vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Uplift, Inc
State: AZ

Complaint narrative:
The account and information listed in the ID Theft Report were opened fraudulently and from an unauthorized use of my social security number and card. I did not authorize these accounts to be taken out, nor do they relate from any transaction by me. 

The company is knowingly and willingly committing Aggravated Identity Theft to collect on an extension of credit and punish me for non repayment of, when I am in fact not the debtor as they are alleging. This is a violation of 15 USC 1681a, 18 USC 1028A, 18 USC 894, The Gramm-Leach-Bliley Act, and RICO.

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury.

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Further, I am demanding that this and any account with your company that is attached to my name be deleted from your records and closed for good. 

Thank you for your help in protecting my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NV

Complaint narrative:
My name is XXXX XXXX and I was a mortgage lender for Sun West Mortgage. I recently have decided to leave that company for being predigest most of my clients. Recently I have had plenty of clients submit a loan application through Sun West. I have been originating for over 3 years at several companies. At this point I have never had so many issues to be able to provide a pre-approval for my clients. I have attached a loan application on 1 of my clients along with all the conditions and the XXXX findings giving us an approval. They refuse to provide a pre-approval letter to my clients. I have had situations where I have had to request 24 months of paychecks from my clients. My clients have provided that, and they will still not provide a pre-approval letter. This is ongoing w/Sun West . I am currently no longer with them. I have another file currently with them, XXXX XXXX has sent in all the conditions as well and they had not sent the file into the VA for review. They have discriminated against all my clients, even the Veterans I serve. Sun West has help back a lot of preapprovals from my clients after running their credit and submitting all the needed documents and they refuse to pre-approval any of my clients. They have violated so may laws in the mortgage industry. They discriminate and should not be servicing loans. They only provide preapproval letters to those they THINK is worthy. Regarding wither the client is truly approved or not. They set up files so that files for clients do not get qualified. XXXX is a VA file and they sent it to the VA with a 50.5 % DTI knowing it will not work. They refuse to let the client know why and how to help them qualify.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
incorrect information is reporting in the credit report

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
incorrect information is reporting in the 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 explanation
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: EQUIFAX, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX XXXX 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

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 is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The credit reports have false information. It has 2 XXXX XXXX accounts when it should have 1. It has $ XXXX balance of debts when it should be around {$150.00}. I have over $ XXXX in equities and the XXXX debt should have my score still around mid XXXX for such a low debt to income. Also, these companies lied and misled that they're available to do loans but they are not : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
On XX/XX/2022 my home was burglarized and all copies of my three children 's social security cards and birth certificates were stolen. We have a police report. 

After speaking with TransUnion over the phone on XX/XX/2022, I was able to put a freeze on my social security number. However, I was informed I needed to send in a copy of each of my children 's social security cards, birth certificates, and a copy of my driver 's license. 

After replacing my children 's social security cards and birth certificates, on XX/XX/2022, I mailed in a copy of each along with a copy of my driver 's license and a cover letter ( cover letter stated the purpose ( The minors need to add protection for their identities ( protected consumer freeze ), each child 's full name, birth date and file number, a list of contents included in the packet ( copies of all three social security cards and birth certificates, a copy of my ( legal guardian 's ) driver 's license, my home address and phone number. 

I mailed the documents TransUnion requested to place the protected consumer freeze on my children 's accounts to XXXX XXXX XXXX XXXX, PA XXXX On XX/XX/XXXX, I received three letters stating my request was unable to be processed due to missing required documents. 

After countless multiple phone calls over multiple days, hours and hours on the phone, speaking to many different TransUnion representatives this is the summary of those phone calls... 

They claimed they did not receive my documents. HOWEVER- Several representatives said they were looking at the copy of my driver 's license and cover letter which was included in the packet of documents I mailed. Obviously, they received the documents!!! The representatives are demanding we send MORE copies of the very documents ( social security cards and birth certificates ) to them again. It is not safe to send more copies of these documents. 

Where are the copies of the social security cards and birth certificates I sent to them on XX/XX/XXXX???? 

What do I need to do in order to get the protected consumer freeze applied to my minor children 's social security numbers??? 

This company is doing everything they can to NOT place the freeze on their accounts. 

I have requested a physical address to visit and bring in the requested documents in person, but am told that is not possible. 

Please help protect my children.

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: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The following notifications on my credit are fraudulent of incorrect. I have not changed address or applied for any new credit. My email was found in a security breach and the following is reported : I am seeing a new inquiry from XXXX XXXX XXXX on XX/XX/2023. 

I am seeing a new inquiry from Jpmcb Card on XX/XX/2023 I am seeing a new Inquiry from XXXX XXXX XXXX on XX/XX/2023 I am seeing a false address on my credit XXXX XXXX XXXX on XX/XX/2023 I am seeing a new inquiry from Jpmcb Card on XX/XX/2XXXX 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: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TRANSUNION is reporting an inaccurate late payment for the XXXX XXXX XXXXXXXX XXXX account ending in XXXX. This is a 30 day late payment in the amount of {$47.00} posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WELLS FARGO SETTLEMENT XXXX XXXX VS CFPB Wells Fargo Auto XXXX mismanaged my loan and wrongly repossessed for XXXX XXXX. 
The Wells Fargo Auto loan occurred on XX/XX/XXXX. At the time I complained, but fell on deaf ears. I did exactly what Wells Fargo told me to do and this still happened. The Repo action was on my credit report causing my financial damage. The loan and car value at the time was approximately {$200000.00} VIN # XXXX Wells Fargo had a payment plan in place for me. I made the payment in the time promised. 1 month car payment. 

My car was wrongfully repossessed days later. 
Initially I thought my car was stolen, but Wells Fargo Auto XXXX worked out an agreement with me that I complied with, and yet my car was still taken. 
My payment to Wells Fargo was received and deposited. Approximenty a week after repossessed, my car payment cleared my account.

I read an article in USA today about the settlement between WELLS FARGO and CFPb. I am victim in the lawsuit and should be compensated.

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: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I was a co-borrower on a loan with my son with Wells Fargo. He was 2 weeks behind on his payment. I called the company and told them I was going to make the payment so it wouldn't hurt my credit. They refused the payment and told me I had to pay 2 months or they would not accept anything. I could not afford 2 months and explained it to them. They said that was my problem and I would also have to pay late fees for the 2 months. I told them I would refinance the vehicle. I secured a new loan, and called them with the information. It took a few days past the end of the month to pay it off. They then put a late payment on my credit report. I called them and explained what was going on and they said too bad, not their problem. My credit score was impacted for 7 years till it finally fell off.

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: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Below is a letter that was sent on XX/XX/2022. I received a call this month stating that the lender sets the rates. I would like assistance with contacting the lender if possible : My name is XXXX XXXX, I currently work in the capacity of a XXXX XXXXXXXX ; due to the economy, my job has tightened funding and I need to redo my personal budget, as we are trying to keep afloat. 

I have been paying my student loans for over a decade on time and my balances are increasing rather than decreasing. Due various issues within my job and household, I am requesting an interest rate reduction and as I am experiencing financial difficulty. I am currently paying more than 15 % APR for my student loan interest on account number XXXX and 12 % for account number XXXX and it is truly taking a toll on me financially. I am requesting a reduced payment on my debt. I am requesting that I receive a reduction of 8 % as I can afford to quickly repay you. Also, I would like to request an interest abatement of six months. Please contact me, so we can come to a manageable solution as this is imperative that we do something rather sooner than later.

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 is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The credit reports have false information. It has 2 XXXX XXXX accounts when it should have 1. It has $ XXXX balance of debts when it should be around {$150.00}. I have over $ XXXX in equities and the XXXX debt should have my score still around mid XXXX for such a low debt to income. Also, these companies lied and misled that they're available to do loans but they are not : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit reports have false information. It has 2 XXXX XXXX accounts when it should have 1. It has $ XXXX balance of debts when it should be around {$150.00}. I have over $ XXXX in equities and the XXXX debt should have my score still around mid XXXX for such a low debt to income. Also, these companies lied and misled that they're available to do loans but they are not : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/2022, I was scammed through XXXX A person contacted me as a bails bondsman and I unknowingly sent {$2100.00}. Another transaction of {$800.00} was also sent on XX/XX/2022 to the same person. I contacted Wells Fargo within one hour of realizing it was a scam. I was given two case numbers. Weeks go by and I did not hear from my bank. I called them on XX/XX/2022 to check my claim status and was told that they are waiting for the receiving bank to reimburse my money. I have not heard anything back. I was not told who the other bank was. I was never notified about my cases.

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: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
PHH serviced a mortgage for me. 

I sold the home on XX/XX/XXXX. The escrow company, XXXX XXXXXXXX XXXX XXXX sent a wire to PHH on the same day to pay off my mortgage.

PHH returned the wire on XX/XX/XXXX, so XXXX XXXXXXXX XXXX XXXX resent the wire for the payoff. PHH returned the wire again on XX/XX/XXXX. XXXX XXXX XXXX XXXXn ended up sending PHH a check for the payoff on XX/XX/XXXX. XXXX XXXX XXXX XXXX took a loss because of the returned wires of {$430.00} PHH is charging me a late fee since my mortgage was not paid off by XX/XX/XXXX. 

I called PHH and spoke to XXXX. She was unable to answer my questions and there wasn't a supervisor available. 



Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
This debt is not mine

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Dear credit reporting Equifax, I've attached the documents for review these XXXX accounts were opened in my name fraudulently by someone else. Please remove or block it from my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX opened on XX/XX/2017 And XXXX opened on XX/XX/2017.

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 purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Was advised to dispute transaction when it was beyond the XXXX. Then I was mislead, given a large credit, and then charged back more than the original disputed amount by the credit card company! CapitalOne charged me back over {$9000.00} in error and then argued with me about it. CapitalOne finally admitted they made an accounting error but I continued to wait for the credit for over two weeks and a report was made to the credit agencies thus lowering my credit score! CapitalOne XXXX has the XXXX customer service department and practices I have ever experienced!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am having difficulty receiving my year end statement, and PNC has refused to provide me online access to my mortgage account or financial information. 

I received an email from USPS Informed Delivery that it was to have been delivered last Friday, XX/XX/2023, but it hasn't arrived. I have reported it as missing to USPS as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I have been paying double payments on the car an they disabled the car an won't let me earn money to get back on track

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