vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Greetings, I'm an honorably retired and permanently XXXX military veteran. I'm one of the many innocent consumers affected by Wells Fargo unethical, illegal, and discriminatory mortgage practices. 

I have filed several complaints on the CFPB website about Wells Fargo 's egregious actions. 

I reached out to Wells Fargo on several occasions prior to and during COVID for assistance. I repeatedly pleaded for Wells Fargo to offer me a loan modification and a refinance to keep my family home. 

I bought my home while selflessly serving in the military. By joining the military and making other life choices, I was fighting for my country, building a promising future, and creating generational wealth. 

Unfortunately, I lost my home because Wells Fargo unfairly denied assistance to me. 
Wells Fargo initiated foreclosure proceedings, forced my family out of our home, and damaged my credit standing. 

Wells Fargo caused PERMANENT and GRAVE harm to me ( and my family ) emotionally, mentally, and financially. 

I wanted to keep my home in the family and pass it down to other generations. Wells Fargo 's biased actions have prevented that from happening. 

Additionally, I could not get assistance from other banking institutions/lenders due to Wells Fargo 's deceitful and dishonorable conduct of reporting foreclosure proceedings to the credit bureaus. 

I humbly request that the Consumer Financial Protection Bureau help me get compensation for the destruction that Wells Fargo has caused me and my family. 

Wells Fargo keeps denying any wrongdoing. I ( and other victims ) state otherwise. Consumer Financial Protection Bureau, please hold Wells Fargo accountable for their illicit actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have been receiving calls from Midland credit for the past couple of weeks and I will put the number into a scam call detector and it says its a scam, but even after I block the number they still reach out to me from a different number. So I called them back today and they gave me the wrong name when they addressed me. The man said his name was XXXX XXXX, but he would not give that to me until I asked him multiple times, and asked why I needed his name when I first asked. He said he thought my name was XXXX, which is incorrect and I believe this is a scam because I am young and I have never even opened a credit card account so I dont understand how I would have any debts when Ive barely even bought anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: PNC Bank N.A.
State: NV

Complaint narrative:
On the XXXX of XXXX, I received a letter from PNC Bank stating that my credit limit has been drastically decreased from {$7500.00} to {$700.00} due to factors from most recent credit report. However, there are no negative blemishes on said report, showing nothing but exceptional payment history for our entire relationship. Utilization went from 24 % to 50 % due to their changes, and a lack of explanation as to what could have caused this is why I am submitting this complaint. They told me it was based on credit report and could not discussed further. Credit report shows nothing and has now dropped by XXXX points due to this change alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
Early Warning Services needs to stop reporting the accounts below. My lawyer has been contacted and were going to file lawsuits if these fraudulent accounts are not removed. 

Accounts ending in XXXX and XXXX do not have a reported record since the accounts closed more than five years ago. 

Accounts ending in XXXX and XXXX were requested to be removed by XXXX XXXX from EWS more than thirty days ago. I sent XXXX XXXX two letters and XXXX XXXX told Early Warning Services to remove the accounts immediately from the consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I, XXXX XXXX, consumer have come to the understanding IC system is in violation of my rights to privacy. ( See Attachments )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
These non account INQUIRIES are unknown and unauthorized. IN violation of FCRA Consumer Laws. CHEXSYSTEMS has no permissible purpose to furnish this private information. Nor can someone's credit be pulled without a FIRM OFFER of CREDIT. As Congress STATES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Received letter in mail about this debt. Never knew of it never signed up for it. Never received any calls, emails or mail about it until a collection letter. I have never visited this state of lived in this state to have this membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: TN

Complaint narrative:
The collectora called RENT DEBT AUTOMATED COLLECTIONS contacted me via phone arguing that I owe XXXX from.a debt in XX/XX/2018 because I left the rental unit in XXXX Tennessee before the contract was due. I left because the bathroom did not work. And I have XXXX children that were using the yard to XXXX and XXXX. I wrote letters to the leasing office, but they never responded me back. 
They are damaging my credit score because of that. So, I agreed to pay it in parts. But it is too high. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
So, initially, I sent a certified mail letter to Capital One on XX/XX/XXXX, requesting that they forward me a copy of the 1099-C that they filed when they charged the debt off with the IRS. The amount listed is {$620.00} Capital One received this Certified mail letter, signed, dated, and returned on XX/XX/XXXX. 

On XX/XX/XXXX, I made my second attempt to fix this issue with the company by sending via Certified Mail, another letter that includes a notice and detailed description of the inaccurate reporting that Capital One is allowing to happen. 

Under the United States Code, 15 U.S. Code 1681s2 says, Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

Duty - a moral or legal obligation ; a responsibility. 
Accurate - correct in all details ; exact. 
Prohibition - a law or regulation forbidding something. 

As defined by The IRS : Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary Income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition, the IRS clearly says a Canceled or Charge Off is income. The reporting of this account as a debt is inaccurate. 

The above information is only part of the unresolved letter ( second attempt ) that I sent to Capital One. 

Due to the nature that Capital One has failed to send me a copy of the 1099-C in a timely manner. I had decided to offer them TEN ( 10 ) more DAYS to DELETE the account as well as send the 1099-C that Capital One charged off with the IRS. 

Those ten days have passed and still, no documentation has been sent to my abode. It us clear that I have been more than willing and generous to try and solve this issue between the company and myself ( the consumer ). 

I hope that this message receives you well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these three items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from XXXX, TransUnion and XXXX... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX is an account that is more than 7 years old. 

XXXX XXXX is more than 7 years old. 

XXXX XXXX credit is not my account. 

Neither of these three items should be showing up on my credit reports according to the Fair Act Credit laws... XXXX and XXXX XXXX are more than 7 years old and should be completely removed from my credit reports and not showing up as closed they should be completely removed from XXXX, XXXX and Experian... First Access has been sold to a third party and was not even mine to begin with, yet it is still showing on my credit reports... How many times must a consumer contact the credit bureaus before those at the bureaus abide by federal law and practices... I have put in complaints through your office at least three times ... .. Will you put a stop to the nonsense of the three credit bureaus that continue to put items on my credit that goes against the fair credit laws ..... Thank you for taking out the time to read my complaint... Have A Wonderful Blessed Day

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: GA

Complaint narrative:
I keep getting phone calls for this debt after I told them I have no knowledge of this debt, still requesting money from me and calling

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: FL

Complaint narrative:
Disputed item on my credit report with the credit agencies and creditor. Received a message that account was Now resolved by data furnisher. This account is not mine and has resulted in financial damage preventing me from renting, applying for a mortgage, and results to high interest rates when applying for credit. 

pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I requested that creditor re-verify this account and that the inaccurate items be deleted from my record. Creditor and credit agencies must not list incorrect data as an accurate credit report is my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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:
Disputed item on my credit report with the credit agencies and creditor. Received a message that account was Now resolved by data furnisher. This account is not mine and has resulted in financial damage preventing me from renting, applying for a mortgage, and results to high interest rates when applying for credit. 

pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I requested that creditor re-verify this account and that the inaccurate items be deleted from my record. Creditor and credit agencies must not list incorrect data as an accurate credit report is my right.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with XXXX. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so.

FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now.

Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate.

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
This company is worse than the other one I previously had! Since they have taken over my contract, they have been harassing me with many calls and left messages on my door, and it has become an everyday thing of this! I have started the paperwork for a loan modication and but there are still some things that are needed that I am working! But the harassment needs to stop! My finances have changed drastically, and so this why this i did the forbearance! But I am just tired of it! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX & TRANSUNION LLC are willfully neglecting and non compliant and continues to furnish Previously Disputed account items for inaccurate inconsistent unauthorized information on my Consumer Report. 2 US DEPARTMENT OF EDUCATION accounts begin in COLLECTIONS then Falsely OPEN showing {$0.00} PAYMENT RECEIVED yet CURRENT ; PAID or PAYING as AGREED. WHICH IS INACCURATE FALSE INFORMATION. ALSO SHOWS INACCURATE INCONSISTENT BALANCES, DATES OPENED & DATES UPDATED ON SEPARATE FILES SENT VERIFIED AS ACCURATE DISPUTED ITEMS ON THE SAME DATE. XX/XX/2023 Congress STATES the OBLIGATION for 100 % ACCURACY, PRIVACY and EXCLUSIONS FROM CONSUMER REPORTS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Atlanticus Services Corporation
State: MI

Complaint narrative:
Aspire will not allow me to make a payment towards my Aspire credit card. Yes, you heard that correctly.. 
I have been in the hospital for the last 3 weeks. Returned home on XX/XX/23. My aspire credit card was set on Auto pay but the payment of {$53.00} was returned as a result of me not having access to my bank accounts due to being hospitalized. 
Therefore, today XX/XX/23, I logged into my account to cover that payment using my debit card. I received a pop up that I could no longer make online payments. 
I used the Live Chat and they could not give me a reason, just stated I had to call to make a payment. I am XXXX XXXX XXXX, just out of hospital and due to bad hearing I get a lot of anxiety trying to discuss things over the phone. Plus why would I not be allowed to make an internet payment with a DEBIT CARD. SInce those payments are processed immediately. 

Seems Aspire is trying to make it difficult to pay my account then charge me hefty late fees. 
I have had a few payments returned but always covered them. Plus Aspire sufferers ZERO harm if a payment is returned. I am the one harmed with high return fees or late fees. 

This policy Aspire has refusing to allow me to make an online payment is absolutely harmful to me, is discriminatory and violates Federal policy.

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