vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to request your help in resolving an issue I am experiencing with my current mortgage servicer, Truist Mortgage. I have spoken with countless associates, managers, etc., over the prior 6+ months to no resolve. My initial request of PMI ( Private Mortgage Insurance ) removal that began in XXXX of XXXX has brought to light multiple irregularities within my account ; 1. Mortgage Payment History - Truist Mortgage has numerously denied my petition for the removing of the PMI from my mortgage citing the following, " The investor of my loan XXXX, requires a borrower ( s ) to make 3 consecutive payments on their mortgage following a XXXX  XXXX related payment deferral or modification '' ( Letter included ). And while I did enter a " XXXX XXXX payment deferral program '', it span from XX/XX/XXXX to XX/XX/XXXX. I then made XXXX ( XXXX ) trial payments from XXXX to XX/XX/XXXX. Afterwards, I accepted a new loan modification that began XX/XX/XXXX ( Copy of the Note included ). All subsequent payments since have been made on-time. Therefore, the denial reason Truist Mortgages is using can not be accurate or valid. I say this as I have made 15+ payments since my deferral ended as of today. Additionally, many of the associates I have spoken with at Truist Mortgage all claim to see an unidentified payment or credit made to my account in XXXX of XXXX that exceeds $ XXXX within their system. Everyone also claims this payment or credit brought my account current somehow. However, no one can source where it came from exactly. I advised them these funds did not come from me and must be an error on their end. To which, they do not believe is possible. 

2. Mortgage Loan Balance - Over the prior 6 to 8 months Truist Mortgage has repeatedly reported the balance of my mortgage to all credit bureaus with significant differences each month. As a result of this, my XXXX rating has suffered tremendously. I personally feel this violates the Fair Credit Act. Another issue Truist Mortgage believes can not be true.

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 — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On the date of XX/XX/XXXX, I checked my credit report as I normally do monthly. I noticed that i had inquiries appearing on my credit report that I was unaware of. I reached out to the credit reporting companies and was told to file a police report, in which I did and faxed it over. Unfortunately this issue has not been resolved. I have once again listed the inquiries that appear. 

XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
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. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXXXXXX XXXX XXXXaccount number - XXXX XXXX XXXX XXXXXXXX / account XXXX XXXX XXXX / account : XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account : XXXX XXXX / account XXXX XXXX XXXX XXXX XXXX / account : XXXX XXXX. Account : XXXX XXXX XXXX XXXX / account : XXXX 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 convictions 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 non-monetary relief
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines.

Portfolio Recovery 's response, " Because we purchased the account and contract XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX and XXXX is required to validate the account, '' violates the provisions of the Fair Credit Reporting Act ( FCRA ) Section 611. This section requires debt collectors to provide verification of the debt upon the consumer 's written request. I have indicated that I did not receive such validation and verification and their response does not meet the requirement. 

In addition, Portfolio Recovery 's statement that " business records provided to us by XXXX XXXX Bank ( XXXX ), XXXX ( XXXX XXXX ) reflect that on or about XX/XX/2015, XXXX XXXX opened a XXXX credit card account ending in XXXX for XXXX XXXX whose social security number ends in XXXX, '' is incorrect and inaccurate. I have ordered a new social security card and will soon prove that the name associated with those last four numbers is incorrect. This means that Portfolio Recovery has no contract in my name and social security number and did not verify or validate the alleged debt. 

Portfolio Recovery 's violation of the U.S.C codes, including 1681i ( a ) ( 1 ) ( A ) and ( B ), 1681e ( b ), 1692e ( 2 ) ( A ), 1692e ( 5 ), 1692g ( a ), 1692g ( b ), and 1692g ( c ), constitutes passive harassment, coercion, and abuse with the intention of hurting my credit score and stifling my financial success. 

Furthermore, Portfolio Recovery is violating FCRA Section 611 ( a ) by refusing to reinvestigate the accuracy of disputed information when requested by the consumer, Regulation V ( 12 CFR Part 1022 ) by failing to provide written verification and validation of debt within five days of their initial communication with the consumer, and industry guidelines established by organizations such as the Association of Credit and Collection Professionals ( ACA International ).

I request that the Consumer Financial Protection Bureau take appropriate action against Portfolio Recovery Associates for their violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau Regulation V, state and local law in Illinois, and industry guidelines. I believe that Portfolio Recovery has failed to legally resolve my complaint and provide verification and validation of the alleged debt.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
Wells Fargo Mortgage on a refi application, charged a ton of fees and did not explain why they took 6 months to decline and my credit score was more than high enough. This is from XXXX or XXXX. Appealed and they still declined without explanation. I want my fees returned.

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 repair services
Issue: Excessive fees — 
Company: FREEDOM FINANCIAL NETWORK
State: PR

Complaint narrative:
Freedom has long known that certain creditors have policies against negotiating with debt-settlement companies such as Freedom.

18. For example, in late 2011, XXXX XXXX XXXX XXXX XXXX, a local XXXX XXXX XXXX XXXX, aired a story about two Freedom customers who complained about Freedoms inability to settle debts they owed to XXXX XXXX  confirmed to XXXX XXXX that it does not work with debt-settlement companies. So as early as 2011, Freedom had notice and knew or should have known that XXXX would not negotiate as a matter of corporate policy. 
19. Freedom has actively sought to reverse creditors policies against negotiating with debt-settlement companies. For years, it has maintained a team I was charged a total of {$6500.00} to date to settle XXXX worth of debt. Freedom debt relief is still negotiating with XXXX knowingly not able to settle the debt. They claimed that they paid XXXX 3 times because of a one time failed payment. They lied about the time frame of the settled debt. They mislead me by not informing me of the fees and time frame in which the debt will be resolved.

Freedom did not disclose to consumers before they enrolled in its program that they might be required to negotiate with creditors on their own, including by deceiving their creditors, in order to settle their debts. Freedom also did not disclose to consumers before they enrolled in its program that Freedom charged consumers its fee, usually in the thousands of dollars per enrolled debt, even when consumers themselvesnot Freedomnegotiated the debt settlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
When I opened the Home equity line of credit at my local XXXX Bank in XXXX Michigan, I was told that before the 1st year ends, I could call and lock in the 1.99 % year one promotional rate for {$50.00} fee. I called today to lock in that rate and was told that is not an option, that I can not lock in a promotional rate, that I could lock in a rate of XXXX0.24 apr for {$95.00} dollar fee. I was told when I opened the account to take advantage of this year 1 rate by spending now and locking in the rate. I was lied to, and the company could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
My account balance on XX/XX/2023 was {$670.00}. Banana Republic took out {$1800.00} on XX/XX/2023 because my statement balance on XX/XX/2023 was {$1800.00}. They took out {$1100.00} more than my account balance. This has created a financial burden. I requested they fix it and they told me it would take 10 business days to mail me a check even though I didnt pay via check nor did they have the right to take the extra money. I didnt owe it.. I asked that they reverse the payment they had processed in error or overnight my check and they said they would not. This is criminal. They should never take more money that what is owed to them. I will eventually get my money back but this practice of how they are processing payments should be examined and I would expect them to correct it and at the very least expedite an error when its this large of an impact. 

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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
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. XXXX XXXX XXXX XXXX - XXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXunt : XXXX 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 convictions 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 non-monetary relief
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: NJ

Complaint narrative:
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. XXXX XXXX XXXX XXXX - XXXX XXXX XXXX /account number XXXX XXXX XXXX XXXXXXXX number - XXXXXXXX XXXX XXXX XXXXXXXX / account XXXXXXXX XXXX XXXX  / account : XXXX XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX account : XXXX XXXX / account XXXX XXXXXXXX XXXX XXXX XXXX / account : XXXXXXXX XXXX. Account : XXXX XXXX XXXX XXXX / account : XXXX 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 convictions 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My father had a mortgage with Wells Fargo from XXXX until he passed away in XXXX. I his son was on the XXXX XXXX XXXX  on the home and was supposed to take over the home, but Wells Fargo did not want to work with me on the monthly mortgage payment and foreclosed on the home with me being thrown out of the home in XXXX. Wells Fargo has a Victim 's Compensation penalty account for anyone that was wrongfully done by any mortgage held by Wells Fargo back in XXXX XXXX and XXXX. I feel I have the right to be part of this class action XXXX and need to find out more how I can be part of it. Thank you for your time in this matter.

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 — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I took a forbearance option for Covid relief in XXXX XXXX XXXX  with Freedom Mortgage Corporation. During this time I was told XXXX of my options under this program was that I could put the payments missed toward the end of the loan interest free and that it would be discussed that the end of the forbearance term. I had XXXX extensions, XXXX in XXXX, and XXXX in XXXX XXXX XXXX, both to which I was informed for clarification purposes that my option was to put the payments at the end of my loan term interest free and this option would be enacted at the end of forbearance. It is now that time for this option to be enacted and I am told that option is no longer available under the VA and my only XXXX options is to pay an additional XXXX a month for 6 months it start a new term loan with skyrocketed interest rates under a new term if I qualify. Im not sure how this relief plan helped anyone but I am cheated.

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

Complaint narrative:
We have asked Experian to remove the following accounts XXXX XXXX XXXX that have wrong information, and have not, while XXXX, and XXXX have removed then they are unwillingly claiming the information, in general, is correct without specifying them. XXXX XXXX accounts are in error, as well as XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX original lenders are repeated in XXXX credit that has incorrect 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 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The company forfeited this account after I bought this credit line with a bank account it costed {$750.00} to open this line of credit after I bought the line of credit for XXXX was never subtracted from the full bal

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: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
When dealing with Credit Acceptance they were very demanding and harassing when we had our loan with them. They repossessed our truck when we had payment arrangements made so we thought with the company. We were finally able to pay off the loan. They added numerous additional fees to our loan throughout the life of the loan. They were a very difficult company to work with.

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: 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have a XXXX XXXX credit card that is in good standing and all payments have been paid on time and the full amount. XXXX XXXX XXXX XXXX XXXX, now XXXX XXXX ) reported that I had settled the account with the credit bureaus. This is inaccurate I did not settle this account, it is current and in good standing. When I tried to get help from XXXX XXXX credit card customer service they would not give me any assurances that they would correct the reporting.

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 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
COMENITYCAPITALBANK/XXXX- Credit Limit {$12000.00} ( Opened XXXX XXXX ). 
I reported this as fraud. My identity was stolen. My name is XXXX XXXX XXXX And the address that is linked to this account, I have NEVER lived. 
Also I was XXXX from XXXX. I have documents to proved. I also have a signed and notorized affidavit confirming my identity and this account not being mines. I need it deleted of my reports. If you check the XXXX XXXX search website, you will see I was released from XXXX  XX/XX/2022. XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The company forfeited this account after I bought this credit line with a bank account it costed {$750.00} to open this line of credit after I bought the line of credit for XXXX was never subtracted from the full bal

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