vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent in dispute letters to challenge this accounts reporting on my credit. I sent letters on XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} {$0.00} 6.00 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3600.00} {$0.00} 6.00 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} {$0.00} 3.40 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2600.00} {$0.00} 4.50 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3400.00} {$0.00} 3.40 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} {$0.00} 6.80 % XX/XX/XXXX XXXX AI XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} {$0.00} 6.80 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$4500.00} {$0.00} 5.60 % XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} {$0.00} 6.80 % XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} {$0.00} 6.80 % XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WSFS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I deposited approx {$300000.00} on aprox XX/XX/2018 & only bought a car for approx {$44000.00} & the money is gone! My XXXX  reviewed my acct and saw that the bank never altered her that someone was taking a large amount, several times a day, Approx {$600.00}! No one called her, but her acct gets frozen now for {$100.00} after reporting her money was gone!!! How does a bank do this without accountability!!!!

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 2023-02-01 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: TN

Complaint narrative:
My name is XXXX XXXX XXXX, and any other variations are false. Due to prior efforts in trying to update my name, addresses, explaining the identify theft Ive endured, following the consumer dispute process and doing my due diligence in written instruction to XXXX, Equifax, and XXXX are in violation of 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) 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. 
I made these third-party agencies aware of the issues with these accounts below and they still refuse to comply. 

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

15 U.S. Code 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. Code 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, The story is very long and complicated and we have already written before about our situation hoping that all would be resolved. 
In brief we received a COVID exemption on our mortgage during the COVID pandemic. We were given three different COVID relief packages and gratefully took them. Wells Fargo said we would add the back mortgage payments to the final payment at the end of our tenure as owners of the house. 
When the covid relief ended we requested a loan modification and were approved. We sent in the documentation requested, the final signatures and were told that they were being upgraded to the system and all was fine. After a strangely long time and our attempt to contact someone with knowledge at Wells Fargo without any success, we decided to just go ahead and pay our old mortgage payment and proceed until someone contacted Us. 
Much to our surprise, we were unable to pay the mortgage and wells said we had gone into foreclosure. 
Letters had been mailed but not received and we were totally dumbfounded. This was not only consistent with the covid relief statements but it was also double tracking as we were in the process of an approved loan modification. 
Again we spoke with great difficulty to someone at wells fargo and were told that a mistake had been made that the foreclosure was not happening to proceed with our loan modification and make mortgage payments. We promptly made a mortgage payment which was accepted and eagerly awaited news about the second time asking for the loan modification. 
Now we have received in the system a note that we have thirty days to do a shortsale. 
This is illegal but the stress and anxiety that it is causing me and my wife and daughters is extreme. 
This is not honest, professional or legal and we need help. 

Please advise.

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 2023-02-01 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.

Complaint narrative:
I am a victim of identity theft please remove all the accounts that I have mentioned in the report as I have no knowledge in any of this, these do not belong to me and were never filed by me. Please help me solve this issue, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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.

Complaint narrative:
I am a victim of identity theft please remove all the accounts that I have mentioned in the report as I have no knowledge in any of this, these do not belong to me and were never filed by me. Please help me solve this issue, 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 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I signed up for Delta Skymiles American Express, clicking through an offer for XXXX Delta Sky Miles if I spend {$3000.00} within 3 months. They baited and switched me with an offer for XXXX Delta Sky Miles, saying that's what I signed up for, even when I took a screenshot of what I clicked through. They have been stalling for 5 ( going on 6 ) weeks with an " open investigation '' and telling me I will receive a resolution within 5-7 business days. It has been 5-7 business weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: MS

Complaint narrative:
I am aware that my SSN belongs to the ( XXXX XXXX XXXX XXXX  XXXX and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXX XXXX XXXX ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733. XXXX XXXX XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( EXPERIAN ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX for the account opened XX/XX/2020 with account number XXXX and XXXX XXXX XXXX XXXX for account opened XXXX XXXX with account XXXX. Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( EXPERIAN ) into the FTC Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
unauthorized Hard inquries- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete other names XXXX XXXX XXXX Accounts Affected by the XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 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 Account # XXXX, has violated my rights. 

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 Account XXXX XXXX, has violated my rights. 

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  XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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 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. 

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 XXXX XXXX Account # XXXX, has violated my rights. 

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

In accordance with the Fair Credit Reporting act 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 non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I mailed out a payment of XXXX on XX/XX/XXXX, on XX/XX/XXXX I noticed that payment had still not gone through so made min payment XXXX which was due ( knowing that the check had been mailed XXXX prior. I called company and they reported they were having issues with people mailing in payments and were going to start an investigation. On XX/XX/XXXX they charged me XXXX in interest and then finally put my payment through in next payment period and posted the check on XX/XX/XXXX. I called and spoke with them and said they were only allowed to issue me a {$10.00} credit for my troubles. The new interest that I accumulated was {$26.00} after payment along with the accumulated interest of XXXX. Why are they allowed to hold a check to gain interest for a month. I was informed that when my investigation started the rep I spoke with had already started XXXX others on that day, for same reason. I can't XXXX how many people are paying extra interest and fees due to checks not being processed accordingly. I was then told that this is why everything should be done electronically, which I had a " bank check '' and could not do electronically. I do not feel I should owe them a month of interest. I mailed out XXXX other checks that same day and all were processed from the other companies withing XXXX days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 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: IL

Complaint narrative:
I have been stating thaXXXX XXXX XXXX has been reporting the same account under two different account numbers. I only had one account. According to XXXX ' XX/XX/2023 reply my account had reached the statute of limitations for reporting and they no longer were reporting XXXX account. The account that is now being reported is not my account. I have raised this issue several times to no avail.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I need to update the phone number on my fraud alert. I've sent TransUnion a number of documents, and a number of requests, to change this. I need to change the phone number to XXXX. TransUnion has said due to glitches they need documents mailed in. They've received those documents multiple times and have still not resolved my issue. This is causing me many issues. I am hoping through here, we can resolve this.

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 2023-02-01 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: GA

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

XXXX XXXX # XXXX, XXXX XXXX Service # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
We had our originally mortgage with XXXX XXXX and it was sold in XX/XX/2022 to Shell Point, during XXXX  we were able to pause payments on the mortgage, then our son passed which caused a MAJOR loss of income as my husband was his XXXX XXXX XXXX XXXX XXXX  to do so, and when he passed we lost that income. However, now those missed payments are in something called forbearance. My husband now has a job and we are able to resume our mortgage payments and want to do so, However, Shell Point will not TAKE A MORTAGE payment, until the forbearance is paid, and we are not able to pay the XXXX in full, but can also make payments on that can have expressed that we want to work a way to do that. They said NO, they only option is a modification, ok, but we have gotten nothing but issues. Everything they ask for we send, then, they come back and say it wrong, but its not, and won't help with what they are asking for. Yet they mortgage goes more and more in default, and all we want to do is resume payments, but can't. And I am afraid that they just want to force a foreclosure, please please please help. Our son died here, we need to stay in our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
We sent a check by mail on XX/XX/2020 for {$2200.00} to a mortgage company XXXX XXXX XXXX XXXX ) and the check was stolen on XX/XX/2020. The check was taken to BMO Harris bank at XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX and a BMO Harris teller cashed the check for a " XXXX XXXX '' even though the check was made out to XXXX XXXX XXXX In addition, we were charged a {$38.00} account analysis service charge on XX/XX/2020, to analyze an error that BMO Harris made.

We have reached out to BMO Harris multiple times in person, in writing and over the phone. We spoke to a branch manager in person who said if we filled out the required paperwork, we would get our money back. We did this XXXX  separate times in person to retrieve these funds and BMO Harris has taken no action to amend this situation.

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 2023-02-01 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: 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 confidentially under 15 USC1681. 

Account name : XXXX, Acct. # XXXX, Account name : XXXX XXXX XXXX XXXX acct. # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A Section 2 States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 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 response to consumer: Closed with explanation