vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
As in My original complaint, I requested that Our additional principal amount of {$100.00} per week be applied to Our payments as principal, after Our original complaint was closed the company began to take our payment and apply as monthly payments again. How Much Time Do We Have To Respond After Our Complaint has been submitted or a request for a response or further communication before the claim will be closed? I have been block from accessing my online account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TX

Complaint narrative:
I am requesting that Experian and XXXX remove the account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX from my credit report. Please see the attached debt validation letter that was sent to the collection agency 2 months ago. Also, please find attached the original creditor statement verifying that they could not find an account with my name and the account number reporting. They also mentioned another collection agency as the owner of the account and a different balance. XXXX has since removed this account. Due to negligence and many FCRA and FDCPA violations I am demanding that this account is removed within 7 days. Please see the attached letters which are dated and time stamped for your records.

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 2023-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: IA

Complaint narrative:
I ran out of room to write this on the screen prior. I used XXXX XXXX XXXX XXXX XXXX to spray my lawn and paid them up front for the entire year. They left an invoice each time showing what they did and what it costs but which I always pitched because I paid the whole year in advance. They showed up the following year and sprayed my lawn again and left a bill. I called right away and told them I didn't want my lawn sprayed by them again because I wasn't happy with the way it looked after being treated of a year. I explained to them that I didn't sign into any agreement with them to do my yard again and have no standing contract with them. The salesperson I spoke with screamed at me on the phone so I hung up and wrote a letter to XXXX XXXX XXXX XXXX  and this was the last I heard until receiving a debt collection notice for {$47.00} today XX/XX/25. I don't understand how someone can attempt to collect something I didn't ask for or have a signed agreement ahead of time as a promise to pay so I was very surprised by the letter and I certainly don't feel I owe this company anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am applying for car loan was told credit card was on my credit. Did not apply for card & was opened without my knowledge.

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 2023-09-26 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: EQUIFAX, INC.
State: NE

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC
State: MO

Complaint narrative:
Have received 8 calls in 3 days. They have also started calling my references asking for me. Called them and made a payment.

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 2023-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Barton Law Group, LLC
State: MO

Complaint narrative:
I have been attempting to get a refund from The Barton Law Group for an overpaid garnishment. The debt collector was paid in full by payroll deductions in the amount of {$1000.00}. The original judgement was issued on XX/XX/XXXX. The first payment of XXXX was deducted from my pay on XXXXThe final payment was made on XX/XX/XXXX in the amount of XXXX. The creditor submitted another judgment for XXXX more payment on XX/XX/XXXX. The amount of the judgment was {$150.00} and was deducted from my pay. I have called The Barton Law Group for a resolution several times. On XX/XX/XXXX, my employer obtained a copy of the check, from XXXX, that was deposited into The Barton Law Group 's bank account. My employer, also, sent a copy of the check to XXXX at The Barton Law Group on XX/XX/XXXX by email. I have been told by representatives at the The Barton Law Group that they need to submit the information to their finance department because my informationwas not on the check. However, they still deposited the check. I'm still waiting on the refund or a follow-up from the debt collector.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: GA

Complaint narrative:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
They hit my credit score XXXX  dropped it by 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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
They hit my credit score snd dropped it by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names/ Numbers XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

I didnt open these accounts!

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 2023-09-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account names/ Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

I didnt open these accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Fraudulent information appears on my consumer credit report due to identity theft.

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 2023-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
After two years Bank of America still havent returned the funds that was mistakenly deposited into my account and was supposed to go into my business account, today XXXX XXXX I just found out today that Bank of America is still holding {$25000.00} of the SBAs money and will not return it! After I was informed by them back on XXXX XXXX that they were waiting on SBA to inform them what they wanted them to do with the funds! But the SBA informed me they never received any information from Bank America on this matter of them holding the funds XX/XX/2023! All I wanted them to do was give the {$25000.00} back that is it! What is so hard about this it was a small mistake of wrongful account numbers which both account numbers are mind but they closed my checking account with bank America because they thought I was trying to commit fraud! Which wasnt the case I am not a criminal I worked hard for everything I have and own! This mistake has went on too long! I thought this was over two years ago but Bank of America refused to return funds that do not belong to them please return the {$25000.00} back to the SBA! That is all I want I encourage you to stop this madness! I reported this matter before and nothing was done! I want this matter resolved 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 monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I have been attempting to call their call center to add an e-mail or phone number to my already existing neltnet account so that I can access my nelnet because I forgot my username and password years ago. I am told the only way to add multifactor authentication to reset my password or recover my username is by calling them. Every time I call it either hangs up and says the call center is experiencing too many calls or its closed even though I call during the operational hours that they list on their Nelnet Website. I am beyond frustrated. I applied for the save program nearly a month ago but apparently Nelnet is not accepting the application or approving it for some stupid reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: CA

Complaint narrative:
The company offered me 3 months on time payment s then they would send the fha paperwork to put the fha forgiveness for Covid in the back of the loan. So I paid 3 on time payment s and the paperwork never came. Everytime I call midland Representative they say just wait. Yesterday I got a bill for XXXX and it gave me to XX/XX/XXXX to pay the XXXX. I have been paying. When I call customer service no one knows whats going on. Its making me nervous and XXXX, I got 2 XXXX  kids and an elderly mother depending on me. I cant sleep at night. Please help me and get to the bottom of this I will be grateful.

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 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Trans union didnt take a account off 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 2023-09-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I was told verbally by Navy Federal Loan officer XXXX after he viewed my credit report that I would qualify for a HELOC/refinance I applied for with Navy Federal . As such I did not go to other lenders during the two week period when multiple credit pulls from mortgage lenders do NOT affect your credit. 

I have a credit score of XXXX, been at my job for 22 years, and have no debt except for my mortgage, my income was XXXX and I still received notification that I did not qualify because of " excessive obligation in relation to income ''. Yet according to XXXX my debt to Income ratio was acceptable and within guidelines of a loan I was applying for with Navy Federal. This is contradictory by nature and leads me to believe there are other reasons for the denial. 

The loan XXXX XXXX did state to me that the loan package that he put in the first time was not complete due to his part, however he assured me he would put the loan package through again. I am left with a lower credit score because of the credit pull performed by Navy Federal due to a incomplete loan package or other reason I would like to be determined by this agency or court appointed agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently spoke with Experian 's Special Handling Department and inquired about whether the reporting creditor had provided them with proof of ownership in regards to a dispute involving a business account that's being reported on my personal credit profile, despite my lack of responsibility for it, as well as a collection account that I have no knowledge of and have never had an account with that creditor at that address. To my surprise, I was informed that they do not typically request documentation for validation ; instead, they rely solely on a response from the creditor, deeming it valid. I then raised the crucial question : How does this process guarantee the accuracy of the reported account information? 

In response, I was simply informed about their operational procedures and advised that if I wished to challenge the accuracy, I would need to request this information directly from the creditor. Otherwise, Experian would continue reporting the inaccurate information. I emphasized that I had already included a letter from the creditor validating the inaccuracy of the information. 

In light of this, they mentioned reopening the request, but cautioned that if the creditor once again responds with a validation, Experian would continue to report what the creditor wishes, leaving me with no recourse but to contact the creditor directly to dispute the information.

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 2023-09-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I got behind with payments on a loan with Tower Loan back in XX/XX/XXXX. In XXXX the company hired a law firm which petitioned the court to grant a judgement against me for the amount due on the loan and attorney fees for the firm who petitioned the court on their behalf. I reached out to the company when I received the court summons on XX/XX/XXXX. I was told to contact their lawyer. A week later a worker called me and asked me to pay what I can on the account. I was told they were not going to sue me. On XXXX XXXX I made a payment of XXXX. On my receipt given {$2500.00} is listed in the balance area. On XXXX XXXX I made another payment of {$500.00}. I was given a receipt, but no balance was given on the receipt. I explained that on the previous month when I made a payment that the person gave me a receipt and a balance was noted. The worker said they don't do that if their lawyer is handling the account. I told her that the person who took my payment previously was the other worker who was in the office currently with her. She said that was the branch manager. She said they aren't supposed to put a balance on my receipt. I keep getting told to contact their attorney. If the petitioned never went before a judge and they chose to let pay what I can why am I not getting a current balance on the actual loan. The interest on the loan is extremely high at 35.56 %. I have actually paid the amount borrowed and more than that. This company is operating under fraudulent terms. How is a company receiving money for payments on a loan but doesn't provide a balance? This company is also constantly calling after I've repeatedly told them that I can't receive calls while at work. The company calls from numerous numbers. The workers are very rude. I was given a check of {$420.00} in XXXX. I didn't fall behind on payments until about XX/XX/XXXX. How is it the law firm is petitioning for over {$3000.00}?

Company response to consumer: Closed with explanation