vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: WI

Complaint narrative:
In XX/XX/year> I paid off my full balance of what was owed online. It showed a XXXX balance with no future payments. I received no further communication of a past due account, no right to cure. I did receive phone calls from a number that showed likely a scam. So I ignored it. I received no email from the company about a past due amount, no other forms of communication. Finally I answered the scam call just to tell them to stop calling so much, and they said they were from TD bank. I asked who that was cause I don't know a TD bank. They said they wouldn't tell me unless I gave them my personal information. I told them I wouldn't tell them my person information unless they told me who they were. They wouldn't, so we ended the call. Many days later they were XXXX again calling many times, so I answered. Then they said it was about my XXXX account. Then I recognized the inquiry. They said I was many months past due on the account. I told them that's impossible cause I've received no email or anything stating I was past due. They said they tried calling, and I wouldn't received anything cause I selected no paper statements. They said they don't send out right to cures or anything indicating a past due amount. Only statements but I selected no paper statements. I asked to a manager, but they wouldn't give me one. They kept giving supervisors and said the managers were too busy. They stated they submitted to the collection agencies of my account being past due. That they'd be willing to get rid of the late fees, but the reporting of the account only a manager can do. So I kept requesting a manager so I could state my case, but they wouldn't give me one. They placed on the account for a manager to call but only associates kept calling, with no help in reaching a manager. They never took off the late fees like they said they would, and had a complaints department supervisor call me instead. She then lied about paper statements going out, after an associate telling me paper statements didn't go out due to me selecting no paper statements. They've continued to call and harrass me after I've asked them to only have a manager call me. They've had no other way to contact me aside from calling me from a number that comes up a scam. This all could have been taken care of and no late charges or reporting if they had alternate way of contacting me about a past due amount. Text, email, Right To Cure, etc. They had both my email and my phone number. But utilized only XXXX way to contact me. I feel their lack of ways to communicate have put my account into negative standing since the account showed a XXXX balance, and I personally didn't make any purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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. Account name : 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 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 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 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
For the past year, Wells Fargo couldnt figure out my mortgage payment because of some discrepancies while I was in chapter 13. Wells Fargo failed to remove the deferred principal balance in my accounts. I was informed by my lawyer XXXX XXXX to keep paying the same amount of money I was paid previously. I did not miss payment. I always paid the amount of money my lawyer told me to pay.Now I was told by Wells Fargo representatives because I didnt pay the full amount of money for my mortgage Wells Fargo is going to handle my homeowners insurance. It was not my fault that Wells Fargo couldnt figure my mortgage monthly payment. It took my Lawyer over a year talking with Wells Fargo to find a solution.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
I am requesting all of the following from your agency : 1. Name and address of alleged creditor : 2. Name on file of the alleged debtor : 3. Alleged account # 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date ( this alleged debt became payable ) : 7. Date of original charge or delinquency : 8. Was this debt assigned to a debt collector or purchased?

9. Amount paid if debt was purchased : 10. Commission for debt if collection efforts are successful : Please attach copies of the following : - Agreement with your client that grants ( creditor ) the authority to collect this alleged debt - Signed agreement debtor has made with debt collector, or other verified proof Debtor has a contractual obligation to pay Debt Collector - Any agreement that bears the signature of debtor, wherein agreed to pay Creditor. - All statements while this account was open - Have any insurance claims been made by any creditor regarding the account? Yes or No Have any judgments been obtained by any creditor regarding this account? Yes or No? 
Please provide the name and address of the bonding agent for ( Early Warning Services ), in case legal action becomes necessary : Authorized Signature of Creditor :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I received a referral link from friend and apply for checking & saving account with SoFi. The referral page is " XXXX XXXX XXXX XXXX XXXX XXXX ''. On the advertised page, it said " For a limited time, get {$25.00} when you sign up for a SoFi Checking & Savings account and deposit at least {$50.00}. '' I followed the requirement to open the account on XX/XX/2024 and deposited over $ XXXX within 30 days which meet the requirement. So far I still have not received anything from SoFi. I contacted them today on XX/XX/XXXX and was told that the deposit has to be made within 14 days which is not listed clearly on the page.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
inquiries were unauthorized according to the XXXX XXXX. XXXX, Approved XX/XX/XXXX ( XXXX XXXX. XXXX ) under the Consumer Credit Protection Act Section 604 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and 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 none of these transactions should have been reported on my consumer report , all companies refuse to apply and this has been a major violation of the Privacy Act of 1974. 

