vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My husband was in the hospital and on XX/XX/XXXX I contacted government program was told the we qualified for program for families having hard time told to contact Wells Fargo. When I called WF they told me I didn't qualify because my payments were upto date. My husband passed away and I called WF and was told my husband had to be alive to quialify. I called the government program back and was told to make WF do something for me. I called WF and was assigned XXXX XXXX. Was told to send worksheet, hardship lettler and proof of Income on XX/XX/XXXX. Was told by XXXX WF would refinance my loan put in any missed Payment ( she had told me stop making payments starting on XX/XX/XXXX ) into the loan. I was told to pay off my car, credit cards and medical bills.on XX/XX/XXXX I faxed XXXX check stubs, hardship letter and monthly expenses.On XX/XX/XXXX XXXX XXXX was my respresentative ( XXXX XXXX XXXX ). On XXXX XXXX XXXX I received a letter from XXXX XXXX telling me the rules had not been followed because of the time frame.. I rec 'd a letter from XXXX XXXX on XXXX XXXX XXXX stating they will not be able to find a solution.I call WF and spoke with XXXX and she told me not to worry even if I receive a foreclosure letter just keep working with them. On XXXX XXXX XXXX I rec 'd a letter from WF they had approved a short sale. Rec 'd al from XXXX, XXXX XXXX XXXX XXXX Foreclosure natice. on XXXX tried to block sale. ( Section XXXX of Real Estate Settlement ) On XX/XX/XXXX I spoke with XXXX at WF and was told they couldn't find the paperwork for the liens and IRS paperwork. If I could get that info to them they would do an emergency approval to take it out of foreclosure.. On XX/XX/XXXX WF was waiting waiting for approval from FHA. On XXXX XXXX XXXX I was told they had sold the property. On XXXX XXXX XXXX I spoke with XXXX XXXX and was told well fargo wasn't going to do anything for me, I was also told Wells Fargo made a {$23000.00} profit from the sell. I asked for that as I was told my an atty. The bank had to give me and profits and was told they didn't care they were not going to give it to me. The person XXXX who bought the house told me he was a retired builder and when my husband went into the hospital in XXXX XXXX Wells Fargo called him to ask him if he wanted to buy the house. At that time I had never missed a payment

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 2024-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nagle & Zaller, PC
State: MD

Complaint narrative:
Received letter first stating I owe XXXX, then XXXX then XXXX now XXXX I have receipts paying them monthly what is owed. In XXXX  I missed XXXX payments totaling XXXX per month. I have not missed a payment since. This is a XXXX XXXX 
Whenever I email or try to call no call back received. I have my payment documentation and can not understand the amount they say I owe. It does not make mathematical sense. I contacted a lawyer but have not had any action from the lawyer. Please help me. I am XXXX and if you look at my payment record with many other debtors you will see that I do pay what I owe. I strongly believe they are trying to bilk me out of money I do not owe, maybe because of my age. Please help..

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for an XXXX XXXX Credit Card on XX/XX/2024 I got an adverse action letter XX/XX/2024 I responded to Navy Federal Credit Union on XX/XX/2024 wondering why I am being denied credit for this consumer transaction under the equal credit opportunity act this is discrimination and under the fair credit reporting act as well the information reported on my credit report was not consented too and was inaccurate and negatively affected my credit report. 
15 usc 1602 15 usc 1611

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WV

Complaint narrative:
I sent a detailed email to Jefferson Capital systems, XXXX, on XX/XX/XXXX. Requesting copies of any documentation as to the original debt, with signatures. They sent me a statement from XXXX. That's it. No loan documents, no signatures, no other paperwork at all. I sent another request today. I asked for copies of any/all documents with signatures as to proof of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I have sent two previous letters outlining certain errors and inaccuracies on my consumer reports. Ive also outlined many incomplete fields on my consumer reports which were set certified mail to the consumer reporting agencies. What dates and times did they contact you regarding my disputes? I am requesting a detailed respond to their methods to verify and rectify these inaccuracies and incomplete data being reported.

If you do not have the proper data to report/ furnish this information please delete this account since you have failed to do an investigation. You have also failed to do a re-investigation. Now I am requesting a detailed description of the investigation process by your company on the two separate disputes sent to the credit.

Below I will also outline with red circles outlining my consumer reports to show further inaccuracies and missing data/ incomplete information on my consumer report. Please delete/ remove these accounts if these inaccuracies cant be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

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 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b 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 response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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:
Currently violating : -The Privacy Act of 1974 ( 5 U.S. Code 552a ) -The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) -Laws Broken : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681a ( 2 ) reporting of excluded information ; 15 U.S. Code 1681b ( 2 ) furnishing consumer report under no permissible purpose ; 15 U.S. Code 1681c ( 5 ) reporting adverse information ; 15 U.S. Code 1681e ( B ) failure to follow reason procedures to assure accuracy of consumer report ; -Liability : Pursuant to Fair Credit Reporting Act 15 U.S. Code 1681n Civil liability for willful noncompliance Governing Law : This Letter of Intent shall be governed under the Fair Credit Reporting Act I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted.

My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : ***TransUnion 19 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : XXXX 35 accounts listed below VIOLATES Privacy Act of 1974 ( 5 U.S. Code 552a ) : XXXX 42 accounts listed below VIOLATES the Privacy Act of 1974 ( 5 U.S. Code 552a ) and VIOLATES The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) : You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

See attachment of detailed transactions 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 non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group
State: VA

Complaint narrative:
This company is attempting to collect a debt which been sold in order for the seller to circumvent arbitration and it's proceedings. There is no sell or trade of the factual account in the originated arbitration just information such as phone email text buy no mention of selling the debt to a XXXX  debt collector.

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 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of nay information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM*******

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 2024-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was reviewing my credit report and noticed multiple credit inquiries from companies I have never heard from or have done business with thus they would have no legal right to access my file. Further for the few companies that I have accounts with that they confirmed that additional credit inquiries were not initiated by them and they must be fraudulent. I asked them to remove them however they indicated that I would have to formally dispute them with the credit bureaus and to identify them as inquires that I never authorized or gave permission for my credit report to be pulled. To be clear this is a violation of federal law and this is very alarming that my credit file has been accessed without my authorization. Seeing as I already have a fraud alert on my file I am wondering how these inquires were even made as I was not contacted to give my authorization. 

The following inquiries are the ones identified that need to be removed IMMEDIATELY as I never applied for credit with these companies either on the date in question or at all and they did NOT have permissible purpose to access my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my ID as proof of my identity.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
accordance with the Fair Credit Reporting act Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy These address do not belong on my credit report : XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX XXXX NC, XXXX : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX NC, XXXX XXXX XXXX XXXX XXXX NC, 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 2024-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: ME Title Holding LLC
State: NC

Complaint narrative:
XXXX XXXX and XXXX XXXX Signed a mortgage with XXXX XXXX funding XXXX XXXX XXXX XXXX XXXX was named as Trustee and XXXX Mortgage electronic services was named as beneficiary ( see attached ). On XX/XX/2022, XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transferred Plaintiff title to The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as trustee for XXXX XXXX XXXX and the XXXX was listed as XXXX XXXX. The complainant then reached out to XXXX XXXX and asked if they granted title to such entity or Trust, and they stated that they did not. The complainant is now seeking on affidavit to remove the false filing from public record per North Carolina statute. By law XXXX XXXX  is the Truste per Complainant contract on line XXXX it states concerning Substitute Trustee : Lender may from time to time remove Trustee and appoint successor trustee to any Trustee appointed hereunder by an instrument recorded in the count in which this Security Instrument is recorded Without conveyance of the Property, the successor ' trustee shall succeed to all the title power and duties conferred upon Trustee herein and by Applicable Law '. Only the Lender can remove the Trustee. No such document was filed in XXXX XXXX North Carolina giving Trustee Service XXXX XXXX XXXX XXXX XXXX the right to foreclose or transfer title or ownership to complainant property. 
Before going out of Business for over a XXXX count of mortgage fraud, XXXX XXXX XXXX did not file any such document in public record stating that they have remove XXXX XXXX as trustee so by law XXXX XXXX  remains Complainant Trustee. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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:
XXXX Block Request To Whom It May Concern, I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX documentation to the consumer. 
The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the 2022 NDAA . Section 605C is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Docket No. XXXX XXXX XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases oXXXX XXXX XXXX  ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-02-12 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:
Trafficking Block Request To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX XXXX Date of inquiry : XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX Date of inquiry : XXXX XXXX XXXX Account Number : XXXX XXXX Date of inquiry : XX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer.

The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year 2022 ( 2022 NDAA ) .2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section XXXX is effective 30 days after the Bureau issues its final implementing regulations. 
BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1022 [ Docket No. 
XXXX ] XXXX XXXXXXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.

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 2024-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TapTap Send Inc.
State: MA

Complaint narrative:
i had one account with " '' taptap send. " ", and i was using normally. when i told my wife to create one account there too. 
but something has did wrong, they dont gave explain for my wife, only suspended her account, when she called to ask about, they only say : we cant do anything, your account has suspend and you never can open account again with us. that's set! 

well, my wife was need money in her account in another country, i said for her : dont worry, i will send to you, because my account work fine. 
when i put her information from another country, and tried to send the money, " '' taptap send '' '' with no explain, just suspended my account too. 
when you call for suport or help, they only can say, i cant to do anything, you cannt open one account with us again, never! 

if you ask why, they dont has one " '' explain "... 

has start with my wife, blocking her. 
and then blocking me after. 

they dont try find the error or the problem, they dont try ask the custumer about more information, before suspend. and dont send any email or message or call, to explain why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Attorneys PRESSLER, FELT & WARSHAW LLP, AKA XXXX XXXX XXXX Willingly and knowingly violated several NJ laws, statutes and a number of fair credit ethical business practices by suing XXXX  of NJ residents in XXXX  Court of NJ, obtaining default judgments to seize Bank accounts, EXEMPT FUNDS SUCH AS XXXX, social security etc. On " debts '' far outside of the statute of limitations NJ set for 6 years. Poor AND ILLEGAL business practice, stealing money from persons on FIXED INCOMES, claiming they acquired such debt LEGALLY?!?!?! ABSOLUTELY NOT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation