vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
THIS IS THE 4 TH LETTER I RECEIVED FROM MR COOPER DATED XX/XX/2023, STATING MY APPLICATION FOR TRIAL MODIFICATION DEEMED COMPLETE ON XX/XX/2023. I WAS TOLD 3 TIMES OVER THE PHONE NOTHING ELSE IS NEEDED AND FINAL ANSWER TO MODIFY MY ACCOUNT WILL BE BY XX/XX/2023. OVER 7 MONTHS OF PROVIDING PROFIT & LOSS, BANK STATEMENTS OF {$22000.00} PER MONTH RENTAL INCOME 3 TIMES, 5 MORTGAGE STATEMENTS WITH LETTER OF EXPLANATION THAT I AM A SMALL LANDLORD WITH NO PAY STUBS OR INCOME TAX RETURNS TO PROVIDE. 

DURING XXXX XXXX  NATIONAL DISASTER FOR ABOUT 2 YEARS NO TENANTS PAID RENT AND I COULD NOT EVICT ANYONE FROM MY UNITS. MR COOPER IS INTENTIONALLY PUTTING ME AND MY FAMILY IN HARMS WAY TO FORECLOSE MY PROPERTY EVEN THOUGH I AM IN A BETTER POSITION NEEDING THEM TO HELP ME SAVE MY HOME SINCE I PROVIDED FULL PROOF TO THEM SEVERAL TIMES AND I WIRED THEM {$6500.00} TO PAY OFF MY ESCROW STILL, MY ACCOUNT KEEP CHANGING HANDS ALWAYS A DIFFERENT PERSON EACH TIME REQUESTING DOCUMENTS I ALREADY PROVIDED MAKING MY SITUATION A NIGHTMARE. PLEASE HELP ME. 
REGARDS, XXXX XXXX XXXX XXXX XXXX VETERAN WITH HONORS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I tried to deposit a cashiers check in my account at citizens bank and they said it would take 5 days to clear. I did this on XX/XX/XXXX. It is XX/XX/XXXX now and I called to see if the check cleared they said it was estemated XX/XX/XXXX  to clear. They are haveing a problem with their system so its saying it was already cashed when it was not. They are doing nothing to fix the problem and will not give me my money. Even though the bank the check was from says it was cashed at citizens bank they are making no progress towards verifying that. I cant get my money which is {$7500.00} and it is really affecting me please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
On XX/XX/2023, I wrote to Amerifinancial Solutions, regarding some collections they had included on my credit report. I'm writing you this letter to inform you that I instructed the debt collectors to return the debt to the original creditor ( XXXX XXXX XXXX ) who sold it to them. It is unlawful but not enforceable for a collection agency to purchase debt from another business and then pursue the debtor as if they had entered into a contract with the agency. I am aware that there is no documentation at this collecting agency that would indicate I signed any agreements with them. I warned them that I would file a complaint with the CFPB, XXXX, FTC, and Attorney General if their collection firm did not return this amount to the original creditor. In addition, I will free legal representation for my lawsuit against your business for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2023 We received a package we did not order from a company we never heard of. We called the merchant and they sent us a return label and we returned the package the same day we received it. Our credit card was charged {$2900.00} for the item, but never credited for the return. We tried several times to resolve this with both the merchant and the credit card company. The merchant acknowledges the return of the item and that this was a fraudulent purchase. However, they indicated that we need to work through the credit card company to resolve this. The credit card company twice opened cases to review this activity. The first time they indicated they could not issue a credit since the merchant 's records indicate that we did in fact receive the product. I called again and explained that we never claimed that we didn't receive the product - our complaint was that we never ordered the product and we had immediately returned it. They re-opened the case and later closed it claiming that I didn't provide all the information they requested, but they never said what I failed to provide. On XX/XX/2023 I called both the merchant and the credit card company again. The merchant again told me this had to be resolved through the credit card company. The credit card company told me they would reopen the case again but I have received no further correspondence form them and the charge remains on our balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I initiated a transaction worth {$20000.00} from my Axos Bank 's managed portfolio ( build wealth ) to my bank account. This bank account has always been linked to my Axos bank account & has been used to fund it in the past. 
The transaction showed as successful & indicated 5-7 business days to complete. Even after XX/XX/XXXX, the amount wasn't transferred & the transaction disappeared from the list. I also started a support ticket to which there was no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: PA

Complaint narrative:
Requests sent on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX to complete full investigations on all accounts & if they could not complete to delete the accounts from the credit report. To date all accounts are still reporting as a full investigation was not completed.

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 2023-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
My identity was found in four different data breaches I'm assuming this is one of the many attempts and successful ones at that to steal my identity to open up loan accounts or payday loans. Please remove this debt off my record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the inquiries listed. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissionss Identity Theft Affidavit. Please delete the items as soon as possible. 


EQUIFAX FRAUDULENT ADDRESSES TO BE DELETED FROM REPORT XXXX XXXX XXXX XXXXXXXX XXXXXXXX, MO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO. XXXX EQUIFAX FRAUDULENT ACCOUNTS TO BE DELETED FROM REPORT XXXX XXXX  XXXX OPENED XXXX {$1100.00} EQUIFAX FRAUDULENT COLLECTIONS TO BE DELETED FROM REPORT XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX  {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Credit Bureau Services of Iowa Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, CREDIT BUREAU SERVICES 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. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX XXXX. I have disputed this several times in attempt to correct the inaccurate information that is being report, however CREDIT BUREAU SERVICES has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: PA

Complaint narrative:
I have fraudulent accounts appearing on my credit report. 

1. XXXX XXXX {$1300.00} 2. XXXXXXXX XXXX {$4000.00} 3. XXXX XXXX {$1900.00} 4. XXXXXXXX XXXX {$1000.00}

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 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I was scammed by someone messaging me about interest in an item I listed for Sale on XXXX XXXX. The individual made me believe I had to open a " Business Account '' on Zelle in order for them to pay me for the item. They sent me fake transactions on their end and fake email messages pretending to be from Zelle. I was asked by the fake " Zelle '' that I needed to send a refund of {$200.00} to the buyer and then our original transaction and my " Business Account '' would be complete. 

I sent {$200.00} via my Zelle account to XXXX on XX/XX/2023, around XXXXXXXX XXXX. 

I then received another email from the fake Zelle account that I now needed to send another {$400.00} and there were a ton of typos in this final email. This is when I blocked the user on XXXX XXXX XXXX and reported the scam and fraudulent transaction immediately to XXXX XXXX, Zelle, and the FBI. 

XXXX XXXX said they would try to refund me the {$200.00} in question but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: MS

Complaint narrative:
So recently checked my reports with all three bureruas and notice that these companies are not reporting accurate information. I have proof that they are reporting these accounts inaccurratly. This goes against the FCRA and is not accurate neither is it my account. I sent out a letter XXXX the XXXX and have not heard back from either company .From my understanding they have a month to respond. I would like this remove immediately.

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 2023-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Ocwen Financial Corporation
State: WI

Complaint narrative:
I have an ongoing problem with our mortgage company XXXX ( XXXX XXXX which has been going on since XXXX. I had filed a XXXX XXXX in XXXX of XXXX which ended in XXXX XXXX. At the end of my XXXX XXXX XXXX / XXXX had merged and informed my attorney I needed to pay them another XXXX. Or my XXXX XXXX would not be closed. I had taken money from my tsp and paid the amount they stated I needed to pay to finalize my XXXX XXXX. 
Since my XXXX XXXXXXXX has ended they have reported to the credit reporting agencies that I have been late/ behind on my mortgage with them for the past 4 years. 
They had applied my monies to my escrow account instead of mtg. I have called them numerous times about this over these years trying to get this resolved with no success. I send my payment every month certified so I know when they receive my payment and they are not late. They have falsely reported this to the the credit agencies therefore affecting my credit. I have an ARM mtg which they have now moved up to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2023-04-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I already made a complaint to CFPB about this request on XXXX ... XXXX but CFPB closed because CFPB does not pay attention to details. 

I am unable to obtain a reply from Capital One regarding status of overdue refunds associated with my Capital Credit Card and with Capital One 's Affiliate Program Capital One Travel. Total refund amount being sought is {$620.00} comprised of the following : XXXX {$250.00} Capital One Credit Card XXXX purchased on XX/XX/XXXX  / Vendor : XXXX XXXX XXXX XXXX confirmed 100 % refund on XX/XX/XXXX  via email of {$250.00} but Capital has not yet credited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: VA

Complaint narrative:
I am writing to request that you remove the following inquiries from my credit report : XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error. 

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back. 

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to request that you remove the following inquiries from my credit report : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX I recently checked my credit report and noticed that these inquiries were made without my knowledge or consent. I have no relationship with the companies who made these inquiries, and I believe that they were made in error.

These inquiries are negatively impacting my credit score and making it difficult for me to obtain loans or credit cards with reasonable interest rates. I take my credit score seriously and have been working hard to improve it, but these inquiries are holding me back.

I understand that credit inquiries are a normal part of the credit application process, but in this case, they were made without my permission. Therefore, I request that they be removed from my credit report. 

I hope that we can come to a resolution that will help to rectify this situation. Please let me know if you require any additional information or documentation from me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I setup a venmo account to use to deposit into my XXXX account on XX/XX/2023. A few days later after winning money on XXXX, I had requested to get my winnings through venmo. I went to redeposit on another sportsbook with those winnings and then all of a sudden my account was locked. They said for verification purposes please submit your ID etc. I did that and then they said after further review they are closing my account and they are going to hold my funds for up to 180 days for charge back reasons. I have {$8500.00} in that account that they are going to hold for over 6 months. I dont care about the account at all I just want my money which belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
My identity was found in four different data breaches I'm assuming this is one of the many attempts and successful ones at that to steal my identity to open up loan accounts or payday loans. Please remove this debt off my record

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: Kriya Capital, LLC
State: DE

Complaint narrative:
Today XXXX I received an email from one of credit card companies stating that I received a negative credit score. Upon investigation I found that XXXX sent my info to collections with credence resource management for {$880.00}. I never had XXXX and this is a result of identity theft. I tried calling Credence and they said the last digit of my SS number was wrong and they arent able to provide me with any information. This is the third time credence has gone above and beyond to affect my credit report. In XXXX, I believe the XXXX, I had to file identity theft when credence dealing with att filed a debt collection on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03 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 is reporting an account that should not be reporting on my credit report. The account is XXXX XXXX. The account was sold to another lender which was already reporting on my credit report. I am requesting that the account be removed due to double jeopardy and the fact that the information is inconsistent between all 3 bureaus when all data furnished should be the same. Delete this account from my credit report immediately. I will attach the credit report showing the different payment history being reported. The account is highlighted.

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