vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Sates Attorney XXXX XXXX suggested I contact you. I have no idea if you can help us but I certainly hope you can. 

My Mom, XXXX XXXX, is XXXX XXXX XXXX and she has a mortgage. Since the inception of her mortgage she has continually paid her own property taxes and house insurance separate from her mortgage. About XXXX  years ago ( although I just recently found out about this ), Around XXXX of 2019, Mr Cooper bought my Mothers mortgage and we began paying them. She has an approx.. {$84000.00} mortgage at 2.65 %. She has always paid her own property taxes and house insurance separately. 

She has never missed any payments. 

Somehow Mr Cooper is stating they paid her property taxes and house insurance, even though she did all along, and that she owes them approximately {$11000.00} in penalties and fees. I contacted them and they are adamant about these fees even though every month her actual mortgage payment was around {$700.00} she paid them {$820.00} a month. 

This seem very predatory to me. She can not afford an attorney and we desperately need your help. Her property taxes around $ XXXX, Her house insurance is $ XXXX and Mr Cooper is telling me she needs {$9600.00} in equity. This is just wrong on multiple levels. 


Her address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX PIN : XXXX The mortgage company is : Mr. Cooper XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tx XXXX Phone : XXXX Account Number : XXXX It seems they are trying to take her house and we really need your assistance. 


We ( Mr Cooper and I ) have been going back and forth on this and they sent me ( for my Mom a letter, PDF attached.. 

For XXXX  years. Mr Cooper did not claim her Senior Citizens discount so theyh overpaid her taxes by ~ {$4000.00} which I feel Mr Cooper owes my Mom. Please let me know if you can help. 

Thank You for Your Time XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
I and my sister have been receiving emails and text messages from multiple banks stating my credit card application has been approved. I have spoken to one bank and have more to call but worried my info was used to open more accounts that I dont know about. Per the email and text messages I received someone applied for a credit card in my name. This was not 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 explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

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 2022-06-24 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: CA

Complaint narrative:
I have recently found out I have been a victim of identity theft and someone used my information to open a couple of lines of credit with credit grantors without me knowing. I don't know how the thief got ahold of my personal information but i am certain I have not opened these nor has someone authorized by me to one accounts. The following accounts are below. 
XXXX Opened XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: M&T BANK CORPORATION
State: TX

Complaint narrative:
My credit report shows a 30 days late payment for my M & T Bank mortgage in XX/XX/2021. I made my payment on XX/XX/2021. I was NOT 30 days late. M & T has refused to remove the mark from my credit report stating that they report a month behind. This is not OK. I was not 30 days late making my XX/XX/2021 payment, and my credit report should not say that I was. I attempted to dispute this reporting with all 3 major credit bureaus and was informed that even though I provided the statement showing that I was not 30 days late, they do not actually have an internal team that does investigations. They simply forward it to the company and use the company 's response to the dispute. So since it is the practice of M & T Bank to report a month behind, I have a mark on my credit reports showing that I was 30 days late making my payment for XX/XX/2021 and I was not. This is affecting my ability to get a new mortgage.

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 2022-06-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education Account # 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 a account without my written instructions.

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 2022-06-24 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, U S Dept of Education Account # 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 a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: OH

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established 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 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Afterpay US Services, LLC
State: MO

Complaint narrative:
I ordered shirts from a XXXX XXXX ( XXXX ), that is located in XXXX, and elected to make payments using a third party payment program, called " afterpay ''. I received my first order of shirts in about three weeks. I tried one on, and it didn't fit. Since all of the shirts were Hawaiin style shirts, I didn't need to try every shirt on. I packaged the shirt in it's original package, and contacted XXXX and afterpay for a return authorization number for all of the shirts. XXXX contacted me back via email, and stated that they would give me 35 % off of my next order, if I keep the shirts. I emailed back, that I am not keeping shirts that do not fit. They emailed back, that if I return the shirts, that they might get lost or stolen. I emailed back, asking, " how would they get lost or stolen with tracking numbers and signature confirmation? '' No answer to that question, but they sent me a return authorization number, and where to send the items to, and it wasn't back to XXXX. It was some address in California. After spending {$38.00} out of pocket, to send their junk back, with tracking numbers and signature confirmation of return, I contacted " afterpay '' by email of the situation, and received the same XXXX responses from them as well. I told them that the items were returned with tracking numbers, and signature confirmation of return, and that I am not making anymore payments. I also stated that I want my money back from the previous payments. They emailed me stating that I still need to continue to make payments until they get confirmation from XXXX. I emailed stating that I am not making anymore payments, and that I'm filing a dispute with my credit card company, which I did, and received part of my money back. They emailed back asking me to send pictures of the returned items, showing the tracking numbers. As I stated earlier, everything was still in the original packaging, so not much to see, except the packaging with the postal information on the outside. XXXX asked for pictures too, showing the packages with return address and tracking numbers. I just recevied an email from a debt collector ( XXXX XXXX  ) trying to collect for " afterpay and XXXX, on merchandise that I returned on XX/XX/2022. Now after being harassed by three different companies, I want the money ( {$38.00} ) back that I paid out of pocket, to return the items. Everything that I have stated in this post, is documented in black and white with all three companies, via emails.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/22 I wire transferred {$500.00} from 5/3 bank in XXXX, IL to XXXX XXXX. 
The money was never received by the third party and my bank is just fobbing me off. 
The money was never received by the recipient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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:
Identity theft. Please see attached.

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 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FinCo Services Inc DBA Current
State: CA

Complaint narrative:
Today, in the mail, I got another fraudulent card opened in my name. I've tried contacting the company to have the card marked as fraudulent and have it cancelled with no results. The card company only has a recording and voice mail. This is a debit card issued by a company called Current. They have no email or contact information other than the phone number on the card. How do I get this card cancelled? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with XXXX They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, 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 2022-06-24 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: CA

Complaint narrative:
The problem is regarding to my credit score. on XX/XX/2022 my credit score was XXXX and on XX/XX/2022 my score decrease by XXXX points to XXXX there is no change on report, 0 % debt on my credit cards, no delinquency, only 1 inquiry in last 2 years and everything else is in a good standing. I talked with XXXX They have no answer for me and they can not solve my problem and I even spoke with FICO they can not do anything either. Please help me to solve this matter. 
This is my official statement for file a complaint against credit bureau, in this case, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: MO

Complaint narrative:
The account # XXXX was converted back to a XXXX  XXXX and as a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint because Credit Acceptance Corp failed to comply with my XXXX XXXX Compliant Record Request for my personal examination to validate and verify. privy of contract. 
I submitted a letter on XX/XX/XXXX to Credit Acceptance Corp requesting that the original copy or certified copy of the original agreement/contract bearing my wet ink signature for account XXXX with CREDIT ACCEPTANCE CORPORATION XXXX Which is being reported as an alleged repossession on my consumer report by their XXXX XXXX XXXX. 
They are reporting ( inaccurate, incomplete, and/or inaccurate and incomplete ) information in consumer reports concerning me that they have compiled and published to third parties and consumer reporting agencies. The ( inaccurate, incomplete, and/or inaccurate and incomplete ) information that they are reporting is harming me personally, emotionally, and financially, and causing me damage. I look forward to your response to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
Experian is in violation pursuant to 1681c-2. On XX/XX/2022 I sent Experian a copy of my FTC report, a letter with all fraudulent items listed, a copy of my ID, and a copy of my statement. It has been over 4 business days since Experian has received my documents. I have not received any response and the items still remain. It has been over 30 days. I have attached the following items in this Complaint. Please view attachments.

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 2022-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have never had a late payment in my student loan for over 10 years and the XXXX company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for XXXX to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank 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 non-monetary relief
Consumer complaint received 2022-06-24 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: FL

Complaint narrative:
I have never had a late payment in my student loan for over 10 years and the XXXX company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for XXXX to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have never had a late payment in my student loan for over 10 years and the XXXX company never notify me of the late payments that they were reporting on my credit report during the pandemic I was never aware of any problems with this account until they notify me that the account was going to be charged off when I did not pay. But I immediately paid it when I realize that they were putting late fees and late payments on my credit history. 

First of all, is not fair that I was not notify of this problem and that they went along with it for over 8 months. 

Secondly this late payments are inaccurate because I did make my payments in XXXX on time. something that I do not understand is, why would they report a late payment when it did not happen. 

I have already notify the company of this problem but they refuse to correct their mistake the late payments are inaccurate. I am asking for XXXX to send proof that I was in fact late in the accounts and that all the information is correct and verifiable. 

All this happen between XX/XX/XXXX to XX/XX/XXXX The fair credit reporting act establish that all accounts reported in a credit report have to be 100 % accurate and verifiable if the account is not accurate or verifiable the account needs to be removed. 

Thank 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