vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
To whom it may concern, I Have been a victim of unfair, abusive and deceitful practice by Nationstar Mortgage/ Mr. Cooper XXXX Now that I have time to investigate all the wrong i felt was done to me in the past by Mr.Cooper. Complaints as follow ; XXXX # XXXX ) On XXXX, Mr. Cooper claim I missed XXXX payments, totaling {$4700.00}. plus their lawyer fees. They did a payment plan with my XXXX lawyer. Then XXXX  years later ( XXXX XXXX ) they sent my money back totaling {$4700.00}. without the XXXX fees, I knew I didn't miss those payments. According to federal regulations and RESPA that money should've been return to me immediately not XXXX  years later. 
Here 's the proof. transaction # XXXX, and XXXX it's a speed payment system they have. It show actual date and months.See documents,. Compl # ( XXXX ) I had a house fire on XX/XX/XXXX. I got a {$240000.00} check from the insurance company, Mr. Cooper put it in an escrow acct and gave me a certain amount on a draw to repair my house. XXXX  amount was {$70000.00} to start. Then XXXX  inspection on XX/XX/XXXX was @ XXXX  %. They sent {$62000.00}. Second inspection on XX/XX/XXXX they estimated XXXX  % completion, They said I needed to be at XXXX  % to receive more money, So work was done until the money ran out. on XX/XX/XXXX. I did another inspection and they still stated it's XXXX  % completed. which didn't make sense. I removed roof, trusses. and completely Stripped and gutted the whole up stair, and all flooring downstairs. I hired an XXXX to redesign the roof plans and a company to pre-make the trusses, the demolition part of the house was completed and was ready to go back together. I bought supplies and material that was on site ready to go on the house and was paying payroll. ( All that cost money ) But Mr. Cooper still stating I am at XXXX  % and refuse to send more money. It's been about a month plus. I'am going back and forward with them for more money, I'am telling them, I'am running out of money and once the roof is finish they would see a lot more improvement, But Mr.Cooper loss draft department still refused to send more money. I reach out and asked to see documentations about the XXXX  % rule and they explained some documents have to be through court order. At this point, I had to make a decision, to avoid more damage to my house. see pic. So I sold my house. AS IS, and took a huge loss. CompI # ( XXXX ). Since XXXX, Whenever I'm late making my mortgage payment Mr. Cooper charge me a {$15.00} to {$20.00} fee, just to send someone by the property to make sure I still live there. I need to know if these fees are part of my contract with Mr.Cooper. My copy of contract got damaged in the house fire. I make my mortgage payments late intentionally, But I never put my house in danger of losing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
My federal non private student loans were discharged via XXXXXXXX XXXX XXXX  and borrower defense application. I filled out the navient documentation for my private loans and they will not even review the application because I have a refinanced/consolidated loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 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: CA

Complaint narrative:
I am consumer by law and feel taken advantage of. There is inaccurate information still being reported by this company. They are disregarding the law and I can not handle the stress they are causing 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 explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting 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 reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 
I have never been late on payments for the account : XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. 
Thanks.

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 2024-06-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding an issue with the reporting of my XXXX credit card account in my credit report. The debt for this account was charged off and subsequently sold to XXXX XXXXXXXX XXXX I paid the debt in full, and XXXX XXXX XXXX confirmed in writing that they would not furnish this information to the credit bureaus. 

Despite this, XXXX is still furnishing inaccurate information on my credit report, listing the account as a " paid charge off. '' I have disputed this information multiple times with both XXXX and the credit bureaus, but the issue has not been resolved. 

XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requiring furnishers to investigate disputed information and report the results to the credit reporting agencies. 

Also XXXX sold the debt to the debt collector who was not even licensed to collect that debt in the state of Nebraska. Which is another FCRA and FDCPA violation. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the inaccurate XXXX account is removed from my credit report permanently. Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
on XX/XX/XXXX I paid for a vacation on my Citi card that was standard purchase. The billing cycle ended on XX/XX/XXXX and the credit card company charged me interest for this charge. They then billed me and I paid off the charge right away. THey should only have charged my account interest if I did not pay it off in the associated billing cycle, which I did. This is fraud with these fees.

