vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We have an FHA loan with Wells Fargo Home Mortgage ( WFHM ), which we refinanced with another mortgage company, XXXX, on XX/XX/XXXX, When XXXX requested the payoff amount, WFHM included an additional interest of {$1000.00} for the month of XXXX, even though we closed on XXXX. Per WFHM, FHA requires loans to close on the 1st of each month and because our closing was XX/XX/XXXX, they are charging an extra interest for the month of XXXX, even though loan was fully paid on XX/XX/XXXX. According to FHA regulations, payoff of loans with a note date on or before XX/XX/XXXX XXXX our loan is from XXXX XXXX, allows lenders to charge interest for the entire month regardless of loan closing date. HUD 4155.2 3.A.2.b-c also applies to this case. Our XX/XX/XXXX payoff did include a full month interest for XXXX, along with principal, and fee. Charging us an additional interest of {$1000.00} for the month of XXXX violates HUD and FHA regulations cited above. WHFM committed an ILLEGAL act by charging me XXXX 's interest after an XX/XX/XXXX payoff. I directly filed a written complaint with WFHM on XX/XX/XXXX but, as of yet, they have not provided a written or verbal resolution. I have also filed a complaint with the NJ Department of Banking and 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 2021-04-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX 2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax XXXX XXXX and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I attempted to dispute with Experian my social security number and inaccurate address reporting on XX/XX/2021 at about XXXX and spoke with a " XXXX ''. I have accounts currently being disputed via certified mail and included in those letters, I have a copy of my driver 's license and social security card. So every credit bureau has my driver 's license information and social security card information. I asked that he correct my social security number and he continued to speak on a specific account on my profile I was no longer inquiring about. He sounded half asleep and disinterested in this situation. This is an important issue and I felt he didn't want to help me. Only after asking me 5 times what my issue was and me telling him all 5 times what the issue was, did he finally submit for a dispute of my social security number. I began telling him my address was incorrect, and he proceeded to say, " What's the problem now? '' At this point I asked him if there was someone else that could help me that wanted to actually help me because it seemed as if he wasn't interested? He responded back saying that if I wanted to dispute anything on my credit report I needed to submit online another dispute, and I reminded him as I did in the beginning of the conversation that online doesn't allow me to submit a dispute for my social security number or address and that it tells me I need " special assistance with this matter '' and to contact the number listed. He got quiet, and I asked him his name. After ignoring me for a good minute and twelve seconds, I asked again what his name was, and asked for an ID number. He told me his name was XXXX and he didn't have an ID number. I told him I'd call back and speak with someone who wanted to assist me because he isn't trying to. I hung up.

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 2021-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
THIS COMPANY IS A COLLECTIONS ATTORNEY AND THEY ARE WRITING ME AT AN ADDRESS I DO NOT LIVE AT AND I DO NOT APPRECIATE PEOPLE I KNOW HAVING MAIL FOR ME AT THEIR HOUSE WHEN I DO NOT RESIDE THERE. ALSO THIS COMPANY IS SENDING THEIR COLLECTION LETTERS TO ME FOR AN ACCOUNT THAT DOES NOT BELONG TO ME AND I WANT THEM TO CEIST AND RESIST FROM CONTACTING ME ANY FURTHER. I AM DISPUTING THEIR DEBT AND CONFIRMING THAT I HAVE NOT HEARD OF XXXX XXXX XXXX XXXX  AND I DO NOT HAVE AN ACCOUNT WITH XXXX XXXX XXXXIS COLLECTION ATTORNEY IS OBVIOUSLY SKIP TRACING ADDRESSES AND ASSUMING I LIVE THERE AND IT'S WRONG AND SHOULD NOT BE ALLOWED. HOW DARE THESE PEOPLE WRITE ME AT ADDRESSES I DO NOT OWN NOR EVER LIVED JUST SO THEY CAN TRY TO MAKE A DOLLAR COLLECTING! I AM ALSO REPORTING THESE XXXX TO THE COLLECTION AGENCY THAT HANDLES THEM AND REPORTING THEM TO THE FEDERAL TRADE COMMISSION AS WELL BECAUSE I WILL DEFINATELY PUT A STOP TO THIS XXXX AND I MEAN RIGHT NOW. I ALSO CALLED XXXX AND XXXX AND NEITHER ONE OF THESE XXXX PHONE # 'S WORK FOR THIS COLLECTIONS ATTORNEY. WHAT KIND OF ATTORNEYS ARE THESE THAT THEIR TELEPHONE NUMBERS ON THEIR LETTERHEAD DOES NOT WORK. I MADE SEVERAL ATTEMPTS TO CALL THESE XXXX  AND THE PHONE NEVER RINGS AND DOES ABSOLUTELY NOTHING TO ALLOW ME TO COMMUNICATE WITH THESE PEOPLE BUT YET THEY HAVE THESE NUMBERS ON THEIR LETTERHEAD AND THE NUMBERS DO NOT WORK AT ALL!!! I WILL NOT ATTEMPT ANY FURTHER CALLS TO THESE PEOPLE NOR WILL I COMMUNICATE ANY FURTHER OTHER THAN MY COMPLAINTS REGARDING THEM AND MY COMPLAINT DISPUTES IN REFERENCE TO THEIR BOGUS CREDITOR DEBT THAT DOES NOT BELONG TO ME!! I DO NOT LIVE AT XXXX XXXX XXXX XXXX XXXX NY XXXX AND I SUGGEST THAT THESE XXXX  DISCONTINUE WRITING ME THERE OR USING ADDRESSES OTHER THAN THE ONE ASSOCIATED WITH THE ACCOUNT DEBT THAT THEY ARE COLLECTING ON. HOW XXXX IS THIS TO WRITE AT A COMPLETELY DIFFERENT ADDRESS THAN WHAT IS ON THE ACTUAL RECORDS???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was Identity Theft-ed and a unemployment insurance was filed against me which I believe prompted the issuance of this USBank XXXXcard.  Of course I destroyed the card and tried to reach USBank 's number that was on the letter that came with the card to tell them I don't want this card. The person said they are not associated with the XXXXcard program and that they couldn't do anything about it. She then transferred me to the fraud department for the XXXXXXXXcard and it was an automated teller that instead of taking my information was proceeding to activate the card! I did not proceed and hung up. Why is then their number on the letter that came with the card if they are not associated with the card? There were other numbers on the letter which all said they can't do anything about the card. I just don't want any charges sent to me from this card in the future is the reason why I wanted to call someone and say that this was fraud based.

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 2021-04-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2021-04-08 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:
My complaint is with Experian. I have successfully cancelled my membership, but their website makes it ridiculously difficult to do so. 

The link to cancel an account is buried within the help/support menu. Once clicking on that link, it took me to a page where it gave me information on 3 different plans. No clear link to cancel the membership. There's a tiny bit of text near the bottom that says " not interested in any of these? Contact us. '' After clicking on that link, a pop-up window appeared to contact them by phone or e-mail. I contacted them by phone and had to wait on hold for about 10 minutes. When I finally did get a person on the phone, I told her that all I wanted to do was cancel. She then began to belabor the process by convincing me to keep my membership active. 

Although I was finally able to cancel, this is an extremely poor business practice. I will never use their services again. They're supposed to be in the business of helping people get ahead financiallyinstead they make every effort to bleed you dry. Companies that make it very misleading and painfully inconvenient to cancel need to be held accountable.

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 2021-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Charlottesville Bureau of Credits, Inc
State: MD

Complaint narrative:
I applied for a credit card and was denied. When looking at my credit record to determine why, I found a " medical debt '' reported by a Valley Credit company that I have never heard of. I received no notification ( s ) from Valley Credit or anyone else about any potential medical debt that I might owe, or given any opportunity to request more information about or dispute. Isn't this a violation of my FCRA rights??

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have had problems with experian since I did their free trial and then one of my credit cards gave me a free account with them.they dropped my score and told me to fix it I needed to pay the XXXX dollars a month.XX/XX/XXXXI got email.says that my score was ready went into to check, it said that I had a credit increase of XXXX points and went from good to very good, then 30 seconds later says I dropped XXXX points, so I went up XXXX  and dropped XXXX all in the same hour, I have excellent credit, a very Stellar payment history excellent I am very responsible with all of my credit cards make multiple payments per month and never carry a balance my XXXX and XXXX  is XXXX I do realize that they're not to be the same as the other ones but I have never seen a score go up and then go down all in the same hour of the same 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 explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
My wife and I applied for a refinance mortgage on XXXX with the broker, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. No. XXXX. Quicken Loans provided the first loan estimate that same day at {$380.00}. Subsequent estimates on XXXX and XX/XX/XXXX were {$16.00} and {$440.00}. Closing Disclosures on XX/XX/XXXX, and XX/XX/XXXX were {$1400.00} and {$1700.00}. Yet, they did not close, with more ( repeated ) documentation requested. On XX/XX/XXXX, a new Closing Disclosure was issued but with a cost of {$8400.00} shown. This despite no " change of circumstances to warrant it. I objected and, despite assurances by XXXX that this would be revised with a new closing document, our loan was denied on XX/XX/XXXX. four months from the start of the process!!! 
I am XXXX XXXX XXXX, my wife is XXXX. We have income of $ XXXX per year with additional investment accounts of over $ XXXX and very little debt. Our credit scores are both XXXX. 
there was no logical reason to turn us down, other than " being old '' or the mortgage broker having lured us with low cost and low rate come on and then not being able to get us to close at much higher costs. Now four months later, rates and costs have increased and it no longer makes sense for us to refinance with a reputable lender. 
I have all emails and documents to support this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: ID

Complaint narrative:
My wife and I have good credit, and no outstanding debts from any source that I'm currently aware of. 

I'm aware of Convergent Outsourcing Solutions, and their debt collection agency, so when they called ME and asked me to verify MY information, without any hint as to why - I grew very suspicious. I asked for their phone number ( XXXX ) and her Supervisor XXXX XXXX XXXX XXXX. I asked what the nature of the call was about and she said it was about " private business matters '' and became pushy. I told her I wasn't interested in confirming identity unless I knew the nature of her business, to which she rambled for a moment claiming legitimacy of her company. She still would not answer my questions about the nature of the call. 

I hung up, and told them not to call back.

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 2021-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bessine Walterbach, LLP
State: KS

Complaint narrative:
I have a lawsuit filed against me by the law firm XXXX XXXX WALTERBACH XXXX XXXX XXXX XXXX XXXX XXXX. The law firms website states that they are a debt collector and I never received any notification from this law firm prior to them filing a lawsuit. This is in violation of law since I was not given a chance to dispute or have the debt varified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I applied for a synchrony bank care card in XX/XX/2019 when my credit was in a not so great place, I believe my credit score was around XXXX at the time. They approved me and ever since then Ive use that card of the month to month basis always paying my payments on time including paying it off a couple of times, never once being truly late. On XX/XX/XXXX they closed the account with giving no prior notice of that change in terms, I believe breaking at least one lending regulation. When I asked they stated that it had to do with periodic credit checks but my credit is a little better than it was when they gave me the card which seems a little deceptive. I believe they are using deceptive practices to minimize what they feel may be a risk after accounts are already opened by them. Please look into Synchrony Bank and their practices

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 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
MY NAME IS XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, NEW YORK XXXX I HAVE MADE MULTIPLE ATTEMPTS TO TRY TO FIND OUT WHY THERE IS A {$3100.00} UNPAID FEES COLUMN ON MY CURRENT MORTGAGE STATEMENT WITH LOANCARE MORTGAGE, WHICH IS SERVICED BY XXXX  XXXX. 

I WAS DIRECTED TO WRITE AN E-MAIL TO LOANCARES RESEARCH DEPARTMENT ( SEE ATTACHED ) ASKING THEM TO PROVIDE THE REASON FOR THE CHARGE, OR TO PLEASE REMOVE IT. THEY STATE THAT THE CHARGE ORIGINATED WITH MY PREVIOUS MORTGAGE COMPANY AND THEY CAN NOT CONSIDER MY REQUEST TO REMOVE IT. 

THEY HAVE NEVER CHARGED A LATE FEE, OR TRIED TO FORCE PAYMENT ON THIS AMMOUNT IN YEARS. THEY JUST KEEP PROMISING ME TO PROVIDE AN EXPLAINATION. BUT, TO THIS DATE HAVE NOT BEEN ABLE TO. 

I AM RESPECTFULLY REQUESTING THE PROPER PROCEEDURE TO AFFECT THE PROOF OF SUCH CHARGES. I AM CURRENTLY TRYING TO REFINANCE, AND THIS UNKNOWN CHARGE IS HOLDING UP MY REFINANCE. 

MY LOANCARE ACCOUNT NUMBER IS STATED BELOW. 

THANK YOU SO MUCH FOR YPOUR HELP 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 2021-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I cosigned for an auto loan with finance company, Santander Consumer USA, in 2018 and the loan eventually fell delinquent. I later received a notice that I did not qualify as a co-signer for this loan and should have never been approved as such. I have since misplaced this notice but I have discovered that the Attorney General won a class action suit against this company for predatory lending practices of subprime consumers. I would like to have this obligation removed from my name and from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
Common wealth financial have committed several federal violations against me, a Private law abiding Federally Protected Consumer.Te attachment show they created me a false account number, false open date, and false amount owed and I have never had a contract with this company and they are hurting my credit with this false information. I revoke all power of attorney to Common wealth financial. Common wealth financial does not have a certificate of Authority to do business in Alabama. Common wealth financial have not sent me a dunning letter but they have put a fraudulent account on my credit report.Common wealth financial do not have the authority to collect any money from me.Common wealth financial is guilty of racketeering, forgery, and obstruction of justice.Common wealth financial is in violation of the FDCPA and FCRA Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial, Violation of 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to Common wealth financial. Violation 15 USC 1692e ( 2 ) ( A ) False representation of the character and amount of the alleged debt, Violation of 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.And a violation for collecting on behalf of another company 803 of fdcpa.Acccording to the FDCPA 1692H I am owed money for all violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX  and XXXX  should not be reporting a current balance of {$1000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was turned back in per the terms of the agreement. There is no outstanding balance due. Please update and/or remove this line item from my credit report. This false reporting of a balance due is harming my credit score. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation