vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
RE : Wells Fargo Homeowners Loan # XXXX Our problems with Wells Fargo began, XXXX, XXXX. We always paid our State of CA Property tax separate of our mortgage payment. On XX/XX/XXXX we mailed a check to the State of California in the amount of {$2800.00}, for the second half of the annual taxes. Shortly after, the State issued us a check in the same amount, stating that Wells Fargo made t he payment. That was the beginning of an endless dispute with the bank. The claim was that we failed to pay our previous property tax. 

Our original mortgage payments were {$1400.00}, at a fixed rate of 4.25 % for 30 years. 
When Wells Fargo took over the tax payment their representative told us that our mortgage payments would increase to {$1900.00} monthly to cover the cost of the property taxes, which is what we paid. 

We physically brought the payments to the branch on time and in full until COVID, at which time we mailed in the payments, again, on time and in full. However, Wells Fargo Sent us notices that we were late and in default. They charged us late payments and reported us to credit bureaus. When we phoned them we spoke to various reps., who sometimes gave us different payment amounts. This action on their part has drastically impacted our FICA scores. 
We have been in constant contact with Wells Fargo via phone calls, e-mails and certified mail. 

It seems that Wells Fargo wants us to keep paying the extra money on the mortgage and wants us to also pay into an escrow account. 

On XX/XX/XXXX, we received a notice that they transferred our loan to XXXX XXXX XXXX, XXXX as of XX/XX/XXXX, and a transfer package would be forthcoming with details and instructions. It took longer than it should have, so we called Wells Fargo to ask where we should send our payment. The rep told us to mail it to Wells Fargo, so we did. 

XXXX claims they never received the payment, and, we were delinquent and in default. Note : In the notice from Wells Fargo, it is stated that for 60 days after the transfer, payments may be made to Wells Fargo who will send them to XXXX. 
So the same sequence has started again. We mail XXXX the increased amounts on time and they accuse us of being delinquent and in default. 

We have enclosed proof of payments to both Wells Fargo and XXXX, plus other correspondence. 

Please help in these matters. 
XXXX XXXX and 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 2021-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
ok good evening, I am enrolled in the pandemic relief program which expires, XXXX, I heard about the advance loan modification program which I am interested in, when i call MR COOPER WHICH IS MY LOAN SERVICER XXXX, they told me the don't know anything about this program, when it is unequivocally clear on the FHA website. my friends mortgage company knows of the program and is implementing it, why does MR COOPER NOT KNOW OF THIS PROGRAM. MY EMAIL ADDRESS IS XXXX, MY PHONE IS XXXX, AND I HAVE A FHA MORTGAGE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
It appears my mortgage company was bought out by another and now my mortgage has went up XXXX dollars a month and nothing to explain it sounds like a scam to me. Loan care was XXXX something fishy going on here I would advise nobody use this company and if you are RUN

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It is unfair credit reporting practices to have 28 variations of what my credit score could " possibly '' be. I'm given 3 agencies to work with the rest I have no knowledge of or means of contacting them. My XXXX  says XXXX that's what my score should be without any variations. It is unfair that I the consumer suffer because of unlawful reporting practices.

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 2021-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Repeated calls to family members without authorization of that phone number. Discussing details with unauthorized users.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
In the month of XX/XX/XXXX, my auto loan was reported to have one 30 day late payment to all credit bureaus. This is not valid as the account has been in excellent standing since XXXX. I reached out to the lender and they advised they would correct this before the next reporting date in XXXX, as it was a banking error. I reviewed my credit report today on XX/XX/XXXX and could see the issue has not been resolved and my credit is being affected thus preventing a refinance on my home to provide for my family. This is causing dire stress on myself and I need your help to rectify this matter immediately. My payment for XX/XX/XXXX has reported on time and the creditor is not responding anymore to my written letters and when we call, I am always placed on hold and the call gets disconnected. I pay roughly {$1200.00} a month for my auto loan so this is a surprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Simon's Agency, Inc.
State: NY

Complaint narrative:
Multiple derogatory marks were placed on my XXXX, XXXX  and XXXX  account regarding Simon 's agency. This company violated my FDCP rights by failing to 1. Send a 30 day letter to inform me of my debt 2 Failing to validate my debt 3 Failing to provide proof of their ability to collect in my county

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: PA

Complaint narrative:
The accounts listed in the attached letters are adversely affecting my credit report and preventing me from being approved for a mortgage. The false, inaccurate and unverified information is causing financial harm and stress to me and my family. I sent a letter dated XX/XX/2021 to this consumer reporting agency and they have yet to reply to my dispute. Therefore I am filing this complete with CFPB because they are clearly taking advantage of me by ignoring my disputes. I can not afford to wait another 45 days to receive no response again. Section 611 ( a ) plainly states that a failure to investigate items withing 30 days gives reason for immediately removal of those items from my credit report. Therefore I am requesting they delete the accounts listed in the attached letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 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: NC

Complaint narrative:
I have notice unauthorized inquiries on my credit report. I have reached out to the creditor and the credit reporting agency and was not able to get my issue resolved. The creditor will tell me to speak with the credit reporting agency and vice versa. I placed an initial fraud alert on my profile on XX/XX/21. I have called, mailed letters and disputed online with the credit reporting agencies with no success.

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 2021-07-30 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: NV

Complaint narrative:
TRANSUNION has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee. 

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure. 
I would like the CFPB to HELP me get TRANSUNION to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts. 
I do not validate any of the negative information on my report nor do i consent to TRANSUNION furnishing such information to third parties for a fee. 

All the negative items and all hard inquiries are to be removed immediately from my report. A truth of Affidavit has been sent to TRANSUNION with an invoice for the 9 violations that I have found. I am seeking Civil Liability pursuant to 15USC 1640 of {$1000.00} per violation which totals up to {$9000.00} that TRANSUNION is in violation of.

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 2021-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that HSBC sold to XXXX. I had taken a loan with HSBC in XXXX and have proof it had been paid off. I sent a copy to XXXX XXXX XXXX XXXX and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care. 

In XXXX they sent an order through XXXX  XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature XXXX could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me. 
Once again, XXXX XXXX XXXX has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Hi, The financial institution related to XXXX XXXX XXXX store made a unauthorized pull of my credit report information without my consent. I didnt request a new credit line or products, based on the information obtained of my actual credit report information they made a adversely decision to reduce my previous credit line with the institution affecting my balance and increase my credit utilization from 60 % to almost 98 % affecting adversely my credit score. 

When I inquired the institution of the unauthorized access to my credit report and requesting to restore the previous credit line, they only provide me the option to request a credit limit increase and check again my credit report. 

I explained that I didnt request any new products or credit with the institution and didnt provide my consent to access my credit file. They told me its in terms and conditions, but I didnt agree with that or signed. I ask for the papers to review it, they cant provide me that until 30 days. 

I request a copy of the transcript and they told me at the end of the chat I will have it, but the entire conversation was deleted.

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 2021-07-30 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: NC

Complaint narrative:
I was never late and I disputed late payments that I noticed on my credit report and I have requested several times to be provided with the method of verification and the proof that I was indeed. I kept getting a response from the credit reporting agency that the late payments were accurate and that is what they received from the furnisher.

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 2021-07-30 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
CHEXSYSTEMS has been acting abusive towards my right to privacy and my identity. They have taken my private information and created a record of account with the information attached to a social security number that is not owned by me, it is owned by the Social Security Administration and its also the United States obligation as defined by 18 USC 8. I am the consumer and administer of the account. I do not own it.

I told them the debt and all the negative inquiries are to be removed immediately as they are violating my consumer rights and Civil Rights by unlawfully and untruthfully giving misleading information without my consent or signature for fee.

I called them up on the phone and i asked to see what proof they have that i consented to my information being shared too any third party pursuant to 15 USC 1681B ( a ) ( 2 ). The sales support laughed and said he was not sure.

I would like the CFPB to HELP me get CHEXSYSTEMS to send me a signed affidavit that i the consumer gave my consent to furnish any report and violate my civil rights, 42 USC 1983, as this is a complete misrepresentation of facts.

I do not validate any of the negative information on my report nor do i consent to CHEXSYSTEMS furnishing such information to third parties.

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 2021-07-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
Your reappearance of the complaint number XXXX is not supported under any federal or state law. but rather it is a violation of consumer rights 15USC1692a ( 3 ) 15USC1602 ( i ) ( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.

So you say that you deny having violated any state and federal law. But according to title 15 USC 1692 you can not make a decision like refusing to extend my credit based on information from a third party as in this case. 1. They mention credit history again, credit history is not a factor in denying a credit extender, according to the Truth In Lending Act.

They put it well, part of their credit assessment. Your evaluation violates the federal equal opportunity law, since your decision is based on a supposed Score that is only a simulation and is not even a federal law and much less is contained in the Truth In lending act. Not in the CFR, Fair Credit Reporting Act. 

It is the last time that I refer them again to approve the application and extend my credit. 
Of you not doing it, based on the excuses you used in your answer, I am going to proceed with a lawsuit since you have just violated title 15 of the United States, seeking information from a third party that is a corporation that in turn can and does manipulate the numbers at your convenience to profit from the consumer.

I am not supposed to have a credit score to get a credit extension.

They are not supposed to a supposed credit history to extend my credit.

They are not supposed to check with a third party other than the consumer himself when they want to receive information from the same consumer.

Those are violations that you overlooked when writing a statement like this.

And I have my UCC-11 from the state of Massachusetts ready to send as proof that I have no debt. 

And to mention that because of my income they refused to extend my credit is another violation, since you are not the ones who will pay for the property with your own funds. 


And I understand that you have no control over the agencies, just as the agencies have no control over the consumers. And you do what they say, they are a third party, you should have sought information directly from the consumer and not from a third party as you did. Violate the 15USC title

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 2021-07-30 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: MA

Complaint narrative:
This letter is about the following accounts : XXXX XXXX XXXXXXXX XXXX : # XXXX, which you claim, I owe [ {$0.00} or my account was charged off {$0.00} ], XXXX XXXX XXXXXXXX : # XXXX, which you claim, I owe [ {$500.00} or my account was charged off {$500.00} ]. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection practices Act and the Fair Credit Reporting Act, along with corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of FCRA & FDCPA ; therefore if you can not validate the debt, you must request that credit reporting agencies delete the entry. 

Pending to the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond withing 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum {$1000.00} in damages per violation for :. Defamation. Negligent Enablement of Identity Fraud. Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ). Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 


P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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