vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have filed numerous complaints with the CHPB regarding my XXXX mortgages that i previously had with Wells Fargo loan XXXX and XXXX regarding properties XXXX XXXX XXXX XXXX MN XXXX and XXXX XXXX XXXX. XXXX MN XXXX. 

wells Fargo tried to foreclose on these properties back in XXXX. I had originally taken wells Fargo to court in XXXX and i won my case. 

XXXX XXXX ruled in my favor and had to contact wells Fargo several times after that to undo my foreclosure In about XXXX wells Fargo again tried to foreclose on my houses and would consistently deny my loan modification nor admit any wrong doing.. after many attempts Wells Fargo did a loan modification on my property at XXXX XXXX XXXX XXXX XXXX however, any monies that were in question were rolled over into the new loan. 

My property at XXXX XXXX XXXX was a different story. they refused to do a loan modification on my my house and i had to have it sold by a specific date. the house went to the Sherriff sale and went back to wells Fargo. I had to end up doing an emergency bankruptcy on my house to prevent this. i went through every process with WF Bank. the refused to admit any wrong doing with my payments. i showed proof and the result was the same. they pit the proof of burden on me when i had already showed them my payments and they had my ban statements. I've tried to go back to court, but most lawyers wont touch the bank or want more money than i have for a retainer or lawyer fees. I had to end selling my house for less than i could have gotten for the house and now the partial bankruptcy is on my credit file. there is a XXXX XXXX dollar fine against wells Fargo. i need to be part of the class action lawsuit against Wells Fargo. as the robbed me of my house my money and my credit plus all the anguish they caused me. They are the Devil.. my loan numbers were different prior to the current loan numbers. please contact me with anything that you may need from me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX last XXXX social 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 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRAN UNION XXXX : XXXXXXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  XXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) These lenders accessed my credit file illegal and I want them all to be deleted or remove from my file immediately : Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with Trans Union for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Best regards, 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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Td bank locked my account for fraud but I had no acknowledgment to due to me loosing my wallet and phone and I made a report on it already but everytime I visit the branch they tell me wait to 2days and nothing happens but its going on 3weeks and when I try to get in contact with somebody they never answer or gives me a call back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-02-09 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: AL

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

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XXXX, I was contacted by an individual stating that his name was XXXX XXXX, claiming to be from XXXX XXXX with a phone number of XXXX. He stated that he worked in a law office and was reaching out before this complaint was filed in court ; he further stated that it was previously with a debt collection agency and that they had been contacting me and sent letters ( to an old address ). He said that he was trying to collect on a delinquent credit card account ( XXXX ) for {$590.00}. I told him that I never received any letter. 

I asked him for a copy of what was sent by the previous collection agency, along with the detailed account information including when and where it was opened and the detailed charges. He stated that he didn't have that, and I would be given everything once the civil suit is filed. 

I monitor my credit regularly and nothing for this account has ever been reported. Furthermore, I contacted XXXX, and they did not have an account on file ( current or past ) and I also spoke to their collections department, and they did not have anything reported on my account. 

I was looking things up online and it looks it is a scam. There was a live chat online for assisting in instances of potential scams and the agent told me that it sounded like scam. The phone number came back as a VOIP # when I reversed looked it up. 

XXXX XXXX, XXXX XXXX ( XXXX ) is a scam!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: Kriya Capital, LLC
State: FL

Complaint narrative:
There is too much unacquires on my credit report. Fraud from following companies XXXX. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Tel # ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09 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: CL Holdings LLC
State: FL

Complaint narrative:
There is too much unacquires on my credit report. Fraud from following companies 1. 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 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 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 XXXX XXXX XXXX This Accounts/ Creditors as being reported has a CHARGE OFFs on my credit report. According to the guideline of Fair Debt Collection Practices Act, 15 USC. 1692 and as amended by adding following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth in Lending Act ( TILA ) is USC. 1601 et seq.. they have violated rights a consumer, consumer being me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have a Comenity-Carters credit card. ( Comenity Capital Bank ) I owed XXXX that was due on XX/XX/22. I paid through the billpay section of my bank. They sent an echeck for {$73.00} that Comenity endorsed and cashed on XX/XX/22. When I got my next statement, it said I did not submit the payment and was charged late fees. I called and opened a dispute. I sent a letter with a cop of the canceled echeck, they said it can take 90 days to investigate. I called over 20 times and was put on hold and transferred to many different people and was disconnected many times. The agents always said if we get disconnected, they will call back, but they never did. I finally got an agent in XXXX saying my next statement should say {$0.00} owed. The next statement showed I owed {$110.00} and I got a letter saying I had to open another dispute and send more documentation. I wrote the second letter and enclosed more copies of payments that I sent that they did credit to my account in the past. I then contacted them on their facebook page after being not helped on the phone. They gave me a corporate number, and someone will take care of the situation. After explaining it to XXXX he  said he couldn't help me and transferred me to someone who couldn't help me who transferred me to XXXX who said she was going to put me on with a supervisor. She said she has my number in case we get disconnected which we did immediately and there was no call back. I am very frustrated with this whole situation and our credit score is over XXXX, I do not want my credit score affected. It should not take over 4 months to take care of one transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-09 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: AL

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

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2023 I went to a BECU atm at XXXX XXXX XXXX XXXX and deposited {$920.00} cash. The atm accepted my money and it was rotating internally for several minutes, the atm errored out and restarted out of order. The atm then after several minutes returned to being active and in working order. I immediately called becu as this was happening. They submitted a form for review, apparently this form had the wrong address originally and several days later when I inquired they resubmitted and gave me a provisional credit. I then noticed they took back the credit and my account was now a negative balance. I called them and they said they did a review and there was no issue with the atm and it balanced. There is no way this could be true. 
They just took my money and there was no resolution for me other than to accept that BECU took my funds and I had no recourse.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Torres Credit Services, Inc.
State: IL

Complaint narrative:
i never have this account please is need to remove

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TX

Complaint narrative:
My XXXX XXXX account XXXX, is inaccurately showing as a collection account on all three of my credit reports even though its in good standing with the company and each violations of this is XXXX dollars per day until its fixed and I need to have this fixed as I am trying to purchase a home. Attached are all the documents showing that the account is showing up as a collection on my credit report which is in violation of federal law and has made significant impacts to my credit.

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 2023-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX. My wife 's name is XXXX XXXX. For the last 3 months, I have sent multiple letters to Tower Loan letting them know that I do not have the ability to call during my work time. I have also advised that my wife be the point of contact for any information as she is much easier to reach than I am. 

I do not get a " scheduled '' lunch break as I am on the road or in the office doing my job and working with clients. I don't have time to be on the phone. My wife has been disrespected, yelled at, and transferred without consent and even after she told XXXX that she didn't want to speak with XXXX due to previous experiences with XXXX XXXX XXXX transferred XXXX to XXXX anyway. The result of this was XXXX telling XXXX that she didn't want nor ask to be transferred and XXXX yelled at her stating, " I don't care what you want ''. XXXX has yelled at my wife, disrespected our family and our jobs, attempted to gaslight and manipulate my wife after disrespecting her, she hung up on my wife, and belittled us. This is not appropriate nor professional. I have TRIED to respond to the phone calls with letters but even with my own signature on a letter - my wife was told it wasn't me. Tower Loan has contacted people that were not references nor listed on the application, yet told them they were - so there's another sign of unprofessionalism, it was a lie. 

I have informed Tower Loan that we are experiencing financial hardship. We are trying really hard to get their payments to them, so the harassment does NOT help at all. Being harassed after we have already attempted contact and have tried working with this branch with all the resistance. My wife is the point of contact, plain and simple. 

My wife and I have decided that going to the XXXX XXXX XXXX to report the harassment and negligence is the best option. We were directed to the CFPB. 

This has been a massive waste of the time that I should have been spent working. We are working on getting payments to them. Like I have mentioned, we are experiencing extreme financial hardship at the moment and we are in fact working on it. We haven't been ignoring them. They've been ignoring us. 

If needed contact my wife at XXXX or XXXX. The issues listed above need to be addressed as it's happened too many times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NJ

Complaint narrative:
never did any business with this company, had all my id 's stolen from my apartment in 2019 keep having problems with identity theft, social security denied giving me new social security number which would solve this problem.

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