vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE : Home Loan # XXXX I have respectfully submitted all the Home Loan documents to Wells Fargo XXXX numerous times since XX/XX/XXXX to the current. I recently received another letter dated XX/XX/XXXX requesting for the same documents to be sent again. This is a delay tactic being done by Wells Fargo XXXX since I have filed complaints with the Consumer Financial Protection Bureau and sent letters to President Joe Biden and Members of Congress and the Senate. I will continue to send letters to the White House regarding Wells Fargo 's Retaliation and Discrimination against me and my family. My family and I have been a victim of home foreclosure in XXXX by Wells Fargo Bank and XXXX. Very painful and traumatic experience. We hope and pray that my family will not have to go through Home Foreclosure again. My son is XXXX and all this stress is not helping my family members. 
Wells Fargo XXXX continues to ask the same questions and are now asking more questions that really does not have really have anything to do with the actual Home Loan Modification process. New questions are about LegalShield membership that I utilize for XXXX XXXX letters to protect my Civil Rights under the Constitution of the United States. XXXX payments periodically I send funds to my XXXX XXXX named XXXX XXXX and has no job or income and currently a student. XXXX XXXX is a graphic designer that my friend and sent payment for some flyers and artistic designs. This is not a recurring. 
I purchased the XXXX XXXX XXXX on XX/XX/XXXX because it is important to drive a safe reliable vehicle as a rideshare driver who does a lot of driving for a living. I put XXXX DOWNPAYMENT for this vehicle. I returned the XXXX XXXX XXXX vehicle to XXXX XXXX on XX/XX/XXXX. The XXXX XXXX already had about XXXX miles upon surrendering it. The vehicle would not be deemed safe with such high mileage. 

IMPORTANT NOTICE : California Mortgage XXXX has sent Wells Fargo Bank around {$13000.00} in XX/XX/XXXX. Both Wells Fargo Bank and California Mortgage XXXX XXXX to send the Evidence of this payment and acknowledge the SOURCE. I keep sending numerous requests for this information but they still will not honor this truthfully. I am respectfully requesting for a letter stating that this occurred. 
My greatest concern is to save our family home from FORECLOSURE and respectfully requesting Wells Fargo Bank and XXXX modify the mortgage to be a fixed rate with affordable monthly payments with no derogatory remarks on my credit score. 
I am not being represented by XXXX XXXX XXXX XXXX in XXXX XXXX. 
Looking forward to the conclusion of this long awaited Home Loan Modification request. Long live the American Dream of Family and Home.

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 2023-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
the vehicles transmission went out XXXX XXXX refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being

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 2023-09-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
the vehicles transmission went out XXXX XXXX refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: OH

Complaint narrative:
the vehicles transmission went out XXXX XXXX refused to fix or honor the warranty on the vehicle so payment was stopped until an agreement could be reached but they still reported delinquent payments on the vehicle, we did reach an agreement on the vehicle and settled the account but they reported it as a charge off settled for less then the amount owed and reported over a year of delinquent payment i have requested that the account be either changed or removed and they refused to do so i have disputed this several time and they still wont remove it, it has gotten to the point that the way it is reported it has stopped me from finding home loans and been turned down for other credit for cars and personnel loans as well, i am asking for your help in repairing this situation as soon as possible, this is a personnel attack on my financial life and well being

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 2023-09-03 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: ND

Complaint narrative:
School loans late payments came back verified. And i sent a permissible letter to Experian and Experian removed the XXXX accounts. After Experian did a reinvestigation and the XXXX account came back verifed.

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 2023-09-03 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: GA

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 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 agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # 's : XXXX 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 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 2023-09-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NY

Complaint narrative:
This company I believe has knowledge of my credit history and credit score and I believe has my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: DC

Complaint narrative:
About a year ago, we signed up for a XXXX security system, which came with a {$2000.00} interest free " retail credit '' to pay off the equipment over time. The retail credit was covered by Fortiva. 

We were notified last week that we would be receiving a Fortiva Credit Card. When the card came in the mail, I called to let them know I didn't want the card. I was told by the representative that I HAD to accept the card and that the balance of our security system equipment would be transferred to the credit card and would accrue interest at a rate of 25.99 %. This isn't what we signed up for, and is extremely predatory. 

I was able to pay off the lump sum of the balance ( {$1500.00} ) and close the account, but had I not been able to, we would have been responsible to pay significantly more than we signed up to pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
Received letter from USAA regarding opting out of debt communication. Unknow what the debt is for. Received no information -- no e-mail, no phone call regarding debt. I owe USAA for no debt. Credit card paid as requested. Car loan payment was late but paid XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
The basis for my dispute Credence Resource Management LLC, XXXX XXXX XXXX, CREDENCE RESOURCE MANAGE AccXXXX, {$560.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

CREDENCE RESOURCE MANAGE Accfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, CREDENCE RESOURCE MANAGE Acc '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of AR allows treble damages. 

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Credence Resource Management LLC, XXXX XXXX XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve CREDENCE RESOURCE MANAGE Accis held liable as well for defamation and in the state of AR a creditor is who collects their on debt is considered a debt collector under FDCPA. Smith v. Heard 980 S.W.2d693 ( Tex.App-San Antonio 1989 reh.den . ) citing Monroe v. Frank 936 S.W.2d 654 ( Tex.App-Dallas 1996 writ dism 'd w.o.j. )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AR

Complaint narrative:
The basis for my dispute I C SYSTEM INC, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, {$500.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

I C SYSTEM INCfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX XXXX section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, I C SYSTEM INC '' failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of AR allows treble damages.

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) I C SYSTEM INC, XXXX XXXX XXXX XXXX, XXXX, failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve I C SYSTEM INCis held liable as well for defamation and in the state of AR a creditor is who collects their on debt is considered a debt collector under FDCPA. 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 explanation
Consumer complaint received 2023-09-03 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
These credit bureaus have IGNORED by request for reinvestigation. I am STILL showing these account as Account Not Disputed. 
This shows they are simply reading and not investigating. This is a major violation. I am entitled to an investigation especially when trying to verify a debt. Each time this has been verified, it remained in Account not Disputed status. You are clearly being negligent with investigations. 

These bureaus are stating I need new information for these accounts to be investigated. The information has not changed! These creditors are not sending proper validation, & the bureaus are ALLOWING them to report out of compliance. 

Please provide proof of validity for these accounts. Such as a binding contract, permission to furnish from me to the collection agency, etc. I will not accept a simple statement of charges from the collection agency. Please supply actual proof such as a BINDING CONTRACT, permission to furnish an account from me to the creditor/debt collector, information on WHO verified this item, AND method of verification. Please conduct an actual investigation. 

I need these items to verify this debt or I will need to file a report with the FTC next if this is not done within 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
annual credit report said I had a vehicle loan XX/XX/XXXX and asked which bank was it through, I answered none of the above because I have not had a loan for a vehicle since XXXX. 
Secondly, the same credit reporting agency said it looked like I opened a merchandise credit card in XXXX and asked me which store was it through, I answered none because I have not opened an account with a merchant. 
Therefore, I am not able to obtain my annual credit report through XXXX, TransUnion or the third one. 
Please help! 
Respectfully, XXXX XXXX XX/XX/XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have ask this company to remove unauthorized inquires that are on my credit file but they tell my that they can remove anythings. 
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 2023-09-03 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: NY

Complaint narrative:
I am currently in the market to buy a home and I was reviewing my credit report and found some errors on XXXX  XXXX XXXX. You are reporting information about me which is inaccurate. All three credit bureaus are reporting different HIGH VALANCE, DATE OF LAST ACTIVITY, DATE REPORTED, DATE OPENED, ACCOUNT RATING, LAST PAYMENT, TWO YEAR PAYMENT. All 3 credit bureaus are reporting inaccurate information in this account. As you are aware there can only be XXXX high balance and same date on this account. This account has not been properly verified. 
PLEASE DELETE the following account immediately for failing to comply with FCRA. 

XXXX XXXX XXXX THANK YOU FOR YOU TIME

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 2023-09-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
On XX/XX/XXXX, I logged into my savings account with the mobile bank XXXX. I currently have {$1100.00} in the account. The app told me that my account was restricted for a fraud investigation. I was given no other information, than to text the company during business hours. When I messaged the company again, a representative reached out and essentially said that the account will be frozen until they finish their investigation. After I searched online to see if this was a common problem, it seems the bank regularly freezes funds without proper reason, or way to unfreeze. I was unable to pay rent this month, and had to take money from other accounts to pay because I had no access to my money. XXXX will not allow me to screenshot their communications in the app.

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 2023-09-03 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: IN

Complaint narrative:
In accordance with the fair credit reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, balance owed is reported but it is showing as a closed account, and date reported is not accurate. Some account don't even show a closed date!! This is grounds for removal, they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Also the credit bureau took more then 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX XXXX- Equifax # XXXX XXXX XXXX XXXX XXXX - XXXX  # XXXX XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with non-monetary relief