vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have been current on my car loan for well over a year. I called in on XX/XX/XXXX to make a payment and the payment was declined by the servicing company. I asked why they are refusing my payment and Exeter explained that my car loan had been charged off. I asked why and no one was able to tell me why. I was placed on hold in excess of 35 minutes and eventually they hung on me. I placed several calls over several weeks and was able to get the Vice President of the Charge off dept. on the line and he explained my loan was charged off in Error. My payments were still declined, and I was asked to allow them time to correct this in their system. It took them until XX/XX/XXXX to get this corrected in their system. I was Offred a XXXX extension to cover the XX/XX/XXXX and XX/XX/XXXX payment. They begin to accept my payments as of XX/XX/XXXX and was paid on time, However Exeter reported to my credit report that I was over 30 days delinquent when they refused my payments for 2 months Straight!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
The alleged original debt was from XXXX for collection of services on an account that had been closed prior. The debt was assigned to Sequium Asset Solutions , LLC in 2022. I immediately contacted Sequium Asset Solutions, on XX/XX/2022, in writing to provide proof that the account had been closed on XXXX informed them that the servicer XXXX XXXX  ) was trying to collect for services not rendered after the date of the closed account. I provided email confirmation of the closed account. Instead of responding to my request to correct the mistake, Sequium did not respond and instead assigned the alleged debt to XXXX XXXX XXXX On XX/XX/2022, I contested the debt again with Convergent. I did not receive a response. Now, it seems as though XXXX has assigned the item to XXXX XXXX. XXXX XXXX has NOT provided me with any necessary paperwork to date. 

I was alerted to this through my credit bureau. I am again contesting the validity of the debt and request prompt action in correcting the mistake. 

Each company has reported incorrectly to multiple credit bureaus. I request help and demand that each company correct their records AND work to remove any derogatory marks created on my credit report as a result. I also request confirmation that the matter is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received an escrow shortage letter and wrote Wells Fargo my mortgage lender about it with a certified letter. They are stating I am short XXXX on my escrow account and I am not. I paid XXXX into my escrow account last year and my new insurance rate dropped to XXXX They are stating if I do not pay them the shortage my payment will go from XXXX per month to XXXX per month. 
This is totally incorrect.

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 2023-04-21 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: DC

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 SECTION 602 A Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: DC

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX # XXXX ) has violated several of my rights. 

15 U.S.C 1681 SECTION 602 A Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-04-21 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
This was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. SANTANDER CONSUMER USA claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported.

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I was contacted by XXXX XXXX by text message. I thought that the reason for the contact was to facilitate the sale of my loan from Great Lakes to Nelnet services which I was previously contacted about by Great Lakes. The person XXXX XXXX asked me questions to fill out a form to mail to Nelnet. This form contained the charging of a fee of {$290.00} dollars by electronic automatic debit and auto-payment of my Student Loan of {$49.00} dollars a month for the duration of the loan which was emailed to me when completed. I was to create a hard copy and mail it to Nelnet which I did. The next day I received from FSA an email entitled " Suspicious Activity on Your Student Loan Account ". Upon getting this email I called Nelnet to find out what the consequences of the application I sent to them was. They told me on the phone that the application was received and rejected because it was " incomplete ''. I directed them to void it and put a note on my account to reject any other contact with the company XXXX XXXX. I also called FSA to find out if any information was requested to be changed or new loans created on their end. Thankfully nothing was changed. They told me that the password was changed and for me to change it to something that only I knew because XXXX XXXX most likely still knew it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: DC

Complaint narrative:
You are in Direct Violation of The Fair Credit Reporting Act ( # XXXX XXXX CREDIT CARD ) has violated several of my rights. 

15 U.S.C 1681 SECTION 602 A Clearly states that 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 an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2023-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: AZ

Complaint narrative:
I have had my mortgage with XXXX XXXX XXXX for over two years. During that time I never paid late. My loan was recently transferred to XXXX in XX/XX/2022. The process was very confusing and I received little notice. I ended up paying my XXXX mortgage late according to XXXX. However, I expressed to them how confusing their website was along with their app and was rest assured that because of the transfer there would be leniency. They ended up reporting me late although I was told by law I have a 90-120 day leniency for credit reporting during the transfer process from XXXX to XXXX. They reported me on the 31st day! I tried to dispute with the credit agency and got nowhere. XXXX would not help either. This has damaged my credit severely and has stopped me from pursuing financial prospects. I have worked very hard for the last 3 years to build my credit up and would appreciate a further investigation into this matter. Thank you for your help.

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 2023-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XXXX XXXX XXXX  I moved from XXXX XXXX  to XXXX. In order to register the vehicle, the title needs to be transferred to XXXX, or the lien company needs to send a refusal letter. One two separate occasions ( XX/XX/XXXX, and XX/XX/XXXX ), the XXXXXXXX XXXX Tax Collector 's office has sent requests to Wells Fargo for either the original title of the vehicle loan, or a refusal letter. Both requests have been ignore by Wells Fargo. Tomorrow, XX/XX/2023 the registration on my vehicle will expire rendering it undrivable. My insurance company, XXXX, will drop coverage as soon as the vehicle becomes unregistered. 

To date, the only response from Wells Fargo, was directions to have the XXXX XXXX Tax Collector 's Office send them a request for the title. Which they have already done, twice, prior to Wells Fargo 's response, telling them to do what they already did.

Beginning Sunday morning, I will have loss of use of my vehicle. It will become unregistered, uninsured, and unusable. I'm sure becoming unregistered and uninsured violates some provision of my auto loan, allowing Wells Fargo to seize me vehicle.

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 2023-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
My cards were stolen as I dropped them out of my wallet in gas station I called XXXX right away when I noticed they were gone after going to gas station to see if someone turned them in I talked to XXXX and they said they were closing the card out and sending me a new one. When I didnt get a new one I called XXXX and was talking to a lady on phone and she said they never closed out my card and someone used over a XXXX dollars on said card since my initial call to them about card being stolen due to me dropping them out of my wallet I did what I was supposed to do and reported it to all companies and I just received a letter saying I still owe XXXX dollars and they are taking my money out of my bank apparently they took the other money out of my taxes which is what I just learned why they garnished them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: VA

Complaint narrative:
XXXX Previously i reported that PNC bank refused to provide me with the information they had on a fraudulent credit card application made in my name with my SSN. I received a phone call from someone named XXXX at XXXX on XX/XX/XXXX informing me that since I hadnt uploaded any documents on your site, they still deny me the information. I did receive information from XXXX bank but since PNC is denying me this information I am now having to pursue this with yet another bank for verification of the information received from XXXX bank. Identity theft is a federal crime. PNC is not cooperating with this federal crime. Please take action. 

I did mail all required documents to PNC, return receipts requested. 
See uploaded documents on this site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: SC

Complaint narrative:
I had an account with XXXX XXXX XXXX XXXX. They gave the account to a collection agency. I then paid the account in full. They sent me a letter with proof it was paid. They notified XXXX XXXX continues to report it as a charge off. At this point after so many disputes and they continue to report false info I believe this should be totally removed from my credit report because of the problems being raised.

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 2023-04-21 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I had an account with comity bank / torrid. They gave the account to a collection agency. I then paid the account in full. They sent me a letter with proof it was paid. They notified Torrid. Torrid continues to report it as a charge off. At this point after so many disputes and they continue to report false info I believe this should be totally removed from my credit report because of the problems being raised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Have tried to transfer $ from ally IRA acct to ext acct All 4 transfers have not gone thru Ally continues to delay w/o explanation

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 2023-04-21 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I recently filed a complaint with Portfolio Recovery Associates. Their company states that they provide a letter asking credit bureaus to remove paid lines from credit report. A year and a half later, the accounts still appear on my credit report. When asked to provide a copy of the letter they sent, they stated they could not do that. This denial of my request begs the question of whether o not the letter was actually sent. In my initial complaint, I stated that I merely paid the accounts to have them removed from my credit report. This was not an admission that they were mine. They responded by saying that information linking me to the account came from the original credit bureaus. However, this information was never provided to me nor did I ever submit in writing that the debt was mine and was still owed. However, the debt was owed to the original company and not the credit agency. I would have had no contract with them despite them purchasing the debt from the original creditors. They also failed to provided the dates of when my accounts went delinquent. As per my understanding, an account becomes delinquent after the first missed payment. If the first missed payments were 7 years from the date I paid off the collection, then this company has indeed collecting money outside of the statue of limitations. The company failed to adequately address these issues in their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received the first of several emails from a company sending me an unsolicited email stating that I have an account with them. I know that life is very busy, but I can't remember ever hearing of this company or furthermore given them any of my personal information or consent to contact me. I do not recall owing this company a dime and its highly probably that I have never contracted with this company. In order to resolve this confusion, I have requested VERIFICATION once again VERIFICATION of this alleged debt by all of the following items : 1 ) The original contract with wet ink signature 2 ) purchase order with terms and conditions 3 ) Name, address, phone number of the original creditor. 
4 ) Aggregated value, forward floor agreement, itemized billing associated with alleged account with billing history.

5 ) Proof of ownership 6 ) Proof that this company is even insured and bonded to do business in Michigan. 

If the company can not satisfy these perimeters within the allotted 30 days, given by law, I can only expect for them to follow the federal and state laws that state that they promptly cease all collection activity. Refusal to do so will result in seeking of monetary relief for any damages incurred to myself or my family. Thank you for your swift action to help rectify this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: MD

Complaint narrative:
The credit agencies have repeatedly ignored my Identity theft report that I have sent several times to them. They have repeatedly ignored my requests to delete any addresses or names in which my Identity Theft report identifies. I have provided my drivers license and my a copy of my bank statement for my address. They have been reporting information that did not have my permission. There are companies that are reporting as late payments which are illegal according to 15 USC 1637. There are companies that are reporting which I have sent validation letters too which I have not receive back an answer to who is the Creditor ( in which I am the original creditor as the money was pulled from my account and I am forced to repay with interest ) The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus
have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

If this dispute is not handled in a manner in which I am satisfied I will file for every violation which is at a cost of {$1000.00} per each violation Someone needs to hold them accountable for 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 non-monetary relief