vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I had reached out to Mr Cooper because I am under contract in a property in XXXX, NC. The property has an assumable loan so the seller and I had reached out to Mr Cooper and requested the loan assumption documents. This request was confirmed that it had been recieved by Mr Cooper and they sent out the loan assumption documents on XX/XX/2024. I completed the documents and sent back all the completed documents along with the requested information on XX/XX/2024. I sent everything back via email and sent it via postal mail as well to ensure they would be recieved. The following week I began calling the general Mr Cooper line asking for updates and to confirm reciept. I was informed that within 30 days of requesting the loan assumption documents Mr Cooper was legally committed to assign me a loan mortgage officer then within the next 15 days they had a legal obligation to approve or deny the loan. When I called again on XX/XX/2024 I was informed that all my documents were recieved and they confirmed that it was fully complete with all of the information they had requested. I was told that I would be notified of who my assigned mortgage officer was no later than XX/XX/2024. I called again on XX/XX/2024 and was transferred serveral times and was sent to XXXX who let me know she was the supervisor of the assumable loan department and she let me know that even though they had recieved all my information I wouldn't be assigned a mortgage officer yet becasue there are only XXXX people that work in that department and the deadline had not passed. When I shared that it has been beyond the 30 and 45 day mark that they are legally committed to XXXX denied this and did not have an answer for me. She did give me her direct number to follow up and let me know I could leave her a message and that she would call or email me back with updates. Since I spoke to her in early XXXX I have been calling her direct line every 3-4 days to check for an update and leave messages and have never gotten a return call or email.XXXX XXXX direct number that she instructed me I could call to get updates and communication is XXXX. She has been entirely unresponsive. I am almost 2 months since the assumable loan package was requested and Mr Cooper is now in posession of my personal information and the requested documents and they have not fulfilled the legal obligation to assign me a mortgage officer, simply because it does not benefit them for me to assume the loan. Regardless of the benefits to them of the loan package their is a legal commitment to follow through on federal guidelines and they have not. These actions are illegal and demonstrate prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
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.

I contacted the credit reporting companies and XXXX XXXX. 

The XXXX XXXX company is reporting a closed account on my credit report ACCOUNT ENDING IN ( XXXX ). ACCOUNT IDENTIFIER ( XXXX ). I have communicated several times by postal mail in reference to a debt validation, as the law allows me to do so. There have already been 2 occasions that tell me that they can not validate it. I have written evidence from them indicating that they can not validate it. 

The dates of the letters received from them are XX/XX/XXXX, and XX/XX/XXXX. 

They are showing late payments, but they do not give me information, they do not validate the debt, they do not give me evidence of the late payments. It's been more than 45 days, and they don't do anything. Honestly, they are giving it time to see if I don't dispute, but I have and know my rights. 

The information shown on my credit report must be accurate, something that XXXX XXXX is not doing. 

These documents that I require are of great importance to verify the debt and the federal FCRA law protects me and gives me access to these documents. The documents that I am going to list below are the documents that I require. 

According to federal law I have the right to access all these documents. They have from 30 to 45 by law to respond to this dispute, if not, they must eliminate it from my credit and send a copy of my report showing the elimination of this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting 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: PR

Complaint narrative:
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. 

I contacted the credit reporting companies and XXXX XXXX. 

The XXXX XXXX XXXX is reporting a closed account on my credit report ACCOUNT ENDING IN ( XXXX ). ACCOUNT XXXX ( XXXX ). I have communicated several times by postal mail in reference to a debt validation, as the law allows me to do so. There have already been XXXX occasions that tell me that they can not validate it. I have written evidence from them indicating that they can not validate it. 

The dates of the letters received from them are XX/XX/XXXX, and XX/XX/XXXX. 

They are showing late payments, but they do not give me information, they do not validate the debt, they do not give me evidence of the late payments. It's been more than 45 days, and they don't do anything. Honestly, they are giving it time to see if I don't dispute, but I have and know my rights. 

The information shown on my credit report must be accurate, something that XXXX XXXX is not doing. 

These documents that I require are of great importance to verify the debt and the federal FCRA law protects me and gives me access to these documents. The documents that I am going to list below are the documents that I require. 

According to federal law I have the right to access all these documents. They have from XXXX to XXXX by law to respond to this dispute, if not, they must eliminate it from my credit and send a copy of my report showing the elimination of this.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I checked my credit report and I can still see the Fraudulent account that I was requesting to get deleted. This account is damaging my credit and it's affecting my credit worthiness.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am writing to formally dispute a hard inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an unauthorized inquiry from XXXX XXXX dated XXXX XXXX & JPMCB Card ServicesXXXX XXXX, which I believe to be inaccurate and unjustified. 

Furthermore, I wish to bring to your attention that my personal information has been compromised in multiple data breaches, and my data was recently discovered on the dark web. As a result, I am particularly concerned about any unauthorized access to my credit information. 

Given the circumstances, I request that the unauthorized hard inquiry be promptly removed from my credit report. I understand that under the Fair Credit Reporting Act, consumers have the right to dispute inaccurate or unauthorized information on their credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Experian refuses to delete a charge off my credit report and its hurting my credit score, I have tried calling them and also have submitted complaints online on the violation of my rights as I have not given written consent they need to remove it, I have let them know of my identity fraud and fraudulent activity and they still won't remove it from my account.

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 2024-02-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Consumer Portfolio Services, Inc.
State: OK

Complaint narrative:
Consumer portfolio services failed to accept my notes for deposit and discharge. I've made several attempts to tender payment. XXXX XXXX XXXX XXXX XXXX XXXX If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender... on XX/XX/XXXX i received a letter from consumer portfolio services demanding payment in any [ particular ] form of coin or currency or legal tender which violates ( XXXX. ),

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I am writing to you to address a longstanding issue regarding my Capital One credit card account. To provide context, I have been a victim of identity theft, which has caused considerable distress and financial hardship. 

I discovered unauthorized activity on my Capital One credit card account. Upon further investigation, it became evident that I had fallen victim to identity theft, with the perpetrator racking up a substantial balance on the card. Unfortunately, by the time I became aware of the situation, the account had already been delinquent and eventually charged off. 

In response to this egregious breach, I took immediate action to rectify the situation. I froze my credit reports with all major bureaus, filed a comprehensive identity theft report, and invested in credit monitoring services, among other precautionary measures. Despite my efforts, the delinquency status of the account continued to plague my credit report, causing significant distress and hindering my financial prospects. 

Recognizing the urgency of the matter, I endeavored to dispute the erroneous charges and clear my name of any wrongdoing. Regrettably, my attempts were met with frustration and roadblocks at every turn. Despite successfully having the account removed from my credit report initially, it was later reinserted without just cause. 

In pursuit of a resolution, I engaged in extensive correspondence with both Capital One and the credit bureaus. Capital One conducted an investigation into the matter and ultimately ruled in my favor, issuing a reimbursement check and providing assurances that the erroneous entry would be expunged from my credit report. However, despite their acknowledgment of the error, the account remains stubbornly entrenched on my report. 
Conversely, when I liaise with the credit bureaus, I am met with a similar impasse. They insist that the responsibility lies with Capital One for failing to report accurate information, absolving themselves of any culpability in the matter. 

This cyclical exchange of blame has left me in a state of exasperation and financial uncertainty. I implore your intervention in resolving this protracted dispute, as it is adversely impacting my creditworthiness and overall financial well-being. 
Enclosed, please find documentation detailing the timeline of events, including dates, amounts, and actions taken by both myself and Capital One. I trust that with your assistance, we can bring about a swift and equitable resolution to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Subject : Formal Notice of Violations and Request for Remediation Dear SW Credit System I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner SW Credit System has handled my credit information. It has come to my notice that unauthorized collections have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2RR. I am formally demanding the immediate removal of this unauthorized collection from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Illinois Compiled Statutes, 815 ILCS 505/2LL. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences.

Additionally, I want to make it clear that any action taken by SW Credit System besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action.

Moreover, I insist on SW Credit System providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Sent emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and no response received. Need someone to contact me as Bank of America was " hacked '' in XX/XX/XXXX and Hackers got names, addresses, Social Security numbers, DOBs, account and credit card numbers from BofA vendor XXXX XXXX XXXX. 

I have requested information on how our sensitive private information will be protected as I have been compromised in the past by the lack of a company 's failure to better protect sensitive information, yet to date all my requests have been ignored. As a Bank of America customer, I was never notified of this breach as I have just found out about it. Bank of America is careless as they do not have better systems as they are greedy and insensitive to customer 's needs. I contacted the following email addresses : 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 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2024 opened account XX/XX/2024 new card was stolen from mail XX/XX/2024 fraudulent transactions and deposits were made to my account, after everything was cleared, they mailed new cards XX/XX/2024 I went to grocery store at XXXX am and my card got declined XX/XX/2024 I tried to pay online for a XXXX jacket and card got declined again I called Bank of America and was told that hold was placed on my account but they cant provide the reason for the hold, I asked for a supervisor and was transferred to XXXX XXXX he refused to provide his last name ) in fraud department, who also said that there is freeze on account but denied to provide any explanation on to why. I went to a branch in person, same result. In the evening I received XXXX emails from Bank of America : XXXX ) my payment was declined due to insufficient funds ( but there were funds ) XXXX ) that all my future payments have been canceled

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 monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

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. 

Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
Portfolio Recovery Associates scared me into signing a judgment order past the statue of limitations date. I signed the judgement XX/XX/XXXX not knowing that the statue of limitations was 2 years past the limit for Mississippi. The last payment on the original account was XX/XX/XXXX. Mississippi statue of limitations is 3 years. I have requested for the collection to be removed multiple times with them saying that the debt is valid. I recently requested validation and then discovered that they unlawfully had me sign a judgment order past the statue of limitations for a credit card debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
Since the courts do not report bankruptcy to the three ( 3 ) credit bureaus, they acted on their own. I previously requested A Method Of Verification of this account that they deemed as verified. Who was the person in whom they spoken with, and for any documentation to support theory. Including dates and times, Also in addition, In accordance with the FCRA, the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account should be removed immediately ; ( 1 ) US Bankruptcy, 15 USC 1681 Section 602 ( e ). states I have a right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 USC 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 in accurate. I'm demanding that the accounts above be removed and deleted 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 non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NY

Complaint narrative:
Inaccurate accounts, reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Inaccurate accounts, reporting 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