vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Im a widow my husband passed away on XX/XX/2013 and we have a reverse mortgage on our home. I am the co-borrower on the signed closing documents. When my husband passed away Wells Fargo came at me with a foreclosure, stating that I was not on the mortgage and that I had to prove that this was my home. They denied that I was a co-borrower and my name is signed on the line that states co-borrower and I had been married to my husband almost 60 years. I immediately seek an attorney to help fix this problem after years paying this firm almost {$30000.00} Wells Fargo in the middle of the process sold my mortgage to another bank and they started foreclosure proceedings as well. Hired another attorney firm and when we were about to finish the process this bank which is called XXXX XXXX thats an affiliate of Wells Fargo I was told sold it to another mortgage company named XXXX Mortgage which made me again start the process all over again. Im an XXXX XXXX XXXX woman that is trying to fix this problem and still have not been able to do so and when Wells Fargo had the mortgage they would not recognize me as the lawful owner of my home even though in XXXX XXXX that I live in the deed of the house is legally in my name. Please someone help me because even my attorney which is a new one can not get through any of these banks to finalize this mistake and deem me the owner of my home. Also, my grandson has been fixing my home because it was falling apart. XXXX put a brand new roof and storm windows and doors new fence and paint so it would not look like a haunted house. XXXX put almost {$100000.00} in upgrades to the house and these people wont even negotiate any

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 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 non-monetary relief
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: LA

Complaint narrative:
Hi, my name is XXXX and I am a victim of Identity theft. There is inaccurate unknown fraudulant accounts and addresses on my credit report. I have reached out to these companies many times and XXXX was deleted and was added back on last week and i didnt receive any notice. It is the same exact account but they fraudulantly changed the dates. XXXX is has fraudulantly updated the last active date. These companies have violated my Hippa rights by notating on my credit report that these are medical accounts. These companies have mentally and physically affected my capability of finding a job due to these fraudulant unlawfal remarks.

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 2023-01-10 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 — Problem with personal statement of dispute
Company: United Revenue Corporation
State: TX

Complaint narrative:
1 - Hello, on XX/XX/2022 I wrote a letter to XXXX XXXX XXXX in regards to my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). They have ignore my request of documents that I had the right to requested in my letter to them of Agreement docs and more as you will see and attached is what was sent to me from their company for the second time as this information they have is unacceptable to my consumer right of the law. 

2 - Also on XX/XX/2022 United Revenue Corporation has also ignored my request of documents that I had of my consumer right of the Debit Collection Act 15 USC 1692g Sec 809 ( 8 ) ( FDCPA ). This is the second time and both times I have been ignored but they continue to report information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Midland Credit Management is saying I owe XXXX for a old XXXX XXXX account from XXXX. This debt was bought in XXXX by Asset Acceptance and went though the court system. It was paid in XXXX and the court issued a " Satisfaction of Judgment '' on XX/XX/XXXX. I've called Midland 3 times and was transferred to multiple associates and told to call back to speak with other departments. I will be mailing them a copy of the judgement even though I shouldn't have to do this but this is still Midland coming after me a debt that is not owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
Lvnv funding llc has been charging interest closed credit card served court paper work to an old address stating I was served I have tried more than once to get this proof they say the served to an address I no longer live and the person refused service and left the docs away! Now the garnishing my wages and refuse to provide me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, I received a replacement Credit Card from Chase card services ... I called the company approximately one ( 1 ) year prior to have the card go dormant ... My balance at that time was around XXXX  dollars however I made automatic payments of XXXXXXXX  dollars per month except for the months of XXXX and XXXX of XXXX at which time I paid XXXX dollars... The total amount paid for the period XX/XX/XXXX thru XX/XX/XXXX was XXXX dollars ... When I received the new card I called to have it activated again and was prompted electronically that I had late fees totaling XXXX  plus dollars which must be paid ... I contacted a representative of the company to discuss this issue because I never was late and normally paid more than the minimum amount due since inception... I was informed that one payment was XXXX dollars short unknown to me and late charges and additional fees kept added each month unknown to me.. The balance owed when I had the account go dormant was around XXXX dollars... The balance owed hasn't changed since I had the account go dormant..If I would have known that on payment was XXXX dollars and not XXXX dollars I would have paid it as reflected in my payment history...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I disputed {$4900.00} for the XXXX XXXX XXXX XXXX XXXX that was added to my credit report in error, this account was opened fraudently and does have my correct social security number. My identification was stolen and someone opened this account I disputed this account with all three credit bureaus and this account and was advised this was verified but it was not verified because my social security information is not correct on this account. XXXX has removed this account because it could not be verified but it is still showing opened on XXXX and experian which violates the fair credit report act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: GA

Complaint narrative:
In XX/XX/2022, a debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. They reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. This company has committed identify fraud by using my information without my consent and for something that was not to my benefit. They also have called an insane amount of times. 


The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2022, a debt validation letter was sent to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX. The company responded with a copy of the contract between myself and the dealership. Per the FDCPA, I refused to send another payment until they sent a certified copy of the promissory note. It never came. They then stole my car, giving my information to someone I gave no consent to, and furnished late payments to the reporting agencies. They reported the repossession and did not attempt to correct or cure the injury done to me. As a result, I have suffered higher interest rates on consumer transactions I have been approved for and have suffered many denials. They have never given me full disclosure or time to opt out of my private transaction being made public. This company has committed identify fraud by using my information without my consent and for something that was not to my benefit. They also have called an insane amount of times. 


The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging 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 explanation
Consumer complaint received 2023-01-10 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: LEXISNEXIS
State: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act XXXX Reference # 's XXXX and XXXX has violated my rights. 15 U.SC. 1681 section 602 A, States : I have the right to privacy. 15 U.SC. 1681 section 604 A Section2 : Its also states a consumer reporting agency can not furnish a account with out my written instructions. I have disputed this information several times and I keep getting the same result Under the FCRA, section 609, I am requesting all information related to debts listed on my credit report. It states that I am entitled to all documents related to each item, including each original credit application and contract containing your signature. XXXX refuses to provide that information.In addition to requesting information about items on my credit report, I am requesting that if they can not verify the information by locating the original contract or other documents necessary to validate the bankruptcies on my credit report, they must remove them immediately. Section 611 of the FCRA. It requests that the credit bureau provide the method of verification they used to verify a disputed item. I asked experian how do the verify the information and they stated with the courts.I called the courts and they stated they do not provide that information to any of the credit bureaus. The credit bureaus get that information from public records like lexis nexus. I will not accept another reinvestigation of the information Only deletion of the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have submitted multiple complaints in regards to a credit card scam I was victim of. I have requested to have someone reach out to me via phone each time. I have yet to receive a phone call about it. When I offered to settle ( this has been impacting my credit while trying to resolve legally ) I was ran through and idc calculator. The collections agent persuaded me to answer one of the questions differently than what I had originally answered. This caused me to be denied a settlement. I have said I am willing to pay everything, including the XXXX fraudulent double charge. The only thing I am asking to settle on is the interest accrued while trying to resolve this. The collections agent told me if I don't pay the whole thing they will just sell the debt to a collections agency and just write off the lost money in their taxes. This is ridiculous and an example of irresponsible lending from Wells yet again. Wells Fargo is a parasite to American society.

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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX I received a mortgage loan from TIAA Bank ( at the time the name of this bank was Everbank ) for a total of {$350000.00}. On a monthly basis I paid a total of {$2400.00}, never missing a payment. On XX/XX/XXXX I sold this home and upon the deal closing on this date, paid the remaining remaining {$310000.00} of the loan to TIAA Bank. Since that date, XXXX has continued to debit my account for {$2400.00} on a monthly basis totaling {$52000.00} as of today, XX/XX/XXXX. I first contacted TIAA bank to resolve the issue on XX/XX/XXXX. Despite being told that this issue was resolved and I would be receiving a refund, it has still not been resolved and my account continues to be debited on a monthly basis. I have continued to try and contact the company to resolve this issue to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
This card was fraudulently opened in my name it was not me and i need it resolved as soon as possible thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: VI

Complaint narrative:
During this week alone, I have had XXXX phone calls to my cell phone from XXXX, XXXX, and today XXXX. All are identified as Portfolio Recovery Service licensed to do business in XXXX VA. There is never a message left. I never have gotten any formal written communication from this company. We do not have a mortgage, car loan, student loan or unpaid medical bills. We pay the balance of our credit cards each month. If this was REAL instead of a robo call or scam, there would be written communication. I see in 2015 there was a formal filing against this company. Why are they still in business? Why would any governmental body allow a company like this to get a license to operate in their jurisdiction? 

What do they expect to get out of a call if I did pick up the phone? Do they target people of a certain age, i.e., XXXX? Yes is the answer to that. I want the calls to stop. That is the resolution I want and my second request is that the federal government put a stop once and for all to these practices. I reiterate. If they had a reason to be calling me, I would have some sort of written communication as to the supposed debt. 

Lastly, I'd like to say XXXX things. My husband was a XXXX XXXX XXXX XXXX XXXX  and he would like to see all the companies that operate in this fashion, prosecuted. Second, by all means, please publish this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX has been paid in full. The company website has no way to attach receipts of payment.

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 2023-01-10 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: IL

Complaint narrative:
XXXX has been paid in full. The company website has no way to attach receipts of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
SEE ATTACHED COMPLAINT

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 2023-01-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX  has been paid in full. The company website has no way to attach receipts of payment.

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 2023-01-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2022, my XXXX XXXX engine went out while my wife and children were traveling from XXXX headed to XXXX. The local tow truck to a garage where the mechanic diagnosed the vehicle and said itd cost way too much to fix given the value of the car and how much was still owed on it. An economical decision was made to relinquish the vehicle to XXXX XXXX. They sent mail stating theyd keep the vehicle if I couldnt pay it off ( as if that made sense as I told them why I relinquished it to them ), keep the promissory note, and furnish the repo onto my report. They did not disclose I had to consent and state I wanted the repossession reported. XXXX XXXX also reported multiple late payments which violates XXXX5 USC 1681a ( 2 ) ( a ). My transactions are not supposed to be reported at all, good or bad. I believe XXXX XXXX wanted to willfully injure me. They never responded to my response and have continued to call harassing me. The initial letter had a threatening tone to it. The reps that called and those who answered when I reached out with concerns were also snippy. If that has any relevance. 

The Credit Reporting Agencies ( acting as Bureaus ) are guilty of not receiving a court order or express written consent from me, XXXX : XXXX and proceeding to furnish damaging information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation