vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo unlawfully foreclosed on our mortgage in 2014 and has still not corrected the errors. 

NOTE : This is NOT a duplicate of XXXX. 

In response to my initial complaint referenced above, I did speak with rep fr WF. When asked for an email address with which to correspond, I was told they do not use email but he offered a fax number. He was wanting to discuss my concern over the phone but I told him I was not comfortable doing that and preferred correspondence in writing.

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 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo did not make a reasonable effort to get in touch with me regarding a delinquent credit card payment, which eventually resulted in a 30 day late. The phone number they had on file was an old and obsolete phone number that should have been updated in XXXX when unnecessary accounts were opened for me. Their collections department contact the old number on file and did not use the alternative phone numbers they had on file to get in touch with me. I believe that Wells Fargo holds equal responsibility in this matter and should recall the 30-day late they reported to the credit bureaus. I have paid this credit card as agreed for 11 years and have not had a single 30 day late. This is not a situation in which I am asking for a favor. This is a situation in which Wells Fargo has equal responsibility for not making a diligent enough effort to contact me. 

I tried to resolve this matter with Wells Fargo 's Customer Advocacy Group, and the representative XXXX lied and contradicted herself multiple times. She told me that she started working my case on XX/XX/XXXX, the day after it was submitted on XX/XX/XXXX. When I followed up regarding this case on XX/XX/XXXX, she told me that she also sent me an email XX/XX/XXXX, which was never sent and is not in either of my inboxes. After a frustrating conversation with her, I felt it was necessary to hang up in order to cool off. I called back about 15 minutes later. During this call, XXXX told me that she had not actually even started working my case yet. On the prior call, however, she kept telling that it was my responsibility to pay the credit bill on time. I find it absolutely shocking and completely unprofessional to treat a consumer the way I was treated. Absolutely unacceptable. I find that XXXX 's lack of investigating this issue and trying to blame the problem on is not keeping this claim impartial and objective, and believe there is a bias against me. Upon stating my concerns and asking for additional information, such as access to XXXX account records, XXXX kept deferring my inquiry to the credit bureaus to resolve. The credit reporting agencies can not assist me with records and retention pertaining to the opening, closing, and maintenance of my checking and savings accounts with Wells Fargo. Upon expressing these concerns to XXXX, she hung up on 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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/21 at XXXX pm I went into us bank to make a {$1600.00} cash deposit to my checking account. I gave the teller my California License and my check book. The teller asked where I worked and claimed this was standard with No Activity, then gave me a receipt for the deposit. On XX/XX/21 my account notified me of pending shortage, I checked the account to see that the funds were not there. I checked the receipt and the last four numbers on the receipt do not belong to my account. I have contacted the fraud and CSR regularly, given all agents the receipt information and I sent a email to area vp. It has been almost 30 Days and no one has returned my funds or reached out to attempt to correct this error

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 monetary relief
Consumer complaint received 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX I attempted to open a bank account in Texas through XXXX Bank Online, I was denied the ability to do so and informed my credit has been frozen through XXXX. I attempted to utilize XXXX  online form to lift the credit freeze and again was denied the ability to do so and then given mailing instructions. I followed these instructions verbatim and have not been contacted to resolve this situation. 
I also went through the same procedures with both XXXX as well as Equifax. 
In the case of XXXX, I was able to resolve the matter over the telephone, the agent informed me that these credit freezes were placed back in XXXX, which I could not understand because since the beginning of XXXX I have opened multiple accounts through a number of different financial institutions in different states within the U.S.

In the case of Equifax, I attempted to fill out the online form which required a mobile phone number which I do not have and because of this the agent instructed me to mail two copies of ID and a cover letter with my request to lift my freeze and explained that I would hear from them in less than 10 business days, of which never occurred. 

For all documentation mailed, I payed for certified mail back in XXXX and still hold the tracking information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I have student loans through XXXX and have been paying on them up until the forbearance started. I was also enrolled in the public service loan forgiveness program however XXXX changes the status of the loan stopping my enrollment in the public service loan forgiveness program. I tried to fix the situation however was unable to start back in the program. Now I have to reapplying for the public serXXXX loan forgiveness program. XXXX has switched my loans over several times and remains unclear on if I have been excepted back in the program or what else needs to be done for me to get credit for the payments already made and if I they will count when I am back in the public service program I have been working in public services for over 18 years and feel that I have been steered in the wrong direction in the attempts to pay off my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : 1 XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, Transunion and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft 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 2022-01-13 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft 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 2022-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been teaching for 17 years and continue to attempt in qualifying for Public Service Loan Forgiveness this last year. I have made payments consistently for more than 120 payments. Navient keeps informing me that my loan is not a direct loan but was informed by many other teachers that i can consolidate into a direct loan to qualify which they have. 

I can not get a straight answer or how to consolidate this loan to a direct loan after many phone calls and letter not helping to consolidate my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Dealing with Santander consumers has been a nightmare! I made a mistake by accidentally paying 2 car notes in one month. Since I needed to be reimbursed for one of the payments I contacted Santander as well as chase ( my bank ) for details on reimbursement.

My bank was able to reimburse me the extra payment and later contacted Santander for a refund. Instead of Santander refunding my bank.. they marked the car as said off. Sent me my title and dropped a 30 day LATE PAYMENT on to my account.

This ultimately resulted in my credit score dropping over 75+ points. My auto loan was paid every month on time. This company reported a false delinquency out of spite. I am asking that action is taken to remove this false Delinquent claim

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over XXXX and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On or about XX/XX/2019 Navy Federal restricted all of my accounts with its financial institution stating that I breached contract. In XXXX I allowed my mother XXXX XXXX XXXX to sign into my business online banking and sign a business check on my behalf. XXXX XXXX XXXX at the time and still is due to personal reasons is my power of attorney. Under a Power of attorney no laws or contracts could have or have been breached. Navy federal restricted all of my accounts both personal and business which prevented me access to online banking, daily transactions with my checking and savings account, credit cards and lines of credit. Navy Federal Credit Union is in violation of adhering to GAAP principles and is obstructing the banking system. I have made several attempts to overturn this matter with the security department & have been informed this decision is final. I intend on pursuing this matter also with the Attorney General and the FTC. Attached please find Affidavit of truth and POA that was in place at the time Navy Federal stated that I was in violation/ breach of contract. Navy Federal still has all of my accounts open but I have no access to them but they still want payment on said restricted accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Passport, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: MI

Complaint narrative:
My name is XXXX XXXX I am a consumer and I am submitting this complaint without any influence from a third party. Please see attached documents and ID as it contains my full complaint and related information.

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 2022-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Someone did a rental agreement in my name worth {$17000.00} in Washington DC! The company has contacted me and theyre working with lowers to get off 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 2022-01-13 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have not supplied poof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX, I presume that NO PROOF of the alleged debt, nor therefore any such debt, in fact exist.

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 2022-01-13 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: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
2018 midline sent out a credit card I did not authorize. To date it ha a balance of ove {$600.00} wich I did not authorize. I live on a campground where everybody has access to the mail. I never knew I had a card until I was supeenaed to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have a 30 year conventional loan with PMI that was sold to The XXXX XXXX without my permission or knowledge in 2017. I was just turned down on a land loan because the XXXX XXXX reports my mortgage as revolving credit so my credit rating is wrongfully lowered so to the balance to value ratio. The money source claims its industry standard to report a manufactured home as 17 but my home has been purged and permanently affixed to my 7 acres.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
This is a complaint from a consumer natural person pursuant to the Truth in Lending Act ( XXXX XXXX XXXX ). On XX/XX/XXXX of XXXX, XXXX XXXX denied my consumer credit application for an INDIGO XXXX XXXX. This adverse action is a direct violation of the Equal Credit Opportunity Act ( XXXX XXXX XXXX ( XXXX ) ). I the consumer and applicant in good faith exercised my right under the Consumer Credit Protection Act. Because XXXX XXXX wrote the XXXX discrimination disclosures at the bottom of the letter, it shows that they knew of my rights which means they knowingly and willfully abused and damaged my life by being non-compliant thus making themselves civilly liable. Lastly, i have attached a photo of the approval requirements stated by XXXXXXXX XXXX  themselves. None of those requirements are mentioned in the reason given for the adverse action. " Recently opened Milestone account '' was not disclosed to be means for disqualification. I really don't understand how XXXX XXXX could think that consumers aren't credible for their own credit when banks don't loan money pursuant to XXXX XXXX XXXX. Especially since they are XXXX insured. What money are they expecting when the United States is responsible for debt obligations and bills of credit which means I have perfect and unlimited credit. This type of practice undermines public confidence in the banking system. I am the authorized representative of my trust account also known as principle also known as priority exemption prepaid account. Seems like XXXX XXXX is in the business of identity theft by pulling credit and getting paid with no equity given to the consumer. This noncompliance needs to stop because if they are doing this to me, I'm sure they will do it to other consumers.

Company response to consumer: Closed with explanation