vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A : On XXXX XXXX, 2022, Wells Fargo mailed me a check ( number : XXXX ). 
XX/XX/2022 HusbandXXXX deposited into his current account ( XXXX ) via mobile phone. 
B : On XXXX XXXX, 2022, Wells Fargo debited {$25.00} from the checking account ( XXXX ) on the grounds that this check was deposited twice. 
C : I also don't have any money deposited with XXXX. I have the current month 's statement as evidence. 
D : Wells Fargo said that the money has been remitted to XXXX, so, Wells Fargo : The payee and account number of the money you remitted to XXXX? tell me. 
XXXX : Since XXXX XXXX, 2022, I have requested money from Wells Fargo 18 times. Wells Fargo pushed it to five departments and has not given a clear answer so far. They have a bad attitude and no one takes my request seriously. 
This thing wasted a lot of my energy and time. 
F : I am now asking Wells Fargo to return this money to me.

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 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Summary of my case : I. I refinanced my mortgage loan on XX/XX/XXXX. The mortgage monthly payment was 74 % of my monthly net pay. 

II. The closing took place on XX/XX/XXXX, but the alleged lenders attorney, XXXX XXXX, backdated the closing documents to XX/XX/XXXX, a week earlier, which completely eliminated my 3 days Right to Cancel. It was not until a year later that I discovered that TILA allows for a 3 year extension of the Right to Cancel and that the backdating, eliminating my 3 days to cancel, was a TILA violation. 

III. After 1 year and 3 months I could not keep up with the monthly payments. 

IV. The alleged lender filed foreclosure complaint. 

V. In Verified Answer on XX/XX/XXXX, I rescinded the refinanced mortgage loan. 

VI. The alleged lender ignored my rescission and continued foreclosure. 

VII. If they had followed the steps in TILA 1635 after my timely and valid notice of rescission, reversal to the status quo would have been easier. 

VIII. On XX/XX/XXXX, Judge denies their motion for Summary Judgement. 

IX. On XX/XX/XXXX, Judge denies their motion for Summary Judgement. 

X. On XX/XX/XXXX, a new Judge grants them Summary Judgement. 

XI. On XX/XX/XXXX, the new Judge granted them Foreclosure and Sale.

XII. What I have that proves that we didnt close on XX/XX/XXXX is a HUD Settlement Statement that was signed by me and dated XX/XX/XXXX. Note that this was 4 days after the alleged closing date. 

Please see my attached formal written complaint to the CFPB and attachments A through J for the details of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
After Hurricane IAN devastated XXXX, my mortgage company Cross Country Mortgage Inc. offered me the opportunity to go on the mortgage relief program with a forbearance for 3 months and resume payment thereafter. I was given specific instructions and I asked specific questions pertaining to my credit score being affected. I was also told by Cross Country Loss Mitigation that when the payment resume, it will be credited to the current month, and the balance resulting from the forbearance will be deferred to the end of the loan. I also asked repeatably, if my credit will be impacted at all, to which they replied NO, multiple times. All these conversations on a recorded call as they disclosed at the beginning of every customer service call Upon completion of my forbearance, I resumed my timely payments. I have evidence they collected the payment on time. However, they credited the payment to the month of XXXX and not the current month as they told me, and they reported me 90 days late and my XXXX score dropped XXXX points from XXXX. They told me that my next payment will be credited to XXXX. This situation will create recurring 90 days late. This is incorrect based on the terms of the forbearance I was given. 

I tried to get this resolved with the lender and their research depart but it's not going anywhere. I asked the research department about the process to subpoena the recorded calls, but have not heard back from them yet. 

This is a serious matter and very detrimental to my family 's financial stability. I hope you can help me. 

Kind Regards

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XXXX XXXX XXXX. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-02-27 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX is a result of identity theft. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$460.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity 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 2023-02-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is a Credit Card company name " XXXX XXXX XXXX '' that is reporting a fraudulent account into my credit profile.

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 2023-02-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: QC HOLDINGS INC
State: OK

Complaint narrative:
Threatened to send my information to the IRS, insinuated that I could go to jail, had private investigators looking into me, kept telling me I was paying for their lawyers.

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 2023-02-27 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: CA

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 & XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX 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 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 2023-02-27 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX & XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXXXXXX XXXX XXXX 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 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 2023-02-27 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: Applied Data Finance, LLC
State: VA

Complaint narrative:
I contacted the company back in XXXX & discuss the problem of why I was late on my payments I was out of work so later so back in XXXX when I talked to someone he said I may qualify for a payoff so I got the email in XXXX of the amount of what I had to pay I pay the amount that they ask I call them & ask them why am I still getting emails 3 weeks later of the balance I was told it takes time 7 the computer was sending the automated emails out the reason why reaching out to you is because they put it on my credit report as late payments it's like they didn't listen to me paid them what they ask weeks ago & they still reported to XXXX they told me its nothing they can do its aready been send they can't reverse it I was told to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2021. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

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 2023-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a Mortgage modification with Wells Fargo # XXXX and was approved. I made mortgage payments of XXXX each moth for over a year when I got approved sometime in XXXXXXXX XXXX They told me that once Obama left office the HAMP was no longer available and when Trump got into office and stopped taking my payments. Then they tried to foreclose again. 
When COVID came they assigned the mortgage over to XXXX XXXX servicing who then tried to foreclosure and would not approve me for a modification. XXXX loan # XXXX. 
My previous modification before they reneged on their modification was XXXX XXXX. XXXX started sending me notices for a mortgage of XXXX XXXX, but would not approve a modification or take payments. 
I make plenty of money and no one will approve me or take my money! All they want to do is foreclose on the property and take it since the housing prices in Florida went up. They want to sell it instead of letting me pay a mortgage and working something out. 
Something is not right!

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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with Equifax. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by XXXX XXXX XXXX XXXX Prior to XXXX, they were serviced by Fed XXXX XXXX XXXX with balances of XXXX, XXXX, XXXX, and XXXX. 
These are now consolidated and being serviced by XXXX with a balance of XXXX. 
Fed XXXX XXXX no longer has these loans they had been transferred more than once. The only student loan debt that should appear on my current credit report should be with XXXX with a balance of XXXX. 
Equifax states in a previous dispute that Fed XXXX XXXX states that these balances are correct however when I attempted to call Fed Loan Servicing with the number given by Equifax it is an invalid number that does not ring XXXX. My next steps will need to be to obtain legal counsel and report to the Ombudsman for Federal Student Aid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX/XXXX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/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 2023-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Starting in XXXX I couldn't use my card. When calling customer service they said their system upgrade caused issues. Since then ( roughly six months ) they have reported my account closed - I confirmed with their rep it is not. This caused a big drop in my credit score. They refuse to issue my card, which is now expired. I've asked numerous times why and they continue to say " system upgrade issues ''. They have no reason to close my account and it shows open online ( see documentation ). A large company should not be messing with peoples credit like this. It's very strange.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I checked my credit report and seen that there were discrepancies, and it was started on XX/XX/2022. I've contacted the company, and nothing was done yet this is still on my credit which is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: LA

Complaint narrative:
I sent written notification to Convergent Outsourcing requesting documentation of any contractual relationship between myself, & Convergent Outsourcing. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Convergent Outsourcing {$610.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.

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 2023-02-27 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: GA

Complaint narrative:
My social security number, my date of birth and personal information was compromised during an equifax security breach, as a result Ive had several things that do not belong to me on my credit report that Ive disputed with all three bureaus and its come back on my credit file. My entire identity has been used by a scammer, and Im very upset about this, this has been XXXX to try and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27 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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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 an 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 or 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