vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC.
State: OK

Complaint narrative:
Wanting to pay my line of credit in full. However, I need to update my banking information for that pay off. I can't update banking information online. I have spent the entire day trying to reach someone at NetCredit. Their phone system has disconnected me 5 different times after waiting online for 15 minutes. I finally got through and ended up sitting on an open line for 45 minutes. I could hear the agent singing and talking and it sounded like she just answered the line and then set it down. She was not on other calls because nothing she was saying sounded like business. While on the 45 minute open call I decided to call from another line and have now been sitting on that call for 40 minutes, no music nothing just the occasional static. 

Seems to me that NetCredit would like it near impossible to pay this line of credit off so that an individual doesn't have to continue to incur outrageous fees. My pay off is going up hundreds of dollars everyday I don't get it paid off. 

I did also send an email, but the auto response said it could be several days and suggested I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I've been attempting to resolve issue of missing payments in amounts of {$5100.00} as well as {$690.00} for several weeks, an affidavit was mailed in to Wells Fargo Remediation Dept several weeks ago, still shows pending with no information. From what I understand, Wells Fargo is attempting to recover funds before honoring their commitment to myself for these payments... These payments were offered to me by reps XXXX XXXX and XXXX XXXX via Wells Fargo XXXX XXXX. The payment amount, {$5100.00}, was offered to me over the phone in XXXX of XXXX, check intercepted and cashed by a third party which was investigated and supposedly reissued and never received.. The payment amount, {$690.00}, was offered to me by XXXX XXXX via phone mediation in XXXX of XXXX, never received.. The payments were sent to old address at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CT XXXX after I moved which was in XXXX of XXXX. I now reside at XXXX XXXX XXXX, XXXX XXXX, CT XXXX, moved here in XXXX of XXXX. Wells Fargo reps reply to CFPB complaints by referring to checks as cashed in which case, not by myself. It appears a relative intercepted, cashed checks in my name, do not know for sure. Reps also refer back to prior replies which state the same, checks cashed and no mention of affidavit sent in XXXX which was located and sent in several weeks ago.. As the CFPB can see, Wells Fargo reps continually avoid addressing issues by referring to replies which do not address non-receipt of payments. Further, as explained in numerous prior CFPB complaints, payment amounts are inadequate, do not cover damages sustained due to Wells Fargo reps opening accounts I did not need or want. The last rep, XXXX XXXX, whom has replied in the past and gave same run-around response, again referred back to prior replies which state checks cashed ... As the CFPB can see, Wells Fargo XXXXeps repeatedly use run-around reply, avoid addressing issue of missing payments and inadequacy. Most recently, I've been calling Wells Fargo Executive Office as well as XXXX XXXX Bank, given case numbers which are not resolved, no reply in re and or attempted to refer to XXXX XXXX which has nothing to do with remediation program, another run-around. In closing, the CFPB might want to investigate Wells Fargo Remediation Program as well as their behavior in handling these complaints including detailed above. Wells Fargo reps claim they will not keep replying, in which case such replies are a mere run-around and complaints will be filed with other agencies, if not resolved.

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 2022-01-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
My mom passed away, I took over her home. She borrowed XXXX in 2017, its now over XXXX. I made contact, and was told that they would work with me. They since have sold the loan 4 times this year. Every time I make contact, try to get all information its sold again. Now they are trying to foreclose and take the home I live in. The government informed me, and we raced to hearing. I am still in dark. I am being put off, I tried to get a loan to pay them yet I havent received anything from PHH. This has been going on for a year. My name is XXXX XXXX. My mother was XXXX XXXX. Please help me. I feel like I am losing my mind. After talking to the first two companies, they in courage me to put money into home to increase value, I feel it was to steal it from me. XXXX. I make good money credit score could be better I know. Please contact me and them to get in the middle of this before I am XXXX and on the news over over reacting. This is a nightmare thanks. 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 2022-01-14 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: Credit Technologies, Inc.
State: NC

Complaint narrative:
I had XXXX XXXX of XXXX XXXX complete a unauthorized Hard Inquiry on my credit on XX/XX/XXXX. 

I submitted an application early XXXX. On the XX/XX/XXXX we emailed about credit pulls. I requested to be notified before the credit pull, XXXX XXXX of XXXX responded he would need email authorization. I responded on XX/XX/XXXX that I would need it done before XX/XX/XXXX since I already was shopping around for rates with other mortgage lenders. I never heard a response from him until XX/XX/XXXX after this unauthorized incident. On XX/XX/XXXX I email XXXX XXXX stating that I was withdrawing my application. I also attempted various time to speak with him over the phone but kept getting his secretary who I also notified of my withdrawal. Today XX/XX/XXXX my credit was pulled by XXXX XXXX on behalf of XXXX XXXX without my approval. I notified XXXX XXXX and he contacted me via phone stating he would investigate, but also stated he didn't know what a resolution would be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Zarzaur and Schwartz, PC
State: AL

Complaint narrative:
There was a lawsuit between XXXX XXXX XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all XXXX credit bureau 's. XXXX removed immediately. XXXX and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my XXXX and XXXX report. It continues to hurt my credit. XXXX XXXX still continues to report to these 2 bureau 's. I have spoken with XXXX XXXX finally on XX/XX/XXXX. The law firm that supposedly handled this case for XXXX failed to report back to XXXX the court order. That firm is Zarzaur and XXXX, XXXX. I am faxing the court order in to XXXX XXXX per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for XXXX XXXX and this law firm, and reporting bureau 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: AL

Complaint narrative:
There was a lawsuit between XXXX XXXX XXXX and myself. This went to court and was DISMISSED with prejudice by the judge on XX/XX/XXXX. This was to be removed from my credit report. I Have disputed with all 3 credit bureau 's. XXXX removed immediately. Equifax and XXXX still have not removed. I have disputed with both of these bureau 's multiple times, providing all documents. It is still on my Equifax and XXXX report. It continues to hurt my credit. XXXX XXXX still continues to report to these 2 bureau 's. I have spoken with XXXX XXXX finally on XX/XX/XXXX. The law firm that supposedly handled this case for XXXX failed to report back to XXXX the court order. That firm is XXXX XXXX  XXXX, XXXX. I am faxing the court order in to XXXX XXXX per their request to their legal dept. Legal analyst name given was XXXX. The fax # provided was XXXX. I do not know what else to do to get this resolved. There should be consequences for XXXX XXXX and this law firm, and XXXX XXXX 's for this undue stress. It is wrong on every level. I provided all documents to bureau 's and called and confirmed that they received. IF the bureau received copy of court order, why would they not automatically remove??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Hey XXXX  ; XXXX ; XXXX ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. Wasnt XXXX sued by 39 Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across 38 states and Washington D.C. who were allegedly scammed by the company. 

XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: MN

Complaint narrative:
My mortgage through LoanDepot has reached its 80 % XXXX based on original appraised values, etc. I emailed them requesting to remove PMI from mortgage account over a month ago, and was told I would receive an update by XX/XX/22. No update was given, so I reached out to them again last week via their private that and was told it would be reviewed and they have not responded. I am requesting assistance to get the PMI removed ( one PMI payment has already been deducted from my escrow after the original deadline they gave me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 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: MA

Complaint narrative:
Hey XXXXt ; Transunion ; XXXX ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. Wasnt XXXX sued by 39 Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across 38 states and Washington D.C. who were allegedly scammed by the company. 

XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.

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 2022-01-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Hey Navient ; XXXX ; Experian ; For the last several months I been trying to resolve some issues with late payments with XXXX XXXX XXXX, but I havent received any documents that proves the validity of their claim and they continue to report incomplete, inaccurate, unverifiable information on my credit report. This has been devasting to my ability to get any loan or even credit extended to me. XXXX XXXX sued by XXXX Attorney generals, and cfpb before XXXX unfair handling and predatory issuance of student loans, it amounts to sufficient relief for hundreds of thousands of borrowers across XXXX states and Washington D.C. who were allegedly scammed by the company. 

XXXX knew that people relied on their loans to make a better life for themselves and for their children and instead of helping them, they ran a multibillion dollar scam, Pennsylvania Attorney General XXXX XXXX said at a XX/XX/XXXX press conference.

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 2022-01-14 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX as my lease was about to expire. During the lease buyout I was informed that Fifth Third Bank showed 3 missed payments on my credit report, which otherwise did not have any negative reports. As a result, I was not able to get a good interest rate on my new loan. 

On XX/XX/XXXX, I entered into a loss mitigation agreement with Fifth Third Bank regarding those 3 missed payments, which payments were placed at the back of the loan. I had co-signed on a car loan for my son, who had lost his job due to COVID-19 and was unable to make the payments. I explained this to Fifth Third Bank, which resulted in this agreement. 

I did not know that these missed payments were reported to the credit reporting agencies and would have disputed it earlier had I known. I called Fifth Third Bank on XX/XX/XXXX and they were not willing to fix the issue and basically said there was nothing they could do and to submit a complaint with ftc.gov.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX SS # XXXX Telephone- XXXX Date- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IDAHO Account number XXXX XXXX 15 U.S. Code 1605 - Determination of finance charge a ) Finance charge definedExcept as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( XXXX ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges. ( XXXX ) Service or carrying charge. ( XXXX ) Loan fee, finders fee, or similar charge. ( XXXX ) Fee for an investigation or credit report. ( XXXX ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. ( XXXX ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed. 

15 U.S. Code 1666b. Timing of payments b ) Grace periodIf an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge XX/XX/XXXX Account number : XXXX To Whom It May Concern, Kind 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 explanation
Consumer complaint received 2022-01-14 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: NY

Complaint narrative:
These accounts listed were opened without my knowledge. My identity was stolen to open these accounts. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. these accounts are with DEPARTMENT OF EDUCATION NELNET INC, LOAN SERVICER. this is willful defamation. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, .DEPT OXXXX EDUCATION 'S NELNET XXXXNC. which is ( still reporting )?, XXXX has held an investigation longer then 30 days and with willful intentions to keep reporting another FDCPA violation liable for damages. I have peacefully notified all arrived with proof of claim and statement, and have defaulted Nelnet Inc, with a Notice of Default via mail XXXX XXXX. I have not authorized any reporting or information nor should the information be reporting on my reporting due the primary nature of this investigation and complaints of not have any written instructions or " permissible purpose " pursuant to 15 US code 1681 B, also 15 USC 1692, they have no permissible purpose or my written consent. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character. Not to mention the Nelnet Class action suit filed XX/XX/2021 due to predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: PA

Complaint narrative:
As of XX/XX/22 I have received calls once or twice weekly ( and escalating ) from a company calling themselves Halsted Financial Services at ( XXXX ) XXXX. They use a robo machine to make collection calls and texts using anonymous numbers to avoid screening. Each time I have answered the same woman with a distinctive accent attempts to " verify '' my details before talking about my " debt. '' She immediately begins asking me for personal information and already has the last 4 digits of my Social Security Number. They claim I have a debt with XXXX XXXX, a company I have never had an account with as I have had XXXX XXXX XXXX XXXX for XXXX years. I called XXXX XXXX and verified with XXXX in their billing department that I have never had an account or debt with them. I then called Halsed Financial and the phone was answered by a woman with the exact same distinctive accent. She and her " supervisor '' both said they would take me off the call list with nothing more than my curt insistence that what they were doing was wrong. These people are committing fraud and the " less savvy '' need them to be put out of business. Thank you.

Company response to consumer: Closed with explanation