vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I own a condominium, where my elderly relatives live.I have been trying to modify the loan for several years and every time I apply for a modification, it is denied. The servicer os Wells Fargo, During the modification process, Wells Frago requested that I will need to make exorbitant payments of " A Repayment Plan calculates the borrowers ability to pay the regular contractual payment, plus a portion of the past due payment over a 12 month period. Due to this loan is 150 months past due with a past due balance of {$160000.00} this option is not affordable as the borrower would need to be able to pay {$16000.00} per month. 

An Extension plan takes the past due payments and places them on the end of the loan term, thereby extending the loan term by the number of past due payments. In this scenario the borrower must be able to afford the current contractual monthly payment due to the extension plan does not reduce the payment amount. Even if the payment was affordable the Extension plan still would have been denied as the Extension plan can only extend the loan by 12 monthly past due payments, and the loan is past due for XXXX payments. The decision stops at the first denial reason available, so that is why the extension plan has a denial reason of can not afford modified payment and it did not list the secondary denial reason of outside delinquency limits. 

The Proprietary modification was denied due to an affordable modified payment could not be made. The modification was calculated with the maximum term allowed of 480 months and the minimum interest rate allowed of 2.00 %, which resulted in lowering the payment, however it was not enough to meet the affordability requirements. 
UPB {$200000.00} 480 months 2.00 % P & I {$600.00} Taxes {$300.00} HOA {$360.00} Total Modified PITIAS {$1200.00} Primary Residence PITIAS {$2400.00} Total Housing Payments {$3900.00} The borrower has {$4900.00} in other credit debts, which calculates the total DTI at 89.990 %. Due to this being an investment property the total DTI can not be over 55 %. " I also applied for a deed in lieu and Wells Frago denied the request, stating that the document I provided was invalid, although, I did not provide any documents. There is no valid explanation and my relatives will be left to live in the streets,

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

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. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I am filing a formal complaint regarding the unlawful reporting of a charge-off on my credit report by [ Insert Credit Bureau Name ( s ) ]. The inclusion of this account violates multiple federal laws under the Fair Credit Reporting Act ( FCRA ) and other applicable statutes, as detailed below : Violations : 1. 15 U.S.C. 1681 Section 602 : This section establishes my right to privacy. The reporting of this charge-off without my explicit written consent infringes on my right to privacy.

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : This section prohibits consumer reporting agencies from furnishing accounts without my written instructions. I have not authorized this charge-off to be reported on my credit file, making its presence a violation of federal law.

3. 15 U.S.C. 1666B : This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late if conditions of proper notice and timing are not met. The charge-off was improperly applied and reported.

4. 15 U.S.C. 1681s-2 : Furnishers of information have the legal responsibility to ensure the accuracy of information provided to credit bureaus. This section prohibits reporting information if the furnisher knows or has reasonable cause to believe it is inaccurate. This charge-off contains inaccuracies and should not have been reported in the first place.

5. 15 U.S.C. 6802 : This statute reinforces my rights to financial privacy. By reporting this charge-off without proper notice and consent, my rights under this law have also been violated. 

Complete payment history, the requirement of which has been established by XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.

* Date of Last Activity * My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.

* Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe * Proof of photo my state iD DL Passport

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 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
Today I called discover to to fix my issue, however, the rep by the name of XXXX XXXX me when I requested a manager, I provided all the documentation for a dispute in the amount of XXXX Disputed on XX/XX/year> I never stay at this hotel I submitted a health issue with the local authorities government authorities regarding this hotel it was a risk for any consumer. I have communicated this to discover however they have the charge. 
Attached is the formal complaint for health issues against the business

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive filed numerous disputes with Experian for accounts that were paid in full and the creditor gave documentation that the accounts were paid off and any negative information was to be removed as agreed upon however Experian refuses to remove the information and continues to mark it as updated information with incorrect payment history and status. Even with the submitted documentation from the original bank/creditor experian will not update or remove any of the information. Ive seen many articles and forums online from people claiming Experian has done the same exact thing to them. Both XXXX and XXXX removed the information once the supporting information was included in the dispute, Experian simply refuses to update it correctly.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong 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. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally request assistance regarding a matter with the three major credit bureaus ( Experian, XXXX, and XXXX ) and the inaccurate reporting of an account on my credit report. 

The creditor associated with the account [ XXXX XXXX XXXX ] issued an IRS Form 1099-C for the account, which signifies that the debt has been canceled. Despite this, the credit bureaus have not updated my credit report to reflect the corrected account balance of {$0.00}. This account has been paid off, and the balance should reflect accordingly. 

To address this issue, I have taken the following steps : Contacted the Credit Bureaus : I filed disputes directly with the credit bureaus, but the reports remain unchanged. 
Provided Documentation : I submitted proof, including a copy of my IRS transcript Despite my efforts, the account information remains inaccurate, which negatively impacts my credit score and financial standing.

I am requesting the Consumer Financial Protection Bureaus assistance in ensuring the credit bureaus comply with the Fair Credit Reporting Act ( FCRA ) and accurately update my credit report to reflect the canceled debt and {$0.00} account balance. 

Enclosed, I have included copies of the following documents for your reference : IRS Form 1099-C issued by the creditor Copy of my IRS transcript Thank you for your attention to this matter. I trust the CFPB will assist in resolving this issue promptly. 

Sincerely, 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 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: OR

Complaint narrative:
I received a text message asking if I made a charge on my account in the amount of {$360.00}? I responded NO. I then received a text back stating that someone from Chime would be calling me back that they have placed my payment under review and restricted my online backing account., that a agent will dispatch a call to me momentarily. I then received a call from someone stating that they where a chime employee contacting me regarding the charge of {$360.00}. They told me that my account had been hacked and that I needed to transfer my money ( {$710.00} ) in my credit builder account to my checking account. So I did. Then they gave me a a XXXX digit number ( XXXX ) saying that this is my new credit builder account number and I needed to transfer my money to it, so I did. But I noticed that the name that came up was $ XXXX XXXX and not mine. When I questioned the man from chime who was on the phone with me about this he hung up. My money had already been transfer. I immediately called chime to alert them of what just happened. They opened a dispute for me and and took down my statement. I provided them with a screen shot of my text messages from them alerting me to the unauthorized charge, and that a agent will contact me. I also sent a screen shot of my call log of the call with the time and number I was called from. as well as a screen shot of the transactions sent to the number I was told was a my new account number. I received a email with the conclusion to the dispute and it was denied. I Stating that a s part of the investigation a review of the system was preformed in addition they found no error on their part. I called to re-dispute the denial. Chime asked me to write a statement of what happened So I wrote out everything I have described here along with all of the screen shots I described above. to get the same denial as about. I called Chime again and filled another dispute of the claim again to start the same process over again as described above to get the same denial as before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
My loan accounting was previously done through mohela.com which incorrectly calculated money owed which resulted in me overpaying on several loans that I attempted to pay off. Thus, I am owed refunds on those loan payments. However, they have never issued the refunds. Though I could see in mohela.com that I was owed a refund. I've called about it several times and customer service confirms a refund is owed, and tells me to be patient. However, its been months now and I have no means to contact customer service. Everytime I schedule a callback nobody calls me back. I've waited for two hours before and not gotten through to anyone. Aside from all that they removed my access to mohela.com and told me to use mohela.studentaid.gov to manage my loans now. However, they didn't transfer any of my payment history to the new mohela.studentaid.gov platform. There are also tons of glaring issues with the site. I recently tried to pay off the rest of my loans. They took all the money, but only moved one of my loans to a paid off status. The rest still show forbearance even though I paid them off in XXXX. And when I click on the one that is paid off or any of my other paid off loans the site says an error occurred and won't show me the loan. The site also won't show me the interest rate on any of my loans. All of these issues are unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account with TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
According to my Credit report, I have a derogatory mark on only my XXXX report, appearing with a balance of {$7300.00} reported by National Credit Audit Corporation dated XX/XX/year>. The original creditor is noted as The XXXX At XXXX. These bogus charges were made in connection with a lease/rental agreement ( for which I was only an occupant and not listed as a lease holder ). According to the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide me validation of information within 5 days of initial contact. This includes, written notice of the debt, name of the creditor, and my right to dispute said debt, and phone number and address for me to contact them. It has been 5 years, I have never heard from any debt collector about this debt. I have only ever seen it on my credit report. It has been removed from all major credit bureaus with the exception of XXXX, for it being fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/year> I filed a dispute with Truist Bank about my card being stolen and funds taken from my account. I got a letter about 1 of the 2 transactions that where made. After I filed an additional dispute about the other fraud charge they closed my account.

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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I reviewed my credit report and noticed multiple errors regarding late payments that don't align with my usual payment behavior. Please rectify these discrepancies and update my records. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: ID

Complaint narrative:
On XX/XX/2024, I received a letter from XXXX XXXX XXXX and called them to dispute a debt that is not valid and that I thought was cleared up almost two years ago. One representative hung up on me when I questioned how I could know the letter and claim were valid before sharing my personal information. At approximately XXXXXXXX XXXX mountain time I was speaking to a different representative who had identified himself as XXXX XXXX. Despite repeated requests, XXXX refused to provide information on how to dispute this claim. I feel he was trying to prevent me from exercising my right to dispute the debt by providing misleading or obstructive information. After he hung up on me, I reached a different representative who was helpful and told me what step I needed to take next. 
While I eventually got the information I needed and was able to proceed, I found the behavior concerning and potentially a violation of FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
Louisiana child support enforcement was contacted to prove obligations owed to them. They have been reporting to my credit for 2 years now unlawfully. Furthermore I have used Lexington law and XXXX XXXX to assist with raising my XXXX score.

Company response to consumer: Closed with explanation