vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
7 days ago my point of contact of Mr. Cooper contacted me regarding extension of forebearance, she said she is going to submit a request to extend the forebearance and will get back to me shortly. 

Its been 7 days and I haven't heard back from her. XXXX has arrived and this is the time Mr. Cooper asked me to contact them regarding making my payments otherwise my account will go in default. 

I called Mr. Cooper today, first of all it takes a lot of time to reach an agent, when I reach an agent they speak in XXXX  english, I made a call at XXXX XXXX  PST time, the agent wasn't paying attention to what I was saying and her attention was somewhere else. 

The agent asked me 10 questions to verify my account and then was taking me for granted, not paying attention to what I was saying. 

It was really hard to understand her as she was speaking in Italian english. 

We are calling regarding serious mortgage issues here and the customer service agents behave as if we are calling in a XXXX bar, there is no sense of seriousness here. 

I asked her to transfer me to some other agent, she just placed me on hold and from last 10 minutes I am still on hold. 

Why Mr. Cooper has provided me a point of contact, when I can not leave her a voicemail, email her and can not reach her? She is not reachable at all. 

Mr. Cooper is complete mismanaged company. 

They need to take their customers more seriously, rather than taking them for granted and treating them as they are no body. 

everytime I have to come here and make a complaint to CFPB or contact XXXX, why I can not resolve my issues or concerns directly with Mr. Cooper. 

And why they have to ask million questions to verify my account And why they don't have agents who can not speak proper english?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
Consumers are provided the opportunity to freely dispute inaccuracies on their credit reports as reported by creditors without retaliation. On XX/XX/2021 I reviewed my XXXX credit bureau and noticed that HSBC Bank USA, N.A had incorrectly reported my balance due on my open card ending XXXX. I submitted a request for an online investigation via the portal of XXXX 's Credit Dispute system. After carrying a balance on my account for ~6 months and making monthly payments, often in excess of the monthly minimum payment due, I paid the entire balance off in full. I also paid the balance of ALL my other credit cards off at the same time so that my balances reflected a - $ XXXX. After submitting my payment, HSBC failed to update the status of my account to reflect my payment history and the now current balance. I submitted my dispute for them to review the payment history and HSBS subsequently retaliated against me for using the dispute option and they reduced my credit limit from {$6500.00} all the way down to {$500.00} and sent me a letter that states the following : ( All of which are inaccurate based on the PAID IN FULL status of ALL my accounts ) 1- Amount own on revolving accounts is too high. ( False ALL balances were XXXX at time of letter generation ) 2- Proportion of balances to credit limits on revolving accounts is too high. ( False ALL balances were XXXX  at time of letter generation ) 3- Proportion of balances to credit limits on revolving bank/national revolving accounts too high. ( False ALL balances were XXXX  at time of letter generation ) 4- Length of time revolving accounts have been established. ( Account was approved with {$6500.00} limit with lesser credit history prior to my dispute ) I have called multiple times to speak to agents who are allllllllll to incompetent to understand what happened and provide a blanket statement of " We mailed you a letter '' ( mentioned above ). 

It is 100 % clear that HSBC Bank as retaliated against consumers for utilizing the options afforded them by regulatory agencies such as the CFPB. During first contact with HASB customer service the agent indicated that upon review of my complaint they have taken action on my account. CLEAR DISCRIMINATION for filing my complaint for their inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I received an forthright answer from XXXX XXXX about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to XXXX XXXX and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX XXXX XXXX and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through Wells Fargo. I would call wells fargo as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by 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 2021-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX, I sent Capital One Auto Finance Attn : XXXX XXXX XXXX a correspondence entitled Notice of Acceptance along with a private money order and requested that Mr. XXXX send confirmation that my entitlement orders had been acknowledged and honored for the account # XXXX, and that the obligation had been settled and closed per my instructions. It was sent certified mail # XXXX XXXX XXXX XXXX XXXX RRR with an Affidavit of Mailing attached. It was received and signed for by DC on XX/XX/XXXX, and since then I have received a late payment on my consumer report and no response to my correspondence. Mr. XXXX, as you well know that there exist an operational presumption at law from the failure to answer a business letter. As the CFO of a securities intermediary, I am sure you have no aspiration to eschew good faith when it is essential to answer and honor your duties to me as an Entitlement Holder. If you fail to cure the breach, your refusal will be interpreted as agreement and you will be presumed to admit the propriety of the acts mentioned in my earlier correspondence ( see attachments ) and to adopt them, also inform the Illinois Attorney General and the Better Business Bureau of this mishap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I redeemed points on XX/XX/XXXX and XX/XX/XXXX for {$100.00} gift cards ( XXXX ). These cards never arrived. I contacted XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via message on their online account portel to inquire about these transactions. It is now XX/XX/XXXX and I still have not received these cards or given a sufficient reason why. In my view, they have stolen {$200.00} from me. 

Their reference number for this is 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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I recently had a consumer support notice that I had not paid a bill. In researching my credit report on XXXX XXXX I found a closed account through XXXX under the name of XXXX XXXX for approx {$810.00}, in contacting this creditor I was told that this account was associated with my social and my address but this is not my name. They stated that the account had been opened with XXXX and that they would send me a statement that I have recently received. the statement clearly shows the account was opened under XXXX XXXX  and I have never used this name, my only names ever used are XXXX XXXX ( XXXX Name ) and XXXX XXXX ( Married name ) which can easily be seen on my credit history. 

This account was open for only 3 months and then closed in XXXX and has never had a payment made on it. I let this credit company know that this was not my account and they stated that everything but the name matched so they would not assist me. 

I have since opened several disputes with Transunion and XXXX in which they updated incorrect information such as an address associated with me in XXXX Arizona that is not an address or a state I have ever lived. They refuse to remove this account from my credit history and claim that it is mine but it is not my account. I have had a strong credit history for years now and this is damaging it and I do not want to pay money for an account that is fraudulent and was never applied by me. The fact that the last name is a name I have never used should be a telling sign that this is not my account along with the fact that I have not been late on any payments with any CC companies for years now even through the COVID shut down. 

I have since put a year-long credit fraud alert on my account but I am not sure how to remove this fraudulent charge but I do not feel that it is right that I should be hit with the damage from someone committing fraud against XXXX when they approved a card that does not match both my first and last name.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. Your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested.This is a request under FCRA 611 ( a ) ( 7 ) Description of reinvestigation procedure by your bureau in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 15 days or delete the items, as originally requested. The accounts I am talking about is XXXX  XXXX  XXXX XXXX  XXXX and XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX I am a consumer and natural person. On Monday XX/XX/2021 I spoke with XXXX at Old Navy/Synchrony Bank . Today I went to Old Navy to make a purchase for my child 's school clothing and was bewildered to learn that my Old Navy account had been closed without my knowledge I contacted the number on the back of my card and spoke with XXXX a customer service agent he informed me that he did not have any idea as to why my account had been closed. He then informed me that a letter had been mailed out to me on XX/XX/2021 that is a direct violation of 12 CFR 1002 Equal Credit Opportunity Act. I am XXXX beyond measure.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This account is reporting as Closed, as CHARGE OFF? The account is UNAUTHORIZED... I HAVE Never gave XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX any Consent report on my report pursuant to 15 U.S. Code 1681 B. You must have written consent from I the Consumer... I am the natural person who is protected under the Federal law and FCRA... These companies continue to fraudulently report inaccurate and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CHALLENGE FINANCIAL SERVICES
State: FL

Complaint narrative:
This account is reporting as Closed, as CHARGE OFF? The account is UNAUTHORIZED... I HAVE Never gave XXXX XXXX XXXX XXXX, CHALLENGE FINANCIAL SERVICES, AND XXXX XXXX XXXX any Consent report on my report pursuant to 15 U.S. Code 1681 B. You must have written consent from I the Consumer... I am the natural person who is protected under the Federal law and FCRA... These companies continue to fraudulently report inaccurate and false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Recently i received a copy of my Experian credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Experian or any one else to run my credit, i did not apply for loans or any credit cards. Experian gave credit card companies access to my credit report without my person.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Upon receiving a response on XXXX XXXX through CFPB from HomeloanServ, my mortgage loan servicer, it has now been another full month that I have been awaiting to receive my partial claim/loan modification documents of which I was first informed it would only take a few weeks to receive via XXXX. Homeloanserv stated they would fully process my Covid Combination Partial Claim/Loan Modification within 60 days by XXXX XXXX, Homeloanserv is not fully cooperating with me and I believe they are intentionally delaying the process to force me into foreclosure. Homeloanserv is treating me unfairly and violating federal servicer laws that protect homeowners. My application is not being processed in a timely manner. I would also like an update on a correct escrow analysis. The balance on my escrow is incorrect which could affect my loan modification amount. The estimated taxes that was included in my custom partial claim/loan modification was misinformed. Homeloanserv has not provided to me an updated escrow analysis with the correct balance for my property taxes/insurance. My custom loan modification should be a lower amount than {$1800.00}. I am feeling overwhelmed with stress due to the poor communication and hurtful words i have heard when I called in to Homeloanserv to speak about the Covid FHA loan modification/Partial claim options and follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
1.Personal information via Transunion. I've called and stated that some information certainly does not belong to me and I want it removed. To no avail, the info is still present. From my end, I can see a birth date that is not mine.

2.I made a request for an address update. I see the address update however, it is the wrong address. I called about this issue this morning and was told that it was updated. I've explained that I do not reside in the state that is listed as my current address and its not my address.

3.I have tried to get my credit score number, only to be told that I have to pay for it. Is this accurate?

Transunion customer service reps are not very patient, credit report sites are filled with information and you can not just view something in a short amount of time.

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX # XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES 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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to delete the following information in my file. These items I need deleted contain inaccurate information and must be deleted as soon as possible. I am a victim of identity theft and did not make these charges. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's identity Theft Affidavit. Please delete these items at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
We applied for and we approved for a personal loan on XX/XX/XXXX online. We were told a check would be mailed to us and would arrive between XXXX. By XX/XX/XXXX it still had not arrived, so we called to check on it. We were informed that there was a problem on there end and we would receive the funds via electronic transfer in 3-5 days. Today is XX/XX/XXXX and we still have not received any funds. We have made multiple phone calls, have been promised call backs, emails and resolution with nothing happening. This morning we have been " disconnected '' numerous times. 

Additionally, the payments are due to begin being made on XX/XX/XXXX - but we have not even received the money!

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 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 46 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation