vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX we had an appraisal done to remove PMI. The mortgage payment was {$3600.00}, I received a escrow analysis notice stating escrow shortage of {$850.00} in XXXX, I paid that in full the end of XXXX by the due date. The PMI removal was approved XX/XX/XXXX but the account was also transferred to XXXX during the appraisal review. XX/XX/XXXX another escrow analysis was performed and showed a shortage. I disputed this second analysis and was advised another would be performed in XXXX. I dont understand why XXXX escrow analysis are being scheduled. I have only been in the house since XX/XX/XXXX. 

Real problem, the pmi was removed, the second analysis was removed but my payment amount is incorrect. Customer service says they never sent me a letter saying my payment was {$3500.00}, but I printed it and it is no longer in my online portal. I am turning off my autopay scheduled for XX/XX/XXXX {$3600.00} because that amount is incorrect. If I dont need an analysis to reflect any changes, then based off the XXXX analysis, shortage being paid and pmi removed, my payment should be roughly {$3500.00} or {$3600.00} if we add the shortage for the change in HOI premium ( {$1600.00} increased to {$1800.00} ). I made this argument/complaint around XX/XX/XXXX and was told an request was submitted. But the request only removed the analysis ran XX/XX/XXXX but the " system '' hasnt updated my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: TX

Complaint narrative:
I kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OPORTUN FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have e-mailed XXXX and have called XXXX about adjusting my APR under XXXX XXXX XXXX XXXX XXXX ( XXXX ). They have repeatedly told me each time Ive called that their computer system cant change the APR rate. Ive tried asking for a supervisor and each time they have told me their supervisor is not in today. Then Ive tried asking for any manager. The employee on the line proceeded to tell me to stop wasting their time and I can hang up. More recently XXXX XXXX I called asking to be transferred to the American office. The employee told me he cant and doesnt have a way to reach an American counterpart. 

When I tried to email them asking to talk to someone about SCRA, I received this response back : Thank you for reaching out regarding the Oportun Visa Credit Card. Your question is very important.If you have any questions about your application, please call XXXX, from XXXX XXXX - XXXX XXXX XXXXXXXX Mon - Fri or XXXX XXXX - XXXX XXXX XXXX Sat Sun.If you have any questions about your account, please call XXXX, from XXXX XXXX - XXXX XXXX XXXX Mon - Fri or XXXX XXXX  - XXXX XXXX  XXXX Sat Sun. 
You can visit Oportun.com/creditcards at any time to login and view recent transactions, statements, set-up account alerts, or to review your account information. 
Also you can visit our web chat Credit Card service in our website www.oportun.comSincerely, Oportun General CC SP. 

I tried calling the XXXX as another line and the employee said he couldnt find me and I needed to provide a credit card to verify my identity. I tried to give the Oportun account credit card but he said he couldnt use it and to stop wasting his time and I could hang up if I wasnt going to give him a valid credit card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
My husband and I have owned a condominium unit in XXXX XXXX, NC since XX/XX/. Every year in XXXX, the HOA renews its flood insurance policy, which covers all the condo units. Every year we submit the new policy to Truist 's website ( XXXX ) and every year Truist claims that they have not received the current policy. One year they even purchased a flood insurance policy of their own and tried to make us pay for it. Since this occurs every year, I am beginning to suspect that this might be their goal- to force us to pay for a policy we do not need. I have tried to call them on their insurance number and on a general number, but they have labyrinthian loops, none of which offers the chance to speak with a actual human person. I finally did manage to speak with a human, but the call was cut off. In past years, it took months to resolve the issue. I do not know why they put us through this song and dance every year, but it needs to end.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I first made a fraud claim in XX/XX/XXXX. On XX/XX/XXXX, I was credited for the XXXX charges that were not mine. A charge for XXXX in the amount of {$790.00} and XXXX {$210.00}. I never received any correspondence in reference to the fraud claim. I never received a new card in the mail either. When I logged into my account in XXXX, there was a note on my account saying that my card is locked and to call the customer service number. Customer service said the lock was placed by another department. I called and spoke to someone who said they put lock on account and that it will stay there until investigation is finished. 
On XX/XX/XXXX, the XXXX charges were placed back on my account. XXXX charge for XXXX {$790.00} and XXXX for {$210.00}. 
On XX/XX/XXXX, a duplicate charge for XXXX at {$790.00} and XXXX for {$210.00} were charged to my account. 
On XX/XX/XXXX, another XXXX duplicate charges were placed on my account for XXXX at {$790.00} and XXXX for {$210.00}. 
My credit limit is XXXX, with these charges my account balance is now {$3200.00}, which is {$1900.00} over the limit and this information has been reported to the three credit bureaus. 
My actual balance should be approximately {$120.00}. 
I called XX/XX/XXXX, XXXX, and XXXX, XXXX to resolve this and I was sent to fraud department each time. I have been assured that I would get a call back regarding this matter and I never did. On XX/XX/XXXX, I called again and they said my fraud claim was closed and did not provide any other information. I had to beg the customer service representative to allow me to speak with a supervisor. She kept advising me that someone would call me back but no one ever does so I insisted on staying on the phone to wait for XXXX. The representative refused to let me speak to a supervisor repeating that " no supervisor was available '' XXXX times to me. I have received minimal help in resolving this billing/fraud error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 kindly request that you promptly remove this inquiry from my credit report. I appreciate your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Albert Corporation
State: IN

Complaint narrative:
I have been contacting Albert since XXXX XXXX declined my transfer and my money still hasnt been added back into my account. Every time I reach out to Albert its always a different story about where my money is. I sent over the document that they asked showing that XXXX XXXX said they never charged the card because the transfer was voided out and the money was returned to the card ending in XXXX which is my Albert card but Albert keep saying its not there. Date was XXXX at XXXX amount is XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On the XXXX of XX/XX/XXXX I filed a dispute for equifax reporting false information. XXXX is showing 2 late payments when I have never had a late payment they are saying it is verified but there is inaccurate info being reported. I have not done business with XXXX until XXXX. A random late fee from XXXX that doesnt belong to my account and needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MA

Complaint narrative:
Cash app offers XXXX  on their platform. They advertise 3 types of transactions, priority, rush and standard which are tiered at different fees. The priority fee is highest then rush then standard. Multiple times I have selected priority only to have it take HOURS for the transaction to process. 

This is a blatant scam as they are internalizing orders before posting to the blockchain. Assuming priority selection, they should be immediately posting and processing the transaction, however they are NOT. I have had priority and rush transactions take the exact same amount of time. Ive been reaching out to cash app support for MONTHS now only to be sent in a circle going nowhere. 

Unrelated to my issue, they also steal peoples funds when processing payments between their platform and XXXX. Give it a quick XXXX search and youll see how much blatant fraud this company commits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Acct : XXXX Tuesday, XX/XX/XXXX To whom it may concern, My name is XXXX XXXX, and I first want to thank you for taking the time to read this letter. Ive had a great experience with Nissan-Infiniti LT , and my goal is to maintain the relationship weve built over the last 10 years. I recently pulled my XXXX, XXXX, and XXXX credit reports and discovered I have 3 late payments that were reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for my Lease Payment account XXXX. During that time, I had a medical emergency that required me to drain my savings and use most of my paycheck to cover, which impeded my ability to make an on-time mortgage payment that month. I realize I made a mistake in falling behind and take full responsibility for my actions. I understand that late payments cause inconveniences for your operation. Up until my medical emergency, I had an on-time payment history with you since my loan was first originated. Additionally, Ive resumed making on-time payments in the months since that point, even enrolling in automatic payments to ensure I dont miss any due dates in the future. Based on my otherwise spotless payment history, I would like to request that you apply a goodwill adjustment to remove the late payment marks from my credit report. Granting this request will help me improve my overall credit history and demonstrate my consistency as a creditworthy borrower. Thank you in advance for your consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: T.S. Holdings
State: IL

Complaint narrative:
I called XXXX on XX/XX/XXXXXXXX  in regards to a debt collection in my account in which I had disputed. I explained to the representative that I have a security freeze on my account in which I had on there since XX/XX/XXXX. So I was confused how someone was able to gain access to my credit report without me removing the freeze. The rep explained that because I had a fraud alert in my report he had to transfer me to the fraud department. After being transferred I explained the same situation to the new rep. He then explained to me that they do not validate debt and I quote these were his words. I then repeated what he said and he said yes. We dont get any contracts or anything elses from the creditor saying that the debt is valid. He said all we do is ask the creditor if the debt they listed is valid and if they say yes we inform you that the debt has been validated. I then expressed my disbelief and asked how would they know that the debt even belong to me. I also expressed that it was impossible for it to be mine as I had no dealings with this company before that was reporting the debt and that the debt being reported was from XX/XX/XXXX in which I had not open any accounts with anyone during that time. I also advised that I have a security freeze on my report. He then says well let me validate who you are so that I can access your report. I give him my Information and then he says he needs to ask a series of questions. He starts to ask questions that I am unfamiliar with as I have no association to any of the questions asked. He then claims he cant validate who I am and that I need to hang up and call back to speak to someone else to get new questions. Well I never called back and submitted a dispute in writing with a certified attached. Im saying this to say that XXXX has unfair dispute practices that allows creditors to put negative collections on your report without having to provide documentation that the debt belongs to you. XXXX at this very moment is costing me financial hardship and continues to do so after allowing XXXX  XXXX  to open credit in my name during a time that a fraud alert was put on my credit report. XXXX removed the XXXX  account but later allowed XXXX XXXXXXXX a collection agency put the same account on my report and claimed it was valid after I disputed it citing that the account was sold to XXXX XXXXXXXX XXXX XXXX Please dont allow XXXX to do this to anyone else and allow there reputation and credit to be harmed because they lack the dignity to verify collections before putting them on credit reports. I am requesting XXXX deletes accounts from XXXX XXXX  that were sold to XXXX XXXX XXXX and any other agency as well as these accounts from IQ international.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: OK

Complaint narrative:
I received a credit alert on XX/XX/20 that my information was used to open a credit card at XXXX  XXXX XXXX. I immediately contacted XXXX  XXXX XXXX and was advised the account wouldnt be opened and that they would contact the credit bureau to have the inquiry removed. 90 days have passed and after being transferred multiple times they are unable to give me a timeline for when this fraudulent inquiry will be removed.

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 2023-05-30 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Hello, please update this account. I did not occur in any late payments

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-05-30 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to you to express my deep concern over the fraudulent information on my consumer report. I was shocked to learn that I am a victim of identity theft, which has resulted in a negative impact on my credit history and ultimately on my financial wellbeing. This has been hurting me as I am in the process of buying home for my family. I am emotionally distressed and need these fraudulent accounts removed ASAP. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief