vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear Sirs/madams : I am writing to ask if you can provide any help on my case. 

I am XXXX XXXX XXXX, residing at XXXX XXXX  XXXX, XXXX, GA XXXX. 

On XX/XX/XXXX, through the Seller 's closing attorney 's XXXX XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX, XXXX  XXXX, XXXX, GA XXXX, I bought my current house located XXXX XXXX XXXX XXXX, GA XXXX. The transaction was processed and completed by the closing attorney 's office. 

On XX/XX/XXXX, I received an email from the closing attorney 's office to inform that the Seller 's bank may foreclose on my house and asked me to call them. I then called them and they let us know that it was Wells Fargo 's mistake to wrongly calculate the Seller 's payoff balance short of {$6600.00} USD. On XX/XX/XXXX ( more than three weeks after the closing date of the house was XX/XX/XXXX, Wells Fargo sent a notice to the closing attorney 's office to inform that the payoff was short in the amount of {$6600.00} and asked the Seller to pay off. The problem is that the Seller ran away and could not be contacted after she got the money. The closing attorney 's office asked me to contact my title insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, if they could provide any assistance. After emailing back and XXXX, on XX/XX/XXXX, XXXX XXXX XXXX, Assistant Vice President/Southeast Region Claims Administrator, emailed me and confirmed that " my case is a covered matter under the terms of my Homeowner 's Policy of Title Insurance and agreed to pay the amount owed to Wells Fargo for release of their lien against the property ''. I thought the problem has been solved because I could not hear anything more from either the insurance company or the closing attorney 's office. Just late yesterday evening, XX/XX/XXXX, I received a Notice of Nonjudicial Foreclosure Sale of my house and asked to pay Wells Fargo an amount of {$140000.00} USD. The owed current amount is very large and not related to me while I paid off to buy the house legally. I also paid off all kinds of taxes related to the house to the government. It was Wells Fargo 's mistake but they now could not get back the owed amount from the Seller so they are claiming the problem on me and my house and threatening to foreclose. So, would you be able to provide me any help or advise in this case? I enclosed all relevant documents regarding the case for your reference. Your assistance would be greatly appreciated. 

Sincerely yours, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect ( high credit ) and the incorrect ( credit limit ) the ( incorrect date open ) the incorrect ( last reported ) the incorrect ( date last active ) the incorrect ( date of last payment ) for this account ( XXXX XXXX  XXXX ). Because these inaccuracies are being reported by your company and XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Attached is on updated report showing the inaccuracies 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 2022-10-21 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Accounts have violated my rights. 
15 USC 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
There are XXXX separate companies involved for this complaint. Numerous request have been made to all three companies to close my escrow account and refund my money, to that I can pay my taxes and insurance myself. 
XXXX. Fay Servicing , LLC 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, severely misapplied payments on my mortgage account. 
XXXX XXXX XXXX XXXX XXXX XXXX ( not recorded on my property deed ) supposedly received my loan from XXXX, effective XX/XX/2022. Payment was made to XXXX XXXX XXXX on XX/XX/2022 for XX/XX/2022 XXXX & I, only. XXXX XXXX XXXX XXXX XXXX received my XX/XX/2022 XXXX & I only payment via bill pay, and received my XX/XX/2022 XXXX & I only payment by money order. but did not apply my payment for XX/XX/2022 Principal and Interest, Only. 
XXXX. Fay Servicing , LLC who is also not recorded on my property deed, is harassing me with threatening letters and payment statements. 
A written request to close my escrow account and refund to XXXX XXXX XXXX XXXX XXXX Subsequently a written request was also sent to Fay Servicing , LLC. 
A phone request was made on XX/XX/2022 to close my escrow with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. A Fay Servicing , LLC representative stated by phone, that there is no way to speak with anyone in the escrow department, as they do not have phones, nor take calls. 
XXXX. Fay Servicing , LLC representatives stated by phone, that there is no place for me to take my mortgage payments to in person. 

Fay Servicing , LLC is attempting to threaten me with foreclosure proceedings, even with proof of payment for XX/XX/2022. They ( company and their representatives ) are trying to bully me into paying them, causing me unnecessary mental stress and emotional discomfort. 
Neither Fay Servicing , LLC nor XXXX XXXX A as trustee for XXXX are recorded on my property deed. 
XXXX. Not only have my mortgage payments been made on time, before the due date, I have paid more than the monthly mortgage amount, for over XXXX years. 
XXXX. Fay Servicing , LLC has multiple return addresses and XXXX XXXX XXXX ( IL, TN, TX, CA ), but I have no way to walk my payments for Principal and Interest Only into a XXXX XXXX, in order to make sure my payment is applied correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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. 

Account Name : XXXX XXXX Account Number # XXXX, Account Name : XXXX, Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX, Account Number # 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.

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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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 — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: MS

Complaint narrative:
I will be filing a lawsuit against the Exeter finance company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX  XXXX XXXX XXXX  XXXX. I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

XXXX XXXX XXXX XXXX : XXXX Home Office : XXXX Home Office Fax : XXXX Corporate Office : XXXX XXXX XXXX XXXX : TBA Email 1 : XXXX Email 2 : XXXX Company Email : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There is a billing error. 

15 U.S. Code 1666 - Correction of billing errors ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, The law 15 usc 1681e ( b ) speaks about the accuracy of the consumer reports they produce! It must have maximum possible accuracy! Accurate means all values correct all information exact! So in general XXXX is furnishing inaccurate information on my consumer reports which is a direct violation of XXXX usc XXXX ( b ). 

XXXX XXXX and XXXX are violating my rights that are federally protected. 

XXXX deleted this account and it has reappeared on my credit file which is illegal!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have someone elses social security number and all their personal info on my Equifax and I found it out in XXXX of this year and we have the same name exact birthday and live we live in the same city and I have been getting mixed up with her over 13 years since I moved to the same city in 2009. I reached out to Equifax and sent them my ID but they changed some but not all of the info. Now it is half her info and half of mines.It has kept me from financing, getting credit cards and other things as well as stress not knowing if she has my information. I screened shot all the info as evidence and saved it to a file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
My loans were transferred to MOHELA this year. I have sent them XXXX emails about issues drag I need their help with and have had no response. I sent a letter by mail with delivery confirmation so I know it's received and I've had no response. I had a request to update my income based repayment, which they sent a letter to refuse to make the change and to let them know if I want the change. How am I to contact them if they respond to no communication? I'm hard of hearing and they don't have a TTY line, they depend on XXXX to call them. They absolutely don't take it seriously to help borrowers. I will be done with them with student loan forgiveness. However their inability to actually respond to any of my communications is absurd

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect ( high credit ) and the incorrect ( credit limit ) the ( incorrect date open ) the incorrect ( last reported ) the incorrect ( date last active ) the incorrect ( date of last payment ) for this account ( XXXX XXXXr XXXX ). Because these inaccuracies are being reported by your company and XXXX and XXXX are different, this means the account has not been properly verified. Please delete this account immediately. 

Attached is on updated report showing the inaccuracies 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 2022-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Hello, Please see below message that I sent to CAPIO PARTNERS LLC. 



CAPIO PARTNERS LLC Attn : XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX, MrXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Re : Alleged Original Creditor : XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$930.00} Dear CAPIO PARTNERS LLC I recently received communication from you attempting to collect the above-listed alleged debt. You sent your initial communication attempting to collect the alleged debt was within 30 days ago. Be advised that I dispute the validity of the entire alleged debt that you are attempting to collect. Further, I request verification of the alleged debt, specifically, I request the following verification : ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including reporting to consumer reporting agencies ( CRAs ). If you are not aware, credit reporting is considered debt collection under the law. Promptly request deletion of all your credit reporting made to any CRAs about the alleged debt. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request ( s ) to CRAs to delete your reporting of the alleged debt. This letter shall also serve as a complaint to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this matter and receive any related information from you. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. 




cc : CFPB, XXXX XXXX XXXX, Washington, DC XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting money on stamps, and ink to send out my letter. Its been more than 60 days and not response via emailand i, really disappointed. the account in my credit report is inaccurate and unverifiable.. I am authorizing this complaint with proof of the disputes i sent out I need your help to review to REMOVE OR UPDATE these inaccurate informations immediately 1. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX Account number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 2. This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX XXXX Account XXXX As a consumer by law this account must be deleted immediately. 
3. Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX  Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed 4.Under 15 USC 1666B this is a billing error Date last active and date of last payment shows inaccurateacross all 3 bureaus his is an error this account in violation. 
XXXX XXXX XXXX  Account number XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
Received a text message just now. 
I do not own a XXXX XXXX XXXX  account. 
The text read : This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX XXXX, XXXX. account. Visit XXXX XXXX XXXX   or call XXXX. # of messages varies & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. Reply STOP to opt out Please let me know if you need anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
This item had been removed from my report, but on XX/XX/2022 it was put back on. The circumstances of the event do not change and the account is still not mine and needs to be removed. 
I believe the bank periodically bring the information back onto the report in an attempt to collect funds or which is happening in my case hurt the consumer that has already been victimized. 
Either way, its shameful and malicious. I have had a property sold that I was trying to purchase because this account has resurfaced and I have lost out on a transportation contract because my credit score has decreased because this account has resurfaced. This is not right, its hurtful, shameful and malicious.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently checked my credit report and I noticed some fraudulent and inaccurate accounts 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 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
I have tried to call MOHELA customer support on multiple different days, at different times of the day to verify that they received my complete PLSF application that I faxed in on XXXX XXXX, 2022. Once I got through their automated phone prompt system it would say " due to overwhelming response... we are unable to take your call ''. I tried to contact them via email, but that requires setting up an account and they wouldn't let me do that because my loans haven't been transferred from XXXX to MOHELA. Now that I've finally been put on hold ( instead of being kicked out of the system ), it's telling me my expected hold time is 195 minutes ( over 3 hours )!!!! That is obscene. They need to hire more customer service staff. I've dealt extensively with customer service at XXXX and XXXX and never had anything like this. The PSLF temporary waiver application is due by XXXX XXXX, 2022. I'm trying to do the responsible thing by verifying my application was received. The fact that I can't get in touch with MOHELA to do that is outrageous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: CA

Complaint narrative:
I HAVE DISPUTED THE FRAUD ACCOUNT WITH THE CREDITOR, THEY REMOVED THE ACCOUNT, BUT STILL SHOWING IN MY REPORT AGAIN. 

XXXX. XXXXXXXX XXXX  XXXX OPENED XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX OPENED OPENED XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation