vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mr. Cooper is a mortgage lender/debt collector. They are represented by XXXX XXXX XXXXXXXX. I am a real estate agent representing an estate that was in foreclosure. The property was sold XX/XX/XXXX. The wires were verified by the law firm XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, this property has been sold and debt was paid off. It is still being shown as in foreclosure in XXXX XXXX and they continue to make publications regarding this including one on XX/XX/XXXX and one on XX/XX/XXXX according to public information on XXXX XXXX. They are not working in a timely manner to resolve this. In doing so, the tenant is receiving door XXXX, notes on door etc. I spoke with Mr. Cooper and they would not discuss with me. I spoke with XXXX XXXX XXXXXXXX and was told they didn't have the time to talk with me and this was being resolved. It's XX/XX/XXXX and XXXX XXXX as of today shows a foreclosure date of XX/XX/XXXX. Completely unacceptable to take this long to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently looked at my credit report and noticed that there is information still wrong on my credit report and information still isnt being repoerted the same.. as to my understaning the dola date doesnt match and once account is chsrged off it shouldnt report co co every month i also disputed with the company and thXXXX credit bureas and information still not repoeted the same and the DOLA date is missing and being reported different

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 2023-02-04 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: TX

Complaint narrative:
I have recently looked at my credit report and noticed that there is information still wrong on my credit report and information still isnt being repoerted the same.. as to my understaning the dola date doesnt match and once account is chsrged off it shouldnt report co co every month i also disputed with the company and thXXXX credit bureas and information still not repoeted the same and the DOLA date is missing and being reported different

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05 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: MI

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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

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 2023-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if your are unable to provide a copy of verifiable proof, you must remove the account listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-02-04 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: LA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an original Consumer Contract with my signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if your are unable to provide a copy of verifiable proof, you must remove the account listed below. I demand the following accounts be verified or removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I opened a Merrill broker account at a BofA branch as they had a {$1000.00} cash promotion ( if you bring in {$250000.00} new asset to the account ). My account number is XXXX. 

In XX/XX/2022, I have transferred funds into the new account and, based on the statement closed on XX/XX/2022, the total " XXXX XXXX XXXX '' was {$250000.00}. 

However, I have never been rewarded the {$1000.00} bonus. Instead, I only get {$400.00}.

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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 These companies are in clear violation of FCRA Laws and 15 USC 1681 Further, I did not give any written or verbal authorization for my credit report/profile to be accessed. These companies clearly with malicious intent tried to commit identity theft where my identity and privacy are guaranteed by both the FCRA and 15 USC 1681. ( Unauthorized used of SSN and credit information ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance Please be advised that this is not the first request for remedy.

Should ALL my grievances NOT be addressed and deleted, the next step shall be federal litigation.

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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
XXXX XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 XXXX Inquiry date XX/XX/2023 These companies are in clear violation of FCRA Laws and 15 USC 1681 Further, I did not give any written or verbal authorization for my credit report/profile to be accessed. These companies clearly with malicious intent tried to commit identity theft where my identity and privacy are guaranteed by both the FCRA and 15 USC 1681. ( Unauthorized used of SSN and credit information ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681o - Civil liability for negligent noncompliance Please be advised that this is not the first request for remedy.

Should ALL my grievances NOT be addressed and deleted, the next step shall be federal litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: MI

Complaint narrative:
I have 3 lines of credit with Upgrade only way to complete application was to provide access to my checking account. I have since learned Upgrade steals all the information from my checking account and sales the data without my permission, Moreover, all my medial bills are paid through this checking account including XXXX XXXX XXXX XXXX treatments. Upgrade steals that information which is a serious violation with HIPPA again without permission. As a result I stopped paying and using all these accounts. I have and are again requesting all my accounts closed and for Upgrade to CEASE and DESIST contacting me in any way unless its due to civil action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
( XX/XX/2023 ) No one at company to talk to on weekend Received unapplied for credit card in mail Called and was referred to fraud department and they are closed on weekends

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 2023-02-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 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: AR

Complaint narrative:
I had my identity stolen ( I suspect by a family member ) and several fraudulent inquiries and other items appeared on my report. I filed an FTC report on XX/XX/22. I called and asked Experian to remove the inquiries and they stated they needed a copy of my FTC report. On XXXX/XXXX/222 I submitted a request to Experian by certified mail asking them to remove several fraudulent inquiries on my report. I also included the FTC fraud report. Tracking shows that they received this letter on XX/XX/22. The inquiries were not removed so I called Experian and they stated that refused to remove the inquiries because they were connected to a car loan on my account. I have reviewed all the inquiries and although they occurred around the same time that I purchased my vehicle, I did not initiate a credit application with the companies below and I do not have a car loan with any of these companies. I have had a family member who I suspect attempted to purchase a vehicle and other things in my name. I suspect it was a family member because of several other incidences that occurred with this same person, although I don't have any solid proof. It is unfair of Experian to refuse to remove these inquiries, especially since I have included an FTC report regarding the fraud. I have called over and over within the past few months and no one at Experian will help me. Again, I have not applied with nor have a loan with any of the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX some of the inquiries occur repeatedly. I haven't gotten a car loan on any of these dates or with any of these companies so I don't see how they could be connected to any car loan of mine. Remove the fraudulent inquiries.

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 2023-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose

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 2023-02-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 602 A Section 2 : also states that a consumer reporting agency can not furnish an account without my written permission 14 U.S.C 1666 B : A creditor May not treat a payment under an open end consumer credit plan as late or delinquent for any purpose

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 2023-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: WY

Complaint narrative:
On XX/XX/ a letter was sent to Debt Recovery Solutions, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX to attempt to validate a debt they have on my credit report in the amount of {$680.00} ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX ). The return receipt was signed for by what looks like a XXXX on XX/XX/ and the company has refused to validate the debt or send any information about the debt. This debt under law should be removed immediately from my credit report for their failure to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I went to the Wells Fargo ATM at XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to withdraw XXXX dollars in cash. The ATM was out of cash, and I was not able to complete the transaction. This occurred approximately XXXX XXXX  on Saturday XX/XX/2023.

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 2023-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
The Florida Department of Economic Opportunity - HAF Program states they sent the XXXX mortgage payment on XX/XX/2023 and the XXXX payment on XX/XX/2023 as of today XX/XX/2023 AmeriHome Mortgage states they have not received either payment or they say they do not have it. Payments are being wired transferred in batches and it has not yet been applied to my account, which means it is overdue and affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Resolutions, LLC
State: CT

Complaint narrative:
Credit resolutuon LLC is reporting inaccurate collection on my XXXX credit report for a debt not owed. 


CREDIT RESOLUTIONS LLC Original creditor : XXXX XXXX XXXX XXXX Balance details 0 % paid off Balance {$3600.00} Balance updated XXXX XXXX XXXX  Original balance {$3600.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
On XXXX XXXX, 2022, I received a call from the bank stating there were fraudulent charges on my account they sent me emails from the bank for verification. The bank said they fixed the account. The next day my account was on hold and my money was gone. {$1800.00}, was wired to someone in Florida. The bank to file a claim and contact fraud department. I did just that. No response from anyone. I contacted the bank daily and went to the bank to get updates weekly. No one could tell me anything. On XX/XX/XXXX I contacted the fraud department and I found out my case was given to a whole new case worker without my knowledge. I was told that my money would not be returned and I would need to file a police report. The bank says I should have known that the person that called me on XXXX XXXX was not actually from the bank even though the caller ID matched the bank when they called, even though they sent me emails from the bank verifying it was them I was talking to. I filed the police report # XXXX. The police are investigating. Please help, I am facing eviction due to this set back. The {$1800.00} they stole was for my rent.

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 2023-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
They placed my funds in my account on the XXXX of XX/XX/ of XXXX and took it away they playing on my intelligence

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 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, I have been trying to get an inaccurate, misleading statement off of my credit report but am having problems finding correct information for the creditor, XXXX XXXX XXXX. This was the second letter I sent them, the first was over 30 days ago, still with no response. Not only is Equifax reporting inaccurate and misleading information, but Equifax is also reporting inaccurate and misleading information about this creditors address compared to that which is found on the creditors XXXX XXXX XXXX profile. I have sent requests to XXXX XXXX XXXX several weeks ago, but due to the credit bureaus reporting inaccurate and misleading information, I am unsure of the true address. This is complicating and is negatively affecting my life and the life of my family who need me. The attached documents are the receipts of the certified mail I sent in attempt to reach XXXX XXXX XXXX. This was the second letter I sent them, the first was over 30 days ago, still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX XXXX opened on my account that I did not approve.

Company response to consumer: Closed with explanation