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 2024-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Robinhood froze my accounts stating that they need my physical address. I provided my physical address with my identity documents but they are basically demanding that I change my bank statements and identity documents to reflect the physical address. I live off grid in an RV, USPS does not deliver mail on XXXX XXXX XXXX because their vehicles can not safely access the regions. I use a XXXX XXXX XXXXor virtually all of my bills, financial accounts, and government ID for this reason. They are discriminating against me for living in a rural area and trying to demand that I change my ID and documents to a non deliverable address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
here are numerous accounts in my report that i don't recognize. These area fraud and i wanted to have them removed. I have been disputing this since last year. Kindly remove the following : XXXX XXXX  XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX date opened XXXX XXXX, XXXX XXXX XXXX XXXX  account # XXXX date opened 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 2024-06-07 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: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I tried getting a credit card through XXXXXXXX XXXX XXXX. I tried to see if I was prequalifying. I got notified that I was not. Not to mention, I have a good credit so highly confused on why I am not being qualified

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 2024-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to file a complaint regarding an issue with the reporting of my XXXX credit card account in my credit report. The debt for this account was charged off and subsequently sold to XXXX XXXX Solutions. I paid the debt in full, and XXXX XXXX XXXX confirmed in writing that they would not furnish this information to the credit bureaus. 

Despite this, XXXX is still furnishing inaccurate information on my credit report, listing the account as a " paid charge off. '' I have disputed this information multiple times with both XXXX and the credit bureaus, but the issue has not been resolved. 

XXXX is in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C

. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibiting furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

15 U.S.C. 1681s-2 ( b ) : Requiring furnishers to investigate disputed information and report the results to the credit reporting agencies. 

Also XXXX sold the debt to the debt collector who was not even licensed to collect that debt in the state of Nebraska. Which is another FCRA and FDCPA violation. 

I request that the Consumer Financial Protection Bureau investigate this matter and ensure that the inaccurate XXXX account is removed from my credit report permanently. Thank you for your assistance.

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 2024-06-07 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Subject : Formal Complaint Against Navy Federal for Denial of Extension Request on Auto Loans Date : XX/XX/year> I am writing to file a formal complaint against Navy Federal regarding the denial of my extension request for two auto loans that I hold with the institution. Despite multiple attempts to communicate my situation to Navy Federal, I have been met with a lack of understanding and cooperation, leading to undue financial hardship on my part. 

I have diligently explained to Navy Federal that I was on XXXX XXXXXXXX leave from work and only recently returned to work on XX/XX/XXXX. In light of my financial circumstances, I reached out to Navy Federal 's personal finance team to request an extension for my two auto loans. Initially, in XXXX, I was informed that both loans would qualify for a two-month extension after making my payments. However, when I followed up on this agreement, it was arbitrarily downgraded to a one-month extension without my consent. 

This unilateral decision by XXXX XXXX felt like a bait-and-switch tactic, leaving me feeling deceived and manipulated. I made it clear that the two-month extension was crucial for me to catch up on my auto loan payments, especially given that I was awaiting payments from my long-term leave company, XXXX, which were pending then and remain pending now.

Despite my genuine efforts to negotiate a reasonable solution that aligned with my financial constraints, Navy Federal 's representative insisted that I either accept the one-month extension or receive no extension at all. Feeling pressured and cornered into an agreement that I knew I could not uphold, I reluctantly agreed to the one-month extension, knowing that it would not provide me with adequate time to receive my long-term benefits and catch up on my bills.

As a responsible individual committed to meeting my financial obligations, the treatment I have received from Navy Federal has been distressing and burdensome. This denial of a fair and reasonable extension has significantly impacted my ability to prevent homelessness and provide for my family 's basic needs.

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and hold Navy Federal accountable for their unfair and deceptive practices. I seek a resolution that is just and equitable, considering the financial hardship and emotional distress that I have endured due to Navy Federal 's actions.

Thank you for your attention to this matter.

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 2024-06-07 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: VI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-06-07 00:00:00
Product: Credit reporting 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: CT

Complaint narrative:
XXXX XXXX XXXX  Account Number - XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with 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 explanation
Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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.

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 informationisinaccurate.

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 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

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.

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-07 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: VA

Complaint narrative:
According to the CFPB law 15 U.S. code 1601, the XXXX XXXX account # XXXX ( with XXXX ), Experian, XXXX and XXXX are in violation and should be fined for not adhering to the federal government laws on incorrect reporting or delete. 
I have disputed this account many of times and is very much looking to seek legal help against the credit bureaus because I am not getting help from the protection agency meaning " I'm not being helped ''. 

I am/will not take responsibility for the debt as it is and it needs to be corrected or " DELETED '' according to the CPFB laws for credit agency reporting. 

EVERYTIME I dispute, the company updates the account with a balance and recent update date and then add XXXX more years to the update, THAT IS ILLEGAL. 

I spoke to a representative and the account was charged off in XXXX of XXXX and it is showing a balance of {$810.00} and was update as of XX/XX/XXXX. This account should NOT be updated with a balance and new date. 

I included XXXX credit reports from Experian ; 1 that was update as of XXXX of XXXX and another with the payment history that shows that it was charged of in XXXX of XXXX. 

This is very illegal to keep this account as " OPEN '' on my credit file and a violation of the CFPB. Please acknowledge this complaint as valid and will seek legal advice because NOTHING IS BEING DONE.

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