vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: McKenzie Paul & Associates
State: TX

Complaint narrative:
I have made several requests to obtain debt repayment contracts from McKenzie Paul & Associates. They have not provided me with a SIGNED and dated contract between myself and McKenzie Paul & Associates. I have sent correspondence to this establishment on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have since sent a response stating they can not substantiate the allegations of my dispute and to provide name, address, phone number, etc., for validation. This is a ruse to hold this account illegally to my credit profile. This company has all of my information because it is posted on my credit report. They still have not provided me with the documents I've requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: MD

Complaint narrative:
company has not follow protocol as to remove items from my file that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
My husband and I have had a Wells Fargo Home Improvement card since 2016 with perfect payment history. His credit score is prime and mine is mid-range. We used the card once and immediately paid the balance within the promotional period. 

Since paying the card and even obtaining the card, nothing has significantly change with either of our credit or income levels which would cause us to not be qualified to keep the line of credit. 

Recently, I received notification from the credit bureaus that a card was closed and caused my score to plummet by 17 and 21 points, respectively, across the 3 bureaus. 

We did not receive ANY notification or communication from Wells Fargo our account would be closed. As a matter of fact, I attempted to contact Wells at the number they are reporting on my credit report and this number is DISCONNECTED. They are reporting on the bureau comments " Account closed at the request of the consumer '' which is a fraudulent claim -- neither my husband or I have requested to close this account. 

WELLS FARGO BANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX It is unacceptable for Wells Fargo to not send us notification letting us know why our account is being closed and causing harm to us as consumers by closing. We are in the middle of purchasing a home and this is causing significant damage to us as a result. 

Furthermore, I attempted to log in to the Wells Fargo online portal and the entire account history is gone! No account number, no payment history. Literally disappeared into thin air like it never happened ... 

If you attempt to download account activity there is an error that says " The system is temporarily unavailable. Please try again later. '' I don't even have an account number to attach to this complaint due to their failing system and errors.

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 2021-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XX/XX/21 at approximately XXXX, my chime card which I get direct deposit on was turned off ( transactions ). I had just gotten off work usually the money is transferred to my main bank account. Due to getting stuck over at work I hadn't transferred it yet. I needed gas so i stopped at the gas station to get gas, I turned on my card and got the gas as I was pulling off from the gas station my account wouldn't let me log in. Then I received a message saying that my account password was changed. Approximately one min later when I was finally able to change my password and access my account all my money was was taken out of my account except {$33.00} dollars. A in house transfer " pay to friend '' had happen and someone hacked into my account and transferred 2 transfers from my account to theirs. One in the amount of {$1500.00} and one in the amount of {$69.00} to a XXXX XXXX Since it was so late I couldn't contact the bank but i went into the app and made a dispute on these two transactions and the next morning I called when they opened and spoke to a XXXX XXXX and filed my claim again. She sent me a form to fill out stating the charges. I sent it back to her in an email. She stated she received it and it would be 10 business days if I could receive a credit. I called back and spoke to a XXXX XXXX and he said that I would receive the money within 24 hours. 24 hour laters no money was in my account. Due to the XXXX being a holiday I called and no information could be given to me about my claim. I explained I was out of my whole check and I couldn't wait I had bills due. He said it was a high priority case and they are expediting the process. Yesterday I talked to a XXXX XXXX and she stated they would be in on Friday XXXXAfter I call in and talk to an XXXX who wouldn't give me his last name " its against policy '' and says the credit would be available XXXX if I was able to get it. NOBODY THERE KNOWS WHAT THEY ARE TALKING ABOUT AND HAVE GIVEN ME SO MANY DIFFERENT ANSWERS! I explained its my whole paycheck and I don't have money this is my only source of income. Someone please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
In XXXX of XXXX, I was preapproved for financing with XXXX XXXX XXXX XXXX company. I used the XXXX XXXX to locate a new XXXX XXXX XXXX. I proceeded to the dealership to acquire the vehicle and printed out all paperwork provided by XXXX XXXX to purchase the car. While at the dealership, they kept asking to run my credit to see if I could get better financing. I respectfully declined advising them that I was closing on my house in a few days and I could not have any inquiries put onto my credit. The preapproval from XXXX XXXX XXXX XXXX did not put any inquiries there. While at the dealership doing my paperwork, I get a call from NMAC calling to verify my identity. ( I have fraud alerts and my credit file is frozen, and it was only unlocked so the mortgage companies could run my final credit check. ) I was informed that the call was being monitored and recorded. I asked why they were calling and I was advised my file was submitted for financing, I advised that I was not interested and I was already approved through XXXX  XXXX and would be proceeding with them. I did ask out of interest, how much the interest rate was at which time I was advised 7.22 % which was the same as XXXX  XXXX, so I again declined. I signed all of my paperwork, and on the financing contract is has XXXX XXXX printed and also the GAP contract has XXXX XXXX printed. Months go by and I am waiting to make my first payment to XXXX XXXX and I received nothing. I then received my statements from NMAC at which point I am confused in how my car was financed through them as I went through XXXX  XXXX, or so I thought. I went ahead and started making payments to NMAC as I was advised at that point there was nothing I could do, the deal was funded already. In XXXX of XXXX, my car was totaled and this situation was again brought to the light. In the process of me acquiring all of my docs to submit to the insurance company, I see that this deal was done fraudently. On my contract that was obtained from NMAC, XXXX XXXX is scratched out, without my initials confiming changes and in handwriting NMAC was written in. I also obtained a copy of my GAP contract which they failed to update with NMAC and it still had XXXX  XXXX information. The deal should never have been funded through NMAC and it shows on the contact where changes were made after my original signatures. I blame both the dealership and NMAC for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed the following Consumer Financial Protection Bureau Complaint # XXXX on XX/XX/XXXX and XXXX XXXX XXXX XXXX has already labeled the complaint as duplicate. This is unacceptable. I want to know why XXXX XXXX XXXX XXXX continues to label ALL complaints as duplicate without any explanation. ALL COMPLAINTS WITHOUT ANSWERING ONE COMPLAINT! The complaint -- -- - The following and attached is additional and further proof of fraud on XXXX XXXX XXXX XXXX Loan # XXXX. XXXX  XXXX XXXX XXXX continues to deny fraud but they can not deny they didnt have permissible permission to access my credit report for this loan. XXXX  XXXX XXXX XXXX continues to refuse sending copy of their permissible permission to access credit together with copy of the dated credit report. REGARDLESS, REVIEW THE FOLLOWING AND ATTACHED FURTHER PROOF OF FRAUD. On XX/XX/XXXX, I went in to the Sheriffs office to file the attached sheriffs report against XXXX XXXX XXXX. She uses many names including XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XX/XX/XXXX, a reward was offered for XXXX XXXX XXXX the same person in sheriffs report and listed as XXXX Top Ten Most Wanted for another related incident. In XX/XX/XXXX, XXXX was XXXX  for XXXX XXXX  and XXXX  in XXXX County Mississippi. See attached reports. When researching, I found much more including civil lawsuits and a picture of her in a magazine article XXXX XXXX XXXX  XXXX. See attached. This XXXX XXXX XXXX is the same person referenced in my XX/XX/XXXX sheriffs report that stole from my desk in XXXX. She stole XXXX XXXX, 2 XXXX  XXXX Cards ending XXXX & XXXX, XXXX XXXX, XXXX, my identification, and files including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX account, and file folder of login information with verification questions and passwords. I later became aware of two cars fraudulently purchased in my name. See attached XXXX XXXX XXXX XXXX credit applications for the two cars. See all inconsistences plus XXXX email address and phone number. XXXX XXXX XXXX added herself to many of my accounts falsely pretending to be my wife and impersonating. The fraudulent XXXX XXXX XXXX XXXX loan was and is not mine. It is obvious to anyone that XXXX XXXX XXXX is a con artist, forger, credit card abuser, and XXXX  XXXX  XXXX  XXXX as evident in her 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 2021-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
On XX/XX/XXXX I contacted a debt collection agency ( tulsa adjustment bureau ) regarding a written collection I received from them after having never gotten a first bill from the original medical lab ( XXXX XXXX XXXX  ). When I asked for the labs contact information on the phone, the collection agency employee refused to give it to me. I then had to call my doctor and get the phone number for the lab from them, and was told by them that tulsa adjustment bureau should have given me that information themselves. I have since tried yesterday and today to reach the medical lab over the phone with no success, despite leaving voicemails and calling repeatedly and waiting on hold repeatedly. This is the second time this lab has sent me directly to collections without first sending me notice of a bill so I can pay and keep it out of collections, and they are affecting my credit score unnecessarily and wantonly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mortgage Research Center, LLC
State: PA

Complaint narrative:
Over the course of the last two months, I have made additional principal only payments in various amounts, Instead of applying the principal payments to the remaining principal balance, Veterans United Home Loans has advanced my due date of the next regular monthly payment. I have made all my regular payments, I have never been late or missed a regular payment. I have sent them several messages thru the company payment internet site, With no resolution, I have rated their service on their website and got a call back from a XXXX XXXX ( XXXX ext XXXX ) on XX/XX/XXXX who has told me problem can be fixed if I make another regular payment, which I did with some more " extra Principal payment. This caused my regular payment due date to advanced by yet another month ( XX/XX/2021 ) and that additional principal payment caused my regular payment to be reduced in the amount of the " extra principal '' I have sent XXXX a screen shot this, and have not received a reply. I also reached back out to XXXX a few days ago, and got no reply, I have sent XXXX screenshots of my bank statements showing the payments they have received from me, the meanwhile I am being charged that interest on a balance that should be lower. 
This loan has no penalty for early payoff, I do not wish to be 3 months ahead on regular payments, all that extra money was for the principal as I have selected when I made the payments and have made very clear to Veterans United. Thank you

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 2021-01-20 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: I.C. System, Inc.
State: GA

Complaint narrative:
I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am a consumer pursuant to 15 USC 1692 ( a ) ( 3 ).

According to the Fair Debt Collections Practices Act, the company I bank with- Wells Fargo is a debt collector and has violated the FDCPA and the Truth in Lending Act. 

They are requesting I pay {$220.00}. 

According to the federal law, payment is gold or silver. 

The actions I have taken to address the matter is disputing the account that is my name. I have notified them that I'm a consumer and that they have used abusive, deceptive, due to unfair debt collection practices. 


Also I reached out privately to the company by mail disputing the alleged account that is in my name. I invoked my specified remedy as the creditor that the company lift the hold or suspension that's preventing me from actively using the account. Report as paid in full- showing my account reflection of it no longer being negative. As well as I instructed them to compensate me the monetary amount in damages listed on the invoice I sent with my affidavit for violating federal law that totaled to be {$16000.00}. 

The company committed the following violations 15 U.S.C. 1692 ( b ) ( 2 ) 15 U.S.C. 1692 ( b ) ( 3 ) 15 U.S.C. 1692 ( b ) ( 4 ) 15 U.S.C. 1692 ( c ) ( a ) 15 U.S.C. 1692 ( c ) ( a ) ( 1 ) 15 U.S.C. 1692 ( d ) ( 2 ) 15 U.S.C. 1692 ( d ) ( 5 ) 15 U.S.C. 1692 ( e ) ( 2 ) ( a ) 15 U.S.C. 1692 ( f ) ( 7 ) 15 U.S.C. 1692 ( g ) ( a ) 15 U.S.C. 1692 ( g ) ( a ) ( 1 ) XXXX XXXX the 'Case Specialist ' in the Enterprise Complaints Management Office responded on behalf of Wells Fargo stating that " We respectfully decline your request for compensation as were able to determine no error occurred '' in regards to my demand for compensation.

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 2021-01-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditor and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation

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 2021-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: IA

Complaint narrative:
I have held a loan via Chrysler Capital since XX/XX/XXXX. I have never had a late payment with this loan and unfortunately did not realize how quickly said loan would have become " upside down ''. My Girlfriend researched the XXXX  Consumer Loan Class Action Lawsuit and had reason to believe that my loan would likely qualify. 

Due to COVID-19, I had been waiting for an unemployment payment since XXXX XXXX, In XX/XX/XXXX, I reached out to Chrysler Capital to see if an extension on said loan could take place. I was assured all would be taken care of and my loan payment would not come due again until XXXX XXXX. On XX/XX/XXXX I discovered that they still deducted a payment in the amount of {$390.00}. I was told to file a complaint via Fax for the payment to be considered unauthorized and such would be refunded to my account. This Fax was successfully delivered on XX/XX/XXXX at XXXX XXXX CST. As of XX/XX/XXXX there has been no acknowledgement nor my money returned. 

This loan has carried a high interest rate, numbers frequently changing, no response to correspondence from the above mentioned dates nor messages filed on Chrysler Capital 's website on XX/XX/XXXX, a voicemail left on XX/XX/XXXX, nor another message again sent XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20 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: CA

Complaint narrative:
I have disputed information on my Experian credit report multiple times and it continues to stay. XXXX XXXX XXXX  account is reporting 120 days late. XXXX XXXX  provided me an affidavit that they would correct their reporting and remove the 120 day late in XXXX of XXXX. As of XX/XX/XXXX the account was still reporting 120 days late. I disputed with Experian while providing the affidavit and twice now they are continuing to report inaccurate information.

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