vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
On XX/XX/2023, I received letter stating that Mr. Cooper filed a motion to foreclosure. I called the mortgage company, and they stated that I was current on all of my payments ; however, the mortgage company file the notice of foreclosure. They have not told me anything about how much I owe nor are they giving me a chance to save my home. In addition, I'm currently in bankruptcy and they are not talking to my attorney. Mr. Cooper is my mortgage company, and they are awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: GA

Complaint narrative:
I was denied my student loan because of a debt from the XXXX XXXX XXXX XXXX account that I did not open nor had any idea about. The account has already been sent to collections, and it is showing up as " unpaid '' on my XXXX credit report for {$2000.00}. The collections agency it's been sent to is " Best Service Company '' based in California. I can not receive my student loan until this is resolved, therefore preventing me from graduating. 

The only dates I have available are ( from the XXXX report ) : DATE ASSIGNED : XX/XX/XXXX ( I think that means the day it was opened but I am not sure ) TODAY XX/XX/XXXX : I filed a police report with XXXX Police Department online The {$2000.00} is still unpaid. The XXXX XXXX XXXX XXXX said that the case is out of their hands because the debt has already been sent to collections There was another account opened ( XXXX XXXXXXXX ), but I was able to get ahold of them and have them resolve the issue on Friday 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 2023-02-13 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
After reviewing my XXXX, XXXX, and XXXX credit reports ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

XXXX XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$19000.00} Apple Card/ GS Bank USA Acct XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX Amount {$2500.00} XXXX XXXX Acct # XXXX Opened XX/XX/XXXX Amount {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: BOEING EMPLOYEES' CREDIT UNION
State: GA

Complaint narrative:
After reviewing my XXXX, XXXX, and XXXX credit reports ( XXXX XXXX, XXXX XXXX, XXXX XXXX ) I have found inaccuracies. I am a victim of identity theft, so I have taken the steps of resolving this issue by filing a complaint with the listed creditors and Federal Trade Commission. 

Boeing Employees Credit Union Acct # XXXX Opened XX/XX/XXXX Amount {$19000.00} XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX Opened XX/XX/XXXX {$1000.00} XXXX XXXX XXXX  Acct XXXX XXXX Opened XX/XX/XXXX Amount {$1600.00} XXXX XXXX Acct XXXX XXXX XXXX XX/XX/XXXX Amount {$2500.00XXXX XXXX XXXX  Acct # XXXX Opened XX/XX/XXXX Amount {$3000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave these credit reporting agencies any written consent to report anything on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
My nephew purchased a vehicle in Alabama on XX/XX/2023. I reached out to Credit Acceptance Corporation, the finance company on XX/XX/2023, to make a formal complaint regarding the predatory practices regarding the purchase and loan. My nephew and I received both a telephone response and a letter on XX/XX/2023, after the company 's review of the complaint. In the letter, my nephew and I were told that the review showed that by signing the contract my nephew agreed to all statements listed within the contract. The issue with the loan contract was based on fraudulent information received from the car dealership where the car was purchased. First and foremost, my nephew did not have a valid driver 's license when purchasing the car which prohibited him from being able to obtain the insurance required for the loan. Second, the insurance listed on the loan application was provided by the dealership, XXXX XXXX XXXX XXXX, and, not my nephew. The salesman at XXXX XXXX XXXX XXXX called and secured a fraudulent quote from XXXX XXXX without my nephew 's approval. This information was then provided to Credit Acceptance Corporation as proof of insurance ( and inferred proof of driver 's license ). I sent Credit Acceptance Corporation a copy of the quote sent to me by the salesman with his handwritten notes regarding the insurance information. Credit Acceptance Corporation also reviewed this information and after their review telephoned me with their response stating that there was not enough information to discredit the car dealership and that my nephew must adhere to the signed loan contract. I continue to believe that this entire process was predatory and feel that XXXX XXXX XXXX XXXX and Credit Acceptance Corporation have engaged in dishonest practices and possible coordination.

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 2023-02-13 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: GA

Complaint narrative:
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.

And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. 
Accounts XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My complaint is against Wells Fargo, Home Mortgage. In XX/XX/XXXX, at the end of the forbearance period, I verbally requested the deferral option. XXXX has refused to grant me the deferral option I chose to exit the Covid forbearance period. I requested help from XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX  ), a HUD-certified housing counseling agency , and they wrote a letter of advocacy to Wells on my behalf. In the letter, XXXX pointed out that I could choose the exit option to the forbearance period. 
In the letter to Wells on my behalf, my HUD Certified Housing Counselor cited " NY Banking Law under Title 9X Mortgage Forbearance. " Senate Bill 8428 2020 N.Y. Laws 126, as a reason I should have been granted the deferral option. 
In response, XXXX seems to deliberately misrepresent my request for the forbearance exit with a request for delinquency assistance. They further stated without indicating a reason, that I was not eligible for a deferral as a forbearance exit. 
In XX/XX/XXXX, I resumed making payments based on my belief that the deferral option I asked for was in place. I noticed those payments did not appear to be applied to my current balance ; I sent XXXX my forbearance option request in writing on XX/XX/XXXX. In XX/XX/XXXX, XXXX returned my monthly payment, indicating that they would no l longer accept payments from me and that my home was now in foreclosure. 
I am filing this complaint as in a follow-up call XXXX seems to feel that a private owner of the loan has the right to deny the option I chose, and that right supersedes the law.

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 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
Dear TransUnion, I am writing to follow up on my dispute regarding the misleading information on your website and the unauthorized payment attempt on my credit card. I appreciate your response that you have received my dispute and that you will take 30 days to investigate. 

However, as stated by the Fair Debt Collection Practices Act ( FDCPA ), I have the right to demand a response within 30 days. I am requesting an immediate resolution of this dispute, as the misleading information on your website, the unauthorized payment attempt on my debit card, and personal information dispute have caused me great concern and inconvenience. 

I hope that TransUnion takes this matter seriously and takes immediate steps to resolve this issue. I have already submitted a complaint to the Consumer Financial Protection Bureau ( CFPB ), and I expect that TransUnion will take all necessary steps to rectify this situation as soon as possible. 

Thank you for your time and attention to this matter. I look forward to hearing back from you with an update on the resolution of this dispute. 

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 explanation
Consumer complaint received 2023-02-13 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I sent a letter on XXXX/XXXX/22 to JC Penney regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for Sychrony XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme XXXX. The payment history on my credit report does not reflect a late payment. Actually, the data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. Also, due to covid, I was on deferment so there should be no late reporting per FCRA. I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX noticed my bank account was overdrawn. I panicked and took {$9000.00} dollars from my savings account and transferred to my checking account. My checking account was now out of the overdrawn status. 
I then went to look at why this happened. I noticed fraudulent withdrawals made with a check.. then several checks in the amounts of {$4800.00} {$4900.00} {$4900.00} {$4900.00} These were not my charges or checks. I then went to Chase bank on community in XXXX XXXX Spoke with XXXX ( bank associate ). She stated that my account was frozen as per the bank for fraudulent checks written against my account. I was advised to come back to next day to reopen a new checking account ( which I did ) and that my frozen checking account is now under investigation. 
I now have opened a new account and do not have enough money to cover my bills. Chase bank will not give me a contact person or anyone to speak with. They just state that this account is under investigation and I will receive either a letter or my funds back. 
The situation from what I understand is : A person walked into the bank and withdrew money from my checking account, on 2 separate days, for a total of {$19000.00} dollars. The checks cleared I did notify the police and filed a report ( as instructed ) ( also called the credit bureau ) My case number with Chase is # XXXX. The number I have called with Chase Bank is XXXX XXXX XXXX ( I spoke with a person XXXX ) who would not allow me to speak with a supervisor nor give me her last name. All she would tell me is that this is under investigation. I feel helpless. 
I am currently under investigation as of Wednesday XX/XX/20XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-13 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: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act this creditor has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Global Lending Services LLC
State: IN

Complaint narrative:
I the consumer and natural person was denied line of credit by Global Lending when I submitted a consumer credit application to obtain a vehicle which is a violation of cfr 1002. Adverse action against a consumer is against the law according to the Equal Credit Opportunity Act which is codified 15 u.s.c 1691c and is pursuant to civil liability under 15 u.s.c 1692k. I have proof that I was discriminated against due to your letter that was sent 1/3/23 which makes you criminally liable for violating 15 u.s.c 1691. Furthermore, my social security card ( credit card ) was used, and I received NO BENEFIT which is proof of fraudulent activity on behalf of Global Lending. If Global Lending fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Global Lending criminally and civilly liable for all actual damages pursuant to 15 u.s.c 1681n and 15 u.s.c 1681o. Without Prejudice All Natural Inalienable Rights Reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: AL

Complaint narrative:
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.

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 2023-02-13 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: AL

Complaint narrative:
I have reached out to this company no less than three times. They have failed to provide proper validation, and continue to report the account in error. Account number is reported with symbols. Account status is not in compliance. It has not been 12 months since the original date of service. This is considered a HIPAA violation, as I gave neither party permission to share my medical records. Surprise billing act has also been violated.

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 2023-02-13 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: VA

Complaint narrative:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

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 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I received a cashier 's check from Navy Federal Credit Union on XX/XX/23 in the amount of {$28000.00} for goods and services of mine from an individual. I reached out to NFCU to confirm the validity of the check the next day to confirm the funds were good. I spoke with one of their representatives at XXXX and they confirmed with me the check serial number, the date of the check, the amount and that the funds were good. As such, I proceeded with the transaction and deposited the funded into my personal bank, XXXX XXXX. 

Two days later, XXXX/XXXX/23, I receive a notice from XXXX that my deposited funds were being withdraws due to the fact that they couldn't locate the origination of the check. 

I called NFCU back to once again on XXXX/XXXX/23 at XXXX to confirm the validity of the check. This time the person I spoke with confirmed that they serial number was one of theirs, but that the amount and date were incorrect and therefore the funds weren't available. I was transferred to a supervisor who was able to pull up the recording of my original call. They simply said that the representative made a 'human error ' and they would take it up internally with their supervisor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation