vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Wells Fargo appears to be overcharging customers in the area of escrow balances due to inflated insurance cost in most southern states and abroad. If my mortgage payment {$1200.00} ( XXXX principal, XXXX interest, XXXX Escrow ) but then for renewal Wells Fargo states Im Negative {$4000.00} in escrow to have another additional payment of XXXX a month bringing my total to {$1600.00} a month from XXXX .literally absurd. How & Why? Something is not adding up. Ive been in my home XXXX  years and this has never happened. There projections for this year is a total disgrace. If last year I paid {$400.00} in escrow that total is XXXX Insurance was XXXX and my taxes was XXXX roughly, so how did they see XXXX in escrow for this year. If the insurance go up then thats what should be added to my new payment.

Im already paying my insurance and taxes through the year where did that money go ( XXXX ) from last year till now!

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 2024-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Was sent loan agreement for {$35000.00}. I never signed. Audit showed my name as Applicant not Borrower and no Application was ever received or completed. E-SIGNATURE came from plumbing company, not me. Was sent via plumber 's I-PAD.

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 monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX is a company I do not know never had business with nor did I provide them any of my information. They are reporting a sprint bil saying it was opened in XXXX of XXXX I did not open any accounts with sprint last year. They have placed this account on my credit and it needs to be removed immediately. They do not have proof of any accounts from sprint within the last 7 years. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I attended XXXX XXXX XXXX in XX/XX/XXXX and graduated in XX/XX/XXXX. Upon waiting for assistance to finding a job, I was advised the school was being shutdown because of fraudulent accreditation. As of such, when the loan was supposedly cancelled and was removed from my credit report in XXXX XXXX. I was advised that the Department of Education quickly sold my debt to Nelnet by XX/XX/XXXX, in which they reopened the debt even with the cancellations in place. And the debt reappeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX 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 explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DISCOVER BANK
State: MI

Complaint narrative:
Discover Bank has contentiously made negative marks on my credit account in regards to a account they no longer own. They have already stated in letter they gave account to XXXX XXXX XXXX a debt collection agency. When the debt was handled they reopened account and attempted to again charge me. I never gave them written or verbal permission to share my information with XXXX XXXX XXXX. They have errased all previews history of any payments and are attempting to collect inflated amount. When disputing they charge account more to further hurt score. Once they relinquished debt to XXXX XXXX XXXX they gave up rights to collect debt. In a attempt to pressure consumer they have contacted family at XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX and Also the new address of parents at XXXX XXXX. The have made gaining any credit impossible for 4 years as they continue to mark account as over limit. They again marked account as over limit this morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: TX

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 Account Number : XXXX 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 XXXX XXXX Account Number : XXXX and 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 2024-03-13 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from 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
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2024 I the first payment in the amount of {$850.00} that was returned insufficient funds. I then scheduled a payment to process on XX/XX/2024 for the minimum amount due of {$25.00}. On that same day I received my paycheck which was more than anticipated and the {$25.00} payment had started being processed and could not be cancelled. Subsequently, I made an additional payment of {$200.00} to drop the balance down because I had exhausted the full amount of credit extended. It was none of Capital One 's business why I needed to rent a vehicle but nevertheless I had also received my income tax. 


I had initially given {$600.00} to extend her rental but she was unable to. My daughter sent me back the {$600.00} I sent her to make an additional payment to Capital One in the amount of {$600.00} so that we could rent a vehicle. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it is essential that the children get to XXXX  and XXXX  each day and it was easier doing with a vehicle than catching the bus so that was the reason for the additional payment in the amount of {$600.00} ( to rent a vehicle ). 

I rented from the airport which I did not know charges an additional {$100.00} for the deposit so I had to hold back an additional day of rental. Instead of renting through Monday to ren

t using the available credit I only rented through Sunday. Capital One 's fraud department called me to confirm the car rental transaction. I told Capital One that I did in fact make the transaction. I then proceeded to tell the representative that I needed to extend my rental and what would be the quickest way to make a payment on the account to gave the credit available. The representative told me I could not do a debit card
payment on the Quicksilver credit card. Therefore I made an additional payment on XX/XX/2024 hoping the payment would post and I could extend the vehicle to ensure my grandchildren got to their XXXX  and XXXX  appointments on Monday. Instead Capital One froze the card and in doing so has not applied the payment I made on XX/XX/2024 to the card nor has returned my payment. Instead they locked me out of even viewing the account asking for a picture of my driver license, ss card, proof of residency and bank statements showing the transactions. I complied and when I called customer service the representative told me whenever the validation department finishes they will call me. This is the cause because I am a hardworking individual and because they locked the account I wasn't able to extend the rental and by that being my last money left me without money to take an XXXX or XXXX to work to take or have my daughter take my grandchildren to XXXX  and XXXX. 

This has caused an adverse affect on myself and family. I gave attached the email from Capital One requesting documents along with copies of what I sent to Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I applied for a modification with SLS, which was granted on the basis of unemployment notified them XX/XX/2024 they set up trial payments with that information beginning XX/XX/2024 first payment due second payment due XX/XX/2024. I dont know how they expect me to make these payments but I managed to make the first XXXX the second one I had set up a payment date for XX/XX/XXXX. It was drawn out of my account on XX/XX/XXXX funds were not available and transfer was reversed. They then canceled my modification. I called and spoke to an agent who was helpful and sympathetic and thought he would be able to get my modification reinstated but I was told it was canceled and no further help was to be provided, I have issues here One was the start date for the modification being before my unemployment ended to the early attempt to withdraw the payment after I had specifically set up the payment with one of their agents for a specific date request that you are valued this for unfair and deceptive trade practices and an attempt to appear to be trying to assist me 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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-03-13 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: 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 XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 2024-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
According to FCRA 605B, we must eliminate any erroneous accounts from my credit report. Could you kindly review the documents? Several of the mentioned accounts are incorrect, causing me discomfort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Northstar Location Services, LLC
State: MI

Complaint narrative:
XXXX Bank has contentiously made negative marks on my credit account in regards to a account they no longer own. They have already stated in letter they gave account to Northstar Location Services a debt collection agency. When the debt was handled they reopened account and attempted to again charge me. I never gave them written or verbal permission to share my information with Northstar Location Services. They have errased all previews history of any payments and are attempting to collect inflated amount. When disputing they charge account more to further hurt score. Once they relinquished debt to Northstar Location Services they gave up rights to collect debt. In a attempt to pressure consumer they have contacted family at XXXX XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX and Also the new address of parents at XXXX XXXX. The have made gaining any credit impossible for 4 years as they continue to mark account as over limit. They again marked account as over limit this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-03-13 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: FL

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 Account Number : XXXX 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 XXXX XXXX Account Number : XXXX and 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 2024-03-13 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: TX

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 Account Number : XXXX 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 XXXX XXXX Account Number : XXXX and 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