vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I wrote a letter to WF/XXXX  over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX. I was never notified of the status of the results. This negative information has caused a lot of problems over the last few months because I refuse to pay a debt that does not belong to 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 2023-10-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Freedom Mortgage Company
State: MD

Complaint narrative:
When my wife was making our XX/XX/2023 mortgage payment online, she noticed the XXXX she had previously made was {$300.00} short of the monthly total. She increased the XXXX amount to add that {$300.00}. On XX/XX/2023, she and I were notified that we were delinquent XXXX months for making a payment which instantly dropped both our credit scores. Before this incident we had scores between XXXX. She contacted Freedom Mortgage and was informed that payments were received as she described but we had been marked delinquent due to the XXXX payment not being the correct amount. The representative from Freedom Mortgage confirmed that no one from the company attempted to contact us prior to them contacting the credit bureaus. While the amount was not the full amount paid in XXXX, some form of payment was made. When the mistake was discovered in XXXX my wife attempted to rectify the situation by paying more. Still, no one contacted us. We both have good credit and have always made payments on time. We are both public servants and I serve in the military, currently XXXX to the XXXX XXXX. Our jobs are affected by credit scores and for XXXX years we've made sure to always stay current with payments. Freedom Mortgage refuses to help us which means we can not got our scores changed back.

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 2023-10-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
XXXX XXXX  filed bankruptcy, my solar failed XX/XX/2023. Reached out to XXXX XXXX, rep advised this was a one time warranty fix and after that we would pay for additional repairs out of pocket. Also, they advised payments would stop until solar panel were operational, however interest on the loan would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
XX/XX/23 This issue is with Rushmore Home Loans. 

I have been trying to contact them since XX/XX/XXXX  I am in need of year end tax info which is not on their website. Additionally they have been " closed '' for the last week that I have attempted to call on the only two phone numbers I can find. Their email nor their chat box works. What options do I have to obtain my info?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: MO

Complaint narrative:
I am filing this complaint against the credit reporting agencies ( CRAs ) Equifax and XXXX for their failure to conduct a proper investigation regarding an inaccurate account reported on my credit profile, which has significantly impacted my financial wellbeing. 

Over the past two years, I have disputed the incorrect account information more than eight times with both Equifax and XXXX. Despite my numerous disputes, the CRAs have repeatedly verified the inaccurate information without conducting a thorough investigation. 

I contacted XXXX XXXX, who confirmed that they have not reported any account under my name since 2019. Additionally, I spoke with the original grantor of the account, XXXX XXXX, who verified that the account has a XXXX dollar balance and is marked as settled. Despite providing this information in my disputes, Equifax and XXXX have failed to correct the inaccuracies on my credit report. 

The continuous reporting of this incorrect account information has drastically lowered my credit score, leading to higher bills, an inability to secure loans, and other financial hardships that have adversely affected my quality of life. 

I am requesting the CFPB 's intervention to ensure that Equifax and XXXX conduct a thorough and proper investigation into my disputes and correct the inaccurate account information on my credit report. I am willing to provide any further documentation or information necessary for the resolution of this complaint. 

I appreciate your prompt attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was told about a checking account that I did not open for XXXX to XXXX I believe no action was taken cause I did not know about this account but did receive a letter about a XXXX XXXX check that I didn't receive.

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 2023-10-10 00:00:00
Product: Credit reporting 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: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I purchased a ring from XXXX XXXX and used Comenity Bank Credit Card. I was told by XXXX XXXX that I would have " 18 months no interest ''. It has since been 18 months and 20 days. Yesterday, I found out that I was charged {$3200.00} interest on a balance of {$2400.00}. I was not given any warning that I would be charged this interest through email, mail, or text message. I am enrolled in auto-pay. I found this information after making a new purchase. I would like to file a formal compliant under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I notified my prior mortgage servicer I would be submitting a request for borrower-initiated termination of conventional mortgage insurance based on current value of my property. I requested the forms and instructions for submitting the request, which were provided in advance ; however, about 30 days prior to the two-year seasoning of the mortgage loan I was notified that servicing of my mortgage loan was being transferred to Newrez. I contacted Newrez immediately after the mortgage loan was transferred to inquire about their forms and instructions for submitting the same request. Newrez has stated several reasons for not providing the forms in both email correspondence and phone conversations : 1 ) I need to wait up to 60 days after the mortgage loan was transferred, 2 ) they have to establish a PMI account first, and 3 ) they can not provide forms or instructions in advance of the two-year seasoning of the mortgage loan. None of these are valid. My right to initiate termination of mortgage insurance is a XXXX XXXX servicing guideline and the mortgage servicer has no right to impose policies which impede my request. The information provided by Newrez is misleading and predatory. While they attempt to delay termination of mortgage insurance, the consumer is required to continue paying the mortgage insurance they had a right to terminate. We are also in a market of declining home prices, so there is the potential that delaying my request for termination of mortgage insurance could result in a lower home value that would no longer qualify for termination of mortgage insurance. The transfer of my mortgage servicing to Newrez was strategic and intentional. The effort to complicate termination of mortgage insurance only benefits the mortgage servicer and mortgage industry participants.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I have send a previous letter with the fraudulent inquiry but it has not been removed from my consumer file. 
On XXXX XXXX XXXX XXXX was added to my file without my consent. Delete immediately.

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 2023-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credova Holdings Inc
State: FL

Complaint narrative:
Credova told me in XXXX that my last payment was in XXXX. In XXXX they send me a notification that they were going to debt my bank account for another payment of {$160.00} They didnt debit my account and instead are coming back saying I owe them another XXXX. So they didnt take the money and instead are calling me 3-4 up to 5 times a day saying they have sent me to collections and need to resolve the issue. This isnt right, they were supposed to debit my account in XXXX and didnt and are now treating me with reporting to credit bureau .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-10 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove this account as soon as possible. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting a complaint about American Express due to ongoing billing errors, incorrect adjusted balance/minimum payment due, pay over time charges, interest calculations, and fees on my statements starting from XX/XX/2022 closing date statement through present.

Im desperate to get this remedied, as I have spent probably 70 hours trying to get this fixed. This has affected my credit score and created incredible stress personally. 

AMEX has continually messed up my account by not indicating the correct amounts to pay, adding incorrect charges, and misallocating charges that have resulted in massive stress and me unable to determine my payments and budgets around this card. 

Every time I get one thing fixed, another thing goes wrong with it. I would like to request enforcement measures because the errors are always in AMEXs favor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California XXXX); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. XX/XX/XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: OK

Complaint narrative:
I previously applied through student loans.gov to convert my XXXX loans ( all ) to the XXXX plan in XX/XX/2023. I never received anything from my loan serviced AidVantage. 

Then, in XX/XX/2023, I contacted AidVantage customer service, waited on hold for 50 minutes, and then processed another similar request through an agent, and she advised me that my monthly payment would be approximately {$320.00} per month and that I would receive a confirmation from AidVantage that the loan payment terms were being changed. I never received anything from AidVantage. 

Im early XX/XX/2023, I attempted again to contact AidVantage, but after XXXX hours on hold, I had to wait to try again. My loans have not been changed to the XXXX plan, and my first due date is tomorrow, XXXX XXXX. The payment due is approximately {$550.00}. I attempted to call AidVantage again, and have been on hold XXXX minutes with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I wrote a letter to XXXX over 90 days ago and I still have not received an response from them regarding a debt they have added to my credit report. So my problem is I didn't receive notice of right to dispute and when I contacted them they never responded to verify the debt when I asked for it back in XXXX. I was never notified of the status of the results. This negative information has caused a lot of problems over the last few months because I refuse to pay a debt that does not belong to 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 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hello, My mortgage account XXXX was transferred from XXXX XXXX to Shellpoint. 
I found out about the transfer upon logging into my XXXX XXXX  account and seeing the loan was transferred notification with no any further information. 

Ive made MULTIPLE attempts to reach out to Mr.Cooper via phone, app and email to find out who the new company was in order to make the payments and no such information was provided. 

XXXX point failed to send a customer notification to inform me that they are in a possession of my loan. 

They failed to send me any information AND any of the invoices. No any communications were received even though customer service rep confirmed over the phone they had my email and phone number all along yet no attempts were made to contact me. 
Instead they falsely reported my account to credit bureau while failing to send an invoice. 

I found out my account is past due yesterday upon receiving email from XXXX credit services. 

As a result of failure to follow legal requirements and promptly inform the consumer of the loan transfer and send timely invoices, XXXX XXXX caused my XXXX XXXX to drop from XXXX to XXXX. 

I expect company to take responsibility and remedy the damages they have caused.

Im looking forward to your timely response. 

Kind regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: DriveTime
State: NV

Complaint narrative:
OVER 20 YEARS AGO, my husband left and took the car. I bought one in California from what was Drive Time back then. I asked that it was in good working condition and of course it was not. I gave it back. My credit suffered for years. Now, theyre trying to sue me for some tolling clause that was buried in the contract. I am a XXXX yo grandmother, living on SS of $ XXXX. This is ridiculous and wrong. They should not be able to ruin my long worked credit build for a XXXX car loan on XXXX a car I gave back because it was a lemon. I can barely live on what I make. I will not go down quietly

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