vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My loan was sold to Mr. Cooper on XX/XX/year>. I received a letter prior to this date saying that my automatic payments would continue and they did not. I paid my first mortgage payment on XX/XX/year>. On XX/XX/year>, Mr. Cooper received a payment request from my insurance company. They said they sent a check on XX/XX/year>, but my insurance agency called me on XX/XX/year> saying that my insurance company did not receive my payment. I tried calling Mr. Cooper several times and ended up in circular automated call systems without reaching a person on the phone. 

Finally on XX/XX/year> I received a letter from my home insurance company saying that my policy had lapsed ( dated XX/XX/year> ). On XX/XX/year>, I called Mr. Cooper again- they gave me a check number for the check sent to my insurance. I called my insurance and they said they never received said check, and suggested I call Mr. Cooper to ask if it had been deposited. They said they didn't know (!!! ) and I asked if I could just submit the insurance payment myself and cancel escrow. An agent from Mr. Cooper finally suggested that they could cancel the check and overnight a new check to my home insurance company for payment. Unfortunately, my escrow account has a negative balance and I have to wait 24-48 hours for the balance to clear before I can start the escrow cancellation process ( which can take up to 2 weeks ). 

I am very disappointed with the way Mr. Cooper handled my loan payments when it took it over as well as with how it handled my escrow situation. The thing that has been the most frustrating is how difficult Mr. Cooper 's phone system is to navigate. TIP : if you say " Payment issue '' you can reach a representative who will forward your call to the correct department.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX  sent my account to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX said they Resent the collections back to XXXX XXXXXXXX XXXX  on XX/XX/XXXX. 

Also call XXXX XXXX XXXX in regards to the issue back in XXXX that this all sudden came about to the debt XXXX XXXX XXXX said is {$1300.00} after XXXX  years. 

No Notice from XXXX XXXX XXXX  in all these years.

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 2024-06-11 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: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXXXXXX XXXX  sent my account to Jefferson Capital Systems XXXX at XXXX XXXX XXXX XXXX XXXX, MN XXXX Jefferson Capital said they Resent the collections back to XXXX XXXXXXXX XXXX  on XX/XX/XXXX. 

Also call XXXX XXXX XXXX in regards to the issue back in XXXX that this all sudden came about to the debt first premier bank said is {$1300.00} after XXXX  years. 

No Notice from XXXX XXXX XXXX in all these years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have no information on this account. I am unsure if this account belongs to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: OR

Complaint narrative:
NOTICE TO DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trans Union XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Consumer Complaint XXXX XXXX XXXX XXXX, Oregon XXXX Date : XX/XX/XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : XXXX XXXX XXXX XXXX XXXX  Account Number : : # XXXX Account # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 



Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. 
CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report. 
Thank you, 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 2024-06-11 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
It is a Paypal acct. and I can not get any information as they do not show a debt for me. The collection agency and XXXX are not able to do anything for me it seems. I am trying to get a credit report from XXXX to show that I did not have this debt and my husband was alive and our credit was impeccable. Unbelievable this can happen!!

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 2024-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: FISERV FINXACT CORE
State: MI

Complaint narrative:
PLEASE PROVIDE APPROVED CLAIM FOR THE SUFFERING FORCED UPON ME BY CORRUPT ATTORNEY XXXX XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX LOAN XXXX AND SCAM XXXX XXXX XXXX AND FISERV. PLEASE REVIEW ALL DOCUMENTS AND PAY OUT CLAIM OR I WILL SUIT YOU.

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 2024-06-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  

inquiries not mine not authorized

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 2024-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
An account is furnished on my credit report. Without the original creditor. I am confused about who this debt belongs to or what this debt is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Someone got ahold of my information years ago and I reported identity theft years ago. I have inquires on my report that I did not authorize. They are as followed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
MTB advertised a {$400.00} publicly available sign up bonus for their MyChecking product. I saw that advertisement and followed the steps to set up a new checking account. The terms required I set up direct deposit and deposit {$1000.00}, which I immediately followed. I also was subject to high average balance requirements and monthly fees and informed per the terms I must keep the account open at least XXXX months to avoid the bonus being rescinded. XXXX days after satisfying the terms I have not received the bonus. Upon inquiry, the customer service rep informed me that the bonus is a special non-transferrable promotion, but that does not make sense because MTB 's own website promoted the {$400.00} bonus.

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 2024-06-11 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: TX

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible.

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 2024-06-11 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am a hardworking individual who has been diligently paying my accounts on time for quite some time. However, upon reviewing my credit report, I discovered several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it became evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledged the error and assured me that the inaccurate late payments would be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings. NAVY FCU - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 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: BYS, LLC. d/b/a Boost Your Score
State: PA

Complaint narrative:
On XX/XX/year> I paid XXXX to XXXX it shows on the system it was taken. XX/XX/year> SO today I received an email saying I'm delinquent. This program started on XX/XX/year> & the payment wasn't due until the XXXX. I tried to pay it early no the payment only comes of on that day. I had the funds available it was taken. So for me to get an email saying I didn't pay unacceptable. XXXX by them doing that push my credit score down. Now why would I sign up for a credit boost to allow the company to say I defaulted on a installment loan that I can even used the money or card until after XXXX payment. So they are getting over on me the consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> at XXXXXXXX XXXX  service of a court summons was delivered to a listed address and received by a third person not the AFFIANT. The summons was a complaint brought against the AFFIANT by JPMORGAN CHASE BANK N.A., and through the Debt Collector XXXX, XXXX, XXXX, & XXXX, XXXX. Debt Collector is also acting as counsel for JPMORGAN CHASE BANK N.A. Located at the footer of the court documents is the common clause, " This COMMUNICATION IS FROM A DEBT COLLECTOR AND IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE ''. The AFFIANT never received any Notice of Assignment prior to this cause of action from the alleged creditor or the Debt Collector XXXX, XXXX, XXXX, & XXXX, XXXX. The AFFIANT also researched if the Debt Collector XXXX, XXXX, XXXX, & XXXX, XXXX is licensed to collect debt in the state of Florida which yielded negative results. The Debt Collector used deceptive, and unfair debt collection practices by not affording the AFFIANT to dispute this alleged Debt. The Debt Collector sought remedy directly through State Courts. The debt collector continues to Abuse the AFFIANT with its continuance of legal pleadings, causing prospective jobs to be lost ( unemployed ), martial instability due to time and effort placed on AFFIANT to defend in court pleadings. Individual privacy because the Court is public and records can be shown. Numerous letters from 3rd party law firms persistently filled the consumers mail box relating to this alleged debt. XXXX, XXXX, XXXX. & XXXX, XXXX has violated 15 USC 1692 ( FAIR DEBT COLLECTION PRACTICES ACT ), Public Law 95-109 802 et al. It is presumed that the unfair advantage placed on this AFFIANT/Consumer by XXXX, XXXX, XXXX, XXXX XXXX, XXXX has most certainly affected many others, and should be resolved in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-11 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: FL

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-06-11 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:
I filed a complait to the credit bureaus regarding inaccurate report on my credit file. Please help me to dissiminate my complaint to them.

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 2024-06-11 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I filed a complait to the credit bureaus regarding inaccurate report on my credit file. Please help me to dissiminate my complaint to them.

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 2024-06-11 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2024-06-11 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: EQUIFAX, INC.
State: PA

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXXXXXX # XXXX, Account Name : XXXX # XXXX, has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief