vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-06 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: TN

Complaint narrative:
I am submitting this complaint because XXXX XXXX XXXX  XXXX is reporting unfair information on my consumer report. This is a violation of 15 USC 1681 ( a ) ( a ) Accuracy and fairness of credit reporting.

The Congress makes the following findings : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. This student loan is reporting 30 60 90 days late and student loan repayments are paused because [ Biden Student Loan Forgiveness ] is in litigation. Payments are paused until 60 days after XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
This complaint is in reference to Freedom Mortgages policy on holding checks cut for an insurance claim. I have a roof replacement claim through my insurance company. They approved the work and drafted a check however their policy is to include the mortgage company on any checks over {$7500.00}. Freedom has created a policy by which they hold the funds sent by the insurance company and will not distribute the funds until me, the customer provides them with a bunch of documents. Once those documents are received then Freedom will distribute a portion of the funds. A part of the delay is due to this department using an incorrect email to commute with me, therefore I was unaware that they wanted more documents. I only learned this through my own follow-up. No communication of contact from Freedom during this process. Final funds are not distributed until Freedom inspects that the work has been completed. My complaint is that Freedom only has a vested interest in the property and those funds are not theirs to hold. I get that Freedom is concerned that the work is done as again they have a vested interest however their process creates more delays and in fact caused more damage to the property, they have a vested interest in. How can it be legal for Freedom to hold and distribute funds that is not theirs? How can Freedom create a policy to hold funds that is not theirs? This feels unethical and even worse unlawful. Additionally, I have requested manager calls to which I have received none. Today I spoke with XXXX XXXX, XXXX XXXX and XXXX XXXX all who just kept apologizing for their policy.

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 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
On XX/XX/2023 I received a hard inquiry from Barclays Bank Delaware stating that they received my information for a new installment loan or a new bank account inquiry. I havent apply for anything with this company recently and I tried to contact them with the phone numbers provided in my credit report and the phone numbers that I called didnt work.

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 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
XXXX Took my my money for a reservation and would not give the funds back even though I was not able to stay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent, attorney in fact, so be it ; 1. It is a Fact that afant is the only natural person with rsthand competent knowledge of the facts of this transaction. 2. It is a Fact that afant is a consumer as dened in the Fair Debt Collection Practices Act specically, Title 15 USC 1692a ( 3 ) because afant is a natural person. I am writing in regards to the XXXX data breach & the subsequent compromise of my personal information. Pursuant to Title 15 USC 1681 ( a ) ( 4 ) your company failed to ensure that the information on my consumer report was accurate failed to exercise their responsibility with fairness & impartiality. Upon reviewing my report, I discovered fraudulent account opened using my personal information which is a result of the data breach any legal means, including power of attorney fraud. I demand immediate action to secure my information & prevent further identity theft in accordance with the FDCPA is protection of my privacy I demand that all fraudulent information be removed from my report within XXXX business days, per FCRA section 605B & title 15 USC 1681 C2. I do not give consent for any information to be furnished without my authorization per title 15 USC 1681 604 ( A ) ( 2 ). I expect any violations on my consumer rights to be a dress with fairness and impartiality. With all these violations listed and fraud found I may start the administrative process. However, I will give your company the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account 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 non-monetary relief
Consumer complaint received 2023-03-06 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 — Problem with personal statement of dispute
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
During the month of XX/XX/XXXX I contacted XXXX and explained I was having a financial hardship and I was looking for options to help me avoid missing a payment as well as damaging my credit history. I spoke with a representative, they reviewed my file and offered me the option of getting on a loan repayment plan in which they would apply my XX/XX/XXXX payment due to XXXX subsequent payment. They never verbally disclosed nor explicitly stated in their repayment letter which i have enclosed that would be hit with a 30 day late on my report. In fact, I have been charged late twice once in XX/XX/XXXX and again in XX/XX/XXXX. Additionally when I was enter into this plan my payment due date changed from a pay by date of the XXXX of the month to the end of the month.As you can see by my posted payments I have met these terms.Why are they allowed to offer me relief while still damaging my credit with late reporting s?????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
The balance is incorrect, I am not familiar with this collection agency and did receive any communication or notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax is reporting and unverified medical debt on my consumer eport this debt has never been verified I have no idea were it came from and there is no information on my consumer report about this debt. It is showing up as collections but it has not been verified. This is violation of 15 USC 1681 fairness and accuracy of credit reporting. 
Due to this inaccuracy I have been denied credit and my right to privacy has been violated. Also The cfpb states that all medical debt under XXXX $ would not be furnished on consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I never RECEIVED communication or summons from the third-party company MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX On XX/XX/2023 I just received notification from Michigan Department of Treasury Withholding Unit that the third-party company MIDLAND FUNDING LLC XXXX XXXX will receive {$1400.00} dollars from my Tax Refund. I also just received notification from Michigan Department of Treasury that the plaintiff XXXX XXXX XXXX XXXX XXXX is representing on behalf of the Third-Party collection agency. Ive found multiple violations that the plaintiff and company MIDLAND FUNDING are participating in. I also informed the Michigan Department of Treasury of the unlawful debt collection practices occurring. MIDLAND FUNDING LLC XXXX  XXXX XXXX XXXX XXXX NEVER gave any verbal or written consent to garnish wages, nor collect any debt. I do not owe any debt to this company, nor is the debt reporting to any consumer report. It is also a violation of federal law, the Fair Debt Collection Practices Act ( FDCPA ), for a debt collector to threaten that your wages will be garnished if your wages can not legally be garnished. DEBT COLLECTORS AND CREDITORS ARE NOT ALLOWED TO SUE ME WITHOUT GIVING ME NOTICE THAT I HAVE BEEN SUED. All lawsuits require proper service; meaning the plaintiff must provide the defendant a copy of the complaint against them and a summons, in which I never received until Tax Refund was OFFSET.

1. A debt was never owed to MIDLAND FUNDING LLC XXXX XXXX ( NOT ORIGINAL CREDITOR ). XXXX XXXX is the original creditor. 

2. I NEVER received proper service, such as Summons, Complaint, WRITTEN DEBT. 

3. This company CAN NOT and will not provide Validation of DEBT owed A debt collector is required to provide certain information when it first communicates with a consumer, or shortly after. When the debt collector provides this required information electronically or in writing, it is called a validation notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a letter from Chase stating that they were cancelling my credit card due to my having a connection to financial investigation. I am not under any investigation and they have confused me with someone else, which has happened due to my name being similar to others who have been in financial trouble. 

When I called the phone number Chase provided, I was told that the decision was final and that they were not able to talk about it with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so. 

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information on 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 2023-03-06 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting act XXXX  Account : XXXX XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : I also states a consumer reporting agency can not furnish an 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 2023-03-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo mortgage closing on XX/XX/2015 property with United States Treasury involved. 

Remodification improper fees and Closing mishandled. Add on fees also improper. 

I had this FHA loan for around 15 years and during that time I had 2-3 remodifications recommended by Wells Fargo ( I believe and only remember two. ) This was around the time the market fell in 2008ish.

When I sold this property, Wells Fargo gave the title company the balance owed with two remodifications included to be paid and gave a " clear to close '' balance which paid off the two remodifications also. We then closed on the property.

Years later I received a letter from the US Treasury saying I owed on a remodification loan that was not paid at closing on the above property to them and I have 30 days to pay {$16000.00} or I will get charged a penalty of {$10000.00}! I thought it may be a scam since they threatened me when I called like a debt collector would, and ignored it until the did charge me the {$10000.00} penalty. They started garnishing my wages and garnishing my tax returns. So I called Wells Fargo and asked them to send all info on the loan. It seemed the accounting was correct, but I really didn't know how to read it. 

I want you to please check the charges on this loan and the remodification fees overcharged as Im not sure if Wells Fargo did not pay them to US Treasury at closing or if US Treasury was paid but did not credit my account. Another scenario is that Wells Fargo added another remodification to my account and forged my name. Otherwise, how would they get a payoff and " clear to close '' and the Title Company close on the mortgage? 

This has harmed me for years as I was a single mom and XXXXXXXX XXXX and they affected my credit where I could not buy another house and it has affected my and my children 's quality of life. Now I am receiving Social Security and they are garnishing from that check. 

Please help with the charges on the loan and let me know if I really owe this. How could they give a payoff with two modifications paid off and come back years later to tell me US Treasury didn't get paid on another after receiving a payoff from Wells Fargo and " clear to close '' at closing on this property? 

I appreciate the help so much!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2023 I sent the credit bureaus letters asking them to verify the debt on my report.XXXX and Equifax responded stating that everything is verified correctly. My credit report is still showing inaccuracies. 
I never got a response from 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 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681s2 ( 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.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I took a look at my Credit report and it has multiple discrepancies that I have tried to settle with the credit bureaus and need them removed as the information violates FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have send roughly ( 5 ) FTC reports pertaining to XXXX XXXX which is a credit card that has been showing up on my report, Furthermore, Trans Union correctly continues to remove the account, however it also continues to allow XXXX XXXX to continue to reinsert the account into the report after it has been removed for fraud. Therefore, it does not seem to be permanently deleted as XXXX XXXX continues to abuse the credit reporting process as Trans Union has not taken steps to curb this conduct by XXXX XXXX. I have since sent in another FTC report with the same information to be deleted.

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 2023-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: WA

Complaint narrative:
Date if phone contact with collection company Wakefield requested info they responded with promise to postal mail samenever received. All I know is debt supposedly occurred in 2020 I was made aware of this from XXXX XXXX never was contacted from collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06 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: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I have an auto loan that was reported on my account that I had never had in my life I have never had an auto loan with Santander bank theres no Santander bank in XXXX PA this account is now closed and I need to get this removed off of my credit because it is identity theft I did call Santander and they instructed me to this website to get this removed off of my credit I have also sent Santander my police report that I filed with my local police department

Company response to consumer: Closed with explanation