vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I have contacted ; SECURITY CREDIT SERVICES- ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NJ

Complaint narrative:
I have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

TransUnion/XXXX report the account as Closed ; XXXX reports it as Open TransUnion reports a different balance than XXXX  All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.

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 2022-11-17 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: NJ

Complaint narrative:
I have been trying for months to resolve this XXXX account and to no avail. This is not my account and it continues to report incorrectly in addition. 

XXXX/Experian report the account as Closed ; XXXX reports it as Open XXXX reports a different balance than Experian/XXXX  All three bureaus report different terms each. 
All three bureaus report different payment statuses. 
All three bureaus report different dates of last activity. 
All three bureaus report very different payment histories.

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 2022-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022 I used a service called XXXX through my banking institution Capital One. I sent money to my business partner who I know. The amount was {$2500.00}. The money was supposed to be delivered within 3-5 business days. As of today, XX/XX/XXXX, it has not been delivered. I filed a claim with Capital One but it was closed and denied 2 business days later. 
I called Capital One for more thorough investigation but they would not help. They sent me to XXXX. I contacted XXXX but they dont provide any support if I didnt use them directly. I used XXXX as a service with my bank. 
I have a confirmation code of sending the money which is XXXX. 
Ironically I sent the same money to the same person 6 days earlier and that was delivered. 
There is a known XXXX fraud when people send money to people they dont know. But I do know the person I sent the money to. 
The money is missing. {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I closed on a house and one of the requirements was to payoff an American Express balance. The financing bank could only payoff the most recent statement, which did not reflect my most recent {$400.00} payment. I knew this would result in a {$400.00} credit balance and I planned to contact American Express for a refund to my payment account on file once the payment posted. 

I am in the middle of a move, so many things are already packed away - including this particular credit card as it's simply a backup card. 

Once the payment posted, I attempted to use the website to request a credit balance refund. I entered {$400.00} but it gave me an error indicating I needed to enter an amount equal to or greater than {$0.00}, so apparently the website is broken for users wishing to request a credit balance refund. 

I instead attempted to use their chat support. I was logged into my account and verified my mothers maiden name as requested. They then asked me to verify the 3 digit security code on the back of the card. As I am in the middle of a move, the card is packed away. I would have to unload and unpack several boxes to find it. I explained this and asked if there was any other method of verification I could do and they said no. They directed me to a supervisor who said the same. 

Their only suggestion was to mail a check - as I am in the middle of a move and I do not know how long that would take, I don't know what address I would even use - my old address where I won't be soon? My new address I won't be at for two months? A temporary address? And how is that the more secure option when the check could easily be lost, stolen, or delivered to an address I'm no longer associated with? 

I asked for a refund of my most recent {$400.00} to the payment account it was made from, and they told me I'd still have to provide the same 3 digit code.

Basically- American Express wants to sit on my {$400.00} because they have no method of verifying their customers unless that customer has a silly 3 digit code rather than find another way to verify me and safely and securely return a payment to the payment account that has been on file for years. Instead, they'd rather drop a check in the mail to an address I won't be associated with in a week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
I have no knowledge of the following inquiries on my reaccredit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
I have no knowledge of the following inquiries on my reaccredit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX states I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: NC

Complaint narrative:
I called all 3 credit bureaus. No one one would help me with my issue removing these items all of the items list are fraudulent and should be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-17 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:
Always pay on time. Falsey reporting late payments on my credit report. See the 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 non-monetary relief
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
To whomever it may concern, Experian was notified that XXXX XXXX made a mistake in reporting on my XXXX XXXX. They also made errors reporting to student aid.gov. They were sent email correspondence with the student account department at XXXX, admitting to this in writing and suggesting that I make a report to address it more quickly. 

Experian has not removed the fraudulent late payment, contrary to fair credit reporting guidelines. Moreover, the loan qualified for forbearance and is in the process of being consolidated. XXXX has informed me that they reported this as an error to be removed, so it is an abomination that Experian has failed to remove it. 

I have attached my communications with XXXX regarding this manner, as well as Experian 's inaccurate reporting.

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 2022-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
This is regarding a XXXX XXXX Rewards Visa issued by Comenity Bank. The last week of XXXX my card started being declined. I do not have any past due. with {$3000.00} in credit. I have called customer service many times and nobody ever answers. They hang up after 25 mins. Luckily I was able to pay my bill online. The phone number XXXX. This is only number for everything, including fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consolidated Recovery Group, LLC
State: VA

Complaint narrative:
XX/XX/2022 - Received letter to collect Debt of {$41000.00} from Consolidated Recovery Group , LLC ( Letter attached below ) XX/XX/2022 - Called and spoke to XXXX XXXX XXXX who supposedly the Debt was being collected for. They confirmed that no Debt was owed and account is in good standing and this is more likely to be a Fraudulent Letter. 

XX/XX/2022 - Called and spoke to a XXXX XXXX XXXX ( XXXX ) at Consolidated Recovery Group , LLC and requested that they provide the " Assignment of Debt '' contract for us to review. She had no such contract and simply said that they ( this company ) works for XXXX and that payment was owed and she had my last four digits of my Social Security Number. 

After reviewing this company on XXXX ; it seems that they are fraudulent sending collection notices to folks like me. They are commiting fraud as no such debt is owed. She mentioned that this was some sort of Charge-back that XXXX did and that we had received this payment of {$41000.00} and we never paid XXXX back XXXX That is not true at all. We do not have charges of over {$500.00} at most and there are no issues with charge-backs. This company is just commuting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CNG HOLDINGS INC
State: TX

Complaint narrative:
I have contacted ; XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
This complaint is being submitted by XXXX XXXX XXXX XXXX XXXX of XXXX, NH. We handled the sale of a home in XXXX. XXXX, Maine. We received a payoff statement from Mr. Cooper for {$84000.00} which was good through XX/XX/22. We wired them this exact amount of funds on XX/XX/22 but were advised that the payoff was short by {$3000.00}. We had already disbursed the seller 's funds and had no way to pay this additional amount. There doesn't appear to be a reason they were asking for it since we paid the amount on the payoff statement. They refused to provide any information to us. We were unable to contact the seller despite repeated attempts. They sent the money back to us on XX/XX/22 and we had to pay the additional funds from our operating account in order to settle the account and get the mortgage released. This is extortion and should not be allowed to happen. We relied on their payoff statement and paid the amount in full within the timeframe given. I request that they refund our office the {$3000.00} that was sent above-and beyond the payoff amount that was provided for our closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My wife and I applied for a XXXX XXXX XXXX with New Rez on or around XX/XX/2022. We promptly submitted all documents and paid the appraisal and credit score fee. After multiple delays and the need to restructure the loan several times on New Rez 's end we were offered a closing amount of approx {$37000.00} to get the loan approved with our debt to income ratio. This was about {$60000.00} LESS than what we were initially approved for.

We accepted the amount and were cleared to close by New Rez. The morning of closing, the notary did not show up. Neither our processor or anyone involved at New Rez answered our calls. We had made schedule adjustments with work to accommodate the closing.

The loan officer at New Rez ( XXXX XXXX ) called me and explained that the loan was denied at the last minute due to our debt to income being to high, the loan amount, and the fact that our investment property against which the loan was secured was paid off. 


New Rez has fraudulently claimed that our debt to income is too high after we received the clear to close from processor F. D__z on a recorded line and it was reviewed multiple times by underwriting.

This is unacceptable especially given the long history of on-time payments we've maintained with New Rez. I read this as discriminatory against clients who do not offer the most lucrative payoffs New Rez desires.

New Rez has determined that it is not profitable to lend us a mere {$40000.00} for the following reasons : We have paid off the investment property against which the refinance is to be secured in less than a year We are being offered a lower loan amount due to our DTI which will not offer much of a return in interest We have made significant headway in our primary mortgage which is also with New Rez. 
This low loan of XXXX ties up funds in your available capital pipeline Therefore New Rez has determined it is not profitable to lend us a mere XXXX which can be quickly paid off. 

All this while greedily taking appraisal and credit score fees during these difficult economic times and not even having the courtesy to notify us that -- contrary to what we were told -- the closing was not going to happen. 

This is another example of a big company taking advantage of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
I paid for the Lowes credit card. It is the store Lowes credit card. They started the {$150.00} payment did not go through on XX/XX/XXXX. I spent the bill on XX/XX/XXXX when I got my social security, and the bank stated the payment was approved and was paid to Lowes. Lowes is refusing to accept this information from my bank. They closed my account WITHOUT my knowledge. I always make my payment ; I always make more than required. I pay anywhere from XXXX to XXXX every month when prices are only XXXX a month.

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 2022-11-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ready Capital Corporation
State: AL

Complaint narrative:
The company is GMFS mortgage. The problem is in how they apply their mortage payments. I asked to see consumer disclosures where they explain how payments are applied and they do not have forms online. They told me to MAIL a letter to GMFS XXXX XXXX XXXX GA XXXX and they there are no payment disclures they they would just respond to the letter. The problem is if you make payments throughout the month, they put the money into a suspense account. Then wait until you have the full balance to apply the money to the payment. BUT sometimes they take the money and apply it all towards principle. Even though when making the payment they ask if you want it applied towards the payment, principle or escrow. I put the amount in payment, but they applied it towards principle. They state that after XXXX hrs any money in suspense is applied towards principle. Although this is not stated anywhere nor do they have anything that was signed and agreed to for payment terms. This is alarming, becuase this creates late payments and fees. Also this is not in a written disclosure that you can find online or in a signed document. Who knows how many people they have frauded and recived late payments or misapplied funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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:
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 XXXX XXXX XXXX. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, have violated my rights. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) 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. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-17 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: FL

Complaint narrative:
To whomever it may concern, XXXX was notified that XXXX XXXX  made a mistake in reporting on my XXXX XXXX. They also made errors reporting to student aid.gov. They were sent email correspondence with the student account department at XXXX, admitting to this in writing and suggesting that I make a report to address it more quickly. 

XXXX has not removed the fraudulent late payment, contrary to fair credit reporting guidelines. Moreover, the loan qualified for forbearance and is in the process of being consolidated. XXXX has informed me that they reported this as an error to be removed, so it is an abomination that XXXX has failed to remove it. 

I have attached my communications with XXXX regarding this manner, as well as XXXX 's inaccurate reporting.

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 2022-11-17 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: FL

Complaint narrative:
To whomever it may concern, XXXX was notified that XXXX XXXX  made a mistake in reporting on my XXXX XXXX. They also made errors reporting to student aid.gov. They were sent email correspondence with the student account department at XXXX, admitting to this in writing and suggesting that I make a report to address it more quickly. 

XXXX has not removed the fraudulent late payment, contrary to fair credit reporting guidelines. Moreover, the loan qualified for forbearance and is in the process of being consolidated. XXXX has informed me that they reported this as an error to be removed, so it is an abomination that XXXX has failed to remove it. 

I have attached my communications with XXXX regarding this manner, as well as XXXX 's inaccurate reporting.

Company response to consumer: Closed with explanation