vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Wells Fargo Owes Me Money and an Apology from all the stress caused and I should be part of the class action. I Purchased my Home in XXXX and around XXXX Wells Fargo Purchased my Loan from XXXX XXXX and started changing terms ; I had till the XXXX to pay. I just dealt with it and never missed a payment. In XXXX I had to Refinance due to my divorce Decree in XXXX I had XXXX  years to remove co-owner /ex-husband off my home. We chose to do sooner then Later because of his XXXX  and due for another XXXX. I went though an Appraiser from Wells Fargo who was only in my home for XXXX minutes and undervalued my home and made comments. I did the leg work and walked into a random Realtors office and she did Comps and Found Wells Fargo 's Appraiser purposely undervalued my home and due to that I originally was not able to refinance. I took all my information and complaint to the Office in XXXX and they were finally able to help though it should not of been that way. I still have all the emails. In XXXX I was having issues and lost employment temp. I contacted WF and was paying my Mortgage Half/Half each month. Without Warning they kicked XXXX of the Payments back and put me into Foreclose. Even the Worker at the bank knew I made my payments. I tried to work with the Home Preservation Specialist and I was denied any modification or assistance and Foreclosure still Stood. I did not want to lose only home my daughter knew and came up with the funds to pay. The Day before It was due I came up with the last XXXX and went to the back XXXX minutes before they closed. The Manager informed me he already shut down his computer and I would have to come back in the XXXX. I had just started a new job and had to take time off the next day to pay the Foreclosure in Full. I did and the Money was wire at the Branch. Everything should have been back to Normally so I thought. The next week I came home to a Foreclosure Notice Posted on my door. With insult to injury after borrowing almost XXXX to pay money I know I paid and I was then charged legal fees after the fact. I live in fear every time I get a letter from wells Fargo or they don't post my mortgage on time and say it is late. I have called several times and get the runaround they are looking into it then they send a letter they are not in the wrong. Then they sold my mortgage in XXXX I wasn't Notified until end of XXXX and new Mortgage says I am a month behind.

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 2023-12-14 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and Transunion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : XXXX XXXX XXXXand XXXX XXXX XXXX ; Inquiry : XXXX XXXX Inquiry Date XX/XX/2023 .

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I called your department after I purchased a credit report with XXXX dated XXXX. 
After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were COLLECTION and CHARGE OFF and COLLECTION accounts on my credit report. This is disappointing because I have been paying Credit Hero to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these charge off and collection, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 
PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : 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 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 non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-12-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
A {$24.00} balance was supposed to have been waived by Ally Financial. The wavier was not processed in XXXX and no additional communications were sent to me. Ally Financial never reported this on my credit report so I did not know this amount was owed. Ally Financial then reported this to the credit agencies in XXXX and is now severely impacting my credit score such that a mortgage that I'm trying to get will cost me over {$6000.00} more. Ally Financial told me that they can not do anything to remove this from my credit report now.

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 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: WA

Complaint narrative:
I noticed I had a collection with CKS Prime back in XX/XX/XXXX. I did not ask to settle I paid in full the amount due which was {$640.00} on XX/XX/XXXX. I have asked numerous times to have this removed because it has been reporting a balance due now for the past XXXX months. It has caused financial hardship since we are purchasing a house. I have emailed, called, and sent a certified letter. My response was I should contact another company because they bought it. I paid CKS Prime and they are the ones reporting this to my credit reports ( XXXX, XXXX, and XXXX ). Please have this company remove this inaccurate information immediately. I will attach proof of where it was paid and even a receipt emailed to me from CKS showing the balance due is 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed a dispute with Transunion for incorrect personal information as this is in direct violation pursuant with the Privacy Act of 1974. 
Third party collectors is also in direct violation pursuant to of the Privacy Act of 1974 also 15 USC 1681 ( b ) permissible purpose of the consumer.

I also did not give written consent pursuant to15 USC 1681 Sec 604 ( A ) These violations have left me with restraint of trade pursuant to 15 USC 1681 ( a ) ( 4 ) I have the right to the basic necessity in order to live a productive life.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
On XX/XX/2023 I closed on my home and signed documents that reflect a 7.25 % fixed interest rate. My mortgage was sold to another company at a 7.65 % interest rate and upon reaching out to BOTH companies to fix this they have refused to do so stating the original lender told them it was 7.65 % and they have to adhere to it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are numerous unauthorizes inquiries on my credit report. I requested to delete them 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See document attached

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 2023-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
the company is a charge off company I believe they keep spoofing my phone number on two of my phones now what I was told it was for sam 's club and the company who bought their old accounts is portfoliorecov. I spoke with sames club who informed me I do not owe them anything. these charges occured after I had already cancled my card 3 months prior. they said I owed XXXX dollars so I paid them XXXX $ last month which was fraudulent and not even mine just to get them to stop calling me I have proof with my bank and they said they never got anything which is a lie.

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 2023-12-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SoLo Funds Inc.
State: UT

Complaint narrative:
I have attached several screen shots of email correspondence with the company. As those emails show, the loan became past due because I could no longer afford to continue paying it off, and re-borrowing. It became a cycle that was just causing me additional financial hardship because of the added fees and tips on the loan. 

Once past due, I asked the company if there are hardship options. Over the course of a month or so, I was given two options ( neither affordable ), pay it in two installments, bi weekly, and pay it in four installments in successive two week intervals. I provided options I thought might be better for me, and those options were rebuffed. 

Also, and I included this in the screenshot emails, on several occasions the collection efforts from the company included threats of litigation, which I felt is irresponsible and unfair considering I was trying to reach an amicable solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XX/XX/2023 spoke with customer service requesting foreclosure sale be canceled and I had not received letter with foreclosure sale date. Submitted request for mortgage assistance with income. Wells Fargo mishandled processing of mortgage assistance application and mortgage loan financing for my home. My home was financed with a line of credit instead of a FHA loan that I requested. Have spoken with the executive office XX/XX/2023 they admitted my loan was incorrectly processed Also I have not received a foreclosure letter from the foreclosure attorney. The state of Tennessee requires me to receive a notice of foreclosure 30 days before foreclosure of my home. I was told I was mailed Trial modification I never received the papers. I am being told they will not move my mortgage request from intake to loss mitigation it sitting in intake it has been there. I have submitted my request 3-4 times last 6 months. I am a senior citizen don't want to lose my house to foreclosure

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 2023-12-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is an urgent notification letter that your company needs to pay more attention to, and provide fast resolution. Recently, I scanned through my updated credit report and I found some inaccurate and incorrect accounts on my credit report. As Ive said to you from my previous letter, I find these negative accounts so misleading because I have no memory of such charges and transactions. Kindly take this off now from my files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -Equifax -- -- - XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is an urgent notification letter that your company needs to pay more attention to, and provide fast resolution. Recently, I scanned through my updated credit report and I found some inaccurate and incorrect accounts on my credit report. As Ive said to you from my previous letter, I find these negative accounts so misleading because I have no memory of such charges and transactions. Kindly take this off now from my files. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Received pre-selected Wells Fargo credit card application offer for {$0.00} APR for 21 months. Applied like I have for other credit card offers, but rather than getting an approval or denial notification right away online, I received notification to call. During that telephone conversation, Wells Fargo requested all sorts of additional personal and financial information. I supplied what I could over the phone, i.e., telephone numbers, birthdate, address, SSA #, mothers maiden name, and the like. Then Wells Fargo requested even more information in the form of documentation to be sent in. I did not supply any additional information as I was concerned that it was a scam. I believed that their request was inappropriate because no other credit card company has ever asked me for that information as it was extremely invasive and onerous on me to provide. Then, I received a letter and an email denial ( see attached ). 

In the interim, my credit score has been affected and the denial record will remain on my credit score for either one or two years. Plus, I am more concerned that they will use my application information for some type of identity theft. 

Additionally, I believe that Wells Fargos offer was false advertisement, if not a scam, especially since there was no information that they would required all kinds of additional information for the application approval process. As I had mentioned, no other credit card company application offer has ever done this to me. Typically, offers are very straightforward from other credit card companies. 

I believe it was after the phone conversation, I applied for another credit card, which had a {$0.00} APR with absolutely no problem, and was approved online. I have an excellent credit rating.

Three things I would like to happen if possible : 1 ) make sure that my information expunged from their system so it is not used for anything nefarious ; 2 ) have this information expunged from my credit score record ; and 3 ) have Wells Fargo be more specific with their offerings so that its not a false advertisement. 

The file attached of the application offer may not be the original that I applied to, as I may have thrown away the original. I am not sure, as for months, I received these offers and finally decided to take advantage of one.

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 13. Under 15 U.S. Code 1692e.False or misleading representations- ( XXXX ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX  Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this 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