vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: PA

Complaint narrative:
I started to get behind in my mortgage starting in XXXX due a significant reduction in income. 21st mortgage company. I applied for mortgage help in XXXX but the organization I applied with has been taking their time processing and approving my application. I noticed my mortgage company by phone and email several times and they are aware of the situation. They told me someone from the organization contacted them in XXXX but has heard nothing since. I talked to my financial advisor on XX/XX/2022, they constantly switch financial advisors for your loan. Ive had 3 since I purchased my house. And they dont communicate when they switch. I spoke to my financial advisor and let him know what was going on and that I would my best to send payments as much as possible to get caught up. I do have a mobile and the mortgage is {$630.00} a month and Im behind {$2500.00}. He said that was ok and to keep him updated on my mortgage help application. Today, I get a phone from another person in the mortgage company basically demanding {$2500.00}, which I dont have, or she would be referring my account to their legal department, didnt offer any other ways of help or solutions, asked why we got behind, I told her it was due a significant reduction in income, asked how much my significant others paycheck were every week, I told her, has the nerve to say oh thats still enough, you should be paying. Didnt care about my other bills or anything I had to pay for. Mortgage takes priority she was extremely rude and not understanding or considerate of my circumstances. Ive done everything I can to get help and she expects to send money I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: NY

Complaint narrative:
I have already contacted the bureaus about inaccurate and fraudulent information appearing on my credit report. I AM DEMANDING THAT YOU REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY OR ELSE I WILL BE CONTACTING THE LEGAL AUTHORITIES AND PURSUING A LAWSUIT. I have attached the notarized copy of my demand.

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 2022-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
They call me about XXXX XXXX XXXX XXXX, using different numbers. I am aware of my debt, but One Main Financial ( in XXXX XXXXXXXX XXXX  ) can't be calling me XXXX times a XXXX. That is a flagrant XXXX violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In accordance with Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an 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 a late payment for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX us bank took all that I had and left me homeless stranded in Florida during hurricane Ian. I am Without food. I have been diagnosed with XXXXXXXX XXXX XXXX XXXX 1 year ago. I have an attorney. They took my money from my XXXX checking account. When I contacted XXXX  they would not help. They said it was a letter of intent. I needed to call us bank. XXXX new it was fraud yet still did nothing to help me. They keep telling me they will give me proof of the letter of intent. However IXXXXstill never received a copy and they closed my case without any help. I have been discharged from bankruptcy and no longer owe us bank a cent. I had proof of such. With a court ordered letter. However, XXXX Ignored me. Even knowing my condition. I contacted us bank. Us bank Then told me because I have an attorney they wont talk to me about my account. My attorney contacted them via email and called. They have not contacted him back till this day. My attorney can not work for free. Us bank has put me in a very bad place. I hope this doesnt not kill me!! Please help Im currently without a residence. Completely bankrupt and suffer from 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 2022-10-13 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: GA

Complaint narrative:
I have reach out, mailed, called FED-retail along with the Credit bureaus XXXX XXXX Equifax XXXX XXXX XXXX to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see.

15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA XXXX FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: GA

Complaint narrative:
I have reach out, mailed, called FED-retail along with the Credit bureaus ( Experian XXXX XXXX XXXX ) to remove all late payment. As I was never late on a payment. Nor did I give them permission to share any of this information with anyone! They are in direct violation of the credit laws listed below. 

15 US CODE 1681 ( a ) ( 4 ) Consumers right to privacy. I did not give you permission to post anything about my personal financial information for the whole world to see. 
15 US CODE 6802 ( b ) 1 ( a ) b ( c ) Obligations with respect to personal information. By law you are to disclose that you will be sharing my personal information. You did not disclose the fact to me whether written or otherwise that you were going to report my personal information. This is a MAJOR violation of my consumer rights. 
15US CODE 1681a My consumer report should not include transactions between the consumer and the person making the report Your report is clearly showing transaction between myself and the persons the fact that you are reporting accounts with and late payments and balances etc clearly shows you are in violation of this law. 
15 U.S CODE 1681b I am the original creditor and as such being born a natrual person I am the only one who has the right to extend credit. Therefore the use of any information to extend credit to me without permission is a blatant violation 15 US CODE 1666b. -Timing of payments : Nowhere in the TILA, FCRA XXXX FDCPA does it mention a late payment, but you are posting late payments to my credit report. You are being very inaccurate and devious. You are breaking FCRA laws.

