vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
For the past year we have been having some financial problems. We have tried to work with our mortgage company Wells Fargo. On XX/XX/XXXX I called in a payment for {$1000.00}. On XX/XX/XXXX they sent us to active foreclosure. I did not find this out until XX/XX/XXXX when I tried to make another payment. We have not been sent any letter or email saying we have been sent to foreclosure. We have tried to work with them but they keep giving us the run around. They say they send letters that we dont get. They get very rude on the phone and have hung up on my husband. They wont give us any information that we ask for. We got told our options are give them the house or they will take it by force. No dates or anything have been given to us. Many times they have said that they have sent letters and we have not got them. A number of times they have told us that they dont except partial payments. I have sent extra money when we were late and they put it all in a unapplied balance. They they charged us a late fee for it not being in the right place. At one point there was multiple payments in the unapplied balance part. And we were being told that we havent paid. Wells Fargo has stressed us out in our time of need. We know that we got behind but we have been trying. They have also told us that they wont accept any payment unless it is the full amount past due. The words were all or nothing. So rude of them when we were trying. We have still not received a letter saying we got foreclosed. Last letter said call before they send it to foreclosure. We are not being foreclosed on. They also sent mail to my parents house when they dont have that address on file. They called me a liar when I told them what happened. They have been rude and wont work with us.

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 2023-01-12 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: AZ

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to the 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and noticed everything was still the same. The consumer reporting agency Experian did not modify nor remove anything. 

Which is a violation this is impacting my life and business in so many ways. 

I will attach my credit report to show Experian didnt removed these accounts.

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 2023-01-12 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
I do not have an account with Community Loan Servicing. The account information listed on XXXX is inaccurate. I did not open an account with Community loan Servicing in XXXX  as indicated on my experian credit report. I would like legal documentation of what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: MD

Complaint narrative:
After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: FL

Complaint narrative:
I have attached XXXX FTC reports with accounts and inquiries I did not authorize, please delete as they are affecting my life

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 2023-01-12 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX, # XXXX # XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX XXXX 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 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 2023-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have attached XXXX FTC report with accounts and inquiries I did not authorize and they need to be deleted as they are affecting my life

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 2023-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
XXXX & XXXX sued me in court for an unknown, unverified debt. I never received notification of the debt from XXXX or them. They have not correctly validated the debt saying it is part of a bulk debt from XXXX ; I think they meant XXXX. They never broke down the debt interest principal and charges. They never sent proper notices telling me about this debt and telling me I could dispute it which I strongly dispute. After they filed the lawsuit, I tried to call them and they never picked up the line, so I couldn't even dispute it verbally. 

Yet they took me to court. They never showed a proper XXXX XXXX XXXX or any chain of ownership even after I asked for proper and full validation. I was surprised that this case even made it to court because the paperwork was so XXXX and was the same generic paperwork they serve to everyone. My name was not on any specific paperwork except for a spreadsheet that it appears they created themselves. I attended the court hearing, was called by the wrong name by the judge and was served an order to pay the full amount with interest each year. To top this all off, I was served with a default judgment as if it didn't matter that I was even there and feel my civil rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: FL

Complaint narrative:
I have attached XXXX FTC report with accounts and inquiries I did not authorize and they are affecting my life please delete them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me. 


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 2023-01-12 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
1. Navy federal has put in the system that i owe them {$100000.00} I never EVER applied for no loan I've never had no unsecured credit card with them and every time i get in contact an employee tells me their working on it and always ends up hanging up. 
- i found notice of this when i tried to apply for a bank account and they told me that i owe never federal {$100000.00} this is FALSE this is stopping me from growing and getting jobs something i know nothing about. 

2. Navy federal is falsely reporting a debt that i do not owe. I got a secured credit that i put {$5000.00} down of my own money. they end up closing my account in which that money that i put down would be used in collateral to pay off the credit. MONEY that i never got from navy federal in the first place i put with my own money. 
- They reported the SECURED credit card as a UNSECURED Credit card on my credit reporting file i have proof, they are reporting untrue things that is extremely bringing down my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: TN

Complaint narrative:
I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. Experian, XXXX, and XXXX are reporting fraudulent information.

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 2023-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IN

Complaint narrative:
I called Mohela on XX/XX/XXXX to request a refund of about $ XXXX in student loan payments I made during the pandemic. The rep that submitted the request for me said it would take up to 90 days to see my loan balance readjusted in my account and receive the refund via the original method of payment which was through my bank account. I called again in the first week of XX/XX/XXXX because its been over 3 months since I originally made the request and the rep couldnt provide much of an update besides telling me that theyre still working on it and doesnt have an idea of when I could expect the refund back. I get a call a few days later because I emailed Mohela prior to calling them and this new rep told me that Ill likely receive letters in the mail from the Department of Treasury with individual checks of payments I made which is the last thing I wanted because who knows how long itll take for the department of treasury to write those checks, let alone receive them in the mail versus just depositing the amount in my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
My XXXX  was purchased brand new in XXXX XXXX and Financed through Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX. 
Their payment address is : XXXX XXXX XXXX XXXX GA XXXX This bank has no online payment portal or website, does not take payments over the phone without a fee and now has NO PAYMENT Processing center. 
I sent my payment for XX/XX/XXXX to them on XX/XX/XXXX via XXXX XXXX  XXXX XXXX it was mailed to the XXXX XXXX in XXXX Because this company has no technology XXXXXXXX XXXX mails them a physical check. XXXX XXXX mailed the check for XXXX on XX/XX/XXXX to the GA XXXX XXXX XXXX On XX/XX/XXXX I noted the payment had not been cashed/cleared my bank account. On XX/XX/XXXX I called Synchrony @ XXXX and was told I needed to wait 7-10 business days. This was weird because usually Synchrony cashes it either the day its sent or the next day. My wife called them back on XX/XX/XXXX and was told that their payment processing center in GA ( address listed above in GA ) was unknowingly or surprisingly shut down and all payments had been routed to someplace in Texas. My wife has called them every day starting on XX/XX/XXXX to see if they had the payment. 
Today XX/XX/XXXX when she called, she was told that we need to wait for the checks to be caught up. They are trying to process thousands of checks, but this is not my problem. If we want to make a payment tomorrow ove the phone XX/XX/XXXX for our due date of XX/XX/XXXX it will cost us a Fee which they refuse to waive. They refuse to provide a new payment address and have left us almost to the point of not being able to make our payments let alone timely. We need help making sure payments are captured timely and posted timely. 
I find it very hard to believe that they had no forewarning about their payment processing center in GA being closed. I also find it hard to believe that they have NO OTHER WAY of accepting payments. They want to setup for direct XXXX withdraws from my checking account, but they can't even handle a paper check so I can't trust them on this. 
At this point my XXXX/XXXX payment is going to be late due to their ineptitude and they say they will waive fee 's but I doubt that as well.

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 2023-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
On XX/XX/XXXX at XXXX Huntington Bank authorized two debit card withdrawals totaling XXXX from a combination of savings and checking account to XXXX XXXX. At XXXX we called the 1-800 customer service phone number at Huntington and informed them these were unauthorized transactions. We filed dispute # XXXX with Huntington and when speaking with XXXX at Huntington she said that " nothing could be done until the transaction posted on Monday XXXX night. '' She stated transactions could not be stopped. On Monday XXXX meeting with XXXX XXXX, Branch Manager at Huntington Bank in XXXX XXXX XXXX at XXXX he also stated that nothing could be done until Tuesday after these transactions posted. On Tuesday XX/XX/XXXX at approximately XXXX an additional XXXX  was transferred by Huntington Bank to cover overdraft fees. Huntington is stating misleading information to us indicating a lead time of XXXX days and it may not be returned at all. We have filed a report with the XXXX XXXX XXXX, MN police - case # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12 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: CA

Complaint narrative:
XXXX and Equifax Both agencies are reporting a medical debt for {$900.00} by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This bill was paid by XXXXXXXX XXXX  and XXXX XXXX tried to balance bill the contracted portion she is supposed to write off as a XXXX. I contacted the XXXX XXXX office and they corrected the billing mistake. They correctly adjusted the bill and removed the {$900.00} charge. I submitted the attached email I received from the XXXX  office and I requested XXXX and Equifax remove the false information being reported by XXXX XXXX XXXX. They did not remove the collection account and did not post the updated information I provided from the original creditor showing the bill was adjusted and the {$900.00} charge was removed. Both XXXX and Equifax keep reporting this false information and I have disputed this twice and called several times. This collection agency reporting needs to be completely deleted from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12 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: CA

Complaint narrative:
On XX/XX/2023, Experian reported a medical debt of {$290.00} from a collection agency called XXXX XXXX XXXX on my credit report from XXXX  XXXX and I live in XXXX. This was immediately disputed, as it violates the new law prohibiting medical debt under {$500.00} to be reported to a credit bureau and it doesnt belong to me. Experian should not be allowing collection agencies to report any medical debt whatsoever under {$500.00}. They are violating the provisions XXXX put in place to protect consumers. I disputed this with them electronically and verbally twice. The information has not been removed from my file and they said it XXXX take them several months to delete medical debt from all consumers credit files. This is unacceptable and they should be removing this type of information immediately when it is brought to their attention to protect consumers,

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 2023-01-12 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: FL

Complaint narrative:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these XXXX credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the XXXX XXXX XXXX XXXX XXXX XXXXXXXX credit reporting agencies have done to me. 


DELETE THESE ACCOUNTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, Transunion, and XXXX are reporting fraudulent information.

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 2023-01-13 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: TN

Complaint narrative:
I was reviewing my credit profile and I noticed that there was was some fraudulent accounts such as XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Please have the credit bureaus to stop reporting this fraudulent information on my profile. XXXX, XXXX, and Equifax are reporting fraudulent information.

Company response to consumer: Closed with explanation