vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I DISPUTED FRAUD INQUIRIES WITH XXXX, EXPERIAN AND XXXX AND THEY REFUSE TO REMOVE THIS FRAUD INQUIRIES THAT I SENT ALL THE PROPER DOCS. XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXXXXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX, 2022 XXXX XXXX XXXX XXXXXXXX XXXX, 2022, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX 2022, XXXX XXXX XXXX XXXXXXXX XXXX, 2022 XXXX XXXX XXXX XXXX, 2022, XXXX XXXX XXXXXXXX XXXX, 2022, XXXX XXXX XXXX XXXX XXXX, 2022

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 2023-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I spoke to Navent about 6 months ago telling them I was approved for loan forgiveness in 2 ways, ssi and the loan forgiveness program that is pending with the government. My loans are over 20 years old I have been XXXX for all of those years and was finally granted ssi last year. I have been dealing with harassing calls all this time. It's not like the company calls and leaves a message, no they call at XXXX and then XXXX and then XXXX  and so on, then if you don't call them back they call your elderly parents harassing them making them worry there is something wrong, calling me in a panic. I don't want a call ever again from them! I shake when they pop up on my screen. I have nothing to give them, I never have!! They need to chill and wait for the government to dismiss it, it's not my problem anymore when 2 different government agencies say it's not. Call after call just to put my account in good standing for 30 days what a joke! I told them to stop calling me. The last man I spoke to telling this to assured me I wouldn't get anymore calls. 6 months later here we are 3 calls by them before XXXX. That is NOT OK. I have XXXX and other mental health issues and all they do is trigger me into rage. They say there no way to stop the calls... .they have called me 25 times since decmber, 3 of them today. I can't do this any more... I'm sick from it I'm shaking, I can't. Please help me. ( For proof on how bad they trigger me, please pull their recorded audio from today 's " conversation '', XXXX XXXX. I'm not in the right but I just can't anymore ) I'm physically, mentally and visual affected by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Accounts, Inc.
State: WY

Complaint narrative:
I received a letter from United Accounts on XXXX XXXX XXXX claiming I owe an amount to XXXX XXXX from a year and a half ago. this was the first attempt ever to contact me regarding any outstanding amounts from either company. I contracted them immediately and disputed this as I know for a fact this has been paid before. They informed me they can contact XXXX XXXX or I can contact them in which I replied I will resolve the matter with XXXX XXXX. 

I then contacted XXXX XXXX and according to their statement I still owed them this amount. I know I paid this at their offices but did not have the invoice readily available as I moved to another state. I told them I will get the invoice and the have to give me some time as I have to find and pack out several boxes in the hope to find the receipt.

United Accounts then proceeded to still report me to the credit bureaus even though they were aware of my dispute. I contacted them again and asked if it would be better to pay this amount again or to continue with the dispute as I know this was paid before and I am in the process of purchasing a house ( the negative report could affect my ability to purchase my house ). The lady said I should pay the bill and they will remove the report from the credit bureaus but it would take until end XXXX. They also said my loan company could contact them and they will give proof of my paid account. I proceeded to pay United Accounts the complete amount. 

The next day, I asked them to please supply me with proof of payment in order for my loan company to take the negative report out of my file. United accounts refused saying they are not allowed to give me any proof of payment because I am a resident of Wyoming. I continued to ask if she is saying that they may not give me any form of proof that I paid them and she kept on saying they may not according to law. 

The last lady I contacted was named XXXX and she said my bank should fax them a credit release before they will give us ANY proof of payment. During my XXXX calls to them, they were extremely defensive and rude and did not want me to finish my sentences before either interrupting on just putting the phone down. 

" XXXX XXXX XXXX United Accounts, Inc. is fully automated . Our systems utilize industry leading XXXX XXXX technology, 24/7 website access for placing accounts and viewing real time account stats and progress reports. XXXX has the flexibility to accept electronic account placements in your format. '' This is what hey claim on their website but they can not provide proof of payment???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Remain on my Consumer Report Both are inaccurate inconsistent. 
Non Public personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/22 we mailed 5 checks, all written on our Wells Fargo accounts, to pay various bills. On XX/XX/22 all 5 checks were cashed by someone other than the payees. On XX/XX/22 and XX/XX/22, when we realized the payees had not received the checks, we filed three claims with Wells Fargo. 

Two checks ( made out to XXXX Bank for {$2800.00} and XXXX XXXX XXXX XXXX for {$2200.00} ) were clearly endorsed by " XXXX XXXX '' ( see attachments ) and cashed at XXXX Bank. XXXX checks ( made out to XXXX for {$510.00} and XXXX XXXX XXXX XXXX for {$500.00} ) appear to have no endorsement at all ( see attachments -- backs are blank ) and were cashed at XXXX  XXXX XXXX. XXXX check ( made out to XXXX XXXX  for {$1100.00} ) was clearly endorsed by " XXXX XXXX '' ( see attached ) and cashed at XXXX  XXXX XXXX. 

Since these claims were filed over two months ago, we have had contacted Wells Fargo numerous times. Wells Fargo insets that they are under no obligation to credit us any of these funds. We have never been able to speak with their investigators, as they are a " back end team '' ( to quote Wells Fargo customer service ). Our complaint was escalated to the Executive Office but it doesn't seem to be bringing us any closer to a resolution. During our many phone calls with Wells Fargo we have been told variously that : the claims were closed ; that perhaps XXXX XXXX is in fact authorized to cash checks for XXXX Bank ( headquartered in Delaware ) AND XXXX XXXX XXXX XXXX ( our local club in XXXX  ) ; and that there was no record of our claims numbers at all. Wells Fargo has refused to give us provisional credits ( though they did, in fact, give us a provisional credit for the {$1100.00} check only ; when asked why only that one, the executive case manager could not answer ). The only reason we know where the checks were cashed is because of the diligent work of an XXXX investigative reporter. 

We've always been told not to mail cash -- but we may as well have, as we would have had the same luck trying to recover our money. Why bother making anyone endorse checks at all? Apparently it means nothing. Why is it that with credit card fraud, the consumer can usually recover their funds, but with check fraud, there is apparently no recourse at all? 

We are losing hope that despite this obvious case of fraud, we will never be able to recover our {$7200.00}.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My credit card was stolen from me and fraudulent charges where made on my account. I have advised truist on many occasions that the card has been stolen and there are many fraudulent charges on the account. Recently they sent a bill for {$1400.00}. This account balance is incorrect. I was also advised that they would remove all charges and fees from truist since the card was stolen. However that is not the case. They continue to add Truist fees and charges even though the card was stolen. I was also advised by truist not to make any payments on the card until the investigation is complete. However, Truist closed my account instead keeping it open and completing the investigation. The fraudulent charges need to be removed from my account as soon as possible.

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 2023-02-07 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: CL Holdings LLC
State: FL

Complaint narrative:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void ab Initio and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: IN

Complaint narrative:
IN REFERENCE TO XXXX XXXX XXXX : ACCOUNT XXXX XXXX XXXX XXXX XXXX, This agency has yet to verify after 2 attempts and UNDER 15 USC 1681 SECTION 604 STATES THEY HAVE VIOLATED MY RIGHTS AS A CONSUMER AND NEVER HAD A WRITTEN CONSENT TO DO SO.!! PLEASE DELETE!

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 2023-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
My father passed away XXXX years ago and left no will. The property went to my mom. We moved in with my mother to help take care of her, she was trying to get a loan modification, they told her to not make any payments until the modification went through, but that never went through. They kept telling her things were missing and she kept having to resend the same documents over and over. She got behind and the mortgage company kept telling her, that unless she could pay the total amount behind they wouldn't accept it. My mother passed away in XXXX unexpectedly and shortly after her death we were served with foreclosure paperwork. I contacted the mortgage company and they refused to speak with me. I am the personal representative for my moms probate and they still refused to speak with me. I have sent them all the paperwork they requested and they still say that it is wrong. They even say now that they have nothing to show my mother is dead, when i sent them all the paperwork. I replied to their summons and requested foreclosure intervention, I just received the denial letter, even though I was never contacted about any of my information to work on an intervention. They have served someone not related to me, the foreclosure intervention was denied through the law firm of the prosecutors lawyer. I filed a XXXX  for unfair practices and requested foreclosure intervention again. I just received an email for mediation, I'm sure that's because I requested a XXXX XXXX. I have contacted them numerous times and the lawyer to no prevail. I want to keep the house and take it over, but I can't get anywhere. The company handling the mortgage has pages and pages of complaints of them doing the same things to other families, stringing them along until people get so far behind they loose their homes. I really just need help, but I am not made of money. I had to use my 403b when covid hit, so I can't even use that. I was wondering if you could help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PACIFIC WESTERN BANK
State: SC

Complaint narrative:
Processor was assigned to my loan brokered by XXXX XXXX to Civic Financial Despite numerous attempts for updates, Civic Financial can only state that the loan is in underwriting as of XX/XX/23 This has already cost me in excess of {$6000.00} in interest and extensions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 : 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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had originally lost my credit card and reported fraud for transactions that I did not authorize ( XX/XX/XXXX ). For some reason, transactions dating from XXXX  months back were also reported as fraud, causing me to lose business from multiple merchants. After attempting to resolve the issue multiple times during the course of the next XXXX  weeks with my bank, I still owed XXXX on the credit card. This amount was very incorrect and the customer service representative at the time agreed and reassured me multiple times that I would be receiving a check for the amount of XXXX so that I may manually deposit it and use the funds to pay off most of the amount owed on the credit card. Unfortunately no check was ever received and after contacting the customer service line again on XX/XX/XXXX, the case was escalated to the customer advocacy group and made it clear that I had not received the check and also repeating various times that I could not afford to pay the amount owed. For some reason, Wells Fargo forcefully removed XXXX from my savings account to pay the amount owed on my credit card. In no way shape or form did I ever authorize the transfer to be made but it was. I appreciate your time and help with this. Thank 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 non-monetary relief
Consumer complaint received 2023-02-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I purchased XXXX ( XXXX ) chairs from XXXX, XXXX, & XXXX on their website and had them shipped to my home. I received all three ( XXXX ) chairs damaged. XXXX, XXXX & XXXX received all three ( XXXX ) returned chairs and I never received a credit for the chairs. I disputed with Comenity Bank, the issuer of the XXXX XXXX & XXXX credit card. Comenity Bank has consistently violated my consumer and banking rights under the Gair Credit Billing Act by assessing my account late fees, interest, and reporting me late to the credit bureaus while the entire amount was under dispute. On XX/XX/XXXX there was a fraudulent charge posted to my XXXX XXXX & XXXX credit card and while under dispute Comenity Bank has again demonstrated a violation of my consumer and banking rights under the Fair Credit Billing Act by assessing late fees, interest and reporting me late to the major credit bureaus with this fraud charge. I have made numerous attempts to resolve the matter with Comenity Bank but the bank is doing whatever they want to my account and does not care they are in violation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-07 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: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am writing to dispute inaccuracies on my credit report that have had an adverse impact on my ability to obtain credit. The account in dispute is : Seterus XXXX In XXXX, I purchased property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. XXXX. While the above listed account was not the original mortgage lender, they subsequently took them over. For 11 years, I had made consistent and on-time monthly payments. However, in XXXX of XXXX, I was notified by the 1st lien holder, Seterus, that due to the Adjustable Rate Mortgage contract, my payment would be increasing to an amount that would be difficult for me to maintain. I attempted to refinance but due to the housing crisis, I lacked the equity. I then applied for a Loan Modification, which was also denied. In good faith, I put the property up for sale for what I owed on both mortgages and continued making on-time monthly payments through XX/XX/XXXX. 
In XX/XX/XXXX, I received a short-sale offer for {$100000.00}. I submitted a loss mitigation application to Seterus on XX/XX/XXXX. I received a response letter from Seterus on XX/XX/XXXX requesting more documentation. The full package was received by Seterus on XX/XX/XXXX and a settlement agreement was reached on XX/XX/XXXX. The closing for the short-sale occurred on XX/XX/XXXX. 
The inaccuracies are as follows : Seterus is reporting that the account was 2 months late AND in foreclosure/collections. I was paid through XX/XX/XXXX and we closed on XX/XX/XXXX. I attached my bank statements as proof. The XX/XX/XXXX payment was not made because a settlement agreement had been reached and we were waiting on the closing. We should have closed in XXXX but the 2nd lien holder caused the delay by demanding {$6000.00} in lieu of the {$3000.00} that was initially agreed upon. This account should only reflect SETTLED-LESS THAN FULL BALANCE ; CLOSED. No late payments and ABSOLUTELY NO FORECLOSURE. Please note, I have been denied credit by XXXX XXXX  due to this inaccurate reporting. I demand you produce a docket number for Foreclosure Proceedings in the State of Illinois or REMOVE THIS INACCURACY IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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