vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was {$70000.00} fraudulently wired out of our XXXX  account on XX/XX/2023. This account was at Wells Fargo Bank. They will not return our funds. We did not give our permission, user name or password to anyone. Wells Fargo states on their website that if there is any unusual activity they would contact us. We were not contacted. This account is used only XXXX  a year and money has never been wired out. We need assistance in recovering our funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Corporation of America
State: IL

Complaint narrative:
The debt was opened on XX/XX/2022. It is not mine, I don't live in Texas or have visited Texas in over ten years. the birthdates don't match on the debt that's trying to be collected. XXXX XXXX XXXX XXXX is the debt collecting agency. there info is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Texas Phone number XXXX. I have tried to call there resolution center and have left multiple messages and no one has gotten back with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This account was closed and I want nothing to do its or affiliation .because of no access to my funds do you know how much was lost because of these XXXX and how much what this does to somdone when they have to pay things on time. I haven o access to fins means no ability to pay and Stay on my stuff lawyers court lawsuit for what they have lost. I have none of my funds. They are going to be sued. I can't do anything without my funds. In court thy see no funds equals banks fault and responsible. I want my funds 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 monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: PA

Complaint narrative:
XXXX XXXXXXXX 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 I do NOT recognize these credit inquiries nor do they belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I reviewed my Consumer Report My name and address was incorrect My ONLY NAME IS XXXX XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX Mi XXXX and these were inaccuracies XXXX XXXX XXXX XXXXXXXX Potentially negative Date openedXXXX Balance- StatusPaid, Closed. 
XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$2100.00} StatusClosed. 
XXXX Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$910.00} written off. 
XXXX XXXX Potentially negative Date openedXXXX Balance {$0.00} StatusClosed. {$420.00} written off. 
XXXX XXXX XXXX  Potentially negative Date openedXXXX Balance {$450.00} StatusCollection account. {$450.00} past due as of XX/XX/XXXX. 



XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX GA, XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XXXX XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX SD, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MO, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX and asked them to investigate and remove the inaccurate form my consumer report that they are illegally reporting that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
This is a violation of The Fair Credit Reporting Act and this disputed item may not appear on my credit report if it can not be supported by evidence or proof.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

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 : ,This section provides that the consumer reporting agency can not furnish an 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.

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank Settlement 2022 - I believe I qualify.

There were numerous times over the last few years that I had to contact Wells Fargo regarding my account due to Overdraft Fees that I didn't feel were justified. I noticed and addressed with various bankers that a large amount of small payments would stay " pending '' for longer than usual, then they would allow a large payment ( rent ) to go through before a deposit. This would tank my account, then they would allow my deposit to bring it back up, then they would process all the small amounts at once and charge me overdraft fees for each. I have called each time and while they never fully refunded the fees, they would say " we can reimburse you a percentage '' and that percentage would change each time I spoke with them. Sometimes, they would claim I had met my limit on getting fees overturned and would deny my request.

I am unsure how to submit a request to be a part of this settlement, but I do believe that I qualify. I do believe that Wells Fargo continuously took money from me in fees, unnecessarily.

Thank you for your time and help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
My mortgage company is not getting a bill to me especially not in a timely manner. I called them within a week prior to the XX/XX/2023 due date and asked why I had not been billed. They told me the bill had been mailed and that I had a grace period until the XXXX of the month. I ultimately did receive that bill in time to return it by the end of the grace period. 

For the XX/XX/XXXX due date I still have not received a bill and today is XX/XX/XXXX. I called again 2 days after the due date and let them know I had not received a bill. I asked them to confirm my address with me and it was correct. I asked what I was doing wrong and they said nothing was wrong on my end, but because of problems with their system they were having trouble getting billing done. They told me I could print the bill from the portal and go ahead and mail payment. I let them know I had already done so and sent the payment by priority mail, I advised them it was scheduled to be received on XX/XX/XXXX. They thanked me and apologized but did not confirm that they had yet sent out a bill or would be able to do so in the future. They also confirmed they had agreed that I would receive paper bills. 

I am concerned they are not living up to their agreement and wonder what other even more serious problems their system failures are causing. Of course customers will still be penalized if we do not pay on time. Can we not expect mortgage companies to fulfill their obligations. 
Can you check on loandepot.com llc and determine the extent of their problems and require them to do billing in a reasonable time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: IN

Complaint narrative:
Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: IN

Complaint narrative:
Unauthorized hard inquiries still being reported after I confirmed that they were not authorized. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I got a conventional mortgage in XXXX from Wells Fargo. I put 30 % cash down and had a 30 year fixed rate. No problems until XXXX when, because of job loss, I fell behind in payments. I applied for a loan modification and after much run around it was granted. It really wasnt much of a modification they simple lowered the payment but they kept accruing fees and deferred interest. Out of know where they said I was in default and started foreclosure. I felt that many times when I got them on the phone they were just playing me such as saying we are waiting for confirmation wait wait we got it my mistake your not approved. The reason they gave for starting foreclosure was late payments. This is absolutely wrong because they were constantly misapplying my payments- the delay was their fault. In short, I put my house on the market, sold it at a loss and had to bring a check to the closing because the fees ( late payments that were their fault, fees that made no sense, inspections and other ). My question- in the ten years since this happened Wells Fargo has continued to be fined for illegal actions toward consumers. I thought the Great Financial Crisis was a one-off but it appears Wells is an ongoing criminal enterprise. Is it too late to go after them for the pain they caused consumers? I used to work in the investment banking world so I know the games they played and believe someone ( people ) 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 2023-02-05 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: FL

Complaint narrative:
Submitted several letters to all three credit bureaus to investigate inaccurate information and valid accounts. They continue to violate my privacy rights and laws by not doing so. I would like all negative account thats be report to be validated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Submitted several letters to all three credit bureaus to investigate inaccurate information and valid accounts. They continue to violate my privacy rights and laws by not doing so. I would like all negative account thats be report to be validated or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
I have a current mortgage with Caliber Home Loans for a property ( see attached documents for details - Account Number XXXX ) that was purchased for {$190000.00} and mortgaged original loan amount of {$160000.00}. I been making all my payment on time with additional principle each month. As of today, my principal balance of {$140000.00} has reached 77 % percent of the original value of my home and Caliber refuses to remove the monthly mortgage insurance charged to me. I have contacted Caliber customer service and they advised me that my principal balance must reach 70 % percent of the original value of my home in order to remove the monthly mortgage insurance, which is not what federal laws require. I asked them " how come that is not reflected in my closing documents or any disclosure to me ''??? as I was never advised of this 70 % requirement, however, Caliber Home Loans couldn't give me a proper answer. See attached mortgage insurance clause that I have in my signed closing document, which doesn't reflect any of this 70 % requirement they mentioned. Furthermore, federal guidelines require mortgage insurance to automatically drop/remove the mortgage insurance when principal balance reaches 78 % of the original home value/purchase price and account in good standing. Caliber Home Loans want to continue charging me monthly mortgage insurance while my account meets federal requirements to remove my monthly mortgage insurance since I have reached 77 % principal balance, ( {$140000.00} ) to my original value of my home ( {$190000.00} ), plus my account has been in excellent standing and never late. See attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MN

Complaint narrative:
I am a natural person, I have rights under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

XXXX is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give XXXX my written permission or consent to furnish 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 non-monetary relief
Consumer complaint received 2023-02-05 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I am a natural person, I have rights under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Equifax is governed by 15 USC 1681, and they have violated my rights numerous times. I demand that the accounts listed below be removed from my credit report post haste : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : According to 15 USC 1681, I have the right to privacy and I did not in any way give Equifax my written permission or consent to furnish these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Due to XXXX XXXXXXXX pandemic i had 4 late payments 2 in XXXX in the months of XXXX and XXXX and 2 in XXXXXXXX in the months of XXXX and XXXX to date my credit card is active and current with no other late payments i feel as tho i should not be held responsible for these due to the fact that i was laid of work twice. im trying to by a house and late payments are really hurting my score the credit card company is XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation