vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
I am filing a complaint against Mr. Cooper regarding an incorrect payment reversal and subsequent erroneous credit reporting for my mortgage loan # XXXX. This error has severely impacted my credit score, causing a XXXX drop in my XXXX score. 

Details of the Issue 1. I have XXXX mortgage loans with Mr. Cooper : # XXXX and # XXXX. 
XXXX. I set up a new bank account for auto-pay on both loans. 
XXXX. I later disconnected this account and reconnected an old account with sufficient funds. 
XXXX. The change was applied to loan # XXXX but not to # XXXX. 
XXXX. The payment for loan # XXXX due on XX/XX/2024 was reversed from my bank account. 
XXXX. I corrected the payment manually on XX/XX/2024 when I became aware of the issue. 
XXXX. Mr. Cooper reported this as a delinquency to credit agencies without providing proper notice. 


Additional Information I was working abroad when this issue occurred, which limited my ability to immediately address the problem. I believe Mr. Cooper did not provide adequate notice of the potential delinquency, which could have allowed me to rectify the situation sooner. 

I have been a responsible borrower with an excellent payment history, and this situation was caused by a technical error on Mr. Cooper 's part, not by any intentional negligence on my part. 

I am willing to provide any additional documentation or information required to resolve this issue promptly and fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: WA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : Account : XXXX XXXX XXXX Account no. XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Reporting late payment on a account after account was closed in XXXX of 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 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have sent Transunion the correct stuff that they are reporting incorrectly on my credit report I sent them all the necessary documents and they have not done anything regarding them by just sending me fake letters just to get their response out to me I need them to remove the fraudulent inquiries immediately. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXX bal. {$47.00} XXXX  XXXX bal. {$0.00} XXXX XXXX  bal. {$0.00} XXXX XXXX XXXX. {$230.00} XXXX XXXX bal. {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Dear, PORTFOLIO RECOV ASSOC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Information still showing on consumer report after TransUnion send paper showing it was deleted on XX/XX/year>

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-23 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: IA

Complaint narrative:
I have disputed with these credit bureaus a few times and also with the company XXXX XXXX XXXX XXXX regarding them placing repeated charge off on my credit report every month and they sent back that it was legal to do so.

1. No Arbitration Offered : I was never offered nor allowed arbitration in relation to this account. Any claim suggesting that arbitration was made available to resolve this matter is incorrect.

2. No 1099-C Received : I have not received an IRS Form 1099-C ( Cancellation of Debt ) related to this account. The absence of this form indicates that no debt cancellation has occurred, yet there appears to be erroneous reporting in connection with this account.

3. Repeated Charge-offs : According to the FCRA, a debt can only be charged off once. However, this account has been repeatedly reported as a charge-off every month, which is inaccurate and damages my credit standing. Such repeated reporting is a violation of the FCRA 's accuracy requirements.

Under the Fair Credit Reporting Act ( FCRA ), the statutory damages related to violations are outlined primarily in 15 U.S.C. 1681n and 15 U.S.C. 1681o, which govern civil liability for willful and negligent noncompliance with the FCRA.

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 2024-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I had to download XXXX  XXXX XXXX app on my XXXX XXXX XXXX XXXX. I was unable to do it because my XXXX region is XXXX. I had to change it to XXXX. To get help I searched on safari, apple customer care and selected a link that led me to a number XXXX ( XXXX ) XXXX. The person introduced himself as XXXX XXXX XXXX. He offered to assist me and was impersonating as apple customer care employee. He asked me to download XXXX assist where I shared my screen. He made me go through settings and verify my identity for changing my region and cancelling my subscriptions ( XXXX XXXX and XXXX ). He did change all these things and I am now able to change the region. But to verify my identity to initiate the process, he asked me to XXXX XXXX XXXX XXXX $ on Tuesday, XXXX followed by XXXXXXXX XXXX wire transfer stating we needed the money to show you as a real person in the XXXX to verify your XXXX ID as I didn't have an active SSN. The address was based in Nevada. He told me he stays in Nevada and works remotely and his office is in California. While doing all this, he also sent emails from apple support/ apple wallet. ( XXXX via XXXX ) They also sent me an email saying the money would be refunded both wire and XXXX. Following that, the next day they asked me to do another transaction through XXXX for XXXXXXXX XXXX  to get the refund back. After I did that, they asked for another XXXXXXXX XXXX which was my account balance to refund. That is when I understood it was a scam. I asked to speak to a supervisor and they changed their voice and accent to converse further. They called me and texted me non stop both the days and were constantly assuring and stayed in touch. They kept saying that XXXX will refund everything, this is a normal procedure. They used multiple accounts to get the money. They also asked me not to contact chase or do anything to my account as it would affect the refund process. they also gave an employee ID : XXXX. they also gave their supervisor 's employer id and name : XXXX XXXX XXXX, EMPLOYEE ID XXXX. The numbers for XXXX : XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX ) and XXXX XXXX XXXX XXXX PA, XXXX XXXX, FL XXXX ( XXXX XXXX ) and XXXXXXXX XXXX from XXXX  XXXX XXXX via XXXX. Wire transfer : Quality garage, ... ... XXXX ( XXXX $ ) I vaguely remember the address being in Nevada. They also took my passport details in the form of photos. they had an XXXX accent and sounded like they were between XXXX years maybe. they said things like when I was in college I had my transaction of XXXX stuck as well so don't worry we will refund all your money you dont have to be scared. they also made me add the XXXX recipient as my name - XXXX. another number they used : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
As of XX/XX/year>,, I received a pop-up on my credit card statement informing me that my Macys store account has been cancelled. I was told that a letter was sent to me on XX/XX/year>, formally informing me. I called the Macys XXXX XXXX, on XX/XX/year>, speaking to XXXX. XXXX put me on an extended hold while he spoke to a supervisor. XXXX verified by home address and email address to send me the document ; I have yet to receive this document as of XX/XX/year>. I received no terms or conditions ; no information on how this action impacts my credit ( and credit rating ) ; does this mean that my credit will continue to be charged retroactively at a higher interest rate ; what information was provided to the credit reporting agencies. When I ask these hard questions of a different call center employee, XXXX, on XX/XX/year>, she continued to give me no information as if she didnt understand the questions. This is typical of Citibank! I received an email from Citibank on XX/XX/year> @ XXXX XXXX. The email instructed me to call the number listed on the email. It was XXXX. This is smelling of countinuing fraudulent behavior by Citibank. I am disturbed, because this is the same behavior I wrote to you about in XXXX, while you were still a division of XXXX Treasury XXXX Their fraudulent behavior continues XXXX  years later by withholding consumer required documentation and ruining the credit of innocent Consumers.

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 2024-09-23 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: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
Unauthorized hard inquiries were added to my credit report on XX/XX/year>, XX/XX/year>, and XX/XX/year> without my permission. I promptly contacted each creditor to request documentation showing proof of my submission or consent for these inquiries, but none was provided. Despite my efforts to have the inquiries removed, they remain on my credit report and are having a detrimental impact on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from 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 non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts from 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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Someone opened a credit card with XXXX  XXXX  and they live in New Jersey and used my information to obtain the card and have quit paying on the card therefore it is affecting my credit causing me to be denied on obtaining a loan which I wanted to purchase something. My home address is in Missouri and I had no idea of the card until I applied for the loan and was denied. I have contacted XXXX XXXX  XXXX  company and also the credit bureau to inform them of the theft. The date of my loan application was XX/XX/XXXX and the card was initially issued in XXXX of XXXX and they have not paid anything since XXXX or XXXX of XXXX. XXXX  is currently investigating the issue as of XX/XX/XXXX as well as the credit bureau as of XX/XX/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 2024-09-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I have been contacted by a company call TSI in reference to a XXXX XXXX charge that was falsely charged to an account that I no longer have with the company. My account with XXXX XXXX had been turned off for several months. With no consent or request on my part the service was restored under what appeared to me as a promotional run. Some time after XXXX XXXX debited my bank account for XXXX fully knowing that my debit card was authorized for a one time, ONE TIME, payment before the service was disconnected. Under no circumstance did I ask them to turn the service back on, nor did I authorize an auto debit from my account. This was a XXXX XXXX error not me as a customer who did not ask for my services to be restored. I immediately disputed the charge with my bank and my brother and I called XXXXXXXX XXXX to rectify the theft. After reviewing the account they saw the error on there part and a refund was credited to my mother 's bank account that was on file in XXXX of 2024. In XXXX, I received a letter from a collection company called TSI stating that they were managing the XXXX account with the remaining balance of XXXX the exact amount XXXX XXXX had taken from my mothers account in XXXX with no authorization. When I explained the situation to TSI letting them know that this was a false charge and that XXXX XXXX refunded this exact amount due to there error and the unauthorized charge they begin to state that the money was still owed and they would be pursueing me to collect on the debt. This is unfare and not integral. XXXX XXXX should have never sold this as a debt. They knew the error was on there part and they have sold to an aggresive creditor to try and further still money for an error that they made. My mother and I both are senior citizens and I understand that this is how creditors take advantage of people like us who are elderly. It is not fare and should be handled fairly. I am asking that this debt be resolved with XXXX removing the debt and TSI removing the debt due to XXXX XXXX owning the responsibility of the error they made instead of trying to pass it off to me as the customer. They are asking me to be accountable for a debt that I didn't authorize neither for the service or from them to steel from my account. They should be accountable for their actions and take ownership for what is right.

Company response to consumer: Closed with explanation