vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-22 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: CA

Complaint narrative:
I seek your assistance regarding the financial losses I experienced from the XXXX mortgage crisis. During this time, I lost my first and only home in New Jersey. The property was initially financed through Countrywide and acquired by Bank of America. My total losses, including the purchase price and significant upgrades to the home, are estimated to exceed {$280000.00}. 

As a XXXX XXXX with a XXXX XXXX XXXXXXXX rating, having served during XXXX XXXX, I dedicated my life to XXXX XXXX XXXX Unfortunately, during the class-action lawsuit against Bank of America , I was XXXX in XXXX XXXX XXXX which left me unaware of the timelines and processes for seeking restitution through this legal action. 
This home represented much more than a financial investment ; it was a cornerstone of my stability and independence after years of service. The loss has exacerbated my XXXX, which is a significant aspect of my service-related XXXX. I am now looking to purchase another home and would greatly benefit from recouping the funds I invested in my first property. A reasonable down payment from these recouped funds would significantly assist me in achieving this goal. 

I respectfully request that your office review my case and inform me of any state or federal programs, ongoing settlements, or legal avenues that might help me seek compensation from Bank of America. I am prepared to provide documentation to support my claim, including purchase records, receipts for home improvements, and correspondence related to the foreclosure process. 

As a citizen and a veteran, I trust your office to advocate for individuals like me affected by systemic financial misconduct. Your guidance and support in this matter would greatly benefit me.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
The inaccuracies on my credit report are absolutely damaging and reflect accounts that do not belong to me. I am outraged that multiple complaints have resulted in no action whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you. These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-11-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed a copy of my credit report and noticed some accounts that are the result of fraud I also noticed some inquiries from hat are a result of the fraudulent account please block the following accounts and inquiries Accounts XXXX # XXXX {$1500.00} XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX {$600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/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 2024-11-22 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: TX

Complaint narrative:
I keep receiving calls from someone claiming to be representing Wells Fargo, saying that I owe over a XXXX dollars from an account that I haven't used in XXXX years. I called and spoke with Wells Fargo, and they assured me that it was a scam, and that they would never call and try to receive payment over the phone. What is bothering me is the person claiming to be from Wells Fargo knew my address and full social security number. How do I make sure that my personal information isn't being used by these scammers?

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 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Repeated calls through out the day XXXX days a week. Calls are made after XXXX about XXXX a night as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: MOHELA
State: CA

Complaint narrative:
I sent in a XXXX application on behalf of my daughter ( as a parent ) and she completed the student part. We got an offer on a loan and the interest rate was represented at XXXX % so we went ahead with the loan. Then I got information that the loan was at Mohela and when I looked at the details I saw the interest rate was over XXXX % which was absurd. I logged into Mohela and re-paid the loan on XXXX in full and including {$44.00} in interest, the loan amount was {$5000.00} and the amount I paid via my chase checking account was XXXX. I checked in today even thought I got a receipt from Mohela and it shows as no payment made and still shows I owe $ XXXX. How can I make a payment in an online system and they not show the payment but they charged my checking account on the day it was paid! Something is broken with their system. I have attempted to call in several times but the wait times are long. I also sent into their online system proof of the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
Subject : Dispute of Unauthorized Charge {$210.00} on XX/XX/year> I am writing to formally dispute a charge of {$210.00}, posted on XX/XX/year>, to my credit card by the vendor XXXX XXXX XXXX in XXXX, XXXX. 
Reason for Dispute : I unequivocally confirm that I did not authorize this transaction. During my spending in XXXX on that date, my purchases were all minor and never exceeded {$100.00}. I do not have a receipt of items for any purchase matching this amount because such a transaction for that amount did not occur. 
Possible Explanation : The merchant have charged an amount in Euros instead of Turkish Lira. For example, an intended amount equivalent to XXXX USD in Turkish Lira have been mistakenly processed as Euros, resulting in this significantly higher charge. ( The exchange rate was about XXXX euro equivalent to XXXX Turkish Liras ) Request for Resolution : I kindly request that you honor your policy on unauthorized transactions and reverse the charges.

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 2024-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
Keeps calling from random phone numbers and wont stop trying to make contact

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: Kriya Capital, LLC
State: LA

Complaint narrative:
It says that my Social Security number was found on the dark web and there is a debt collection from Credence collections for XXXX XXXX I do not know who they are? I also see an old address of mine and a phone number that I don't recognize listed as my number. I have been scammed in the past XXXX from jobs on Indeed and XXXX. My XXXX account was also hacked. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have just noticed that there have been illegal transactions in my account since yesterday, which I was completely unaware of. The last transaction I made was to my school, XXXX XXXX in XXXX. It seems that someone has hacked into my account, as I was not aware of these unauthorized transactions at all.

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 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My right to privacy is being violated and breached. I never gave permission for this information to be reported on my credit report. As a consumer, I know I have rights and that very right is being violated with what these companies are reporting on my credit that are not the maximum possible accuracy and also violating my right to privacy. It's hurting my credit score and impacting my life negatively.

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 2024-11-22 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: EQUIFAX, INC.
State: WA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX ( XXXX ) regarding improper credit reporting practices and their failure to provide essential documentation related to my account. 

1. Failure to Provide Payment History : Despite multiple requests this year, CPS has not provided a full accounting report of payments made on my account from XXXX to XXXX. This documentation is critical for verifying the accuracy of their reporting. 
2. Misleading Credit Reporting : CPS has reported my account to all XXXX major credit bureaus as settled for less than owed without providing evidence to substantiate this claim. 
3. Improper Re-Aging of Debt : CPS has improperly re-aged my debt, extending its reporting period to XXXX. A XXXX loan now appears set to remain on my credit report for XXXX years, a practice that may violate the Fair Credit Reporting Act ( FCRA ). First date of delinquency is listed as XX/XX/XXXX, which is inaccurate. 
4. Failure to Provide Debt Validation : CPS has not issued a debt validation letter detailing the age and amount of the alleged debt, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
As evidence of their incompetence I would point out that they state I owed a minimum payment of {$190.00} on XX/XX/year> on their own response letter to CFPB. Wells Fargo has never responded to me directly and waited a month and a half to respond to CFPB during which time they applied additional fees XXXX times. Using WFs own response stating that I owed {$190.00} on XX/XX/year> and paid {$260.00} on XX/XX/XXXX after having to track them down to find payment information they failed to provide or digital notifications they promised, I would still have overpaid them by {$70.00} on XX/XX/XXXX which more than covers any {$29.00} fee and would have brought the account current ( and overpaid by {$41.00} assuming the fee remained ). Their own document then contradicts itself on the following line stating that {$260.00} was past due between XX/XX/XXXX and XX/XX/XXXX while it earlier stated a minimum payment of {$190.00} was all that was due XX/XX/XXXX. Incompetence and deceptive practices has been my experience from Wells Fargo on each attempt to resolve this issue. Their own documentation provided to thwart my attempt to correct and resolve this is riddled with errors. Even if I granted that XXXX received the XX/XX/year> payment XXXX  days late due to their failure to communicate and agreed to the assessed {$29.00} late fee, their own records as provided state that the XX/XX/XXXX minimum payment due was {$190.00} and that the payment they received on XX/XX/XXXX was for {$260.00}. My expectation remains the removal of all late fees and correctly adjusting my account to reflect good standing and accurate payment history throughout. As a gesture of good faith, I will not seek a refund of {$70.00} ( or {$41.00} assuming the {$29.00} fee ) as a result of the stated overpayment on the document they provided.

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 2024-11-22 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: AZ

Complaint narrative:
Subject : Formal Dispute Under 15 USC 1681i ( 5 ) Request for Investigation and Correction To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report, as provided under my rights outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( 5 ). This section of the law requires credit reporting agencies to investigate disputed information and promptly update or delete items that can not be verified or are found to be inaccurate.

The disputed item is as follows : 1. Account Name : [ XXXX XXXX XXXX ] Date Listed : [ XXXX XXXX, XXXX ] XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX. XXXX, XXXX XXXX. Account Name : XXXX XXXX XXXX Date Listed : XXXX XXXX, XXXX XXXX. Account Name : XXXX XXXX Date Listed : XXXX XXXX, XXXX Under XXXX XXXX XXXX ( XXXX ) ( A ), any item that can not be verified as accurate must be promptly deleted from my credit report. I request that you conduct a thorough investigation of this matter and provide me with the following : Verification of the Disputed Item : Evidence confirming the accuracy of the account information.

Correction or Deletion : If the item can not be verified, it must be corrected or deleted from my credit report as required by law.

Notification of Results : Written confirmation of the investigation results, including an updated copy of my credit report reflecting any changes made. 

Please respond to this dispute within the legally mandated XXXX investigation period. Failure to comply may result in further action to enforce my rights under the FCRA. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Unifin Inc.
State: FL

Complaint narrative:
I received an SMS message on my phone : This is Unifin, a debt collector. Contact us about ref # XXXX or call XXXX or XXXX XXXX  The phone number in my messages appeared to come from XXXXXXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-22 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: WI

Complaint narrative:
I filed a lemon law case against XXXX XXXX XXXX XX/XX/XXXX because my car is a lemon and is a very dangerous vehicle. When I filed that case they started to retaliate against me by not posting my payments to my account, reporting false information to the credit bureaus and denying me service on the vehicle. I attempted to correct the miss allocation of payments to the account with a supervisor who admitted the late payment reported in XX/XX/XXXX was inaccurate and promised to remove this from all credit bureaus. Initially it was removed, but they placed it right back to prevent me from being able to trade in the car as it took XXXX points off of my XXXX XXXX instantly! I attempted XXXX weeks ago to have this resolved by another XXXX, who stated she would call me back and get it updated. No response, no update! I am attaching information supporting my position. I have XXXX months worth of statements showing payments were made timely and deducted from my checking account, but I am focusing on the payment referral arrangement which I initiated with XXXX For XXXX month of XX/XX/XXXX. If they didnt falsify service records during the lemon law arbitration case, I would have won the case and this would be a non-issue. I am attaching the payment deferral agreement which shows payment was due XXXX, the 10 day grace period contract, executed by myself in the dealership, their policy on not Reporting negative information when payment referrals are requested in a couple other supporting documentation. 

They also have refrained from reporting all payments made to the credit bureaus. There are months where I made {$3000.00} worth of payments and theyve reported XXXX. I cant confirm that my payoff balance is even correct because of all the retaliatory actions taken against me.

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