vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been through many hardships due to the pandemic. Since the pandemic started I have lost four family members over the course of the last two and a half years. Also, I was in a very bad XXXX XXXX  which caused me XXXX XXXX After replacing the car as it was not salvageable the next car caught on fire. This caused many unexpected expenses between helping with funerals, traveling and payment auto insurance deductibles. My grandchildren gave my wife XXXX and it was a very bad case and I was the primary caregiver. During this time I tried to keep in touch with my lender to try to save my home. I was told very different stories from each representative at each servicer I was transferred to. At the beginning of the pandemic my loan was with XXXXXXXX XXXX, it was then transferred to XXXX, I was then transferred to Community Loan Servicing, I was then transferred to Nation - XXXX XXXXXXXX, I was then transferred to Mr. Cooper and then to Rightpath. None of the servicers sent my information to the new one, XXXX XXXX XXXX sent me a modification that was not honored once the loan transferred. Also, I paid XXXX XXXX XXXX {$7000.00} and then I was told my loan had already transferred and the money is lost. Also, when my loan was with XXXX I received a call from XXXXXXXX XXXX  on my caller ID and sent {$2000.00}, XXXX then told me they did not receive it. Rightpath has now denied me a modification. I have an FHA loan and I believe Rightpath is obstructing me from accessing available assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX ( Installment ) Accounts - Summary Equifax XXXX XXXX Last Updated XXXX, 2022 Payment Status Unpaid balance reported as a loss by credit grantor Worst Delinquency Charge Off/Other Derog Balance {$4700.00} Credit Limit 15usci1681i i have no knowledge of this account, if this was charged off it can no still be reporting. you must remove or submit a 1099G because you can not collect on a charged of account that you summitted to the IRS please remove and suppress. please update credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2021 in accordance with the Fair Credit Reporting act 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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my accounts were properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate, how the account opening date is same with the last reporting date & last one is that how you were reporting the balances on collectionclosed accounts?? This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted :

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

Complaint narrative:
There are a lot of accounts in my report that are not familiar with me, I was a victim of identity theft and I have reported it to the police. I sent letters to the bureaus, but they did not send me any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am a cosigner on my sister 's private student loan with Navient for approximately {$5000.00}. 

Navient reports me as delinquent on payments for this loan to the credit bureaus. However, when I or my sister calls, they sometimes tell us that they see me as a cosigner, sometimes they do not. They tell us sometimes there is a balance and sometimes they tell us there is a XXXX balance and the loan is closed. However, they continue to report me as delinquent, causing a lot of harm to my credit score. 

I have requested to be released as a cosigner from the account ; I received a letter in the mail from them saying my application was not complete. Navient will not explain to me what information is missing from the release cosigner application. They just go back to telling me there is a XXXX balance or they do not see me as a cosigner when I call to ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
Looks like a student housing facility I stayed at in college turned over my debt to a lender. For me personally, I never had made monthly housing payments on my card or account when I was in school or when I had graduated. Seems to have been created in XXXX of XXXX and my credit score recently took a hit 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 explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I disputed an XXXX charge ( it was double charged ) on my BofA XXXX. The bank said after their research both charges were valid. That is incorrect. BofA did not do sufficient research to protect their customer

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 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXXXXXX  ) XXXX Balance : {$880.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Balance : {$840.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX  ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$420.00} XXXX XXXX XXXX  ( Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX  ) XXXX Balance : {$590.00}

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 2022-11-11 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: FL

Complaint narrative:
There is a XXXX credit card # XXXX on my credit report that is not mine. I called to verify this account and although we have similar names, it not mine. The social, address, last full name and even the state in which this account was opened does not match any of my information. 

This particular account is affecting my ability to close on my new home this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
I received an email on XX/XX/22 from Bank of America that an account was being opened with my information. I forwarded this email to their fraud department per the instructions online. 

I received another email XX/XX/22 that an account had been successfully opened on Bank of Americas website. I called the BOA phone number and they connected me to the fraud department, who said they couldnt do anything without my full SSN #. I didnt really want to provide it, especially since my information seems to be compromised. They said they couldnt do anything about the fraudulently opened account without it. I dont live near a BOA and do not have the ability to visit a branch. 

I work at a bank and I asked them how someone could open up an account without proof of identity or address. I asked if they required a photo ID or proof of residency, and they said no. I had to prove MY identity, but the fraudster was able to open an account without being asked to prove theirs. They got the account closed after I finally gave them my SSN, but it was all around a poor experience. They didnt flag my information after o forward the first email to the fraud department and someone was able to open an 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 2022-11-11 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: OK

Complaint narrative:
XXXX equifax credit bureau compromised and sold my identity to a mortgage loan lender under someone else identity that identity theft my social personal information and put a debt after equifax fraud ran my credit and abused my social security number and approved a mortgage loan for subspect XXXX XXXX and student loans also XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all of XXXX XXXX Nevada where two mortgage debts fraud identity has been placed illegal for public someone else mortgage loans thats mother sister related to XXXX XXXX she used my credit identity theft my identity and finances a mortgage loan equifax illegally ran my credit and put her debt loan installment payment XXXX which I'm disputes now off my credit report equifax student loans from XXXX  where my identity again was stolen compromised by e a equifax selling my identity student loan has a different name and different account holder information and all XXXX student loans XXXXwas again placed under my identity XXXX XXXX XXXX mortgage loans please remove all three loans from two mortgage loans taken out against my identity fraudulent I don't own no home my name isn't on mortgage deed nor loan my credit was ran fraudulent under XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX identity theft loan account 5 years now during damage my collectable credit from me buy my own house credit lender mortgage loans for my own purchase I've been blocked by your credit bureau equifax where they have fraudulent charges XXXX installment payments and student loans that I am not account holder off and refuse to remove mortgage loans where my name is not own mortgage deed nor lender but my identity compromised ran by equifax and fraudulent debt collectors collection is own my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had more than {$1000.00} usd in rewards in my capital one account - credit card. I received a letter during the night of XX/XX/10 indicating that my account was closed but my rewards were never redeemed. I contacted the bank but they refuse to pay me the amount of dollars that I had accumulated I had any debt with that account at the moment that I requested to receive my rewards either thru a gift card, check, transfer etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-11 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: Early Warning Services, LLC
State: NJ

Complaint narrative:
XXXXXXXX XXXX  used : Early Warning Services , LLC Attn : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, AZ XXXX Tel XXXX Fax XXXX XXXX XXXX XXXX To verify my checking account. It was denied by this firm as being a legitimate account despite me having an XXXX XXXX credit score. The information provided to XXXX is incorrect and not accurate. When I called the firm above to inquire as to what is going on, they forced me to indicate whether I was over XXXX XXXX XXXX or not and then tried to sell me a medical insurance policy. This is not a legitimate credit reporting firm. 

When submitted again, it seemed to have gone through but we will see if we get another disapproval letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
As a follow up to dispute case XXXX, I called and spoke to a supervisor named XXXX. XXXX understood my issue and assured me the matter would be resolved with 24-48 hours. As of XX/XX/11 the amount is still not credited nor has American Express removed the erroneous XX/XX/XXXX {$650.00} charge. I have attached XXXX response to me in writing regarding the credit to my account had been processed and would show within days.

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

Complaint narrative:
Companys Ran my credit without consent multiple times . XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX  Bankruptcy Reference Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The retail associate from Victoria Secret opened a credit card under my information without properly explaining the entire details. It was projected as a " rewards card '', I was never told that it was a credit card. Few months later I started getting bills for transactions I did not make. I called the company to help me, they never really resolved it,. I recently just checked with my XXXX report and there are anomalies like payments made which I never did. I did not even know the card existed in the first place. So now its a whole mess and I need this taken out of my report for it is affecting my history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 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:
There are a lot of accounts in my report that are not familiar with me, I was a victim of identity theft and I have reported it to the police. I sent letters to the bureaus, but they did not send me any response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are a lot of accounts in my report that are not familiar with me, I was a victim of identity theft and I have reported it to the police. I sent letters to the bureaus, but they did not send me any response.

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