vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
I am writing to formally file a complaint against EQUIFAX, XXXX, & XXXX, regarding a violation of my rights and the inaccurate information being reported on my consumer file. This inaccurate reporting has not only caused financial distress but has also had a severe impact on my mental wellbeing, resulting in XXXX for both myself and my family. 
I BELIVE EQUIFAX, XXXX, AND XXXX, has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611, which mandates that consumer reporting agencies maintain accurate and up-to-date information on consumer files. In reviewing my credit report, I have identified the following inaccuracies : These inaccuracies have had a significant and detrimental impact on my financial profile and my ability to secure credit, loan approvals, and reasonable interest rates. Despite repeated attempts to rectify these errors, I have not received a satisfactory resolution from EQUIFAX, XXXX, AND XXXX I would like to bring to your attention the profound impact that this situation has had on my mental health and the overall well-being of my household. The constant stress, anxiety, and uncertainty caused by these inaccuracies have plunged my family into XXXX, affecting our quality of life and ability to function optimally. 

I kindly request the Consumer Financial Protection Bureau to immediately investigate this matter and take appropriate action against THEM. I believe that the inaccurate reporting and their failure to rectify the situation has not only violated my rights under the FCRA but has also caused significant harm to my household. 

Please find enclosed copies of supporting documents, including credit reports, correspondence with, and evidence of the impact on my family 's mental health. I trust that the CFPB will act promptly and diligently to rectify this situation Thank you for your attention to this matter. I look forward to a swift resolution and justice being served.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or misleading advertising or marketing — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On or about XX/XX/2023 an agreement between myself and Wells Fargo Preservation Department agreed upon a 3 month Loan Modification and I was told that my house will be out of Foreclosure. However this was nothing but a Fraudulent Lie because as you can see in the attachment despite me keeping my word and paying the first Trial Payment. Wells Fargo fraudulently misled me and kept my residence on the Sheriff Sale list with a new date XX/XX/2023. Then the Preservation Department sends me an email claiming that theres an issue pertaining XXXX XXXX to whom is the other 50 % owner to whom theyre trying to cover for forging my name on the note and forgery on an {$18000.00} Refinance Check. Yet hes been missing in action for the past 18 years and didnt even attend his wifes funeral. Also Wells Fargo continues to harass me by sending mail here in his name after knowing the fact that he doesnt live here. And since theres an issue with the Mortgage Title then Wells Fargo shouldve informed me prior to this 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 2023-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My home was scheduled for and sold in an online auction. The auction and sale was illegal and I was never contacted the from the original lender the contact was breach the terms of the contract changed the servicer and lender and investor have committed fraud snd theses documents are fraud and not the original terms. I originally sent a letter to servicer Shellpoint and XXXX XXXX XXXX XXXX XXXX They never answered me then and they misled and I was never informed that The was going to change and that my loan was sold to XXXX XXXX XXXX. I tried many times to cancel my pmi and asked why was I paying all the extra fees for property preservation and FHA mi XXXX XXXX XXXX XXXX. My loan was paid year. Ago. Ive been complaining and have asking questions and Ive have never been given a response or answers. XXXX XXXX has never sent me any letters I did not know that they were the investors. I believe that Im owed my title to my house. I have been treated unfairly and many people are involved and its corrupt white collar organized crime and my due process rights and have been repeatedly violated and there has been paid politicians who is a house representative and was. The title and home insurance broker agent XXXX XXXX XXXX. I have never meet this person and I did not sign or authorize this and the information on the insurance application is all wrong I have been trying to get this information corrected and theses two company have been misleading and lying making and recommending s c

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: IL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TX

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. 

UNAUTHORIZED INQUIRIES : 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 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 of 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 2023-09-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XX/XX/2022 XXXX XXXX reported a hard inquiry on my credit Profile I did not approve of this or know of even speaking with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I reached out to Mr.Cooper regarding an increase in my mortgage with a new monthly bill of {$2200.00} that was scheduled for XXXX via telephone on XX/XX/XXXX. There was an escrow shortage in the amount of {$490.00}. I paid the shortage to avoid an increase. I was told to call back in on XX/XX/XXXX to give time for the payment to process and have a new analysis to be run, so that there will be no shortage and my mortgage would go back to the original amount. I called on XX/XX/XXXX and the person refused to run the analysis and was very rude. I sent an email on XX/XX/XXXX and a new analysis was ran ( doc attached ) which put my mortgage back to the original amount. 

I checked my account and see my payment due is {$2200.00}. I reached out to XXXX again via email and they responded by saying my mortgage will increase in XXXX because my escrow might be short in the future. However my bill has increased for the month of XXXX. However, my bill should not increase based on a possibility and should be based on the analysis and whether I currently have a shortage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update 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 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I applied for the Aeroplane card because the incentive said XXXX XXXX XXXX XXXX passes. After I was approved, the passes showed up in my account with several other benefits but now they have disappeared. I have spent several days calling customer service and being transferred from person to person. So far, I have talked to XXXX, XXXX, XXXX, XXXX and account supervisors XXXX XXXX XXXX as well as local bank staff XXXX. Each time the person puts me on hold and then I get disconnected or transferred to somebody new and have to explain the entire issue all over again. I have contacted their XXXX XXXX XXXX XXXX NOBODY has helped me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one reporting a balance on a sold charged off account asking for a balance and collections also asking for a balance. I never said the account was not mine I asked for validation. Please focus on you reporting a balance on a charge off sold account. Where is my 1099? You can't report income on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: CA

Complaint narrative:
I have no negative items on my credit report and paid my only credit card that has a balance down. This dropped my score by XXXX points. I checked my report to see what changes were made to cause this and Transunion message is : " Between XX/XX/2023 and XX/XX/2023, your XXXX XXXX credit card balance decreased by {$1800.00} from {$3200.00} to {$1400.00}. Nice work lowering your balance! Even though you're still using over 30 % of your card 's credit limit, you're on the right track. If possible, keep working toward getting your Credit Card Utilization rate to below 30 %. '' Respectfully, my overall utilization is well below 5 %. Moreover, making on time payments and keep low utilization is supposed to increase your score not bring it down. I called Transunion to complain and they said it was a " system error '' on my credit report that they will fix via maintenance. I've been refreshing my score but it's still at a XXXX. Again, no late payments, no collections, no charge offs, NOTHING DEROGATORY AT ALL ( over 25 accounts in Good Standing ). 

XXXX XXXX my score was XXXX and adding 1 positive account dropped my score XXXX points at that time. This is ridiculous and concerning on so many levels. PLEASE FIX THIS! ***Note : XXXX score 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 2023-09-25 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: CA

Complaint narrative:
I XXXX XXXX XXXX am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. 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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I opened a business account with USBANK. Upon opening I was unable to access my online banking. After 3 or 4 phonically into their service center I was granted access. I immediately transferred {$4000.00} from my personal account to avoid fees associated with USBANK low balance policies. 

After another week of work I attempted to go into a local branch and close my account due to negligence on their part. They refused and declined to acknowledge my money was transferred, even though. have the confirmation email saying it was complete. 

I still have no access to the account and they are holding any monies I transferred. IF I don't get my money back soon, My XXXX credit score will be affected. In that time I will hire a lawyer and sue USBANK. 

I just wanted to do business and they literally prevented that. I now have an account with a competetor without issue. I need my money back to avoid fees there. USBANK does not return my calls nor do they offer any help in the branch locations. I'm tired of the run around and want my cash. I will keep filing complaints weekly until this is resolved. 

It's an emergency situation for me financially, and USBANK is playing games. 

I also dont appreciate them selling me a credit card while opening the account. This bank is a bully.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
I went in at XXXX to Navy Federal Credit Union to deposit my paycheck so I could pay bills. After depositing through their ATM, there was no pending check in my account and no funds. So I reached out to their corporate number and was told that because the check was over {$1000.00} that part of the check ( {$250.00} ) would be deposited into my account on XXXX  and the rest would be in my account by XXXX morning. 

Fast forward to today- no money and no pending check. So I call the number back. The associate helping accuses me of depositing the check too late to get any funds before tomorrow. When I quoted direct timing to him of speaking to his coworker at XXXX after depositing it at XXXX, he said oh well thats XXXX time not XXXX. And he made it clear that he could do nothing. So I asked to be transferred to a supervisor. 

Now when XXXX got on the phone he basically told me straight out nothing could be done for me. When I pointed out that his employee made false promises and lied because of the time zone, he agreed that it shouldnt have been said and said he would talk to the employee. However I pointed out talking doesnt fix the fact that I have bills due today and XXXX going to get charged fees because of their employees lies. He said that theres nothing they can do. So now on top of holding my money XXXX, they are causing me to get fees that should have been avoided. 

If you work in XXXX time and its already past the time of deposits needing to be in, that should be stated. But as it wasnt, now theyve wasted my time, money, and have completely lost my trust in this company. As soon as my funds are in my account I am closing my account. And if anyone reading this also has Navy Federal accounts, I suggest you do the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: OH

Complaint narrative:
I enrolled through for the SAVE plan on the student aid website and the company Edfinancial stated that I was still enrolled in the previous IBR plan that I was enrolled in. They stated I needed to pay an amount to switch, it turns out that they were supposed to contact me for this payment, but they never did. They then stated that since I hadn't paid the amount to switch payment plans, they denied the switch and proceeded to start accruing the interest on my balance ( they did this XX/XX/23, prior to when the interest would resume ). They never admitted to any wrong doing on their end and consistently said over the phone that I didn't switch my payment plan and that is why I was being charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently disputed a XXXX XXXX account that was reporting on all 3 of my credit profiles. I sent in a letter to all 3 Bureaus on XXXX  with a attatched letter from XXXX XXXXXXXX XXXX stating that per their investigation, the account was not min es and would be removed from my credit file. The account was removed from all 3 bureaus, however it is now reporting back on my Equifax account. Per the FCRA i was not notified by the credit bureau that this account was reinserted on my credit file. It has caused my credit score to drop drastically because of their inaccurate and unverifiable information. I am requesting that this account be removed from my Equifax report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief