vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX Subject : Complaint Against Wells Fargo , Plaintiff 's Attorney XXXX XXXX XXXXXXXX XXXX XXXX & XXXX XXXX XXXX XXXX NY XXXX and referee XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX for Violation of Due Process Rights in Foreclosure Auction ( Case No. XXXX ), and violation my consumer rights to PRIVACY & CONSENT. 

DEAR CFPB, I am writing to file a formal complaint against Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX, XXXX regarding their handling of the foreclosure auction of my property scheduled for XX/XX/XXXX, associated with case number XXXX. 

I. Violation of XXXX Real Property Actions and Proceedings Law Section 1351 ( 1 ) and CPLR 2004 The foreclosure process undertaken by Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX XXXX has failed to adhere to the required procedural steps as mandated by XXXX XXXX XXXX  Actions and Proceedings Law Section 1351 ( 1 ) and CPLR 2004. This non-compliance has resulted in a violation of my due process rights. 

II. Request for CFPB Intervention I respectfully request that the CFPB investigate these violations. Wells Fargo, XXXX XXXX XXXX XXXX the plaintiff 's attorney, and referee XXXX XXXX XXXX XXXX do not possess the jurisdiction to proceed with the auction of my property based on their procedural misconduct. 

III. Conclusion The actions of Wells Fargo, XXXX XXXX XXXX XXXX Plaintiff 's Attorney, and referee XXXX XXXX XXXX XXXX have not only disregarded legal procedures but also my rights as a consumer. I urge the CFPB to take immediate action to address these violations and to assist in halting the scheduled foreclosure auction. 

XXXX XXXX XXXX  WELLS FARGO CONTINUES TO SHOW UNCLEAN HANDS AND FRAUD UPON THE COURT XXXX XXXX XXXX 

XXXXAS A CONSUMER AND XXXX AS MY CREATORXXXX Thank you for your attention to this serious matter. I am looking forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX ) XXXX text or call CFPB ONLY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX was paid off XX/XX/year>. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with Trans union ( XXXX ) and XXXX ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX was paid off XX/XX/2023. They are reporting me 30 days late for XXXX ( not late and paid off ) and XXXX with XXXX XXXX ( XXXX ) and Equifax ( XXXX ) I can not be late in XXXX as I paid it off before Due date and in XXXX there was a XXXX balance. XXXX statement came out on XX/XX/XXXX and was paid off XX/XX/XXXX, so can not be late for XXXX. I would like this rectified immediately with the credit bureau's.I keep trying to have them fix it but they just say they are correct ( which clearly they are not ) and refuse to correct their erroneous information ( which they are legally liable to do ) which is affecting my ability to get credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IN

Complaint narrative:
Name : XXXX XXXX XXXX XXXX ) XXXX I originally applied for PSLF in XX/XX/XXXX with XXXX XXXX  XXXX. I sent several supporting documents as my previous employers ( PSLF approved employers ) did bot have a local HR office and directed me to verify my employment via XXXX without a response. The last correspondence I had with XXXX XXXXXXXX XXXX was XX/XX/XXXX. 

In XXXX of XXXX I believe my PSLF application was transferred to Mohela. I again requested what information was lacking. I was told employer verification. I explained the situation again and also sent in my IRS wage transcripts for the last ten years. 

In XX/XX/XXXX I received a denial on the account a signature page that was faxed in XX/XX/XXXX was cut off via the fax. I was told by a customer service rep to copy and mail in my original application which I have done and was documented received. 

When I now log into Mohela I am no longer able to access any of my previous uploaded documents or see an account status. When I call to get an update they do not have one, it has been mentioned by a customer service representative that I must have been approved. However I can not get an estimated date of an approval letter for PSLF when I ask them. 

My loan services was XXXX and is current XXXX. XXXX is unable to give me any information when I call to inquire on transition of loans if approved for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I reached out to inquire about the status of my payment, and their assurance that it had posted without the possibility of a refund turned out to be inaccurate. To my dismay, I incurred additional charges, including fees and interest, while my bank has no record of any attempt to collect from my account. 

Despite multiple attempts to rectify the situation, the company lacks online debit payment options, and the bank transfer process is not only inconvenient but also takes up to a week. This delay is adversely affecting my credit, adding to the urgency of resolving this matter promptly. 

Having engaged with a representative, I was led to believe that my payment was successfully processed. However, the discrepancy persists, and to compound matters, I discovered an unexpected and unjustified charge of {$210.00} on top of my initial payment. 

This unsettling scenario not only raises concerns about the company 's transparency but also suggests a potential fraudulent aspect to their dealings. I am deeply frustrated and troubled by this situation, and I implore the company to address and rectify these issues urgently for the sake of fairness and financial integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
I applied and was getting rental assistance from XXXX XXXX which they sent a link for XXXX to fill out. XXXX XXXX said he wasnt accepting it. Told me that if I give back possession of the property and return the keys before court date on XX/XX/XXXX, they were not filing eviction. I moved out on XX/XX/XXXX and my son dropped keys off before court date and time. I also emailed them to let them know to avoid the eviction filing. Company filed illegally regardless. I attached copy of the email they sent saying that statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting 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 non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : Violation of Federally Protected Consumer Rights- Request for Intervention I trust this letter finds you well. I am writing to bring to your attention a matter of grave concern regarding the compromise of my personal information due to the XXXX data breach. 

As I understand, you are already aware of the ongoing case related to this issue. I want to formally notify you that I am a victim of the XXXX data breach, and I have taken steps to alert XXXX about this situation. Unfortunately, my attempts to rectify the matter with XXXX have been futile, as they have not taken any action. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681, the list of accounts detailed below has violated my federally protected consumer rights to privacy and confidentiality. 

