vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed this inaccurate account multiple times in XXXX, and I see now XX/XX/XXXX this account has update and modified itself after my XX/XX/XXXX dispute, which still did not address the inaccuracies! The XXXX account is violating : 1 ) 15 U.S.C 16801 accuracy and fairness of credit reporting 2 ) 623 5 ( a ) duty to provide notice of delinquency of accounts- that it is to be reported to the agency of the date of alleged delinquency on the account, which shall be the MONTH AND YEAR ; not continue to report over and over for however long or up until 7 years!

3 ) 15 U.S.C 6801 protection of nonpublic personal information, the financial institution are suppose to protect my personal information, not give it out without my permission 4 ) 15 USC 6802 obligations with respect to disclosing information, 3 disclosures forms were never given to me 5 ) The Heros Act Section 110401 has also be violated, during COVID-19 consumer reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: VA

Complaint narrative:
I cant believe I need to wait for more than 45 days just to see that there is nothing Transunion done with this dispute. Am I being ignored? This causes me stress seeing that these accounts that isn't mine is on my report and damaging my credit. I patiently done a dispute with them but this is too much.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Arizona XXXX XXXX ( XXXX XXXX ) {$510.00} closed XXXX XXXX XXXX XXXX XXXX XXXX  ) $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} closed XXXX XXXX XXXX XXXX XXXX XXXX ( paid in full ) XXXX XXXX XXXX XXXXXXXX ( paid in full ) 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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
A client was approved for financial assistance through the XXXX XXXXXXXX for Homeowners ( HAF ) program. On XX/XX/2022, the state disbursed XXXX to Mr. Cooper to make the client current on his mortgage payments. As of today, Mr. Cooper has not posted the payment. The client has contacted Mr. Cooper several times and has gotten no resolution to this payment. Today, I had a phone conversation with a representative from Mr. Cooper who works in the loss mitigation department. He told me there is no record of any payment ever being sent and he would request an investigation, but they would need information from us first. Unfortunately, he didn't know what information would be needed, so he would get back to us. 
The payment that was sent by the state made the client current through XX/XX/2022. When he tried to make his XXXX payment, Mr. Cooper would not accept it, they now are requiring XXXX months of payments, not XXXX. This client is trying to recover financially from his XXXX experience and requiring XXXX payments instead of XXXX is making it harder for him to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
This is my 3rd complaint filed against Caliber. On XX/XX/XXXX my mortgage was transferred to affiliate company XXXX. Since the transfer date, it has been very difficult for payments sent and confirmed they were sent by XXXX to be transferred to XXXX. These two companies are connected and any correspondence is easily relayed regarding these complaints. However payments being transferred is a different story! According to XXXX both XXXX XXXX payments were sent to Caliber both on the first of each month. I have sent in an escalation to XXXX in regards to missing payments in XXXX. I was notified that XXXX received one payment from Caliber on XX/XX/XXXX and was in the process of posting it. They never posted the payment until XX/XX/XXXX. When a payment was posted and applied to XXXX. I am still unsure if this was a transfer payment sent to Caliber for XXXX or a current payment sent to XXXX for XXXX. Shellpoint Customer service is unsure?? According to XXXX customer service they state their hands are tied as to where XXXX payment is and when it will be transferred and also XXXX payment. They confirmed they have escalated this issue to Caliber as to missing payments not being transferred and advised it can take up to 60 days for everything to smooth out and payments being posted. It has been over 60 days and Im now receiving a threatening letter from XXXX for foreclosure if not paid by XX/XX/XXXX. This is unreal as it was not an issue to post these payments prior, they may have been posted late towards the end of the month but were eventually posted with no issue. Now that they transferred mortgage to there affiliate company ( due to me being on XXXX assistance ) they have lost the payments and no one in both companies can find. Not only will I be filing this complaint, I will also be filing a complaint with The Department of Treasury, for misuse of funds, the XXXX  and also my State Senator!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: PA

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT NUMBEROUS TIMES WITH THE CREDIT BUREAUS THIS IS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I HAVE DISPUTED THIS ACCOUNT NUMBEROUS TIMES WITH THE CREDIT BUREAUS THIS IS NOT MY ACCOUNT

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have bank accounts with Wells Fargo Bank dating before 2011 to the present as an individual and with my children. I experienced account closures, overdraft fees, transaction fees, and access fees related to state inquiries that were not fairly resolved as part of the bank 's practices and my individual complaints. My complaint this time is a settlement announcement was recently published ( https : XXXX ) that was dated years ago according to a WF Bank representative contacted at XXXX. According to the bank representative, customers affected were notified years ago and the article was published today is misleading. I'm fed up with account fees and penalties created by the banks predatory practices that regulators are ineffective too control with their authority to influence better banking practices.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo recently settled with the CFPB for {$2.00} XXXX in damages to account holders due to illegal practices. Since opening my checking account with them in 2012, I have received numerous surprise overdraft fees. After filing a complaint with the executive department to receive proper compensation for these fees, Wells Fargo closed my complaint and refused to follow through and abide by the settlement.

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 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
They was taken my money

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: FREEDOM FINANCIAL NETWORK
State: CA

Complaint narrative:
we signed up with freedom debt relief to help resolve our debts. we paid into an account from which freedom debt relief was to settle our debts. other than paying a monthly fee when freedom debt relief negotiated a settlement with a law firm representing XXXXXXXX XXXX. freedom debt relief charged us {$3500.00} as a fee immediately upon agreei g to settlement. Freedom debt relief took the {$3500.00} from our account long before the agreed upon debt was settled. the other issue is that once we paid freedom debt relief fee and negotiated debt we would ow more than the initisl debt. 
We terminated our association with freedom debt relief because of this unethical practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Movement Mortgage LLC
State: CO

Complaint narrative:
Mortgage Company : Movement Mortgage XXXX XXXX From : XXXX XXXX and XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CO XXXX Escrow payments are too high. With the exception of XXXX XXXX escrow amounts are well beyond the two month cushion rule. They are withholding amounts leaving a balance as follows below. They will not respond. 
XX/XX/XXXX Escrow Balance is {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00} ( this is the escrow payment I am charged each month. 
XXXX escrow balance {$1400.00} XXXX escrow balance {$1800.00} XXXX taxes due of {$1100.00}, which will leave a balance of {$1000.00} after the XXXX escrow payment of {$390.00}. 
XXXX escrow balance {$1400.00} XXXX escrow balance is {$1800.00} XXXX insurance payment of {$1500.00}, which will leave a balance of {$650.00} in the escrow account. Which is not quite a 2 month cushion assuming their escrow payment per month of {$390.00} is right. 
Then in XXXX and XXXX of each year tax payment of {$1100.00} are made, and insurance is paid in XXXX of each year of {$1500.00}. 
Escrow balances starting in XX/XX/XXXX and each month thereafter, with each escrow payment from us of {$390.00}, and the taxes and insurance payments are as follows... 
XXXX, XXXX $ {$1000.00} XXXX, XXXX {$1400.00} XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1800.00} ( tax payment ) XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$1400.00} ( insurance payment ) XXXX, XXXX {$1800.00} XXXX, XXXX {$2200.00} XXXX, XXXX {$2600.00} XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) XXXX, XXXX {$3000.00} XXXX, XXXX {$3400.00} XXXX, XXXX {$2600.00} ( tax payment ) The escrow balance keeps rising until XXXX of XXXX they are holding {$5400.00}. With one exception, their escrow amounts required of me are far more than a 2 month cushion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 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: RI

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. 

XXXX XXXX, account # XXXX, XXXX Mortgage, XXXX, account # XXXX, XXXX XXXX XXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX Bank XXXX account XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A states that I have a right to privacy, additionally ; 15 U.S.C 1681 section 604 ( a ), ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 section 623 ( 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 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 2023-01-23 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: RI

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A states that I have a right to privacy, additionally ; 15 U.S.C 1681 section 604 ( a ), ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. section 605 ( a ) ( 5 ) 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 section 623 ( 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 2023-01-23 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: DISCOVER BANK
State: AZ

Complaint narrative:
I got an email alert from XXXX about a hard credit check done by Discover Financial Services. I did not apply for any credit from Discover nor approve a hard credit check by Discover. I called Discover and they had no record of a credit check. I called XXXX and they did confirm a credit check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have been disputing this inaccurate account with Genesis Credit for some time now. i sent them a letter asking for validation of debt and I received documents back with someone else 's information on it. Attached to the debt they claim I owe is a social security number that does not belong to me. Here is the tracking XXXX XXXX XXXXXXXX XXXX XXXX. How can they report this account on my credit reports and state that this debt is valid if they do not even have my correct information? How do they know that this account belongs to me? I demand that this account is deleted from my credit reports now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Throughout my years with Wells Fargo I have experienced several delays in deposits and transfers, when I was low funds I was immediately given overdraft fees without any grace periods and Ive also dealt with fraudulent withdrawals and links and a frozen card even when I had funds available. Customer service has never been incredibly helpful in fixing any of these issues.

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 2023-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I lost my home to foreclosure forced by Wells Fargo. They forced me into default over refusing house payments. Refused to allow a finance company I signed up with to escrow taxes and insurance and pay off taxes to Wells Fargo they stated they paid. They refused to modify loan saying XXXX XXXX would not allow it. That was because XXXX XXXX investigated and learned Wells Fargo had provided me with a predatory loan. XXXX XXXX forced Wells Fargo to buy back all their predatory loans sold to XXXX XXXX. Mine was one of them.I tried again for a modification knowing I had a predatory loan and could not afford a lawyer to help me get my money back or get a new loan.Wells Fargo sold my loan they had to buy back from XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. The new servicer was XXXX XXXX who pushed for fast foreclosures on discount properties sold by Well Fargo. Those properties and loans were those they had to buy back due to them being predatory and fraudulent loans. The victims are the homeowners who lost their homes.. Wells Fargo collected from insurance, XXXX XXXX and homeowners. The results were, I lost our home and to date am renting at high cost. I lost my investment of XXXX. Paid to Wells Fargo for a loan that was set to take my money and home by Wells Fargo who did enrich themselves, causing me complete loss and my family and I am still suffering from the damages. I have never been compensated by Wells Fargo for causing this harm to my family and i.

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 2023-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I have been discriminated by HUNTINGTONBANK because Im of XXXX XXXX XXXX XXXX decent. 
On XX/XX/22 I received a checklist from XXXX XXXX, ( Assistant Vice President Small Business Relationship Manager # Business Solutions Team Phone : ( XXXX ) XXXX ) he asked me to submit : A professional summary, complete business plan with 12 MONTH financial projections, project costs, 2 year tax return, and personal financial statement. 
I submitted all completed documents by XX/XX/22, XXXX XXXX then reviewed and assured me all looks good, then submitted them to Underwriting. On XX/XX/22 Underwriting responded saying they needed an Id for verification, I forwarded my Id to XXXX. 

On XX/XX/22, XXXX requested additional documents such as, now 3 YEARS XXXX XXXX, and 20 % non- borrowed equity injection {$18000.00}. 
On XX/XX/22 I submitted the remaining documents, including bank statements. 
XX/XX/22 I received a call from XXXX saying that my application had been denied because the following : I have a felony, my credit score is XXXX and collections on my credit. 
This information is absolutely false!!! I have never had a felony on my adult record! ( For it is Illegal to investigate juvenile records ) My juvenile record has been expunged. My credit report was ran 3 times by Huntington bank which dropped XXXX, and I have absolutely no collections on my credit report. I actually just purchased a {>= $1,000,000} home 6 months ago so there is no way I could be in collections or have a felony.. Huntington bank is advertising loan programs to minorities and low income consumers yet deny the loans based o! lies! 
I believe this is a XXXX strategy to lower minority credit scores, and still appear to be a aid to our communities. 
Also, adding additional information as they see fit, not according to any rules or standards. This type of unethical business practice needs to be banned and prosecuted!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is calling me about a debt I was completely unaware of having. The bills and debt collections were being sent to my parents address and not my address. My mother handed me a stack of mail that had all of the bills from the originator and the letter for the debt collector which I am wanting to dispute. I am happy to pay the debt but would like to have this removed from my credit report due to the bills going to the wrong address.

Company response to consumer: Closed with explanation