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 2022-10-13 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank ( Bread Financial ) has not reported to credit agencies since XXXX. My last reported balance was nearly {$1200.00} and my current balance is XXXX. This is negatively impacting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The information XXXX XXXX XXXX of {$5500.00} from XXXX XXXX XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.

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 2022-10-13 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: TN

Complaint narrative:
The information XXXX XXXX XXXX of {$5500.00} from XXXXXXXX XXXX  XXXX XXXX XXXX is incorrect and should be deleted from my credit report. This matter has been resolved in court. Please see attached document.

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 2022-10-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXXXXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX ; XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX ; XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX  XXXX ; XXXX  XXXX XXXX via 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 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.

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 2022-10-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


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 XXXXXXXX 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, 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 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.

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 2022-10-13 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I saw a car loan from XXXX, and it is charged off, which is not my account, but it is stays on my credit report for long time. 
I call Experian today ( XX/XX/2022 ) ask them to remove that from my credit report, they told me I have to come to FTC.GOV to file a claim, then submit a document to their website. So they can help me remove that fraud.

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 2022-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I originally filed a complaint on XX/XX/2022 and was assigned the following reference Consumer Financial Protection Bureau, case number : XXXX. I was then contacted by XXXX XXXX Executive Office Case Specialist of the XXXX XXXX XXXX XXXX XXXX Wells Fargo. Further reference letter XXXX XXXX that was submitted to the CFPB according to Wells Fargo they attempted to do a wire transfer but it came back account unrecognized when I asked for a copy or a confirmation of the rejection I was offered a cashier 's check for the total amount of the CD accounts. The cashier 's check was received on XX/XX/2022. Due to banking regulations in XXXX the cashier 's check can not be negotiated nor deposited. I've gone ahead and tried to contact Wells Fargo once again and have come across the same problem where no one is answering the phone. I even went as far as trying to contact XXXX XXXX XXXX at XXXX And have left her four different voice mails but I have yet to get a call back. 
On XX/XX/2022 my son initiated a wire transfer from his personal account Using the very same information that was given to Wells Fargo and the transfer went through the very same day. I feel that Wells Fargo has try to resolve this matter in bad faith and being disingenuous with the information that they provided it offered a quick cashier 's check just to end the problem. The problem still exists the cashier is worthless and we need to have the money wired to the account that was provided to them.

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 2022-10-13 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: NY

Complaint narrative:
I have already contacted the bureaus about inaccurate and fraudulent information appearing on my credit report. I AM DEMANDING THAT YOU REMOVE THE INACCURATE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY OR ELSE I WILL BE CONTACTING THE LEGAL AUTHORITIES AND PURSUING A LAWSUIT. I have attached the notarized copy of my demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: PA

Complaint narrative:
I filed a complaint against Experian ( complaint ID XXXX ) to show proof of their verification process concerning this issue ( Identification number XXXX ) on my credit report. They didn't show any proof of how they obtained this information. They only sent me my credit report saying that it is verified. There's no information for me to contact the furnisher of this information. I tried contacting the court and i didn't receive a response. I sent a certified letter with a self address envelope for them to send me information about this issue. Can you please have them show proof of how they obtained this information. This is the courts address, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. If the courts verified that this belongs to me then please let me know how you reached them so I can address this situation. If Experian can't provide updated proof that the courts reported this information to them, and how they contacted them. Then please remove it from my credit report.

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 2022-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: IN

Complaint narrative:
On XX/XX/XXXX we purchased a Solar Panel System thru XXXX XXXX XXXX which changed their name to XXXX XXXX for the amount of {$48000.00}. We were financed thru Sunlight Financial XXXX XXXX XXXX XXXX XXXX, SD XXXX. On XX/XX/XXXX XXXX XXXX closed their doors and went out of business, leaving me and thousands of other customers out to dry so to speak. XXXX XXXX used deceptive and unconscionable tactics in order to convince consumers to buy solar panel systems and performed shoddy and substandard work installing them, and sold me a system that I was promised to supply me with 95 % of my electrical consumption and only produces 50-60 %. I have tried to get some answers and resolution from Sunlight Financial, since XX/XX/XXXX I have called 3 times and they will not talk to us. I have also emailed them with no response. Please give me some guidance as we have a substantial loan and now XXXX XXXX is out of business which voided their contract with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX has not reported to credit agencies since XXXX. My last reported balance was nearly {$1200.00} and my current balance is XXXX. This is negatively impacting my credit score.

Company response to consumer: Closed with explanation