vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
Have a LOC with WSFS Bank. They have filed foreclosure claiming " failure to make any payments in 2023 ''. I have a receipt of payment from them on XX/XX/2023, and they Snatched the XXXX payment along with the XXXX payment. I have the statements to prove it. 
Now XXXX has advised me to get payoff to current, which dismisses my case! The payoff includes their legal fees fighting this fraud case, and the Threat of {$1500.00} Fine and provides for Motion to Proceed for them! 
Their original foreclosure complaint states " no Payments Made in 2023 ''. They have rewritten the record to create one that shows this and have accomplished it by " Snatching Payments '' and " Re-Allocation '' in 2023!. I may have been low on payments as they kept rising, but I made them. This shows they created a new record to gain by foreclosing on my home. This shows what they did and how they did it, to foreclose on my home.hen they were paid internally to the WSFS LOC. This provides for multiple sources of documentation on transfers/payments to WSFS and the LOC. 
I'm XXXX, and on SS which hasn't been keeping up with the interest rates and inflation. I'm going to have to start transferring all of my SS to this and figure out how to get make more. 
I don't have the funds to defend against Predatory Banking Practices, Fraud, and Creating a new Record to enable Foreclosure. I believe this is a Civil Rights issue also with them violating my rights this way I'm not sure XXXX is up to or able to keep assisting with this case.. In which case, I have no protection against this bank 's actions. 
I can provide all documents including XXXX Bank Statements, WSFS Checking Account Statements, WSFS LOC Statements, and every other document they ever sent. Including : a WSFS Payment Receipt for XX/XX/2023, and " account Overdrawn Notices '' on XXXX XXXX after they seized money from my checking account. I'll need to speak with someone about them and personal info contained before sending them. 
I can't deal with this on my own and they have been evasive and blatantly lying to me every time I have called them. These are Unfair Banking Practices and outright fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am deeply disappointed and disturbed by the experience I had with Wells Fargo on XX/XX/2023. I visited a branch to close my checking account due to suspicions of fraud. The banker assured me that by opening a new account, my financial information would be secure. However, this morning, on XX/XX/2023, a previously authorized payment was deducted from my new account without my consent. I had not communicated any account changes to my merchants. 

Upon contacting Wells Fargo customer service, I was informed that they had merely placed the account on hold, and it had not been closed as I requested. It was only after speaking with a manager that I was informed that the account is now officially closed, and there is no 90-day waiting period for account closure. 

I find it utterly unacceptable that Wells Fargo allowed my new account to be debited without authorization and failed to disclose that my previous account 's automatic transfers would continue. It is evident that the banker intentionally manipulated this situation to avoid having an account closure on her record, while also benefiting from opening a new one. 

This experience reflects a serious lapse in professionalism and integrity, and it has left me deeply dissatisfied with Wells Fargo 's handling of my financial affairs. I expect a thorough investigation into this matter and a prompt resolution to rectify the damage caused by this incident.

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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XX/XX/2023 XXXXXXXX XXXX ran my credit with ; XXXX XXXX, Equifax and XXXX XXXX XXXX, Equifax and XXXX then sold my information to mortgage lenders. Today, XX/XX/2023, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XX/XX/2023 XXXXXXXX XXXX  ran my credit with ; XXXX XXXX, XXXX and Experian XXXX XXXX, XXXX and Experian then sold my information to mortgage lenders. Today, XX/XX/2023, I have already received 27 calls in 2 hours from individual mortgage lenders. I have asked them to stop calling and have blocked them. After contacting XXXXXXXX XXXX i was told that in all probability these groups probably sold off my personal information, which is interesting because these are supposed to be the safe organizations.

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 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
I already had a payment schedule for XXXX separate accounts with the same attorney firm. I paid XXXX in full, was restarting paying the other account ( which I had made a few previous payments ). I received a salary garnishment. I called them immediately to remind them that I was paying it down, that I would raise my monthly payment by a third and they said they wanted XXXX payments of {$600.00} approx to fulfill the obligation. In addition the original creditor was willing to settle for half the amount since the interest was so exorbitant but this known shyster outfit returned to the original amount. I sent a complaint to the court Law firm is : Pressler Felt & Warshaw, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  original creditor. {$1600.00} XXXX XXXX, now {$1200.00} approx.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Subject : Correction Request for Personal Information on Credit Report Dear CFPB, I am writing to address significant inaccuracies in my personal information on my credit report. The following details should be corrected as follows : 1. **Name : ** XXXX XXXX XXXX 2. **Address : ** XXXX XXXX XXXX , XXXX , MI XXXX 3. **Date of Birth : ** XX/XX/ The current information on my credit report regarding my name, address, and date of birth is incorrect. I kindly request the immediate removal of these inaccuracies from my credit report, as they are impacting my ability to secure financial opportunities. 

Your prompt attention to this matter is greatly appreciated, and I anticipate swift resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
This is the 2nd complaint. I asked the company not to reach out to me via telephone call after I informed the company " Zion Debt Holdings LLC '' this account was fraudulently opened using my social security number, but in someone else 's name. My name is " XXXX XXXX '', I am the sole owner of the social security number ending in XXXX. I have never went by any other name or alias. This debt is in the name " XXXX XXXX ''. I notified Zion Debt Holdings LLC '' on XXXX to notify them that this debt is the product of identity theft I also told them my name and that I was the sole owner of the social security number ending in XXXX. I also told the company to seize contacting me and that I was in the process of making a police report and complaint against their company. The next day XXXX I was sent a series of text messages from Zion Debt Holdings LLC asking me to pay off the account for deletion.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TX

Complaint narrative:
XXXX is reporting an unauthorized loan on my file for 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 2023-10-13 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: TX

Complaint narrative:
Equifax is reporting an unauthorized loan on my file for XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TX

Complaint narrative:
XXXX is reporting an unauthorized loan on my file for 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 2023-10-13 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
We enrolled with Freedom Debt Relief to clean up our credit cards and loans. We were paying XXXX every 2 weeks and then we lost 2 of our incomes. Before we lost the 2 incomes, I had agreed to a settlement on one of the accounts. They paid only XXXX to them. There was a XXXX balance. After losing the two incomes, we had to drop out of the program. I went back and looked for that money and it went to them, the company. I have a ledger showing this and also a fee of XXXX each month when account was active. I was told to call if I wanted additional information. This morning I spoke to a rude woman there who told me they took the money as their fee although nothing was settled at all. She said I owed them XXXX but they took the XXXX and that was the way it was. I feel that the money we invested into this program should come back to us as not one bill was settled. They were taking out their fee every month and that XXXX. Was there to pay bills that never got paid. I'm sorry we couldn't go through with it, but we were XXXX  Less income. I just want to know if what they did was legal? And is there any way to get that money back?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX XXXX XXXX XX/XX/2023 Subject : Urgent Request to Remove Inaccuracies from Credit Report Dear Sir/Madam , I am writing to urgently request the removal of inaccuracies from my credit report, as maintained by [ Credit Bureau Name ] . The presence of these inaccuracies, which exceed 10 in number, is significantly impacting my ability to secure a mortgage for my new home. My mortgage company has highlighted these discrepancies as a major hindrance to my home financing. 

In accordance with 15 USC 1681i ( 5 ) of the Fair Credit Reporting Act ( FCRA ), I have the right to dispute and request the expedited removal of any incorrect information from my credit report. I am exercising this right and urge your prompt attention to the following inaccuracies in my report : 1. Date Opened : The dates are incorrect and inconsistent. 
2. Balance 2 : The amounts are inaccurate and inconsistent across all records. 
3. High Credit : The reported amounts for all three credit reporting agencies ( XXXX, XXXX, and Equifax ) are incorrect. 
4. Credit Limit : The reported credit limits are inaccurate and erroneous. 
5. Past Due 5 : The past due amounts vary among the three credit reporting agencies.

6. Payment Status : The payment status is showing different days.

7. Last Reported : The reporting dates are inconsistent and differ across the three agencies.

8. Date Last Active : The date of last activity is showing discrepancies in days, months, and years.

9. Date of Last Payment : The reported dates are entirely different and not accurate.

These inaccuracies have immediate and profound consequences for my financial goals, particularly my pursuit of homeownership. I implore you to expedite the resolution of these inaccuracies in line with the FCRA.

I respectfully request that you promptly investigate and verify the information contained in my credit report and take the necessary steps to correct or remove any inaccuracies. Given the urgency of my situation, I kindly ask for immediate attention and action.

To facilitate your investigation, I have attached copies of the documents that support my dispute, including [ List any supporting documents you are attaching ].

Please be aware that the FCRA mandates the completion of your investigation within 30 days. However, I urge you to expedite this process due to the significant impact these inaccuracies have on my financial prospects.

I anxiously await your prompt resolution of this matter and expect written confirmation of the results of your investigation, as well as a copy of my updated credit report, as soon as possible. 

Your expedited assistance is greatly appreciated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-10-13 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:
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 XXXX XXXX XXXX. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX  Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2023-10-13 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: GA

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. 

Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX  Account Name XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-10-13 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX open date XX/XX/XXXX. 

XXXX XXXX open date XX/XX/XXXX. 

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 section 604A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) section states no consumer agency may take any consumer report containing any of the following items of information and/or any other adverse idea of information, other than records of convictions of crime which indicates the report by more than 7 years. 15 U.S.C 1681S-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer through any 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 explanation
Consumer complaint received 2023-10-13 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: IN

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.

has violated my rights. Or a list of inquiries : 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 2023-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX, PA overcharged for rent and kept on increasing rent annually to a ridiculous amount that we could no longer afford. Then they charged us for late fees, including cable, TV, etc. there were tires out our back door and did not keep up with the neighbors constantly Harassing us. With there loud cars. They then turned over everything to Hunter Warfield, a collection agency out of XXXX Florida and has reported the amounts owed and inflated the price for the last three years. I am filing a lawsuit for harassment and dishonest fees, and collection tactics.

Company response to consumer: Closed with explanation