vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 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: LA

Complaint narrative:
The credit reporting agencies XXXX, Equifax and XXXX is reporting a bankruptcy to my report after it clearly states and are governed by law that The United States of Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit file. Please remove the following from your records. Furnishing of this information violates The Fair Credit Reporting Act and my consumer rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Impacted by Covid-19, we ( myself and my spouse ) asked the servicers of our loan mortgages- the Home Mortgage and the Equity Line loan for assistance. Both sent us modification applications that were completed and emailed, on the same day, XXXX XXXX.Both servicers confirmed receipt of our applications. 
XXXX XXXX XXXX, the servicer of our Home Mortgage modified our first mortgage and was kind enough to reduce our interest rate from 4.1 % to 3.123 %. We signed the modification agreement and went for the 3-month trial period. 
Rushmore Loan Management Services LLC ( RLMS ) was unresponsive but we kept a steady follow-up, insisting on a decision. After a lengthy pause, it responded in the following way : - " Dear XXXX, This message is to acknowledge the receipt of your request for assistance based on financial impact from Covid-19. Please note there is no need to contact us, We have received your application and it is under review. We will respond within 10 days. We appreciate your patience as we work to provide you with an accurate and timely response. 
Sincerely, Rushmore loan Management Services. '' Contrary to what it promised in this message, we never received any response. Ironically, when the servicer of our first loan mortgage sold that mortgage to RLMS after its modification, in the third month of the trial period, RLMS insisted on redoing its own modification. We insisted that RLMS should honor the modification terms we signed with the prior servicer. It refused. The wait time was long and costly, but we finally got a modification close to what we signed with the prior servicer. Without acting on our application, RLMS sold our two loans to Mr. Couper of Nationstar who set up a new servicing platform, and named it Rushmore Servicing.

The inaction of RLMS was discriminatory and violated the financial regulations it claimed it adhered to. At the time of our application, the interest rate on our loan was 3 %, our monthly payment was {$160.00}, and our arrears amounted to less than {$2000.00}. 
The new servicer - Rushmore Servicer- served us intent of foreclosure. To forestall the foreclosure, we applied for modification. It came up with a staggering terms of an agreement, hiking the rate of interest from 3 % at the time of our initial application in XX/XX/2121, to a interest rate of 8.650 % fixed for thirty years, raising the the prior principal balance of {$63000.00} to {$75000.00}, and capitalizing the arrears of {$12000.00}. This will result in a fixed monthly payment of {$580.00} compared to {$160.00}, we were paying when our application was under review by the previous servicer, RLMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-03-05 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I recently opened Bread cashback credit card offered by Comenity bank. 

They financial institution charged me interest fee even though Auto Pay is ON.

The payment was not made due to the delay on the financial institution end.

When the required payment was not made on the scheduled due date as per auto pay in the month of XX/XX/2024, I called customer service to confirm if I need to make the payment. And, the executive confirmed it to me that NO, considering there are enough merchant credits ( refunds ), I am not required to make a payment.

When I complained about the same, the financial institution not agreeing to reversing the interest charges even though it is not consumer 's fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-05 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: MI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. 
This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & Equifax breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. 
According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. 
Also it is illegal these companies should NOT be furnisher people 's information to XXXX party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
The u s collection went to court and garnished my wages from work .I payed off my debt to the collections I have proof of payments and I have the letter that states the debt is satisfied and will not honor that I payed it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX I am writing to report an unauthorized transaction that occurred on my Coinbase account. On XX/XX/2024, at XXXX XXXX, a transfer of XXXX XXXX, equivalent to - {$720.00}, was made to the wallet address XXXX. 

The following details outline the unauthorized activity : - The transaction was carried out without my knowledge or consent. 
- The device ( s ) used to access my account were not in my possession during the transaction.

- There was contact with customer service representatives during this time.

- No unusual phone service interruptions or incidents of phone porting/sim swap were reported.

- No unrequested emails or SMS messages claiming to be from Coinbase were received.

- I do not have any remote desktop software installed on my device.

- There have been no recent installations of software or browser extensions on my device.

Upon further investigation, it was found that the transaction failed to fully complete. I am unfamiliar with the recipient and have no knowledge of their identity. These circumstances raise concerns about the legitimacy of the transaction. I kindly request your assistance in investigating this matter and potentially recovering the funds.

Your prompt attention to this issue is greatly appreciated. I look forward to your response and a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX I sent a dispute letter to XXXX, Transunion, and XXXX regarding inconsistencies on my credit report. I asked them to investigate and never received a response, and the information was never taken off of my credit report. I have sent several requests since XXXX, and with no luck. This is a direct violation of my rights according to the Fair Credit Reporting Act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX I sent a dispute letter to XXXX, XXXX, and Equifax regarding inconsistencies on my credit report. I asked them to investigate and never received a response, and the information was never taken off of my credit report. I have sent several requests since XXXX, and with no luck. This is a direct violation of my rights according to the Fair Credit Reporting Act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: Ability Recovery Services, LLC
State: MI

Complaint narrative:
I received an alert from several credit monitoring services that a new collection account was placed on my consumer credit reports from Ability Recovery Services , LLC. I requested validation of this debt from Ability Recovery Services , LLC. I did not give Ability Recovery Services LLC, consent or authorization to access my credit reports from any credit reporting agency. According to 1692g. sec 809 ( a ) of the ( FDCPA ) Fair Debt Collection Practices Act. A debt collector within five days after initial communication with the consumer in connection with the collection of any debt shall send the consumer a written notice containing 1. The amount of the debt. 2. The name of the creditor to whom the debt is owed. 3. A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, all collection activities shall stop, until validation is given to consumer. Ability Recovery Services LLC hasn't showed any permissible purpose to be listed on my consumer 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 2024-03-05 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TRANSUNION CONSUMER DISPUTE CENTER XXXX XXXX XXXX XXXXXXXX, PA XXXX 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 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  The accounts listed above 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 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. 

*** I DO NOT NEED YOU TO START A DISPUTE ON MY BEHALF AS I HAVE ALREADY DONE SO AND TRANSUNION DID NOT RESPOND/SENT STALL LETTER/VERIFIED AS ACCURATE ( WITH NO PROOF AS REQUESTED ). 

BEST, XXXX XXXX Without prejudice, all natural inalienable rights reserved.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2024-03-05 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: SC

Complaint narrative:
I looked at my report on XX/XX/year> and noticed some things that are inaccurate and incomplete. I sent a letter to Equifax on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. THEY ARE BREAKING FEDERAL LAW!!! 
ACCORDING TO : 15 usc 1681 e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 usc 1681 I ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. AND 15 usc 1681 s-2 ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. THIS IS UNFAIR AND ILLEGAL! If theyre doing this to me imagine who else theyre doing this to. They must be blind because everything is inconsistent. Can you fix this ASAP?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/2023 I transferred {$1500.00} to XXXX XXXX 's Wells Fargo bank account which he said he never received. A letter from my bank manager sent a letter to Wells Fargo, but Wells Fargo refused to confirm if the money was received. 

All attempts to contact XXXX XXXX proved futile.

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 2024-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check on behalf of my new tenant. Check is XXXX XXXX funds. They are not named on my account. Within XXXX minutes of depositing check I get alerts stating my accounts are scheduled to close. The next day I speak to agents on the phone and they say if I go into the branch with check owner they will release hold. So I made an appointment with the branch and went in the branch with check agent. The agent is actually her son who has a power of attorney and that power of attorney is registered in the county of XXXX in California. They take copies and should have already cleared this up by now. Everything is up and transparent. I dont know why my account is still inaccessible and funds are still tied up.

Please help.

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 2024-03-05 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: FL

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.

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 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