vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My loan originated in XXXX of XXXX with World Savings Bank. World was bought out by XXXX, who was then bought out by Wells Fargo. Prior to the loan transfer, my XXXX statement disclosed a pay off date of XXXX XXXX  This loan is a bi-weekly ARM, based on the Cost of Savings index. At origination, the interest rate was nearly 7 %. 
Since interest rates have not trended above 7 % since origination, and we continued to make timely mortgage payments, we assumed a loan payoff date of XXXX XXXX 

Over the last 1.5 years, we saw subtle changes in the 'payment due ' area of our mortgage statements. Long story short, I contacted Wells to determine when the loan would be paid off. Our mortgage statement reflected a XXXX maturity year, exactly 30 years. I explained that as a former loan originator, I knew exactly what the benefits of the loan program were and how payments would be applied -- payments would be applied to principal every 14 days, which would shave 6-7 years off of the loan term. WF essentially said there was no way they could truly provide an amortization schedule based on an ARM. If the former lender ( World Savings ) provided one, why can't WF? 

I escalated my complaint to the Illinois Attorney General 's office. They were not able to do anything, except facilitate communication between myself and WF. My goal is twofold : 1. To determine if other WF borrowers with bi-weekly mortgages face the same challenge? 
2. To reflect the mortgage as paid in full. 

If you have any questions, feel free to contact me at 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 2024-02-19 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: NY

Complaint narrative:
I have no connection to these creditors and did not instigate these inquiries. I urge you to promptly remove them from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: Synovus Bank
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX with 1STprogress has violated my rights. 

15USC 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 an account without 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 2024-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My husband and I requested a domestic wire transfer on Friday, XXXX XXXXXXXX a transfer to a mortgage title company for our closing costs. On Monday, XX/XX/XXXX, my husband received a call to Citi Bank to verify his identity. He called back. He then received a text to verify his identity. After verifying the text for his identity, he was then asked two random questions : a ) Type of XXXX XXXX owned b ) Location of properties owned My husband has neither water vehicles nor any properties provided. After trying to clarify, Citi Bank said he had failed the verification and therefore the wire transfer was canceledd. 

We immediately requested a new wire for our funds and called Citi Bank. After being on the phone for 60 minutes, we were provided the number to the Citi Wire Speciality Unit. XXXX, the agent, with us on the phone said that there was a hierarchy to identity verification- text and then Citi uses a third-party company to find random information for clients to identify and confirm. The problem is that neither my husband nor I have ANY INFORMATION on the questions asked- we believe that the wrong identity was researched and therefore we can't access or utilize our money. We now have to hope that our second wire comes through and that, hopefully, the two questions asked are relevant to us. 

We are furious that we have had to jump through hoops ( getting access to our account was a whole other issue ) and now, we can not do what we need to do with our own money. The wire is time-sensitive and we are now further away from getting a remedy.

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 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I just recently reviewed a copy of my credit report. I very Shocked to learn that Ive been a victim of identity theft. I found numerous accounts and inquiries on my credit report that were not open by me. This has been unjustly harming me as I am in the process of getting a home for my family. Please remove the fraudulent accounts and inquiries from my credit report as soon as possible. In accordance with the FCRA, specically sections 611 ( 15 U.S.C. 1681i ) regarding the correction of errors and sections 623 ( 15 U.S.C. 1681s-2 ) concerning this I demand immediate action to expedite this investigation and removal of the inaccurate collection account from my credit report. Given the substantial impact of this issue on my nancial standing, I stress the need for a resolution within 24 to 48 hours. The urgency can not be overstated, as it affects my mental and nancial health. 

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 2024-02-19 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I have tried to use my $ XXXX AMEX gift card several times to purchase something on XXXX, and it has been blocked every time by Amex. The card has the full funds and they will not let the purchase go through. I simply want to use my gift card on an online purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am speechless. Errors on my credit report are damaging my credit reputation. Experian is in violation of the FCRA by reporting these inaccurate records.

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 2024-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bell Global Solutions LLC
State: TN

Complaint narrative:
Since XXXX XXXX days, I have XXXX different calls missed from a company addressing themselves as Bell Global XXXX XXXX I have done research online and feel it is likely a company buying old debt, or not even actual debt but just information. In the past I did have overdue credit cards but I have worked hard and repaired my credit to where my credit report does not show anything in collections. 

Anyways, Bell Global is supposedly run by XXXX XXXX, who used to work at XXXX XXXX XXXX, which has had multiple lawsuits filed against it for bad debt collection practices. Bell Global also has not sent me any sort of letter correspondence. Bell Global does not have a debt collectors license in the state I live in, nor shows up as a business entity in my state ( Tennessee ) period.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: WI

Complaint narrative:
The company is LVNV they said they sent a notice out on the XXXX of XXXX and I havent received any notice they lied only how they new my address is because Ive updated it my name is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have been crying out to the XXXX major Consumer reporting Agencies for the longest time in regards to an Account that does NOT belong to me. This account is listed below in detail! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} Opened : XX/XX/XXXX Transunion, XXXX, & XXXX have all responded by stating that this account has been verified along with being accurate. I have provided proof that this account is NOT reporting accurately by far. I have attached a document ( payment statistics ) from each Bureau as pertains to XXXX XXXX XXXX demonstrating the inaccuracies. 
XXXX Transunion XXXX XXXX report the last payment as XX/XX/XXXX, as XXXX reports the last payment as XX/XX/XXXX. 
- Transunion reports the closing date as XX/XX/XXXX, as XXXX XXXX XXXX report the closing as No info. 
- Transunion displays XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Transunion reports the account as a charge off - CO, XXXX just as Closed, and XXXX is still reporting XXXX Account as Late Payments as to date while simultaneously reporting the account as being Closed. 
This Account is NOT reporting in compliance with The Fair Credit Reporting Act via 15 USC 1681.

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 2024-02-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been crying out to the XXXX major Consumer reporting Agencies for the longest time in regards to an Account that does NOT belong to me. This account is listed below in detail! 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} Opened : XX/XX/XXXX XXXX, XXXX, & Experian have all responded by stating that this account has been verified along with being accurate. I have provided proof that this account is NOT reporting accurately by far. I have attached a document ( payment statistics ) from each Bureau as pertains to XXXX XXXX XXXX  demonstrating the inaccuracies. 
XXXX XXXX XXXX Experian report the last payment as XX/XX/XXXX, as XXXX reports the last payment as XX/XX/XXXX. 
- XXXX reports the closing date as XX/XX/XXXX, as Experian XXXX XXXX report the closing as No info. 
- XXXX displays XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX reports the account as a charge off - CO, Experian just as Closed, and XXXX is still reporting the Account as Late Payments as to date while simultaneously reporting the account as being Closed. 
This Account is NOT reporting in compliance with The Fair Credit Reporting Act via 15 USC 1681.

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 2024-02-20 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: CA

Complaint narrative:
nothing happened. i received no answer or acknowledgement of my dispute requests. i sent disputes on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have noticed there is inaccurate informations on my credit report. Was a reasonable reinvestigation done property? Please note 15 U.S.C 1666B stats a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose and 15 U.S.C 1681 section 602 A. States I have the right to privacy. I can't buy a new house because of these errors! They need to be removed with 5-30 days per law Or I will be forced to seek more legal council.

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 2024-02-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 without 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 2024-02-19 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: NY

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I CHECKED MY CREDIT REPORT ON XX/XX/year> TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY STUDENT LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX. States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have noticed there is inaccurate informations on my credit report. Was a reasonable reinvestigation done property? Please note XXXX XXXX XXXX  stats a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. I can't buy a new house because of these errors! They need to be removed with 5-30 days per law Or I will be forced to seek more legal council.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is obligated by the FCRA to report accurate accounting, consumer has advised that the closed XXXX XXXX Account # XXXX had 4 days according to Law to remove this derogatory item. This Consumer is now requesting XXXX to provide the documentation used to determine that account was validated by the creditor, XXXX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. The Consumer is not asking for an e-Oscar report if XXXX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. XXXX Commission file number. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filing form 211 treasury OMB forms to audit consumers account. XXXX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 2024-02-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has incorrect information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX is reporting a debt to my credit report without my consent the original creditor XXXX never sent me a valid debt validation letter, which I requested to see the information on their paperwork, no contract with my signature and my address is not correct. Also, they are reporting this debt to only one credit agency XXXX XXXX. I contacted them which they tried to charge me money for them to send in documents and get this deleted because the agent seen the errors on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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