vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My husband and I have a small mortgage with Mr. Cooper in the amount of {$280000.00}. The property is worth well over {$1.00} XXXX. We were escrowing for taxes and insurance. In XXXX the escrow account was short {$160.00} I immediately contacted the company since I had been sending excess funds towards principal reductions on a monthly basis for over a year and a half. I asked the company to reverse one of those excess payments and apply it to the shortfall to clear the record and avoid a late payment being reported to the credit agencies. The company was able to make all sorts of adjustments to my account going back several months to correct their record and mistakes, however, they were unwilling to make this adjustment to clear the payment and avoid reporting it 30 days past due for the {$160.00}. I have made many calls, sent emails, and even reached out to the CEO without resolution. I wish to formerly file a complaint towards Mr. Cooper and their treatment of clients and unwillingness to correct a mistake that negatively impacts my credit history. 

On XX/XX/XXXX I contacted the company and spoke to XXXX XXXX and asked that they reverse unapplied funds and make the account whole and take care of the {$160.00} escrow shortfall. XXXX XXXX responded and said he would check the account on XXXX and make the necessary adjustments to apply the funds, rebalance the escrow account and adjust the payment amount. Over the following days, I checked the account repeatedly to see if these adjustments had been made. Many adjustments were made, except the one to clear the {$160.00} shortfall. On XXXX I contacted XXXX XXXX XXXX again and made him aware that all of the adjustments had been made except the one to clear the {$160.00} shortfall. On XX/XX/XXXX I contacted XXXX XXXX XXXX again as I did not see the adjustment on the account. He indicated that they could not do anything about it and would be reporting our mortgage as 30 days past due because of the {$160.00} shortfall. Having been a XXXX XXXX  for XXXX years, I know this was a false statement. I pleaded with him to no avail. I then went online and found the contact information for XXXX XXXX, CEO of the company and sent him an email pleading for resolution. I have yet to hear back from him.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc.
State: NV

Complaint narrative:
On XX/XX/XXXX or XXXX I received a call from Medical Data Sys. stating I owe X dollars for hospital visits in 2021. I mentioned over the phone that I wanted to validate the debt first and I told them I asked or mentioned that I wanted to dispute. The lady I spoke to that day said she can send me something to assist me in validation process. On or around XX/XX/XXXX I sent a letter stating I dispute the debt and requested validation to medical data systems. On or around XX/XX/XXXX I received a letter and an itemized bill from MDS for two hospital visits. MDS received my request/dispute letter around that same time. On XX/XX/XXXX, I called MDS to make sure they received the letter that I sent, I believe I spoke to XXXX, she mentioned that she can not discuss the issue due to the fact that the account was in dispute. I requested a supervisor or manager and they werent available. So she said she will have a supervisor call me at their earliest convenience. On or around XX/XX/XXXX I got to talk to a supervisor who mentioned they MDS is only able to send validations twice for one account and as a courtesy of them not sending all the information requested/ needed for me to validate the item on my credit report that she would delete the item. So I allowed 45 days to pass and I checked my report again on XX/XX/XXXX, and the item was still there. Again I called on XX/XX/XXXX to inquire why the items were still there and now this supervisor XXXX said things to contradict the supervisor I previously spoke to.

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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Auto loan by XXXX XXXX XXXX was to be removed last year from Transunion credit report at the first delinquency was XXXX of 2014. The FCRA demands accounts more that seven years old be removed from first delinquency. When disputed before, XXXX XXXX XXXX removed all information on the account, which is illegal according to the FCRA. This account has fallen off already from XXXX and 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 2022-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
I have previously submitted a XXXX  Complaint to XXXX XXXX XXXX XXXX XXXX back a few years ago for a medical bill which I accepted the resolution on the XXXX  website and resolved my debt with them. However, XXXX XXXX unexpectedly went out of business and instead of reconciling the debt, they sold my debt to XXXX XXXX and then XXXX sold my debt to Elevate Recoveries. 

I explained the situation to XXXX years and they left me alone. Now 2-3 years later, I now have Elevate harassing me about a debt that I don't owe and now placing the debt on my credit report. Ive explained this to numerous Elevate associates and asked repeatedly if this issue was on my credit. They said no. 

I have at least requested that Elevate provide me a debt validation letter on 2 separate occasions that I remember, because I do not owe this amount. They have not complied and only have provided me with their invoice stating that I owe them an amount. There is no breakdown of services rendered, dates services occurred, what the insurance paid, what I paid, nor what XXXX XXXX agreed to and resolved prior to going out of business. 

Elevate Recoveries is reporting inaccuracies to my credit report. Your responsibility as a recovery agency is to provide me with the proof that I have requested on previous calls with your company. This is a violation of FCRA and FDCPA. This seems like a scam and the ongoing harassment needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Failure to provide accurate amount of refund. The refund amount should reflect from the time I started my XXXX XXXX time, XX/XX/2019.

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 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX  in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!

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 2022-04-14 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: TX

Complaint narrative:
Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX  I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, I reviewed my credit profile and saw two accounts that are reporting on my account incorrectly. This account is being illegally reported on my credit report. I formally disputed it directly with XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory reply. 

Therefore, I am now formally disputing directly with you. Furthermore, if at any time during your investigation the above account is verified by XXXX XXXX XXXX I am requesting your method of verification pursuant to the FCRA XXXX including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue reporting My gap insurance covered this expense in FULL!

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 2022-04-14 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: MA

Complaint narrative:
I got an email from XXXX  saying that my credit score decreased. I judt have a feeling that someone is trying to apply with my social security number to get credit cards. I want to desput recent inquiries since I didnt apply for those

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 2022-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I used to have a checking account with Bank of America for many years, and I still have a credit card with them. I closed my checking account with BoA about half a year ago and opened a new checking account with XXXX. During this process, I made sure that I switched the autopay for my BoA credit card to my new XXXX bank account. I saw that the first credit card payment came out of my XXXX checking account so it appeared to be linked. I went on using my BoA credit card for a few months, but 3-4 months later saw a statement that said I was late on all of my payments since switching, because no payments were being made. I went on to see that not only was autopay not set up, but my XXXX bank details were not even attached or to be found anywhere. I was shocked because I had gone through the bank verification process and still even had the couple cents that were deposited to my XXXX account to verify that I had done it. I went through the process for verification again to re-add my XXXX bank account and paid off the entire amount due for the last 4 months, and then re-setup autopay. I called BoA to say that something had gone wrong with autopay, and I was able to set it up again but wanted to confirm it wouldnt happen again - and wanted the late payments to be taken off my credit history. They stated that I mustve added the bank account and not set up auto pay so they wouldnt be able to reverse anything. But if that were the case, my XXXX bank account details would have at least still been on the account, but not linked to auto pay. I asked a few more times but they refused to look into it. I went online and saw that many others were experiencing some strange things with autopay not working for them, and even for those that did not have any issues, they complained that the user interface for setting it up is not clear at all, and almost seems to set people up for failure so they can collect more fees.

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 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: McCarthy, Burgess & Wolff, Inc.
State: TN

Complaint narrative:
XXXX, On XX/XX/2022 I received a phone from XXXX XXXX with McCarthy Burgess and Wollf stating I owed them a debt of {$280.00} and some change on behalf of XXXX. I never gave sprint any written consent to use my private non public consumer information with any affiliated or non affiliated third party. Nor have I ever contracted with McCarthy Burgess and Wollf. XXXX XXXX stated they would place the balance on my consumer report which is damaging to my reputation. I spoke to a representative for XXXX stating that my account is suspended but once payment was received I could start service immediately. My account was never closed but I have a third party law firm threatening me into payment of my own private matters. The XXXX representative stated that it was their policy to give my account over to the debt company even though it never closed and Im still incurring payments months after non use of the device.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I contacted Comenity bank which holds XXXX of my retail credit cards, in regards to SCRA benefits. Under Louisiana state law, my husband and I should have the 6 % interest rate cap applied to our credit card accounts. Louisiana is a key provision state and under their SCRA law, debt accrued before and DURING active service, rates the 6 % cap. Comenity has refused to acknowledge this law. I have submitted my husbands XXXX XXXX orders as well as our marriage certificate. Every other credit card, including my credit union, has acknowledged and applied those benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14 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: TX

Complaint narrative:
XXXX XXXX XXXX added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via XXXX and system gave errors. Account number XXXX XXXX XXXX. I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.

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 2022-04-14 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Sputhwest credit systems added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via XXXX  and system gave errors. Account number XXXX XXXX XXXX. I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In 2019, my wife and I received a call from a Wells Fargo Mortgage employee, and they stated that I had let my flood insurance expire, but they were able to get me into a policy. They stated that I would have to pay the penalty because it expired. My flood insurance went from {$410.00} a year to {$6200.00} a year. They also stated that this was going to increase my mortgage payments in order for me to pay the penalty. I began paying my new mortgage payments for several months when I realized that my flood insurance was paid through my escrow account, which is the responsibility of Wells Fargo. When I called Wells Fargo, the next lie that was told to me was that my home was re-zoned in a different flood zone through FEMA, and that was why my flood insurance was so expensive. I reached out to FEMA, and they told me that my home was never re-zoned and that Wells Fargo had lied to me. The third lie that Wells Fargo did was I cancelled my home owner 's insurance with XXXX and went with XXXX. This took my homeowners from approximately {$1500.00} per year to {$1100.00} per year. Then Wells Fargo sent me letters stating my escrow account was going into arrears, so I asked them to send me the paperwork. When they sent me the paperwork, I saw on the papers that they had both my XXXX and my XXXX insurance policies, and that is what was causing the arrears. After this was brought to their attention, they did send me a check because my escrow account had a surplus. Maryland law requires that any overage of {$50.00} or more is to returned to you at the end of the year. My escrow account has been over for several years, and I have never received my overage payments. I was sent mediation paperwork back to Wells Fargo, and they never got back to me. Also, I had made several attempts to speak with them, but they kept handing me off to different employees. This is a scam. I have since refused to pay my mortgage payment after over twelve years on a 20-year note of never being late. My wife and I are nurses and these have been troubling few years and we have been harassed by this company for all of these years. I decided to no longer send in my mortgage payments I am paying them into a separate account because this company has deceived me for the last time. I have asked them to no longer contact me that I will see them in court. They continue to contact my wife and me and I have had it with them. I was recently contacted by the XXXX of XXXX XXXX in Maryland, where I sent them documentation proving my actions. If you have any further questions, I can be reached at XXXX. Thanking you in advance. 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 2022-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Solicitations and damaging remarks on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am writing to you due to Huntington bank in Ohio, the manager was XXXX, the other person was XXXX. They both are located in Ohio would not tell me last names or which location. I had an old Huntington acct, with an XXXX negative bal, from a job loss I had last XX/XX/2021. My mother who is almost XXXX, had fraud on her XXXX _acct, 2 mos ago, to the amount of XXXX. It took me 5 weeks to get that money back, and I opened her a Huntington acct and closed her XXXX acct. 
Huntington took my debt from her new acct-without my knowledge. I am furious this is all the money she has, I agreed to set up time to right then in the phone from my other account at XXXX, they said no. This is ridiculous. She has only XXXX per minute from social security, thats it. I need those find out back to her account and I can set up the repayment of my negative balance.

Company response to consumer: Closed with explanation