vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I purchased a home using Va guaranteed loan in XXXX, in XXXX my business was struggling, I filed bankruptcy, I kept the home, I didnt reaffirm the loan, only due to not being aware of it being an option, I tried modifying the loan a few times between XXXX with a lot of troubles. After the discharge Wells Fargo would only talk to my attorney, take my payment and that was it. My attorney was done with the transaction, in XXXX I put the house on the market, I had several offers that would bring in right at pay off. Wells Fargo, still not talking to me, I had to bring my attorney in again, stalled and refused some deals eventually taking a below loan payoff and too my whole Va entitlement. I dont believe that they were fair at all in the process and I have struggled ever since, I saw that they had the settlement going on, and tho mine wasnt foreclosure they didnt I felt it would of if they didnt get the Va entitlement. I tried working with them and. They wont work with me.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA
State: OH

Complaint narrative:
XXXX contacted me about a loan that was not mine, threatened and harassed me until I hired a lawyer, XXXX XXXX, and went to court. They could not provide documents to show I ever had the loan the court ruled in my favor. Now, in some student loan database, while I'm trying to apply for Public Service foregiveness, it's showing a loan with XXXX. After several emails, would call but the company has changed, I can't get this to go away!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This marks my third attempt to address a persistent concern regarding the disputed account with XXXX XXXX XXXX, Account # : XXXX. This is the sole inaccurate item on my credit report, and despite my previous efforts, I have yet to see any resolution from Experian and XXXX in their reinvestigation process. 

I am unhappy by the lack of progress, particularly when compared to XXXX, which promptly removed the disputed account on XX/XX/2023. This inconsistency raises questions about the process and methods employed by Experian and XXXX in verifying this account. If they are sourcing information from a single provider, why is there a discrepancy in the reported details? The lack of streamlined communication among the credit bureaus and the original creditor adds to my frustration. 

I am reaching out again, seeking your assistance in resolving this matter. I believe in the fairness and accuracy of credit reporting, and the current situation has left me questioning the intentions behind the handling of this dispute. I kindly request your immediate attention to this issue to ensure a swift and accurate resolution. 

Your cooperation is highly appreciated, and I look forward to a positive resolution to this ongoing concern.

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 2024-03-04 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, or XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This marks my third attempt to address a persistent concern regarding the disputed account with XXXX XXXXXXXX XXXX, Account # : XXXX. This is the sole inaccurate item on my credit report, and despite my previous efforts, I have yet to see any resolution from XXXX and TransUnion in their reinvestigation process. 

I am unhappy by the lack of progress, particularly when compared to XXXX, which promptly removed the disputed account on XX/XX/2023. This inconsistency raises questions about the process and methods employed by XXXX and TransUnion in verifying this account. If they are sourcing information from a single provider, why is there a discrepancy in the reported details? The lack of streamlined communication among the credit bureaus and the original creditor adds to my frustration. 

I am reaching out again, seeking your assistance in resolving this matter. I believe in the fairness and accuracy of credit reporting, and the current situation has left me questioning the intentions behind the handling of this dispute. I kindly request your immediate attention to this issue to ensure a swift and accurate resolution. 

Your cooperation is highly appreciated, and I look forward to a positive resolution to this ongoing concern.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX Also this PERSONAL INFORMATION DO NOT BELONG to me : Employers : XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Williams & Fudge, Inc
State: KY

Complaint narrative:
I am in debt with a university I previously attended. I had spoken to the Williams Fudge collector known as XXXX XXXX and acknowledged the debt on multiple occasions. They began calling my workplace and also ended up contacting my mother and disclosed the information about my debt without my knowledge. They have lied to me and told me that my debt needed to be payed off on a specific day that he called and made me stay on the phone until I payed it. I am not in a position to pay in full and asked about a monthly plan. But that was not good enough for them, as they began calling my workplace asking to speak with me and telling my family members about my personal business. I receive repeated calls multiple days of the week and I am tired. My debt has been acknowledged and they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/XXXX sent DISCOVER FINANCIAL SERVICE notice to rescind any written or verbal contracts with my signature. And to return the securities and FRN ( XXXX XXXX XXXX ) payments made over the length of the establishment of this account. 
A registered securities was mailed out and accepted on XX/XX/2024, been over 30days.

DISCOVER FINANCIAL SERVICES per CFPB responded with a letter informing me that they will not stop reporting potential harmful information to the public. And will not stop receiving and selling my securities fraudulently, this fraudulent debt thats continuingly collecting interests and principal on my behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/2024, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

.

I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a previous complaint about asking for my loan to be locked in at XXXX rate that day - and rep did a variable rate reduction instead of a locked in rate of XXXX XXXX % I pay {$600.00} extra per month and i didn't notice the rate was on an ARM until 2 years later. 
I tried to get it fixed with wells, had them pull the tapes and listen to them. 
XXXX guy denied me - I escalated - XXXX lady didn't bother to listen to the tapes- and sent the EXACT same form letter asXXXX guy- on the same day she received the complaint and request foe escalation. 
i then complained to CFPB and got a call the next day i got a call from a wonderful lady who listened to the recordings- shared with her management and agreed that i was right. since it had been XXXX years- they said they could no longer offer me the XXXX %- but did offer me 60 months at XXXX % Being scared of the rates going up ( as they did- i reluctantly took it ) Fast forward a few years - I have been putting additional principal onto my loan- i noted " ADDITIONAL principal '' on wells Fargo 's own bill payment system. 
I have called SEVERAL times because they charge me interest on my additional principal payments. I have been told 4 times to pay it XXXX different ways- and wells OWN system cant read its " additional principal payment '' in the remarks. I want the interest back that i feel has been stolen from me. I am getting nowhere calling wells fargo.

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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute certain items on my credit report that I recently investigated. Upon review, I discovered unverifiable, invalidated, inaccurate, and questionable items that were reported by your agency. 

Under the Fair Credit Reporting Act ( FCRA ), it is imperative that all information on my credit report is accurate and verified. However, the items in question do not meet this standard. Specifically, they violate 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) as they are not reported accurately. 

I am attaching copies of all letters previously sent for your reference. I kindly request that you conduct a thorough investigation into these discrepancies and promptly correct any inaccuracies found. 

Thank you for your attention to this matter. I look forward to receiving a response and resolution in a timely manner.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXXXXXX 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 2024-03-04 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:
I implore you to examine the attached documents. I urge the bureau to commence an inquiry into these accounts incorrectly labeling me as late despite my consistent on-time payments.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Credit Karma, LLC
State: TX

Complaint narrative:
credit kama will not update my credit file since year XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account does not belong to me. 

Account Name XXXX XXXX XXXX XXXX Account Balance : {$850.00} Account Number : 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 2024-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
Below are previous emails that, I have sent to Pennymac about my promissory note and those concerns have been ignored completely. 

" HI, This is my second email and I'm still waiting an answer on my previous email and I will not stop until I get an answer in writing. Even if you sell this note I will still go and get my remedy for my security. Your statement " Said document will not fully satisfy your obligation under the terms of the Mortgage and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the Mortgage and the Note for the above referenced loan obligation. Your Statement " Pennymac remains the servicer and note holder for your mortgage. " PennyMac is not the note holder since that note is under my name and ALL CAPS name. I '' m not the borrower in with this note ( security ). I'm the creditor!!

Your statement " It's important to understand Pennymac performs its servicing activities '' Servicing don't give you rights to hold note!! The servicer 's role is to handle the administrative duties of managing the loan, including processing payments ( This debt has been paid already and sold on secondary markets and there is no need to collect payment ), handling escrow accounts, and customer service. You can't hold no notes by law!! That was your statement from previous email and the NOTE in which is my security it is a way of payment and you also claimed that " Said document will not fully satisfy your obligation under the terms of the Mortgage and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the mortgage and note for the above referenced loan obligation. '' I want you to confirm that PennyMac never endorsed my security AFTER I signed back in XX/XX/XXXX. I would like to see a copy of the endorsement without recourse that is stamped on my security, but I never received a copy. 

I want PennyMac to confirm they have not sold my security in secondary markets and why they are refusing to send me a copy of the ENDORSED promissory note for the account : # XXXX. 

I attached a copy of my promissory note endorsed to prove that I will be sending this to the indenture trustee and the trustee for discharge.

PennyMac has lie and lie over and over again and has not provided any answers and documentation to my requests. I also revoked PennyMac from handling all my securities, insurances and anything related to my name with PennyMac. See the attached file. I also sent a copy to the IRS following the IRS guidelines.

Company response to consumer: Closed with explanation