vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I recently found out that my mortgage loan was bought by XXXX by mr cooper ( Nationstar ). Who has quite the track record i found out through this entire ordeal. About a month before my homeowners insurance was due i reached out through their electronic system requesting that they pay my home owners insurance as i was getting notifications that the due date was approaching. A few days later i received a message about how it would be taken care of. Around a week after the due date i get an email notifying me how the company did not pay my insurance premium and how i was in danger of loosing my homeowners. After spending hours upon hours on their phone system i was able to submit proof of my insurance, which is doesnt make sense because the last two companys that bought my loan never needed or requested that information. As far as i know you cant have a mortgage unless they have the home owners information on file. Ive found several hundred reviews that this company uses this tactic to get you off your insurance so they can stick you with their more expensive less coverage homeowners insurance, which should be illegal. So far my policy has been closed. The insurance people say they still have yet to receive any kind of payment even though mr cooper swears that the payment was sent out. And now im responsible for any fees, charges regarding lapse of coverage, etc.. Plus i recently had a homeowners claim approved that im scrambling with because the nature of the whole issue does not look good in general.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My personal information was stolen in 2021, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX : XX/XX/2021 XXXX : XX/XX/2021 XXXX : XX/XX/ XXXX XXXX XXXX XXXX XX/XX/2021 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-09-15 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: MD

Complaint narrative:
On XX/XX/XXXX Transunion had received my first CFPB complaint # XXXX. On XX/XX/XXXX my records, via Certified mail # XXXX XXXX XXXX XXXX XXXX XXXX indicate that Transunion received all the necessary information by law, on my claim of Identity theft and request to block the information. Pursuant to 15 U.S.C. 1681c-2 Transunion has 5 business days to take some sort of action. TransUnion has not responded to my recent request on XX/XX/XXXX nor to the CFPB complaint on XX/XX/XXXX. They are past the 15 days to respond to the CFBP and past the 5 days to respond to my mailing.

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 2022-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
XXXX stated : " Navient will be able to determine the origins of all of your loans. XXXX does not have that information. Navient should also be able to provide histories from the XXXX forward. '' Name of Owner Loan Program Date Disbursed Principal Balance Outstanding Interest Dept of Educ XXXX XX/XX/2017 {$78000.00} {$0.00} Dept of Educ XXXX XX/XX/2017 {$63000.00} {$80.00} Navient refused to provide the origin of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PDQ Services, Inc.
State: PA

Complaint narrative:
Hello, I have only received vague correspondence from you about this debt you claim is owed. In your response you failed to provide me with an itemized list of what is owed where the balance will total {$18000.00}. I would like to know all of your additional interest and fees that might be added or included in this amount you claim I owe. Please include how this amount was reached and where it originated from. I would also, like to know when and how you obtained this debt? What type of debt is this? Is this a judgement, credit card, etc. 
Account number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On the XXXX of every month I have an automatic external transfer done from my people 's united bank checking account to my XXXX  checking account. People 's withdrew {$1100.00} from my checking account on XX/XX/22 for my external transfer to XXXX XXXX. XXXX should have received it XX/XX/22. Effective XX/XX/22, Peoples transitioned over to M & T bank. As of XX/XX/22, XXXX still has not received my XX/XX/22 external transfer from Peoples bank. I have been to Peoples/M & T bank since they reopened on XX/XX/22 ( the transition occurred all XXXXXXXX XXXX weekend ) every day asking what the problem is and all they say is that they are looking into the issue, they can't get the history because it was done while under Peoples realm, they don't have any tracking number for this external transfer and they have no idea where the {$1100.00} went. XXXX XXXX  says they don't have anything in their system under my name, address, account number or social security code so it never went to XXXX XXXX. It's now been 14 days since this transfer was done and no resolution has been reached.

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 2022-09-15 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: MO

Complaint narrative:
Located a loan from XXXX on my credit file that was not instituted by me. Contacted them directly by phone. They refused to acknowledge fraud and my FTC report and documentation of fraud. After receiving the loan contract when requested, I submitted a certified letter to them requesting the account be arbitrated per the contract. This was received and signed by them on XX/XX/XXXX by the authorized agent. I contacted them again on XX/XX/XXXX to ask the status of the arbitration and management hung up and on a re call they refused to take the call when a manager was requested.

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 2022-09-15 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: MO

Complaint narrative:
Located a loan from XXXX on my credit file that was not instituted by me. Contacted them directly by phone. They refused to acknowledge fraud and my FTC report and documentation of fraud. After receiving the loan contract when requested, I submitted a certified letter to them requesting the account be arbitrated per the contract. This was received and signed by them on XX/XX/XXXX by the authorized agent. I contacted them again on XX/XX/XXXX to ask the status of the arbitration and management hung up and on a re call they refused to take the call when a manager was requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: SC

Complaint narrative:
On XXXX XXXX I received a transfer to my account via XXXX of {$300.00}. On XX/XX/2022 I noticed that Wells Fargo had reversed that transfer back out of my account. My husband and I both contacted Wells Fargo numerous times and were told that the sender reported fraudulent activity on his account and this reversed the transfer. The sender did go to our local branch and had a statement notarized by the banker informing Wells Fargo that he did intentionally make the transfer to us and it was not at all a fraudulent transaction. Wells Fargo refuses to return the money to our account because the senders accounts is overdrawn. It is not our responsibility to cover his overdrawn account. He did intentionally send the money to our 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 2022-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I '' m writing to dispute the balance of {$1300.00}. The payment was made on XXXX XXXX through online payment option. The listed amount was ducted from my twice. i notified Synchrony PayPal about the matter. I couldn't get through the automated system for 50min. After getting help a Manger from Synchrony stated : " she would connect me with PayPal, Finial, we are connected and they locate the payment and said it would be resolved. I asked if the account was noted and if I could receive documentation from both parties. I have not received anything. On XX/XX/22 I received a notification of late payment. I spoke with the agent in regards to my account he also admits to seeing the returned and positive payment. This my second attempt sending the supporting information : XXXX XXXX XXXX, XXXX, FL XXXX Please 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 monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I CALLED ALL THREE CREDIT BUREAU 'S I'VE CONFIRMED WITH THEM THAT THE ACCOUNTS HAVE BEEN PAID AND CLOSED.. THEY CONFIRMED THAT AS WELL.. THEY TOLD ME TO CALL THE CREDITOR ABOUT IT..THEY TOLD ME THEY'D UPDATE THE ACCOUNT AND REPORT TO THE CREDIT BUREAU 'S THAT EVERYTHING IS PAID ON TIME AND NO MISSED PAYMENTS.

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 2022-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
I am being contacted by a debt collector attempting to collect a paid debt. They have sent me a statement with no proof to support their claim. They are stating I owe a paid debt. I dispute the validity of their erroneous claim and demand they validate it and cease all communications and efforts to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: DISCOVER BANK
State: FL

Complaint narrative:
Hello, Discover credit has randomly decided to close my account without providing any proof as to why. I have submitted all the required documents they asked for, along with also getting approved for the card just a few months ago. This is completely unfair and this choice of " randomness '' will negatively affect my credit score. I'm not able to dispute this directly with them, which has lead me here. I am looking forward to receiving a resolution for this. 

- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I have the american express platinum card with no credit limit or speding limit.. I wasn't informed as to why my credit was limited to XXXX the annual fee is {$650.00} I've tried to contact american express several times for the past two years. I had to wait a total of 6months and nothing was ever done. I was told the same story there wasnt an answer or the department wasnt available. please i need this resolved and looked into.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2022, I called Citizens Bank to set up a new Savings Account. The phone number on their online banking portal- XXXX is not a Citizens Bank phone. It belongs to a different company that asks you for your personal information. This is a deceptive as it is not disclosed that it is not a Citizens Bank line. 

I hung up and called their general line and they had no idea about it. Regardless, they were unable to help me because they Citizens Bank can not open an account over the phone - Misleading advertising! 

Lastly when I was in the middle of setting up the savings account online, I was directed to their disclosures page where there was an offer for a credit card. This is a very deceptive page as the offer to decline is not as prominent and the option to continue without accepting is not allowed. I pressed continue which then brought me to the screen saying my credit card offer was approved and I would be getting a card in the mail. I DO NOT want a credit card from Citizens Bank and I want this inquiry to be removed from my credit report. Furthermore I want Citizens Bank to look into its deceptive practices and fix this credit offering. Also the false advertising of an incorrect phone number belonging to a different company needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act these accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C SECTION 1681 SECTION 604 A SECTION 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions ( consent ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: EQUIFAX, INC.
State: SC

Complaint narrative:
ON XX/XX/2022 I SENT A DISPUTE LETTER TO EQUIFAX IN REFERENCE TO A MEDICAL BILL THAT WAS SENT TO COLLECTIONS AND REPORTED ON MY CREDIT REPORT. THIS DEBT IS NOT MINE AND REPORTING INACCURATELY TO CREDIT REPORT. EQUIFAX AND XXXX RESPONDED TO MY DISPUTE ON XX/XX/2022 STATING THAT THE ACCOUNT WAS VERIFIED AND 100 PERCENT ACCURATE. BUT HOW CAN THIS BE IF THE TWO CREDIT AGENCIES ARE REPORTING TWO DIFFERENT ACCOUNT NUMBERS AND TWO DIFFERENT COLLECTION AGENCY NAMES? I'VE ALSO SENT LETTERS FOR BOTH OF THEM TO SEND ME THE VERIFICATION OF METHOD FOR VERIFYING THIS ACCOUNT AND THEY HAVE YET TO RESPOND. THIS IS A DIRECT VIOLATION OF MY RIGHTS UNDER THE FCRA AND THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATLEY. 

THE FOLLOWING ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY : 1 : ( EQUIFAX ) * DOES NOT SHOW ORIGINAL LENDER ON CREDIT REPORT* COLLECTION AGENCY NAME : XXXX ACCOUNT # XXXX XXXX : ( XXXX ) ORIGINAL LENDER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX ABOVE IS HOW THE ACCOUNT SHOW ON MY CREDIT REPORT AND I WILL ALSO ATTACH PICTURES. BOTH SHOW TWO DIFFERENT ACCOUNT NUMBERS AND EQUIFAX DOES NOT HAVE THE ORIGINAL LENDER REPORTED. SO HOW COULD AN INVESTIGATION BE COMPLETED AND EVERYTHING VERIFIED AS ACCURATE IF MY CREDIT REPORT CLEARLY HAS INACCURACIES REGARDING THIS ACCOUNT? 

THESE ERRORS NEGATIVELY AFFECT MY GOOD CHARACTER AND REPUTATION AND THE ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I received a letter of debt validation from a company called XXXX XXXX in XXXX, i agreed to pay this creditor to not go on my credit for XXXX XXXX. I finished paying in XX/XX/XXXX. During the last 4 months PROCOLLECT started reaching out to me several times a day as to which on XX/XX/XXXX i asked for a debt validation letter because i had already paid the debt to a creditor who did validate and XXXX was paid in full. The started reporting the debt in XX/XX/XXXX. I've disputed all items and reached out on XXXX  through a complaint. Procollect is stating since the other company is not PROCOLLECT i would have to pay the balance AGAIN to them, which is not true and a scam tactic. They refused to remove this false information on debt that is paid.

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 2022-09-15 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: GA

Complaint narrative:
There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX of XXXX and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: GA

Complaint narrative:
There are 10 derogatory accounts on my report with all 3 credit bureaus, connected to someone else that has fraudulent use my personal info. I have sent the bureaus copies of my identification by certified mail in XXXX XXXX XXXX  and requested the incorrect names XXXX XXXX, XXXX and accounts be removed. I have contacted these creditors and no info will be released to me since I am not the owner of these accounts.

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 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My personal information on the report is incorrect as well as the debt collectors information.

Company response to consumer: Closed with explanation