vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo has stated that previous modification was approved and that I did not accept the modification? Wells Fargo 's " modification '' was not a bonified modification, but rather another attempt to trap me into retaining the same toxic loan terms that put me in trouble in the first place. Wells Fargo did not thoroughly and methodically review my financial health as was required by judgement to do so. Had Wells Fargo reviewed my case and others fairly XXXX XXXX, XXXX for Florida at the time, would not have had to formally complain about the unfair reviews when assessing pick-A-payment victims for their just deserved " Assistant Modification. '' Instead of helping me retain my home under new and affordable payment terms Wells Fargo offered the same toxic loan options as before and mandated that I pony-up a considerable about of upfront cash that I simply did not have.. Customers baited into Pick-A-Payment loans were offered loan relief solely based on Wells Fargo 's unfair and discriminating loan evaluations. I contest the evaluation performed on my financial state at the time and will except nothing less than a thorough re-review of my case.

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 2022-01-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
Hello, In XX/XX/2021 I watched a XXXX video that mentioned a company that was offering a XXXX credit line for their company. The payments were made, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XXXX XXXX. In the interest of boosting my credit profile and obtaining a higher score, I applied and was approved for the credit line and made a purchase of XXXX for some custom-made sneakers as a gift for my teenage son. The seller, XXXX XXXX, directed me by phone how to purchase the sneakers and assured me I would have my credit line and sneakers within4XXXX8 weeks. After 8 weeks, I recieved neither the credit line nor the sneakers so I became suspicious and reached out to XXXX XXXX the owner of collectivecon.com and reachable at XXXX and XXXX. He stated in an incoherent manner, there was a supply chain issue. I asked, while that may indeed affect the sneakers, the credit line would not be affected because that is a service and not a product and he hung up on me. I went to Affirm, the third-party loan servicer for XXXX. They said they could NOT help me, even though I received nothing for my money. I explained I RECIEVED NOTHING-and I am protected as a consumer against fraud. This was an fraudulent sale and even my own credit card company agrees it was " theft by deception '' or possibly " wire fraud '' and they are trying to get my money back. I am afraid that my bank will get my money back and I will have a negative on my credit rport for failure to pay for something I never recieved. I am certain I am not the only one. This was a clever scam. Affirm also continued to bill me for an additional XXXX so I am fighting the purchase of XXXX and an additional XXXX for some reason not specified. This is blatantly illegal and I am extremely distraught that I was scammed and no one will help me. This is the USA and not XXXX. This should never happen here! Please help, Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
The escrow account made a tax payment on XX/XX/XXXX for {$4500.00}. I became aware early XXXX that the county never received the payment, and my tax was late. I paid the tax out of my pocket immediately on XX/XX/XXXX. I asked the lender for investigation, but 2 weeks passed, and lender still doesn't know where the money went. There's no XXXX either on how long I should wait to get my money back. 

The mortgage company is Newrez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Self Financial Inc.
State: IL

Complaint narrative:
Self financial inc . 
secured trade line account was paid in full And should be removed Due to COVID min secured payments could not be met due to hardship. I will be seeking legal action against this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 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:
I have sent Credit reporting Agency Equifax multiple letters regarding alleged loans on my credit report, and asked them to do an investigation on alleged loan accounts. In response I would get letters from them saying accounts were verified through e-oscar with no proof, but computer generated responses. They did not do a thorough investigation. 

Also, these reports appear to have been generated by the same lender so why is the data reporting inaccurate? As the governing credit bureau it is their responsibility to report consistent and most importantly accurate information. Equifax the governing bureau have failed to report correct data for other lenders/potential lenders to view and determine me as credit worthy. Information on accounts are different from other credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX @ XXXX Deposit check amount {$5000.00} XXXX # XXXX Emergency rental assistance check processed. XXXX XXXX XXXX did phone verification along with XXXX XXXX and noted my account. I was told funds would be available today. available today. Today XXXX at XXXX pm, they printed a piece of paper saying they're holding my check until XXXX. 

There is an automatic transfer of {$120.00} they are authorizing without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I went to make my mortgage payment with Mr Cooper loan servicer. I could not log into website which has worked several months in a row without any issue. 

Tried to reset password and a code that was supposed to arrive in email never came. I checked spam folder, added email to safe senders list and nothing. 

Tried to call to get resolved- was on hold for an hour and no one responded. Hung up and tried again. Reached a rep who had no understanding on how to resolve issue. Said tech support would have to contact her and I still could not make my payment. 

Called again, reached someone and this rep changed my contact email to my other email account to get reset code sent to me 2nd email address and SAME problem.

Company could not get this straightened out on their end due to incompetence and lack of understanding. The issue clearly on their end as two email addresses do not send a code. But with their lack of a response it seems like they are clueless. I have no way to ever resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX XXXX XXXX, XXXX  ), you may be liable for your willful non-compliance.

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 2022-01-28 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: AES/PHEAA
State: WA

Complaint narrative:
Recently I decided to take advantage of my low Income Based Repayment Plan rate and bring my loans out of deferrment to start making payments as these are qualified payments towards my PSLF. XXXX  was my servicer at the time and I made a payment to XXXX who then transferred my loans to FedLoan.

I noticed that the debit for monthly payments had stopped coming out of my bank and that FedLoan wasnt tracking me as paying and so I sent several emails inquiring about this issue which received no response. 

I then called and was placed on indefinite hold several times. When I finally reached someone, I was informed that my loans had gone back into deferrment, I would need to submit a new request to FedLoan, and that I have now missed out on 5 months of qualifying payments towards XXXX 

How can this company just arbitrarily make changes to my loan payment agreement without my consent or put my loans into deferrment which I had brought out by request? Now I have missed 5 qualifying payments which means 5 additional months of payments and potentially thousands more dollars depending on my next XXXX amount. This is basically theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
NationStar DBA Mr. Cooper Charges you for monthly inspections on homes that are less than 30 days delinquent ( they have 15 day grace period ) No inspections are EVER done! ( Iknow, b/c I AM also an inspector for these services. I also know firsthand they give sensitive information to minors at these homes. As I was witness to the only actual inspection I ever saw take place. 
, and that particular homeowner was less than 30days past due. I have inside information that there are multiple accounts where funds are being misrepresented and fees are being charged for services that are false they spam consumers with ROBO calls multiple times a day despite homeowners requests & / or filings that these calls are not necessary or rightly due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN I DO NOT UNDERSTAND HOW YOU CAN NOT GET THIS MATTER CORRECTED. THOSE ACCOUNTS DO NOT BELONG TO ME AND SINCE YOU HAVE STATED YOU CONFIRMED WITH THE DATA FURNISHER I NEED TO SEE THIS PROOF IN FORM OF A SIGNED DOCUMENT WITH MY SIGNATURE ON IT IN FACT I DEMAND TO SEE IT. IT NEEDS TO BE UPLOADED HERE TO MY PORTAL. IF YOU CAN NOT PROVIDE ME WITH THIS IN 30DAYS FOR EACH ACCOUNT THEN YOU MUST DELETE THOSE ACCOUNTS FROM MY REPORT! I CAN NO LONGER WASTE MY TIME WITH THIS MATTER-THESE ARE THE ACCOUNTS THAT NEED TO BE REMOVED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KEEP IN MIND THE FAIR CREDIT REPORTING ACT SECTION 609 ( a ) ( 1 ) ( A ) , PLUS UNDER THE FCRA UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME WITH A COPY OF VERIFIABLE 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 explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I filed a complaint with the office of the CFPB in XX/XX/2021 and the case number is XXXX against Synchrony Bank XXXX Your office gave them the opportunity to contact me and try to work things out which is what I have been trying to do for the last few years with no avail. As soon as the CFPB reached out to Synchrony Bank, they reached out to me and had just enough information to send back to you to say " they have contacted me and they are working with me to get this matter resolved. Once you closed the case they have never called me back nor responded to any of my messages or phone calls. The person who I spoke to is XXXX XXXX and I have left numerous messages and and sent emails and she has chosen to ignore me. I am reaching out to your office again for help as I have a notice for a summons to court in person on XX/XX/XXXX. When I asked her about if she can place it on hold or cancel until a resolution is made, she said that she thought she had gotten the file back from the attorney/collection office but will confirm and let me know. I am still waiting to hear back. This is not the way for the head dept of Synchrony Bank to treat the consumer. They really do not care about people. This just makes it look worse that they are not trying to help or research to see what happened. I want you to please post this for the public to see so they can know that Synchrony Bank is a horrible company to do business with.

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Hi XXXX XXXXXXXX XXXX, This is specifically for XXXX XXXX XXXXXXXX # XXXX with fraud account with Charge-off Balance : {$1100.00}. I've attempted several times to remove this account from the Transunion credit report because i never opened this account nor did i use {$1100.00} on it. The other credit bureaus have removed this account but your company failed to remove it. F

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 2022-01-28 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: LA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XX/XX/XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

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