vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: OH

Complaint narrative:
Rather than paying my mortgage once a month, I'm attempting to pay a partial payment every two weeks. With this process, every monthly payment would be paid in full and on time. This process benefits me in that by the end of a year, I'll have paid one extra payment, paying down my loan faster. It additionally decreases interest faster. 

The company, Midland Mortgage, however will not allow me to make partial payments via phone or their website. They only allow me to mail a payment ( no one uses checks anymore ) and even then it will be put in an 'unapplied funds ' account, therefore eliminating the benefits to me listed above. 

Making this process difficult benefits them and hinders me, the customer, from getting ahead financially.

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 2023-07-07 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX and I am a federally protected consumer, and I am making this complaint against Wakefield and Associates, for committing identity theft. I have never given Wakefield and Associates any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with Wakefield and Associates and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving Wakefield and Associates any right to collect on this alleged debt. 
I have never received any documentation requesting validation from Wakefield and Associates, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Wakefield and Associates can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this alleged debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Wakefield and Associates can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Wakefield and Associates continues its collection efforts, I will file for litigation for actual damages caused and Wakefield and Associates will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
The collection account innovative recovery is still on my credit report despite it being paid and removed by the company the account is still appearing on my credit.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 2023-07-07 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 — Investigation took more than 30 days
Company: Meade & Associates, Inc.
State: OH

Complaint narrative:
on the date of XX/XX/23 i sent a letter to XXXX XXXX XXXX to dispute the account that they are reporting on my XXXX XXXX report XXXX XXXX XXXX XXXX {$970.00} Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX | ( XXXX ) XXXX It has been over 30 days and they never responded to my resquest. Please delete this account since they did not honored my request within the time allowed by the law.

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 2023-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
why and how is experian reporting the balance on XXXX has increased when the account is charged off and closed. i asked 3 months ago for a breakdown an explanation of the fees and origin of the fees thats being added thats causing the balance to increase monthly on this charge off account from 5 bureaus still hadnt received anything and its been well over 60 days

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 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I needed XXXX XXXX that costs {$6400.00}. The company told me about a no payment, no interest for 12 months financial assistance program. I applied because I couldnt afford the XXXX XXXX and was on Social Security XXXX and needed the XXXX XXXX to return to work. Turns out that the program was a Wells Fargo credit card that could only be used for the purchase of the XXXX XXXX. Also, there was no no payment feature. It took me 8 months to catch up on late penalties and as soon as I got on track, I was hammered with a {$900.00} interest charge for the first year on top of accruing future interest. There is little to no assistance for XXXX XXXX purchases and XXXX benefits for them are laughable.

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 2023-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I applied for and got the loan over a year ago. The reason behind the loan was medical but was told since I had no credit score that this would be on my credit and improve within 3 to 5 months. Never was on my credit and was told they have to tell this to get people to want the loan. My husband and I separated for a short time and during that time I received a message from at the time was a current employee but has since been fired unjustly, saying that her boss XXXX wanted to see me asap that they had info on my husband. I asked them to just tell me and they asked me to come in. The branch manager had gotten my husband from my application and ran his full credit and background and told me every detail and that they had reason to believe he had been trying to leave me for months. I knew everything that was on his credit and neither himself nor I approved this lady to run his credit at that time nor was there a need to run it. I can provide a specific date if need be for them to look at a camera to see they messaged me to come in and show I was there and XXXX was telling me everything from her computer about my husband credit that we did not authorize her to run. I told them a few days ago via email that I would not be paying any longer on my loan due to the lies they told to get me to get the loan and I'm now being harassed already twice daily with phone calls and voice mails. One of which was XXXX wanting to know why she was being threatened by one of my references, which DID NOT THREATEN! They continue to call this one reference over and over. I'm tired of being harassed and this employee and this company should be monitored so they don't check other people 's credits and give them out to others!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: FL

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
When I locked in a mortgage rate with our Loan Officer XXXX XXXX from Citizens Bank, we enrolled in the Rate Cap Protector Program, which states that we are able to do a 'float down " at no charge if rates come down before closing. Shortly thereafter, XXXX XXXX was fired from Citizens Bank, and our loan was transferred to a new Loan Officer, XXXX XXXX. He was not familiar with both the Rate Cap Protector Program, despite it being in our file, and did not recognize the contents therein. He also was unfamiliar with the specific loan vehicle, a physician loan, which made it cumbersome for him to check rates. XXXX XXXX refused to check rates on multiple occasions, in violation of our signed agreement with the previous Loan Officer, and ignored communication to honor the program and float down program. He refused to send things in writing despite repeatedly asking this. He also did not honor previous Loan Officer 's agreement to be able to but down the rate with additional points. All of this is in writing. The biggest complaint is refusing to check rates and communicate the rates with us despite repeated requests. XXXX XXXX provided false statements about his ability to honor the loan agreement and took misleading ( in ) action. 
On the dates of XX/XX/XXXX and XXXX XXXX XXXX refused to check rates for us, in violation of the agreement. I also have proof that rates did indeed go lower, which we would have liked to have taken advantage of given the Rate Cap Protector ( float down ) program we signed, as evidenced by other lenders/banks pulling rates that were lower than our previously agreed upon rate ( and the same terms - 10 % down, physicians loan, etc ) - on the same days that we requested rates from Citizens. Citizens had actually always beaten both XXXX XXXX  and XXXXwhenever I compared on the same day -- Citizens ' XXXX XXXX just did not check the rate when I asked in early XXXX. When compared to market rates and competitorrates as shown, from early XXXX, you can see that rates had improved from my original XXXX with additional points upwards of {$2000.00} ( again, compared to a lower rate, with a credit ) -- but he refused to new check rates in violation of the contract. 
We were in contact with the Citizen 's Bank Chairman 's Office, who are now no longer returning our calls or emails, as we have requested the refund and return of the fee that we paid to Citizens Bank for this program that they were in violation of to the amount of {$1400.00} which was the payment made on XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: Experian Information Solutions Inc.
State: MO

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 explanation
Consumer complaint received 2023-07-07 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: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-07-07 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, 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:
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.

has violated my rights. Or list of inquiries 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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions 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.

has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-07-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
on the date of XX/XX/23 i sent a letter to equifax to request the method of verification that the used to verify this account ; XXXX XXXX XXXX Balance {$970.00} Act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX | ( XXXX ) XXXX It has been over 30 days and the have responded to my resquest. Please delete this account since they did not honored my request within the time allowed by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
The company, Calvary Portfolio Services, is well aware that I have an account with them. I spoke to them again last week and they said they WILL NOT forgive this Past Debt. They will continue to keep this on my credit unless I pay the balance in full. This account is over XXXX XXXX XXXX. I told them that I have no means to pay past debts since the death of my husband XX/XX/2019. I live on XXXX benefits only which is XXXX a year. I explained that there were other companies that relieved me of my past debts so that I may move ahead with my future. I said " so you are going to continue punishing me and keeping this on my credit '' their response was " unless you want to pay this account there is nothing we can do ''. This is hurting me for my financial future. I also told them that since there is absolutely I can do to pay this. That I feel like this is harassment and unfair to me. Unfair credit reporting. 

Calvary portfolio services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Acct # XXXX Ref # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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