vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-06 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: FL

Complaint narrative:
I have loan with DEPT OF EDUCATIONXXXX XXXX I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 90, 120 and 150 days past due. Ive never been behind on my payment. I tried contacting the 3 credit Bureaus and the DEPT OF EDUCATION/XXXX but they have provide me with noting tangible, which reflects anything verifiable. There is definitely an error with their part. I was never late on this account. Investigate properly and please update for 100 % accuracy. DEPTEDXXXX  XXXX Date Opened : XX/XX/2016 Balance Owed : {$0.00}

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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Zions Debt Holdings
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, [ ZIONS DEBT HOLDINGS LL ] has violated my rights. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. The Estate of XXXX XXXX XXXX is not privy to any contracts between ZION HOLDINGS LLC and its associates. I DO NOT UNDERSTAND, I DO NOT CONSENT, I DO NOT ACCEPT. I DEMAND A CEASE AND DESIST, YOU ZION DEBT HOLDINGS ARE NOT AUTHORIZE TO USE OF THE TRADE NAME OF THE ESTATE OR COPY RIGHT ON ALL MEDIUMS AND PUBLIC PLATFORMS. FAIR NOTICE TO ALL PARTIES INVOLVED. THIS IS A XXXX COPY RIGHT INFRINGEMENT VIOLATION ACCORDING TO THE ESTATE FEE SCHEDULE OF FILE. THE ESTATE WILL ALSO BILL XXXX FOR COMMERCIAL INJURY. THIS IS A PUBLIC COMMUNICATION TO ALL All rights reserved UCC1-308 Notice to agents is notice to principles Notice to principles is Notice to Agents Applications to all successors and assigns

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
There are three attachments that should be reviewed here. 
1. Attached letter for hardship sent to servicer 2. Copy of conversation with servicer that shows something got approved on XXXX  3. Letter to CrossCountry Mortgage about issues with their servicing company XXXX and lack of transparency for loss mitigation, it's a black box.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am a victim of Wells Fargo Mortgage Modification Lawsuit. I was incorrectly denied Home affordable mortgage modification under the HAMP Federal Assistance Program from XX/XX/XXXX to XX/XX/XXXX. I have Lots of dated information showing communication and proof of my statement. My home was put in foreclosure and I was forced sell XXXX XXXX. 

XX/XX/XXXX, I was given a number to call Wells Fargo by CFPB concerning my complaint. When I called I was told by Wells Fargo, XXXX, that my mortgage unable to qualify and was not included in the CFPB settlement. 

Wells Fargo, its doing the same things they did before the lawsuit, not compliance, lying and denying to solve the issues. 


Complaints : Submitted to Wells Fargo XXXX CFPB XX/XX/XXXX Case number : XXXX Other agencies Respectfully, 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
Consumer complaint received 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I visited the BJs Club located in the XXXX XXXX XXXX XXXX XXXX, Florida on XX/XX/XXXX. The visit was to renew my BJs Membership with a promotional offer of {$20.00} for a one year membership. The representative offered me a credit card, and I explicitly said I was only interested in renewing my membership and not opening up a credit card account. The following charges have been fraudulently made with this credit card and as an XXXX XXXX XXXX widow I have no knowledge of any of these purchases : XX/XX/XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX CA XXXX XX/XX/XXXX LATE FEE XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
Residences at XXXX sent me an eviction notice XX/XX/2022 with a vacate date of XX/XX/2022. 

In XX/XX/2022 I paid the company through EFT ( bank statement attached ), the pro rated portion of the rent owed through XX/XX/2022 accounting for the {$500.00} security deposit that was withheld post eviction, totaling {$1400.00}. 

Per the notice attached I owed, {$1400.00}. 

Bottom line, I don't owe anything other than {$36.00}

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 2023-04-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
My original loan with The Loan Depot # XXXX was transferred XX/XX/2022. During this time, my payment was mailed to the original loan number and address. While being changed to loan # XXXX, my XX/XX/2022 payment and XX/XX/2022 payments were marked late due to the both being sent to the wrong address ( original loan payment address ). Then in XX/XX/2022, I sold my home and the loan was paid off. It is my understanding that it is illegal for a mortgage company to mark any payments late during a loan transfer period. This is exactly what happened here and i want my credit report corrected. I am a Veteran and this is keeping my from obtaining a new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I noticed that XXXX XXXX XXXX  was pulling my credit and I called them to ask them what they were pulling my credit on and they told me they were trying to pull it on two things Capital One from XX/XX/XXXX and XXXX from XX/XX/XXXX. So this one that is 15 years old & one that is 26 years old. They were both discharged in bankruptcy 13 years ago but they're still pulling my credit they can't prove that I owe the debt they can't prove that they have the right to go after this debt and they can't prove that they're out the right after the limitation that has expired

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: PA

Complaint narrative:
There was a an improper debt reported to my Credit report. XXXX XXXX XXXX  incorrectly charged me for service day after I scheduled shut off for XX/XX/XXXX. They did not close my account until XX/XX/XXXX. Therefore I was charged {$100.00} incorrectly. I spoke to XXXX XX/XX/XXXX at XXXX at XXXXXXXX XXXX XXXX. She explained to me the error on their part and they credited me {$50.00}. XXXX said they would remove the collection under I.C. Systems from my credit report with a payment of {$52.00}. I submitted that payment immediately in order to clear this matter up and get it removed from my report. She said it will take 4-6 weeks to remove from my credit report. 

This is unacceptable. I took care of the payment immediately because of their improper billing, therefore this collection account under I.C. Systems for the amount of {$100.00} should be removed 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 explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
I had a loan with Santander bank for a car that I got in XXXX of 2022. My car was deemed totaled mid XXXX of 2022. During the process of my insurance company paying for my totaled car, Santander bank continued to charge me and claims that I was 30 days late on one payment, and 60 days late on another payment which made my account show up as delinquent. My insurance company, XXXX, paid XXXX and my GAP insurance paid the remaining balance. But on Santanders end, my account still shows up as delinquent and that I owe them XXXX even though they have received the check from both my regular insurance and GAP insurance which is hindering me from being able to get a new car

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal Credit Union has been opperating illegally and wrongfully reporting information on my credit report with all three bureaus for over 5 years. I recently submitted disputes via XXXX, XXXX, and XXXX and in a effort to cover up they're wrong doing they updated my past dues of {$8800.00}, {$9700.00}, {$19000.00}. I never received a XXXX for any of those accounts to be current with the IRS. In an attempt to retrieve the XXXX they refused to send me the XXXX and informed me that they can not do that. This level of mistreatment, malpractice, and unfairness have costed me years of missery, ability to provide, and restraint from being in a better place financially. All of my accounts across all bureaus have been updated to reflect in favor of Navy Fedral Credit Union. I am being medically evaluated for permanent mental conditions due to overwhelming anxiety, XXXX for years of financial stress along other mental ailments that I incurred during my combat XXXX to XXXX. Navy Federal have deprived me of the ability to become financially sound and I am afraid that I will not be able to provide for my family due to an overwhelming amout of charged-off accounts I couldn't report due to the XXXX being deprived from me for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from 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 2023-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
This began with Wayfair retail harassing and racially profiling me being XXXX while shopping. Citibank ongoing harassment and retaliation against me because I filed complaints about their harassment and ongoing XXXX profiling me. My account was closed due to Citibank stating my account was closed due to non payment and Bad payment history! 

I have never paid this account late nor have I missed any payments! My payment history is perfect! 

Citibank retaliated against me because I filed complaint XXXX. 

I called them requesting in writing the reason for closing my account. Citibank refused my request and hung up the telephone. 

Citibank employees ongoing harassment against me because I am XXXX XXXX and was shopping while being XXXX. Citibank refused to tell me how my payment history was bad! 

They have caused me unjustified financial injuries and I have done nothing but being an XXXX XXXX woman! I have nobody standing up for me! I stand up on my own and companies like CitiBank continues to hire XXXX  people in positions that they are allowed to harass, discriminate and do racially motivated harassment towards their XXXX Customers.

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 2023-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: AZ

Complaint narrative:
I settled this account on XX/XX/2019. The debt was never reported correctly. My wife and I continue to receive harassing phone calls threatening litigation against us.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been working on my Equifax credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, IL XXXX. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent in a letter to Experian on XX/XX/2023, requesting an investigation into items on my credit report. 

On XX/XX/XXXX at XXXX I received a email saying that they believe I did not request this investigation and that they believe it was from a third party, it was not, it was from me! 

The email is as follows : XXXX XXXX, " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. According to the federal Fair Credit Reporting Act, " '' if the completeness or accuracy of any item of information contained in a consumers file at a national consumer credit reporting company is disputed by the consumer and the consumer notifies the company directly of such dispute, the company shall reinvestigate free of charge. '' '' Therefore, you can dispute any inaccurate information directly with Experian for free. 

If you believe that information in your personal credit report is inaccurate or incomplete, please call us at the phone number XXXX, or visit our secure web site to upload your documents at www.experian.com/dispute. 


I called them and informed them that it was indeed myself that submitted the request for investigation, and they advised me over the phone that there was nothing they can do. 

On XX/XX/XXXX, I sent another letter to them accusing them of stalling my legal right to request an investigation into items on my credit report and advised them that it was indeed myself that requested the originally investigation. 
Again, on XX/XX/XXXX I received the EXACT same stall email at XXXX. 

I have sent 2 letters to Experian myself ( NOT from a 3rd party ) and both times they have refused to action a legal requirement that I XXXX XXXX XXXX requesting an investigation into certain items on my credit report. They have stalled and gone over the 30 days that they are supposed to investigate within.

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 2023-04-06 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax intentionally held up accurate credit reporting from my creditors. I informed Equifax that XXXX and XXXX were notified by 4 of my creditors and Equifax skipped an entire month or more of updates. When I called they ignored me and wasnt able to properly communicate being off shore and reading scripted responses. I was placed on hold for almost 2 hours on my last call them hung up on when no one wanted to address why my Equifax file was not updated in a timely manner. They stated every 30 days and the amount that was reported from the creditor in 30 days they did not input the details to avoid the work. My creditors even answered the disputed and they refused to updated even after being aware the amounts reported were incorrect. In turn Equifax improperly reflected my hood credit standing causing a denial in a major purchase. The representatives are very rude and dismissive .. this causes great concern when they have access to all of my personal information. To date this still hasnt been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, XXXX and TransUnion were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX, Equifax and XXXX were XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of Inquiries that are still reporting on my Credit Reports : XXXX XXXX NA Inquiry Date XX/XX/XXXX, XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation