vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
WELLS FARGO BANK , N.A . refused to provide the note, any assignments or the XXXX information. WELLS FARGO BANK , N.A . used a forged deed of trust to perform a non-judicial foreclosure. They used an employee ( or her name ) to robo-sign an assignment from MERS. This was the only assignment after the initial closing documents. 

XXXX. WELLS FARGO BANK , N.A . acting as servicer, did conduct a nonjudicial foreclosure on subject property on XX/XX/XXXX. 

XXXX. WELLS FARGO BANK , N.A . recorded a fraudulent, forged deed of trust on subject property. Essentially assigning the subject Deed of Trust to itself. 

XXXX. WELLS FARGO BANK , N.A . admitted to securitizing the subject note. 
XXXX. WELLS FARGO BANK , N.A . states that they are still in possession of the original subject note. This means that WELLS FARGO BANK , N.A . is a ) providing misleading information about the current owner/possessor of the subject note to a federal court or b ) never conveyed the subject note to the securitization trust. The XXXX website lists XXXX XXXX as the guarantor of the alleged debt. 

5. In violation of the federal False Claims Act, the National Servicer Guidelines and the XXXX OCC Consent Judgment, WELLS FARGO BANK, used a WELLS FARGO BANK , N.A . employee ( XXXX XXXX XXXX ) who purports to be a Secretary of MERS and employee of WELLS FARGO BANK , N.A . XXXX XXXX acting as a notary of the State of Minnesota id conspire to forge and assign a deed of trust on the subject property to itself. 

XXXX. WELLS FARGO BANK , N.A . recorded this forged Deed of Trust in the XXXX XXXX, Missouri Recorder of Deeds records across state lines. 

XXXX. The fraudulent, forged Deed of Trust was used to have Claimant, her children and pets, forcibly removed from their home. 

XXXX. XXXX  was never named on the original note. 

XXXX. WELLS FARGO BANK , N.A . is not the original lender or the current owner of the note and has no security interest in the subject note. I, XXXX, XXXX XXXX XXXX XXXX XXXX revoked security interest . However, WELLS FARGO BANK , N.A . continued to retain all interest in the security and fraudulently took possession of my property no longer bound to the security. 

10 Violations of the Federal Reserve Act Section 29 11. I, XXXX, XXXX XXXX WELLS FARGO BANK , N.A . a security to process through the U.S. Department of Treasury. They only kept the security for themselves. It was never returned. No proceeds or dividends were provided. 
There was never a meeting. WELLS FARGO BANK , N.A . wanted to record all calls. However, they refused to allow me to record the calls to protect myself. XXXX XXXX violations. 

All of these unlawful acts by WELLS FARGO BANK , N.A . have caused near grave harm to Claimant, her children and pets.

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 2023-11-08 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
On XX/XX/2023 XXXX, submitted a dispute with ChexSystems, asking them to investigate and remove these accounts from my report. ( See accounts Below ) XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX, VA XXXX Phone Number : XXXX Amount : {$300.00} XXXX XXXX XXXX  ; XXXX XXXXXXXX XXXX XXXX XXXX,, XXXX XXXX, TX XXXX Phone Number : XXXX Amount : {$530.00} XXXX XXXX XXXX  ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone Number : XXXX Amount : {$570.00} ChexSystems has refused to investigate this matter pursuant to the FCRA LAW. ChexSystems has failed to investigate my dispute violating the law and refuses the remove these unauthorized accounts, and after citing federal law, chooses to ignore and violate these laws : 15 U.S. Code 6801 - Protection of nonpublic personal information 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681b - Permissible purposes of consumer reports 18 U.S. Code 1028A ( c ) ( 8 ) Aggravated identity theft section 523 of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6823 ) ( relating to obtaining customer information by false pretenses.

Should you decide to discriminate against me you will be in violation of 15 U.S.C. 1691 ( a ) ( 3 ) of the Equal opportunity Act.

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 2023-11-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
My identity was stolen- my car was broken into and my wallet that contain my ssn and id was stolen. almost a year later two credit cards was open and started being reported as charge off to CRA. The original creditors are Comenity bank. I disputed the account with the original creditor and the CRAs multiple time. I made them aware that this account was open with out my consent and I provided the identity theft report filed with the FTC. Both accounts are being reported as charge account and one account was sold to XXXX XXXX XXXX and now being reported as a collection. I file a dispute requesting validation and did not receive any proof that the account was mine. The name and address on the account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been paying my credit card with my bank debit card that way its paid on time, but Capital One changed to just routing and account number, which took longer to process and made my account have late and overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: DC

Complaint narrative:
This is a follow up complaint/dispute for XXXX. 

Dispute Regarding Inaccurate Information Reported by IQ Data International Inc Hello, I am writing to dispute the information reported by IQ Data International Inc on my credit report. It has come to my attention that the account information provided by your agency does not match my financial history. Specifically, all three credit bureaus are reporting conflicting details about the type of account in question. 
While one credit bureau asserts that this account is a joint one, XXXX has indicated that it is an individual account. I want to clarify that I have never engaged in any business transactions with IQ Data International Inc, nor do I owe any such debt as suggested in the report. 
Cease and desist all inaccurate information and I kindly request that you investigate this matter thoroughly and remove any inaccurate information from my credit report. It is imperative that my credit history accurately reflects my financial standing, and I believe this discrepancy is a result of an error in reporting. 
Please provide me with the necessary steps to rectify this situation and ensure the removal of this erroneous entry from my credit report as soon as possible. Your prompt attention to this matter is greatly appreciated. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
On XX/XX/, a repossession company came and repossessed my truck, did not realize that there was a 20 ft trailer connected until they tried to drive away. Backed the trailer up into the side of my portable storage shed and ripped the side open. In Michigan there is a breach of peace law pertaining to repossession that requires that a person by made whole for the damages. The loan company would only waive the repossession fees and not pay for the damages incurred by their contractor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: VA

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to submit a formal complaint regarding the inaccuracies in my student loan payment history. As of my last review, my student loan account shows an incorrect payment history, with outstanding payments when I am in pay-ahead status and do not owe any further payments. I kindly request that you investigate this matter and rectify the inaccuracies in my payment history. 

I would like to draw your attention to the fact that the Consumer Financial Protection Bureau ( CFPB ) has identified cases where borrowers ' monthly payment amounts, due dates, and payment plans have been inaccurately reported. In one specific case ( Fall 2022 ), CFPB found that inaccurate information resulted from a servicer 's failure to include current repayment schedules for hundreds of thousands of borrowers ' accounts. Furthermore, another servicer sent statements to over XXXX borrowers with incorrect information about their next due date and the date federal student loans were set to return to repayment. These findings by the CFPB highlight the importance of ensuring the accuracy of payment history and the potential negative consequences that can arise when such inaccuracies occur. 

For your reference, I have attached a document that provides clear and conclusive evidence of my payment history, clearly demonstrating that I am indeed in pay-ahead status. The document highlights the payments I have made, the dates on which they were received, and the subsequent reduction in my loan balance. I believe this evidence, along with the CFPB 's findings, will help you understand the discrepancy between my payment status and the information displayed on my account. 

My payment history shows a total pay-ahead status of {$2500.00} ( see attached ). I have outlined the payment dates in red ink for ease of following. I have totaled the amount of the payments on the last page as well, which matches the Timeline of payment history document I uploaded. Unfortunately, uploading these documents to MOHELA has not resulted in any resolution. 

I kindly request your immediate attention to this matter, as it is causing unnecessary stress and confusion for me. I trust that the attached document, combined with the information from CFPB 's findings, will shed light on the issue Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
INACCURACIES!!! NOT DUPLICATE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: KY

Complaint narrative:
XXXX they froze my savings and checking accounts so that I can not access any money to get food, prescriptions, gas. They won't tell me anything.

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The creditor conducted this inquiry without proper authorization, and it must be removed immediately.

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 2023-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello, I had a transaction in my list of transactions with Wells Fargo that wasnt done by me. I dont know the person that the money was sent to thru XXXX XXXX Ive never used XXXX. 

I logged in my account and noticed the unusual amount taken and immediately called and disputed. Later they sent me a letter via mail and closed the claim saying they determined the transaction was authorized.

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 2023-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-11-08 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: OH

Complaint narrative:
I received a notification on my XXXX XXXX  today regarding a new account being added to my credit report. I did not open this account or gave anyone any authorization to open one.

please remove this fraudulent account from my credit report as it does not belong to me. 

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 2023-11-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
These virtual cards are declined online and in brick and mortar stores, at restaurants and grocery stores, or XXXX wallet - no one will take these cards. I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balances for my four unusable virtual cards to a physical card. They can not offer me a refund. They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. I have been unable to use their cards for a year. My money is inaccessible. All I want is the total balance on my cards in cash/check. 

Card number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
EdFinancial is effectively denying auto-pay setup on my student loan account so I can't take advantage of the 0.25 % interest rate reduction being offered for federal loans. 

On XX/XX/XXXX, I submitted a request to have auto-pay set up in advance of my first due date on XX/XX/XXXX. As I was nearing the XX/XX/XXXX date, I never received confirmation that auto-pay was set up nor was it reflecting on my account so I called support. They said auto-pay was setup, but it wouldn't take effect until the next pay cycle on XX/XX/XXXX so I needed to make a manual payment for XX/XX/XXXX. So I did. 

After XX/XX/XXXX due date, I still did not receive confirmation nor saw that auto-pay was reflecting on my account. So I made several calls to support. The response varied from either " auto-pay isn't setup so they'd look into it '' or " it is setup, I just needed to wait ''. 

Nearing the XX/XX/XXXX, the situation hadn't changed, so I called support. They again said auto-pay was setup, but it wouldn't take effect until the next pay cycle on XX/XX/XXXX, so I would need to make a manual payment for XX/XX/XXXX, then wait. This was the exact response I got last time so I escalated to an " auto-pay specialist ''.

The specialist said auto-pay was not set-up, I needed to submit another request and wait about another three weeks for it to take effect. So essentially I submitted a request on XXXX, I've been given the runaround on whether auto-pay has been setup or not, and now I'm back at square one. And ALL this time, I've effectively been denied a financial benefit for federal student loans I'm entitled too with no end in sight. And based on social media sites like XXXX ( r/StudentLoans ), this is the same situation a LOT of others are experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 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: GA

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 Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2023-11-08 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
XX/XX/2023 a fraudulent account was initiated with AFFIRM INC Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. Merchants include " XXXX XXXX XXXX' {$1400.00} and XXXX XXXX XXXX  {$500.00}. Balance : {$1400.00} Actions taken include a phone call to AFFIRM in order to flag and/or close account for further investigation. Additional actions include an online dispute with XXXX and XXXX on XX/XX/XXXX. An identity theft report with the Federal Trade Commision ( Report Number : XXXX ) was initiated onXX/XX/XXXX

Company response to consumer: Closed with explanation