I seek your assistance in ensuring that my credit reports are accurate and free from any unauthorized or illegal entries resulting from the XXXX data breach. Please follow up and facilitate the removal of these items from my credit reports with either XXXX or TransUnion, as they may be reporting accounts that were included in the XXXX credit report. 

I want to emphasize that my information was sold and bought illegally due to the XXXX data breach, as confirmed by XXXX themselves. I am attaching proof of XXXX 's acknowledgment of my victimization in this data breach. Despite this admission, XXXX has not taken the necessary actions to rectify the situation. 

I hereby request your intervention to expedite the removal of these unauthorized and illegal accounts from my credit reports immediately. I am providing a list of the negative accounts along with their names and account numbers as reported on the XXXX credit reports for your reference : XXXX XXXX XXXX : # XXXXXXXX XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : # XXXX As per 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to modify accounts that are not reporting information correctly. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly states that 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. 

Thank you for your prompt attention to this matter, and I trust that your intervention will lead to the resolution of these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Subject : Violation of Federally Protected Consumer Rights- Request for Intervention I trust this letter finds you well. I am writing to bring to your attention a matter of grave concern regarding the compromise of my personal information due to the XXXX data breach. 

As I understand, you are already aware of the ongoing case related to this issue. I want to formally notify you that I am a victim of the XXXX data breach, and I have taken steps to alert Experian about this situation. Unfortunately, my attempts to rectify the matter with Experian have been futile, as they have not taken any action. 

In accordance with the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681, the list of accounts detailed below has violated my federally protected consumer rights to privacy and confidentiality. 

I seek your assistance in ensuring that my credit reports are accurate and free from any unauthorized or illegal entries resulting from the XXXX data breach. Please follow up and facilitate the removal of these items from my credit reports with either Experian or XXXX, as they may be reporting accounts that were included in the XXXX credit report. 

I want to emphasize that my information was sold and bought illegally due to the XXXX data breach, as confirmed by XXXX themselves. I am attaching proof of XXXX 's acknowledgment of my victimization in this data breach. Despite this admission, XXXX has not taken the necessary actions to rectify the situation. 

I hereby request your intervention to expedite the removal of these unauthorized and illegal accounts from my credit reports immediately. I am providing a list of the negative accounts along with their names and account numbers as reported on the XXXX credit reports for your reference : 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 As per 15 USC 1681i ( 5 ), consumer reporting agencies are mandated to modify accounts that are not reporting information correctly. Furthermore, 15 U.S.C. 1681s-2 ( A ) ( 1 ) explicitly states that 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. 

Thank you for your prompt attention to this matter, and I trust that your intervention will lead to the resolution of these violations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: WY

Complaint narrative:
On XX/XX/2023 I sent an email to Discover Executive Office of Financial Services requesting to have 5 % rewards included on monthly statements so I could keep track of my limit per quarter. The total rewards amount is clearly shown on the home page when logged in but trying to find the monthly amount allocated was impossible to find. I received an email from XXXX thanking me for my inquiry and informing me he would follow up. 
I then received a letter from Discover with 6 months of statements notifying me an investigation had shown when my account was opened, when the last credit card was issued and informing me Discover had reported my account to Credit Reporting Agency as disputed until I notified them otherwise. 

I was shocked as I merely requested the monthly rewards amount be included on monthly statements and never disputed my account or asked for an investigation of this sort. 

I then sent an email to XXXX XXXX, CEO and XXXX XXXX with the letter attached expressing my extreme dismay and dissatisfaction with the response I had received. I never disputed or requested an investigation of my account but merely requested the rewards be included on monthly statements. I explained how upset I was at such a response and wanted the dispute against my account lifted immediately. I asked how an employee of an organization such as Discover could be so inept with basic comprehension. 

Neither XXXX XXXX nor XXXX XXXX replied to my email, but I received a letter from XXXX explaining where the monthly rewards could be found on my account statement. He never apologized for his incorrect response to my initial request nor did he state the dispute had been lifted as I asked. 

Since I have a paperless account, I follow my charges on the homepage which does not include the monthly rewards. In order to find the monthly rewards, a customer has to open the pdf statement and scroll to the third page to find that information which is not convenient. However, XXXX should have simply said that initially and should never have instigated an investigation and dispute providing me with excess information I was well aware of and never requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am experiencing significant distress and frustration due to multiple fraudulent accounts appearing on my credit report. This situation is severely impacting my creditworthiness, which is critical as I am in the process of purchasing a home for my family. Despite numerous attempts, I have been unable to have these accounts removed. Compounding this issue is the fact that my personal information was compromised in recent XXXX and XXXX breaches. I had anticipated that my consumer report would be protected in the wake of such incidents, but this has not been the case. 

The presence of these fraudulent accounts is not only damaging to my financial reputation but also constitutes a clear violation of federal law, specifically under 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ), which mandates the fairness and privacy of consumer reports. My trust in the banking system and credit reporting agencies to uphold my privacy and ensure fairness has been severely undermined. This breach of federal consumer rights is causing me considerable emotional and mental distress.

Furthermore, it is unlawful for these companies to furnish personal information to third parties without consent. This act of negligence and fraud has been reported to both the local police department and the Federal Trade Commission. Given the severity of these violations, legal action against the involved companies and credit bureaus is a viable option for redress. The inaccuracies in your database are not only negatively affecting my livelihood but also placing me in an untenable position. I am prepared to initiate litigation if these erroneous items are not promptly rectified. Also please remove the two late payment 's reporting on my XXXX, and Transition credit repot as they are inaccurate and should be reporting all the same across all three credit reports please update and report as never late 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