vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In 2021 my XXXX was eligible for a loan modification under the XXXX XXXX which would have waived the past due balance on my XXXX  and would have at least kept the same payment of approximately {$2400.00} per month. 

However, because I was going through a divorce, Wells Fargo refused to allow me to accept the loan modification without the agreement or approval of my then spouse- which is in violation of XXXX  Rules. 

My ex-spouse refused to sign the modification papers which would have only been beneficial to him as well. 

Wells Fargo would not allow me to make any decisions in regard to the XXXX  unless I obtained a XXXX XXXX. My ex-spouse remained uncooperative, and, as a result, the house went into XXXX. I asked only for the house to be signed over to me in the divorce - by XXXX XXXX. I was finally able to get the XXXXXXXX XXXX  but the house was in XXXX  and on the XXXX 's XXXX list. 

Subsequently, after proving the XXXX XXXX  was executed, Wells Fargo then offered a so-called loan modification to me in which they put all of the past due balances onto to the loan and raised the monthly payment to {$3500.00} per month. 

I had to take out a {$12000.00} loan to be able to meet the payment during the trial period of this so-called loan modification. 

Wells Fargo purposely, illegally prevented me from accepting the loan modification in 2021. This corrupt institution refused to allow me to accept the loan modification but was perfectly okay with piling all of the past due as well as the newly accrued balances to file for XXXX  against me. Ultimately, I believe I was discriminated against because of my gender.

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 2024-01-08 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that

I have a right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account witho
ut my written instructions

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: LEXISNEXIS
State: OH

Complaint narrative:
This is my follow up request regarding my previous complaints dated XX/XX/XXXX regarding the disputed items in my files. I understand that your schedule may be busy, and I appreciate your time and attention to this matter. As of today, I have not received a response or any updates on the status of my disputed items. I recognize that unforeseen circumstances may arise, and I am certainly understanding of that. However, to ensure we are on track and to address any potential concerns promptly, I am reaching out for an update. The items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX OH XXXXXXXX XXXX XXXXXXXX Balance : {$570.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX Original Creditor : XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX. XXXX contacted Equifax via certified mail on or around XX/XX/XXXX and XX/XX/XXXX that there were inaccuracies reporting on my credit profile to do with a late payment from XXXX which is a closed account and also a XXXX  record that is reporting inaccurately. I submitted a dispute letter on XX/XX/XXXX to Equifax as follows : Dear Equifax : My name is XXXX XXXX XXXX. This is a letter to request the reinvestigation of the above confirmation number in reference to the XXXX XXXX from a Chapter XXXX XXXX on XX/XX/XXXX. I previously disputed this public record and according to the Equifax credit file dated XX/XX/XXXX, the XXXX  Record information is verified and obtained through a XXXX XXXX. The results of your investigation through XXXX are inaccurate because the report that I have from XXXX does not have any bankruptcy records reported under my name. The bankruptcy is still on my credit file from Equifax and this is entirely inaccurate and as such represents a very serious error in your reporting. This is a direct violation of my rights under the FCRA as the information must be reported with XXXX XXXX  accuracy. According to the XXXX Credit Report XXXX all information must be reported with XXXX XXXX accuracy. This public record must be deleted from the report as soon as possible or you will be sued to the fullest extent of the law. I further understand that you must complete your re-investigation within XXXX  days of receipt of this letter ( 15 U.S.C section 1681i ( a ). ) Once you have deleted this record, please send me a copy of an updated report. Thank you for your assistance. I personally signed and sent this letter. Sincerely, XXXX XXXX Equifax responded on XX/XX/XXXX that as a result of a reinvestigation that a XXXX XXXX  remains on the credit file and that the records are obtained through a XXXX XXXX vendor, XXXX. According to my XXXX Report from XXXX there is no XXXX  reported in section XXXX  of my consumer records. I contacted Equifax to dispute the inaccuracy because in their letter they indicate that they verify the public records through XXXX of which there is nothing reported as far as a XXXX  but Equifax is violating my rights as the information must be reported XXXX XXXX accurately and they are continuing to report this on my credit file. I have also disputed the late payment of XXXX which is a closed account and this is not being reported by XXXX or XXXX. My credit file is supposed to be reporting accurately across the board with XXXX XXXX  payments and Equifax refuses to correct this late payment status on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). According to the Fair Credit Billing Act, it is imperative that accurate billing procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request. In adherence to the XXXX, I request that you furnish a notarized statement on your official letterhead, confirming your compliance with the XXXX in general and specifically with regards to my account throughout my tenure as a customer. Account Details : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). According to the Fair Credit Billing Act, it is imperative that accurate billing procedures are followed, statements are sent to the correct address, change of address requests are acknowledged, and disputed charges are handled in accordance with legal requirements. Additionally, the Act mandates that you promptly provide lawfully requested information about my account upon my request. In adherence to the FCBA, I request that you furnish a notarized statement on your official letterhead, confirming your compliance with the FCBA in general and specifically with regards to my account throughout my tenure as a customer. Account Details : XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Banks can not loan money per book called XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. Exhibit b affadavid all debts are prepaid. 

Exhibit c XXXX  vs bank of montgomery 1969. This case was about lawyer named XXXX saying he refuses to pay morgage because bank puts nothing up of value lawfully called consideration. You never told me I have no money to loan me. Sounds like fraud to me. You bill my trust and ask me for payments in federal reserves as well. Trust fraud and securities fraud. You are trying to make me your XXXX. Not happening. You can XXXX  out the XXXX XXXXXXXX XXXX XXXX and rooms to go card based on fraud so note null and void. You can open these accounts again and bill my trust only no double billing. If necessary we can supena your ceo to florida and your representative named XXXX XXXX. You are doing securities fraud and trust fraud. If you like u can call XXXX or XXXX. Be careful this is a warning to u my name is copy righted. I am not a XXXX XXXX XXXX laws dictionary uncompetitive XXXX. I am a XXXX  XXXX XXXX. If you do not want to provide me with a remedy  no problem take u to florida court

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX  XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 and XX/XX/23 ). Please investigate and provide prof with statements showing that these payments were late. If proof can '? be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Ive ask many times the creditors to provide me with proof and documentation that my account that they report on my credit report is XXXX accurate, according to my knowledge its not even 80 % accurate, Ive ask them many time to proof me and send me documentation and they did never, according to the counsumer law in credit reporting, they need to remove this account from my report since they didnt provide me documentation and its not accurate, pls take this seriously and remove it from my 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 2024-01-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The public record continues to remain on my credit file. 

XXXX XX/XX/2023, submitted a request for deletion XXXX XX/XX/2023 XXXX XXXX response showing public record is unverifiable Numerous disputes have been submitted going back several years. I made phone calls to customer service and even contacted the legal department. I have made several verbal and written requests for proof that this public record exists. They referred me to XXXX in written responses and information provided on their website. 

XXXX is the provider and verifier for public records. I have contacted and received documentation from them. They have informed me the public is unverifiable but Equifax in writing states the opposite. With all the documents I provided showing that this is false and inaccurate information, they refuse to delete it from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credova Holdings Inc
State: AZ

Complaint narrative:
I made deferred payment arrangement to reduce payments from {$190.00} to {$120.00}. I have paid as agreed but received a call earlier this week from someone from XXXX XXXX XXXX XXXX since I paid XXXX payment on XX/XX/2023 I didnt not fulfill agreement and the account was being sent to their collections department. 

I also requested that negative information reported to credit bureau be removed since I have paid XXXX  payments as agreed. I have not received a response nor has information been updated by Credova/XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2024 {$910.00} was taken out of my account by a fraudulent company named XXXX XXXX. Within seconds of noticing the amount being taken out of my account, I contacted Chime to let them know of the issue. I was told by XXXX different agents on the XXXX and the XXXX that my money would be put back on to my card with no issue, and I even instructed to be sent a new card. On XX/XX/XXXX, I checked my account and the {$910.00} was taken out of my account. I contacted Chime where I was told that I had to file a dispute. I filed the dispute and provided evidence from my conversations with the previous agents, as well as evidence of XXXX XXXX  being a fraudulent company. I received an email stating that my dispute was denied. I called back into Chime to get an explanation, I was told that I could reopen the dispute. The dispute was reopened, and not even XXXX minutes after I received another denial email. I once again called back into Chime, and was told that I could reopen the dispute again. I allowed the agent to reopen the dispute, and was then told that a link would be sent to me via email to submit supporting documents. I told the agent that I did that in the initial dispute, and did not understand why my dispute was denied with the evidence. I also stated the conversation that I had with the previous agents. The current agent apologized and stated that he was unsure why they gave me incorrect information. I told him that I felt as if they were not really investigating my dispute, especially with the evidence that I had attached. He stated that the company would be contacted, which I told him there was no way for them to contact the business that I had tried over the course of 3 days. The phone number for the company is a XXXX number, where you are unable to speak to anyone. On the website you can talk to a virtual agent, but after being verified and stating that you would like a refund the chat shows that there is a " technical issue ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
RE : securities fraud Greetings, I applied for credit extension with Mercedes Bens Financial services for an automobile, on XX/XX/2023, I extended credit to MERCEDES BENZ FINANCIAL SERVICES and I received a denial. I have the right to credit, regardless of the reasons MERCEDES BENZ FINANCIAL SERVICES and/or their XXXX  ( XXXX ) cite, MERCEDES BENZ FINANCIAL SERVICES does not lend or extend credit without first receiving my extension, I have reasons to believe MERCEDES BENZ FINANCIAL SERVICES XXXX false pretense are misusing my securities and withholding my access to my own credit in the sub account created on their books bearing my XXXX, which not only constitutes aggravated identity theft and misuse of securities as XXXX not receiving valuable consideration for that security, but provides that MERCEDES BENZ FINANCIAL SERVICES XXXX and knowingly furnished misinformation regarding my capacity to contract and discriminated against me, as per the letter received dated : XX/XX/2023 which is both proof and evidence that I have been discriminated against, MERCEDES BENZ FINANCIAL SERVICES NA LLC is XXXX EQUAL CREDIT OPPORTUNITY ACT, TRUTH IN LENDING ACT and CONSUMER PROTECTION ACT. 

Most importantly MERCEDES BENZ FINANCIAL SERVICES is not in compliance with their own SEC  fillings, if MERCEDES BENZ FINANCIAL SERVICES NA LLC wont honor their own prospectus it leaves me with no option than to transfer the complaint further to SEC and FTC as this is my last attempt to amicably resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I reviewed my consumer reports and noticed that i had XXXX late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/23 ). Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided i demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act this account has violated my rights. 

XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It is also states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation