vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Early Warning XXXX XXXX XXXX XXXX XXXX, AZ XXXX Dear sir, I have received a letter from XXXX XXXX, which copy I enclose with this letter regarding my inquiry on the previously mailed documents of bank transaction record. XXXX XXXX kindly sent the letter to XXXX XXXX, who is the joint account holder, and somehow, XXXX mentioned me as his wife, not a joint account holder, legally. As you can see, XXXX mentioned that the second checks were meant to the cleaning bank which the checks were processed. I do not recollect clearly where our joint account checks clearing banks, but at least, most of my bank checks, which meant the checks of XXXX XXXX  XXXX, should be based in New Jersey ; since most of the companies I had dealt were based in New Jersey. Maybe, you might ask me later to ask the banks about these companies and I can check by myself since I remember which checks are meant to which companies. If possible and necessary, I would like you to provide the addresses of each branch in PA, TX and other states written in the record. 

Also, I received the calls from your company several times on Thursday, Friday, and Tuesday. On Thursday, XXXX XXXX, Friday, XXXX XXXX XXXX, and Monday, again XXXX XXXX called me. I could not understand what they were talking, at least, I know they were trying to mention something about XXXX XXXXXXXX XXXX account and my ID ; especially XXXX XXXX XXXX talked for 3 minutes in my voicemail. I prefer succinct and clear explanation what your company wants since it is not easy to figure out what they want to tell me even if I tried to read the transcripts of voicemail. I prefer the written formats. And I suggest appointing only one person for a possible customer. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I sought a loan modification from my lender to address XXXX months of delinquency, aiming to rectify the situation and regain financial stability. After negotiations, we seemingly reached an agreement : the overdue amount would be tacked onto the end of my loan, enabling a fresh start. 

However, the following month, shockingly, my total loan balance ballooned to $ XXXXmore than double the remaining balance. Perplexed, I scrutinized the remodification document, anticipating a simple error. To my dismay, it cited an outstanding balance of {$98000.00}, significantly diverging from the actual remaining balance of {$46000.00} relayed during our discussions. 

Initially chalking it up to a misunderstanding, I expected a swift correction. Yet, to my dismay, subsequent mortgage statements mirrored the inflated amount, leaving me dumbfounded. This egregious discrepancy defied reason, as no rational individual would knowingly consent to doubling a mortgage, especially nearing its completion. 

Residing in my home since XXXX, diligently paying the loan over the years, the sudden surge in indebtedness to near the original purchase price bewildered me. Seeking clarity, my attempts to engage with customer support yielded frustrating responsesacknowledgment of the anomaly, yet a disheartening admission of powerlessness to rectify it. 

Reviewing my documentation, the XX/XX/XXXX statement of {$46000.00} reflected the previously agreed-upon balance of, starkly contrasting with the exorbitant sum abruptly thrust upon me in XXXX of {$98000.00}. This stark contrast highlights the predatory nature of the lending practices employed, leaving me feeling exploited and disenfranchised. 

In essence, this situation epitomizes predatory lending, where borrowers are exploited through deceptive practices, jeopardizing their financial well-being and undermining the trust essential in financial transactions. 





I have lived in my home since XXXX and have been paying off of the house since then. This {$98.00}, XXXX takes the home nearly back to the price for which I originally bought the house. I have no idea how they could do this and when I call to speak with support, I'm told by the employees that it doesn't make sense to them either but " there's nothing they can do ''. The documentation that I do have has the statement in XXXX with a XXXX balance and then in XXXX it becomes XXXX for which I am trying to dispute because that is nearly the price of the original mortgage and I would essentially almost pay for the home twice. These are clearly predatory mortgage lending practices, and I feel that I have been taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year> my Wells Fargo everyday checking account was issued the first of TWELVE {$35.00} overdraft fees. When I called to have it corrected, because it was falsely initiated by the systems failure to keep up with the transactions and my ending balance for the day my transaction went through was in the positive by {$38.00}, the phone representative told me there is a new policy for overdraft fees and they will not refund it as they have refunded one for me already and informed me that I can not request for a refund of these fees again for 12 months. She said it was a new policy but according to all information I can locate the fee addendum occurred in XXXX of last year and Ive had their system error fees refunded several times over ( because they are arbitrarily issued to make the bank more money ) since that time so she gave me false information. The supervisor acknowledged that there was an error on their end but also refused to return my funds. In the XXXX days to follow, they initiated an outrageous {$350.00} total in the same fee. But all because of THEIR fee putting my account in the negative! My deposits were enough to cover what I was spending- but they again refused to reverse the fees and I was forced to pay them all out of my social security check that was later deposited. It took out {$310.00} of money that I NEED. They are robbing me and treat me like Im supposed to be thankful. Ive also attached a photo from my last statement to indicate that they have been doing this all year slamming my account with overdraft fee but this month they took it all too far. Additionally their policy states ( see attached ) that if an ending daily balance shows in the positive it will not be assessed a fee. When I brought that up to the phone agent she said its because it was pending. I said but so was the deposit and she says oh it doesnt count pending for deposits.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX, XXXX, & Equifax continue to report inaccurate information on my consumer file. There are several names and addresses that do not belong to me. This is causing me harm and to be denied credit. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other information listed on my consumer file. 
The consumer agencies are required to report accurate information according to federal law. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, Experian, & XXXX continue to report inaccurate information on my consumer file. There are several names and addresses that do not belong to me. This is causing me harm and to be denied credit. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX there should be no other information listed on my consumer file. 
The consumer agencies are required to report accurate information according to federal law. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
For the past nine months I have been submitting disputes online to the credit bureaus, ( all three, XXXX, XXXX and Transunion ) to remove an account from my credit profile that is NOT MINE. I HAVE NO IDEA what this account is, where it came from, whose it is, or why it is on my credit profile. This revolving credit card does not belong to me and is negatively affecting my credit profile. I demand, after nine months of disputing with them, that this be removed IMMEDIATELY.

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 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
For the past nine months I have been submitting disputes online to the credit bureaus, ( all three, XXXX, Equifax and XXXX ) to remove an account from my credit profile that is NOT MINE. I HAVE NO IDEA what this account is, where it came from, whose it is, or why it is on my credit profile. This revolving credit card does not belong to me and is negatively affecting my credit profile. I demand, after nine months of disputing with them, that this be removed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I looked over my credit report and noticed some inaccuracies with my 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 explanation
Consumer complaint received 2024-04-30 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: SC

Complaint narrative:
Delete for inaccuracy because the payment history reflects continued reporting after this account was closed on XX/XX/2018. You are illegally causing this to re-age the account. It is not legal for you to ignore my dispute and I'm seeing that this is the exact same thing you're doing to millions of other consumers based on the complaints on the CFPB website, in addition to the lawsuits that are against you for failure to perform investiations pursuant to federal law. As is my right, I am requesting a reinvestigation of the following inaccurate information and am including NEW and RELEVANT information taken directly from my credit report, which can't be refused or ignored by your organization. XXXX XXXX Account # : XXXX or XXXX I have submitted proof of screenshots because you failed to do an investigation. I'm including the CFPB complaints I've submitted againt you for failure to legally verify and correct this account. Continued reporting of this account is illegal. I do require a new credit report reflecting these chageds as well, mailed to the addess at top of letter.

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 2024-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I lost {$50000.00} due to a crypto platform, a company called XXXX XXXX  I purchased {$50000.00} worth of bitcoin and sent it in increments of $ XXXX to $ XXXX between XXXX of 2023 to XXXX of 2023. Odd things stared happening and I later learned Im XXXX of 2023, it was a Ponzi scheme. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

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 2024-04-30 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX XXXX  Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

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 2024-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I viewed my credit report and noticed that there are incorrect accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. 
Please remove these accounts from my report. They are hurting my ability to obtain credit. I do not recognize these accounts and did not authorize them. They are reported by third party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-30 00:00:00
Product: Credit reporting 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: TX

Complaint narrative:
There are some fraudulent inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-30 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: IL

Complaint narrative:
According to the statutes outlined in 15 US Code 1681 ( e ) and 15 US Code 1681 ( 5 ), this account is in breach for failing to provide completely accurate information. It falsely attributes the bankruptcy court as the source of information, which is deceptive and constitutes forgery, especially considering the court does not typically report such accounts. I hereby formally request the immediate removal of these accounts to uphold the accuracy and reliability of my credit profile, as mandated by law.

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 2024-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my consumer reports and noticed that i had late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. I dont believe I was 30 days late from the due date, please investigate and provide me proof for that too.Thanks! Please see screenshots attached :

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