vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
Ok, prior to Covid-19 I was current on my mortgage and then due to Covid-19 payments ceased due to not being able to work. Because of the executive order to stay home I had not made a payment for 18 months. I applied for a forbearance plan to provide temporary relief from making my mortgage payments. I was granted the forbearance and my mortgage was paused. 

As soon as the restriction was eased up, and work resumed I was willing to undertake the responsibility to make payments as my correspondence indicated. This is still my firm commitment. 

I am not asking for them to reduce my monthly payment just want them to resume my monthly payments as usual and or offer me a " streamline modification ''. I also, offered them {$20000.00} upfront to work with me. However, the only offer I was given in return was either a Deed in Lieu or a Short Sale. I was Denied the Proprietary Modification. I then filed a complaint with the Attorney General 's Office, and this brings me to file with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 15 usc code 1681b ( a ) ( 2 ) I have not given any permission to report this account, please remove ACCOUNT from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
To Whom This May Concern, I feel that the escrow department of US Bank is harassing me about a issue from a past encounter with not validating my insurance policy. I summitted all the required information as ask by US Bank and the escrow department took over 6 months to respond and when they did they stated they would check the information and get back to me. After several months of not having this issue resolved I filed a complaint with US Banks Customer Advocacy Department and the issue was resolved in my favor. 
Now a year later I have received a letter from the Bank stating I basically havent paid insurance for a year an I need to pay {$1600.00} dollars and my new monthly payment will increase by {$200.00}. Ive reached out to the escrow department by phone and have been told that this issue is the insurance department and when I contact the insurance department they say its the escrow department. I have again filed a complaint and have gotten no response. 
This issue is harassment and they are raising my mortgage payment and have did so for this month ( XXXX ) right at XXXX. We are on a fix income and how can this issue arise at this time if its not on propose to harass us. 
I have enclosed all the paperwork that was sent to this establishment. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Nevada 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 2021-12-10 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: FL

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: Medical-Commercial Audit Inc
State: MO

Complaint narrative:
MCA collections company repeatedly reported a debt I did not owe on my credit report. I called MCA and they stated that I did not owe the XXXX debt and never owed it but they continue to report for several months. This caused my credit score to decrease by XXXX points each month for several months XX/XX/XXXX. After several disputes it was finally removed. I

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi Transunion has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. transunion has me at a score around 592. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TN

Complaint narrative:
i have several unauthorized and inaccurate accounts on my credit file i need them removed

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 2021-12-10 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: TN

Complaint narrative:
i have several unauthorized and inaccurate accounts on my credit file i need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: TN

Complaint narrative:
i have several unauthorized and inaccurate accounts on my credit file i need them removed

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 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I deposited a payroll check on the mobile app with Citibank. They check was going to be held ; so I proceeded to asking an agent thru the mobichat if they could stop the deposit so I could cash the check and I was informed I could cash it. Two days later XXXX the cash checking place I used called me back that the check was returned. After I found out Citibank was closing my account. Ever since then I have tried many many times to get answer to when will I receive the funds from the account when it was closed and they keep giving me different answers. First, they told me they would send a check it should take 5 to 7 buissness days I never received it. After they told me it was 10 to 15 buisness days that I should receive it by XXXX XXXX. Never received it. Now they tell me they never send a check and that they are awaiting the response from another dept. Which I can not talk to to see if the funds are going to be released to me. I have tried escalating the matter, speaking to supervisors. XXXX XXXX XXXX  and have not gotten any answers. At this point because I had to pay XXXX back I am getting wage garnishment to pay XXXX the money back. The check was in the amount of {$490.00}. I have the last account statement that they sent. Which says the ending balance was {$490.00} there is a {$5.00} Non citibank Atm fee which I dont know why because I didnt withdraw any money on XX/XX/XXXX, a XXXX monthly service fee also XX/XX/XXXX and says other withdrawal XXXX. Which I never withdrew because my account was locked.

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 2021-12-10 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: Credit Management Control, Inc.
State: TX

Complaint narrative:
CREDIT MANAGEMENT CNTRL has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report also XXXX reporting last date of activity is XX/XX/2021 and XXXX is reporting XX/XX/2021 It is a violation to re-age a collection account. This information is reporting inaccurately and does not match my records. 


605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 
( letters attached to show when I disputed account below ) This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
My mortgage on my primary residence with Mr. Cooper ( Nationstar ) has been in pandemic-related forbearance since I lost my job in XX/XX/XXXX. I agreed to a loan modification in XX/XX/XXXX, but they have not sent loan modification documents. I keep calling them, but all they tell me is that it is " in process. '' But it is affecting my ability to refinance a Home Equity Loan ( HEL ) on my vacation home that has matured and will soon be in default. I have had several pre-approvals for HELs, but I'm told they can't close until I make three monthly payments on my modified mortgage. Mr. Cooper says they will reject any payments I send until my mortgage is modified. But they aren't sending me the documents! So they are holding me XXXX. Once my HEL defaults, my credit will be affected and I may not be able to get a loan. I suspect Mr. Cooper is stalling on mortgage modifications until interest rates go up, so they can keep higher interest mortgages they hold from being refinanced. Mine is currently 5.25 %. Are other people having the same problem? If so, this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, New York ; ; Is refusing to help customer Made fun of their outfit I demand a response I wish to prosecute this person For Public Intimidation and Humiliation XXXX Event

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 2021-12-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: IL

Complaint narrative:
XXXX and XXXX knew not to allow XXXX XXXX access to my credit report this month. I had a credit file lock, police report on file documenting ID theft, and a credit alert, ANd a credit lock at all XXXX agencies. Only XXXX ( TransUnion ) fraudulently allowed XXXX XXXX to access my report without my permission. The other XXXX agencies even hinted at this in my alert. TransUnion failed to alert me and block their access, while the other XXXX blocked it and alerted me about what TransUnion allowed. 
I called them and asked them to dispute it because they allowed fraud to take place. They hung up on me 3 times before claiming they finally disputed it. XXXX XXXX men picked up each time.

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 2021-12-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
On or about XXXX XX/XX/2021, I applied for a loan with Nationstar Mortgage /Mr. Cooper ( XXXX XXXX ) led me to believe that after pulling my credit that I was qualified for this loan, and the next step and or process would be simple, he would get the loan to underwriting, I would get an appraisal. The loan should close in about 30 days, and I attached correspondence to support this statement. At no time during this process did anyone from Mr. Cooper indicate that I would need to meet additional guidelines and or requirements under the VA. 
As a result of this loan request and application has affected my credit score and worthiness. I am sure Nationstar Mortgage XXXXMr. Cooper has an ethics policy. My ask is simply that those employees who are involved with this loan and loan application be held accountable in accordance with the procedure. From my past experiences, when employees start making unethical decisions, its because they feel leadership would or has allowed it. 
I say this because I lost my first home to XXXX XXXX XXXX. If you review the case, you will find similarities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XXXX, a fraud charge was placed in my card ending XXXX as amount {$4400.00}. At the same day, I noticed the charge and called customer service immediately to inform this is not made by me. The representative closed my account and sent me a new card ending XXXX and informed they will take care of the fraudulent charge. Later on, a temp credit was issued to my account. About 10 days later, they decided to close my dispute without telling me. And reversed my temp credit card. Once I found out, I called their security team immediately and asked why. They said they thought it was made by me and reopened the case for me. But no temp credits was issued. Fast forward, on XXXX, they told me this time the case was officially closed and it is indeed fraudulent charge. A credit will be issued to me. However I have not received any since then and I will be starting to paying interests for a confirmed fraudulent charge soon. I called customer service more than 5 times to inquiry the progress of credits and they keep telling me I should get it now. But the truth is I have NOT. 
I did my own investigation, seems like Citi is notorious for not returning fraudulent charge. Several posts in XXXX have complained about that as well. Some posters recommended me to file a complaint to get their attention.

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