vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
On XX/XX/2022, I submitted a complaint against Mr Cooper in regards to my mortgage. You can review the details of that complaint in my complaint history. This is now the 2nd complaint with the same types of issues, however there are new issues to bring to your attention. Starting from XX/XX/2022, I advised Mr Cooper that they continually misapply payments on my account and process those payments as additional principle. The supporting accounts statements will show this to be true. I will also be submitting screenshots of statements on their website that attest to how those payments should be processed when an amount due shows on the account. They consistently do not apply payments properly and the only thing I receive are excuses as to why they can not process payments correctly. I have now sent in 6 separate messages in a two month period in regards to the same issues. I have called 2 separate times regarding the same issues. 

The final straw is the letter received on XX/XX/2022, in which they state that my homeowners insurance has expired and they plan on purchasing insurance for me. Further in the letter, they state that they have it in their records that I elected to pay the insurance directly rather have it in the escrow account. The screenshot that I am including proves otherwise and states the date in which the payment should've went out to the insurance company. 

It is clear that Mr Cooper is unable and unwilling to handle this mortgage properly and to my standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Self Financial Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I opened a secured credit account with Self Credit builder, On XX/XX/XXXX I successfully paid off my debt of XXXX was asked if I wanted to collect my secured amount or move to the next level of a secured deposit of XXXX, I said yes and deposited another XXXX dollars. 
On XX/XX/XXXX a family emergency came up and I needed a rental car to get to New Jersey, so on XX/XX/XXXX I paid for and picked up my rental, For XXXX plus deposit which totaled out to XXXX XXXX maxed out my card. I kept the car longer than expected, on XX/XX/XXXX I returned the car but XXXX was closed, a family member was going to pay cash for the remainder of the balance when We returned the next day, Self had paid the remaining balance. 
Upon seeing it was paid my family member didn't feel required to pay it, I was shocked that self paid it because I knew My credit limit was only XXXX, I worked my way up to that amount because that was all I could offered and I could pay that amount down, I know I could not pay that amount, I never orally, written nor electronically asked or approved for self to go over our agreed secured amount of XXXX dollars and therefore should not have been paid. There were times that I tried to go over by a few dollars and the company refused, I never thought they would have paid such a large amount. 

I am working really hard to improve my credit and because of Self I have derogatory marks on my credit report and XXXX points were taken from me. I have tried to reach out to them about this and have it removed to no avail. XXXX XXXX has many reasons why I am not entitled to pay this, I agreed to a credit limit of XXXX and I have paid that, that is all I could afford and would not have exceeded that amount I want this account removed from my credit report and my points that were taken away because of false reporting of Self.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 Sates I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: ERC
State: NC

Complaint narrative:
I have reached out to XXXX and Enhanced Recovery on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my XXXX or XXXX and/or XXXX XXXX report ( XXXX ) : * Date of Last Activity * Date Reported * Date Opened * Closed Date * Last Payment However, this inaccurate information is still being verified and reported by XXXX and the credit bureaus each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request the XXXX account XXXX be removed immediately from my credit report with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX is in direct violation of my rights under FCRA by reporting inaccurately. 

Also when attempting to make contact in order to resolve my concern, XXXX refuses to assist and forwards me to Enhanced Recovery Company. When I contact Enhance Recovery, they inform me that XXXX is reporting to credit bureaus not ERC, therefor they can not assist with the inaccurate reporting. An ERC representative on the phone informed me they do not report data to credit agencies, they collect only and the information being provided is coming from XXXX XXXX. I have been sent back and forth between the two companies with no resolve. 

I can not verify or validate any of the information on my credit report concerning XXXX. I have contacted XXXX on several occasions but XXXX refuses to report accurately. 

I request account XXXX be deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: NC

Complaint narrative:
I have reached out to XXXX and Enhanced Recovery on multiple occasions, through several different avenues, throughout this past year in attempt to dispute the following information that appears on my Equifax or XXXX and/or XXXX XXXX report ( XXXX ) : * Date of Last Activity * Date Reported * Date Opened * Closed Date * Last Payment However, this inaccurate information is still being verified and reported by XXXX and the credit bureaus each month. The information can not be both valid and different. Each bureau is reporting different data in each category. I request the XXXX account XXXX be removed immediately from my credit report with XXXX XXXX XXXX XXXX and Equifax XXXX XXXX is in direct violation of my rights under FCRA by reporting inaccurately. 

Also when attempting to make contact in order to resolve my concern, XXXX refuses to assist and forwards me to Enhanced Recovery Company. When I contact Enhance Recovery, they inform me that XXXX is reporting to credit bureaus not ERC, therefor they can not assist with the inaccurate reporting. An ERC representative on the phone informed me they do not report data to credit agencies, they collect only and the information being provided is coming from XXXX XXXX. I have been sent back and forth between the two companies with no resolve. 

I can not verify or validate any of the information on my credit report concerning XXXX. I have contacted XXXX on several occasions but XXXX refuses to report accurately. 

I request account XXXX be deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: ALEXANDER-ROSE ASSOC, INC.
State: LA

Complaint narrative:
In accordance with fair credit reporting act XXXX account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
Debt not owed. No longer utilized XXXX XXXX insurance. Policy was canceled and ended upon me switching companies. AWA Collections with XXXX XXXX XXXX are trying to collect a debt not owed for a month their services were not in use.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
1692b. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 




Collection Account with Original Lender XXXX XXXX XXXX is currently being handled by an out of state debt collection agency by the name of XXXX XXXX XXXX whose address is : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX This is a violation of my rights as a consumer and this agency has no right to attempt to collect a debt from a Texas resident. I am requesting permanent deletion of this account on my XXXX and Experian credit reports.

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 2022-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: ID

Complaint narrative:
There's a scam company called Kickoff Lending XXXX Llc that I signed up with not knowing it was a scam. I cancelled the accou t once I learned that I was paying for a fake loan that I never received a single dime for. They're stealing from me and falsely reporting an account that I successfully cancelled months ago. With a lawyer even. But the credit destruction reports have yet to cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # 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 explanation
Consumer complaint received 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My son is a minor who has a credit report through TransUnion. When I investigated this, I found that one of my credit cards through XXXX XXXX is attached to both his and my social security numbers. This change was done in XX/XX/2022, though no action was taken by me at this point, nor does his name show as an authorized user of the card.

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 2022-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I believe that I am a victim of identity theft Reason being I am unable to freeze my account, online due to the fraudulent entries on my credit report where someone fraudulently used my name to lease and purchase vehicles and vehicle tags. There are bank accounts last XXXX digit information of banking accounts in my name that I do not own.. 

I have never owned a vehicle in my life, I have never owned a drivers license never in my life since 2015 someone has been fraudulently purchasing vehicles tags and bank accounts in my name

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 2022-12-03 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat ~ payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. 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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Professional Credit Management, Inc
State: AR

Complaint narrative:
My identity was stolen and i summited a police report to all XXXX credit bureaus and disputed all unauthorized hard inquiries and disputed a collection that did not belong to me and advised them that this is also against XXXX XXXX. The fraudulent inquires and collection were not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Ad Astra company continues to call my phone number about this debt and I have no idea wheres it is from. If it is a payday loan collection, the loan was paid directly to the company. I even hired XXXX XXXX XXXX to help me minimize my debt and Ad Astra rejected their attempts to resolve this alleged debt. This company is on my credit report, harassing me, and not complying with efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
First of all, I would like to say thank you to the CFPB. They have helped me twice over the past few years with XXXXXXXX XXXX  and XXXX. This complaint is about Fifth Third bank. I will try to make this as brief and to the point as I can. First complaint is on XX/XX/22 I went out of my way to get a cashiers check from my XXXX XXXX XXXX  to deposit into my new 5/3 account for XXXX. Mind you my account is and was in good standing and there was no reason for any extended hold to be placed on a cashiers check. I was told by the rep at the branch on XXXX XXXX. in XXXX NC there would be no hold placed on the check since my account is in good standing, it's a cashiers check, and I have enough in the acct already to cover the check. The next day I find there was an extended hold placed on the check and no one can tell me why it happened or when the funds would be available. We give our hard earned savings to banks because we look to trust them and that our money will be safe. When depositing money and hearing that I can not get the check back nor do they have any idea why the hold was placed nor know when it will be released it makes you not trust the bank anymore and that is why I am here writing this. My second complaint is that on XX/XX/22 when logging in online to see if the check cleared like it was supposed to, it did not allow me to log in and said to call the main customer service number. Doing so multiple times I was never able to get through to anyone. I also just brought my elderly mother in to open a new savings and checking last week and feel like a fool now for doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: AFNI INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for Purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
I recently bought a house from AmeriHome mortgage company LLC. I thought I had a VA Loan with guaranties. The house was suppose be inspected and appraised. I am still waiting on the reports and the house has closed. I was given a home warranty, this was to insure that the house was good. But after a couple of days everything began to break down. The pool pump stopped working, the wiring has been compromised. The conduit is rusted out causing the wires to ground out. This is just one problem with the electrical, there is open slots in the electrical breaker box. Nothing is label correctly and there is several circuits missing form the panel. It is not up to code, I was told that the property was inspected by the VA rep and approved. But the standards that the VA provide to its service members are not being met. Now the home warranty company is saying they do not cover the repairs. The XXXX XXXX XXXX  XXXX XXXX XXXX XXXX said this house was up to code and passed inspection when they sold me the house. It is not up to code.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX Account # XXXX ), ( XXXX XXXX XXXX Account # XXXX ) and ( XXXX XXXX XXXX XXXX Account # XXXX ) have 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 explanation