vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I have a loan through Wells Fargo Home Mortgage. My father passed away a year ago on the XXXX XXXX XXXX XXXX, and ever since then I have been trying to assume our home mortgage loan because I am the sole beneficiary in our trust and I am responsible for all of my fathers assets, and financially responsible to take care of them. With this being said, Wells Fargo has taken me for a roller coaster ride of extreme difficulty and frustration since my fathers passing. They have repetitively told me that I can not assume our home mortgage loan without doing a numerous amount of steps, with which I began completing so that I could receive help from them. Although I never did receive any help from them and decided to make a couple of phone calls to lawyers asking about this process in more depth. I came to find out about the The Garn-St Germain Act . A transfer to a relative resulting from the death of a borrower. This situation involves the transfer of real property when one or more relatives inherits it after the borrowers death. If the beneficiaries are relatives, then the due-on-sale clause will not be enforced. No one ever explained this to me at Wells Fargo and I was told that I would have to assume the mortgage through numerous documents proving I was my fathers beneficiary and that I would not be able to get the same rate as him when I redid our mortgage and reapplied for it. I also was just told today that I am no longer allowed to make any sort of payment towards our mortgage unless I pay them {$27000.00} right away being the amount that would bring it current based on my fathers criteria. I have pretty much spoken to most of the Home preservations department and assumptions department at Wells Fargo. I feel that these people have been very manipulative, untruthful, and downright heartless when it comes to a young woman who just lost her father and is trying to make the mortgage payments. They are still today telling me that I am not allowed to assume the mortgage even though I have sent them our trust many times and it clearly states that I am a trustee and a beneficiary as his daughter but they respond with this isnt enough. Please help me resolve this matter as I feel very helpless in the situation and take advantage of by a big bank. Thank you and have a great day.

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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : 1. Account Name : [ XXXX XXXX ] Date Listed : [ XX/XX/year> XXXX. Account Name : XXXX XXXX XXXX XXXX Date Listed : XX/XX/year> This information is inaccurate for the following reasons : [ Explain briefly why you believe the information is incorrect, e.g., " I have no record of this account, '' " The balance reported is incorrect, '' or " This account was resolved on [ specific date ]. '' ] Under 15 USC 1681i ( 5 ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made.

Please respond to this dispute within the legally mandated 30-day investigation period. Failure to comply may result in further action to enforce my rights under the FCRA.

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I applied for a self builder account, At this company called Self Lender to help grow my credit. The email thats link to this account has be hacked. I was buying a home and the bank came back and said I have two delinquent credit cards account with self lender. I never applied for any credit cards with this company only a credit builder account. I called and complained almost 10 times and this company is tellIing me that they sent me credit cards. I have argue with this company 10 times and not getting no where.There is no fraud department to talk to they keep telling me they are going to email me to reslove the issue. Now they have been reporting this balance XXXX and XXXX on my credit report and have drop my score so low from where i worked hard from. I have been a victim of idenity theft and have the credit freeze on my account on the credit bureaus. I have filed a police report on this company. At this point can you remove this off my file plz. 
Thanks XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-11-19 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX/2022XX/XX/year>

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 2024-11-19 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>2022 XXXX  XXXX XX/XX/year>2022 XXXX XXXX XXXX/2022XX/XX/year>

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 2024-11-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding XXXX XXXX XXXX XXXX ( Rushmore XXXX ) and their refusal to provide access to a recorded conversation that occurred on XXXX XXXX, 2024. This recording is critical to an ongoing legal matter involving an investor who was attempting to purchase my home during a pending foreclosure process. 

On the mentioned date, I participated in a phone call with a Rushmore XXXX representative, an investor, and the investors realtor. During this call, I provided Rushmore XXXX  with a one-time verbal authorization to speak with the investor and their realtor. This authorization was given under the belief that the investor needed a recent payoff quote to finalize the purchase of my property. Instead, the investor and their realtor misrepresented their intent and used the opportunity to request an extension of the foreclosure sale date scheduled for XX/XX/year>2024. 

When I realized that no payoff quote was being requested and that the investor had no intention of closing the purchase as agreed, I ended the call abruptly. Subsequently, the investor filed a lawsuit against me for Breach of Contract, along with a memorandum and a Lis pendens in Superior Court, effectively blocking the sale of my property to another buyer and placing me at risk of foreclosure again. 

To support my defense in this legal matter, starting in XX/XX/year>2024, I have made multiple requests to Rushmore XXXX for a copy of the recording of this call, as it demonstrates the investor 's lack of intent to finalize the sale and their misrepresentation during the conversation. However, Rushmore has refused to provide the recording, citing reasons such as it being burdensome to retrieve and their need to protect my privacydespite this being my own transaction and authorization. 

The refusal to provide this critical evidence, coupled with Rushmores actions during the foreclosure process, has caused significant financial and emotional distress. Additionally, it raises concerns regarding transparency, accountability, and fairness in their handling of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report includes unauthorized items resulting from the fraudulent use of my personal information, and I have never benefited from these transactions. Understanding how serious this situation is, I quickly filed a report with the Federal Trade Commission, expecting it to be resolved. Yet, despite taking all the right steps and properly reporting the fraud, these items still remain on my credit report. The ongoing frustration is immense, as I continue to suffer the consequences of someone elses misuse of my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I'm the volunteer XXXX for our high school athletic boosters club. We received our verified charity status through PayPal in XXXX, which authorized me to open and link a Venmo charity profile to my personal Venmo profile in XXXX XXXX. I was permitted to make XXXX personal payment on my personal Venmo profile on XX/XX/XXXX in order to pay for hair services. Venmo wouldn't allow me to upload my personal checking account in order to pay through that account, so I was forced to upload my debit card information in order to complete the total payment of {$180.00} ( hair service, supplies, tip ). Once payment was completed, I promptly removed my banking information. I strongly feel that there should be a separation between personal and charity finances. Venmo forces users to combine these accounts inappropriately by linking charity profiles to a users personal account. Our annual fundraising event was scheduled XX/XX/XXXX ; however, once we were finished, and I made my first initial attempt to transfer funds to the charity checking account with our financial institution, I received an " Error '' message. Venmo would not accept my manual routing/account number submission. I attempted to search for financial institution on XXXX, the alternative option for linking bank accounts, and that financial institution was not listed. I hesitatingly attempted to enter in my personal account information, thinking there was some type of system error. After multiple attempts, the account is now suspended. I have escalated the call numerous times, only to be told that I need to upload documentation for verification. I have uploaded my drivers license, a " selfie '' with me holding my drivers license, a bank statement from the charity account that has my name included in the address, and a personal checking account statement through my personal financial institution, which is NOT where I want to the money to go. However, due to attempting to link that account in order to complete this transaction and close my Venmo account is the reason I added it to the verification submission. Venmo is currently holding on to over {$2300.00} of our high school 's booster money, and they will not, and have not provided any information on the status of this " suspicious activity '' review, since I uploaded documents earlier this morning. Venmo doesn't have the right to hold our charity 's funds. Our account went through the verification process in order to receive charity status through PayPal, Venmo 's parent/sister company, and this bogus review is delaying money that is owed to our student athletes. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company refuses to provide documentation proving my claim of ID Theft

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 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 2024-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against EQUIFAX for reporting inaccurate and incomplete information on my consumer report. They have placed alleged accounts on my report without my knowledge or permissible purpose, violating my privacy rights under 15 U.S.C. 1681b, which outlines the limited circumstances under which a consumer report can be obtained or used.

Furthermore, EQUIFAX is in violation of 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. Despite my disputes, XXXX has failed to verify or validate these alleged accounts, and their continued reporting of this inaccurate information has caused significant harm. 

As a result, I am unable to purchase a home for my children and me, and my employment opportunities have been negatively impacted. This invasion of my privacy and disregard for federal law has caused unnecessary financial and emotional distress. 

I request that the CFPB hold EQUIFAX accountable for these violations, require the removal of these inaccurate accounts, and ensure compliance with the FCRA to prevent further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I knew the economy was tough, but after reviewing my credit report, it's painfully obvious which one is in worse shapemy report is full of inaccuracies, and the stress its causing is overwhelming. As a consumer, I have rights that I intend to uphold, but dealing with this situation is incredibly disheartening. What makes it even worse is that the financial toll of these errors is so severe I wouldnt even be able to afford a therapist for the stress, since my cards are likely to get declined with my credit score dragged down by all this false 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 non-monetary relief
Consumer complaint received 2024-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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 non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A while ago I noticed that there were so many things on my credit that I can not even begin to guess where these fraudulent accounts came from. So, I requested validation ( in the form of the original contracts ) from the bureau for each fraudulent account so that I could actually get to the bottom of who was using my identity and to also get this information removed. I sent in a letter and a FTC report just like the bureau requested 2 months ago and I still havent received any original contracts, or the method of verification, who they spoke with at these companies and the information is still on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation