vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo caused me and my family, irreparable harm by it's fraudulent foreclosure of our XXXX XXXX XXXX, XXXX XXXX XXXX, and disproportionately XXXX Homeowners, by Giving me a " Modification which I was in total complacence with, after paying as agreed, and then W.F created a false excuse, and started Foreclosure proceedings in XXXX. W.F is in " Breach of Contract made in a meeting that W.F requested, via a phone call to Rev. XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX, where the meeting was held on XX/XX/XXXX. WF XXXX XXXX, and XXXX and 3 others in attendance contracted to do a " XXXX XXXX on my and the memberships filed complaints which never happened to this date. Sending the documented evidence to Wells Fargo and CFPB along with the letter from XXXX XXXXXXXX XXXX, XXXX of NJ XXXX XXXX, and demanding {$1.00} XXXX XXXX  in damages which are defined in her letter to Attorney General XXXX dated XX/XX/XXXX. 

Sincerely, 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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is information on my reports which are causing financial harm to me and my family. These accounts are never late & I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
Fay Servicing continues to increase my mortgage every year by using the excuse that my taxes and insurance are causing an escrow shortage. I in turn have purposely paid extra mortgage payments which means extra escrow payments so that my escrow account is not short this year. I was told that I STILL had a shortage this year of {$1200.00} which I paid on XX/XX/23 and now the NEW ESCROW ANALYSIS shows I have a SURPLUS of approximately {$64.00} but my mortgage payment has INCREASED by the AMOUNT OF THE SHORTAGE. This makes absolutely no sense at all. 

I have paid extra during the year AND the shortage amount and now they have increased my payment by the SURPLUS AMOUNT. 

I want this corrected immediately and I want this company to stop scamming me so that I have to make increased mortgage payments. My mortgage was {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accounts listed on my credit report. I have noticed that the following accounts are marked as late payment, charge off, or in collections : XXXX XXXX XXXX  XXXX Late Payment Account XXXX  XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXX Late Payment Account XXXX XXXX Late Payment Account XXXX XXXX XXXX  XXXX Collection Account GUARANTEED XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account I dispute these accounts as inaccurate, and I demand that they be removed from my credit report immediately. I have been working diligently to improve my credit score, and these accounts are unjustly hindering my progress.

Furthermore, I would like to remind you that under the Fair Credit Reporting Act, it is your responsibility to ensure that the information on my credit report is accurate. Inaccurate information can damage my credit score and impact my ability to obtain credit in the future. I am therefore exercising my right under the FCRA to dispute these accounts. 

I am emotionally distressed and frustrated by the damage to my XXXX XXXX caused by these inaccurately reported accounts. I urge you to take immediate action to remove them from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-03-10 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter to dispute the accounts listed on my credit report. I have noticed that the following accounts are marked as late payment, charge off, or in collections : XXXX XXXX XXXX  XXXX Late Payment Account THE XXXX XXXX XXXX XXXX Late Payment Account XXXX  XXXX XXXX XXXX Late Payment Account XXXX XXXXXXXX Late Payment Account XXXX XXXX XXXX XXXXXXXX Collection Account GUARANTEED XXXX XXXXXXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account FIRST XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX XXXXXXXX Charge Off Account XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account I dispute these accounts as inaccurate, and I demand that they be removed from my credit report immediately. I have been working diligently to improve my credit score, and these accounts are unjustly hindering my progress.

Furthermore, I would like to remind you that under the Fair Credit Reporting Act, it is your responsibility to ensure that the information on my credit report is accurate. Inaccurate information can damage my credit score and impact my ability to obtain credit in the future. I am therefore exercising my right under the FCRA to dispute these accounts. 

I am emotionally distressed and frustrated by the damage to my XXXX XXXX caused by these inaccurately reported accounts. I urge you to take immediate action to remove them from my credit report. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I am still unable to pay bills or withdraw from my checking account. I had previously filed a CFPB complaint about this same issue. Reference number : XXXX. 
M & T Bank responded to say they are reviewing and the CFPB case was closed. That was on XX/XX/2023 and I still do not have access to my money with no further communication on a timeline or whether more information is needed from me. Approximately 90 days has elapsed since I have been able to assess my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: Synovus Bank
State: DE

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I was using my account normally, I made a deposit via cash & check. All my funds cleared and have been held by for over a month. My account has been frozen and walked into the branch multiple times to just close it and called every number but they've done nothing and at this point I feel like I've been robbed of {$270000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
last month i applied for a mortgage because i wanted to buy a house, i was denied because of a low credit score. I was confused because i really don't use my credit often.The mortgage broker gave me a copy of my credit report. I reviewed the credit report and noticed several fraudulent accounts. i contacted the bureaus and they requested the normal ID, social security and a utility bill. after a couple weeks i got confirmation that they where not going to remove them. I am so confused, thats why i am here.

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 2023-03-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I chose to close my New York and Company card with Comenity years ago, but still continued to pay down my balance. The company had done some upgrades to their website back in XXXX of 2022, and users were unable to log in. They stated work was completed sometime in XXXX and that users by then should've regained access to their accounts. Come XXXX, I still could not log in. I gained access like a week into XXXX and then paid my bill. I was charged a late fee that they refused to remove. 
The last statement that generated on my account was for XX/XX/2022, with a balance of XXXX. For months no other statement had generated yet I continued to pay, up to a total of XXXX. In XXXX I decided to login and check my balance, which still remained more than XXXX, despite the account being closed, {$170.00} dollars in payments and interest that was only about {$2.00} dollars. I submitted questions and another request to remove that late fee for when their website was not working and I got the same generic response and refusal. I also explained that my balance was not dropping despite payments to no avail. Fast forward into a request to launch an investigation because I feel comenity is committing fraud on my account, they continue to post late payments and report to the credit bureaus that I am late and now those months of not having statements generated magically show up on my account. I took screenshots of all of this. 
They hound me by calling me about 10 times a day, from different numbers and/or blocked numbers. They sometimes don't identify themselves, and I've had instances where the reps hang up as soon as I pick up. I guess they want the call to show up on the log but they want to get paid for harassing people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.

15USC 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 purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} 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 2023-03-10 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 XXXXXXXX XXXX XXXX {$640.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Re : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX I have disputed this collection account before but Transunion has NEVER required this debt collector to submit evidence of the ACTUAL default date. What appears on my credit report is the date they bought the debt, not the date of actual default, which was at least 13 years ago. 

The law clearly states that a debt must be removed from a credit report 7 years from the date of original default, not the date the collection agency bought the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts has violated my Federally protected consumer rights to the privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights 15 USC 1681 sec 602 A, state that i have a right to privacy.

15USC section 604 A section 2 it also states a consumer reporting agency can not furnace a account without my written instructions 15 USC 1681c ( a ) ( 5 ) sections states, no consumer reporting agency may make any consumer report containing any of the following items of information any adverse
items of information other than records of conviction of crimes, which antedate the report by more than seven years 15USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer any reporting consumer agency if the person knows or has responsible cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX Disputed inaccurate late payments with Transunion for my accounts listed below : XXXX XXXX Acct : XX/XX/XXXX ( 30 days late ) *XXXX acct XXXX $ XXXX ) XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( XXXX late ), XXXX ( XXXX late ), XX/XX/XXXX ( 30 days late ), XXXX ( 30 days late ) & XXXX ( XXXX late ) XXXX acct ( {$4200.00} XXXX ) XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( XXXX late ), XXXX ( 60days late ), XXXX ( 60days late ). I did not receive an update in regards to the results of the dispute nor did I receive information on how they obtained or verified it. According to the FRCA LAW, credit bureaus are to report accurate and verified information. Because they are falsely reported derogatory information on my credit report I want these late payments removed and updated as paid as agreed. After reviewing my credit reports with XXXX, Transunion, & XXXX I noticed that all three bureaus are reporting inaccurate derogatory information on my credit report. They are also not following the proper payment history legend which consist of the pattern of XXXX & etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed that the account I had with Captial One Auto loan is marked incorrectly and with Negative charge off! I paid off this loan entirely! 

I submitted my dispute letters to all the credit bureaus and Capital one ( see enclosed ) and they clearly violated my rights as a consumer. I paid this loan off since XX/XX/2021. 

This has caused defamation to my creditworthiness, credit standing, credit capacity, CAPITAL ONE was required to notify me no later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation. 

I requested the statement of accounting so they can prove i still owe them because i have my proof of payment. This charge off is inaccurate and needs to be removed immediately and marked as PAID IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
My loan with Hyundai Finance was paid off on XX/XX/2019. When paid, Hyundai Finance stated while late, they would show the car was paid in full and satisfied. I never dealt with a 3rd party, the loan always remained with Hyundai. I have requested a correction because this has harmed my ability to apply for loans and credit cards. My most recent call to Hyundai resulted in the same inaction.

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 2023-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Re : LVNV FUNDING LLC XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SC XXXX I have disputed this collection account before but XXXX has NEVER required this debt collector to submit evidence of the ACTUAL default date. What appears on my credit report is the date they bought the debt, not the date of actual default, which was at least 13 years ago.

The law clearly states that a debt must be removed from a credit report 7 years from the date of original default, not the date the collection agency bought the debt.

Company response to consumer: Closed with explanation