vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
LOAN MODIFICATION AND QUALIFIED WRITTEN REQUESTS RE : LOAN NO : [ LOAN NUMBER, ADDRESS, ETC., REMOVED AS THIS SITE INSTRUCTED NOT TO INCLUDE AT THIS STAGE OF COMPLAINT PROCESS ] RE : XX/XX/XXXX FRAUDULENTLY ORIGINATED COUNTRYWIDE LOANS IDENTIFIED IN XXXX FEDERAL AND STATE CONSENT ORDERS/STIPULATE JUDGEMENTS. LOAN ACQUIRED BY NATIONSTAR COOPER IN XXXX BUT DOZENS AND DOZENS OF REQUESTS FOR RELIEF AND/OR THE COMPLETION OF STILL EXISTING MODIFICATION APPROVALS NEVER COMPLETED/IMPLEMENTED. NO PERMANENT MODIFICATION RELIEF OF ANY KIND PROVIDED TO DATE. 

[ NAME ADDRESS PHONE NUMBERS REMOVED PER THIS SITE INSTRUCTION AT THIS STAGE OF COMPLAINT ] SEE ATTACHED COMPLETE UPDATED DOCUMENTATION ATTACHED AGAIN TWENTIETH+ TIME SINCE XXXX OF XXXX ALONE WITH MANY, MANY DOZENS PRIOR TO THAT FROM XXXX THROUGH XXXX OF LAST YEARS. 

ALL REQUESTS FOR RELIEF RELIEF HAVE NEVER RESULTED IN ANY MODIFICATION RELIEF OF ANY KIND INCLUDING AS SPECIFIED IN XXXX FEDERAL CONSENT ORDERS/STIPULATED JUDGEMENTS, TWO PRE-EXISTING MODIFICATION APPROVALS BOTH INCOMPLETE BY NATIONSTAR/COOPER INCLUDING XXXX XXXX XXXX XXXX PRE-EXISTING NATIONAL MORTGAGE SETTLEMENT " XXXX '' APPROVAL BY NATIONSTAR 'S PREDECESSOR XXXX THAT WAS SIMPLY AWAITING IMPLEMENTATION OF XXXX COMPLIANCE TO THE APPROVAL ( ONE OF TWO THAT NMS APPROVALS BY XXXX ) BUT NATIONSTAR/COOPER HAVE FAILED AND/OR REFUSED TO EVER COMPLETE IT BY SIMPLY IMPLEMENTING NMS COMPLIANCE THAT WAS PENDING. 
XXXX. XXXX NATIONSTAR MODIFICATION APPROVAL FOR WHICH NATIONSTAR REQUIRED CONSIDERATION/EARNEST MONEY DEPOSIT THAT WAS PAID BY ME AND CASHED BY NATIONSTAR BUT THE MODIFICATION APPROVAL WAS NEVER IMPLEMENTED XXXX. ENDLESS REQUESTS FOR ANY COMPLIANT MODIFICATION REVIEWS AND IMPLEMENTATION THE RESULTS MOST FAVORABLE TO ME/PROVIDING THE MAXIMUM RELIEF INCLUDING BUT NOT LIMITED TO LOAN EXTINGUISHMENT/FORGIVENESS/EXONERATION RECONVEYANCE XXXX. PANDEMIC LOAN MODIFICATION RELIEF, ETC. 

SEE ATTACHED COMPLETE DOCUMENTATION I AGAIN SUBMIT FOR MODIFICATION OF THE XXXX FRAUDULENTLY ORIGINATED XXXX LOANS AT ISSUE INCLUDED IN XXXX FEDERAL CONSENT ORDERS/JUDGEMENTS REQUIRING MODIFICATION RELIEF. 

I HAVE PROVIDED BOTH AN XXXX LINK BELOW AND AS A DIRECT ATTACHMENT TO THIS EMAIL CONTAINING THE COMPLETE DOCUMENTATION FOR MODIFICATION AGAIN REQUESTED ELECTRONIC SIGNATURE [ REMOVED PER THIS SITE INSTRUCTION NOT TO INCLUDE AS THIS STAGE OF COMPLAINT PROCESS ] XX/XX/XXXX NOTE : I PROVIDED EXTENSIVE/COMPLETE DOCUMENTATION AGAIN AS PART OF THE ABOVE EMAIL TO COOPER AND ITS COUNSELS TODAY BUT DID NOT INCLUDE THE LINK HERE AS YOUR SITE INSTRUCTS NOT TO AT THIS STAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I applied online for a personal loan with Navy Fed your company discriminated against I sent a letter to Navy Fed and its been over 30 days with no response. Navy federal has discriminated against me by denying me my right to extend credit which is a violation of 15 USC 1691 ( a ) also 15 USC 6801 ( a ) by violating my right to privacy and consent by communicating without my consent my non public personal information to a non affiliated third party TransUnion. Furthermore violating 15 USC 1640 ( a ) ( i ). 
Proof of violations included in attachment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I went through my account and I have several service charges from with draweals that were not authorized over the last 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 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Can not login to equifax online system or reset my password to add/remove a freeze. Forums on line indicate this password reset process is broken online which hinders my flexibility in freezing/unfreezing my credit. 

Website day after day week after week this website will not let me reset my password and access my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: TX

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6100.00}

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 non-monetary relief
Consumer complaint received 2023-01-21 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: TX

Complaint narrative:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$6100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have informed Equifax on numerous occasions that I am not able to see my consumer file/report nor access my credit score since XX/XX/2022 which I need for applying for a mortgage credit transaction. I have been denied from multiple lenders and my consumer file have been pulled from multiple lenders which resulted in multiple hard and soft inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
My life has been affected by the pandemic. I enrolled in hardship programs with the company that weren't explained well and the letter they sent out was misleading. I was given the wrong amounts for minimum payments which caused further confusion. I was also told once my account was paid they would file a credit correction but that never happened. If this is not resolved I will have to take legal action against the company because what they're doing is unfair to consumers who already suffered immensely during the pandemic. They reported my account 30 days late three times in a row which was not correct and also the program stated that you would not fall further behind. I was not 30 days late when I enrolled in the program. Please fix my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: GA

Complaint narrative:
XXXX, XXXX, AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 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: GA

Complaint narrative:
EXPERIAN, XXXX, AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS. 

COMPANY NAME : XXXX XXXX XXXX ACCOUNT # : XXXX -- -> {$1800.00}

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 non-monetary relief
Consumer complaint received 2023-01-21 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: MO

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2023-01-21 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: MO

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureau must validate these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$270.00} ; XXXX  XXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo threatened to sue me if I did not pay back my credit card debt. I had been on maternity leave and my husband lost his job so everything fell into collections. Wells Fargo then collected that debt in monthly installments and made me pay for their lawyer fees. It happened between XXXX, I was making payments of {$240.00} every month. Total amount was between $ XXXX {$15.00} XXXX when I only owed {$8000.00}. It shows up on my credit report and I still have the checking account statements that I made the payments from.

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 2023-01-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I mailed certified letters to XXXX and Experian on XX/XX/XXXX, requesting for them to send me documentation that prove that these accounts belong to me. I also spoke via telephone with representatives of credit bureaus in XXXX, XXXX, XXXX, and XXXX of XXXX in attempts to get these accounts removed because they are not mine. I have an active account with XXXX XXXX Bank, who reported a XX/XX/XXXX day late payment ; however, I was never late. Also. XXXX XXXX ( formerly XXXX ) is reporting late payments that I was never late on. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX ; Account name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX Bank # XXXX ; Account Name : XXXX XXXX  ( formerly XXXX ) # Unknown, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictio
ns of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo foreclosed on our home in 2012 despite a year-long battle to try absolutely everything and being denied multiple times for assistance from them. The investor who purchased our foreclosed home told us on the day he picked up the keys that Wells Fargo had no intention of ever helping us whatsoever, and knowing that, his company would specifically go for homes with Wells Fargo mortgages because they knew they never helped their customers. I contacted them the first month we were going to be late on a payment because my husband lost his job, they told me they couldnt do anything until the 90 day mark. When we contacted them again at the 90 day mark, they told us there was absolutely nothing they could do and they had already started foreclosure proceedings. They lied to me, I fought with them for a year to try to keep the house and they denied every single thing we tried.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America wants me to pay for the loss of the unauthorized transactions made by a thief who withdrew XXXX dollars from the lobby of bank centers in New York on XX/XX/2022, while I was in Texas. Bank of America alleged I was the person in the footage although I can prove I was not present in New York. Bank of America refused to discloset the footage to me and the police officer I filed with the case.

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 2023-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
**THIS IS NOT A DUPLICATE COMPLAINT** SantanderUSA took part in a financing arrangement without lawful consideration rendering the agreement void ab initio . Similarly, the agreement was created in breach by ignoring and/or not giving XXXX XXXX XXXX full gaith and credit, full benefit, full remedy and/or recourse, providing accommodation and consideration to all applicable doctrines and accounting documents with full disclosure and compliance of the following : 15 USC 1605 Determination of finance charge 15 USC 1662 Advertising of downpayments and installments UCC 3-104 Negotiable Instruments XXXX XXXX Any and All Obligations IRS FORM 1099 C Cancellation and Reporting of Taxes As a result of the deficiencies found within the initial agreement between XXXX XXXX XXXX and both SANTANDER BANK its affiliates, subsidiaries including but not limited to XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX we again move to exercise our Right of Recission pursuant to 15 USC 1635. This response serves as our Notice to Cure and any escalation of these matters will enjoin XXXX XXXX XXXX and the XXXX XXXX XXXX and may lead to legal process at your cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
funds was always taking days later or weeks later causing overdraft fees.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I've had several items with Wells Fargo since XXXX I left them because of all the fees

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XX/XX/2017 {$2500.00} they took my money and wouldnt give it back to me, so that I could pay my bills

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My accounts are always been charged fee 's. It taking all of my social security check each month.

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 2023-01-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The following inquires were not approved via the contact listed on my credit report. I am a victim of continuous Identity theft. My personal information was compromised and is listed on unsolicited sites. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.

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 2023-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was notified that If you had a Wells Fargo account between XXXX and XXXX, you might be one of the 16 million customers who qualify for damages, says the Consumer Financial Protection Bureau ( CFPB ). For bank account holders, some were incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent. I had a joint checking and savings account with my ex-husband. The names on the account were XXXX and 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 explanation