vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
My wife and I had a new roof put on my home using a company that does home repairs. They took out an application with wells Fargo and got us a XXXX dollar credit card and charged the amount needed to complete the job XX/XX/XXXX. We made our monthly payments for about 4 years. we struggled a bit and wells fargo was charging us XXXX dollars a month for a XXXX  day late payment each month. some were longer. we defaulted due to hard ship and paid all but {$8300.00}. before we defaulted. around XXXX. We received hundreds of collection calls. We were still living almost check to check paying what we could. I got a promotion and started paying our bills more reliably. the debt collectors for this account continued to call, they gave us an option to pay a portion of this debt and at the time we received taxes. So i paid a large portion of this off and they settled. They even took the debt off my credit history. which is no longer on my history If this is a legal dept then why take off my credit history. I have called to get my history statements on my account at wells fargo and get the info of the debt collectors. but they have not yet to send me any of the statements. they submitted a XXXX notice to the IRS stating i had income from them for the tax year of XXXX the last date i had interaction with them was in XXXX per the rep.

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 2023-07-13 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions 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 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

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
i have an account with back of America, and i think they been increasing all fees on my 2 credit cards now I'm struggling to pay them off i would like to you guys check on my history

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 2023-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Due to this law the late payments on my account should be reversed title. 
( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
In XXXX of XXXX, my personal services was required and I was payed by different people a total of XXXX in oayments fo XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX. 

Since the payment was sent under the name of the person and not my actual name by accident due to a form error, captiol one has held this money in my account providing interest for going on 3 yewrs without letting me withdraw the funds. 

Therefore, Iam seeking to have the withold removed to reclaim my lost money, which i paid taxes on, have to report for my debt to income ratio as well as have been denied benfits for having an account under my name have over XXXX in it. 

Capitol One after three years of holding my money on an account which had no request by an of the people to return the funds, cancel the payments or file a dispute has insisted to claim i am a criminal and hold the money i definitely and it is current XX/XX/XXXX and it has been in that account for them to use to gain interest since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've never applied with these companies, They giving me a hard them getting them off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PR

Complaint narrative:
In XX/XX/XXXX I bought a unit condo throw a mortgage loan. Blueprint report that the property was constructed in XXXX. In XXXX I had a loan modification. On XX/XX/XXXX, there was a water flood event from a pipe located on the sixth floor that exploded affecting several units including mine. Because of the water flood mitigation process, on XX/XX/XXXX, a notice letter was posted on each entrance door and in each unit door. This letter was on behalf of the Condominium Board of Directors. In this notice, residents were informed that the building materials tested revealed the presence of a hazardous level of asbestos. As a result, immediate mitigation and abatement services needed to be commenced at the building. To preserve the health and safety of all the residents of the building were asked to vacate all units as expeditiously as possible and temporarily reside elsewhere. It was required to vacate all units no later than XXXX XXXX on Monday, XX/XX/XXXX. And this process to abate the hazard supposedly takes up to ( 60 ) days. On Monday, XX/XX/XXXX, during a units owner XXXX meeting, it exposed controversial information about the real age of the condominium. Evidence from County public records reveals and confirmed the existence of the property in the XXXX decade. Therefore, it is false that the condominium was constructed in XXXX. Even though the discrepancy between the property and a mortgage of a property does not exist, this account is in good standing. I was never told or agreed to buy such an old property that requires special maintenance. Also, I am still uncertain about other hazardous elements that might be present on this property as well as the uncertainty of the risk of being exposed to asbestos in future years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 


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  Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022 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 2023-07-14 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: AL

Complaint narrative:
On XX/XX/2023 I called the credit reporting agencies and let them know that this Open/ Collection account that's being reported in the documents included below is not supposed to be visible on my consumer report. I never gave them written consent to report them. Under 18 U.S. Code 1028A ( 1 ) you are in violation of Aggravated identity theft by reporting these accounts without my written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
Over {$11000.00} was added back to my account and Barclays attempted to extract a minimum payment of {$1500.00} from my private checking account. When I saw that wasn't going to clear, I had to put a stop payment on the {$1500.00} charge ( costing me fees from my Credit Union ). Then because Barclays attempted to put it through twice, Barclays hit me with XXXX {$40.00} returned check fees and a late payment fee. I had made an early payment on XX/XX/XXXX of {$150.00} ( close to twice of what my minimum payment should have been and the payment was not due until XX/XX/XXXX. ) Then, Barclays abruptly shut off my credit and unbeknownst to me, lowered my credit limit to slightly above the new balance. If that was not enough, my credit report was affected and my XXXX score shows an XXXX point drop ( solely due to this. ) I had no late payments on my credit report before and my credit capacity was high. Now it is showing a late payment and overbalance. I just don't know how to remedy all this and get it back to where it was before all the previous complaint happened. How can this company even make this right at this point? I'm sure they will figure it out, remove the extra charges and hopefully reinstate my full {$9600.00} capacity, but they can not fix my ruined credit report. 

I have now lost credit capacity on another card as well solely due to this whole debacle.

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 2023-07-14 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: 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.

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 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: GA

Complaint narrative:
I filed a complaint last XX/XX/XXXX  regarding these accounts appearing on my report that I am not aware where it came from. XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX  XXXX XXXX ( Collection ), XXXX  XXXX  XXXX ( Collection ) and XXXX XXXX ( Collection ). I demanded an investigation but did not receive any response and the items are still reflected on 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 non-monetary relief
Consumer complaint received 2023-07-14 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 filed a complaint last XX/XX/2022 regarding these accounts appearing on my report that I am not aware where it came from. XXXX XXXX XXXX ( Collection ), XXXX XXXX XXXX ( Collection ) XXXXXXXX XXXX  XXXX XXXX ( Collection ), XXXX  XXXX  XXXX ( Collection ) and XXXX XXXX ( Collection ). I demanded an investigation but did not receive any response and the items are still reflected on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harvard Collections, LLC
State: TX

Complaint narrative:
My Name is XXXX XXXX XXXX, this is the 2nd time within 6 months I am requesting this debt collection is removed. The company acknowledged it in not mine but has sent a collection notice again. I am formally requesting that you validate all trade line notations you have submitted to the major credit reporting agencies ( XXXX, XXXX and XXXX ), based on the account information and any additional information of this account from the Department of Human Services. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX {$560.00}. Due to possible inaccuracies in these CRA reports, I must demand a validation. I hereby lawfully request to be in formed through a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this trade line. Please note that by law you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative trade line notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FDCPA, FCRA, and other federal statutes. Current Address : XXXX XXXX XXXX XXXXXXXX, TEXAS, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it 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 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
I received a letter on XX/XX/XXXX stating my check was being rejected because We are unable to accept credit cards. The check itself has a stamp that said received XX/XX/XXXX. I called SLS mortgage company XX/XX/XXXX to inquire since the check I sent was through a debit card through Bill Pay. They told me they couldnt do anything and wouldnt research it further. Additionally, the representative wouldnt transfer me to a supervisor and just dropped my call. The money has already been taken out of my account and Im worried now I will incur collections and be reported for a late 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 2023-07-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
Hi, Before the COVID forbearance, I was making my student loan payment under the XXXX  ( Revised pay as you earn ) plan, with a total monthly payment of {$280.00} ( two loans ). Please see my attached payment tracker. 

As you know, the payment pause is coming to an end. However, my monthly payment has increased drastically to {$3400.00}, out of no reason. I have also attached the screenshot of my new payment amount for your reference. I did not do an income recertification and did not change plan during the COVID forbearance. Under the published Federal Student Aid policy, the payment amount will return to what it was before once the payment pause ends. 
Resource link : https : XXXX # payment-amount I have also attached a screenshot of such policy. 

I have contacted MOHELA numerous times and each time, the representatives acknowledged their mistake and said they would submit a request to get it fixed. However, every request had been denied by some unexplained reasons.

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