vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
In XX/XX/XXXX, I purchased an air-conditioning unit for my home, and the seller offered an interest-free loan with Wells Fargo which sounded attractive to me so I applied for it. The seller and I called Wells Fargo and signed up for it at sight. At that time, all I was told was that it's interest free and I can set up autopay online, so I did. I should have been careful here, but I was misled to believe the minimum payment would repay the full amount interest free. I confirmed the autopay was working, and I trusted that everything was fine, so I never checked the statements or status ever since until yesterday and realized that Wells Fargo has charged me about {$5000.00} of interest in XXXX of XXXX at which point the balance was paid down to about {$4800.00}. I called Wells Fargo so that I could understand this better and seek for a relief, but they just told me that they are sorry, but I'm solely responsible for this misunderstanding and setting up the autopay that won't repay the full amount within the promotion period. I know I had the access to the statements and all the necessary information, but offering the promotion that can lead to this kind of mistake or massive amount of interest and calling it " interest-free '' without telling me clearly what needs to be done or guiding me to make sure it will be interest free feels unfair to consumers.

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 2024-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: MI

Complaint narrative:
I meet a lady that talked me into money transfers on cashapp to pay to get her inheritance left from her deceased husband so she use this wallet for me to put money in at cashapp account XXXX XXXX so between my wife and I weve lost around XXXX she just kept asking for more money until i finally realized she was using us my credit union also never challenged what were doing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
Dear Federal Consumer Financial Protection Bureau, I hereby submit a formal complaint against Shellpoint Mortgage Servicing ( SMS ), headquartered at XXXX XXXX XXXX XXXX, XXXX XXXX, NY, alleging unauthorized and unwarranted charges, specifically pertaining to Private Mortgage Insurance ( PMI ), and coercive practices regarding escrow accounts. This complaint is lodged with the utmost urgency to the Federal Consumer Financial Protection Bureau ( CFPB ) for investigation and remedial action. 

Background and Grievance : Unauthorized PMI Charges : Since XX/XX/XXXX, SMS has unilaterally increased my monthly mortgage payment by {$260.00}, attributing this augmentation to PMI costs. This imposition has been effected without my consent or prior notification, contravening established financial practices and agreements. Notably, this charge is unjustified as I made a down payment exceeding 20 % of the property 's value at the time of purchase in XX/XX/XXXX. The imposition of PMI under these circumstances not only lacks legal basis but also imposes undue financial hardship, exacerbating my financial obligations amidst timely mortgage payments. 

Escrow Account Coercion : Furthermore, XXXX  has mandated the payment of property taxes and homeowner 's insurance through an escrow account managed by them, thereby circumventing my right to settle these payments directly with the respective municipal and insurance entities. This directive not only restricts my financial autonomy but also subjects me to additional fees, which SMS imposes, presumably under the guise of administrative charges. Such practices are not only predatory but significantly inflate my financial burdens without offering commensurate benefits or justifications. 

Request for Action : Given the above, I respectfully request the Federal Consumer Financial Protection Bureau to : Initiate a comprehensive investigation into the practices of Shellpoint Mortgage Servicing, especially concerning the unauthorized imposition of PMI charges and coercive escrow account policies. 
Compel SMS to provide a detailed justification for the imposition of said charges and practices, including the legal basis for such actions. 
Direct SMS to refund any unwarranted charges levied on my account, specifically the excess PMI payments collected since XX/XX/XXXX. 
Implement stringent regulatory measures to prevent recurrence of such unauthorized practices by SMS or similar entities, safeguarding consumer financial interests. 
I trust that the CFPB will take immediate and decisive action in this matter, ensuring adherence to legal standards and the protection of consumer rights. I am prepared to provide any further information or documentation as required. 

Sincerely, XXXX XXXX XXXX Account Information with XXXX : 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 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
XX/XX/24 : I received email from " XXXX ( TrueAccord ) XXXX ''. 
stating I owe {$260.00} to a " current creditor of your original XXXX XXXX XXXX XXXX account ''. 
I contacted XXXX XXXX XXXX  at XXXX and they advised that I do not owe any money and there is no record of any past due or collection activities on my account. 
I called True Accord at XXXX and spoke to agent # XXXX advising her of my conversation with XXXX XXXX XXXX. I asked her for the account number for the XXXX XXXX XXXX debt. She then asked for personal information that I would not provide. 
She said to respond to the TrueAccord email and someone would help me. 
I responded to the email asking for the account number related to the debt and explained that I spoke with XXXX XXXX XXXX and I have no debt owed. 
XX/XX/24 " XXXX '' from True Accord emailed me back and asked for personal information before he would provide any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: OH

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Had financial duress. Contacted the company to ask for help, did not help. Was put on a payment plan. Ive made each payment for that plan but Im still considered late. Please help me I need these late payments taken off my account.

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 2024-03-18 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:
To Whom it May Concern, I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TOXXXX XXXXXXXX XXXX XXXX XXXXXXXX, OHIO XXXX 3. MY ONLY SOCIAL SECURITY NUMBER : XXXX 4. MY ONLY AND CORRECT DATE OF BIRTH : XX/XX/1971 5. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 
I have attached a copy of my identification card and a recent utility bill for verification purposes, as required by the FCRA. Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy. As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed. Thank you for your prompt attention to this matter.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: OR

Complaint narrative:
My student loans were transferred from NelNet to XXXX in XX/XX/2023. I have repeatedly asked NelNet to reflect on my credit report that my loans have been transferred, but they are still reporting them as open - so it looks like I have double the amount of current student loans. I have provided documentation as well to all XXXX credit bureaus. 2 have fixed it, XXXX continues to let this go on. I have contacted NelNet and XXXX both - each of whom point the finger at the other and will not resolve this issue. I almost was unable to buy a home because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts.

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: MS

Complaint narrative:
I have been working on paying off any bad debts that are linked to my credit report. I have paid alot of money, and then I get a {$6300.00} collections reported on my credit report. I had no contact with anyone regarding it. I researched the company Radius Global Solutions LLC, and found they are not licensed in my state ( XXXX ). Not only that, but my credit report shows the original creditor is XXXX. My entire bill was ( so I thought ) waived and ended phone service free of charge due to being XXXX, and the months leading to XXXX. I had no knowledge of this debt, nor was I contacted. The collections agency is not licensed in my state. My old XXXX account that I had around the time I was XXXX was waived free of charge ( so I thought ) so this collection in inaccurate. It is currently preventing me and my family from buying a home. We have paid XXXX  of dollars in debt and then get hit out of nowhere with this. If I have been mistaken, I do not know what went wrong, or where. Not only this, but due to covid and many other big life events occuring, we fell behind on many things. We have paid nearly all bad debt that was still affecting us.

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 2024-03-19 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
For Avant credit card account# XXXX
For XXXX XXXX XXXX XXXX XXXX  account# XXXX  
Per consumer law, a corporation cannot report transaction history: Amounts, late payments, non late payments, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
My XXXX loans were transferred from XXXX to XXXX in XX/XX/2023. I have repeatedly asked XXXX to reflect on my credit report that my loans have been transferred, but they are still reporting them as open - so it looks like I have double the amount of current student loans. I have provided documentation as well to all 3 credit bureaus. 2 have fixed it, Experian continues to let this go on. I have contacted XXXX and Experian both - each of whom point the finger at the other and will not resolve this issue. I almost was unable to buy a home because of this.

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 2024-03-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Per FCRA 15 U. S. C. 1681, I have requested proof of debt, my signature on any documents stating I agreed to pay said alleged debt and records of a payment history for the alleged debt. This alleged debt states that the loan originated in XXXX. This alleged far exceeds the time frame for such alleged debt to remain on my credit file. 

I have asked that the alleged debts be removed from credit file. It appears on my credit file twice with different amounts but the same account numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
The company has reported that I owe over XXXX which is impossible. I always paid my rent. I moved out of the unit in XX/XX/year>, no one contacted me and said I owed anything. I didnt receive any letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-19 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 have previously disputed XXXX XXXX XXXX XXXX XXXX XXXXDismissed with you. In response, you verified the item as accurate, stating that your office has verified the information with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I contacted the court disputing this bankruptcy directly with their office, and their response is enclosed for review. 

From conversations over the phone and in the letter, they sent me, they have confirmed they do not report to you or any Credit Bureau for that matter ; therefore, your initial response verifying the item with the court was either an error on your part or misleading. 
Either way, the reporting of this Bankruptcy, which I NEVER initiated or requested does not comply with FCRA 611 ( 15 U.S.C. 1681I ), and the information must be deleted immediately.

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 2024-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: NY

Complaint narrative:
FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  New York XXXX XXXX XXXX XXXX XXXX XX/XX/2024 TO : CRIMINAL ENFORCEMENT AND FINANCIAL CRIMES BUREAU XXXX XXXX XXXX XXXX XXXX  NY XXXX RE : ASSOCIATED CREDIT SERVICES, INCORPORATED XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX DEPARTMENT OF CONSUMER AFFAIRS LICENSE # XXXX Dear Sir/Madam, I am writing to formally complain about the conduct of ASSOCIATED CREDIT SERVICES INC. false accusation of debt and financial fraud against the elderly.

Below are the specific instances of misconduct and unethical behavior I have observed : 1. Harassment : My PERSONAL financial institution informed me by email that there was derogatory activity filed against me, which has caused me undue stress and XXXX 

2. Failure to Validate Debt : I contacted ASSOCIATED CREEDIT SERVICES VIA telephone XXXX XXXX XXXX XXXX to inform them that I have " NO DEBT AND NO NEED FOR DEBT ''. Please validate the debt. Several weeks ago to this very day, I have not received any validation via telephone email or any other form of communication. ASSOCIATED CREDIT SERVICES INC FAILED TO VALIDATE THE ACCUSED DEBT. 


3. Disseminating of false Personal Information : ASSOCIATED CRESDIT SERVICES INC. reported false personal financial derogatory accusation about me to ALL credit bureaus affecting financial status ratings. 

4. I AM requesting that ASSCOCIATED CREDIT SERVICES INC. restore / remove all false and derogatory reported information from ALL credit buraus restoring, status ratings. Thereby according to my legal rights.

I requesting that you please investigate this matter as soon as possible. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 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: IL

Complaint narrative:
I am requesting the removal of fraudulent inquiries from my credit report due to the unauthorized and unlawful nature of these inquiries. These fraudulent inquiries not only inaccurately reflect my credit history but also pose a significant risk to my financial well-being and reputation. It is imperative to rectify this situation promptly to safeguard my creditworthiness and ensure the integrity of my credit report. Therefore, I seek the removal of these fraudulent inquiries to restore the accuracy and reliability of my credit profile.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX XXXX XXXX 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