vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I applied for a HELOC around or about XX/XX/2021, before applying for the refi, I requested a hardship waiver from XXXX XXXX on a grant I received when I purchased my property. The request to XXXX XXXX was asking XXXX XXXX to subordinate their loan position to Wells Fargo. INVEST XXXX would not do a HELOC, but if I was willing to do a Regular Refi with a Cash-Out they would consider my request. XXXX XXXXXXXX subordinate position would not require me to make monthly payment but would only secure their position in the event of a sale of the property. So, I decided to move forward with the loan. Wells Fargo originally agreed to allow XXXX XXXX to go into the secondary position. However, after a lengthy loan application process, a prejudice appraisal from a Wells Fargo authorized appraiser ( which it took me another 30 days to appeal the appraisal, yes, I had it overturned and raised ), because of the length of time this consumed my initial interest rate of 3.25 % had went up to over 4 %. Wells Fargo days before closing refuse to honor their decision to allow XXXX XXXX to subordinate to a second positions causing me to have to pay {$52000.00} of my Cash-Out, if I decide to move forward with the refi and also take a new interest rate of over 4 %. At that time my credit score was 746 and the LTV for the refi would have been less than 33 %. I can provide all correspondence between myself, XXXX XXXXXXXX and Wells Fargo, including the complete appeal process of the appraisal. I am a XXXX XXXX XXXX XXXX  Veteran and a XXXX XXXX XXXX and XXXX XXXXXXXX for over 35 years. 

What am I looking to accomplish, I would like to be compensated the {$52000.00} of equity lost, I only had 3 years before my matured date of the grant where I would not have been obligated to pay any of the grant back. I would like an additional {$10000.00} for the higher interest rate I had to take because of Wells Fargo XXXX XXXX, the deception of allowing me to believe that they would allow XXXX XXXX to go into a second position days before my closing date. Knowing I had invested time, energy and emotion into this process. 

If CPFB can not assist me with this can you assist in helping me find an attorney that can.

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 2023-02-14 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: TX

Complaint narrative:
XXXX has reported on my credit inaccurate information without my permission a violation of 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 explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/XXXX -- - ; I received ( 3 ) letters from data furnisher XXXX stating as of the date of these letters, XX/XX/XXXX, XXXX has removed the disputed information from my file. -- -- I disputed my Public Record Bankruptcy item reporting with all ( 3 ) credit bureaus, Transunion XXXX on XX/XX/XXXX ), XXXX XXXX on XX/XX/XXXX ), and XXXX ( on XX/XX/XXXX ) ;. ; Transunion has several times forwarded dispute results ( for this same item ) stating the item remains and dispute results are verified as accurate. Transunion 's dispute results stated verified as accurate are false statements as the court or any court does not report to or provide information to Transunion. Transunion should remove the Public Record bankruptcy and associated bankruptcy accounts immediately.

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 2023-02-14 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: LA

Complaint narrative:
15 U.S.C 1681 section A. States I have a 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. Code 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Several inaccuracies in reporting as per FRCA guidelines i.e. last verified, date of last activity, date reported, date opened, dispute status, account status. EVERYTHING HAS TO BE 100 % ACCURATE ON MY CREDIT REPORT!! The account is in charge off status but it is still reporting I have a balanced owed that is not possible if the account has been charged off on the companies profit/loss statement. This is also another FCRA violation and also tax fraud in the eyes of the IRS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TX

Complaint narrative:
There's FRAUDULENT ACCOUNTS and addresses on my consumer report which I've reported a number of times, AND they have yet to be removed. I've never lived at XXXX XXXX XXXX XXXX XXXX TX XXXX. You, EQUIFAX, XXXX, and XXXX are all in VIOLATION of my rights. Because you have reported FRAUDULENT information to my consumer report, my life had been in shambles... So please remove the address listed ABOVE from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
There are a lot of hard inquiries on my credit report but the addresses dont match up. I am reporting because I suspect fraud on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
My payments for Barclays ( Old Navy Navyist ) have been on autopay for the past several months. The payments are submitted/received every 4 weeks. I set this up after my credit line being switched over to Barclays and my due date being switched. I was not informed of the switch prior to it happening. This caused me to have two minimum payments due in one month. I called and spoke with a representative at that time who explained the switch up of due dates was because of the credit line being switched to a new lender. After adjusting my monthly payment due date to the XXXX of each month to line up with my autopay I left it alone. I confirmed that everything would be fine going forward. I have not had any issues with my autopay or payments being applied correctly until XX/XX/2023. Due to the fact that Barclays received my payment on XX/XX/2023, they are reporting that it was applied during my last billing cycle ( XX/XX/2023. They received my XXXX payment on XX/XX/2023 ), so there is another payment due on XX/XX/2023. I called and asked for explanation. They explained it was due to my billing cycle close date. I asked if the funds could be applied towards my XXXX balance due, for which it was intended. It was explained to me that there is nothing that they can do on their end because that is just how the system works. I asked who created /monitors the system because while it may run itself, there has to be some type of human interaction for when things go awry. They explained there is nothing more they can do for me, so I informed them that I needed to close the account and that I would be reporting their business tactics.

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 2023-02-14 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items that do not belong to me. 
Please block/remove these items : XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: GA

Complaint narrative:
To whom it may concern, THE TERMS YOU AND YOUR REFER TO Nelnet. 

This document revokes all options for remedy requested prior to the date of the notarizing of this document. 

Attached are the communications, violations, and exhibits for evidential proof. 


BE MINDFUL SOME VIOLATIONS ARE CONSIDERED BOTH CIVIL AND CRIMINAL. 

This is my final plea for remedy, in which, I will proceed with the filing of complaints. Ive recently sent communications, Exhibit B, Exhibit F, via USPS mail, Exhibit G, requesting remedy for the damages caused by your willful act ( s ). I received correspondence in regards to my requests, Exhibit E, stating, Thank you for contacting Nelnet. We have received your Validation of Debt request on XX/XX/XXXX, please allow up to 30 days from the date of receipt for a response to mailed.. I acknowledge your admission of handling the account ( s ), Exhibit E. Regardless of the admission, I felt the response was disrespectful and emotionally triggering. You blatantly ignored my numerous requests for validation during the year of XXXX, and refuse to take responsibility for your willful injurious act ( s ) of torture. Yet, youre admitting to your possession of the account prior to my receipt of Exhibit E, which furthermore, verifies your guilt of the following violations attached to this communication, along with exhibits for evidential proof, but not limited to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: GA

Complaint narrative:
Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my profile. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. I demand that the following accounts, be verified or removed immediately : Please investigate and remove completely from my credit report, Please investigate and delete from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX SS # : 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 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
Bank of Texas has charged me over {$600.00} in OD fees on my business bank account when I specifically requested to opt out of OD Protection for this very reason! This is a secondary business account and all of our small deposits are getting taken up by OD fees when we never requested OD protection. This should be against the law to charge {$34.00} per paid OD transaction when the amount being covered is far less than the OD fee itself - this is a built in rate of lending that exceeds several thousand percentage points, which should absolutely be considered theft by large banks on low balance consumers. Being a Texas based bank, you would think they would be helpful to Texas based small businesses, but instead they are choking every penny from their accounts with ridiculous OD fees on small transactions!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/22, I paid {$140.00} to settle a debt owed to XXXX Credit card. I was told over the phone that the entry would be removed from my credit report within XXXX  days. I waited double the time and it is still reporting. I tried to open a dispute with TransUnion and it was not resolved. I was told the information is reporting as is and I was not provided any documentation of how the information was investigated. Shortly after, they sold my account to a collection agency by the name of XXXX XXXX and I was sent a letter advising they are trying to collect a deby from me that was already paid.

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 2023-02-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I reached out to the Bureaus XX/XX/XXXX regarding Account number XXXX which is a " XXXX XXXX account ''. In our communication each Bureau notified me that they " verified this account, '' and that " all information regarding this account was accurate. I then reached out to reach a mediation point with XXXX XXXX regarding this account and from speaking with them today XX/XX/XXXX I was informed that they : " aren't reporting this account to the four national credit bureaus, '' and that " this account was sold XX/XX/XXXX '' however as of Today XX/XX/XXXX this account is still on my credit profile. As a consumer I have the right to a credit report that is 100 % accurate. This account needs to be deleted from my credit profile IMMEDIATELY! I have also included a copy of that complaint in case the bureaus try and neglect my complaint. The response directly from XXXX XXXX  is on page 3 of the complaint where it details when the account was sold. The bureaus however are still reporting that this account is with XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to the Bureaus XX/XX/XXXX regarding Account number XXXX which is a " XXXX XXXX account ''. In our communication each Bureau notified me that they " verified this account, '' and that " all information regarding this account was accurate. I then reached out to reach a mediation point with XXXX XXXX regarding this account and from speaking with them today XX/XX/XXXX I was informed that they : " aren't reporting this account to the four national credit bureaus, '' and that " this account was sold XX/XX/XXXX '' however as of Today XX/XX/XXXX this account is still on my credit profile. As a consumer I have the right to a credit report that is 100 % accurate. This account needs to be deleted from my credit profile IMMEDIATELY! I have also included a copy of that complaint in case the bureaus try and neglect my complaint. The response directly from XXXX XXXX  is on page 3 of the complaint where it details when the account was sold. The bureaus however are still reporting that this account is with XXXXXXXX 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 2023-02-14 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I called the XXXX credit bureaus after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-14 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I called the XXXX credit bureaus after I purchased a credit report with XXXX  on XX/XX/2023. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus last XX/XX/2023. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT and hoping that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief