vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Subject : Request for Resolution of Auto Loan Account Issues Dear Wells Fargo Auto, I hope this message finds you well. My name is XXXX XXXX and my account number is XXXX. I am writing to address several concerns regarding the handling of my auto loan, account mismanagement, and its impact on my credit profile, and professional life. 

In the latter part of XXXX, I acquired a loan from Wells Fargo Auto for the purchase of a XXXX XXXX XXXX XXXX from XXXX XXXX  in XXXX. Regrettably, following the loan acquisition, my account experienced mishandling, including being placed on multiple deferment programs during the peak of the coronavirus pandemic. Representatives often advocated for these deferment programs, resulting in the continuous reporting of late or overdue payments to the three credit bureaus. 

Despite my persistent efforts to rectify the situation through multiple calls to Wells Fargo Auto, my attempts to resolve the issue and prevent negative credit reporting proved unsuccessful. Furthermore, my attempts to set up automatic payments and discuss alternative payment arrangements were met with challenges, exacerbating the situation. 

The mishandling of my auto loan has had severe repercussions, adversely affecting my credit, hindering my ability to secure new credit, housing opportunities, and employment. I am currently facing the imminent risk of job loss and housing insecurity due to the lack of a payment arrangement for the settlement amount, currently at {$18000.00}. 

I am requesting a fair and positive resolution to this matter, specifically the prompt removal of my Wells Fargo Auto loan account from my credit profile. Additionally, I kindly request an adjustment of the reported loan amount to reflect the agreed-upon settlement amount of {$18000.00}. To facilitate this resolution, I propose a payment plan of {$1900.00} per month for four months, totaling {$7400.00}, and I am earnestly seeking an acceptance letter from Wells Fargo Auto acknowledging this arrangement. 

The provision of such a letter is crucial, as it will allow me to present a clear understanding of the payment arrangement to my employer and housing development, averting the potential loss of employment and housing. I understand the importance of fulfilling my financial obligations, and I am committed to resolving this matter amicably. 

I kindly request your prompt attention and cooperation in providing the necessary documentation to facilitate the agreed-upon settlement and ensure a positive outcome for all parties involved. 

Sincerely, 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 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Notice of Claim for damages XXXX claim for privacy act law violations, notice of violations of credit reporting and 3rd Party selling of private information, violations of terms and agreement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I cashed a third party check endorsed to me in to my chase account, and the money got hold, its been 10 days + and I still dont have the money, they said that the check is being verified and I have to wait till the XXXX, and thats what I did, and the same thing, my account is restricted now, and its going to close, I really need the money, Im going to be evicted of my apartment, this makes me really frustrated, the only answer I got is, to verify with the maker, and they dont have a verified number, Im really worried

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
First of all, B of A processed two successive fraudulent applications in successive weeks that were submitted using my PII for a XXXX XXXX XXXX credit card. The bank queried my credit but did not receive a response from the credit bureau because I have my credit locked. The bank then emailed me a request to unlock my credit file so they can process the accounts which prompted me to report both attempts to B of A as fraud. If B of A is aware that someone is fraudulently attempting to open accounts in my name multiple times, why do they continue to process them? Poor controls?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: FL

Complaint narrative:
XXXX XXXX sold my loan to SST, effective XX/XX/XXXX. I was communicated to not process a payment as of XX/XX/XXXX while they migrate our data from XXXX to sst. 

I made roughly half my XXXX payment, totalling {$220.00} to XXXX on XX/XX/XXXX. I paid the remaining XXXX payment ( {$210.00} ) directly to sst XX/XX/XXXX. That full amount of {$430.00} was due XX/XX/XXXX, therefore it was all paid early. 

Starting XXXX I noticed it showing the {$220.00} ( paid to XXXX ) as late/unpaid. I spoke to a rep, XXXX on XX/XX/XXXX & XX/XX/XXXX, both times being told everything was fixed, she could see the XX/XX/XXXX payment pending. 

I called again XX/XX/XXXX after continuing to get calls, texts, and emails about my erroneously-labeled " late payment '', told that it was being worked on, but they needed proof of the payment ( even though I was told previously they could see it ). I emailed the proof while still on that call. I was told late communications would be on hold for 5 days. 

Today I am continuing to get emails, texts, and calls about this error on their part, as if I am owing funds to them ... now their communications are mo longer even documenting the {$210.00} that i paid DIRECTLY TO THEM. I called again and was refused the ability to escalate. I was told this wouldn't hurt my credit ( which how can i believe that? ), and that i should not make any payments until this is fixed. 

This is unacceptable processing protocols, is a misuse of power by these servicers, and causing extreme undue stress on me and my family. I've reported to XXXX, no help yet. I need help fixing this and holding this organization accountable. I didnt chose this servicer, I never had a single issue while with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
I applied for a loan modification and was excepted with trial period starting XXXX When I spoke with them on phone on XX/XX/2023 ( after completing XXXX & XXXX trial payments ) They told me as long as I make XXXX payment by XXXX ( when they closed ) I would still be on time for XXXX trial payment. On XX/XX/XXXX I spoke with loss mitigation coordinator to assure there were no issues.She told me payment was accepted and she would call me once modifications were ready to be mailed out. The next day I received a letter dated XX/XX/XXXX stating that I'm not qualified for modification because I failed to make all the trial period payments.Called them with no return call so tried again today XXXX and spoke with rep who said payment had to be made by XXXX on XXXX which I was told XXXX in earlier conversation.Now they are trying to kick me off modification and have to pay {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have been recently informed that there is negative information reported by Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX XXXX XXXX MD XXXX The following information is incorrect XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX Identity XXXX Account Name : XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX This inquiry was not authorized. 
Inquiry Name : XXXX XXXX  Date of Inquiry : XX/XX/2023 The following information is incorrect Address : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX The following information is incorrect Address : XXXX XXXX, MD XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  XXXX Account Number : XXXX Identity Theft Account Name : XXXX Account XXXX : XXXX Identity Theft Account Name : XXXX Account Number XXXX XXXX Identity Theft Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Identity Theft Account Name : XXXX XXXX  Account Number : XXXX Identity Theft Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
A month ago I received emails from XXXX  saying I opened a credit card. I did not so I called the help line and they got XXXX down immediately. 2 Weeks ago I received 8 different emails from XXXX about an account being set up. I dont even work for the military, neither do my parents so how that got approved is beyond me. Luckily they shut the account down. Today I notice 2 Pnc login passcode attempts so I call and tried to speak to a lady then got disconnected. I speak with a next man an he just says sometimes it glitches. I told him well I am concerned because someone has been stealing my info. He just said that nobody can get in my account without the passcode.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/ I sent Experian a certified mail letter stating there are old outdated addresses on my consumer report and to delete them. 
I can not receive mail or any correspondence, nor ; do I have access to any of these addresses. 
I am afraid this may cause IDENTITY THEFT and I am demanding the information be DELETED and updated to my correct address! 
I have tried to resolve this issue multiple times with EXPERIAN and they have not made any effort to resolving this matter! 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ) I am a FEDERALLY PROTECTED CONSUMER and I have a right to PRIVACY!

Not granting me my rights ia in direct violation of 15 USC 1681 and all it's subsections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to contest the presence of this bankruptcy on my credit report. The filing and reporting dates, along with the closing dates, do not align. This is disconcerting as I possess a court letter clearly stating that this bankruptcy should not be reported to you. Moreover, the involvement of an unauthorized third party adds absurdity to this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: NBT BANCORP INC.
State: TX

Complaint narrative:
From NBT Bank- Got a personal loan almost 2 years ago, I always pay early. Been working hard to get my credit rating XXXX. About XX/XX/2023 something happened at NBT Bank. Although I make my payments early and the withdrawal is taken out of my checking account, NBT Bank for the past 4 months has sent me letters stating they did not get my payments and are charging me a {$5.00} late fee. I have called several times and even sent copies of my bank account showing the payments have been made- the first {$5.00} late fee was refunded but still have 3 more. Getting really tired of calling the Customer Service number, showing my account proving I made the payments on time, and repeating this action on a monthly basis and still getting late fees and possibly ruining my credit rating.

Company response to consumer: Closed with monetary relief