vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I recently had my loan transferred from XXXX to Mr. Cooper. Mr. Cooper was to process my first mortgage payment on XX/XX/XXXX. I have since submitted several payments to them via both their online portal ( mrcooper.com ) and via phone on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each one of these payments has been reversed for seemingly no reason. When I contacted Mr. Cooper, their representative informed me the reversal was due to " insufficient funds. '' However, when I checked with my bank ( XXXX XXXX ), they informed me that was not the case and that they hadn't negated any payment from going through to them. At this juncture, I have also been charged late fees and payment reversal fees from Mr. Cooper resulting in a total of {$120.00}. I feel that being penalized for their grueling incompetence is absolutely absurd. 

I have reached out to Mr. Cooper several times, as well, and have yet to receive a response or a solution to my issue. I have reached out to them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I am beginning to worry that their inability to process my payment may negatively impact my credit score and potentially lead to other economic issues in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which are permanently closed under management of XXXX XXXX XXXX. The fraud started with XXXX XXXX who was the leader committing fraud with my children 's and I identity. When I asked er about entrance to apartment she resigned. They also submitted false evictions an loan debt to my credit report XX/XX/XXXX. They also had illegals living in complex who were entering my apartment stealing documents and spying on me and my 3 girls. They also had an underground basement where the dishwasher sat. They had the home wired with something where they knew our whereabouts. Invasion of our human rights. They switched out my XXXX XXXX hhr between XXXX and XX/XX/XXXX with a like model with XXXX parts. I have a 1099 to prove it. I kept going to round rock police department and they spoke to me like I was crazy. It made me feel they had something to do with it. When I attempted to get an attorney the intruders entered apartment and destroyed evidence. They made threats to my life and it is led to believe they tried to abduct my teenage girls for trafficking.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXXXXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ). I need to report XXXX for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late, but their records are incorrect. Ive contact the company & requested verifiable proof and they have failed to provide with any verifiable documents. They have failed to comply with FCRA section 611 & are willful noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: CA

Complaint narrative:
The chase bank deposit my money with my Prison I'd and ss # card then each time I use card they locked my card .Then had me go into bank with two firms of Id I took my Prison Id and bank card, social security card and 2 addressed letters from county and state.where as the bank won't except prison Id to verify that I was me .So they said they were closing my account and I asked them what happened on 2 payments they were supposed to have paid which they hadn't.The cancelled the electric bill payment for {$1000.00} The another {$1000.00} that was supposed to be cleared on XX/XX/22 which never showed up on card yet was took from account on both cases.Now they said they would close my account and I would receive a check in the mail with in 5 business days XXXX my account was closed but here it is XX/XX/22 and I've not received my money.Chase Bank has caused me a large problem, with electric company and landlord and my mom passed away in AK.last week and I couldn't get there dew to the bank locking me out .Now my landlord is ready to evict me and power company is turning off my power.Food going to go bad I'm going to be homeless but the bank doesn't care about that .I 'm stressed out and it's causing me illness XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, consumer, am a natural person who regularly extends, renews, or continues credit and who regularly arranges for the extension, renewal, or continuation of credit, otherwise original creditor. See Equal Credit Opportunity Act ( ECOA ) XXXX XXXX XXXX was advised to cease communication with third parties and 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( i ) and ( B ) Failed to omit EXCLUSIONS as refusal to comply with state and federal consumer protection laws and continues to update disputed consumer reports as authorized as aggravated identity theft as otherwise a 15 U.S. Code 1 breach of trust No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person ; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness see Florida Statute 540.08.

Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 and XX/XX/2021 I sent letters requesting that all the inaccurate addresses, phone numbers and names be removed from my credit file, i also sent proof of my address and the name by sending a recent utility bill, a copy of my drivers license with my address on it and a copy of my social security card. 
Experian DID NOT remove any of the inaccuracies from my credit report nor did they respond to my 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 2022-02-16 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX 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 non-monetary relief
Consumer complaint received 2022-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
My account with CAPITAL ONE AUTO FINANCE was opened on XX/XX/2014. My Account Number begins with XXXX... 

The account WAS PAID IN FULL! However, my credit report shows the status as " Discharged through Bankruptcy XXXX XXXX. '' This is VERY FRUSTRATING as I PAID THE ACCOUNT IN FULL AFTER MY BANKRUPTCY!! I have the title to the vehicle in my hands today! 

I've asked CAPITAL ONE AUTO FINANCE to update the status of this loan on my Credit Report, but they absolutely do NOT CARE!!! 

PLEASE DO NOT EVER USE CAPITAL ONE AUTO FINANCE... THEY ARE TOTAL CROOKS!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Recently, I XXXX XXXX was denied an extension of credit by Capital One in XXXX of 2022 I submitted a credit limit increase, I applied for Credit As you XXXX be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). Captial One Bank has violated my federally protected consumer rights : 1. 15 U.S Code 1642- No credit card shall be issued except in response to a request or application, therefore. This prohibition does not apply to the issuance of a credit card in renewal of, or in substitution for, an accepted credit card.

2. 15 U.S Code 1681M 3. 12 CFR 1002- A refusal to grant credit in substantially the amount or on substantially the terms requested in an application unless the creditor makes a counteroffer ( to grant credit in a different amount or on other terms ) and the applicant uses or expressly accepts the credit offered 4. 15 U.S. Code 1691-It shall be unlawful for any creditor to discriminate against any applicant with respect to any aspect of a credit transaction. 

Since the letter, you sent me dated XX/XX/2022 account ending in XXXX is both proof and evidence that I have been discriminated against, you are also criminally liable. Capital One should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 
Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations. 

BEST, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX XXXX ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the XXXXredit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX  ) is reporting on my personal credit file with Equifax, XXXX, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I received your response in my complaint # XXXX and Im the one who submitted a complaint on XX/XX/2022. This account ( XXXX ) is reporting on my personal credit file with XXXX, TransUnion, XXXX ( Credit Reporting Agencies ) .This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting this account without permission and that is 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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: AC AutoPay LLC, Denver, CO Branch
State: FL

Complaint narrative:
On XX/XX/XXXX I received communication from XXXX, from AutoPay.com about the loan request I submitted. I gave him the information he needed ( license, mileage, etc ) and he ran really fast through what needed to happen. He stated all the " add-ons '' that they offer, and that he'll get back to me once he gets approval to discuss my options. He was in constant communication with me, asking if I had time to talk via text. If I texted him, he responded shortly after. There was never any real delay in our conversation. 

He told me I was approved. Once he emailed me the terms and details, he very quickly contacted me again. I looked over the email he sent. It had every single thing added onto it that he could have added on. None of these were discussed with me. I told him I wanted nothing extra and I only wanted to refinance what I currently owe to my bank. He sounded frustrated and said he'll have to have the contract re-drawn. Something that wouldn't have had to happen if he had ever asked me what I wanted to add on if anything. But he clearly didn't care about that, he just wanted a commission, because that phone call was the last I ever heard from him. I sent him two texts and an e-mail since then. It's been 8 days since I've heard from him so far. 

The fact that he rushed through everything and was extremely communicative and " friendly '' up until he saw I wasn't going to just sign the documents without reading them, shows he was being fraudulent. 

I recently got a letter in the mail saying I wasn't actually approved, yet a contract was drawn up, with the amount and monthly payments that I only had to sign to begin? This is straight-up fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My account with XXXX XXXX XXXX XXXX was opened on XX/XX/2014. My Account Number begins with XXXX... 

The account WAS PAID IN FULL! However, my credit report shows the status as " Discharged through Bankruptcy XXXX XXXX. '' This is VERY FRUSTRATING as I PAID THE ACCOUNT IN FULL AFTER MY BANKRUPTCY!! I have the title to the vehicle in my hands today! 

I've asked XXXX XXXX XXXX XXXX  to update the status of this loan on my Credit Report, but they absolutely do NOT CARE!!! 

PLEASE DO NOT EVER USE XXXX XXXX XXXX XXXX... THEY ARE TOTAL CROOKS!

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