vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 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: NAVY FEDERAL CREDIT UNION
State: IN

Complaint narrative:
I just noticed a hard credit inquiry from Navy Federal Credit Union on XX/XX/2023. There was no direct benefit or authorization for Navy Federal Credit Union to access my personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: TN

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

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 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
We entered into forbearance in XXXX of XXXX due to the impact of Covid. Most companies were closed and not buying furniture and supplies. My husband is in sales. Our income drastically decreased and we did all that we could to make ends meet but ultimately had to enter forbearance. We were told by Mr. Cooper ( Mortgage Lender ) that we would have 3 options once our forbearance period ends. 1 : Pay back the lump sum of missed payments. 2 : Pay back the sum of what is owed over XXXX months along with the monthly payments. XXXX : Apply for Mortgage Modification. ( We understood this could change the terms of our loan. ) We decided to apply for Mortgage Modification as the other options were not within our means. We were denied by our Mortgage Lender, Mr. Cooper. We were then told we only had one option and that was to pay our passed payments totally {$30000.00} in full by XX/XX/XXXX. 

These were not the conditions we were told when we went into forbearance. This sounds incredibly fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I have a General Power of Attorney to make decisions on behalf of my husband, who is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  or sign documents ( documented appropriately by his physician ). On Thursday, XX/XX/XXXX, while preparing for the inevitable, I went into my local Wells Fargo bank where my husband and I hold a joint checking account, and asked to remove his name from our account. This was done at the advice of my attorney, in preparation for submitting a Medicaid application, part of which requires my husband to not have any accounts aside from his new account under a Miller Trust. Wells Fargo refused to recognize the Power of Attorney and refused to remove his name from our account, citing that the Power of Attorney does not specifically state that it covers changing ownership of accounts. They would allow me to close the account, but not change ownership of the existing account. 

I consulted the attorney who prepared our Power of Attorney documents, and he contacted the Wells Fargo legal department, which continued to refuse to honor the Power of Attorney document. Our Powers of Attorney are verbatim from the Iowa Uniform Power of Attorney Act, Iowa Code Chapter 633B, section 301 ( Forms ). The Iowa Code Chapter 633B section 208 ( Banks and other financial institutions ) grants the POA holder the authority to " [ c ] ontinue, modify, and terminate an account or other banking arrangement made by or on behalf of the principal. '' I was essentially forced to open a new account in my name alone, and spend hours updating our bills and credit cards with the new account information instead of making the most of the time I have left with my husband. While I was out running around town fighting with the bank and talking with the lawyer, my husband had his best most alert and interactive day in the XXXXXXXX XXXX in a long time, and I was not able to be there to share it with him. He has since taken a significant turn for the worse and will not likely recover to even his previous XXXX XXXX 

I filed a complaint with the bank, and their complaint department responded and acknowledged the Power of Attorney authorities granted under Iowa law, but the Wells Fargo legal department continues to reject my authority to remove his ownership of financial accounts. 

Wells Fargo refuses to honor the full authority of Power of Attorney documents valid under Iowa law and their actions are unnecessarily complicating our Medicaid application process and jeopardizing his approval, upon which we rely for his continued care.

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 2023-10-21 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Roadrunner Account Services, LLC
State: CA

Complaint narrative:
I received an offer for financing through a third party for a vehicle but was denied because my profile number was below their margin I then asked to speak with the underwriters and kindly explained the them that it was against statutes to deny a person credit on their own account as I had already given the XXXX number to them but the conversation ended and I was unable to receive credit for the purchase of a new vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
This is a follow up to the complaint I filled with CFPB on XXXX complaint XXXX XXXX, I was contacted by BOA Resolution Specialist, XXXX XXXX XXXX XXXX 
BOA modification department requested additional information which I have timely submitted and they are in a satisfactory standing by BOA, however, BOA is coming back asking for additional new information that are totally unrelated to the my loan mortgage modification such as for example, I have to prove that my wife is living with me in the same house? Unbelievable request, yet I did provide the additional information to verify that, I have also submitted more financial information over and above what they asked for, which is satisfactory to BOA Yet I am still getting phone call messages form BOA for additional, frivolous, demeaning, intimidating and insulting information that are being fabricated to induce delay. I have written a detail letter to XXXX XXXX that I am enclosing with my complaint f.or your review At this point, it is very clear to me that BOA is delaying the inevitable modification by keep increasing my loan amount and pressure me into accepting a marginal modification offer that I will have to accept in order to stop the clock, again, a predatory tactic. BOA keep asking for more and more totally irrelevant information and documentation that are unrelated to my loan modification, in the meantime my forbearance amount keep adding up with the higher and not modified monthly payment eating up my equity and increasing my loan.

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 2023-10-21 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: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$1000.00}

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 2023-10-21 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: NJ

Complaint narrative:
This is multiple request that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the listed items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I would like to place a Fraud alert in my account. Someone has been attempting to obtain a car loan under my name and its frustrating. Please have any company call my number XXXX before running or opening any accounts under my good name. Inquiries were the following : 1. XXXX XXXX XXXX ( XXXX XXXX ) 2. XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) 3. XXXX XXXX XXXX XXXXXXXX XXXX ( XX/XX/ ) 4. XXXX XXXX ( XXXX ) 5. XXXX XXXX XXXX XXXX  ( credit was run 4 times by this company 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 2023-10-21 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: FL

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I lost my card on or around XX/XX/2023. I immediately called in and reported my card as lost as with Citi Best buy I do not have an app or purchase alerts. They also do not have a friendly mobile website. I reported my card lost right away the same day I realized it was lost. The charges occured in XXXX which is not a city I live in. The charge continued to occur up to 30 or more miles from my home address. I do not travel and am not traveling to " shop ''. I have more than enough proof i was not no where near where the charges occurred and will not pay for unauthorized charges when the credit card was lost and not in my possession.

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 monetary relief
Consumer complaint received 2023-10-21 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: NY

Complaint narrative:
I spoke with XXXX XXXX. They waived fees and confirmed I have {$0.00} balance. 
Yet the 3 credit bureaus keeps showing my payment on two XXXX XXXX cards are past due of 60 days. The balance are XXXX there is nothing to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I spoke with XXXX XXXX. They waived fees and confirmed I have {$0.00} balance. 
Yet the 3 credit bureaus keeps showing my payment on two XXXX XXXX cards are past due of 60 days. The balance are XXXX there is nothing to pay.

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 2023-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a letter to the XXXX Credit Bureaus o update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXXXXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX XXXX Balance : {$700.00} ; XXXX XXXX XXXX Balance : {$1900.00} ; XXXX XXXX Balance : {$2500.00}.

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 2023-10-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
To Whom This May Concern ; The organization known as Affirm uses very unethical and manipulative tactics while they employ very unprofessional individuals as it pertains to their installment loan tactics. This includes their " supervisor '' being verbally abusive, unprofessional, and using threatening language while stating very untrue facts. Allow me to explain : I had called this organization during the week ending XX/XX/XXXX inquring as to why my XXXX XXXX loan had been charged off. After asking for the call to be escalated due to a very rude CSR, I got this Supervisor on the phone whom utilized very condescending and unprofessional verbiage while stating untrue facts stating there were emails sent warning me of an impending charge off ( NEWS FLASH! NEVER WAS SENT ) When i stated that i had previously called and let them know i was struggling, this organization stated not their problem and nothing could be done to help. 

As such, I have emailed the organization thru their website a formal Dispute of Validity as it pertains to their claims as I am permitted to do under FLA Statute 559.72, which deals with 1st party debt collectors such as Affirm. The supervisor thought i was joke and all but came out and said even after i stated i could retain a XXXX bar certified debt collection atty to see what civil remedies I have available due to the blatant harassament of this supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
On XX/XX/2023, I contacted NewRez, LLC, regarding an overpayment of property taxes. Upon reviewing NewRez 's annual escrow statement, I noticed they had made property tax payments for both parcel XXXX and parcel XXXX. My wife, XXXX XXXX, and I own both parcels. NewRez holds the mortgage on parcel XXXX, which is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX holds the mortgage on parcel XXXX, which is located at XXXX XXXX XXXX, XXXX, XXXX XXXX. 

It has come to my attention that NewRez, LLC and XXXX XXXX XXXX have made duplicate county tax payments for parcel XXXX for the past three years. I have provided ample documentation to NewRez, LLC to show that they are paying taxes erroneously for parcel XXXX, but they have not yet resolved the issue. Despite my efforts, NewRez, LLC issued another erroneous payment for parcel XXXX on XX/XX/2023. 

NewRez, LLC has repeatedly closed my inquiry without notice or resolution, leaving me frustrated and uncertain about the outcome. Their lack of communication and action is unacceptable and has caused me unnecessary stress and inconvenience. I urge them to take immediate action to address my concerns and promptly resolve this matter.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief