vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Regarding home at XXXX XXXX XXXX XXXX XXXX XXXX TX To whom it my Concern : I am writing this letter to explain the series of events that cause my home to be foreclosed on. I purchased my home in XXXXXXXX XXXX XXXXXXXX. I took out a 30 year fixed rate mortgage in which my payment was around {$650.00}. In the end of XXXX Wells Fargo raised my payment to {$1200.00} per month without justification. 



I had an auto draft payment on my back account for my Mortgage and Well Fargo withdrew the {$1200.00} payments until it had completely depleted the {$7500.00} I had in that account. I spent over 150 Hours on the phone over the course of several months trying to get a justification for why my payment had gone up so much. I was normally transfers back and forth between sections up to 9 times per attempt. I was eventually told it was an issue with my escrow. I then went and got copies of my tax records as well as my property insurance policy. I then sent it to Wells Fargo at least 10 times which clearly stated that my payment was unjustly raised.

I finally got a hold of a representative at Wells Fargo that told me that that my best option was not to worry about the increase in payment. I was then told that I would most likely qualified for the HARP refinancing programs and that was my best option to prevent Foreclosure. I completed all the required forms and sent them in 6 different times. I made dozens of follow up calls and was told that the process took time. During this time I looked into trying to sell the house but the resident of the home next to me had died and after they inspected the neighboring home interior the home became condemned. So it became impossible to sell my house with a large condemned sign on my neighbors home. The whole time I was making the payment that I could. After over 6 months of trying to get the situation resolved Wells Fargo told me that I still owe them an additional {$4500.00} and that they would not except anything but the full amount. I didnt possess the fund to pay them and my home was then foreclosed on in 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 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had fell behind on my Citibank credit cards, I was able to bring one account back current, so I started working on the second card. I went on the mobile app to make a payment on XX/XX/XXXX, I noticed that my account had been closed without my knowledge, I had not received letter nor and email about my account being closed. So, I contacted Citibank immediately, the agent that answered the phone was not willing to listen to my complaint, he kept asking me, had I received a email about my account being closed, I informed him that the only email that I'd received was that I could call to get my payments lowered down to XXXX a month, nothing about my account being closed. He informed me that my first card was closed on XX/XX/2023, and that my second card was closed on XXXX XXXX, I asked why first card was closed when I was back in good standings, he had no answer for me. I asked to be transferred to a manager, he kept me on hold for over two hours then he hung up on me. Since my accounts have been closed Citibank has continuously been reporting me delinquent to all three bureaus, I still have not received any letters mentioning the reasoning behind closing my accounts. As of today, the card number ending in XXXX which was caught up with the balance XXXX with a credit limit of XXXX as XX/XX/2023, today 's balance on this card is XXXX. My second account ending in XXXX balances as of XX/XX/2023, was XXXX. As of today, my balance shows XXXX. I have attempted to call to resolve this matter with not success, I have disputed this with the credit bureaus. This has affected me significantly. Please help me. thank you

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 2023-05-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-05-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2023-05-09 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: Chime Financial Inc
State: RI

Complaint narrative:
On XXXX XXXX XXXX  I used my Chime Credit Builder Visa card to make a {$190.00} purchase. This amount was authorized on that date on XXXX. 
On XX/XX/XXXX I picked up that order, but the final cost was {$69.00}. So when XXXX settled the transaction on XX/XX/2023 {$120.00} was released from the originating transaction by XXXX. 
Chime then placed that authorization release of {$120.00} as an Authorization hold on their own, with no new transaction issued by XXXX. 
Since then, Chime has refused to release this unauthorized authorization hold for an additional 7 days, I believe, illegally, since I never authorized an additional transaction in the amount of {$120.00}. I have email documentation from XXXX 's billing department, as well as a screenshotted chat with Chime Customer Service essentially admitting that the authorization hold was illegal as XXXX " cancelled '' the originating transaction prior to it settling, and that an authorization release " is an authorization hold ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Submitted Identity theft affidavit along with consumer statement, copy of drivers license, copy of social security, and copy of recent utility bill on XX/XX/. Contacted customer service today on XX/XX/. Today is the fourth business day and information is still reporting inaccurately to my personal 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 explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These addresses should be blocked and removed from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
On XX/XX/2023 Wells Fargo received validation request letters by me, the consumer, under the authority of The Truth in Lending Act and the FDCPA disputing the debt asking for proof of the alleged debt Wells Fargo claims it is owed to them. Wells fargo failed to respond to my letter or provide any evidence of a debt within the 30 days that the TILA and FDCPA allows. This alleged debt must be fraud for the creditor has not answered any of my questions. see attached letters mailed to wells fargo.

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 2023-05-09 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: KS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 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. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED GOODS OR SERVICES FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES

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 2023-05-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
AS OF XX/XX/2022 XXXX XXXX  CLAIM THAT I OWE XXXX FOR MEDICAL REASON.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried cancelling this card in XXXX when the fee was due. It appears it was never cancelled. I have not used the card since and called to cancel/refund as soon as I noticed this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I've been contacting Midland Credit Management and the credit reporting agencies for over a year now trying to get correct documentation to verify this debt, and even offered to pay them. I have not received any responses back over the past year. I gave them time considering the pandemic, but they have yet to respond. I'm attaching all of the letters including the certified mail return receipt notices from XXXX. For proof I've also attached a copy of the XXXX XXXX, credit monitoring report. So, since I have not received a response, the company and the XXXX XXXX XXXX have violated my consumer rights and I would like to have this account removed from credit report with no balance owed, seeing as though I also offered to pay them. They also never put the account in dispute status none of the times that I've disputed the account, and that is a violation of my consumer rights as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CO

Complaint narrative:
Several requests for XXXX in writing have been denied. Reason given : 1. Need at least XXXX years payment history ( we have more than XXXX, and now more than 2 years on this loan. We have never been late on any payment on this loan or any other loan dating back over 30 years. Reason given : The mortgage company 's " internal '' valuation of the property does not qualify. The loan balance is {$300000.00}. The value according to the mortgage company 's own website has been over $ XXXX for the past XXXX  months. Other valuation sites such as XXXX, XXXX, Offer Pad and others all estimate over $ XXXX. The property is a relatively new construction in a cookie-cutter neighborhood with regular sales comps for identical properties all sold for more than {$400.00} over the last XXXX months. This should be a slam dunk approval, but I keep getting run-around and stonewalling. Once a reason for denial is satisfied, another bogus reason is given.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states, I have the right to privacy. 15 USC 1681 Section 604a Subsection 2, it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666a, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You are in direct violation of the fair credit reporting act XXXX  XXXX XXXX has violated several of my rights.

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

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 2023-05-09 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:
You are in direct violation of the fair credit reporting act XXXX XXXX XXXXXXXX has violated several of my rights. 

15 U.S.C 1681 sec 602 A. Clearly states that I have a right to privacy.

15 U.S.C 1681 sec 602 A. Also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B. A creditor may not treat a payment on a credit card account under a open-end consumer credit plan as a late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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:
On XX/XX/XXXX, I sent a letter disputing the following inquiries. They are still on my report more than XXXX days later. 


I asked for proof of permissible purpose of these inquiries, but I never received them. The inquires were reported as verified although no proof of this verification was presented. 

This is illegal according to federal law - 15 U.S. Code 1681n - Civil liability for willful noncompliance : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( 2 ) such amount of punitive damages as the court may allow ; and ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

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 2023-05-09 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: FL

Complaint narrative:
I noticed inaccurate and a unauthorized account reporting negatively on my consumer report. Not sure if you're mixing my identity with someone else or of this is identity theft. I will attach a letter so your company can investigate and remove this inaccurate account. I will also attach copies of all the credit reporting agencies address reporting FALSE addresses on 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 explanation
Consumer complaint received 2023-05-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
XXXX XXXX XXXX I do not have a contract with this company. XXXX is not from original creditor. I have never heard of this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED GOODS OR SERVICES FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES

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 2023-05-09 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: TN

Complaint narrative:
FRAUDULENT ACCOUNTS HAVE BEEN ATTRIBUTED TO MY FILE THAT ARE NOT MINE NEITHER HAVE I RECEIVED GOODS OR SERVICES FROM THESE FRAUDULENT ACCOUNTS AND INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I received a phone call from a credit union that was trying to verify my information for a large loan. She then explained there appeared to be MANY other recent inquiries. All of which were fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, Im sending these enclosed documents in order for me to update my credit report and remove any block that is on my file currently. 

I have creditors trying to report to my credit report and access my file and they can not. 

Please update my information. 

Please note this was copied exactly as XXXX from Equifax on XX/XX/ at XXXX XXXX instructed me to do. 

Enclosed are : My drivers license My social security card This is being sent to you by : Faxed on XX/XX/ to XXXX XXXX XXXX CFPB Complaint on XX/XX/ Certified mail on XX/XX/

Company response to consumer: Closed with explanation