vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
This is my second complaint against Mr. Cooper since this company has not yet resolved/ posted payments ( XXXX paper checks & XXXX electronic ) to my account, yet continues to state that my payments are past due & have charged me {$45.00} in late fees! 

Note that payment of XX/XX/year>25 was sent electronically. 

Responses I have received thus far are generic ; no viable resolutions are presented. In addition, one response I received on XX/XX/year>25, stated : " Upon receiving your request, we have promptly updated our records to reflect your desire to cease and desist communication. As your current loan servicer, Mr. Cooper is dedicated to respecting your wishes and will no longer initiate any verbal or written communication regarding your loan. '' In my email to Mr. Cooper dated XX/XX/year>25, I wrote : " Please cease & desist from mailing me threatening notices when Mr Cooper has failed to acknowledge receipt of said payments. On XXXX/XXXX/25, I spoke with two of your representatives, XXXX, then XXXX who stated she was based in Texas, with number XXXX, extension XXXX. XXXX stated " it might be internal '', that your company " moved, but address is still valid. '' When I asked her to repeat this information, I was suddenly disconnected! '' In my email to Mr. Cooper dated XX/XX/year>25, I wrote : " CEASE & DESIST IMMEDIATELY from posting false information on my account stating that my account is past due by {$3200.00}. It is NOT ... '' Obviously, Mr. Cooper has falsely stated that I said I did not want any further communication. Once again, false information. I see a clear pattern of untruths and finger-pointing directed against me ; I am the victim, not Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: OH

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: DE

Complaint narrative:
For over two weeks I can not get into my finance account because the company, Credit Karma, refuses to give my serious issue any consideration. I sign into Credit Karma with my fingerprint, it goes through, then asking for my password, it goes through, then they send a code to my email, I get the email with code and type in the code, it goes through. HERE 'S THE PROBLEM, then they send a text message to my phone with a code, I DO NOT RECEIVE THE TEXT MESSAGE!!!!! So I can't complete the login to my account. I've called them 30 times, emails stating the same thing over and over again. I even suggested they remove my phone number off my account and then put it back in, they ignored me. The ignorance is intolerable. I asked for my account balance and was told they aren't allowed to do that. I am a 100 % service connected XXXX XXXX XXXX veteran. So the other day all my ferderal benefits went into my account and I had no control over my finances. This is going on 3 weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I reported several accounts and nothing was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: MECHANICS BANK
State: FL

Complaint narrative:
I dispute an Michanic bank account that is reporting inaccurate information on my consumer reports l ask for an reinvestigation But fail to correct the information on 3 all credit bureaus Under the FCRA, specifically 15 U.S.C. 16815-2 ( a ), furnishers of information, such as XXXX XXXX , are required to ensure the accuracy of the data they report. Furthermore, under 15 U.S.C. 1681i, credit reporting agencies are obligated to conduct a reasonable reinvestigation of disputed information. I respectfully request that the CFPB investigate this matter and ensure that Michanic bank fulfills its legal obligation to report accurate information. I also request that the inaccurate information be removed immediately to reflect the truth of my credit history.i circle all the dates that is not accurate and also upload a copy of the report and highlight the information that not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: AR

Complaint narrative:
I've disputed the debts on my credit with expieren. Even told them to remove the information and quoted the under 15 USC 168b this information can't be reported on my credit with out my permission and I asked them to remove it immediately. Before that I explained the 3 accounts were not my debt and the last time I filed a dispute I asked them to verify the 3 accounts and send ME by mail or email a copy of my wet signature for the negitive debt they are claiming are mine. Every dispute has been left with no resolve on my credit. I never received the wet signature and verification this debt is mine like I asked and their finding was it's my debt and it has to stay on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On or about XX/XX/XXXX Nationstar Mortgage LLC d/b/a Mr Cooper Mortgage failed to pay my homeowners insurance premium from my escrow account. Not only did they fail to pay my insurance premium from my escrow account, but in fact, using my funds, they actually made a payment to an incorrect, unknown, account with a different premium, difference address and different account number, without my knowledge or authorization, causing my coverage to be cancelled. My homeowners has been escrowed with Mr Cooper since XX/XX/XXXX. 

On XX/XX/XXXX my property sustained damage when hurricane Beryl made landfall in Texas, XX/XX/XXXX. When I called my insurance agency, XXXX XXXX XXXX, to file a claim, I was informed my insurance had been cancelled due to non-pay. 

Nationstar llc d/b/a Mr Cooper 's failure to pay my hazard insurance premium from escrowed funds had left me with no coverage during the hurricane. 

I have since reached out to Mr Cooper through numerous representatives trying to resolve this issue. Their failure has created several problems, including unrepaired property damage, new homeowners insurance with an increase of premium, erroneous information on my account and being held accountable for their failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a been charged a crazy high amount in interest charges. The charges are doubling weekly and I will never be able to pay it off the way they are compounding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am requesting the immediate removal and blocking of the unauthorized accounts from my credit report. I did not approve or create these accounts and am unaware of their origins. Under USC 1681g, I ask that they be removed within 15 days. Please find the enclosed documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aargon Agency, Inc.
State: AZ

Complaint narrative:
I woke up to this and i have no idea what this collection is

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 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: CA

Complaint narrative:
I am reporting this collection attempt to the CFPB because I believe it to be unlawful and in violation of my consumer rights. The amount being collected is incorrect, and I dispute the validity of the debt as stated by the company. I was not properly notified about the alleged debt, which contradicts standard collection procedures. Despite reaching out to the company for clarification, I have not received sufficient evidence to support their claim. The collection agency has continued its efforts without verifying the legitimacy of the debt, causing unnecessary stress and potential harm to my credit report. I have maintained records that indicate the inaccuracy of the information being reported. I am seeking the CFPBs assistance in investigating this matter to ensure fair treatment and adherence to proper debt collection practices. I trust that your intervention will help resolve this issue and prevent future occurrences of such unlawful collection attempts. 

I was supposedly going to lease a unit at the site XX/XX/XXXX, however there is no indication of me visiting the site, gathering the keys or finalizing on any final decisions. I was never notified about anything correctly until I received a letter saying I had a week to dispute last year before XX/XX/XXXX. They also stated I moved in in XX/XX/XXXX last year which is false and continued to state I was told to move out leaving the lease early on XX/XX/XXXX. These dates dont add up or make sense. I have never gotten a notice proving any of the said events on the dates. 

Additionally, the person whom also supposedly leased to same unit as I, this information does not show on their credit report even though they never received keys or visited the site to obtain the unit. 

Below are attached images of different dates according to the debt being placed. Also false dates of move in and notice to move out. There is also the other residents XXXX XXXX report attached and its different than the one I was provided but were on the same lease supposedly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: PA

Complaint narrative:
On XX/XX/year> I applied to XXXX XXXX 360 Checking Online. I submitted the application for checking, and it sent a email almost immediately informing me I had been denied because ( EWS ) Early warning services LLC provided them with a score of XXXX based on information they had collected about me. I was told to call Early Warning Services LLC ( EWS ). I called and spoke with Early Warning Representative and submitted verification ( Picture of my driver 's license ) .She stated they she could NOT see any information or reason why you would have been giving a score indicating you were high risk. 

I let her know I'm " NOT '' High risk! And that I have NO knowledge of any negative activity on any account I have ever been associated with and that I have a excellent credit score. 

She told me she had NO information and that she will have them send out a report with all the information they have on you to your email. 

I've been unfairly and incorrectly categorized as HIGH RISK by ( EWS ) with a XXXX score which is preventing me from accessing the banking system I need to use to function and to comply with federal tax laws. 

I am NOT HIGH risk and I have NO knowledge of any reason why I would be deemed HIGH RISK and I was denied the account NOT for my own behavior but because ( EWS ) created a ( XXXX ) score and communicated to the banking system I was HIGH RISK when I'm NOT. 

It is an extremely negative ( And Untrue! ) score ( XXXX ) that is so severe that it is preventing me from opening a bank account and depositing my own money into! Even though I am being offered pre-approved for credit cards by XX/XX/XXXXXXXX, The same company that denied me on the banking side because of the ( EWS ) XXXX score that incorrectly categorizes me as HIGH RISK! 

( EWS ) is causing me a severe disruption to my personal life by communicating to the Banking sector I'm HIGH RISK ( When I'm NOT ) with a XXXX score without any explanation as to why I've been given that score or categorized HIGH RISK leaving me with no information that I could use to file a dispute their ( EWS ) inaccurate and incorrect score ( XXXX ) which has caused a very undeserved negative impact on my ability to function.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2025 XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing to formally dispute the unauthorized inquiry that appears on my credit report. According to 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, a credit report can only be accessed under specific and legally defined circumstances, such as with my explicit written consent or for permissible purposes under the law.

As outlined in 15 U.S.C. 1681b, accessing a consumers credit report without permissible purpose is a violation of federal law. This unauthorized inquiry has affected my credit score and may lead to further negative consequences if not corrected immediately.

In addition to 15 U.S.C. 1681b, this situation also violates several other federal laws designed to protect consumers, including : 15 U.S. Code 6801 : Protection of personal information 15 U.S. Code 6802 : Obligations regarding disclosure of personal information 15 U.S. Code 6803 : Disclosure of privacy policies 15 U.S. Code 1681e ( b ) : Accuracy of credit reports 15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports 18 U.S. Code 1028A : Aggravated identity theft Given these violations, I kindly request that Equifax investigate this matter and remove the unauthorized inquiry from my credit report. I have attached a copy of my photo ID and proof of address for verification purposes. Once the correction has been made, please provide me with an updated copy of my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-06 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The Company that placed me under collections does not have any form of forward flow agreement and chain of assignment towards me. While at the same time this company was placed under ban law by the federal government.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
Complaint Summary : Deceptive Lending and Collection Practices I purchased a XXXX XX/XX/XXXXon XX/XX/XXXX, from XXXX XXXX in XXXX, TX and financed it through Credit Acceptance Corporation. The loan terms were not properly disclosed to me, and I believe the loan was issued under predatory lending practices. 

Despite making payments for several years, the vehicle was repossessed in XXXX. Following the repossession, I received a collection letter from XXXX and XXXX in XX/XX/XXXX, stating that I owe a deficiency balance of {$10000.00}. This amount seems excessive, and I was not provided with a clear breakdown of how it was calculated. 

Issues with Credit Acceptance Corporation : Lack of Proper Disclosure : At the time of financing, the full loan terms were not clearly explained. 
Predatory Lending Practices : Credit Acceptance has been sued for unfair lending practices, and I believe my loan falls into this category.

Repossession & Deficiency Balance Concerns : I was not given a fair chance to settle the debt before repossession, and the deficiency balance appears inflated.

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 2025-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: WI

Complaint narrative:
I order hearing aids from XXXX XX/XX/XXXX they have a 45 day return policy. upond recieving the hearings aids i return within two days Tracking number XXXX usps this return was well within merchant return time frame, and product was return in orginal condition it was recieved has. I have filed two dispute with affrim and they claim both times I am still responsible for something I no longer have and was returned properly .I have tried contacted ultrahearing with out any luck, I call and just keep getting recordings no one is able to help me, and they wont respond to my messages via the support email. I will not pay for something i return well within the merchant time frame and in the same condition I received, They are just trying to jack me around and make me pay for something i returned., The date this was returned was XXXX XXXX, its in the amount of XXXX tried contacting the creditor, and merchant many time, they claim I didnt follow the return policy which I did

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-05 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: TX

Complaint narrative:
I was alarmed to find an unauthorized inquiry on my credit report today, and I have no explanation for its presence. I regularly check my credit report, and this unexpected issue has left me feeling both frustrated and concerned. I even tried refreshing my browser to rule out a system glitch, but the unauthorized inquiry persisted. This situation is unacceptable, and I need it fixed right away. I urge you to carefully examine the documents I provided so I can finally have peace of mind.

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 2025-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I need your help to investigate accounts from these companies that have reported late payments incorrectly. Upon reviewing my credit report, I found some accounts marked with late payments, which should not be the case. No late payment remarks should appear on these accounts.

Company response to consumer: Closed with non-monetary relief