vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
made numerous tries, phone calls and letters to verify this debt. I was told they have no record, or information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
Experian, XXXX, and XXXX refuse to move public records off my credit report. I submitted my dispute on XXXX and Experian XXXX, and XXXX had my results on XXXX. They didn't reinvestigate anything. I asked for the contract with my signature on it. They failed to send me any information validating where they received their information from. I submitted a letter from the XXXX court stating they don't report or validate anything to the credit bureaus. I asked that Experian XXXX, and XXXX remove this public record off my credit report asap. My race and age is playing a big part of Experian XXXX, and XXXX unfairness. I have submitted all the proof they need several times. I need this issue resolved asap. Experian XXXX, and XXXX is very XXXX and doesn't put accurate information on certain people credit report.

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 2022-01-11 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: GA

Complaint narrative:
The below listed student loans that are being reported within my credit report is inaccurate account information. I have never been to college or took out student loans. It is not clear to me how these student loans could have become merged within my credit file. Perhaps it was the result of a mixed file incident on behalf of you, the credit reporting agency or the original creditor. Whichever it is, the fact remains, these student loans are incorrect payment history information. I sent out my first complaint on XX/XX/2021, no response. I sent the next letter on XX/XX/2021 and still no response. I gave them a call the following week and got no update on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: FL

Complaint narrative:
The available beginning balance of {$9500.00} stayed in my account no withdrawal until XX/XX/XXXX. The card was requested without my consent to an unknown address on or around XX/XX/XXXX is what I was told on or around XX/XX/XXXX by your customer service. The procedure that Ihad to do was send in my identification to change the address on XX/XX/XXXX XXXX. What I see is a violation on the consumer liability laws .My account was compromised by an individual who requested a Debit card to be mailed to them with an unknown address they have no record according to the customer service when we spoke on numerous dates .The theft never sent in any personal identification I was told. I would not have access to any statements if this is where my statements would be sent.The total amount taken is {$36000.00}. This law should exclude myself from any unauthorized transaction which I wouldn't report in time this frame. I been asked to summit a second unauthorized transactions request for reimbursement. The first request did not contain the documentation of the police report and knowledge of where the card was sent. I had an instant fraud alert which should allow me to re-submit my request to the Relia Card which is associated with US Bank.

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 2022-01-11 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-01-11 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I contacted the mortgage company Seterus by the number listed by the credit agencies and there was no response by phone, so I sent a certified letter to the address provided .Seterus, inc. , XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX NC XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Received a letter from my Insurance company stating that my homeowners insurance was canceled due to nonpayment. It is the mortgage companys responsibility to make this payment in a timely manner. When I called them they transferred me to their insurance division who refused to make the payment for XXXX hours claiming they had to mail a check and could not make a payment from my escrow account over the phone. This means that I will have gone without homeowners insurance for 10 days. This is absolutely unacceptable not only did they fail to make a payment but then refused to make one immediately. Which could be easily done over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FL

Complaint narrative:
I had a car loan from XXXX XXXX from XXXX of XXXX I paid the loan off in XX/XX/XXXX. 2 years ago I informed Equifax via complaint that it was over XXXX XXXX XXXX and needed to be dropped from my credit report just like it was dropped on XXXX after 10 years Equifax stated to me that it's correct and put a date that is still good of XX/XX/XXXX which is incorrect because it was already paid for 10 years with a XXXX balance it's now 12 years and it's still on my Equifax report I tried to file another complaint but they would not allow me to I called them they were useless and did nothing to help can you please help me correct this thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit acceptance used deceptive forms and means to make a profit of of my identity, in exhibit labeled 1 CA violated laws:15 US 1605 ( a ) ( 1 ) ( d ) ( e ) ( f ), charging 102 % overstated fees, 15 US 1692e at 23 % apr well over alabama 6-8 % interest rate, providing a loan with that amt is usurious as defined my law, exhibit 2 shows violations:15 US 1692e, 1605 ( a [ 1-5 ] ) ( d ) ( e ) ( f ), 1692e ( 2 ), positive balance, overstated fees, separate fees. 15 us 1605 states The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services providedg and does not retain the charges, I dont retain any charges, finance charge should not contain Interest, time price differential, and any amount payable under a point, discount, or any charges.Credit acceptance guilty of using HIDDEN FINANCE CHARGES, charging horrendous fees to borrower due to inaccurate credit reporting by bureaus, borrowers there were charged the maximum legal interest rate ; credit acceptance never informed me in the initial communication that they were in fact a debt collector/a debt as required by law, used my social security to collect a profit whether or not i was approved for insurance, i applied for credit not insurance, credit acceptance provided invalid information to bureaus causing harm to credit score, this is unlawful, truth is sovereign, understand how the UCC operates in order to have the upper hand in our dealings with the IRS. The essential elements of the Commercial Law are good, being based upon : Good faith action. 
Clean hands doctrine. 
Fair business practices. 
Full disclosure. 
Duty of care. 
Just compensation. 
Equal protection of the law. 
Mercy. 
Grace. 

Which Credit acceptance lacks Revoking all rights, as original creditor, owner, power of attorney, consumer The have been disputing with XXXX, XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I was scammed Saturday XX/XX/XXXX. I bank with usaa and and I realized what was going on I immediately hung up the phone and called USAA. The representative was very helpful we went through my entire account changed all my security settings and everything everything was fine then all of a sudden my account was frozen on Sunday I have spoken to these people all day everyday and I can not get in touch with a higher authority and they're telling me they're closing my accounts I'm freezing my money for 60 days. I've feverishly tried to find out how to send in all the documents proving how this happened and they just don't care. All of mine and my husband 's deposits go in these accounts. I can't pay any bills or even get gas money. I don't understand why the ceo or vice president will not respond. I can not even speak to whomever is supposedly investigating the account. I can't even get an email address to send these documents to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: LEXISNEXIS
State: FL

Complaint narrative:
I CONSUMER, XXXX am submitting a complaint against company XXXX XXXX for violation of federally protected law codes 15 USC 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On the XXXX of XX/XX/2021 I wrote a letter to the company in regards to those violation in an Affidavit of Truth, the USPS tracking showed that the Affidavit of Truth was received by the company on the XXXX of XXXX in the morning. The company has not responded and now it has been over 40 days since they received the letter. The company in violation of the two listed codes and I intend to file suit in federal court if this does not get settled as soon as possible. The company did not have a permissible purpose nor did they have my written instruction. This company 's action is causing damages to my character, as a consumer I will be seeking maximum allowed remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our Mortgage was with XXXX and transferred over to Mr. Cooper in XXXX of 2021. 
This issue started with XXXX Mortgage company ( who we previously filed a complaint with CFPB ) and has transferred over to Mr. Cooper. 
Mr Cooper is reporting to the credit bureau that I have 4 late payments which is incorrect. My wife has spent countless hours and months trying to fix the issue that was initiated with XXXX Mortgage company, they showed our payments being made but that the funds were sitting in a " Suspense account ''. and my wife was informed by XXXX Mortgage that they issue will be fixed and resolved by XX/XX/2021. Now we are dealing with Mr. Cooper who has reported my mortgage with 4 lates and we are paying back payments which is incorrect. 

We spoke with XXXX XXXX in Mr. Coopers Escalations team but he has not responded to us. We received a notice in the mail on our case and were informed that XXXX XXXX is our dedicated contact person and then received another notification that XXXX XXXX will be our contact person at Mr. Cooper. We have tried to reach out to all 3 parties via phone and email with Mr. Cooper and provided them proof of our mortgage payments with a thorough explanation of the history and of events and we still have not heard back from anyone. In the meantime, my credit has been impacted significantly and I was unable to refinance my mortgage to get a lower rate and payment. I am asking for your helps with this devastating issue to get resolved. Mr. Cooper is showing me behind in payments in the amount of {$5800.00} and that is not correct, those funds were the funds that were sitting in " Suspense Account '' with XXXX Mortgage. 
I have provided all the documentation that Mr.Cooper has requested which is including the attachments below ( there may be duplicates attachments ) in addition to an explanation on what had happened and still I have gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I mailed my mortgage check XX/XX/XXXX. When not processed, I called every few days to see about next steps and avoid a late fee. I was told that after XX/XX/XXXX there would be a late fee. I called XX/XX/XXXX and they said my check had not been received. I made one online payment of {$1600.00}. On XX/XX/XXXX my bank account had the check received on XX/XX/XXXX and my debit as well as an unauthorized and extra charge to my bank via online for {$1600.00}. I called and SPS XXXX said that I could request my check be refunded. It may take 7-10 business days. I have called daily since XX/XX/XXXX. I have escalated to three managers. I have been told to call my bank and dispute charges, to keep waiting, that their processing is behind, that there is nothing they can do. 
I now have not been able to pay my own bills including my business 's rent. It is now XX/XX/XXXX and it is still not in my account. I log in and there is no way to see any amounts paid in the past. It is not shown, must be requested to be mailed. I also only received one email for my one online payment and it did not list the amount charged. I feel this company is using predatory measures to receive payment, late charges, etc. by holding checks, and making unauthorized debits despite consumers stating One Time on the website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: PA

Complaint narrative:
I recently pulled my Equifax Credit report and has been going back in forth with them disputing fraudulent accounts that they are reporting. The following accounts do not belong to me ; XXXX XXXX XXXX XXXX ( fraudulent charge off account ) XXXX XXXX XXXX XXXX ( fraudulent collections account ) XXXX XXXX XXXX XXXXXXXX ( fraudulent credit card ) I have never done business with the creditors or originators of these debts. I have supplied Equifax and these creditors with supporting information and still to date I have not received any mail or phone correspondences. 

I have asked Equifax numerous times to provide me with the proof they have to verifies these debts belonging to me, and they have failed to do so ...... 

Also Equifax has my name spelled wrong on my credit report so how did they even verify these debts belong to me .... please see all uploads

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
SLS Mortgage, after 15 years of payments, juxtaposed ( front to back ) request for extended forbearance ( REQUESTED PRIOR ) with request for loan modification AFTER LOAN MODIFICATION WAS APPROVED AND SLS ACCEPTED FIRST OF THREE PAYMENTS AFTER MORTGAGEE ACCEPTED MODIFICATION ( mortgagee was sent paperwork verification of proposal of modification ). After receipt of loan modification proposal, mortgagee sent FIRST PAYMENT ACCORDING TO PROPOSED DEADLINE. 
SLS counters by FRAUDULENTLY CITING LOAN MODIFICATION REQUESTED PRIOR TO REQUESTED EXTENSION OF FORBEARANCE. 

SLS MORTGAGE STATES BOTH EXTENSION OF FORBEARANCE AND MORTGAGE LOAN MODIFICATION DENIED. 
We possess sufficient documentation to the contrary, SENT BY SLS This doesn't even make sense ; SLS up to old TRICKS AGAIN?! 


XXXX XXXX : XXXX. 

MORTGAGE HOLDER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) listed as property tax payer ( tax payer credit hijacked by SLS MORTGAGE ; Instiuted subsequented in prior loan modification XXXX ( Assumption is, that it gives greater legal foundation to SLS should foreclosure be sought ) Note : XXXX XXXX 100 % XXXXXXXX XXXX XXXX 4x week, 100 % XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX 

Date of foreclosure initiative : XX/XX/XXXX Cited, by SLS representative, XXXX, on XX/XX/XXXX when mortgagee attempted to make SECOND PAYMENT ON APPROVED LOAN MODIFICATION, SLS REPRESENTATIVE STATED THAT NO SUCH MODIFICATION HAD BEEN IN PLACE AND THAT IT WAS DENIED AND FRAUDULENTLY STATES IT WAS AFTER LOAN MODIFICATION WAS DENIED THAT FORBEARANCE WAS REQUESTED, WHICH ALSO WAS DENIED. 

In truth : FORBEARANCE WAS REQUESTED PRIOR TO REQUESTED LOAN MODIFICATION REPRESENTATIVE failed to cite dates of forbearance request. 

NOTE : ALL DOCUMENTS REQUESTED BY EMAIL NEVER SENT ALL DOCUMENTS REQUIRED BY MAIL, NEVER RECEIVED. 

Amount of demand : Between $ XXXX Note : REPRESENTATIVE XXXX STATES IF TOTAL AMOUNT IS PAID by XX/XX/XXXX, XXXX NO MORE PROBLEMS! 

SLS REPRESENTATIVE XXXX advised PAYMENT and received, {$500.00}, as XXXX was MORTGAGE payment when forbearance began in XX/XX/XXXX. Hinting it MIGHT prevent foreclosure, because of the overage of {$2.00} but she couldn't commit to anything. Stating that the overage would be applied to past due amounts. 

Call me skeptical, I don't believe it. 

Mortgagee in XXXX related INTENSIVE CARE soon thereafter, XX/XX/XXXX, already ill when forbearance was approved through AUTOMATED SYSTEM. 

SLS MAY JUST HAVE NOT UPDATED SUBSEQUENT FORBEARANCE POLICY AND THIS IS A GLITCH. 
XXXX XXXX DOCUMENTS TO FOLLOW XXXX HOME NUMBER -- Sent from XXXX for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NJ

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation