vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Foreclosure sale is set for my house XXXX XXXX, 2024. I sent Wells Fargo request for mortgage assistance with my financials. I have been unemployed, and work is currently slow. I do not want to lose my home to foreclosure. I did not receive a foreclosure letter from foreclosure attorney or Wells Fargo. I was told by a person that knocked on my door my house was in foreclosure.

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 2024-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute Navy Federal Credit Unions actions related to my account. After opening my account and receiving statements from Navy Federal, I was informed that I would not be issued a card, my online account access was frozen, and I am now unable to fully access my account funds and services. These actions, which were taken without appropriate explanation or due process, have caused significant inconvenience and may violate my rights as a consumer.

Under 12 CFR 1005.6 ( Regulation E of the Electronic Fund Transfer Act ), financial institutions are required to provide transparent access and protect consumers right to access their funds in a fair and timely manner. By blocking my access to my online account without adequate justification or notice, Navy Federal may be in violation of these requirements. Additionally, 12 U.S.C. 5531 of
the Dodd-Frank Wall Street Reform and Consumer Protection Act prohibits unfair, deceptive, or abusive acts or practices by financial institutions. Blocking my access to funds after approving my account and sending statements constitutes an unfair and potentially deceptive action. Navy Federals decision to withhold a card and restrict account access after accepting my application and issuing statements gives the appearance of misrepresentation and undermines my trust as a consumer. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, Navy Federal has a responsibility to ensure the accuracy and integrity of information they provide to me and to
consumer reporting agencies. If my account activity is being reported inaccurately due to these restrictions, it further impairs my access to financial products.

I am requesting : 1. Immediate Restoration of Online Access and Full Account Access : Navy Federal should remove any restrictions on my account and restore my online access, as well as issue the card initially promised to me.

2. Written Explanation for Restrictions : Navy Federal should provide a detailed, written explanation of why my account access was restricted, why I was denied a card, and the legal basis for such actions.

3. Assurance Against Future Unjust Restrictions : I ask Navy Federal to outline the steps they will take to ensure my account access is protected, and to prevent any future occurrences of this nature. 

Please consider this letter as a formal notice that, if my access is not restored promptly, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB )XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and other relevant agencies for further investigation. 

Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution. 

Sincerely, CC : Consumer Financial Protection Bureau XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Im reaching out once again because as a consumer I firmly believe we should be protected by US LAW from criminal fraudulent activity and behavior from corporations. 

After I finally submitted the NAVIENTs School Misconduct Loan Discharge Application for my fraudulent private student loans from the criminal and fraudulent for profit XXXX XXXX, now Navient, after being banned from ever servicing Federal Student loans, sold their ilegal portfolio of fraudulent private student loans from criminal for profit institutions to ANOTHER COMPANY. 

Now a different company with a horrible reputation, XXXX, services my loan after I already paid the initial loan amount but still owe 2X that amount. Now my NAVIENT School Misconduct Loan Discharge Application becomes obsolete.

What happened to the FTC Holder Rule? 

Why were Federal Loans the only ones discharged when both Federal and Private were issued under the same fraudulent conditions? 

As a legal US consumer I feel harassed, threatened and coerced by a criminal corporation ( NAVIENT ) to pay for something I shouldnt be paying for. 

Navient gave me an ultimatum that if I dont pay by the XXXX of XXXX I will be sued, even though I was just informed my loan is no longer with NAVIENT but with XXXX. 

This is absurd and shouldnt be happening in the United States of America, its a disgrace. 

I was scammed by a for profit institution and now Im being coerced to pay for a fraudulent product by a criminal corporation.

We, thousands of defrauded students/consumers, need protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX Last XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX has ask clarity services to unfreeze my clarity report. I have written 3 letters with all verification documents to remove freeze and issue me a new PIN number seeing as I misplaced my old one. This is an affecting my credit worthiness an has caused me to miss employment opportunities because clarity services will not remove freeze..

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 2024-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL

Complaint narrative:
Subject : Urgent Dispute of Ownership and Request for Investigation Regarding Lexus XXXX Financing Dear CFPB Consumer Response Team, I am submitting an urgent request for your intervention regarding a dispute over the ownership and financial handling of a XXXX Lexus XXXX, financed through Lexus Financial Services ( Toyota Motor Corporation ) and purchased at XXXX Lexus in XXXX, Alabama. This vehicle was originally acquired as a lease on XX/XX/XXXX, and was later converted to an outright purchase as of XX/XX/XXXX. All payments have been completed in good faith, yet I have been unable to obtain the title, and Lexus Financial Services continues to assert a security interest. 

Summary of Issues and Request for Investigation Ownership and Title Release : Despite completing payments and satisfying all financial obligations, Lexus Financial Services has not provided the title to XXXX XXXX XXXX, the business entity that financed the vehicle. I have formally rescinded my signature specifically on the security interest, yet the company has not released the title, which should rightfully be in my possession. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, specifically 15 U.S.C. 1692g, Lexus Financial Services is required to validate any debt before initiating collection or asserting a security interest. I have requested validation, but they have provided only vague responses, failing to confirm key details about the debt and its origination. Given that the vehicle is paid in full, their continued claim on the title without validation is unwarranted and may violate FDCPA and UCC Article 9 provisions.

Request for CFPB Intervention : Given Lexus Financial Services ' refusal to respond appropriately and release the title, I am requesting that the CFPB urgently investigate this matter. Specifically, I ask for : Enforcement of the release of any security interest Lexus Financial Services retains on the vehicles title. 
Expedited assistance in obtaining the title to the Lexus XXXX for XXXX XXXX XXXX. 
Additional Documentation Enclosed with this letter, I am including the following : Rescission of Signature and Revoke of Securities interest in title in contract Copies of prior communications with Lexus Financial Services, including my formal rescission of the security interest signature. 
Payment records demonstrating that the account is satisfied and fully paid. 
The UCC filing asserting XXXX XXXX XXXX  ownership of the vehicle. 
Thank you for your immediate attention to this matter. I trust the CFPB will take action to ensure Lexus Financial Services complies with all federal regulations and restores my rights to the vehicle title. 

Sincerely, XXXX XXXX XXXX Manager, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Amount : {$25000.00}. 
Please see attached for proof of claim. 

15 U.S. Code 1666b - Timing of payments U.S. Code Bridgcrest is in violation of my federal rights by reporting late payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. ( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, title XXXX, XXXX ( b ) ( XXXX ), XX/XX/XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
On or about XXXX or XXXX of XXXX, Shellpoint Mortgage unnecessarily opened an escrow account for us without our consent or even any notice. Our mortgage was transferred to them without an escrow agreement. The agreement we have is that we pay {$510.00} per month for principle and interest ( see attached documentation ). We pay our insurance and taxes separately. When Shellpoint opened this escrow account we had already paid our insurance and taxes in full. Since that time, the company has been charging us more than the agreed rate. We have been paying this extra money and the company has told us over the phone that once they close this escrow account that this extra money will be applied to our principle. It has been a number of months since this has begun and the company refuses to close this escrow account, even though we have paid this extra money and our taxes and insurance have been paid in full. Shellpoint has also reported our mortgage account to be 30 days late to XXXX and our credit rating has fallen over XXXX points. They have published that our agreed payment is {$660.00} which is a number they have made up to include insurance escrow. We call them often and they act as if it is the first time they have heard about this and they give us conflicting info each time we call.

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 2024-10-28 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: NY

Complaint narrative:
I want Experian to remove the following addresses off my credit report : XXXXXXXX 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 explanation
Consumer complaint received 2024-10-28 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 require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: MI

Complaint narrative:
I am REWRITING to formally resubmit the complaint to EXPERIAN regarding inaccuracies in the reported data on my credit file and you are not taking action of removing them in my credit reports. The information in question is not verifiably compliant, proven valid, or fully documented as true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. My date of birth is XXXX, and the associated FTC report number for this complaint is XXXX. I have identified potentially false and unverified inquiries and accounts on my credit file that lack proper authorization from me. As a consumer, I am well within my federal and state consumer and civil rights to insist on the prompt removal of these items. I am initiating this consumer complaint and compliance check to address specific items being reported under FACTA Title 1 sec. 151, which unequivocally requires a thorough examination of the process. This serves as a formal dispute of information and reporting.

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 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I was sent an offer from Milestone ( concora ) Credit card. I was approved for a XXXX limit and charge XXXX for an annual fee. I used the card once and then they shut it down for suspicious activity. They asked for a copy of my drivers license. I paid {$15.00} to send it to them. I call them today they shut the card down and expect me to pay the XXXX for a card that THEY gave me FRAUDENTLY. They scammed ME out of XXXX. If I don't pay they are putting it on my Credit report. I am trying desperately to rebuild my credit and this company knows that the people they give these cards to all are so they scam you and then close your card no legit reason because I proved who I was. What am I supposed to do. I will pay them for the one item I was allowed to purchase but I am not paying the XXXX. The shouldnt have allowed that initial purchase but they are smart. They know they can XXXX you because they allowed this one purchase. This is fraud -- they should not be allowed to do this. There should be a class action suit and have to refund everyone XXXX XXXX XXXX XXXX. And rude- they are the rudest. They are taking advantage of people who are trying to change their situation. There should be repercussions ' for their fraudulently ACTIVITY..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
This letter is to formally dispute the validity of the alleged debt referenced above and to notify you of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Dispute of Alleged Debt : Pursuant to the FDCPA, specifically 15 U.S.C. 1692g, I am exercising my right to dispute this alleged debt. I am requesting verification of the debts validity, including but not limited to all relevant information proving I am responsible for this debt and that the amount claimed is accurate and legally owed. Until you can provide proper validation of the debt, I dispute its validity and any associated liability. 

Cease Communication : Under FDCPA Section 805 ( c ), 15 U.S.C. 1692c ( c ), I formally request that you cease all communications with me regarding this alleged debt. This includes all phone calls, emails, letters, or any other forms of communication to myself, my family members, or my place of employment. 

Compliance with the Fair Credit Reporting Act ( FCRA ) : If you have reported any information about this alleged debt to any consumer reporting agency, I request immediate investigation and verification of the accuracy of the information under FCRA guidelines. Failure to verify this debts legitimacy could result in inaccurate information being reported on my credit report, which would be a violation of the FCRA, and I reserve the right to pursue legal remedies if such inaccurate reporting occurs. 

Removal of Any Reporting on Unvalidated Debt : Should the debt remain unverified within the time specified by law, I request that all reports or entries about this alleged debt be immediately removed from my credit report. Reporting unverifiable information is in violation of FCRA Section 623 ( a ) ( 3 ). 
Please provide me with written confirmation that your agency has complied with these requests within the next 30 days. Failure to validate this debt and cease communication may result in further actions to protect my rights. 

1. XXXX XXXX XXXX - Account Number : XXXX Thank you for your prompt attention to this matter. 

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 2024-10-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
they have de activated and closed account held customer funds and refuse to refund the money to customer or release funds with no reason as to why they are doing this causing me to stop my jobs becaseu no funds to buy materails

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I believe I am Victim of ID theft pursuant to section 605B, Please remove the inquiries on my FTC reports

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-10-28 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: OR

Complaint narrative:
I have sent Equifax the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiry immediately. 

XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX XXXX XXXX XXXX- inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX

Company response to consumer: Closed with explanation