vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
We submitted an assumption packet on XXXX XXXX, XXXX. The buyers called and verified all the documents required were recieved. Mr. Cooper confirmed this request. Then I called Mr. Cooper to verify they had all the documents. They also confirmed this. We waited for a response from them and periodically called to get updates from them with no success. After almost a month, XX/XX/2024, the buyer called and received word that Mr. Cooper closed the assumption case and stated they didn't have all the required documents. We verified on multiple instances over the month and they refused to notify us of any issues. They refuse to reach out to us for any information as well. They reopened the case shortly after on XX/XX/2024. I called back today XX/XX/2024 because they told me no updates would be provided until XXXX business days after the request was submitted. I found out they never sent the required documents for the process in the first place and never tried to correct the issue in the process. Now they are telling me the standard process takes XXXX months but, they are not staffed to handle the current workload in the assumptions department so expect XXXX  months. Something needs to be done about this because it is completely unrealistic to expect the sale of a home to take this long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my 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 explanation
Consumer complaint received 2024-03-18 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: MS

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my 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 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I paid off my mortgage loan to XXXX XXXX Mortgage ( XXXX ) on XX/XX/year> when I learned they were transferring mortgages to XXXX XXXX-a company with a poor reputation according to consumer comments. The transfer between XXXX and Mr. Cooper occurred on XX/XX/year> which was XXXX days after my loan was paid off. The amount paid off to XXXX was {$46000.00}. I contacted Mr. Cooper frontline employees on XX/XX/year> and XX/XX/year>. They were unable to assist me with backing out my information on their end after I told them my loan was paid off. Mr. Cooper 's own documentation says they relied on information from XX/XX/year> which is now well over XXXX days old. They sent me a bill requesting payment by XX/XX/year> which was unpostmarked. I did not receive the bill until XX/XX/year>. I did not pay it because my loan is paid off. When I could not get any relief by phone and they sent me a bill, I sent a certified letter on XX/XX/year> asking Mr. Cooper to cease and desist. I requested a document from them that states I have been removed from their system and I DO NOT owe them any money. I am extremely worried they will damage my credit rating which is exceptional. What they are doing is fraudulent in my opinion. I even received a notice from XXXX ( credit monitoring ) over the weekend that indicates the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Are all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act 1974. XXXX XXXX two accounts are reported as charged off which are considered income and income is not legally reported to my 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 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XXXX XXXX {$180.00}. I called and ask to verify was talk to very rude and gave the run around about the debt. No one could tell me any info

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I use the card to take advantage of airline miles. I only have the annual fee charged to the credit card account. It has been set up to automatically pay the annual fee ( {$95.00} this year ) from an external bank on XX/XX/2024 ( this year ) as it has done so for several years without a problem. This year it did not automatically pay as expected and I was assessed a late fee. 

I called them as soon as I noticed the bill hadn't been paid which was XX/XX/XXXX. They said I should have had bill pay set up from the external bank. I told them that was a change to the process I was not aware of. 

XX/XX/XXXX I called them back for more clarification to no avail. They instructed me to set up bill pay on the external bank. I called the external bank and they said I didn't have bill pay set up currently or in the past XXXX years that it had been paid automatically. 

If I'm right and I think I am, I got dinged a late payment fee for no fault of my own.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX Child Support has been illegally and Inaccurately reporting on my credit file for over XXXX years. They have been misrepresenting the amount they are reporting and the they Keep constinously changing the open date and the status of the account.. This has gone on for way too long and it has to stop NOW. 

1. How is the open date now reporting as XXXX, but you have reports of amounts from way back in XXXX which it goes even back to XXXX They miss represent to account as reporting as charge off every 6 months but I reporting NO payment history I am now Disputing the completeness and Accuracy of this total account from when it was first opened and current status

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account Number : XXXX - XXXX XXXXXXXX - Account Number : XXXX - XXXX XXXX  - Account Number : XXXX - XXXX XXXX  XXXX - Account Number : XXXX - XXXX XXXX - Account Number : XXXX - XXXX - Account Number : XXXX - XXXXXXXX XXXX  - Account Number : 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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX  Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am writing to file a formal complaint regarding an unauthorized withdrawal from my account at the Wells Fargo Bank branch located on XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 

On Saturday, XX/XX/year>, at approximately XXXX XXXX  I deposited a sum of money totaling {$4900.00} into my account at the aforementioned bank. The deposit consisted of loose currency amounting to {$450.00} and strapped currency totaling {$4500.00}, as evidenced by the receipt I received from the bank. Later that same afternoon, I received a call from the bank claiming there was an error of {$2700.00} and was asked to visit the branch on Monday. Subsequently, on Monday, XX/XX/year>, at XXXX XXXX, I received an email update from Wells Fargo stating that my account balance was accurate as of XX/XX/year>, with the amount showing as {$4900.00}. 

Upon visiting the branch on Monday, XX/XX/XXXX, I was informed by the XXXX that an error had been discovered, and they would need to deduct the amount from my account. Despite my insistence that the amount deposited was correct and they had been counted in front of me by the banker, the XXXX proceeded with her claim that the error is saying otherwise. 

I requested proof of the alleged error, but I was denied access to any evidence supporting their claim. Consequently, on XX/XX/year>, without my authorization, the bank deducted {$2700.00} from my savings account, leaving it with a negative balance. 

I am hereby requesting that your office conduct a thorough investigation into this matter. Specifically, I ask that you review the surveillance footage from the time of my deposit to verify the accuracy of my claims. I firmly believe that a review of the footage will confirm that I did indeed make the deposit as stated on my receipt. 

I am asking kindly for this matter to be investigated because this is not the first time this bank makes these types of claims.

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account Number : XXXX. XXXX XXXX Account Number : XXXX XXXXXXXX Account Number : XXXX XXXX Account Number : 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 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Ive requested the XXXX that is to be sent to the consumer once a debt has been charged off. Unfortunately, I havent received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank locked my account over XXXX  days without emailing or calling me. Due to which I incurred loss of over {$1900.00}, since the withdrawal failed even though I had the money in the account. Due to which realized loss was over XXXX or more. 

However, I reached out to bank several times and they said its under review and we can not give you any info and she read some document verbiage saying the same XXXX  and hung up on me without me saying a word or anything so unprofessional. You can verify this on there phone recording. Cant believe it how they are even in business. I am not even sure how is this legal to hold your money and hung up on you. Call was transferred to 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 monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt

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 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im XXXX business days of receipt

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