vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr. Cooper, my mortgage servicer, failed to erred in paying my property taxes resulting in a lien being placed on my house in XX/XX/XXXX. I received a notice from the XXXX of XXXX XXXX that taxes had not been paid on my house and the XXXX placed a lien on my property. I alerted Mr. Cooper. They did not post the payment until XX/XX/XXXX. Mr. Cooper said the payment was received by the XXXX of XXXX XXXX on XX/XX/XXXX. I called the XXXX of XXXX XXXX on XX/XX/XXXX after receiving a second delinquent tax statement. The XXXX of XXXX XXXX Tax Office stated they have not yet received the payment. 

Mr. Cooper has caused a lien to be placed on my property for months, was delinquent by months in trying to remedy the problem, and has yet to remedy the problem. Mr. Cooper has exposed me to risk of losing the property through their error and their delay. They were unhelpful and appear unmotivated to fix the problem with any urgency. 

Mr. Cooper does not have the best interests of customers in mind and are reckless with the mortgagee 's property rights. They have failed in any fiduciary duties they may have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NJ

Complaint narrative:
Ensuring timely payments on this account has been a priority for me, ensuring they're never overdue. I'm unclear about the reasons behind the reports of late payment remarks on my accounts. As per 15 USC 1666b, billing errors should be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
I recently looked at a copy of my credit report and noticed several inaccuracies on my account. I have written to this company to ask for an investigation. There has been no response in 60 days. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
XXXX XXXX  XXXX ( XXXX ) sold my credit card to Comenity Capital Bank sometime in XXXX. I was on auto pay with XXXX. Shortly before the sale to Comenity, XXXX made some errors with the amounts they ( XXXX ) took from my bank account. The result was an incorrect balance on my XXXX account. I forwarded the correct information, along with my bank statements to Comenity on XX/XX/XXXX. I never heard from Comenity. Recently i received a collection letter from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting.

2. Verification of their claim against you : that is, a signed Invoice.

3. A copy of the contract binding between me and you in a letter by certified mail.

4. Full disclosure because I was not told that I was creating the credit with my wet ink signature.

5. Equal consideration because you as the creditor brought nothing of value to the table.

6. Lawful Terms and Conditions.

7. Wet ink signatures between you and me. 

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: NY

Complaint narrative:
Dear To Whom may concern, I am writing this letter to you that I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt that is the actual accounting.

2. Verification of their claim against you : that is, a signed Invoice.

3. A copy of the contract binding between me and you in a letter by certified mail.

4. Full disclosure because I was not told that I was creating the credit with my wet ink signature.

5. Equal consideration because you as the creditor brought nothing of value to the table.

6. Lawful Terms and Conditions.

7. Wet ink signatures between you and me.

Reporting information you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: MS

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I went to the Wells Fargo ATM # XXXX outside located at XXXX XXXX XXXX, XXXX, TX on XX/XX/year> at XXXX and tried to withdraw {$1000.00}. I put my XXXX debit card in and entered my PIN and selected {$1000.00} cash. It went through all of the motions and acted like it was dispensing the cash ( it even made the 'counting or dispensing ' sound ). when the door opened, there was no cash and there was a notification on the screen that said this transaction can not be completed at this time. I received my receipt and it showed that it had taken the {$1000.00} plus a {$3.00} service fee out of my XXXX Checking account. I immediately looked at my bank account and the money was removed from my account. the Transaction # is XXXX. I went into the bank and told the teller what happened. He said to his manager 'do I just give her her money back? ' and she looked asked me if i had an account with Wells Fargo. I said 'no, but my husband does " to which she replied that I was not on his account so I would have to go through XXXX to dispute the charge. She then told the teller 'this is the same thing that just happened to the man in front of her, but he has an account here so we were able to refund his money '. I asked why they couldn't refund my money if they knew this was happening and she said 'the machine has been running out of money alot and there is nothing I can do '. I left the bank and went home and called XXXX XXXX XXXX  and filed a complaint. They issued a temporary credit while there is an investigation and said that Wells Fargo has 45 days to dispute my claim. Wells Fargo should be refunding my money instantly and not make me wait 45 days! This is not a small amount to me. Their ATM malfunctioned and yet I have to pay the penalty? I will never use their ATM again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am XXXX XXXX XXXX with XXXX XXXX XXXX. I am renting and own no property. I live from a small IRA, Social Security and a large contribution monthly from my oldest son. 
My XXXX son, XXXX XXXX XXXX borrowed from a private lender while attending XXXX XXXX XXXX  school. I ended up cosigning XXXX student loans while he was a student almost XXXX years ago. 
He has been unable to pay off his loans due to the overall size of his debt. The company now handling the loans is XXXX. He is currently on a repayment plan with XXXX for loan XXXX  XXXX XXXX XXXX XXXX. 
My wife died in XX/XX/2023 of complications of XXXX. We had all of our credit cards in her name because she had excellent credit scores. We have never had consumer debt, always paid our obligations on time and we have never use any credit except mortgages when we owned our home. 
I am now left with being unable to obtain any credit cards in my name because the XXXX  loans reported by XXXX are in arrears. I have no debts except a car loan which I pay monthly and always on time. 
I would simply ask that XXXX remove me from the credit report since I have no assets and they will not have anything to collect when I die. It serves no purpose to continue to have me on this loan as a co-signer since I have no assets and limited income. 
It remains a source of family stress in my/our relations and there is no hope that XXXX  will received any proceeds when I die. I have life insurance and a small IRA both of which are not available to lenders.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had a fraudulent account on my report Please remove this account from my report, it is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 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: CA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by ADR.ORG. 
I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you XXXX opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, XXXX, emotional distress, and financial hardship that your actions have caused me. 
Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. 
I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the ADR.ORG website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. 
Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. 
I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. 
Please send all correspondence related to this matter to the address listed above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED Please eliminate these deceptive accounts from my credit report, as I never authorized their creation. Kindly delete this incorrect entry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: ME

Complaint narrative:
My yearly taxes were due in XXXX of XXXX in the amount of {$1300.00}. The company states they paid {$440.00} on XX/XX/XXXX which was late cause they are due on the first but the Town is stating that they have not received this payment and I still owe full payment. I asked for the receipt of the {$440.00} to show the town but the company will not provide that to me. I get the run around, as of now I have a lien on my property all kinds of money in my escrow and my taxes aren't getting paid. When I look ahead to XXXX of XXXX the same scenario is going to happen cause they only seem to have XXXX going out for my taxes in my escrow analysis even after talking to them about it. I also just received a letter about my house being foreclosed on by the town on XX/XX/XXXX 2024

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX in XXXX Texas sold solar panels to me and financed them through Dividend Financial, a division of Fifth Third Bank. I purchased the solar panels around XX/XX/XXXX. I put my house on the market in XX/XX/XXXX and it went under contract in early XX/XX/XXXX. When the title company conducted the first title search upon the house going under contract, there was no lien on the home. The house was set to close on XX/XX/XXXX. The title company ran a second title search on the property on XX/XX/XXXX and discovered that a lien had been filed by Fifth Third Bank on XX/XX/XXXX. I contacted the company and went through the process required to have the lien transferred to the new home I was purchasing and the company approved the transfer. They claimed that they filed a release of the lien on the old house so the sale could be completed. They stated it would take XXXX business days for it to be filed with the appropriate county. After XXXX business days, with nothing recorded by the county, I called the county and they stated that nothing had been filed, and if it had, it would have been recorded the same day. Dividend financial has been less than cooperative in this matter and almost caused me to lose the sale of my home. The only way I was able to complete the sale was to have the proceeds from the sale go to pay off the solar loan.

Company response to consumer: Closed with explanation