vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I been trying to pay additional principal payment to mr cooper. 
The payments kept getting reverse so i chat with mr. cooper agent. 
The agent told me i need to call bank and see if there is any issue. 
I called my bank. The bank agent told me there is no issue. so I called mr copper. basically telling me to try again call got dropped so i try again to chat with differenct agent. same thing happened telling me to try again. 
I tried many times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Mr Cooper has NOT applied funds they received on XX/XX/23 from the NY Homeowners Assistance Fund to my mortgage. They did the same thing in XXXX of last year. Kept the money ( accruing interest for themselves ) and then sent it back to NY in XXXX of last year. It has been 8 months of my life trying to get this mess resolved. I have pages and pages of notes to both Mr Cooper and Homeowners Assistance Fund. The gross unprofessionalism and inefficiencies of Mr Cooper is unacceptable. It is truly a shame that we are all held XXXX to these companies. Mr Cooper has so many complaints on various sites including the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: GA

Complaint narrative:
Transunion has stated that the account was verified as accurate, which is not true! 

XXXX XXXX  XXXX XXXX On Monday, XX/XX/2023, the company of the above account, sent an email to my complaint and stated that they reported to the credit bureaus on XX/XX/2023, to delete the account due to fraud ( EMAIL ATTACHED ). HOW CAN THE ACCOUNT BE VERIFIED WITH Transunion, IF THE FURNISHER HAS STATED IT WAS DELETED?! YOUR CONSUMER REPORTING AGENCY HAS BEEN KNOWINGLY REPORTING INACCURATE INFORMATION FOR OVER TWO DESPITE MY REQUEST FOR DELETION AND HAS VIOLATED SO MANY LAWS WITH THEIR WILLFUL NEGLIGENCE & NON-COMPLIANCE!

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 2023-05-01 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: CT

Complaint narrative:
CFPB Writeup I sent a letter asking XXXX, TransUnion, and XXXX to investigate my accounts. Here is my tracking number : XXXX, XXXX, XXXX via USPS. It has been over 30 days. These consumer reporting agencies are in violation. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.

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 2023-05-01 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: CT

Complaint narrative:
CFPB Writeup I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my tracking number : XXXX, XXXX, XXXX via USPS. It has been over 30 days. These consumer reporting agencies are in violation. 

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted the collection agency located in XXXX, FL, via certified letter, informing them that this debt is a result of identity theft. I have also contacted XXXX and XXXX regarding this fraudulent debt. All the information I have on this company was provided by the aforementioned credit reporting agencies. I have not pulled my credit report from XXXX yet. According to XXXX this debt was reported XX/XX/2017 in the amount of {$4900.00}. It was written off/closed some time thereafter. I will absolutely not pay this debt. I did not open the account with the original creditor and I most certainly will not pay some collection agency in Florida. I will never pay this fraudulent debt. Not under any circumstances.

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 2023-05-01 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:
Account XXXX XXXX I have wrote a letter requesting VERIFIED proof of debt or proof of undertaking. 
XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Notice of Default and Opportunity to Cure XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Not respond I acquired my Credit Report and asked the credit bureaus to make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) Send A letter to Equifax XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX Equifax did not modify or remove anything their response was that this account was already verified Equifax is showing a last active date XX/XX/XXXX this account also shows as a charge off and sold to another company on XX/XX/XXXX by the FCRA the report has to be accurate, and this report is NOT accurate. 
Which is a violation. This is impacting from moving forward

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citibank account with XXXX XXXX at Citibank in XX/XX/2023. He set my residential address as XXXX like it had on my ID and my other address here in XXXX. Since then the fraud and customer service department has harassed me almost everyday by locking my account for no reason. I take uber to work 10 times a week and every Saturday and some morning they would claim XXXX as fraud and lock my account till I called and spent XXXX on the phone. This caused me to late work two times which resulted in my termination. Now they have completely frozen my account and will not let me into my checking account. It is XXXX and I am unable to pay rent which could result in an evictions. The emotional stress it has caused me after dealing with identity theft for two years caused me to nearly try and kill myself. The customer service number passes you around and keeps you on the phone for hours causing me to miss appointments and undue stress. They are holding a check but also locked my checking account which has left me completely penniless as I closed every bank I had to ensure I was reducing the threat against me from my identity thief. I am in absolute tears. I have XXXX XXXX cats and I do not know what to do with them if I am evicted. I just want my account money and to be able to be compensated for lost wages, late fees for rent and the stress this has caused me. If my friend had not been here I do not know what would have happened when I wanted to harm myself.

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 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I have contacted XXXX XXXX after the last response for the CFPB and I could not get anyone to respond to the offers stated in the previous complaints. Several months have passed and they have pursued a garnishment of my wages after attempting to settle the matter outside of court in numerous ways. I have been forced to discuss XXXX  XXXX options to aviod being garnished. I was told on XX/XX/23 that they will accept XXXX to settle, I am seeking assistance to resolve this matter with XXXX XXXX. I called several days in a row after the last coorespondence and no one would take my call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX XXXX XXXX XXXX  Ive reach out to both equifax and XXXX in regards to inquiries that I did not authorize in my credit report. Both via phone and Us Mail

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: CA

Complaint narrative:
Someone try to open many the credit card under my name. 
And balance past due XXXXXXXX XXXX is more than 30 day on XXXX, XXXX effect to my credit score go from XXXX score down XXXX. 
Multiple credit card inquiry happened since XX/XX/XXXX till now including XXXX XXXX  XXXX  XXXX, XXXX. 
Most of the inquiry is credit card inquiry.

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 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
I want to eliminate my escrow account. I willl pay property taxes and hazard insurance directly. 

This company messed up my monthly escrow payment last year and wants to me pay too much to correct it. I will pay the underage for last year and then want to py only principal and interest going forwards Company should be investigated for fraud.

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 2023-05-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX, I reached out to the capital one credit card customer service line to request a payment extension from the billing due date of XX/XX/XXXX to XX/XX/XXXX based upon my pay day is XX/XX/XXXX. When speaking with the first representative she advised that the request was declined and they do not offer payment extensions and they would not waive any late fees if fees incurred. I requested to speak with a supervisor. 

When speaking with the supervisor, i explained the situation and i was informed by the supervisor that if my payment was recieved on XX/XX/XXXX, there were no guarentees late fees could be waived. The supervisor wanted to transfer me again to another department to discuss waiving my fees along with amending my payment due dates. Prior to making a decision I requested for the supervisor to recap my concerns that was supposed to be noted to my account. The supervisor failed to recap the most important reason for my call is the payment extension of two days. I told the supervisor " I was now uncomfortable with this conversation because the purpose of my call was missed during the recap, and I need to begin recording this conversation. '' The supervisor told me I can not record our conversation as she does not give me permission to record and I asked the supervisor ( paraphrasing ) " why is she declining me recording her, well I decline her recording me during this call. ( Please be advised, I never recorded the supervisor ) The supervisor then says " I have warned you not to record me, you do whatever you got ta due. I am disconnecting this call. '' I advised the supervisor I will be filing a formal complaint with CFPB and she hung up on me. 

I have been a customer of Capital One since XX/XX/XXXX ( 5 years ) I have gone from having credit card being hacked, to late payments years ago. The purpose of my call was not to pay my bill at all, but to pay it 2 days later without incurring a penalty. 

The treatment I received during this call was uncalled for and disrespectful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a chase bank credit card account that is more than 7 years old from the first late payment shown on my credit report. wrong late first payment date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
in 2021 recorded assignments after 10 years. 

communicating with me trying to collect without owning the debt after 10 years of original lender assignments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/XXXX, I got an email from wells fargo about a transaction through XXXX  for {$330.00}. I did not make this transaction whatsoever and called my bank the moment I had the chance. 

I reported it for fraud and went through the process of making a new account password and username, as well as a new checking account where all of my leftover funds and pending tractions were put. Today, XX/XX/XXXX, I received a letter in the mail saying that my claim had been rejected as their research concluded that the transaction was authorized by me or someone else with my authority. 

I plan on calling regarding the documents that led to this decision but I have no clue to what to do. I did not authorize this XXXX  transaction whatsoever, the point of fraud is that someone is using your information without you knowing, is it not?

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 2023-05-01 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

XXXX XXXX XXXX XXXX : Bankruptcy XXXX XXXX  Reference XXXX XXXXXXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely, 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 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Block, Inc.
State: IL

Complaint narrative:
I contacted CashApp XX/XX/XXXX about a transaction that was pending for seven days. A few hours later I received six texts from them saying there was a banking error and additional funds were deducted from my account. My balance went from {$620.00} to {$490.00} for transactions that were showing completed in my account weeks earlier. I was also making deposits during this time. I have contacted them at least five times about this only to get scripted responses that doesnt address the issue. In addition, I have contacted them before because I had quite a few pending transactions that were over 60 days old.

Company response to consumer: Closed with explanation