vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX : XXXXXXXX XXXX XXXXXXXX Inaccuracies, incorrect, amount, dates, also reported status the vehicle was totaled not a repossession. 
Hard inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A coupe of the inquiries were removed by the original creditor letters was sent to myself and XXXX, Experian, & XXXX as well as creditor. They refuse to remove and delete they also remove persolve and add back multiple times each month causing me not to be credit worthy as I am. I am doing this with good intentions and faith. I would like XXXX for rack illegal accusations & negligent matter hurting my creditworthiness.

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 2023-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NY

Complaint narrative:
We sold our home and the mortgage servicer received payment in full, in cash. They took an additional monthly payment out of my checking account via ACH. We need that money immediately for the purchase of our next home. The process they outlined will take a month to correct their error. The practice of continuing to take ACH payments after loans are paid in full is a known issue. Who but the CFPB can hold them accountable and make this practice stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC bank has almost {$20000.00} of debt on my credit report as well as an additional debt amount of {$8000.00}. This is not accurate and both of these are negatively impacting my credit. I only owe them {$7600.00} not {$28000.00}! I have reached out and I told them this they know this information and I can see they ran a soft report on me just last month without my knowledge and even after that credit check that wasnt approved by me they still havent changed this information. They sold my car and made almost if not fully 100 % of their money back but not only incorrectly reporting this information but then adds on {$8000.00} as a separate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The Following accounts are fraud and need to be removed immediately. 

XXXX # XXXX Amex # XXXX -XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
There are several addresses and spelling of names reflected on my consumer report that are not correct.

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
There are several addresses and spelling of names reflected on my consumer report that are not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
There are several addresses and spelling of names reflected on my consumer report that are not correct.

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 2023-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Auto Acceptance, LLC
State: VA

Complaint narrative:
The interest on the loan was very high and the payments were are high also. Contract started on XX/XX/XXXX  payment amount is XXXX a month. No action s were taken

Company response to consumer: Untimely response
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
I was divorced in XXXX. My husband was awarded the primary residence and was supposed to refinance the joint debt. He failed to do so and also failed to keep the loan current. Wells Fargo filed a foreclosure action in XXXX of XXXX. I offered a deed-in-lieu of foreclosure to Wells Fargo at that time as I have a power of attorney to convey the property. They reused to accept the offer. The co-borrower did not respond to the foreclosure request, so it was not contested, and should have resulted in a summary judgment in XXXX. 

Instead, Wells Fargo requested stays on seven occasions, while continuing to report the delinquency to credit. The reason was stated as on-going loss mitigation and a possible forbearance agreement. A forbearance request has to be made by both borrowers, and I have never requested the forbearance that continued to delay the process. The co-borrower also never completed the requirements for such a request making the stays wholly unnecessary. In the past five years the co-borrower has only made 5 payments so the loan history indicates no serious attempts on his part to resolve the delinquency. Instead hes been enjoying a mortgage free home for over 5 years. 

The case has now been resolved, as I entered into a stipulated judgment in return from release of deficiency liability in XXXX of XXXX. A Joint Motion for Entry of Stipulated Judgment and Decree of Foreclosure, Waiver of Deficiency, and Shortened Redemption Period was filed with the court on XX/XX/XXXX. As the court accepted this stipulation and Wells Fargo agreed to waive any deficiency, late payments should no longer be reported to credit for me. Wells Fargo then failed to sell the home in XXXX when the judgment became final, and finally sold the loan in XXXX of XXXX. The new servicer has also failed to sell the home, and has requested continued stays to the process. 

I requested Wells Fargo to remove all credit bureau reporting on this loan from XX/XX/XXXX ( when the stipulated agreement became effective ) through present and they refused to do so. Instead they kept asking me to sign a quit claim deed to the property, so that I give up my rights to be informed on their actions in servicing their loan. This is a loophole in XXXX guidelines that should be closed. No one should be asked to give up their ownership rights without also being released from the debt.

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 2023-05-05 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federally protected consumer rights to privacy under 15 USC 1681. Aconunt name # XXXX XXXX XXXX Account # XXXX, Account name # XXXX Account # XXXX name # XXXXXXXX XXXX XXXX Account # XXXX Account name # XXXX XXXX Account # XXXX name # XXXX XXXX Account # XXXX Account name XXXXXXXX XXXX XXXX XXXX XXXXAccount # XXXX Account name 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, also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c.2 ( a ) ( 5 ) Section states : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information other than 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 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 2023-05-05 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
Fay Servicing is a debt collector operating in the State of New York. It must maintain reasonable procedures for determining the statute of limitations applicable to a debt it collects and whether such statute of limitations has expired. According to Fay Servicing, the last payment on the account was made on XX/XX/2009. In the State of New York, the promissory note and mortgage are contracts, and subject to a six-year statute of limitations law. 

The New York State Department of Financial Services states in debt collection rule 23 NYCRR 1, Section 1.3, Fay Servicing is required to inform the account owner that the statute of limitations has expired. 

The Fair Debt Collection Practices Act, 15 U.S.C. section 1692, et seq, prohibits debt collectors from seeking payment on legally time-barred debts. A debt collector may not use any false, deceptive, or misleading representation or means concerning the collection of time-barred debt. Nor may a debt collector use unfair or unconscionable means to collect or attempt to collect a time-barred debt. It is also a violation of the FDCPA for a debt collector to bring or threaten to bring legal actionwhether explicitly or implicitly against a consumer to collect a time-barred debt ( 12 CFR 1006.26 ; generally see 86 Fed Reg 5766, 578182 [ describing CFPB interpretation of this rule ] ).

Fay Servicing has thus far refused to comply in with the State of New York debt collection rules and inform me with the required disclosure or disclaimer about the statute of limitations status as required by the New York Department of Financial Services debt collection rule 23 NYCRR 1, Section 1.3, Regulation F, CPFB, and FDCPA and all recent updates to the State of New York debt collection rules and regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
The promissory note lender was XXXX not Nelnet. The loan was scheduled to close in XXXX in accordance with the Department of Education rules for FSA loans, of which Nelnet is in violation of and the loan should never of been transferred to Nelnet. FSA loans have a scheduled close dates, in accordance with the the FSA of the Department of Education, they are not open loans until you die, it seems to me Nelnet believes themselves to be the XXXX. FSA loans have a 10 year or the newer loans a 25 year old end date in accordance with the Department of Education FSA loan rules. 

Nelnet has once again admitted in print the two loans of XXXX were never dispersed and for XXXX dollars and cancelled in XXXX and that there were 14 loans consolidated in XXXX. Yet Nelnet continues to show the addition of two loans in XXXX to my FSA account plus a third loan requiring consolidation. Is Nelnet owned by the XXXX? How do they continue to get away with this illegal crap!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, I requested a method of verification from Equifax for the dispute investigation results for XXXX XXXX  confirmation number # XXXX dated XXXX, and the dispute investigation result for XXXX XXXX confirmation number # XXXX dated XXXX. 

The attached letters are dated XXXX and was sent certified receipt mail, in which Equifax received XXXX per the attached tracking records. Per my attached method of verification request I was very specific of my request. 

According to many federal laws, such as FCRA and 15 U.S. Code 1681i ( 6 ) ( B ) ( iii ) 1. A notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency And ; 15 U.S. Code 1681i ( 7 ) A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

I have yet what was requested in my attached request, it has passed the 15 day mark allotted by law. Equifax in now in noncompliance with federal regulation made to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I was offered a special interest rate offer from Citi bank after the previous complaint in XX/XX/XXXX. The offer was a 3.9 % interest rate for all purchasing, ending on XX/XX/XXXX. I took advantage of this offer I was given from Citi. I have talked to their customer service representative to ensure this offer is on my account and future payment including the interest rate. Today, I saw my banking statement, and my interest rate is showing 19.99 % for purchasing transactions during this special offer ( before XX/XX/XXXX ). I agreed to get their offer, and there's no 'fine print ' of my interest will change to 19.99 % for the remaining account balance for the special rate purchases. 
In the past, I have XXXX  payment service on this credit card, the special interest rate was offered for this XXXX, and it has been kept the same rate. 

As my complaint last year and now, only this credit card account has the problems always, but other Citi credit card account and other bank accounts has never had any problems. 
Citi should not change its offer term without notification to consumers. Citi has failed to inform the interest rate will change back to the normal rate for the remaining account balance with the special interest rate.

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 2023-05-05 00:00:00
Product: Credit card or prepaid 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I used my brand new credit card from bread cash back American Express to rent a vehicle with XXXX rent a car everything went fine i was billed from XXXX on That card with no problem. A few weeks later in XXXX I get an additional charge of almost {$1100.00} on my Bread cashback card from XXXX I immediately called XXXX they didnt have any record or even understand why I had an additional charge on my card I had to send them info to prove the charge was on my card I then called back bread cash back American Express to tell them this was a fraudulent charge and they said they would look into it I even got a few letters from American Express telling me to be patient they are working on it but as of today XX/XX/2023 and it is still on my account this fraudulent charge occurred on XX/XX/2023 I alerted both companies it was fraudulent charge within a weeks time of that fraudulent charge I dont understand why I am not being helped in this matter by American Express for a fraudulent charge against my account please help Ive spent well over 3 hours on the phone with American Express to no avail. I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-05 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: IN

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. 
XXXX XXXX Balance : {$0.00}

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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Account date incorrect, this account originally open in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have asked Truist several times who owns my loan? Are they just the servicer or has it been sold at any time Since XXXX? I have even sent this is a written form and have never received an answer to this question. What is there role in my mortgage? What are there responsibilities when it comes to my loan process? Do they own my loan? Loan number 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 2023-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Climb Credit Inc.
State: FL

Complaint narrative:
CLIMB CREDIT pulled my credit without my authorization.

Company response to consumer: Closed with explanation