vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Brock & Scott, PLLC
State: CA

Complaint narrative:
To whom it may concern : Before my loan modification in XX/XX/XXXX, I had two separate loans from the same lender ( XXXX XXXX ), one for {$170000.00} and the other for {$47000.00} approximately. These two loans were combined into a new single loan with a low interest rate of 2.0299 % and a total amount of {$240000.00}. As part of the modification, the {$47000.00} loan was waived in exchange for a shared appreciation of 25 %, not to exceed {$47000.00}. 
This means that I am now only responsible for paying back the remaining amount of {$190000.00} at the low interest rate of 2.0299 %. The time of maturity for the loan remained the same at 271 months. 
In summary, my two loans were combined into one new loan with a lower interest rate, and a portion of the loan was waived in exchange for shared appreciation. I now have a single loan to repay at a lower interest rate and the same time of maturity as before the modification. 


Also, as part of my loan modification in XX/XX/XXXX, the lender ( XXXX XXXX ) waived the {$47000.00} loan in exchange for a shared appreciation of 25 %. This means that if I sell my house, the lender will be entitled to receive 25 % of the appreciated value of the property, up to a maximum of {$47000.00}. 
For example, if the value of my house increased by {$100000.00} since the loan modification, the lender would be entitled to receive 25 % of {$100000.00}, which is {$25000.00}. However, if the value of the property increased by more than {$180000.00}, the lender would still only be entitled to a maximum of {$47000.00}. 
It is important to note that this shared appreciation agreement only applies if the property is sold. If I continued to own the property and make payments on the modified loan until it is paid off, the shared appreciation agreement will not be triggered. 
Additionally, my modified loan takes precedence over any other loans, meaning that it is the primary loan on the property and must be paid off before any other loans can be satisfied. Which in fact it was sold through foreclosure on XX/XX/XXXX. Therefore, all excess funds are due to me immediately, because I am the original owner of the loan. 

Respectfully yours XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-06-22 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: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLIANT CREDIT UNION
State: IL

Complaint narrative:
Contacted Alliant on XX/XX/XXXX to dispute a {$250.00} XXXX XXXX XXXX. On the phone I was advised it was a rate reset fee applied on XX/XX/XXXX although it showed on my bill as XX/XX/XXXX. Disputed this because my rate was not reset & XX/XX/XXXX also coincided with their notice of service transfer to another entity also owned by Alliant. I had no say in that transfer and previously complained about it when XXXX notified. I followed up my call @ XXXX with XXXX with an e-mail questioning the charge. When I had not heard from them by the XXXX of XXXX, I called again. I spoke to XXXX who showed nothing on the account so he sent me an e-mail from where I should be sending the inquiry. I in turn sent a XXXX letter to that e-mail. The following week, via regular mail I received XXXX letters XXXX dated XX/XX/XXXX the other dated XX/XX/XXXX. Both letters were exactly the same content. They had received my inquiry & will make every effort to provide a response as promptly as possible, and will certainly do so within the time limit required by law. To this day XX/XX/XXXX I have not heard a response & I continue to believe the charge is unjust because Alliant initiated the transfer not me. I would hope you can get.a response in 15 days because it has been over 8 months for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: VA

Complaint narrative:
Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].

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 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have ask this company for the original contract with the digital or written signature I have ask this company for copies of all the statements showing purchase. They only provide me one statement. 

I received a letter from this company showing XXXX bank name but without the signature from the bank I have a different acct number from XXXX credit and a different open date. 
This company has another acct number, another open date. Something here doesnt make sense. I need more information. 

They also sent me a permanent hardship form I sent to them and they have not reply on this. I know they send this form to get information is antrapment They are wasting their time because Im a XXXX person receiving XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: MI

Complaint narrative:
There are so many inquiries on my credit report that tried to open accounts using my name. I have never applied for credit to these companies. These inquiries are pulling my credit score down and I can't get myself to funding because of these inquiries.

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 2023-06-22 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: IL

Complaint narrative:
There are unauthorized credit inquiries listed on my Equifax credit report, which I didn't give permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I spoke with a XXXX XXXX who claimed to be the owner of a property that I was interested in. After going to the property and touring it I was interested in applying for it so he gave the information needed to apply and informed me that once I pay the deposit he would take the house off the market. On XX/XX/XXXX I Zelled {$1700.00} to his account as he requested and signed a lease stating that I was now a tenant at his property. Later that evening I received an email from the rental site he used stating that the property he advertised was listed as fraud. I immediately contacted Wells Fargo to let them know I was a victim of a rental scam and they started a claim which was concluded on XX/XX/XXXX that because I chose to send the money it is accurate and that the claim was closed. After speaking with XXXX XXXX XXXX XXXX XXXX XXXX XXXX department to make sure that I add my case ID to my claim. I even filed a case with the FBI due to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
This company is harassing me about a debt I never had with them. They are also destroying my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNTS # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 15.U.S.C 1681 SECTION 602A- STATES THAT I HAVE A RIGHT TO PRIVACY. 15.U.S.C 1681 SECTION 604A SECTION 2 - IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH An ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are so many inquiries on my credit report that tried to open accounts using my name. I have never applied for credit to these companies. These inquiries are pulling my credit score down and I can't get myself to funding because of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: OH

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

I previously opened a compliant on XXXX/XXXX/23 which XXXX, XXXX, and TransUnion did investigation and said the accounts were verified and accurate. 

XXXX XXXX # XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any of the following items of information 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 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: OH

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

I previously opened a compliant on XX/XX/23 which XXXX, Equifax, and XXXX did investigation and said the accounts were verified and accurate. 

XXXX XXXX # XXXXXXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting may make any of the following items of information 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 ) A person shall not furnish any information relating 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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
IVE BEEN A VICTIM OF HAVING MY INFORMATION RELEASED TO THE PUBLIC WITH VARIOUS DATA BREACHES. THEREFORE, I HAVE HAD PLENTY OF INACCURATE ACCOUNTS LISTED ON MY CREDIT REPORT THAT WERE PREVIOUSLY DISPUTED. SOME ACCOUNTS CAME BACK AS VERIFIED WITHOUT ANY PROOF OF THE PROCESS THAT WAS USED TO VERIFY THESE INACCURATE AND INCOMPLETE ACCOUNTS. I NEED THESE ACCOUNT REMOVED IMMEDIATELY BECAUSE THEY ARE RUINING MY REPUTATION WITH THE BANKING SYSTEM. I SENT LETTERS ASKING FOR THE METHOD OF VERIFICATION MORE THAN 30 DAYS AGO AND I STILL HAVENT GOTTEN A RESPONSE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I opened my new Truist business checking account online with a {$400.00} bonus promo code XXXX on XX/XX/2023. 
The bonus trem : Earn {$400.00}. Open a new Truist Simple Business Checking or Dynamic Business Checking account online or in a branch from XX/XX/2023, through XX/XX/2023. Within 30 days of opening the new business checking account, you must : Make Qualifying Deposits* of {$1500.00} or more into your new account. 
I established a brand new business with a EIN to open this new Truist business checking. This is my first EIN and first time apply Truist business checking account. I did two qualifying deposits of {$1500.00} into my new checking account within 30 days of account opening. 
I meet all requirement and my {$400.00} bonus still not post to my account. 
I called Truist customer service and still no bonus post to 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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account, and I strongly urge you to rectify this error without any delay. Please take immediate action to correct my account and ensure that it accurately reflects my payment history.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was given a fraudulent or counterfeit check and it got deposited into Wells Fargo and you people absolutely let Wells Fargo destroy me Not only was that a trustee account for my dad everything that came into that account because my father recently passed my money is all over the place I can not get another account and I don't know how I am going to get the government to do something about you I've written all the Senators I've contacted everyone in the government if I didn't know any better I would think you guys are getting paid to ruin people 's life but you won't get back with mine because if it takes every dollar I ever earned I will see you in court and Wells Fargo will not be any more persecuted than you will you XXXX plain and simple you XXXX you need to revamp re-employ and readjust the way you handle people that are frauded because you're not out of a XXXX thing but you ruined my life and through the courts I will get you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage was sold to a servicing company approximately 3- 5 years ago, In XXXX of XXXX I was asked to provide proof of homeowners insurance which I did. First I had to prove I had my own HOA insurance and then I had to provide the XXXX 's insurance. Meanwhile the servicer went and purchased insurance on my behalf. I have received letters from the escrow dept saying that I have satisfied their request. 
In spite of this every month My account shows that I still have an escrow balance. I have been unable to make my payments on line for 10 months. I call it in and sometimes they apply it other times they take the payment but leave it unapplied. This results in my accounts showing delinquency and late charges. I have been getting letters stating that I can lose my home ( for being 30 days late when I'm not ) even though I have made the payments As a senior I feel that I am being harassed I am so stressed each month. 


I desperately need help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My backpack and the contabaments along with secure information was stolen and my wallet phone and someone was able to drain XXXX out of my account when I realized I went in bank and pulled out the rest so I would t lose it all now td bank is denying my refund of this fraudulant loss of money

Company response to consumer: Closed with explanation