vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct.

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Sentry Credit, Inc.
State: NY

Complaint narrative:
On XX/XX/2023 I contacted Sentry Credit in writing to discontinue reporting the fraudulent collection account to my credit report as you are in violation of FDCPA. On XX/XX/2023 I contacted XXXX XXXX XXXX XXXX in writing to discontinue reporting the same fraudulent account. To date, Sentry Credit nor XXXX XXXX XXXX XXXX have responded to my request or discontinued reporting the associated fraudulent account to XXXX, XXXX, and XXXX Credit Reporting Agencies. I did not request or obtain credit from XXXX XXXX XXXX XXXX nor am I liable for any debt to XXXX XXXX XXXX XXXX, Sentry Credit, or any factoring company. In addition, I have filed a Police Report regarding these fraudulent accounts and sent a copy to XXXX, XXXX, and XXXX Credit Bureaus to dispute and delete this fraudulent collection accounts and any inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
Due to my previous complaint being closed with no resolution, I am filing another complaint. Credit Acceptance is inaccurately reporting on my credit report. The vehicle was repossed ONE time, and that was the only time. I never once redeemed the vehicle after the voluntary surrender due to the predatory rates and prices. You can see in the response from Credit Acceptance, the amount they are stating is owed is not the same as reported on my credit report. I have called and asked for proof of the vehicle being redeemed. No proof is able to be giving. They have re-aged this account MULITPLE times, and re-aging is illegal. Under my rights with the FCA, this account should be removed from my credit report immediately. Until this is removed, I will continue to dispute and make complaint after complaint because no persons deserves to have this hanging over their head for 7 years ESPECIALLY with inaccurate 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 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo / ASC wrongfully and illegally foreclosed on my home back on XXXX XX/XX/XXXX. Recently, I have read that in XX/XX/XXXX ; the CFPB has ordered Wells Fargo ( WF ) to pay several billion dollars in damages to consumers like myself. I have very solid documentation to prove all facts. I recently contacted WF with no positive results. 
Back in XXXX, I made 7 monthly payments on time under a trial loan modification. WF cancelled the loan mod and refused to accept the 8th payment. By contract, WF should have made the loan permanent after only 3 monthly trial payments. 
During the trial loan mod

, WF / ASC discovered 3 outdated and defunct liens on the property that I had not been aware of. These liens had been made legally and effectively irrelevant a few years prior due to the bankruptcy process I went through. So WF/ ASC requested I remove these liens. The local county courts do not make this a quick process, so it took several months. I stayed in communcation with WF throughout this process. These liens were never any threat to WF because WF was always
unquestionably in first lienholder position. Also, these liens were entirely outdated and ineffective. Removing these liens was only a legal formality ; though still a slow process. However, without warning or communication, the loan modification was suddenly cancelled on XXXX XX/XX/XXXX. The local courts had just finished removing all 3 liens just prior to XXXX XXXX. I immediately contacted WF and even though several WF representatives acknowledged that cancelling the loan mod was a big mistake ; they had no process in place to re-instate the prior loan mod and make the loan permanent. 
I fought this legally for more than 3 years but finally ran out of money to continue paying attorneys. Our family home was foreclosed on and I lost all the equity ( {$150000.00} ) I should have had in the home and my credit was severely damaged for many years due to the foreclosure. This all was so unnecessary and was a traumatic multi-year experience for my XXXX young children as well as myself. 
Furthermore, there was XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) class action lawsuit against WF / ASC where the Judge ruled strongly against WF for exactly this kind of conduct. Corvello vs WF. The Judge stated that not converting trial loan mods to permanent loans when the homeowner had made all required trial mod monthly mortgage payments was a clear FRAUD. He stated it was no different than agreeing to sell a wrist watch for {$100.00}, collecting the {$100.00} ; and then not actually giving the watch to the buyer ......

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This cause of action is for damages based upon Portfolio Recovery deceptive conduct and efforts to collect a debt, Portfolio Recovery failed to comply with the fair debt collection practices act ( FDCPA ), section 15 U.s.c 1692c, governing communication between a debt collector and consumer without my prior consent from the consumer, caused I, XXXX XXXX to be subject to deceptive and unfair debt collection practices by way of causing my reputation to be defamed due to Portfolio Recovery extortionate means to collect a debt. I am bringing this notice to Portfolio Recovery attention to demand that you immediately cease all communication with me regarding the alleged debt you are attempting to collect, and to inform you that you are in violation of the fair debt collection practices act 15 U.S.C 1692c by way of governing communications between a debt collector and a consumer without the prior consent from the consumer, and in violation of 18 U.S.C 892 by way of gaining extortionate means to collect a debt by extortion of credit. Under the FDCPA, debt collectors are required to obtain prior consent from consumers before communicating with them regarding a debt. You have failed to obtain such consent from me, and as such, your attempts to contact me are in violation of the law. I demand that you immediately cease all communication with me regarding this debt, and that you provide written confirmation that you will no longer attempt to contact me through any medium, Furthermore, you have violated 18 u.s.c 892 by attempting to collect this debt through extortionate means. Specifically, I believe that you have threatened to harm my credit score or take other actions that would be harmful to me in order to pressure me into pay this debt. This behavior is illegal and unacceptable, and I demand relief and that you cease such practices immediately. If you fail to comply with my demands, I will be forced to take legal action to protect my rights. I reserve the right to seek damages and other remedies under the law. Please confirm in writing that you have received this letter and that you will cease all communications with me regarding this debt. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MI

Complaint narrative:
I have reached out to XXXX XXXXXXXX XXXX XXXX, XXXX, and Experian about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$860.00}, XXXX, XXXX XXXX XX/XX/XXXX {$290.00}, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have reached out to Comenity Capital Bank, XXXX, XXXX, and XXXX about fraudulent accounts that does not belong to me, I have contacted them multiple times. And they have yet to remove these items from my credit report. I have file a report with the police agency and FTC. All the accounts that needs to be removed are as follows COMENITY CAPITAL BANK/BIG LOTS CREDIT CARD XXXX XX/XX/XXXX {$1800.00}, COMENITY CAPITAL BANK/OVER XXXX XX/XX/XXXX {$860.00}, XXXX, XXXX XXXX XX/XX/XXXX {$290.00}, XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: MD

Complaint narrative:
WE HAVE DISPUTED MANY TIMES AND WE HAVE BEEN OVER LOOKED NOWWE NEEED TO RESOLVE THIS.CONSTANT NEGATIVE REPORTING CAUSING THE LEVELOF OUR LIFESTYLE TO BE CHALLENGED. THIS IS AN OPEN CHARACTER XXXX AND THIS IS ADVERSLY AFFECTING ME THE CONSUMER.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
Mortgage was origionated by XXXX and subsequently sold to Flagstar in XXXX ( i beleive ). 

XX/XX/XXXX was informed that I did not have SUFFICIENT insurance coverage. After proving coverage no further communicaiton was recevied. 

XX/XX/XXXX I was told that they had " sent notification that the amount of coverage provided by my current flood policy was less than they required '' they hadn't told me that since XXXX of XXXX in the info above. 

On XXXX XXXX was billed {$13.00} for insurance. 

Again informed that I had INADEQUET coverage I called AGAIN. Its difficult to get a real live person at Flagstar. Finally connected with an insurance representative who is a contract employee for multiple banks and said that I had an issue with a LAPSE not INADEQUET coverage like the letters stated. XXXX confirmed with someone at Flagstar but when I asked for a name for my records they would not provide that. The agent acknowledge that My insurance company XXXX usually does not have issues. I have been with XXXX for 36 years. 

I want to make sure that we don't keep having this issue with Flagstar. They did not convey the confidence to me that they knew what the problem was and that they could correct the issue. I am contacting on my behalf as well as those who may also be affected by their incompetence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank sent me a statement that there is an escrow shortage of {$7800.00} and increased the monthly payment even though they can not tell me why there is an escrow shortage or where the escrow money is going. My wife and I have been trying to get answers from PNC for about a month now. There was an escrow balance of XXXX, then 4 months later, a shortage of {$7800.00} so a swing of {$17000.00} in 4 months and PNC can not tell me why, " just pay it ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, 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: NC

Complaint narrative:
please delete these company off of my credit profit 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 ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
please delete these company off of my credit profit 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  ( IDENTITYTHEFT, GOV ) FTC Report Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I noticed later payment on my credit report I contacted the company to remove it they never take action on it I was XXXX about this account cause I victim of theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/23, I noticed an unauthorized charge on my checking account for {$210.00}. I reported it in person to Citibank & my debit card was replaced & password changed. A fraud investigation was opened & the amount was returned to me during such. As per usual protocol when an investigation is opened, I received a " followup '' call on XX/XX/23. I was informed that there were other unauthorized transactions being attempted in other states. After answering the " followup '' questions, I attempted to use my debit card & the payment was declined. I was unable to use my online banking app. so I returned to Citibank to find out why. I was told by the banker that unfortunately, the person on the followup '' call was not from Citibank & that my total checking account ( {$1900.00} ) was XXXX  to XXXX XXXX ( someone I do not know ) and I was informed that I had apparently authorized a " person to person '' transaction over the phone. Citibank stated that since I gave information over the phone, they were not responsible for my loss! I have been a customer of Citibank for over 35 years and the protocol of the followup call is always normal to expedite an investigation. How would someone even know that I had filed a fraud investigation with Citibank without a breach in their security network? Please help

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 2023-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
Account : XXXX Creditor : XXXX XXXX XXXX I have no knowledge of this debt, when called my social security isnt the number they have on file. I am victim of identity theft and have no knowledge of this debt. I want immediate deletion from my credit report to further eliminate any turmoil to my future. I have no notice to verify or dispute this debt. To eliminate any legal action or further violation of FCPDA or FCRA rights i would like this removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: NV

Complaint narrative:
Our lease with the XXXX a XXXX XXXX property ended on XX/XX/XXXX. We paid our rent through the month in full. We received a move out statement indicating that we were responsible for XX/XX/XXXX rent, which was incorrect. It took several calls to get a corrected move out statement sent showing we owed no balance and we were issued a check for the return of our deposit. Two weeks later we started receiving non stop phone calls from a collection agency IQ Data. We let them know it was incorrect and asked to stop the calls. They refused and in addition to the harassing phone calls, started sending letters. I submitted a dispute in writing by mail and email, still continuing collection efforts. I have reached out to the XXXX and XXXX and been told we have a XXXX balance and this will be corrected, it hasnt been and on XX/XX/XXXX IQ Data turned the collection account to the credit reporting agencies. I have called IQ Data, XXXX XXXXnd XXXX as well as sent several communications in writing and even filed a dispute with all XXXX credit agencies and XXXX, the first to respond did nothing, made no updates or corrections. I have no idea where to turn, no one will help us correct their mistake.

Company response to consumer: Closed with explanation