vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I had a total of {$2000.00} frauded from my account via XXXX. I did not approve this transaction or make this transaction. I contacted Wells Fargo soon after about this fraud case, and they recently reported on XX/XX/XXXX that they have not approved of my claim. 

The case number is XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REF # XXXX {$1000.00} XX/XX/XXXX XXXX TO XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX REF # XXXX XXXX XXXX XXXX XXXX {$950.00}

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 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-03-16 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: U.S. Auto Credit Corporation
State: GA

Complaint narrative:
Almost 7 years ago I voluntarily gave back my car to us auto credit. Since then they sold the vehicle and never disclosed info with me. So instead of taking off sale of car off loan they have been charging me late fees. I am working with XXXX XXXX  and for the last three months they have been reporting missed payments to a closed case. I have tried reaching out however I never get the same person and the 2 times I gave them my debit card number to try and make small payments they were trying to take more than allowed. Any help is appreciated as it will be 7 years in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
Almost 7 years ago I voluntarily gave back my car to XXXX XXXX XXXX Since then they sold the vehicle and never disclosed info with me. So instead of taking off sale of car off loan they have been charging me late fees. I am working with XXXX XXXX  and for the last three months they have been reporting missed payments to a closed case. I have tried reaching out however I never get the same person and the 2 times I gave them my debit card number to try and make small payments they were trying to take more than allowed. Any help is appreciated as it will be 7 years in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I have asked Credit Acceptance to remove the XXXX late payment they put on my report after I requested the Covid 19 relived.. Also my car was paid in full XXXX  years prior to the end of the contract. I have disputed this over 3 times. During Covid19 no late payment shouldve been recorded

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 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I have debt collection on my credit report I do not authorize I would to get it removed from my credit report immediately it do not belong to me I want it to get remove from all 3 credit bureaus immediately Collection agency name : AMSHER COLLECTION SERV Amount : {$930.00} Account Info XXXX Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: LA

Complaint narrative:
The account with ERC was opened in XX/XX/21. The representative over the phone stated that I would have to pay {$300.00} XXXX. I have already paid them {$600.00}. I stopped paying them once I realized they increased the balance from what was actually owed. I have disputed this with XXXX and XXXX. The company is still denying my claims and hurting my credit more than it should.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
On XX/XX/2022 PRA did a soft credit check on XXXX. I want to know why they checking my credit? is this for the same account? 

I only have one account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account 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
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account 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 explanation
Consumer complaint received 2022-03-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have attempted to fax my attachment to you several times but obviously my fax number is blocked. I have attached request to update my personal information and remove any personal information that does not belong to me from my report.

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 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
I have a debt collection report to my credit report that I do not authorize I would like to get it remove from all 3 credit bureaus immediately it do not belong to me Agency name : CONSUMER ADJUSTMENT CO Amount : {$1100.00} Account Info Account number XXXX Contact & address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/22 I accidentally sent a payment of {$2400.00} from my XXXX checking account electronically, using the bill pay, to my Capital one credit card account At the time my Capital one balance was {$190.00}. I have called Capital One numerous times, and also written, the last call was XX/XX/22 The account XXXX stated the money was returned to me via ACH to my checking account. It has never been credited. I had a three way conversation between XXXX, Capital One and myself. T he XXXX rep told the Capital One rep a credit has never been deposited to my account He checked from XXXX through present and no credit was posted. The Capital One rep stated their records show a credit was sent on XX/XX/22 and I need to follow through with the bank. XXXX said no credit was ever received and I need to follow through with Capital One. Capital One has closed my claim and will not investigate any further. The bank said they can do nothing further information I am currently out the full {$2500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am a victim of a crime from the man from XXXX name XXXX XXXX. He contacted me on XXXX to sell me a bag and accessories and I sent him XXXX $ wire. In return he sent me a box of garbage and when I confronted him he blocked me. I trusted him because of his XXXX XXXX he use account name XXXX XXXX. I got his name and address below ; XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX His bank account name : Wells Fargo Account Number : XXXX First payment XXXX $ date transfer XXXX XX/XX/2022 Second payment XXXX $ date transfer XXXX XX/XX/2022 Third payment XXXX $ date transfer XXXX XX/XX/2022 Total Value XXXX XXXX I did not received the goods I paid for. Please help me this is such a big lost for me. Thank you so much.

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 2022-03-16 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
Company closed previous complaint stating they were unable to locate my account. Which is simply untrue, as they report to the credit bureaus and received my certified letter which contained enough information to locate and access my account. I am uploading documentation to support my contention. Letter from XXXX, my certified letter to them, a copy of my XXXX credit report.

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 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
My bank account was compromised yesterday I called chase bank and they told my replacement debit card that I havent even gotten yet was compromised and they they cancelled It and will ship another one in 2 days and apply a temporary credit of the amount taken within 12 hours that never happened and they charged me 5 bucks for the replacement without telling me when I tried to call everybody is being rude and transferring me around and hanging up and refuse to fix the problem!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: KY

Complaint narrative:
I purchased a XXXX XXXX XXXX on XX/XX/2021. The dealership ( XXXX XXXX XXXX XXXX, KY ) offered me a {$500.00} sticker price reduction if I secured a {$10000.00} loan from Hyundai Motor Finance XXXX I received approval for the loan. 

I received a letter from Hyundai Motor Finance on XX/XX/2021, stating their records show the retail installment contract is paid in full. The original title certificate and XXXX release was enclosed. The letter instructed me to take the documents to my state 's motor vehicle division and apply for a new title certificate. 

I took the documents to the XXXX XXXX XXXX in XXXX XXXX Kentucky. The clerk told me Hyundai Finance sent me a XXXX release document with the incorrect file number and the incorrect file date. 

I have documented XXXX calls to Hyundai Finance on XX/XX/XXXX, XX/XX/XXXX of 2021, and on XX/XX/XXXX and XX/XX/XXXX. My notes include the name of the person I talked with as well as reference numbers for XXXX of the calls. I gave the correct file number and date to the customer service representatives but I have not received the corrected XXXX release document. 

I also contacted the dealership. My sales rep has been very helpful but his outreach to XXXX has not been successful. 

What are my options for receiving the correct XXXX release? I have waited for XXXX months.

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 2022-03-16 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: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account 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
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA

Complaint narrative:
did sellers report on vehicle collection agency will not leave me alone even send proof and said not their problem now every so often send me bills

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I received documentation from Portfolio in the mail which gave detail about the charges I allegedly incurred. 
According to the details of the report, a letter from XXXX Bank was sent to a XXXX XXXX. The letter indicated that a XXXX account had been sold to Portfolio XXXX. The letter was sent to the following address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX California XXXX. In addition, the report shows dates of purchase to the following : XXXX  ( XXXX ), XXXX XXXX XXXX and XXXX on XXXX ), and XXXX  ( XXXX ). 

I provide the following information to dispute these fraudulent charges : Address : I have never lived at the address noted or any address in California. I do not have any relatives, friends or acquaintances at this address. 
I have lived at my current address since XXXX, XXXX. I can provide documentation ( license, voter registration, etc. ) The California address is an office building and included in the address is a XXXX XXXX. 
In XXXX, I was informed by XXXX XXXX that the above California address was listed on my credit report and that my XXXX email was on the dark web. 
I notified XXXX in XXXX of the erroneous address and changed my email password and/or used a new email address for many accounts. 
On XX/XX/XXXX, I filed a dispute with all three credit bureaus regarding the California address. I was informed that the dispute was rectified in my favor and the address had been removed. 
The XXXX account, associated with my current address and email, does not indicate an outstanding balance. 
I have not used this account for a number of years and thought, based on a letter received in XXXX, that it had been closed due to inactivity. 
My credit scores on XXXX, XXXX, and XXXX are very high and there are no outstanding balances except this account. 
According to paperwork Portfolio sent me, a payment of XXXX was made on XX/XX/XXXX. There is no history that I made this payment through my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
Rushmore Loan Management sold the servicing of my mortgage to XXXX Mortgage XXXX. The transfer was made on XX/XX/2022, as of XX/XX/2022 my credit score dropped XXXX points. The problem is that Rushmore is showing the account as " closed '' not sold or transferred. I have tried speaking with them on the phone, and even filed a complaint with the XXXX. Their stance is basically that the account is no longer with them, so it is no longer their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting an inaccurate account on my credit. Equifax is reporting a hard inquiry from XXXX XXXX I have never done any business with this company, I have never signed any contract or received any services or products from this company. Equifax is inaccurately reporting this account on my credit report and it is causing me undue financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I was sent a transfer from the XXXX to XXXX on XX/XX/2022. 
Sender : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Beneficiary : XXXX XXXX XXXX XXXX 's bank XXXX " XXXX Bank XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  XXXX CHASE XXXX TRACKING NUMBER XXXX Amount {$900.00}. 

The recipient 's bank was told to look for a transfer of funds from you because they did not enter their account. Tell me when they will do it and if they will do it at all? Thanks My e-mail : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have been attempting to verify this debt ( XXXX XXXX ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and have not had any luck with a XXXX letter or verification. They only respond back that it's been verified instead of providing proof of how its been verified. I have been disputing to the credit bureaus as well ( XXXX XXXX XXXX ), that have this debt listed but not XXXX because they don't have it listed as it was removed.

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