vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
I requested a loan payoff in XX/XX/XXXX. Once received I sent it off usps certified mail with a negotiable instrument for the total amount needed to satisfy the balance due on the account. I can upload the proof of delivery. A few days after it was delivered, I followed up on a call to verify if the account was settled with United Wholesale Mortgage the servicer to my mortgage. The agent stated to me they could not find anything in the system showing receiving of any tender of payment. I waited a few weeks to see if it would turn up and it has not. I then ordered another payoff and sent in another instrument for the total payoff. I have the proof of delivery which i can upload. The agent at United Wholesale Mortgage ( servicer ) once again stated it they could not find the payoff and the instrument. 
31 CFR 596.307 - Monetary instruments.

596.307 Monetary instruments.

The term monetary instruments shall have the meaning set forth in 18 U.S.C. 1956 ( c ) ( 5 ), as from time to time amended. As of the effective date, this term includes coin or currency of the United States or of any other country, travelers ' checks, personal checks, bank checks, and money orders, or investment securities or negotiable instruments, in bearer form or otherwise in such form that title thereto passes upon delivery.

15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: DISCOVER BANK
State: VA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I believe my information are in someone else hands or was part of a data breach these inquiries dont belong on my credit file and I would like them 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 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These inquiries do not belong to me and are fraud. I have included the identity theft reports as well. 

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 non-monetary relief
Consumer complaint received 2023-05-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XXXX XXXX XXXX we bought a new air conditioning unit. The company XXXX XXXX XXXX XXXXXXXX offered us a XXXX interest payment plan serviced by Wells Fargo. We had to pay the full amount by XXXX XXXX XXXX. 

We set up automatic payments of {$310.00} a month, knowing that we would have to send additional payments prior to the deadline. We never missed a payment. A few months before the deadline we made XXXX additional payments of {$1500.00} ( XX/XX/XXXX ), {$500.00} on XX/XX/XXXX and {$620.00} on XX/XX/XXXX. We also set up extra payments for XXXX and XXXX for {$310.00}. Just to be sure we were covered I sent an extra {$3.00} on XX/XX/XXXX. 

So imagine our surprise in XXXX of XXXX when we saw a charge for {$310.00} come through our bank app. I called and found out that Wells Fargo did not take the extra XXXX autopayments of {$310.00} because they said their system only accepts minimum payments so they did not process the XXXX extra auto payments. 

Because their system did not accept the payments, they were charging us {$3600.00} in back interest. 

I opened a complaint and they are agreeing to waive {$1700.00} if we pay {$1800.00} by XX/XX/XXXX. 

I consulted a lawyer who advised that I pay the balance because Wells Fargo is famous for messing up people 's credit. I have had an XXXX credit rating for several years. WE paid on-time the whole duration of our agreement and made a good faith effort to pay the balance. Wells Fargo 's website is very misleading.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
I received an intent to foreclose from Specialized Loans stating I owe {$46000.00} dollars on a second mortgage originated on XX/XX/XXXX. I modified both loans on XX/XX/XXXX with XXXX XXXX and never with Specialized Loans, and I am current on my mortgage payments since, and I am not delinquent with my Mortgage servicer. I responded with a qualified written request for information on mortgage assignment accounting and an original note. They responded by sending me a payoff quote for {$79000.00}, and that was it. During the qualified written request, they sent a man to my home to tape white letters to my door, which stated to call your mortgage company. This company has not complied with the FDCPA rules and is taking a very aggressive stance toward forcing payment by threatening foreclosure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent you a letter last XX/XX/ but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
When my lender tries to pull my credit report it's not showing up because of a technical error or some error. I called equifax and corelogic and they said there's no freeze on my report. This error is causing me not to be able to get my home loan and needs to be fixed asap. 

XXXX XXXX has tried to pull my Equifax report numerous times and is unable to. They do not have a problem pulling it from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir / Madam I noticed that my credit score had decreased by more than XXXX points, I have worked extra hard to keep my score high and divulge into exactly what is making my score at the number that it is. 
When I checked I saw an inquiry that is not familiar to me that took place on XXXX XXXX XXXX  to XXXX XXXX XXXX XXXX. 

In addition there are XXXX negative accounts on my credit report that should be removed from Capital One. 
Then to add insult to injury-My old card has expired -Capital ONE has refused to send my new business credit card-because of the past issues that I have had with them. I spoke to a supervisor XXXX XXXX-she informed me of this, I have been vigorously attempting to remedy this incident. So the account of XXXX is still open, only I have NO physical card. They are holding my account hostage as retaliation. This is totally against the law I know it is. I am seeking legal advice on this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Experian, I am writing to dispute an error in my credit report which is harming my credit score. According to my credit report, I have an Apple by Goldman Sachs credit card account that is currently open. However, this account was closed in XXXX of XXXX and I have proof of the closure provided to me by XXXX. 

This inaccurate reporting is in violation of my consumer rights, as outlined by the Fair Credit Reporting Act ( FCRA ) and other relevant laws and codes. Under the FCRA, consumers have the right to dispute any inaccurate information on their credit reports and have it corrected in a timely manner. 

Specifically, the FCRA states that credit reporting agencies must provide accurate and complete information to creditors and other entities that use credit reports to make decisions about consumers. This includes ensuring that all reported information is up-to-date and reflective of the consumer 's current credit status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a letter from this company for account # XXXX about an alleged debt and also spoke with a XXXX XXXX about the HIPPA regulations and my right to privacy violated by this company. 
consumer law of 42 U.S. Code 1320d6 which states the Wrongful disclosure of individually identifiable health information.

The creditor has also violated my rights under 15 U.S. Code 6802 which states that I have a right to privacy of personal information.

A debt collection agency is NOT suppose to have access to the specifics to my medical and health information. Please also note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant is a violation of the FDCPA because you will be deceiving me after my written request.

Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the fair Credit Reporting Act, which can allow me to seek damages from a collection agency. When I received a letter from your agency ( see attached copy ) it states that the agency has requested that consumer reporting agencies report the account as disputed for removal. Therefore, I request the agencies compliance and immediate removal of this alleged debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear XXXX : I am reaching you about my account at Chase. It was closed because I deposited XXXX checks. XXXX is under my name ( XXXX XXXX XXXX, and XXXX is under my friends name ( XXXX XXXX ). These XXXX checks are issued by the lawyer about the car accident compensation ( which happened XXXX years ago ). And my friend is currently in XXXX and will not be back in the US. So he asked me to deposit the XXXX checks together. 

Now my account is closed. And the XXXX checks were on hold. I called Chase many times about my situation, but they gave me different answers every time. Initially, they said I could reopen my account once they verified the checks. But after that, they refused to call the check maker to verify ( because the number is not verified at their system, but it is on the check I deposited ) and said I could not get back my account. After that, I also went to the branch several times, but they told me they couldnt do anything about it, and asked me to contact the check maker to recall. I contacted my check maker ; they claimed that XXXX checks had already been deposited so they couldnt do anything about them. I feel so lost now and dont know what to do next. 

I understand that there would be some policies of the bank. But this account is the only account that I have in the US, and I already used this account for XXXX years. I have chosenChase ever since I came to the US. I want to reopen it if it's possible. 

And they said the XXXX checks were on hold. But XXXX of the checks is under my name. I wonder if I can get those parts of the money back to me first. And return my friend 's check to the check maker. Otherwise, I dont know where I could find all the money back, and I can not afford it. 

I apologize for the situation ; it is my fault at the beginning. I would really appreciateit if you could help me and give me a clear answer on what I cando about this situation. And I could provide anything ( my and my friend 's ID or check information ) to verify our identities. Wish you have a great day. Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK CORPORATION
State: WA

Complaint narrative:
Southstate Bank allowed someone with a synthetic ID ( completely fake ) to open an account under my name and PII. These criminals then utilized a payroll/payment platform to transfer money into this account using my stolen credentials and my stolen bank account and then fraudulently withdrawal close to {$430000.00} from me. These criminals were unauthorized to withdrawal any sort of funds and/or open an account using my identity. 

These transactions occurred on XX/XX/2022 and XXXX refuses to return the funds due to the fraud not being reported within XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is out of Compliance. 

I have never lived at XXXX XXXX XXXX XXXX XXXX. 

According to 15 U.S.C. 1681e, this collection agency has not provided documentation as to how my information was obtain.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below ; Validation and Verification. 

The account number is XXXX XXXX XXXX XXXX does not have a license to place collections in Georgia XXXX according to NMLS Consumer Database XXXX Please delete this collection 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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have multiple charges from XXXX that were cancelled and not refunded. I ended up booking with the hotel directly and was charged the correct amount there. This happened twice and i have not recieved any help from my bank. I also notified them of 3 charges for XXXX dollars and one for XXXX dollars from a company in XXXX that i had never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX acct # XXXX was opened up in XXXX and still appearing on my consumer report. It has been 9 years since first appeared. 

The first date of delinquency was also in XXXX. XXXX made 7 years since the first date of delinquency. All the consumer reports are hiding and not showing any activity in XXXX or XXXX because if they did, they would see that the first date of delinquency was XXXX instead of showing the first date of delinquency inaccurately reporting XX/XX/XXXX. 

I want this account removed from Consumer reports as I have requested for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: CA

Complaint narrative:
Hello. XXXX XXXX added me as an authorized user despite me not putting my social security number to activate the card given to me. In doing so, my credit report was negatively affected and I was unable to get a higher credit line or apply for a new credit card due to the authorization. On XX/XX/XXXX, I was removed as an authorized user to try to remedy this problem. However it is now XX/XX/XXXX and even though it does not show a balance, the card is still on my credit reports and is still preventing me from getting a higher credit line. Please fix it so the XXXX XXXX is removed from all my credit reports and find out why XXXX XXXX decided to put it in my credit report despite me not pitting my social security number.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: NJ

Complaint narrative:
When my lender tries to pull my credit report it's not showing up because of a technical error or some error. I called XXXX and corelogic and they said there's no freeze on my report. This error is causing me not to be able to get my home loan and needs to be fixed asap. 

XXXX XXXX  has tried to pull my XXXX report numerous times and is unable to. They do not have a problem pulling it from XXXX and 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 2023-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have an business checking account under XXXX XXXX XXXX, one of an issued check ( around {$2000.00} ) has been stolen and person who stole the check have it deposit at wells fargo branck which payee information is not match, I file forgery affidavit claim with police report thru XXXX XXXX XXXX towards well fargo, wells fargo fist said resolution time frame is form 90 to 180 days, XXXX XXXX has follow up with wells fargo every month and it show pending, it has been 180 days now, well fargo still didnt have any update regarding my claim. I dont know what can a customer do now. thank you for your help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: TX

Complaint narrative:
I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 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: MI

Complaint narrative:
I believe my information are in someone else hands or was part of a data breach these inquiries dont belong on my credit file and I would like them removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: IL

Complaint narrative:
First Heritage Credit sent a personal loan check to the property I own in South Carolina, and someone cashed the check in XX/XX/2022. I was unaware of this transaction until it hit my credit report.

Company response to consumer: Closed with explanation