vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom this may concern, I am reaching out about a Wells Fargo Credit Card on my credit report that has not yet been removed and is continuously preventing me from progressing in life financially. I have reached out to XXXX and XXXX multiple times in attempts to verify the legitimacy of this account and I have received no information or proof that this account is valid. XXXX  results show the account is still currently reporting after my dispute. As of now the only thing I have received is a notification from XXXX with inaccurate results. XXXX has not responded at all. 

In my documentation I asked for a consumer signed signature form both companies and they could not provide this information. I also asked for any sorts of documentation that verifies this account and received nothing. I have reached out to Wells Fargo Card Services directly and they are completely neglecting the issue at hand. 

WELLS FARGO CARD SVC Acct no : XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Attached below are the letters sent to XXXX that I mentioned in the paragraph above along with receipts that require electronic signature from XXXX upon arrival. These exact same letters were also sent to XXXX but i did not attach due to their response. 

- statement of personal information correction - 3rd attempt 609 letter letter dispute

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 2022-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
We have been trying to get a Loan forbearance, to wave loan payments for 4 months to move those payments to the end of the loan. W we are able to pay escrow payments of {$700.00} a month for 4 months. My wife has been injured at home and she is not able to work for 4 months. We put in an application for the loan forbearance loan Care keeps requesting copies of documents they have or have miss read the documents. We have not missed payments in the past. It seems they are dragging this out so they can for close on us we have letters from Loan stating they are ready. We are now almost two payments behind. We feel that they are not trying to work with us from their own rules we fit in for a Loan Forbearance.

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 2022-05-03 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: Alabama Housing Finance Authority
State: MO

Complaint narrative:
XX/XX/2022 XXXX bills XXXX XXXX XXXX to care of address| {$22000.00} + principal balance {$74000.00} XX/XX/2022 submitted XXXX through IRS to XXXX as XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt XX/XX/2022 IRS accepted amount and instated transfer of credits XX/XX/202XXXX XXXX Department for XXXX  calls & emails for further clarification on XXXX process- sent to Counsel Legal XX/XX/2022 Foreclosure Supervisor XXXX XXXX rejected the XXXX payment of XXXX and threatens to begin the foreclosure contract Also, See Attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have had a FICO score for several years now that ranges between XXXX - XXXX. These are the scores provided by XXXX, XXXX, XXXX, XXXX, XXXX and until just recently, Experian. On XXXX my Experian score was XXXX, on XXXX I was notified by email that my Experian score had dropped XXXX points to XXXX. A XXXX p [ oint drop is significant. I went on line and checked all of my usual sources for my FICO scores and they were all in the XXXX. 

On XXXX I contacted Experian ( via phone ) to inquirer as to why only they had significantly reduced my FICO score. I was informed that they could not provide a reason for the FICO score change but said that they would send me a complte credit report for my review. On XXXX I received and throughly reviewed the Experian credit report. There were absolutely ZERO negatives and conversely, there were all positive comments regarding my credit history. 

On XXXX I contacted Experian again regarding the credit report data that was provided to me. They again, stated that there was nothing that they could do in terms of providing support/insights into the drop of XXXX points in my FICO score. XXXX, I subsequently checked all XXXX of the other primary sources for my FICO score and found that none of them had changed from the XXXX - XXXX range that was reported back on XXXX. 

In my view, Experian has seriously impacted my FICO score but is totally unwilling to provide any basis for the negative change. I find it very difficult to understand how a credit rating company can be afforded the responsibility to manage an individual 's credit score without in turn being held accountable for their actions in that regatrd

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 2022-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, a federally protected consumer, and beneficiary. I am making this complaint against WELLS FARGO BANK N.A. for committing identity theft. I have never given WELLS FARGO BANK N.A. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe, in interest of the estate titled, XXXX XXXX XXXX. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have never received any documentation requesting validation from WELLS FARGO BANK N.A. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If WELLS FARGO BANK N.A. can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

According to what Ive been told, after the banking crisis banks were required to do certain things, make certain allotments to the public, and to cease and desist doing certain things regarding consumer credit transactions. I know I dont have to run it down to you verbatim what the laws say. You may glean my line of reasoning and assessment from Clearfield Trust Co. V. United States , S.Ct. ( *Hist. ) and other similar authority dealing with corporate demands against individuals rooted in alleged debt arising on promises, pledges, guarantees, and contract/agreements. See Truth in Lending and FDCPA.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until WELLS FARGO BANK N.A. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and WELLS FARGO BANK N.A. continues its collection efforts, I will file for litigation for actual damages caused and WELLS FARGO BANK N.A. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

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 2022-05-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account, has violated my rights. 

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 an account without my written instructions. 


# XXXX - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX XXXX - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX  - INQUIRY DATE XX/XX/XXXX # XXXX - XXXX XXXX - INQUIRY DATE 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 2022-05-03 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: SC

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

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 2022-05-03 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: Freedom Mortgage Company
State: CA

Complaint narrative:
For months of XXXX XXXX and XXXX the mortgage company said that I was late on payments but, I have sent proof and complaints dozens of times proving that 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 2022-05-03 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX  Account # XXXX, Address XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.

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 2022-05-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
Today, XX/XX/XXXX : I am trying to dispute incorrect and out of date information on my equifax credit report as it is negatively impacting my score. I have tried calling into equifax where I spent approximately 20 minutes on the automated menu loop that made me press '2 ' every couple of minutes or it would hang up on me. Once it finally started to ring and it appeared like someone was going to answer, the call disconnected. So I called back and was put back into the automated menu loop. The representative then called me back six minutes later and then said that I was next in queue for a supervisor, after which I was placed on hold for over an hour. The person on the phone then asked the same verification questions numerous times then said they could not verify my information. 

I then went online to try and dispute this information, as well as uploading an image of my driver 's license that meets all of Equifax 's XXXXcriteria ' for a document upload, and I am being told they can not process my dispute on line - I must call them. I verified that my license photo met all of the criteria from file size to file name, only uploaded ONE image as instructed, and it puts you on an endless loop that will never allow an average person to be able to dispute incorrect and damaging information on their report. This seems intentional. I took photos and recorded the process of me attempting to dispute my report online all the way through the document upload process and the error message. Equifax had one of the largest consumer breaches in economic history in XXXX and seems to be deliberately prohibiting people from being able to repair their credit by disputing information. 

My XXXX and XXXX credit reports were updated at the time that some of my information changed and debts were paid off so I don't understand what is wrong with Equifax and why they have become so poorly managed in the last few years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
The account for XXXX XXXX is reporting as 30 days late. I have never been late on this account. I have called and written in several times concerning this matter. It hasn't been rectified as of yet. The date it is reporting late is XX/XX/2021. It was removed before, then placed back onto my report. XXXX has removed it permanently.

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 2022-05-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
bank of america has denied my claim for 5 months i have filled a police report everything they have asked. further more they broke it down into three different claims and approved the other two in less amounts but still consider the large amount denied

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 2022-05-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Received a notification from Truist today that my mortgage was increasing by {$710.00} ( which is a 24 % increase ) starting in less than 30 days. They state that this is due to the fact that the escrow account is overdrawn due to property taxes. We paid our first year of property taxes and our homeowner 's insurance as part of our closing cost. In addition, we have been paying {$1000.00} in escrow each month. There should be plenty of money to cover property taxes as we have lived in the property for only a year and have provided XXXX in escrow funds. When I called them to ask for clarification, they stated it was possible the property taxes were paid twice ( at closing and by Truist ). They noted it was my responsibility to figure out how to get the money refunded. When I asked them what I should do regarding the additional XXXX I would owe each month, they stated I could ask customer service to lower the payments but implied I would ultimately be responsible for covering the additional cost while the refund was sorted out. They made no attempts to reconcile the morgate payment increase difference while the account was being investigated. This mismangament of our escrow account is predatory.

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 2022-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: AZ

Complaint narrative:
I was contacted by First point Collection regarding a matter they wouldn't say all though I told them I was XXXX XXXX and they called me. If this has anything to do with my credit I have the right to know since I did not do any business with this business. The agent was very rude even tho I expressed concern regarding this matter. I do not honor anything they have in there office because this is fraud and if my social is involved it will cause me harm that I do not accept. does this company have my wet signature I believe not since I have no dealings with this company. all right reserved XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

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 2022-05-03 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX acct # XXXX, has violated my rights. 
XXXX XXXX acct # XXXX, has violated my rights. 

15 USC 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information, Any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These accounts show as DEROGATORY status on my credit report. Both of these accounts have been settled last year in 2021. I agreed to an amount with BOTH companies to settle this debt and delete these accounts from my credit report. Both of these companies have not done their obligation. In fact they still have a derogatory status showing on my credit report. I do not want these accounts updated I would like both of these accounts deleted from my report. They have had their chance to fix the errors for over a year now and have failed to do so.

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 2022-05-03 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: NY

Complaint narrative:
XXXX XXXX XXXX Account number XXXX. 
Has violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions. 
Account number XXXX has also violated my rights in accordance with the Fair Credit Reporting act 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 accounts without my written instructions

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