vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Filing a complaint regarding Wells Fargo Home Mortgage & their inability to process our modification request on a VA loan that ultimately resulted in wrongful foreclosure action taken by WFHM back in XXXX of XXXX. I reached out to Wells Fargo recently ( XX/XX/XXXX ) after seeing the news that $ XXXX settlement had been reached for parties that had been part of wrongful foreclosure actions & failed mortgage modifications attempts by Wells Fargo from XXXX until as recently as XXXX. 

My VA loan was wrongfully foreclosed upon in XX/XX/XXXX due an error @ Wells Fargo 's hands because of mismanagement of our escrow accounts funds. Making matters worse, Wells Fargo took {$4700.00} to begin working out the modification process that was sent through XXXX XXXX per WFHM instruction. Faxed 100 's of pages of tax documents on top of sending them money but money was never applied, paperwork lost & foreclosure action was taken after all we had done @ the instruction of Wells Fargo to avoid them taking the house. 

Upon contacting Wells Fargo recently, they have NO record of our loan transaction, since it was purged from the system.. & anything after XXXX is supposedly no longer available to Wells employees XXXX 

The National Foreclosure Settlement Act found that Wells Fargo had acted negligently & foreclosed on our home of 30+ years in error. Wells Fargo mislead us into the modification process, mishandled important documents & monies we sent them to find a resolution to problem ( Which they caused ) & still 10+ years after the fact -- My VA benefits have been destroyed & a veteran, as well as their family were displaced due to WFHM missteps. 

My hope is that the CFPB will hold Wells Fargo Home Mortgage accountable for the actions they took that have caused irreparable angst, stress, loss of sleep & embarrassment due to errors on their part that caused the loss of my family home in XXXX Alaska. Their lack of record keeping & accounting is still awe shocking 10 years after the event. 

Hopefully, this time with your help, some sort of justice can be had from all the horror these folks have caused myself, my wife & family. 

Respectfully submitted, 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 2023-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Loan South Finance & Tax Service of Troy, LLC
State: GA

Complaint narrative:
The company XXXX is inaccurately reporting amounts and balances and this is putting me in situations and decreasing my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
After repeated marketing offers to upgrade my American Express Green Card to a Platinum Card, I finally accepted though an online process. This was on or about XX/XX/2023. The Platinum card was approved and delivered to my home. I have attached a photo of the card. Since I was now going to use the upgraded card, I contacted American Express and instructed them to cancel my Business Green card and refund me the annual fee I had recently paid. I was told that I had exceeded the 30-day window to get a refund on the Green Card . I was now looking at a combined fee of {$790.00} for two American Express cards, I instructed the company to cancel the Platinum Card and reinstate the original Green Card. On or about XXXX XXXX XXXXXXXX I contacted American Express again and asked them to reconsider charging me the full {$690.00} fee for the Platinum Card considering I had already paid {$95.00} for the Green Card. On this call, the customer service agent said they could offer me a {$50.00} courtesy credit or return me a {$79.00} prorated share of the cancelled Green card. ( I was told this was not possible in an earlier call. ) I gratefully accepted the prorated offer and instructed American Express to reinstate the previously issued Platinum Card. Unbeknownst to me, my credit score was now adversely affected because I had recently cancelled two credit cards. This result was not made clear to me by the company. American Express has denied reinstatement of the Platinum Card twice citing : " A serious delinquency on one or more of your accounts '', " The time since your latest reported delinquency is to recent or unknown '', " There are too few accounts currently paid as agreed '', " The ratio of loan balances and loan amounts is too high. '' ( letters attached ). I have closely examined my finances and have not found any delinquencies or accounts not " currently paid as agreed. '' In my opinion, this is a breakdown in American Express internal systems. I have been entrapped by a series of company procedures and computer algorithms that have deeply impacted my credit scores in a serious and harmful manner. I have had repeated contact with American Express. They have told me multiple times that they will not reinstate any of the cards and are unable or unwilling to correct any misconceptions with credit agencies. I have requested that American Express review my communications and acknowledge the systemic vulnerabilities that have devastated my credit score and besmirched my reputation. Their last stated position is " we are unable to reinstate your credit card. '' Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: PA

Complaint narrative:
Received a flag on XXXX credit report rom Enhanced Recovery for amount of {$950.00}. After contacting XXXX I learned this was for an XXXX XXXX XXXX XXXXccount-which I don't have. Nor have I ever had an XXXX XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: IL

Complaint narrative:
Without notice or reason Discover closed my secured credit card. Card # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. {$200.00} security deposit not returned. Did not have a balance when account closed. I have asked about the return of the deposit and told that they do not know when it will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
XX/XX/2022 I was notified of a debt for {$12000.00} as it was flagged as not being paid by XXXX. I use XXXX to monitor my accounts etc. 
the company name in question was Affirm. I had never heard of that company before. I called after finding the website of Affirm. They told me I did not have an account with them and could not provide me with any information. I am still trying to request documentation from Affirm. I have never received a bill, account number, balance or any communication of any variety from Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
We are a small independent school in Virginia. We have used Paypal for collecting payment for services for more than 15 years. One month ago they " limited '' our account and now our funds are being held hostage due to required documents. There policy for account ownership prohibits changing the account owner which is required to be an inidvidual, even for a business. We have been forced to use the prior individuals name, even though I am the current admin. Now with these ridiculous API requirements, we have to provide information that doesn't match the account ownership, because Paypal wont allow you to change it. The account owner retired 10 years ago, by the way. We have almost {$25.00} thousand being held hostage and every time I submit the required documents, Paypal adds new documents to the list. This is criminal activity. There is no change in our amounts processed, all the dollar transfers are domestic and we have a long track record with this company. To hold our money hostage and continually delay our ability to collect it is simply wrong. Paypal must be held accountable for this fraudulent use of our money. We will pay 3 % to collect our money while they invest it and earn on assets that they are holding for undue lengths of time. Paypal must be investigated for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In response to claim number XXXX Transunion has taken longer than 30 days to respond to my complaint. Per the FCRA a credit reporting agency must respond in writing via certified mail proving they did an actual investigation on my consumer report. Transunion must respond with proof to my CFPB complaint or provide a written response to me via certified mail. They have failed to do this therefore must delete the account that was previously disputed.

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 2023-02-14 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: AK

Complaint narrative:
In accordance with the fair credit reporting act convergent Account # 1XXXX # XXXX 2.XXXX XXXX # XXXX 3.XXXX # XXXX 4.XXXX bank XXXX # XXXX Has violated my rights 15 USC 1681 section 602 A -states I have the right to privacy 15 USC 1681 section 604 A- section 2 it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Panamerican Consulting
State: CT

Complaint narrative:
I, was " Solicited " by A Letter in the Mail back in XXXX of XXXX  The Letter offered a Personal Loan- ( Consolidation-Loan ) So, I, Called the Phone Number and Spoke to a Consultant by the Name of XXXX from Panamerican Consutants LLC of Califronia XXXX 
He Said that He would not Reccommend a Consolidation Loan but Offered a " Debt-Reconciliation Program '' This Program would Cost me {$320.00} a month for Sixteen ( 16 ) months! So, I set that up thru my XXXX XXXX XXXX XXXX XXXX as an " ACH-Payment " Payable Once a Month on the XXXX of each Month! So, I have Paid 8-Payments so Far- -- > XXXX $ XXXXXXXX XXXX XXXXXXXXTotal Payments! Last Monday I discovered a Disclaimer on the Regular Website of this Company, so, I, called XXXX Back and asked him about the program and what Am I, getting for my monthly payments? I, do not see where I am Getting any Benefits? 
I, told XXXX that I, was under the Impression that when a Debtor sells off my Debt, I thought they would " Negotiate " a Payoff? 
Their " Disclaimer " says " No " So, I, believe that this is a " Scam "? 
And I, would like a Full Refund? ( $ XXXX XXXX XXXX XXXX XXXX!!! 

XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ct XXXX ( XXXX ) ( XXXX )

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT DO NOT BELONG TO ME. THE ACCOUNTS ARE ON THE FTC REPORT. 
CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I was marked 30 days late in error on my credit report. I received a letter from XXXX that my Selene Financial loan was transferred to XXXX Bank. Since the loan was transferred, I made a payment to my new servicer as indicated on the letter-Shellpoint. Please note the attached check, dated XXXX XXXX2022. 
On XX/XX/XXXX, I was notified by a credit monitoring service that XXXX reported me as 30 days late on my credit. On XX/XX/XXXX, my check was returned ( please see attached ). MY CHECK WAS RETURNED 30 DAYS AFTER THE PAYMENT WAS DUE. 
As per Shellpoint, the check was returned because they didn't fully receive the loan transfer from XXXX XXXX. I am asking that this 30 late reporting be corrected as it resulted from a loan transfer delay. It was not clear as to who to make the payment to and I made the monthly payment to XXXX t prior to the loan being fully transferred. 
This error occurred due to the fact that my loan was transferred from one bank to another and I certainly shouldn't be held liable for this mishap. Had this loan remained with XXXX, this issue wouldnt occur. Since the loan transfer was initiated by the bank ( without my knowledge or authorization ) I am asking for the 30 day late correction on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was alerted by a text message from Comenity regarding 4 {$0.00} charges on my card that were suspected to be fraudulent. I responded that the charges were fraudulent. I received a response that they would send a replacement card. It is now 4 days later and the fraudulent charges are still on my account. I tried to call their fraud department, however no one ever comes on the line after waiting on hold for almost an hour.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$270.00} XX/XX/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 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 
XXXX XXXXXXXX XXXX {$910.00} XXXX XXXX XXXX {$240.00} These accounts are being reported inaccurately and have violated my rights according to the laws listed below. 
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.

15 U.S.C. 1681c ( a ) ( 5 ) States : No consumer reporting agency may make 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 ) States : 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 explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JDJ Investments, INC.
State: LA

Complaint narrative:
I WILL BE MOVING FORWARD WITH LEGAL ACTIONS AGAINST CBS. 

THE GROUNDS OF THIS DISPUTE WITH SAID COMPANY CBS COLLECTIONS WAS THAT YOUR COMPANY WAS SUPPOSED TO NOTIFY ME OF THE DEBT THAT YOU ALLEGED I OWE. WHICH CBS COLLECTIONS FAILED TO NOTIFY ME ABOUT REPORTING DEROGATORY INFORMATION. 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 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 ) ( 1 ). which i am sure your legal counsel will agree that CBS collections did not do. Lets also not forget that CBS COLLECTIONS broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were NOT met. IN MY DECLARATION i asked for validation of debt and DID NOT receive that. CBS COLLECTIONS '' failed to give me my Mini-Miranda five days before 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 LA allows treble damages. Under 809. 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 XXXX and that my state attorney general can also enforce this with a {$1000.00} penalty as well. CBS COLLECTIONS is held liable as well for defamation and in the state of LA a creditor is who collects their own debt is considered a debt collector under FDCPA. OBVIOUSLY CBS COLLECTIONS is not very proficient in the rules of evidence. I NEVER received DOCUMENTATION. there is no contractual agreement that i owe any alleged debt to CBS collections. THINGS THAT A DEBT collector MUST do is offer proof of the debt as owed by providing copies of the signed intrument or judgment from the original creditor. XXXX, FTC informal staff opinion letter, XX/XX/XXXX. See XXXX XXXX XXXX XXXX XXXX XXXX 493 F. Supp. 701 ( D.N.D. 1980 ) ; XXXX XXXX XXXX, 950 f.2D 107 3D cIR. 1991 ) ; XXXX XXXX XXXX XXXX XXXX XXXX , Inc. 943 F.2d 482 ( 4th Cir 1991 ), et seq. 2. I am sure that your legal counsel will agree that CBS collections have violated multiple of the above stated laws. IF CBS collections continue collection activity with not shown me ANY PROOF that i was served my Mini-Mirandi rights, i will be pursuing LEGAL ACTIONS AS WELL AS FILING A REPORT WITH THE LOUISIANA ATTORNEY GENERALS OFFICE. I HAVE ALSO FILED A COMPLAINT WITH THE FEDERAL TRADE COMMISSION ref # XXXX AND the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX {$5900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX {$270.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I called Synchrony in XXXX to work on paying a charge off account. 

I was told that I could set up a payment plan, and while I was making payments that my account would not be sold to collections. I chose this option over the settlement payment because I felt that although I could have paid the settlement amount at the time, paying the full amount, even if over time, would look better on my credit report. 

I set up payments for XX/XX/XXXX and XX/XX/XXXX for {$75.00} each, and both payments were drafted from my bank account without issue. 

I called today ( XX/XX/XXXX ) to schedule further payments and was informed that my account had been transferred to XXXX XXXX, XXXX and that I would no longer be able to make payments through Synchrony as it had been turned over to collections. 

The lady I spoke with today apologized, and told me that Synchony was going to attempt to cancel or reverse the transfer to the collection agency. 

I'm trying to buy a house in the next few months and a rogue account going to collections when I had been told that it would be not be is the last thing I need.

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