vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Re : Verification of alleged debt pursuant to Section 609 ( a } ( 1 ) This letter is being sent to you in response to a correspondence sent to me on XX/XX/2022 This is not a refusal to pay more rather, an endeavor to validate the alleged claim pursuant to Sec. 809 ( b ) of the Falr Debt Collection Practices Act requires that. the consumer disputes the debt or requests identification of the original creditor in writing and that the collector must cease collection until he verifies the debt and mail a response. 
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 that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I request the following : Verify the debt ( what is the money that is owed for How did you come up with said amount exactly All contracts that confirm that such an agreement is legal and bonding A certified copy of any judgment made Proof that the statute of limitations does not apply to this account The name and address of the original creditor Confirmation that you have the right to collect debts in my state Your license number and the name and address ot your Registered Agent Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA. unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof. you must remove the account listed below. 
I demand that the following account be verified or removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; e to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing 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 non-monetary relief
Consumer complaint received 2023-01-10 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: TX

Complaint narrative:
I had a XXXX XXXX Credit Card and was making ontime payments. Due to XXXX my job down sized and I wasl laid off. I was unabl ; e to keep up with my payments so eventually it went to Charge-off status One bureau said I was 120 days late and one said I was 150 days late. They also reported incorrect information as far as the date open, last oaid, and also past balance due. I thought that under FCRA guidelines all information must be accurate and isn't it a violation to report past due balance on a charge off. This has cause me stress and the inability to purchase a home. Please assist with clearing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Received a new letter for an increased amount of XXXX Citibank in XXXX closed my XXXX  account, and still has yet to respond to my initial complaint. 

This is XXXX on a person with XXXX. This is also not acceptable due to my status as a XXXX  public official ( past ).

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 2023-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My XXXX ( CITI ) credit card account XXXX was closed for no reason, my account was paid on time. Only reason my account was because I filed a complaint on my Shop Your Way account which is a Citi Bank account.

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 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Default date XX/XX/XXXX XXXX charged off XX/XX/XXXX Total Due XXXX XXXXXX/XX/XXXX This debt has been disputed for 15 + years complete validations of this alleged debt or any kind of proof bearing my signature, copys of original acc.statements has been requested by me from Asset Acceptance Recovery services llc on XX/XX/XXXX by certified mail ( have all the proof ) and so with other previous debt collectors.Check all your files it is all in there, sofar all my complaints, disputes and request for complete validations have been ignored also all my complaints with the XXXX, CFPB nd FTC.The debt aint mine. 
Why is Midland Credit Management Inc.knowing all of this with no proof of any kind trying to collect in behalf of Asset Acceptance , LLC. with no proof of any kind ever provided and so did none of the others. Your all in violation of the fair debt collection act. the fair credit act. and defamation of charather.I demand a immediate respond to my complaint knowing all of this i will also consult my legal counsil for suit.I will also file another complaint with the FTC, XXXX and the Attorney General ' s office .A COMPLETE FRAUD.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I paid off a Wells Fargo truck loan ( XX/XX/XXXX overnighted check by my credit union ) that included an extended warranty. They didn't process it until XX/XX/XXXX. I had canceled the warranty ( XX/XX/XXXX ) prior to payoff. The full refund for the warranty of XXXX  was sent to Wells Fargo because at the time I canceled, Wells Fargo held the loan as far as the dealership knew. Wells Fargo received the check XX/XX/XXXX which is after the loan was paid off per the XXXX tracking number. Wells Fargo is refusing to send me the refund until at least XX/XX/XXXX. 

I spoke to XXXX at Wells Fargo Auto at XXXX on XX/XX/XXXX and she told me they wouldn't cut me a check until XX/XX/XXXX because there was a 10 day hold on the check even though I know they received the check XX/XX/XXXX. I also spoke to XXXX at XXXX. I opened a complaint case with the XXXX XXXX per XXXX. Case XXXX. I was told a " case specialist '' would call me back Monday XX/XX/XXXX. Noone called or emailed. The case was supposed to be reviewed. I even provided the name of the woman who sent the check, both of her phone numbers and the date it was sent. I was told it was noted and thank you. 

I called Tuesday XX/XX/XXXX at XXXX and was told case specialist was on break & would call me back. I called again at XXXX & was told the case specialist XXXX was at lunch. I asked for a supervisor. Finally got to speak to the case specialist XXXX after 30 minutes. She told me I would not be paid until XX/XX/XXXX. I wanted to know why they held my money this long. In order to have this decision reviewed AGAIN I would have to open a new case to complain. I forwarded the email I received from the dealer showing the check amount, date sent, address, date received & who signed for it to : XXXX. I repeated the email address back to XXXX and she confirmed it. The email couldn't be delivered. 
Wells Fargo was late in paying off my loan even though my credit union paid it off PRIOR to my first payment to Wells Fargo. Now they will hold my refund for almost a month even though they've been paid for almost a month.

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 2023-01-10 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:
upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX  that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXX ID XXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and opened on time. upon reviewing my credit report I discovered a XXXX XXXX XXXX XXXX that is reporting inaccurate information reporting 30 day late payments for XX/XX/XXXX and XX/XX/XXXX thus causing me great hardship and damaging my credit score the card is reporting late to XXXX, XXXX and EQUIFAX I have called them several times I spoke with manager named XXXX XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX he confirmed that no late payments where made in XX/XX/XXXX or XX/XX/XXXX he they the incorrect information would be updated and upon checking it still has not. I want I need this information updated As Soon As possible these accounts need to be updated as paid as agreed and open on time monthly payments show on time that I attached but the reporting is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: NC

Complaint narrative:
I have fraudulent inquiries in my TransUnion credit report that Ive previously disputed with the bureau and dispute wasnt resolved in my favor and TransUnion verified inquiries to be accurate which is not true. Ive contacted all lenders of which inquiries I dont recognize and I let them know about possibly fraud. synchrony bank, XXXX and XXXX confirmed they will investigate and contact TransUnion to remove fraudulent inquiries and no action has been taken further. 
XXXX also sent letter confirming inquiries would be removed which I received XX/XX/XXXX. 
List of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I would like CFPB to help me resolve this issue and restore all damages done to my credit by fraudulent inquiries which I never authorized

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 2023-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
We purchased our house in XX/XX/XXXX. At that time our escrow was roughly {$1600.00} a year. We were notified in XX/XX/XXXX that our taxes went up to {$4300.00}. Our mortgage XXXX never informed us that this would be the case and basically told us it was our problem. We asked the mortgage company if we could pay the shortage so we can keep our payments down as a $ XXXX increase a month was not realistic for us. The initial told us yes. We had our tax statement from the collector so we knew it was a {$2600.00} difference. We've paid the mortgage company {$1600.00} of that {$2600.00} so far between XXXX and XXXX ( {$1000.00}, {$300.00} and another {$300.00} ). We received an escrow analysis from the mortgage company after XXXX stating that we needed to pay {$2600.00} to avoid having a {$550.00} increase on our payments. We called them up and talked to about 8 different people who all pretty much said we owed the {$2600.00}. We told them that we've already paid {$1600.00} but they could not verify with us that it was received. All they said was they paid the {$4300.00} tax bill and we owed this money. I went through every statement with each person we've talked to and only 1 would verify that they did receive the {$1600.00} and we only owed the {$1100.00}. However, the next day our broker called and verified with us as well that was true but then when we tried to verify it once again to make sure with the mortgage company they said that was false and we must pay that {$2600.00}. They were extremely rude and would not listen to anything we had to say, they were purely going off the escrow analysis and that was it. I asked the last person today to confirm our mortgage statement that showed we our escrow balance to be only - {$170.00} and she said no her system showed we owed the {$2600.00}. again. she was looking at that escrow analysis because that is the only thing that is showing that amount. We feel at this point the mortgage company is scamming us someway on these funds. they are also stating that we can not prepay our escrow to avoid this higher payment. they claim that they MUST charge us for escrow every month and can not accept prepayments. My wife has XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this is the first time she has ever heard this. The only thing we can think of is that they just don't want to put in the work to accommodate us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: NC

Complaint narrative:
I have fraudulent inquiries in my EQUIFAX credit report that Ive previously disputed with the bureau and dispute wasnt resolved in my favor and EQUIFAX verified inquiries to be accurate which is not true. Ive contacted all lenders of which inquiries I dont recognize and I let them know about possibly fraud. XXXX confirmed they will investigate and contact XXXX remove fraudulent inquiries and no action has been taken further. 
XXXX also sent letter confirming inquiries would be removed which I received XX/XX/2022. 
List of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I would like CFPB to help me resolve this issue and restore all damages done to my credit by fraudulent inquiries which I never authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 


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

15 U.S.C 1681 604 A Section 2 states a consumer reporting agency can not furnish an 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 2023-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Synchrony Bank pre approved me for a XXXX XXXX card and set my limit at {$7600.00}. With my XXXX score at XXXX, I figured this was about right. 
Then I got a letter from : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX They wanted additional information to verify identity. Please call our office at XXXX any time between XXXX and midnight est, 7 days a week. Thinking I was calling Florida, although Synchrony is located just down XXXX XXXX from me in XXXX, XXXX, I got a person at Synchrony 's XXXX number with a strong accent. Difficult to understand, and then I asked where he was located. He say in the XXXX. Well his XXXX and my XXXX were not a good match, and I eventually had to hang up the telephone as I did not understand " XXXX. '' 24 hours later I called in the hopes of getting a very good English speaking person, and I got " XXXX. '' Not much better, and he told me I had to go to www.verify.syf.com and only with a smartphone. Synchrony wanted me to put my identity on the internet, was it secure, I have to assume so, but many questions ... Their app at verify/syf.com could not read the barcode on the back of my drivers license, so now I have been locked out of this way for identity. 
I told XXXX that I have been doing business with Synchrony Bank through their XXXX XXXX, as I have been a Synchrony Bank XXXX Card Holder for years. He said different department, not good here. 
I tried to explain to this person that Synchrony is Synchrony and issues many different cards, and I am in the system. My explanation fell on deaf/ignorant ears. XXXX./ XXXX, XXXX XXXX Connecticut XXXX Florida XXXX come Synchrony Bank and learn customer service. This is a story for XXXX XXXX of Synchrony Bank, formerly XXXX XXXX, who I've seen many times in XXXX at XXXX. 
This is the service we get in the USA now, inexpensive labor unable to communicate with customers, but is it good for the EBITA for this bank?

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 2023-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: IN

Complaint narrative:
During the pandemic i took advantage of the forbearance due to my husband bring out of work. The forbearance ended XX/XX/2022. I contacted Mr Cooper to discuss next steps, I agreed to have the owed amount placed at the end of the loan. I was told I'd automatically be approved and wait for the paperwork. I received the paperwork but realized it still was in my maiden name and the notary would not allow me to sign. I contacted Mr Cooper on XX/XX/2022 and started the process of changing my name. I sent all documents and was told it could take us to 30 days. I kept following up and in XXXX was told they needed additional information which I sent same day. I finally received the paperwork XX/XX/XXXX and scheduled a notary with Mr Cooper. The notary never showed up so I had the notary done in town and overnighted. I didn't sign both maiden and married name so it was rejected. New paperwork was issued and I had it signed and overnighted. This was at the end of XXXX. I've tried making payments but this whole time was told I couldn't until the paperwork was processed. Finally I spoke with XXXX XXXX who has been following up weekly. She told me she'd escalate the request and also scheduled my 4 months of payments which would make me current. The payments were supposed to be pulled by XX/XX/XXXX. I advised this was not done she stated they switched payment vendors and would make sure it was pulled. As of today no payments have been taken and my modification was rejected again even though XXXX stated there were no issues and she'd escalate to her manager. I'm not in default with no updates besides multiple reps looking into it. I have the funds to cover XXXX through XXXX but Mr Cooper has not taken the payments even though I have the email confirmations and my loan modification still isn't completed. I'm sure I'll be contacting about foreclose proceedings soon and don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Received a new letter for an increased amount of XXXXXXXX Citibank in IL closed my DC account, and still has yet to respond to my initial complaint. 

This is harassment on a person with disabilities. This is also not acceptable due to my status as a federal public official ( past ).

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