vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom This May Concern, A 90-day late payment was filed against me last week from XXXX XXXX  that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to XXXX XXXX  ( ALSO KNOWN AS XXXX XXXX  XXXX. I had reached out to XXXX  XXXX, and they stated that my loan was in fact sold to XXXX XXXX  back in XXXX/XXXX  and I should have received a notice from XXXX XXXX  also and provided me with XXXX XXXX  account number. I had reached out to XXXX XXXX  on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. 

- The representative from XXXX XXXX  had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXX XXXX is XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. The correct city should be just XXXX, and the correct zip code should be XXXX. 

- The representative from XXXX XXXX  had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. 

- The representative from XXXX XXXX  had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in 7-10 business days. I have not yet received an update on the dispute result. 

- The autopay Ive setup with XXXX XXXX was never carried over to XXXX  XXXX  which results in the late payment and since XXXX  had the incorrect contact and mailing address I was never notified. 

- No email/letter/phone call was made from XXXX  XXXX  regarding the selling of the loan to XXXX XXXX  - No email/letter/phone call was attempted by XXXX XXXX  regarding the purchasing of the loan from XXXX  XXXX. 

- I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX 

- I have filed a dispute with XXXX and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a 90 days past due balance and nothing was fixed, my credit score is still at XXXX. 

- All three credit bureaus should have the 90 days past due from XXXX XXXX XXXX  removed and my credit score should be back to XXXX points. 

- XXXX still shows my balance with XXXX Open. with 90  days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. 


Best Regards, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom This May Concern, A 90-day late payment was filed against me last week from XXXX XXXX  that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to XXXX XXXX  ( ALSO KNOWN AS XXXX XXXX  XXXX. I had reached out to XXXX  XXXX, and they stated that my loan was in fact sold to XXXX XXXX  back in XXXX and I should have received a notice from XXXX XXXX  also and provided me with XXXX XXXX  account number. I had reached out to XXXX XXXX  on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. 

- The representative from XXXX XXXX  had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXX XXXX  is XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXhe correct city should be just XXXX, and the correct zip code should be XXXX. 

- The representative from XXXX XXXX  had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. 

- The representative from XXXX XXXX  had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in 7-10 business days. I have not yet received an update on the dispute result. 

- The autopay Ive setup with XXXX  XXXX  was never carried over to XXXX  XXXX  which results in the late payment and since XXXX  had the incorrect contact and mailing address I was never notified. 

- No email/letter/phone call was made from XXXX  XXXX  regarding the selling of the loan to XXXX XXXX  - No email/letter/phone call was attempted by XXXX XXXX  regarding the purchasing of the loan from XXXX  XXXX. 

- I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX. 

- I have filed a dispute with Experian and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a 90 days past due balance and nothing was fixed, my credit score is still at XXXX. 

- All three credit bureaus should have the 90 days past due from XXXX XXXX XXXX  removed and my credit score should be back to XXXX points. 

- Experian still shows my balance with XXXX XXXX. with 90 days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. 


Best Regards, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sessoms & Rogers, P.A.
State: NC

Complaint narrative:
Requested validation of this bill, received statements and contract between XXXX and XXXX funding. Received a letter from attorney stating that They did not have to give me a signature on anything and turned around and filed with my local court a Civil Summons. I am trying to get the validation on this account. I have tried to dispute online with DMV funding also by now I dont believe that the attorneys are correct in telling me they do not have to produce my signature on a contract I need for the consumer financial protection bureau to intercede for me, and correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I was given false and inaccurate information about my finance charge and was told I had to pay {$20000.00} on a consumer credit transaction, after approval pursuant 15 U.S.Code 1605 Determination of a finance charge being the sum of all charges when in connection with a Consumer Credit Transaction,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am writing to file a complaint against XXXX ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with XXXX for a payment deferment on my car loan. However, despite this agreement, XXXX has reported my loan payments as late to credit reporting agencies, causing damage to my credit score and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), XXXX is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, XXXX is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that XXXX be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I, XXXX XXXX, am writing to file a complaint against XXXX ( formerly, XXXX ) for violating the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ) in relation to the inaccurate reporting of my car loan payments. 

I entered into a written agreement with XXXX for a payment deferment on my car loan. However, despite this agreement, XXXX has reported my loan payments as late to credit reporting agencies, causing damage to my XXXX XXXX and hindering my ability to utilize the banking system fairly. 

In accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), XXXX is required to report my loan payment history with accuracy and fairness, and to take appropriate steps to resolve any disputes regarding the completeness or accuracy of the information provided. 

Additionally, the FCBA, 15 U.S.C. 1666 ( a ), requires that credit card issuers and other creditors accurately report account information to credit reporting agencies. Furthermore, XXXX is in violation of the FCRA, 15 U.S.C. 1681s-2 ( b ) ( 1 ) & ( 2 ) and FCBA, 15 U.S.C. 1666i, which indicate that upon a written and signed deferment agreement between the lender and borrower, the payment history is supposed to be current without any late payments. 
I respectfully request that the Consumer Financial Protection Bureau take immediate action to correct the inaccuracies on my credit report, and that XXXX be held accountable for their failure to report my loan payments in accordance with the law. Specifically, I request that my credit report be updated to reflect the " current status- never late '' and that any late payment history be deleted from my credit report based on the deferment agreement. 

I look forward to your prompt attention to this matter and I am available to provide any additional information or documentation that may be required. 

Sincerely, 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 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I wanted to sell the house because I became injured at work and started falling behind on payments. Wells Fargo refused to allow me to initiate a sell because my husband had an IRS lien even though the mortgage was in my name only. My husbands name was placed on the deed after the house was purchased. I had XXXX  XXXX in XXXX and was forced to retire so I fell behind on payment eventually foreclosing on the house in XXXX and I am still unable to get any type of mortgage for at least two more years

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 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
Portfolio Control Inc. Continue the harrassment by texting & calling me and asking for XXXX XXXX XXXX I do not know this person and they have wrong phone number and continue to make calls and texts message after asking them to remove my numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have applied for Loan Modification for my house at this address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but they stated that they can not approve it because I dont have a default payment. Wells Fargo CSR told me not to pay my mortgage payment in order to have a default payment and get approved. However, when I started not to pay my mortgage, they always telling me to wait and faxed them some documents. Every time I called them, they stated that its not approved yet and asked for more documents as they did not receive it since I faxed it inside Wells Fargo Bank. Until I missed paying 8 months, then they told me that they will foreclosure my house on XX/XX/XXXX. 
My sister told me that she knows a Real Estate Agent by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who handle Loan Modification through their Attorney. I negotiated with them and paid them. They wrote a letter to Wells Fargo and they gave me a trial period of three months, paying {$1900.00} to Wells Fargo to avoid the Foreclosure. I started paying WF on XX/XX/XXXX ; however, Wells Fargo returned our payment for XXXX as they told me that the house was foreclosed. My attorney tried to negotiate but he failed. Wells Fargo foreclosed my house on 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 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was out of the country unable to cross the closed Covid XXXX border I was very sick with XXXX! my WELLS Fargo account was over drawn by maybe max {$200.00}. They closed my account despite me telling them I was forwarding money. Upon receipt of my money they returned it closed account I called and explained my situation and told then I would deposit money asap. They closed it without reason cause. They call me on A computer call many times a week to collect the overdraft. I told the phone callers I had and did send a letter asking them to reconsider their cruel actions but no response. They were ruthless! I like Wells Fargo and believe it was actions by a over XXXX  collections department. I want my account back

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 2023-01-24 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It has been bought to my attention by XXXX XXXX XXXX that my very personal and identifying information such as my personal email address and my social security number has been found on the Dark Web, compromised. This poses a severe threat of fraud possibilities and it gives reason for poor and untrue credit ratings. There are inquiries that don't belong to me, etc. I would like my account protected and my information secure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a BJ 's MasterCard in XXXX of 2022. I used it for gas at BJ 's XXXX. I went to make a payment and you could not make a payment through the website, it kept saying " Page not found ''. When I finally made the payment it must have been after their time limit for the date it was due, and the next month I received a late charge. I paid that even though I didn't think I should have cuz it was not my fault, but I paid it along with a note saying I wanted to close the charge and it was written on XX/XX/2022. In XXXX I got a bill for {$55.00} on that closed BJ 's MasterCard. Without my approval, they charged a {$55.00} charge to renew my BJ 's membership which I was not going to renew, to my credit card that had been canceled XXXX months prior to that date. Now apparently my credit score went down about 70 points and although they have credited to a XXXX balance on the BJ 's credit card, it's still affected my credit. My question is, how could a company be allowed to charge on a closed charge account without the owner 's permission. I called the credit bureau, XXXX XXXX, and they said it just takes time for my credit to go back up. Is there anything you can do to stop this company, comenity Bank from doing this to other people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 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 confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, XXXX XXXX OF XXXX # XXXXXXXX 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 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
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: University Lending Group, LLC
State: FL

Complaint narrative:
This letter is in regards to University Lending Groups servicing of a XXXX XXXX loan taken out on XXXX XX/XX/XXXX. Throughout the process there have been numerous delays in construction although we are nearing completion. The servicer of my loan has been a primary source of the delays from the start although there have been supply chain delays and XXXX related delays as well. I have had to take out multiple additional loans after the bank said they would allow a necessary changes but would not pay out once they were done. This resulted in several weeks of delay due to having to find a money source. The renovation originated to bring the home up to XXXX standards to meet my needs as I am a XXXX veteran. They are now saying that I will be in default at the end of this month although I have paid the mortgage consistently and have made every good faith effort to complete construction. They are not following the XXXX XXXX change in XXXX of XXXX allowing up to 15 months and, in rare cases, 18 months. The time-line problems and the servicers refusal to distribute the mortgage as needed have put my ownership of the home into jeopardy as I can not refinance for a new mortgage due to the loans I have had to take out as a result of them not distributing the funds. Finally, they are refusing to distribute funds for a generator that was an oversight. The wiring is set up for a home generator but was not noted on the plans. This generator is a medical necessity as I must have assisted breathing requiring constant electricity. How do I get the bank to comply with the XXXX XXXX guidelines and distribute the funds as I can barely afford the home at this point due to all of the loans I have taken out in addition to the mortgage? Additional details and medical documentation are available upon request. Please assist me in this matter. My information is as follows : Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
I have received several mailings via USPS and phone calls and duplicate reports to the credit bureaus in reference to these alleged debts : Spring Oaks Capital LLC - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have requested many times that the debt be validated and only received a response saying that it's validated but I have no idea who validated the debt or how it was validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: TX

Complaint narrative:
My information was impacted by the Equifax data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TransUnion, please delete my CLOSED credit cards on file, XXXX. XXXXXXXX XXXX XXXX reported on XX/XX/2022 XXXX. XXXX XXXX - reported on XX/XX/2022 XXXX. XXXX XXXX Services - reported on XX/XX/2022 My main address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and PLEASE ALSO DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief