 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:
Experian Fraud Dept Phone : XXXX XXXX XXXX XXXX XXXX XXXX Fraud Dept Phone XXXX ( XXXX ) XXXX XXXX and XXXX Fraud Dept Phone : ( XXXX ) XXXX please remove these accounts it does not belong to me its a fraud account please close and delete Thank You : XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Phone number : ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address : XXXX XXXX XXXX ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( 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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP
State: AL

Complaint narrative:
In XXXX of last year I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I was unable to work. I XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022. I have since returned to work but my mortgage is overdue. Please help me with this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They are calling me non-stop, almost everyday, sometime multiple times a day for weeks now. They are calling me while I am at work, which is oppressive, extremely frustrating, and affecting my ability to work. They keep trying to misrepresent who they are when they call to mislead me to believe they are a different entity by using dozens of different random auto-generated phone numbers to show up on my caller ID, but they keep leaving the same exact erry message. 

I've tried communicating that the debt is not right, I do not agree with it, and that I have to refuse to pay or continue to be harrassed to no end. Still, they persist to call over and over again. They are clearly violating the Fair Debt Collection Practice Act and need to be stopped. A lawyer told me they would file a lawsuit against them for me, but I am hoping that this might work faster.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting ACT this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Due to loss of income, in XXXX, we tried to work with Wells Fargo seeking for a loan modification assistance. After numerous months working and providing all documents requested by XXXX representative, we were denied of any assistance. We were informed to sell our main home or face with foreclosure. We ended up with short selling our home and moved out in 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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
I have had issues with fraud three times over a short period and was denied one claim during the confined timeframe discovered. I thought I did a great job in outlining the timeframe, the type of transaction, place of transaction and it's association to a legitimate transaction done at the same time. That being from XXXX to XXXX and additional three charges, at pay at pump at for the most part XXXX.. 

I laid out the basis of claim being I'm single no kids and only person that uses the card, and that outside the timeframe very little transactions at XXXX. The amounts are always {$30.00} {$40.00} {$50.00} for example. 

I get gas once daily and stop in the store for breakfast anything outside of this is fraud, and pointed out that before and after the timeframe this is consistent and true. 

Well, today, an online bank I started with 10 days ago, showed indications for the same scam going on. So I called me. XXXX XXXX of XXXX who LEDs me to XXXX in the aims department, who was brash, short, and uncaring. She indicated that since it's a chip card, it can't be duplicated so it's denied. This is a false statement. 

She also could not provide a timestamp for a transaction which was part of the original claim that was denied. How can you make a inclusive comprehensive investigation without basic information about a transction in question. 

I believe I am targeted and a simmer or some other technology has cloned my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: AL

Complaint narrative:
Mutual of Omaha Mortgage is holding escrow money belonging to us after we sent a written and signed by both parties " Waiver of our Escrow Account '' per their request. They refuse to allow us to add an additional {$10.00} homeowners ' premium payment to our monthly mortgage payment. They took this money and did not apply it for homeowners ' insurance premiums, but for an additional mortgage payment. The check was clearly written and marked for " Escrow '' only. Mutual of Omaha Mortgage tried to scam us out of more money for homeowners ' insurance premiums when our XXXX agent notified us to increase our payment monthly by {$10.00} starting on XX/XX/2022, this was done by mail. This company sent us an order letter to give " them more money '' for the escrow account to pay our homeowners ' insurance premium. We chose to pay our homeowners ' insurance premium ourselves arranged with our XXXX agent. They continue to not refund all the monies they have taken from our monthly mortgage payments for an authorized escrow account to which they are maintaining for themselves and not us, the borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
Bestbuy, is charging me {$830.00} in interest adding this amount to the amount that I already owned to this institution. They have a promotion to pay in 24 months but if this amount is not paid in total of the 24 months, they charge the total amount owned as interest rate. When I called them, they pushed to make me pay the full amount or the interest rate will continue. 
I have this store credit card for almost 10 years and I have never saw this charges. This is unfair and greedy. I have the statements to prove it.

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 2023-01-30 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: Affirm Holdings, Inc
State: OK

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX. I did not authorize these accounts. These accounts are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX. I did not authorize these accounts. These accounts are fraudulent.

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 2023-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accscient, LLC
State: GA

Complaint narrative:
Upon checking my credit using XXXX XXXX, I noticed a delinquent account from Nationwide Recovery Services for an amount of {$240.00}. The account information states that it was opened in XXXX of 2021. I check my credit regularly and have never seen this attempted collection on my account before, nor do I know what the charge is for. The original creditor is XXXX XXXX XXXX by XXXX. I did not receive any communication from them in regards to this charge prior to the opening of the XXXX account. 

I contacted Nationwide Recovery Services twice for more information about this account. The first representative was unable to locate the account. They searched their database using my social security number, my first and last name, just my last name, and any addresses that may have been associated with me. None of my information had any accounts associated with it. The second representative was also unable to locate the account. I believe this account has been incorrectly linked to me. Because it's not linked to me, I'm unable to even pay the balance and prevent the delinquent account from appearing on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2023-01-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo improperly reported a balance on a paid off closed credit card account and is now harassing me money, and frequently posts late payment inquires under my credit score. Which in turn is defamation of my credit score and my name. I have tried contacting them in XXXX of XXXX  and the customer service rep agreed she would look into it at she did she there looked to be an error. They since they keep reporting late payments on my credit report and hurting my 100 percent on time payments of 14 years.

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 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: GA

Complaint narrative:
I tried to make a deposit by my phone app before and after I saw a pending debit to my account that was going to cause my account to overdraw. I have always been able to make check deposits by phone. However, despite being able to log in, I kept getting an error, with a prompt to call a toll free number. I called and was walked through multiple tasks - uninstalling app, clearing cache etc and the app did not work. I was advised it would be escalated and receive a call back. To date no one has called back. I noticed an overdraft fee and so called today and was advised it would not be waived. Given I have moved from XXXX XXXX XXXX  and had no alternative to make a deposit, I am requesting a refund, especially for issues related to the reliability of the bank 's app.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells fargo continue to provide Inconsistent reviews with facts left out that are not reviewed by a Manager but multiple different representatives who have confused this case. I received a letter of conclusion per a XXXX complaint with final credit of my funds only to have them turn around by another representative and reverse the money back. Product ordered through FB XX/XX/22 for 1 bottle Keto Gummies {$59.00}. Merchant conceals final purchase and amount at checkout and runs it straight to the bank and you have no way of knowing what they charged until you check your account. They had fraudulent charged me {$250.00}. I received a fraud alert from Wells Fargo on XX/XX/22 and called them and told them I am disputing charged and I did not authorize {$250.00} on my card. The Merchant added on more products. They still let the charges go through after initially denying them. I called Merchant within 18 hours and asked why they charged my card with unauthorized products. They apologized said the order would be cancelled and gave me the cancel number which is same as order number for current and future orders. Despite this, they shipped product anyway. I shipped back on same day received XX/XX/22 via XXXX store. I provided Wells Fargo the receipts and even called them and asked them to do three way called after two reps at the company told me they cancelled the order. They would not get on a conference call but told me to have Merchant send a letter which they never did. Wells fargo credited my account back the money but since then had had multiple people confused about the issue get the amount reversed back. Facts are not stated and left out. I was told final credit in a letter they sent dated XX/XX/22 only to have money taken back again on XX/XX/22. They never had a Manager review any of it. I want my {$250.00} back. None of their people have the facts straight and do not know what they are doing. I only had one dispute with two numbers. I received a credit and reversal under the first, therefore, lady opened dispute in another number because she said she could not reopen and give money back under the closed dispute so she open the same dispute transaction but put under a different number. Same transition with two different dispute numbers not three or four as they are stating., I cancelled that debit card so Merchant wouldn't continue to recharge it. I want some accountability for this night mare by Upper Executive leader and bit an escalation specialist. I am not confident in their investigation and findings because there are a lot of missed information and facts and information that is not correct in their letters. Wells Fargo was sent multiple emails many times with receipts and letters and the cancellation number provided.

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 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I had requested a refund for a charge that was wrong. Amex found in favor of the business even though I provided screenshots of what I was quoted and what I was charged. Anyways back to my complaint, I asked Amex to close my credit card because I would recoup the {$100.00} I was overcharged by cancelling the credit card because this summer I wouldnt be charged the annual fee. Today, I get an email from Amex stating I cant close my account until I pay them back XXXX. I never agreed to any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to Equifax and XXXX regarding deleting these inaccurate addresses and inquiries from my credit file I have attached the documents you guys asked for now please delete the inaccurate information. 

Inquiries from Equifax / XXXX XX/XX/XXXX, XXXX XX/XX/XXXX addresses from XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 

ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation