vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
This complaint is regarding the undue hardship I have been experiencing as it relates to completion of a credit assumption of my mortgage loan after undergoing a divorce from my spouse. 

On XX/XX/year>, I had emailed Shellpoint mortgage servicing the General Judgement of Dissolution detailing that I had been awarded the property following divorce from my spouse. I had also requested to start the credit qualification assumption process to which they stated I would be able to pursue. 

On XX/XX/year>, I received confirmation from USPS that Shellpoint mortgage servicing had received my completed assumption package. This was later confirmed by XX/XX/year> by their assumptions department that they had received my completed assumption package and that a loan officer would be reaching out in the next 10-14 business days. 

Since that time, I have regularly emailed them for updates regarding the status of my credit assumption request. I have sent them a total of 5 requests for updates, with an average response time from them of 9 days. It has been 95 total days since they have received my completed assumption package, and I have yet to receive a response from one of their loan officers. On their website, it states it may take 60-90 days for a credit assumption request to be completed ( due to divorce ) upon receipt of the completed assumption package. I have exceeded this timeframe and have yet to hear back from a loan officer. 

Thus, I am submitting this complaint due to their lack of transparency and because of the undue emotional hardship I have been experiencing throughout this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Several accounts on my credit report have been resolved or closed, but they continue to appear as open or delinquent. The credit bureaus have not updated the status of these accounts despite my efforts to report the accurate information. I am requesting CFPB intervention to ensure these resolved accounts are removed from my credit report.

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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ALL customer service representatives stated a banker in the branch has the ultimate knowledge to interpret the terms and conditions. 
To properly interpret the clause : You have received a bonus for opening a Wells Fargo XXXX Checking account within the past 12 months. 
On XX/XX/year>, at XXXX XXXX, I spoke to XXXX XXXX XXXX identified himself as personaXXXX XXXX at the local branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : ( XXXX ) XXXX He stated - clearly and unambiguously that it means the 12 months period begins from the date of the previous account opening. 

This is important the interpretation of the clause now remains THE SAME meaning as before I opened the account by a banker at the branch, who has the ultimate knowledge.

I certify I am telling the truth and only the truth.

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 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
-Account name XXXX XXXX XXXX number XXXX -Account type Cell Phon -Date opened XX/XX/year> -Status Collection account. {$4.00}, XXXX past due as of XX/XX/year>. 
XXXX updated XX/XX/year> -Balance {$4200.00} -Balance updated XX/XX/year> -Recent payment - -Monthly payment - -Original balance {$4200.00} -Highest balance {$4200.00} -Terms 1 Months On record until XX/XX/year> This is what shows up on my credit report. I HAVE NEVER been a customer of XXXX nor had a cell phone through them. I have had XXXX XXXX for the last XXXX years. This was not me who attained this debt. I disputed with all three credit reporting agencies and could not reach the number for XXXX to discuss.

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 2024-11-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
-Account name XXXX XXXX XXXX number XXXX -Account type Cell Phon -Date opened XX/XX/year> -Status Collection account. {$4.00}, XXXX past due as of XX/XX/year>. 
-Status updated XX/XX/year> -Balance {$4200.00} -Balance updated XX/XX/year> -Recent payment - -Monthly payment - -Original balance {$4200.00} -Highest balance {$4200.00} -Terms 1 Months On record until XX/XX/year> This is what shows up on my credit report. I HAVE NEVER been a customer of XXXX nor had a cell phone through them. I have had XXXX XXXX for the last XXXX years. This was not me who attained this debt. I disputed with all three credit reporting agencies and could not reach the number for XXXX to discuss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and fraudulent reporting on accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I identified the following discrepancies : 1. Name The report incorrectly lists an alternate name that I do not use : 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 2024-11-04 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: IL

Complaint narrative:
The inquiry was not authorized by me, and I did not communicate with this lender on the specified date

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-11-04 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: IL

Complaint narrative:
I am reaching out for your assistance with the false account showing on my credit report. This has affected my reputation as a customer, and I need your help. I request that these accounts be removed as they are reported inaccurately and in a negative light.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XXXX, XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-11-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. XXXX {$630.00}, XXXX {$720.00}, XXXX {$870.00}, XXXXXXXX XXXX {$440.00}, XXXX XXXX  {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am reaching out for your assistance with the false account showing on my credit report. This has affected my reputation as a customer, and I need your help. I request that these accounts be removed as they are reported inaccurately and in a negative light.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report. 

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items. 
The identity of the entity or entities responsible for conducting the verification process. 

Any documentation or evidence used to substantiate the accuracy of the disputed items. 

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I AM NOT THE " XXXX '' that owes this debt! How many XXXX times do I have to tell XXXX XXXX XXXX " XXXX '' that I have NEVER in my life lived in XXXX! If anything, I believe that this is a case of credit fraud! XXXX can NEVER EVER prove I lived in XXXX I can sure as XXXX prove I never have!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I was switched over to Mohela when XXXX XXXX exited the servicing business and Mohela was the only servicer for PSLF. 

Last year, they ignored official federal guidance on extensions of income certification deadlines and had me recertify earlier than necessary. This year, they sent a letter on XX/XX/XXXX dated XX/XX/XXXX stating that : " We are required to notify you that your repayment plan is due to recertify 95 days prior to the anniversary date of your plan. '' XXXX bullet points later they mention : " To maximize your current payment period under your XXXX plan, your request will be held and processed prior to your recertification deadline of XX/XX/XXXX. '' Not sure who's handling basic date math on their end, but that is not 95 days notice. My current plan anniversary date is listed as XX/XX/XXXX and 95 days before that would be XX/XX/XXXX. XX/XX/XXXX ( date notice was sent ) was only 39 days notice. 

Many others with similar dates posting on student loan forums have mentioned their accounts with XXXX and XXXX have had their recertification extended out by a year to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: KY

Complaint narrative:
A {$2.00} payment due XXXX XXXX was XXXX day late. A {$40.00} late fee was charged and {$1.00} interest for the {$2.00} balance. I called and was told yes that is correct.

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 monetary relief
Consumer complaint received 2024-11-04 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently reviewed my credit report and found several accounts I believe were added without consent. Request immediate removal of these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
I AM NOT THE " XXXX '' that owes this debt! How many XXXX times do I have to tell Portfolio Recovery Associates " XXXX '' that I have NEVER in my life lived in Missouri! If anything, I believe that this is a case of credit fraud! XXXX can NEVER EVER prove I lived in Missouri! I can sure as XXXX prove I never have!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
I was currently requested debt validation as I wasn't aware of the debt well after arguing and fighting with my ex wife about this debt I learned that she took it out without my knowledge and I didnt know nothing about this debt. So I sent on XXXX XXXX by fax a payment plan and I haven't heard nothing back from them and I wanted to find out if they are any way someone can help me out with this please. Below is what I sent them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I was locked out of my Capital One accounts and my money was frozen and not accessible to me. I callled to verify my account information and try to get clarification on why this happened. When I called the wait was about 10 minutes, I spoke to a representative and they asked me a host of questions, including how many devices do you use, how do you log into your account etc. I had to upload my State ID to verify my identity, after that they asked me if I recently forgot my password or log in. I responded no, I did not. That I changed my password because it was found in a data leak. A few minutes later the representative stated based on the information they gathered, they couldnt have me as a customer anymore and after an investigation is completed I will be contacted about when my funds will be released to me in a check through the mail. No time table was given, no follow up information was given. I told the representative that I needed access to my checking account balance and couldnt wait for this decision, for medical bills for XXXX treatments and rent, I asked is there anyway I can transfer the money or take it out somewhere. They stated that the final decision was made to end the relationship, then they stated that a final decision would be made soon, again no timetable. I asked if I can speak to someone above them about the matter, first he stated yes then said no there wasnt. I asked multiple times if I can speak to anyone else about this, he stated no. My accounts were then blocked from me, denying me access to my funds and balance, until some unknown time or date in the future. I feel confident that I proved my identity and followed all the necessary steps to be allowed access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This notice addresses disputed late payments on my credit record that remain unresolved despite my written dispute submitted XXXX days ago. Your failure to respond or validate within the mandated timeframe violates federal credit reporting laws.

Company response to consumer: Closed with non-monetary relief