vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
My Complaint is in reference to elderly abuse and taking advantage of our situation. 
Ref : Wells Fargo Home Equity Loan My Father XXXX XXXX, passed away in XXXX  without having a will or any assets. He lived the last 10 years of his life with XXXX which got worse each year. My brother had made payments on this loan but had a major medical issue and with his additional medical bills he no longer could make payments. 

I have been requested by my family to work with Wells Fargo to get this resolved. Having worked with Wells Fargo, I have 3 major complaint items : 1 ) My father did not communicate well with the XXXX, and no one know about this loan. We wonder if this is a loan created by a Wells Fargo employee without my fathers approval or knowledge. 
2 ) If he did apply for this loan why wasnt multiple red flags set for Wells Fargo. Why would a 30-year mortgage be giving to a XXXX plus year old man? He would have to live into his XXXX to repay this loan. Why was a co-signer not requested as a condition of the approval process. Since most people do not live into their XXXX this was an unreasonable expectation. 
3 ) My siblings and I negotiated in good faith with Wells Fargo but Wells Fargo did not. We offered a XXXX settlement Wells Fargo counter offer the full balance of the loan. We offered a XXXX settlement Wells Fargo counter offer the balance in full. No movement at all from Wells Fargo, this is not good faith negotiation. 
I explained that my brother who is a veteran on XXXX lives in the house and taking it away from him is totally unacceptable. Wells Fargo clearly communicated that they only care about the numbers and since the house appraised for $ XXXX they want us to sell and give them the full balance. This is not possible and not a fair way to treat a family. Wells Fargo said the only thing that we can do is a loan modification to lower the payments on a loan that was acquired using very bad business practices. 

Please help me to resolve this issue. Thanks so much!!

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX  continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX  to dispute the debt only to get cussed at

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 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX to dispute the debt only to get cussed at

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX XXXX let someone take out a loan in my name I have disputed the account with all three credit bureaus they have removed the report XXXX XXXX continues to put the debt back on my credit report they keep raising the balance then lowering the balance and placing hard credit inquiries in order to drop my credit score I have called XXXX XXXX  to dispute the debt only to get cussed at

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 2022-10-17 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: CA

Complaint narrative:
On XX/XX/XXXX I received several calls for XXXX XXXX with no message left. I called them and was told I had a balance due of {$130.00}. Paying this today would bring the balance off. I stated to the representative I never received any statement from XXXX XXXX since my purchase in XX/XX/XXXX. That my email addres and phone are correct, but no one has previously reached out to me or mailed me a statement. 
I made the payment on line using my XXXX card and paid {$130.00} at XXXX PM XXXX. The confirmation email I recieved confirmed the payment coming out of my account on XX/XX/XXXX. Email confirmation stated the next business day it would be posted XX/XX/XXXX, if I had paid before XXXX. I paid XXXX PST, which is XXXX XXXX EST. Well before the XXXX cut off time. 

I wrote a note to the agent on line, stating once again I never received the statement. Have always paid my bills in full previously. I have worked very hard to make everything is paid up on time. At XXXX PM the agent took off the {$29.00} late fee from the account. That leaving the balance at {$110.00} For some reason, then reversed my payment of {$130.00}. I would have had a {$1000.00} balance on my card. Instead they added {$40.00} in late fees on XX/XX/XXXX and {$3.00} interest on XX/XX/XXXX. 

Now I am told I owe {$150.00}, with {$61.00} past due on my account. I paid in good faith on XX/XX/XXXX this was settled. XXXX XXXX, its affiliated banks and XXXX XXXX have reported my lateness to the credit bureaus. I did what was asked to pay my bill in full. They choose to change the rules after doing so. I paid in good faith to clear up my account. I only just received a stated from XXXX XXXX on this new payment. I have written Experian and XXXX XXXX Corporate as well as the Inspector General of the US Postal Service, as I have had much of my mail not forwarded from a previous post office box in XXXX XXXX or my home to my new mailing address. I never recieved my ballots, and money orders missing in the mail. 
I have documentation to XXXX XXXX and Experian. New statement information on XXXX XXXX shows they reveresed the charges after I paid them and then billed me more late charges and interest.

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 2022-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: NV

Complaint narrative:
NTL RECOVERY AGENCY is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$7400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2022-10-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
I applied for a XXXX XXXX XXXX ( 2nd Mortgage ) with Rocket Mortgage on XXXX/XXXX/22. The application process went smoothly until the appraisal was received. The application was completed and dated XXXX/XXXX/22. Rocket Mortgage did not review the appraisal, however, I caught numerous errors with it. Understandably, the appraisal is a third party value to remain unbiased. Although they allowed me to dispute these errors, they were slow and neglectful in responding to my dispute in a timely manner and therefore closed out my loan application on XX/XX/22 without notifying me as to why. I was not aware if anytime frames or deadlines from them. They continued to tell me the appraisal was under review until it was too late to continue the dispute. The appraiser left out significant details about my house that adds value to my house ( a 3 car garage, fenced yard, and large 1 and a half story shed ). Rocket Mortgage was purposefully neglectful to provide me the necessary information to resolve this issues in a timely fashion. They also kept passing me off between employees as no one knew what was actually happening. I had to speak with 5 different people in one day before they finally told me on XX/XX/22 that the loan application was closed and there was nothing I could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: NV

Complaint narrative:
The inquiries reported on my credit report are a violation of my privacy and the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TX

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Has 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 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: TX

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 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 Has 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 : It also states a consumer reporting agency can not furnish a account with out my written instructions.

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 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.

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 2022-10-17 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: FL

Complaint narrative:
Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Mortgage in forbearance currently began process of ending forbearance and having balanced defer. Spoke to loan company that it has been longer then 30 days they said they are aware and they are processing deferral of any balances and that it should not show as delinquent on our credit. Explained to loan company we are showing delinquent payment more then 30day they, loan company, agreed that this should not be showing on credit as delinquent as they are still processing deferral instructed us to dispute this reporting to credit bureau.

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 2022-10-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act FCRA these creditors have violated my rights for these accounts : XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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 2022-10-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act FCRA these creditors have violated my rights for these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
My identity was stolen and used to open up credit cards including this one I contacted XXXX Bank and XXXX to no avail then they sold the debt to NCA this is not my dad I have disputed it with all three credit bureaus and NCA without investigation or providing any proof says the debt is mine and the credit bureaus believe them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: NE

Complaint narrative:
On XX/XX/2022 a major storm came through our area and did a lot of damage to our home and outbuilding and our rental home and outbuildings XXXX mile down the road from us. 
Bank of the West ( XXXX ) is the mortgage holder on both properties- we have 2 conventional loans- one on each property. The insurance company has assessed the damage on each home/property and wrote the checks to us and the mortgage holder ( BOW ). The damage on each property is around {$100000.00} per property. BOW is telling us that they follow " XXXX '' Loss Guidelines and will only release {$40000.00} on each loan to us to make these major repairs. Then they tell us that we are required to pay for all the repairs and that the repairs must be 100 % completed before they will inspect and release any additional funds to us. Not sure how we can be expected to pay for these repairs out of our pocket since they are holding our insurance money that is intended to pay for these repairs. We have reviewed our mortgage papers and there is no mention of " XXXX '' XXXX nor any schedule in regards to release of insurance loss funds. They also tell us that if repairs are not made by a certain date that they will apply insurance funds to loan. We just want our home repaired without any hassles from the Bank! We will provide documentation if needed, Thank you!

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 2022-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Hello on XX/XX/XXXX I came into an agreement with the National Credit Adjuster to pay a debt that was sold to them by XXXX. I owed them {$260.00} and I asked to pay half and if I was to pay half if they would be willing to do a pay to delete. I paid {$160.00} to the National Credit Adjuster. Furthermore looking into my credit report. NCA has been reporting false information that is causing major harm to my credit profile. They are reporting Monthly on a Closed and Paid account. They are reporting different dates the all THREE credit bureau. This inaccurate information is harming my credit. 

XXXX is reporting Date Last Active XX/XX/XXXX and reporting the account as a collection. Last reported XX/XX/XXXX. 

XXXX is reporting Date Last Active XX/XX/XXXX and Date of Last Payment XX/XX/XXXX. And reporting the account as XXXX. XXXX reported XX/XX/XXXX. 

XXXX is reporting Date Last Active XX/XX/XXXX and Date of Last Payment XX/XX/XXXX and reporting the account as Collections. Last reported XX/XX/XXXX. 

I have paid my debt in full, and the National Credit Adjuster is reporting inaccurate information. I have contacted all THREE credit bureaus. I will appreciate if the National Credit Adjusters remove the Collections/ChargeOff from My report. As they are providing inaccurate information and violating Under the Fair Credit Reporting Act and I have a right to have it removed.

Company response to consumer: Closed with explanation