vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX  compliancy requirements. 
Under the FCRA, it is your responsibility to ensure that all information reported to credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  requiren to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review. 
Inormation in my credit ripestigate this matter and correct any inaccurate or incomplete Any tipal an o my co th repor prosite st or your vest the investigation resuls and Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I was checking my consumer report and saw a bunch of credit inquiries I do not recognize. 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 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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In in 2017 I was approved for a loan modification Wells Fargo Bank I was approved for a loan modification and when I got my loan documents through the mail I called customer service to have them go through it with me when I got a customer service woman on the phone she said she wasn't sure what I was looking at because the documents in her computer weren't the same as what they sent me so she was going to send me new documents to go over after sometime and talking with XXXX different people I never received new loan documents and then XXXX day I got a letter in the mail saying that they were going to foreclose on me because I didn't return my loan documents but I couldn't because the loan documents I had the lady at the bank said where the wrong ones and I talked to XXXX different people from customer service and they never sent me the right loan documents I had to make XXXX on time mortgage payments with my new mortgage amount of {$350.00} and once I did that they'd send me the loan documents because I was approved for my new mortgage loan when I got my documents I called customer service to have them help me fill them out and the woman on the phone told me she had no idea what documents I was looking at because the ones in her computer were different so she was going to send me new loan documents and after weeks and weeks and weeks of me calling customer service asking where my loan documents were I talked to XXXX different people and everybody said they kept sending them but nothing was coming they never sent me any new loan documents and then XXXX day I got a letter in the mail saying I was going to be foreclosed on because my documents weren't turned in by a certain date so I was forced to sell my home to avoid foreclosure and I never intended to have to sell my home and because Wells Fargo forced my hand with the foreclosure and I had to sell sell my home I became homeless

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The bank that my car loan is through sent me an email in XXXX of 2023 stating that I did not have coverage on the vehicle and that they would add cpi ( insurance ) if I did not send proof of insurance. Thinking this was a fluke I sent in my proof and waited. Then I got another email a month later stating the same issue so I sent in proof again, I got an email on XX/XX/XXXX saying they would get back to me in XXXX days. I got a response within the same day saying the format is incorrect so I resent the information in the correct format and never got a response. I got another email stating I needed to send proof of insurance on XX/XX/XXXX and I sent in my insurance again, I didnt receive any responses or notifications of needing proof of insurance again. Then in XXXX I get a notification that I am 30 days late on a payment, Im thinking this is impossible since I create a payment from my bank that then automatically goes to the account, when I look at my bloom account the payment more than doubled with the added cpi. I am frustrated since I sent in proof of the insurance and I even emailed and talked with a person over email about this so why wasnt I notified or given proper direction on what to do. I go into a physical location and the person was giving me a horrible interaction even once she realized I was submitting the proper papers for insurance. I then go to another location and they see my information and the documents submitted and agree that the info is correct and then remove the cpi. My problem is I was never notified that the cpi was added, there was no date or paper stating this, I was not told if anything was wrong with my documents after the initial email, I did not receive prompt help, and the bank messed up on their end by denying my documents were inadequate when they truly were. I never miss a payment so this is tanking my score when this was an issue on the banks end. I did play part and I paid for insurance and had it on the vehicle, I submitted documents proving it and I emailed and went into a physical location with no help. Even after this was finished I emailed the loan officer that helped to see if I can recoup any of the fees charged to pay the credit card I intended on paying off with the funds I had to use to pay the car payment that doubled.

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 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The bank that my car loan is through sent me an email in XXXX of 2023 stating that I did not have coverage on the vehicle and that they would add cpi ( insurance ) if I did not send proof of insurance. Thinking this was a fluke I sent in my proof and waited. Then I got another email a month later stating the same issue so I sent in proof again, I got an email on XX/XX/XXXX saying they would get back to me in two days. I got a response within the same day saying the format is incorrect so I resent the information in the correct format and never got a response. I got another email stating I needed to send proof of insurance on XX/XX/XXXX and I sent in my insurance again, I didnt receive any responses or notifications of needing proof of insurance again. Then in XXXX I get a notification that I am 30 days late on a payment, Im thinking this is impossible since I create a payment from my bank that then automatically goes to the account, when I look at my bloom account the payment more than doubled with the added cpi. I am frustrated since I sent in proof of the insurance and I even emailed and talked with a person over email about this so why wasnt I notified or given proper direction on what to do. I go into a physical location and the person was giving me a horrible interaction even once she realized I was submitting the proper papers for insurance. I then go to another location and they see my information and the documents submitted and agree that the info is correct and then remove the cpi. My problem is I was never notified that the cpi was added, there was no date or paper stating this, I was not told if anything was wrong with my documents after the initial email, I did not receive prompt help, and the bank messed up on their end by denying my documents were inadequate when they truly were. I never miss a payment so this is tanking my score when this was an issue on the banks end. I did play part and I paid for insurance and had it on the vehicle, I submitted documents proving it and I emailed and went into a physical location with no help. Even after this was finished I emailed the loan officer that helped to see if I can recoup any of the fees charged to pay the credit card I intended on paying off with the funds I had to use to pay the car payment that doubled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
The bank that my car loan is through sent me an email in XXXX of 2023 stating that I did not have coverage on the vehicle and that they would add cpi ( insurance ) if I did not send proof of insurance. Thinking this was a fluke I sent in my proof and waited. Then I got another email a month later stating the same issue so I sent in proof again, I got an email on XX/XX/XXXX saying they would get back to me in XXXX days. I got a response within the same day saying the format is incorrect so I resent the information in the correct format and never got a response. I got another email stating I needed to send proof of insurance on XX/XX/XXXX and I sent in my insurance again, I didnt receive any responses or notifications of needing proof of insurance again. Then in XXXX I get a notification that I am 30 days late on a payment, Im thinking this is impossible since I create a payment from my bank that then automatically goes to the account, when I look at my bloom account the payment more than doubled with the added cpi. I am frustrated since I sent in proof of the insurance and I even emailed and talked with a person over email about this so why wasnt I notified or given proper direction on what to do. I go into a physical location and the person was giving me a horrible interaction even once she realized I was submitting the proper papers for insurance. I then go to another location and they see my information and the documents submitted and agree that the info is correct and then remove the cpi. My problem is I was never notified that the cpi was added, there was no date or paper stating this, I was not told if anything was wrong with my documents after the initial email, I did not receive prompt help, and the bank messed up on their end by denying my documents were inadequate when they truly were. I never miss a payment so this is tanking my score when this was an issue on the banks end. I did play part and I paid for insurance and had it on the vehicle, I submitted documents proving it and I emailed and went into a physical location with no help. Even after this was finished I emailed the loan officer that helped to see if I can recoup any of the fees charged to pay the credit card I intended on paying off with the funds I had to use to pay the car payment that doubled.

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 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: KS

Complaint narrative:
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt State Collections claim that I owe you. I requested proof that on XX/XX/2024 and XXXX Collections has failed to provide me this requestioned information. 

Also in the letter sent on XX/XX/2024 I mentioned : " Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports ''. 

The company has not stopped the reporting on my credit report and this is a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. I am requesting that the reporting of this information be blocked and deleted. THIS REQUEST HAS ALREADY BEEN HONORED BY XXXX, and I have enclosed PROOF showing that the XXXX account listed here has already been DELETED by XXXX on XX/XX/24.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-24 00:00:00
Product: Credit 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: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I disputed a charge for {$66.00} as I never received the merchandise and when I tried to contact the merchant, neither the phone number provided in their confirmation email were valid, I tried since LAST year to get this resolved with Pen Fed and they just told me it was valid and kept the charge on my account. Even after I told them this information. They never provided me any documentation as to why they deemed it valid.

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 2024-02-24 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: CA

Complaint narrative:
Upon checking my Experian credit report I noticed a fraudulent account had recently been placed on my credit report I called XXXX XXXX and the agent could give me any information on the account but only advised me to sign up for a service they offer so they can help my get the fraudulent account removed from my credit report for {$99.00} a month then the agent started asking me personal questions about me what my social security number date of birth and my email and my telephone number made me very uncomfortable after collecting all that information he informed me that he was going to get access to my credit report so he can challenge the fraudulent account for a {$99.00} fee I told him no way I can do that on my owe any how I file a police report with my local police department in XXXX California please remove this information its not mines and I have never done business with XXXX especially around the time of XX/XX/year> 2023

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 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I am writing to dispute the alleged debt of {$170.00} associated with as claimed by XXXX XXXX, dated XX/XX/2021. As the executor, I am formally demanding the immediate removal of this account and the permanent deletion of the purported debt from all records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Summation : Fifth Third Bank failed to admin my account properly. At first, I believed that this was gross negligence, now I believe it to be much more. Fifth Third Bank took my payment/s and misapplied them. They even sent back payments as I attempted to keep making payments while they researched this matter. They were setting this up for years as they repeatedly attempted to say I missed payments. So much so, that my attorney had to send them proof of payments. I had to hire an attorney to defend their foreclosure attempts. They have not made ANY attempt to take accountability. 

On XX/XX/XXXX I sent a letter to : Fifth Third Bank Office of the President, ATTN : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX, OH XXXX In this letter it is stated : Please find enclosed proof of payments from XX/XX/XXXX through XX/XX/XXXX. Enclosed there is also the proof of the XX/XX/XXXX payment that was returned by Fifth Third Bank ( including the letter ). That return and letter effectively halted my ability to make payments to Fifth Third Bank until the payments that were not accounted for were credited to my account as Fifth Third Bank would not accept any continuing monthly payments. The issue with my account is solely due to Fifth Third Bank. As I have attempted to remedy the situation, the multiple times I have sent documentation to Fifth Third Bank. Listed below are the simple steps Fifth Third Bank can take to remedy this situation. If we can not remedy this situation, please move forward with your legal proceedings and I will retain counsel. This issue has caused significant and unwarranted stress to my family and I will await your response. 
Steps to Remedy the account status : XXXX. Update the account to reflect payments made through XX/XX/XXXX XXXX. The months that payments were not allowed to be made ( XX/XX/XXXX- XX/XX/XXXX ), defer these payments to the back end of the loan agreement. This would effectively place the account in a current status and I would make my XX/XX/XXXX payment. 
XXXX. Lastly, allow for the payments to be made electronically. This would keep a digital record of the payments and stop the additional costs I have paid to submit the payments.

Company response to consumer: Closed with explanation