vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
We have had multiple issues with our escrow account through LoanCare and XXXX XXXX. They are by far the worst servicing company I have ever experienced, through over 5 separate mortgages we've had. First, they refunded us $ XXXX from our account that needed to be used for taxes. When the taxes came to be paid, we waited for them to send us the notice to pay back the amount and it never came ( the funds remained on the side as we knew it had to be paid back. ) We received our tax bill from XXXX XXXX and they had to make adjustments to the value ( decreasing the amount due by appx $ XXXX ) and I've submitted to the loan servicer multiple times in the last 30 days so they can update our escrow needs. They continue to tell us it will be reviewed but in the meantime are trying to have us pay the higher amount towards our escrow. When the letter finally came regarding the $ XXXX, they did not give us an option to pay that alone, and just adjusted our mortgage payment by $ XXXX. 

Due to the constant errors in our escrow account, we've continuously placed requests to delete our escrow account and we would pay accordingly with XXXX XXXX and insurance company. They keep making excuses why it can't be done, saying the case will be " escalated '', and nothing happens. We have called over 10 times in the past 10 months to try and have the issue resolved. They told us we'd need a new appraisal to confirm we had 20 % equity in the home, so we confirmed we'd pay the fee and to order it. We called on several occasions over the last year to know when the appraisal would be ordered/completed and no one could answer. They told us a letter would be mailed with the cost and to sign off but a letter never came. 

This has been ongoing since we closed on the property since XX/XX/2021. We can not get ahold of anyone, the numbers we agreed to pay are incorrect, our tax escrow is incorrect, and after multiple requests to have everything resolved we are ignored, passed off, and lied to about why they can't help. We just want this fixed and to pay the proper amount on our mortgage. We've never missed a mortgage payment in over 10 years, have plenty of liquid assets, and no reason why we can't correct these items.

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 2023-02-02 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: TX

Complaint narrative:
Received an alert that there was a new Hard Inquiry on my credit report made on XX/XX/2023, by Comenity Capital. I did not authorize the credit check or apply for credit or a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I bought a XXXX  XXXX XXXX From a dealership called XXXX XXXX sales company, XXXX, Ohio, XXXX XXXX XXXX. XXXX phone # XXXX XXXX With XXXX miles on it. I feel like I was taken advantage of the dealor sales person.. I was just excited about getting a car loan, Very nave before you know it between the warranty was {$3500.00} the gap insurance with {$1000.00} thats low jack three-year plus XXXX warranty which I dont know {$690.00}. And other fees that is paid to a public official. Bringing the amount finance to {$22000.00}. Making my payments {$610.00} a month at 25 % interest. I called the loan company which is named Bridgecrest XXXX. Is there a number.. I wanted to cancel the additional fees that was never told to me and see if they would lower my monthly payment. they said to me over the phone that they can cancel the {$6000.00} extra fees added to the loan but it will not lower my payment of XXXX a month but if I ever pay it off by canceling the additional services I can pay the principal my main thing is I wanted to get the loan down to a reasonable amount. I thinkXXXX is a lot of money when I was totally misrepresented I do like the vehicle but its not worth the Money.. Im hoping you could do some good.. My name Is XXXX XXXX I live at XXXX XXXX XXXX. XXXX XXXX OH XXXX and my number is 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 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Malen & Associates, p.c.
State: NY

Complaint narrative:
My brother in laws ' bank account was garnished and a hold was placed on his account on XX/XX/2023. My name is on his account for safety purposes only. I have never deposited or used his account. The plaintiff is Malen & Associates, PC. I never received a summons from this company. My income is only from my social security and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
To Whom it may concern, Myself XXXX XXXX XXXX XXXX ) Car loan/ House Loan ) XXXX XXXX XXXX ( XXXX XXXX XXXX car loan and mortgage ) and my XXXX XXXX XXXX XXXX XXXX ) XXXX mortgage ) ( i have power of attorney for her ) We all had loans with wells Fargo in the years XXXX and would like to be added to the law suit of being charged extra fees and interest.

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 2023-02-02 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: NC

Complaint narrative:
This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my 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 non-monetary relief
Consumer complaint received 2023-02-02 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: T.S. Holdings
State: NM

Complaint narrative:
I have enclosed proof of payment to XXXX @ XXXX not IQ data??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
We had a vacation rental scheduled for XXXX in XXXX, XXXX. When the hurricane hit them on XX/XX/28 it wiped out the causeway so we were unable to occupy the rented home for our vacation. The rental company would not return our funds and so we turned to our credit card company under the services not rendered clause. They only returned the one transaction claiming the other transaction was valid from cancelling our visit. We did not cancel and I provided them plenty of documentation showing this but they refused to reverse the decision and when I provided further proof from the actual rental company telling me to work with the credit card company said we had run out of time, even though their representatives told us there was no timeframe!

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

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2023-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a cashier 's check from the bank lobby of XXXX XXXX on Tuesday, XX/XX/XXXX and deposited it in a lobby ATM at the closest Wells Fargo lobby to my house. The subsequent deposit confirmation said the money would be available the next day on Thursday, XX/XX/XXXX. On Thursday, I received another E-mail from Wells Fargo stating there is a hold on my check and the funds would not be available until Friday, XX/XX/XXXX. Cashier 's checks don't take XXXX calendar days to clear.

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 2023-02-02 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 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 2023-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
We refinanced our Wells Fargo mortgage with XXXX XXXXXXXX XXXX XXXXXXXX was shut down by the FBI due to fraudulent practices, 5 days after we sent them out first payment! XXXX  XXXX never paid the balance on the existing mortgage! Somehow, we began getting billed for both full loans! 
We then called Wells Fargo to try and reconcile the original loan! They told us, pay whatever you can and speak with loan mitigation! We sent {$10000.00} to Wells Fargo! They refused to work with us! They began calling the house 16 or more times a day! Telling us our account was delinquent! Which we were well aware of! We eventually got rid of our land line, because they kept calling relentlessly! Even though they were aware of the situation! They tried to foreclose on us numerous times over a period 10 years! We spoke to XXXX lawyers! No one knew how to help us! So we began looking for help elsewhere! Eventually, our XXXX Lawyer was able to help us! He put a restraining order against Wells Fargo, so they were not able to foreclose on us! As they were still trying to foreclose! We spend almost {$40000.00} out of pocket to our Lawyer to fix the problem! Because Wells Fargo refused to work with us! We lost hair and sleep for almost 10 years! Waiting for the sheriff to come evict us! Our Lawyer resolved the issue 2 years ago! Our credit was ruined for the entire time! And has just begun to recover! We did nothing wrong! We were victims of Mortgage Fraud! We also received numerous letters from the Justice Dept detailing the prosecution of the people responsible at 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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FREEDOM FINANCIAL NETWORK
State: OK

Complaint narrative:
I had a loan with freedom pluss but due to health issues and other bills had to consolidate my bills thru XXXX  to keep from fileing a XXXX  XXXX. I contacted freedom and advised them of this. I few days latter I got a call from freedom plus but when i answered it was a company called achieve regarding this debt i advised them it was under a debt consolidation. They soon began calling me daily with no voice mail. I then began to get calls from them and caller id stated we have the loan you need. I sent a formal cease and dedit to them advising i had never recieved anything saying that they aquired this loan. The following week call volume from them went up and at hours they new i would be at work. I also was recieving blocked and anonmus calls i suspect was from them as well as they imidiantly followed a call from achieve. I feel they have violated my rights under the FDCPA and would like them to stop as requested

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The auto dealer had settled the loan in full, but Ally Financial Bank incorrectly processed the amount and is still claiming I owe money. Furthermore, they are inaccurately informing the Credit Bureaus that I am delinquent despite not being so. I have all the documents to support my case. I have attempted to contact Ally Financial numerous times in order to resolve this discrepancy, but I have been unable to get them to correct their systems. I even sent a formal letter via certified mail but they have still not responded.

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 2023-02-02 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:
In XXXX I enrolled in college and obtained few federally backed student loans to pay for my education. I XXXX in XXXX & did not have to start paying back my loans until XXXX when my XXXX XXXX grace period ends. Since then I have been enrolled in a forbearance plan due to my limited income. In XXXX I forgot to renew my forbearance and my loans went into default with US Department of Education, afterwards I rehabbed them and am currently in forbearance due to covid-19 cares act, I was assigned a new servicer XXXX. I am in the process of purchasing a home for my family & my mortgage lender can not qualify me for the loan because on Equifax it shows that my student loan with Us Department of Education & is in collections, it also shows the same balance as my rehabbed student loan with XXXX, which is hurting my purchasing power as well due to debt to income. Essentially its a inaccurate duplicate I have done some searching on XXXX and thats why this is my last attempt to fix this problem. I found that federal law mandates removal Of rehabbed student loans 34 CF 682.405 ( B ) ( 3 ). I have sent letters to Equifax and Department of Education to fix this issue & Equifax refuses to fix the issue. 

I do not know what else to do, my lease on my apartment is ending soon and I cant imagine being homeless with my family. I have attached screenshots of my credit report as well as proof from studentaid.gov.

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

Complaint narrative:
I have previously disputed this item with you > XXXX XXXX XXXX MICHIGAN. Reference # XXXX < and in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore your original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 16811 ) and the information must be deleted immediately.

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 2023-02-02 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I feel that Wells fargo charged me more than supposed to on my auto loan. they are currently being sued for doing this to millions of their customers.

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 2023-02-02 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: VA

Complaint narrative:
I asked the credit bureaus to do a verification of some accounts on my credit report, they did and stated that everything was accurate. 
I did a research myself found improper and inaccuracies on my credit report after they did their research. 
I have attached the accounts information.. 

In accordance with the Fair Credit Reporting Act, XXXX Accounts listed on the attachment, 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 Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-02 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: FL

Complaint narrative:
In 2017 I was a victim of identity theft. I have already sent letters from the FTC, I have called them and I have explained that accounts were not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX of XXXX and I am in bed without being able to walk. For this reason, under the FCRA laws that protect me as a consumer i request Experian and XXXX to remove all fraudulent account from my credit report attached below thanks, 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 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
Hello, my name is XXXX XXXX XXXX I am a victim of identity theft. Ive reported to all three bureaus and the company is. Ive never lived here. I am a victim of identity theft. Please help me. ive been harassed by this company. 

XXXX XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Seriously past due date / assigned to attorney, collection agency, or credit XXXX & XXXX ; XXXX XXXX XXXX department XXXX XXXX {$4700.00} XX/XX/XXXX 0 % Status Updated Balance Balance Updated Paid Off Monthly Payment Past Due Amount Original Balance Terms Responsibility Your Statement : - Comments : Account information disputed by consumer Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX {$4700.00} {$4700.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation