vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We went to the bank branch office last week to pay our mortgage off. It was a substantial check amount. We got a receipt that said it was paid. The next day our bank showed the check cleared. We go into the Wells Fargo portal and it shows the payment is sitting in an " unapplied funds '' account and it also shows we still owe and are delinquent on our XXXX  payment. Isn't this a violation of the law? Aren't banks supposed to post your payment within 24 hours. It's now 5 days that this payment has not posted! It's concerning because they told us the third day when we called it would be posted on Monday but is still was not posted. So we called Monday and they said it will post by end of day Monday now. Because of prior past experiences with this bank and the large amount of money that is sitting in " unapplied funds '' and a possible violation of banking laws, we thought it would be best to file this complaint and have the CFPB look into this matter.

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 2023-08-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Credit Reporting Agency is allowing accounts that are not mine to exist on my credit report when I have contacted the creditors and they can not verify any information about me to prove that the accounts that are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-08-07 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: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
These accounts and inquiries are not mine they was made without my permission, or consent, inquiries, XXXX Reported : XX/XX/XXXX, XXXX XXXX Reported XX/XX/XXXX, XXXXXXXX XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX Reported XX/XX/XXXX, XXXX XXXX Reported : XX/XX/XXXX, All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reviewed a recent credit report with many inaccuracies regarding my inquires, I have already been a victim of identity theft in the past I believe someone else used by information fraudulently to try to gain access, due to the amount of inquiries reporting to Experian, XXXX & XXXX it has taken a big hit on my credit which is negatively affecting me here are all of the following inquires with dates that were done without my consent. 
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 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 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX & Ally Bank is in violation of Missouri Laws 408.140 & 15 U.S.C. 1605 ( a ) and the T.I.L.A. in that the price of my vehicle was inflated to give a larger compensation to the dealer and the bank by adding charges ( GAP, Easy Care, Administration Fee ) to the amount financed instead of the finance charge. This is a violation of Truth In Lending Act ( T.I.L.A. ) because Regulation Z prohibits creditors from compensating loan originators for anything other than the credit extended and for steering consumers to unfavorable options for the sake of higher compensation. Fraud involves a false representation of facts intentionally designed to provide the Perpetrator ( person aware of information ) with an unlawful gain or to deny a right to a victim ( person not aware of information ). XXXX XXXX XXXX XXXX & Ally Bank is in violation of 15 USC 6803 T.I.L.A. ( Truth In Lending Act ) in that full details of Ally Bank policy are not comprehensible to affiant with a clear format and design for clear and conspicuous disclosures of policies and practices.This action of Dealer and Bank Fraud has caused damages in my financial forecast and life considering the time and effort it takes to save a portion of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I hope this message finds you well. My name is XXXX XXXX, and I am writing to request a thorough review of my account regarding the Naivent settlement. I firmly believe that I qualified for the settlement, and I would like to provide additional information to support my claim.

I understand that the settlement process has been ongoing, and I appreciate the efforts put forth by your team in handling these matters. However, after reviewing my account details and the criteria for eligibility, I am convinced that there might have been an oversight or misunderstanding during the initial evaluation of my case.

To facilitate the review, I would like to outline the key points that support my eligibility for the Naivent settlement : Upon review of my account, they specifically requested that I take a Forbearance numerous times which I believe I qualified for the settlement, such as meeting the specified eligibility requirements or experiencing the specified circumstances, I've also attached the account history for the life of the loan. 

If applicable, I will provide any additional relevant documentation or evidence that supports my claim. 

I assure you that I have thoroughly reviewed the settlement terms and conditions, and I believe that my situation aligns with the specified criteria. It is essential to me that my claim is given a fair and comprehensive evaluation. 

I kindly request your prompt attention to this matter. If there is any additional information needed or if you require clarification on any aspect of my claim, I am more than willing to provide it promptly. 

Please acknowledge the receipt of this message. 

Thank you for your understanding and for giving my request the attention it deserves. I eagerly await your response and a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX of XXXX  checks were stolen from our mail box one was cashed in which the individual change the name of the Payee by altering the check. I bank with Chase and contacted them to put a stop payment on all the checks that were stolen. Only a check was processed by XXXX  XXXX XXXX for the amount of XXXX. I gave Chase all this information check number, amount and their staff put in the wrong information. This is what they claim reason why the check was cashed. Chase has not returned the money even though I bank with them and they told me that XXXX  XXXX XXXX is responsible. I need help in getting this issue resolved and money return. I gave Chase the information to place a stop payment on check. They didn't enter the correct information and now they keep pushing me along that it could take up to 90 days to resolve the issue. its been 365 days and issue has yet to be resolve. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed numerous complaints about the fact that TransUnion LLC is reporting inaccurate information on my personal credit report. At the same time TransUnion LLC is providing a wrong evidence in response to my complaints. For example, in my latest complaint from XX/XX/2023 I complained about that I do not recognize an inquiry from XXXX XXXX XXXX  XX/XX/2023. In response to my complaint TransUnion LLC sends me excerpt from my an INDIVIDUAL account - XXXX XXXX XXXX which I never complained about. Please see TransUnion LLC investigation result letter attached that clearly states that this is individual account and in my complain I clearly dispute some not related to my business account that I never applied for. Just in case I am attaching the complaint letter that I sent to TransUnion LLC. 
In addition TransUnion LLC is reporting other inaccurate information on credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased a condo in XXXX for {$50000.00} with Wells Fargo as the lender with an XXXX APR. In XXXX, I did a [ mortgage ] re-modification loan under Wells Fargo XXXXs program to avoid foreclosure. I was told not to pay any payments until the modification went through. This process took relatively XXXX months with me sending paperwork back and forth. After the process, I noticed my payments went down roughly {$75.00} put my XXXX stayed the same which is what was odd at the time. My principal balance in the last quarter of XXXX showed a balance of {$45000.00}. However, when I filed in XXXX my balance was {$50000.00}. In XXXX Wells Fargo sold my mortgage to another lender XXXX XXXX XXXX which I was told that they had a right to and do it from time to time. Today I noticed that my principal is XXXX with XXXX. I recall Wells Fargo class action lawsuit where I received a small card and sent it back but never heard anything from it. I also recall a few banks such as Wells Fargo XXXX XXXX XXXX XXXX being sued regarding modification loans. I've been at my place for over 20 years and just paid {$3000.00} on my principal? I would like help regarding an investigation into this practice. As a minority, I should have at least {$10000.00} toward my principal. I feel that Wells Fargo has taken advantage of this situation and myself. After the class action lawsuits, it seems they sold my mortgage to perhaps cover this up. any help or leads regarding the next step will be appreciated.

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 2023-08-07 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: OH

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX & XXXX ( XXXX Creditor : XXXX  ) XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX have 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-08-07 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I wrote Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Elite Recovery Group LLC
State: WA

Complaint narrative:
Hello, I noticed an account on my credit report, but when I look up the business it does not have an active business license. I am attaching the file for reference and a link to the Washington SOS : https : //ccfs.sos.wa.govXXXX? XXXX XXXX XXXX Additional Ref XXXX XXXX XXXX XXXXXXXX When I reached out to the company I was connected to someone working for XXXX XXXX located in Arizona. I could not find an active business license for a company under the aforementioned name on the Arizona SOS website. 

I live in XXXX, WA and the alleged debt seems to be generated from a business in XXXX as well. 

I felt like I should let someone know as this doesn't seem right to me. If I need to contact a different department or organization please let me know. 


Thank you, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: Fairway Independent Mortgage Corporation
State: MA

Complaint narrative:
Senior Loan Officer XXXX XXXX Picked Up the Instrument at the Post Office on XX/XX/2023, XXXX XXXX, XXXX. As of now this Draft has been dishonored since Senior Loan Officer XXXX XXXX has willfully chooses to accept payment instruments and refused to provide payment for the consumer goods. We have contacted this person in good faith in regard to his duties to perform on our behalf on Wednesday XX/XX/XXXX, XXXX XXXX. This theft of payment and unethical business practices has caused us damages and we are entitled to immediate redress. We were then contacted by XXXX XXXX Corporate Counsel of Fairway Independent Mortgage Corporation which she chose to slander our reputations and person in regard to this consumer transaction. She then proceeded to give us legal advice which directly interfered with our unalienable rights of freedom and privacy as consumers. The response from this lawyer was on Wed, XX/XX/XXXX, XXXX in retaliation to our rights and email to XXXX XXXX XXXX This prohibited conduct by Fairway Independent Mortgage Corporation which is a Mortgage Banker company must comply with the law and be held liable for all damages to prevent any additional damages. Since there is no money, we can only take equity goods and services. Please be advised ignorance of the law is no excuse or defense. This is a public emergency where this has directly affected our living situation. The CFPB has a moral and legal obligation to uphold and enforce our rights. Thank you in advance. 


Fairway Independent Mortgage Corporation has willfully and knowingly refused to comply with our unalienable rights and the UNIFORM COMMERCIAL CODE ARTICLE XXXX - NEGOTIABLE INSTRUMENTS which has caused us direct emotional and mental distress.

Company response to consumer: Closed with explanation