XXXX XXXX received a secured payment and reported it as paid repossession.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts 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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Timely payments have always been a priority for me regarding this account, ensuring that they are never overdue. I'm perplexed by the presence of late payment remarks on my accounts. It's important to note the provisions of 15 USC 1666b - Billing Error, which necessitate corrections when errors occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I had called as I was having a hard time using this card to pay online and I was told that XXXX does not allow the use of gift cards for payment. I received {$1200.00} in total AMEX gift cards as a gift to help me pay some bills as I was XXXX XXXX XXXXXXXX and had some bills that I was behind on. After calling AMEX I was told I could use the card anywhere AMEX was displayed. I tried in XXXX and it was declined. Now I has=ve XXXX worth of card that I can not use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
We had a mortgage with Mr Cooper that was serviced by Right Path Servicing. In XXXX of XXXX, Right Path Servicing was contacted a hazard insurance company for payment of a policy of the same last name as ours but a different policy address. Right Path paid this company {$1700.00} from our escrow account. We discovered this error when the end of year escrow statement and projections was issued in XX/XX/XXXX. I contacted Right Path multiple times in XX/XX/XXXX and finally thought we had the issue resolved. Loan was transferred on XX/XX/XXXX to XXXX XXXX. During these phone calls is when we discovered the improper use of our escrow funds by this mortgage company. We were escalated to a supervisor who explained what happened and steps they would take to correct. Insurance company wanted to issue a refund check to me directly but he suggested not releasing our personal information and allow the check to be issued to Right Path and Right Path would issue a corporate check for the refund. We agreed. 

Well not 100 % sure what happened but the {$1700.00} was never credited to our new escrow account. After several more calls we were told check from insurance company arrived XX/XX/XXXX and new check was issued XX/XX/XXXX. XXXX XXXX can not confirm arrival or locate the refund check. On XXXX in a conference call between both mortgage companies and myself we request photocopies of the check and the address to which the check was sent. No response and in another conference call with the XXXX mortgage companies on XX/XX/XXXX I am told by the escalation team that Right Path no longer services the loan and I will need to contact incorrectly paid insurance company directly to get a new refund check issued. This is when I reached my breaking point with Right Path. Asking me to impersonate someone who happens to have the same name as me and request a new refund check for their mistaken payment. How did Right Path pay the hazard insurance policy on the incorrect address? How can Right Path leave my escrow account short {$1700.00} for a year? How can Right Path not transfer our entire escrow balance?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
On XX/XX/23 I was adverse possessed /disibility abused by with a 24 hour eviction by Wells Fargo an XXXX XXXX. The house was foreclosed on XX/XX/23. So, I was forbade to enter the property and XXXX XXXX had no Color of Title. I don't know him well he is a mechanic in the Community and he did not frequent or socialize with me. Wells Fargo allowed XXXX XXXX access to my property before the foreclosure on XX/XX/23. Please help me I am a XXXX single parent who has been adverse possessed/disibility abused and has had reputation tarnished and been deprived other housing opportunities because of this.

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 2024-03-21 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: MO

Complaint narrative:
XX/XX/XXXX, I moved to XXXX XXXX  Missouri. When I first moved into the home, I ran into an issue with the former tenants checking the mailbox. Shortly after this credit statements began to come to this address. I requested validation from the lender never to receive the information I requested. The account is for XXXX XXXX XXXX XXXX Account number XXXX. The date shows opened XX/XX/XXXX. It is now showing negativity on my credit report and is charged off for {$990.00} that has been written off. The last status updated XX/XX/XXXX balance updated XX/XX/XXXX. Credit limit is showing {$500.00} but the balance is {$990.00} which is outrageous. And is showing not to be removed from my record until 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PREFERRED CREDIT INC
State: MS

Complaint narrative:
On XX/XX/XXXX of XXXX  I entered into a retail installment contract with Preferred Credit Inc. My account number is XXXX and my monthly payment was set for auto draft via my checking account for {$170.00} starting XX/XX/XXXX. After reviewing my promissory note, I see Preferred Credit has taken advantage of me along with committing securities fraud as well as violating the Truth In Lending Act. In the attached contract, it states under " DESCRIPTION OF GOODS AND SERVICES, '' This Contract covers your installment purchase of the following Goods and Services : XXXX  XXXX Preferred Credit still chose to collect tender of payment from me monthly with a promissory note that was paid in full at the time my signature was placed on the document. Also, in the section titled " PREPAYMENT '' under " IMPORTANT, '' it states, " Even though you needn't pay more than the fixed installment, you have the right to prepay the whole outstanding amount of this Contract at any time. If you do, we will refund the unearned FINANCE CHARGE as of the next installment due date if not prepaid in full on an installment due date unless this Contract was executed in MISSISSIPPI ( my residential state ). The FINANCE CHARGE on the note is {$810.00}. 

I never received this finance charge, I was taken advantage of and harassed by their servicers with illegal debt collection. My consumer report is now damaged as they have charged off a PAID ACCOUNT and reported late transactions.

Company response to consumer: Closed with explanation