vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: OH

Complaint narrative:
I sent numerous written correspondence and submitted payments. Discover has violated my right 's under the terms and conditions they granted me at the time of the account opening. The credit reporting agencies violated my right 's as well. According to 15 USC 6505 - 8 Not only was my right to opt out violated, but my right according to 15 USC 6802-5 with respect to obligation with respect to disclosures of personal information was violet also. I sent a letter to which I did not receive any type of response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I was illegally foreclosured on in XXXX of 2019 by Wells Fargo. Accout # XXXX I have not receive information about the remediation I hired a lawyer, we failed in stopping the foreclosure. Took them back to court to overturn the decision. Failed ended up settling with the bank, lost over $ XXXX in equity. 

Did not receive my full payment for last portion of settlement. Disputed this and in court they only agreed to give me half if the amount

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute late payments listed on my credit report that is reported in XX/XX/. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments attached in document. 
I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute late payments listed on my credit report that is reported in XX/XX/. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments attached in document. 
I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I noticed incorrect payment history listed on my credit reports for Equifax, XXXX XXXX XXXX XXXX XXXX XXXX  This account is listed as 60 days late in XXXX XXXX  and 90 days late in both XXXX XXXX XXXX XXXX. I have no knowledge of this account. I requested information on account ownership from both the credit bureaus and XXXX XXXX directly and received no response. The credit bureaus simply told me they verified the information but never provided me with that information directly when I requested it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX AFFIRM, has violated my rights.15 USC 1681 Section 602 States I have the right to privacy.15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.15 USC 1666B : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Subject : Unauthorized Transaction and Delayed Resolution on Wells Fargo Business Account Case Number XXXX XXXX To Whom It May Concern, I am writing to file a formal complaint regarding an incident involving my Wells Fargo business account, which is linked to my personal account. On Tuesday, XXXX XXXX XXXX  a transaction involving the cashing of a {$5000.00} check was conducted without my authorization. I was promptly contacted by a representative from the Wells Fargo Fraud Department to verify if I had authorized this transaction, to which I responded negatively. 

The representative acknowledged that the transaction was an error on the part of Wells Fargo and assured me that the funds would be reinstated into my account by the following day. However, upon checking my account, I discovered that the funds had not been returned as promised. Subsequent communication with the Fraud Department revealed that the matter was under investigation, and they admitted their fault once again. They informed me that the funds could not be restored to my account until the investigation was complete. 

I was provided with the case number XXXX but have since experienced significant delays in the resolution of this matter. The primary issue at hand is not the initial mistake, but the failure of Wells Fargo, a XXXX dollar company, to promptly rectify the error by reinstating the funds during the ongoing investigation. This delay has caused substantial inconvenience, impeding my ability to fulfill payroll obligations for my employees, as the {$5000.00} in question was crucial for these operations. 

I am seeking an immediate and thorough investigation into this matter, along with the prompt restoration of the {$5000.00} to my account. The urgency of this issue can not be overstated, as it directly impacts my business operations and the livelihood of my employees. 

Thank you for your attention to this matter. I look forward to a swift resolution. 

Sincerely, 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 monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want you to investigate this inappropriate information on my credit report. 

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 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 2023-12-11 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I want you to investigate this inappropriate information on my credit report. 

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 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 explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Reference the attached Mortgage Statement from Freedom Mortgage from XX/XX/XXXX shows a payment due of {$940.00} with XXXX balances for late fees and escrow. 

Reference the Final Payment attachment, {$940.00} was paid to FM on XX/XX/XXXX bringing my balance to {$0.00} for the mortgage. 

Reference the FM Fee attachment, FM requested, and I paid {$28.00}, in fees on XXXXXXXX Not really sure what that was for but it seemed like it was worth it to get FM to close out the loan and give me a canceled promissory note, updated deed of trust and certificate of satisfaction. FM has provided none of these. I would like a refund of {$28.00} or at least a description of what I paid for. 

Reference the first unsolicited Payoff Statement from FM dated XXXX XXXX, FM sent me a Payoff Statement showing that my final payment of {$940.00} was placed in " Less Unapplied Funds Balance of - {$940.00} and listed a Total Payoff Due of {$1600.00}. This document clearly illustrates that FM received my final payment and just didn't use it to make my final payment as listed in the attached Mortgage Statement from FM. I asked FM why they are you asking for {$1600.00} for a loan that has been paid in full? 

Reference the second unsolicited Payoff Statement from FM, it still shows that I have an unpaid principal, adds late fees to a loan that has been paid in full, adds Additional Items Due without explanation and no longer accounts for my payment in XXXX of {$940.00}, and requests a Total Payoff of {$1800.00} for, again, a loan that FM 's own records show has been PAID IN FULL. 

I asked FM tp please provide an explanation for why you are asking for additional money, what the fees listed in the Payoff Statements are for, where did my final payment of {$940.00} go in their last iteration of a closeout statement. I also asked that they lease provide a written response and a senior POC and phone number that can explain this mess.

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 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: NC

Complaint narrative:
Called to inquire about my balance. During that process, I was told my payments will increase by XXXX XXXX next month. I was also informed that they are providing forced place insurance because my insurance was cancelled. FNB did not pay my homeowners insurance that was due XXXX  and they are subsequently charging me triple the amount for forced place insurance. They are self insured so the premium is going to FNB. And this only insured the loan but does not provide me with insurance for the structure and contents of my home. FNB states that they never received and invoice from my homeowners insurance company. The insurance company states that an attempt was made by FNB to pay the invoice XX/XX/XXXX, however insurance company declined because payment was more than 50 days late. I just became aware of the is on XXXX FNB states that I received this information, however, I do not recall receiving any of this information. There is also a discrepancy of when my mortgage payments are being received. Seems to be just after the date that then causes a late charge to be assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The account appeared on my credit report as of XX/XX/. I contacted Transworld Systems, Inc.as of XX/XX/. In speaking with Transworld Systems, Inc. on XXXXXXXX I requested validation of the debt. I have not received anything in writing or electronically. Transworld Systems , Inc. proceeded to contact me again on XXXX This is a direct violation of my FDCPA rights. Transworld Systems , Inc. also failed to state the mini Miranda on several occasions ( I spoke with several people ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
On XX/XX/XXXX, we paid off our loan with TD Auto Finance. On XX/XX/XXXX, we called XXXX XXXX XXXX to confirm payment & title release. Currently, our account shows closed and no remaining balance. 

On XX/XX/XXXX, we called TD Auto Finance, and the representative stated the title was released on XX/XX/XXXX. 

As of XX/XX/XXXX, we still have not received the title. On this day, we called TD Auto Finance again, and the representative told us that she saw a couple of error messages on our account, XXXX involving the title and another on payment. The representative was helpful but was not able to provide any further information. 

TD Auto Finance has delayed our title release despite paying the account off. Also, with the call on XX/XX/XXXX, and the errors in our account, they have failed to communicate any issues/errors and have delayed our receipt of the title. 

We are selling the vehicle, and this delay and TD 's lack of communication and poor service have caused us a negative reputation with a buyer and the risk of financial harm, at the least. 

In the spring of XXXX, we will purchase a new vehicle. This experience and the XXXX XXXX XXXX XXXX article of XXXX XXXX will impact our choice of who we will use for financing. 

On XXXX at approximately XXXX AM Eastern Time, XXXX XXXX XXXX New Hampshire Department of XXXX XXXX XXXX They confirmed TD Auto Finance had not contacted them that the account is paid in full and the title will be released. 

This morning, XXXX, we called TD Auto Finance and the New Hampshire Department of XXXX XXXX XXXX NH XXXX XXXX. 

In a call with the NH XXXX, they informed us the error code being received by TD Auto Finance does not exist. The NH XXXX records are correct. The NH XXXX also informed us that there is no need for TD Auto Finance to contact the NH XXXX. 

We did everything right by paying our loan on time and paying it off, and TD Auto Finance is refusing to release our title. We have spent an enormous amount of time away from our jobs to make phone calls, which we should not have had to do. 
Based on conversations in many online forums, TD Auto Finance has a negative reputation, especially for holding titles XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
They said this was opened XXXX. Original creditor was XXXX XXXX XXXX. The amount was {$990.00}. It is now Credence Resources Management collections. I have contacted them to let them know this is not mine. I do not or haven't had XXXX XXXX  They do have my information though. They wanted me to send documents but I have no documents on this because it is not mine! I did not even know it was there till I checked my credit score. I have XXXX and have had it for years. How can I prove that this is not mine when I have no documents or anything about this!? If you check my credit you will see that it is good and has been for years. I don't know what else I can do or say.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I want you to investigate this inappropriate information on my credit report. 

Account Number : XXXX XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$6000.00} Account Number : XXXX XXXX XXXX Account number XXXX Date XXXX Balance {$360.00} Account Number : XXXX XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$8900.00} Account Number : XXXX XXXX Account number XXXX Date Opened XX/XX/XXXX Balance $ {$3100.00} Account Number : XXXX  Account number XXXX Date Opened XX/XX/XXXX Balance {$16000.00} Account Number : XXXX  Account number XXXX Date Opened : XX/XX/XXXX Balance {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This account does not belong to me, and I did NOT grant authorization for its use. Kindly remove this erroneous account from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Subject : Dispute of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to dispute an account that appears on my credit report, which I believe to be inaccurately associated with my name. The account in question is with I.Q DATA IN, and the account number is XXXX I have reviewed my credit report and have confirmed that I do not have any affiliation or association with the mentioned account. This account is not mine, and I am concerned about the potential impact it XXXX have on my credit history. 

I have dispute with the XXXX CREDIT BUREAUS, on XX/XX/XXXX, through XXXX XXXX have recently sent in where my credit file was stolen with police reports. I kindly request that Consumer Financial Protection Bureau investigate this matter and work to correct the inaccurate reporting promptly. 

I appreciate your prompt attention to this issue and your assistance in resolving this dispute and removing this matter off my credit report. Please feel free to contact me if additional information is required. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation