vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
As I had previously written, I continue to review my mortgage and the eventual foreclosure. After Wells Fargo sent me back the check for the XX/XX/XXXX mortgage payment and refused to accept further payments, I began to search for an expert in the field of mortgage fraud, which turned out to be XXXX XXXX, owner of XXXX XXXX. XXXX is well known to Wells Fargo. Please see the attached credentials. Soon after receiving her Mortgage Serving Analysis Report, I could not review the report at that time due to personal issues. 

Since my situation has now stabilized, I have completed the review of the report. For the very first time in Wells Fargos recent letter dated XX/XX/XXXX, they indicated that my payment problem which resulted in foreclosure was between XX/XX/XXXX and XX/XX/XXXX. They wrote as follows The account was referred to foreclosure on XX/XX/XXXX, at which time you were due for XX/XX/XXXX through XX/XX/XXXX payments. Attached is a copy of the report showing the dates I supposedly had a payment problem. As you can see, there was no payment problem, as my payments were current and were the correct amount. Wells Fargo posted my payments. You can see the dates on the report as well. Accordingly, there should not have been a foreclosure. This appears to be a deliberate mistake. 

When I discovered there was a consent order created for the purpose of settling errors and mistakes, I knew that what they did to me and my family was more than just a simple mistake. Since there is a pending consent order, Wells Fargo needs to make me whole and has to compensate me for the severe damage to me and my children within the context of the consent order. 

Files attached : Report pages 1-10, Credentials See report page 5 of 6.for payments XX/XX/XXXX to XX/XX/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 2023-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
Forster and Garbus, is pursuing a debt that is past the statue of limitations in New York State, where I live ( 3 years ) They now have a judgement against me, and have the XXXX county sheriffs office threatening to garnish my wages.Forster and Garbus also known as XXXX XXXX claims the default date XX/XX/2019 in which is past statue of limitations here in NY state.I have contacted the XXXX county sheriffs office and they have already said they will have to take action to garnish my wages. This is a debt that is past the statue of limitations. Thank you for your time and appreciate your help,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: TX

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$510.00} XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$210.00}

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 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
My name XXXX XXXX My account # XXXX XXXX XXXX XXXX I bought phone XX/XX/ =check in -online and pickup from near me store. It was XXXX Store of XXXX. 
I chose the payment plan, which is more convenient for me. 
This is a 24 month plan for a single payment of XXXX 
I got approved. I went and picked up the phone at the XXXX XXXX, CA. 
I downloaded the application ( aka XXXX XXXX, but it was TD Bank ( as on TD XXXX Card Servises ), linked my debt card And set up auto payment ( as I thought ). 
And forgot about it. BUT- AutoPay and System Notification is not working in your app. 

But I found out about this three months after the purchase. What saddened me. 
In these months of delay, I did not receive either a letter No any emails. No any SMS about missing payments, nothing. 

somehow I became the owner of a XXXX  credit limit. I did not agree to this. I was deliberately misled. I wanted to buy a phone for XXXX. Everything else is the use of official position to sell credit limits. 

I deliberately became a debtor and creditor who is a millimeter away from a drop in credit rating. The bank did not answer the question why I have a limit of XXXX XXXX. 


I want to get rid of obligations to TD Bank ahead of schedule for deliberately misrepresenting a loan product, hushing up the terms of service. This is the worst banking app I've ever used, which has resulted in my credit rating getting worse and incurring unexplained debts. Help get rid of. Please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: ME

Complaint narrative:
XX/XX/2023 AT XXXX. I was trying to fix my XXXX XXXX XXXX and used XXXX to look for Contact Number of XXXX found the number and called them. They assisted me and after assisting me they told me that my account is not yet completely fixed so I need to purchase a Gift card thru XXXX. They told me they will just cancel the order after the call. After Purchasing 5 gift card they told me that the problem is not being fixed and I should transfer money thru my bank account using Zelle  to a person Name XXXX XXXX with an email XXXX. I told them NO this is a Fraud. They told me they will just return my money. So I transferred XXXX dollars and they told me its not enough. I have to send more money and threaten me that they have access to my bank account and they can transfer more money because they know my Username and Password. So I transferred another XXXX dollars because they are threatening me that they will took all my money in my bank account. And told me its not enough so I transferred again XXXX dollars. I was already anxious at that time and they are still asking me for more money. I disconnected the call and reported it to XXXX and XXXX XXXX XXXX at same Date. XXXX refunded my Gift card after several days but advancial refused to return a total of XXXX dollars that was sent thre XXXX XXXX thru Zelle. The Bank said I should have reported it to the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
This loan is too expensive and they want me to pay bi-weekly. Right now my payments are $ XXXX bi-weekly. I don't care about ever borrowing from the lender ever again, I just want a low monthly payment of {$150.00} a month. They won't work with me on this. Going forward I'm demanding they stop with the automatic payments and just go ahead and turn this over to a collection agency then I can work with them on making a {$150.00} a month payment. If I have to close my account, which I really don't want to do or shouldn't do, then I will. I can only afford {$150.00} a month, but they won't work with me on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
This account is reflecting on my credit report and is a result of my identity being compromised and used in multiple data breaches. It is also a charge off and the reporting agency has violated my rights per the consumer credit/finance laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: NY

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the accounts below in my file : XXXX XXXX Balance : {$1000.00} XXXX XXXX, XXXX. XXXX Balance : {$0.00} XXXX XXXX Balance : {$2900.00}.

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 2023-07-28 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: FL

Complaint narrative:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USDOEXXXX 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 2023-07-28 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: MI

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.

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 non-monetary relief
Consumer complaint received 2023-07-28 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:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: DE

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-07-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I got a small loan from EnerBankUSA through XXXX XXXX to replace a sewer line. In XXXX XXXX, I tried to contact them about increasing my payment but couldn't talk to anyone or do it through the EnerBank website. After a frustrating month, I learned that EnerBank had been bought by Regions Bank. I tried repeatedly to talk to Regions about the EnerBank loan but they didn't even know that Regions bought EnerBank. The most recent conversation on XX/XX/XXXX, I was told that Regions didn't service EnerBank loans. I got a letter from EnerBank saying I owed {$23.00} in addition to the required payment- for what? The customer service number on the letter has been disconnected. Tried to access my EnerBank online account which says they don't recognize my email- the same email they send payment reminders monthly. Federal Reserve told me that Regions bought EnerBank in XXXX. I did not receive a XXXX annual statement from EnerBank or Regions. Where are my auto-payments going? Who is servicing the loan?

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 2023-07-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
On XX/XX/2023 The principal/consumer purchase a contract for a vehicle from XXXX and a check was tendered on behalf of the principal XXXX XXXX XXXX for the purchase. The principal also reserves all its rights, titles, security interest and interest and cant be denied his rights per state and federal law to all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest in any consumer or business transaction. Pursuant to the 15 U.S. Code 1605 - Determination of finance charge is the sum of all charges. I have given and are giving further notice that I did not waive my right or opt out of my rights per state and federal law of all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest in any consumer transaction. On XX/XX/2023 XXXX turned over my check to American Credit Acceptance which is indeed an error as XXXX XXXX XXXX is holder in due course the check should be tendered for accord and satisfaction of the principal performance. I have attached the return and refund notice made out by XXXX of the refund check of ( {$23000.00} ) XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX being sent to American Credit Finance when it should have been tendered to the principal XXXX XXXX XXXX. The principal has given collateral but hasnt received any value for all chattels, checks, titles, contracts, premium, negotiable documents, securities, credits, and interest of the contract and consumer transaction. XXXX and American Credit Acceptance are in violations of ( 815 ILCS 505/ ) Consumer Fraud and Deceptive Business Practices Act. ( The Federal Trade Commission Act, The Consumer Financial Protection Act, The Truth in Lending Act, 12 CFR 1026.2 and The Uniform Commercial Code all governed my state and federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: NJ

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX XXXX, XXXX XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28 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: 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. 
XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX VA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/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 2023-07-28 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: NC

Complaint narrative:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope this message finds you well. I am Submitting this complaint for the 2nd time to follow up my request for the several credit inquiries that were unauthorized be REMOVED from my credit reports. Someone has been inquiring and opening accounts under my name. As per legal advice from a friend and as per your agent, I should file an FTC, which I did and I have attached it to this letter. All credit reporting agencies should remove all unauthorized credit inquiries due to non-permissible purpose under the Fair Credit Reporting Act section 605B within 4 days from date of receipt of this letter. In addition, I am contacting each company listed below to close any and all fraudulent inquiries opened : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief