vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
1. During Covid Mortgage Servicer XXXX offered me a Forbearance, which I gratefully accepted ; timely filled out requisite forms, executed ( and notarized ) a Promissory Note and XXXX to XXXX on XX/XX/XXXX XXXX. On XX/XX/XXXX a Partial Deed of Trust was electronically recorded on XXXX XXXX XXXX. 

2.Upon expiration of the Forbearance period, XXXX representative contacted me, and encouraged me to apply for a " Loan Modification '' to lower my interest rate and monthly payment, while assuring me the process would NOT adversely affect my Credit Scores, further assuring me there would be zero adverse reporting to the Credit Bureaus XXXX 

3. On of about XX/XX/XXXX Mr. Cooper ( formerly known as Nationstar Mortgage ) acquired the loan servicing, and I was contacted regarding the status of my Mortgage. When I explained I received a Forbearance, AND was in the process of a " Loan Modification '' I was told " not to worry '' that sometimes it took several months for the paperwork to be provided by the previous company. 

4. The VERY FIRST inclination there was a problem was when XXXX sent notification my Credit Score tanked by XXXX points. 

XXXX. Despite providing Cooper supporting documentation, over the last 6 months, Mr. Cooper refuses to resolve the matter " there's nothing we can do, you should contact XXXX, they're the one who dropped the ball ''.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, # XXXX has violated my rights, 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 an account without my written instructions or consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX XXXX, XXXX, Account # XXXX XXXX XXXX XXXX, # XXXX has violated my rights, 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 an account without my written instructions or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: TX

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: MI

Complaint narrative:
Reporting wrongly information I have told them over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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 — Problem with personal statement of dispute
Company: DISCOVER BANK
State: UT

Complaint narrative:
I am disputing a nearly {$300.00} from a fraudulent XXXX delivery order I did not place on my Discover card. I received the items. I can't use the items. Most are for medical use, such as XXXX XXXX XXXX  and are not returnable. I was initially credited, but the decision was reversed in the merchant 's ( XXXX ) favor because they proved I received the items, which I did, but again, I have no use for them whatsoever. In their report, it clearly shows that the order was placed from a Pennsylvania IP address. I am in Utah. XXXX should have much better security to prevent something like this from happening. The order was placed in the early morning so I had no chance of catching it in time. I am extremely disappointed this outcome and response by XXXX. I am disappointed in Discover as well. I am not sure how to proceed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
I do not believe this debt belongs to me. I am not sure where this debt came from. The statement on my credit report says that the original creditor is APP XXXX but that company does not exist. I would like to be sent an itemized copy of this bill as well as the actual name of the company who charged me if in fact it does belong to me. I have disputed this and asked for an itemized bill before, but they sent me an automated message back saying that it was verified, but didn't send me what I asked for. I have looked at my insurance portal and this isn't an amount that matches what they say I owe. The date that the collection came on my credit report is XX/XX/2023. The only thing close to that is a service date of XX/XX/2023, and that wouldn't have even been run through the insurance company, much less been submitted for collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
Mortgage servicer : BSI Financial services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan number XXXX This company keeps sending me threatening letters even after I have provided insurance renewal documents over a month ago. My insurance agent has contacted them and provided required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: LA

Complaint narrative:
I received a bill from a debt collector in regards to {$150.00} owed to XXXX XXXX. 
This is not my debt. I disputed the debt with the debt collector directly on XX/XX/XXXX and opened a dispute with XXXX on XX/XX/XXXX. 

I have not heard back from the debt collector but I spoke with an XXXX representative who told me that all they can do is verify information but if I believed the account was fraudulent to then file a fraud report here. 
I also contacted XXXX directly who has filed a fraud report. I am in touch with their Fraud Prevention Team as well now. 

I have never been an account holder with XXXX and have never received a bill from them directly. XXXX is my current wireless provider and the account I am under currently I have been with since XXXX. That account has no outstanding balance and the latest bill has been paid in full. Again I am not the account holder anyway and have never been. So I believe my information was used to open the account listed on the bill sent to me by the debt collector and is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Equifax with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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: EQUIFAX, INC.
State: MS

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
Avant is intentionally, and maliciously refusing to provide me an online accurate ten day payoff on XX/XX/23. Instead, they informed me I need to schedule a payment. Plus, they intend to mail the payoff, advising me it can take up to fourteen days to receive to payoff letter. Clearly, this company is disingenuous, because I applied on line. Now, they are manipulating the payoff amount. Initially, they say, We are an online company! Now, they can ONLY mail the accurate ten day payoff. Needless to say, their unscrupulous payoff practices allows them to outright lie/STEAL, about the accuracy of the ten day payoff. For example, the ratchet promise to mail the payoff off is useless, by the time I receive it its outdated, more shenanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of the West has been reporting a charged off amount of {$2800.00} since XXXX on a credit card that I opened with them in summer of XXXX. The credit card was a secured card, with a limit of {$500.00}. A rental car company over charged my account for the cost they said my insurance at the time would not cover. The charge was only a small amount so I'm not sure how Bank of the West got {$2800.00} from that. The same company also charged my debit ( checking account ) card for {$1300.00} then enlisted XXXX XXXX to collect on that account. XXXX XXXX then put the account ( checking account ) on all three credit bureaus as a collection account. They then charged interest every month for as long as the account went unpaid. In XX/XX/XXXX, XXXX XXXX XXXX was removed from my credit report but in XX/XX/XXXX, the amount that they could not collect on, along with the interest that that accrued was added to the existing balance of charged off credit card account. I disputed this information with all three credit Bureaus, and not only did it come back verified, but the amount also increased every time from {$1500.00} to {$1700.00} to {$2600.00}. The payment ledger that reported ND for the last five years was edited and updated to reflect CO going all the way back to when the charge-off was first opened. It is currently being reported with late payments as well as a statement claiming " {$2800.00} written off. {$2600.00} past due as of XX/XX/XXXX. '' The account was closed in XXXX. I'm not sure how a closed account can suddenly be charged {$2600.00}. The new company that has taken over for XXXX XXXX XXXX is a company called " XXXX XXXXXXXX XXXX XXXX. '' They sent me a letter on behalf of Bank of the West to collect on the checking account debt in which they stated the amount owed on the checking account is {$1300.00} along with {$700.00} dollars in overdraft fees. In reality they're adding in the interest charges accrued from XXXX XXXX as well as other fees they fabricated. The account was frozen and put under investigation and soon after closed at my request. Therefore, there could not be any overdrafts or other fees. 

To sum it up, Bank of the West is in violation of my consumer rights. Not only are they reporting false information intentionally, but they are also punishing me every time I dispute this information by increasing the debt. I am now in a situation where I have to move due to safety and health concerns and I am unable to do so without paying an extremely high deposit or getting turned down all together.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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: NJ

Complaint narrative:
I found inquiries on my credit report that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX I attempted to close my business checking account with M & T Bank. I emailed the bank my request. Five days later, no one from M & T had bothered to answer my email so I sent the bank a second email stating that, as far as I was concerned, the account was closed. The bank charges a {$50.00} account closure fee, so I withdrew all but {$50.00} from the account. Finally, on XX/XX/XXXX, " XXXX '' replied to my email and informed me that in order to close the account I would have to either write a letter to or visit the branch where I opened the account. Obviously, the bank wants everyone to have to jump through as many hoops as possible in order to close their account, but what she told me was a blatant LIE I read every page of M & T 's Commercial Deposit Account Agreement after I opened the account, and this is what the agreement states regarding closing an account. It is Provision 25 ( d ) of the agreement : " Client must provide Notice to M & T to close an Account. '' That is ALL that it states. On XX/XX/XXXX I replied and notified XXXX that if my account wasn't closed by XXXX I would immediately file formal complaints with the XXXX XXXX Md. Office of Consumer Protection, the CFPB, Md. Attorney General XXXX XXXX XXXX, and the Federal Reserve Board. Early this afternoon, someone from M & T called me and told me that she would have to get permission from the manager at the branch in which I opened the account in order to close it. ANOTHER LIE. Nowhere in the Commercial Deposit Account Agreement does it state that an account can only be closed after receiving approval from a branch manager. I have no idea who manages the branch and have never spoken to him or her. Later today I saw that my account had been closed. I also saw that the bank charged me, and then waived, a {$20.00} " Final Analysis '' charge. I'm glad that it had been waived, because I have M & T 's XX/XX/XXXX Corporate and Institutional Deposit Account Fee Schedule, and nowhere on the schedule is a " Final Analysis Fee '' even listed. 
Even though my account was closed today, I'm still filing my complaints. At best, M & T is making it more difficult for customers to close their accounts than it should be, but I think it may also be egregiously breaking the law. Therefore, even though the OCC doesn't directly regulate M & T Bank, I'm going to send a copy of my complaint to the OCC as well. 
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 2023-07-31 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: IL

Complaint narrative:
Hello, This complaint is in regards to Citi 's refusal to open a dispute on a charge posted by XXXX XXXX XXXX XXXX for {$1600.00}. Attached is Citi 's resolution letter. 

Citi has stated in its resolution letter " After a review of your dispute, we determined that we are unable to assist you because you received the services for which you contracted. Any further attempts to resolve this dispute will need to be directed toward the merchant. We now consider our investigation complete '' Dispute Date : XX/XX/XXXX Transaction Date : XX/XX/XXXX Transaction Amount : {$1600.00} Merchant : XXXX XXXX XXXX XXXX Citi Dispute Case ID : XXXX This charge was for a reservation at Best Western Premier Hotel Royal Santina between XX/XX/XXXX - XX/XX/XXXX. The hotel did not provide services per contract / reservation. 

I have contacted Citi multiple times requesting to reopen this dispute as I believe that they have incorrectly closed it without conducting a full investigation. I called Citi on XX/XX/XXXX and XX/XX/XXXX. During the XX/XX/XXXX call, a disputes resolution XXXX said they will place a request to reopen the case. The case remained closed. On XX/XX/XXXX, another disputes resolution XXXX said the very same thing. The case continues to remain closed to date. I emailed Citi on XX/XX/XXXX and have not received a response. 

I believe that Citi has incorrectly closed the case without conducting a proper investigation. Since they remain unresponsive, I would like to ask CFPB 's help in resolving this matter. 

Thank you 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 2023-07-31 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: NY

Complaint narrative:
I sent a letter to Equifax on XX/XX/23 to remove inaccurate credit information. After 30 days of no response, I followed up with another letter on XX/XX/23, and still no response. I plan to send a third letter this week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I noticed some activities on my report. I already have a fraud alert on file. I called to ask them why is it taking 5 months to complete the inquiry. I was told by the agent that they couldn't help me. After five months of trying to get my report corrected and updated, the agent asked me again after I already told him, the police report was filled, I contacted the original creditors and I was told to call each bureau directly. I did that, and Transunion said and I quote " We can't help you. ''

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