vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XXXX RE XXXX XXXX XXXX XXXX Ca XXXX, MR Cooper loan number XXXX XXXX XXXX XXXX I wrote and spoke with Mr Cooper in XX/XX/XXXX telling them that a lien threatening the property had been served upon us from the XXXX XXXX XXXX for some XXXX that had not been cleared with the last refinance some 10 years prior. Despite this Mr Cooper did nothing. I reached out again on XX/XX/XXXX as the city has again contacted us and aid that this lien has not been paid and is growing and that they are way over due on calling the loan in. Mr Cooper acknowledge the same on 10-19 and promised a response by XXXX to me. I am not on the loan with XXXX, but hold title and further actually electronically make all the payments on this loan. I say this because they wrote, and will say, ( that because of " privacy issues '' they have not responded. Both XXXX and attorney XXXX XXXX is authorized and further, I am contacting them about title not payment and account issues that I already pay ). I have asked for their assistance and position on executing the title insurance policy that I paid for and provided them upon the last refinance of the home that would also place them NOT in a 3rd position, but in the first security position. Certainly, they should want this. They have continued to ignore me. I have noticed the XXXX XXXX dollar XX/XX/XXXX settlement as well as many others showing what I believe is XXXX " purposeful manufacturing of mortgage defaults on consumer loans and this is causing me great stress and harm with the constant threat of foreclosure. I feel very strongly that as a servicer, Mr Cooper as a servicer has an absolute responsibility to maintain an environment of clarity and safety to consumers and not try to again go back to the old days and hope and wait for us all to walk away from our homes out of frustration.. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian ... 

I have tried many times to log on and can not. Suddenly they do not recognize my birthdate, social security number, email and pin number. I have tried to reach a speaking human being because the " help signing on '' section of their website can't recognize me at all. Their automated phone call answering system does notifier the opportunity to talk to a human, and their automated answering service does not offer human connection options. so my question it, " Now what? ''

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 2022-01-19 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX WS XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL 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 2022-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my checking account on XX/XX/2021 for no good reason after 10 years of business relationship. As soon as I found out, I called the bank and ask to send my account balance check {$520.00} to my mailing address in XXXX XXXX. I waited almost one month not receiving the check, so I called the bank today ( XXXX XXXX ). The bank customer service told me the check was sent to my home address in XXXX instead so I have not received the check. She also told me I have to wait for 120 days to get another check. Due to pandemic I dont live at my home for almost 2 years and I can not get the check and I need the money badly since Im a retired senior. Can you help me to get my check {$520.00} from Bank of America ASAP?

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 2022-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IN

Complaint narrative:
I was contacted by I.C. Systems, Inc., a debt collection service regarding an unpaid XXXX bill in the amount of {$2300.00} for a XXXX XXXX. I do not know who this person is and is not me and after explaining to I.C. Systems, Inc., this was not me, they said they were aware of this and demanded I pay anyway. I was told I was chosen because they thought I would give in and pay and had good credit even though I was not XXXX XXXX. Further, the bill was not even for a state that I have ever lived in and I have never had a XXXX account. They did not care and threatened me with damaging my credit by notifying the credit bureaus and that they stated they knew they could not sue me as I could prove my identity. All calls stopped after I refused to pay for some other unknown party and they marked my credit report. I tried to dispute but they refuse to remove even knowing that this is not my debt nor anyone I have ever known or met in my life. This is true abuse of their position.

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 2022-01-19 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: AL

Complaint narrative:
I have written letters as well as sent copies of report to bureaus with police report and explaining my finding out there were issues on my credit because of identity theft. The bureau have NOT furnished Any proof of verifiable evidence that these accounts/inquiries/info is mine via signatures, contracts or a person named that can testify in court that the person authorizing these items was me. The consumer credit laws states that due to lack of these verifications- Information, accounts, inquiries and/or records MUST be deleted from my report immediately! I am a doctor trying to improve the health and welfare of our country by partnering with the government via contractual plans and this lack of cooperation is delaying our goals.

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 2022-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CO

Complaint narrative:
Crypto.com is withholding my money. I have chat transcripts showing they blatantly lied to me and making it impossible to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The following accounts are NOT mine. There must be a social security number mix up or a name alias issue. I have never applied nor authorize anyone to open the following accounts. Please delete from my credit asap! I have attached a screenshot of the two accounts. 

- ComenityBank/XXXX - COMENITYBANK/VICTORIASECRET

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-20 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: VA

Complaint narrative:
Pursuant to 15 U.S code 1681b ( a ) ( 2 ) I am aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. Please provide the written instructions that I, the consumer, gave to XXXX which has authorized the furnished information. If you can not provide me with these instructions written, this has been a fraudulently made consumer report using my identifying information. 

XXXX. Addresses : XXXX XXXX XXXX XXXXXXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX, XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. Phone number : 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. XXXXXXXX XXXX XXXXXXXX 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 2022-01-20 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WS XXXX XXXX XXXX, XXXX XXXX SOC SEC  # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX TER, XXXX XXXX, FL 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 2022-01-20 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows XXXX XXXX XXXX XXXX XXXX CPW XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WS XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: OH

Complaint narrative:
Reviewed my credit report and noticed my student loans are not reporting correctly for 2021 and my loans are deferred now, but it is showing my loan payments are late and it is affecting my credit score and holding up the process of me purchasing a home. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these late payments must be investigated or deleted from my credit record within 30 days and updated. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Accounts : DEPT OF ED / XXXX XXXXUS DEPT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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: OH

Complaint narrative:
Reviewed my credit report and noticed my student loans are not reporting correctly for 2021 and my loans are deferred now, but it is showing my loan payments are late and it is affecting my credit score and holding up the process of me purchasing a home. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these late payments must be investigated or deleted from my credit record within 30 days and updated. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. 
Accounts : DEPT OF ED / XXXX XXXXUS DEPT OF EDUCATION 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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I presented proof showing that information that they are reporting is inaccurate, but continues to report the inaccuracies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
XX/XX/XXXX I was able to get in my account earlier today. Around XXXX PM. I made an attempt to get in my account and was not able to. When I made it home I attempted to look at my online banking and could not access it. I contacted the XXXX number and was told my account was closed. When I asked why the guy said he did not have a reason as to why. I explained to him that my direct deposit is scheduled to go into this account on Friday and I needed to have access to my money. I have another account that is overdrawn and planned to fix this account with my bonus check on next week. I explained to him that the other account was overdrawn due to them making payments when funds are not available and I turned off my overdraft on that account to keep it from going into overdraft. The guy explained that if my direct deposit comes to the account that a check would be mailed out to me. And if it is already closed it will return to the company. I am not understanding why my account was closed. I just received a letter saying that if i don't bring the other account current by my next statement that my account would be closed by next statement cycle. I just received that letter on yesterday and it is dated for XX/XX/XXXX but I had plans to fix the account this pay period and next week.

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 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Finance of America Holdings LLC
State: CA

Complaint narrative:
I had 2 refinances with two single family home properties in XXXX. Upon signing closing docs, I was given a first payment doc from FofA, which included the loan/account number. After the close of escrow on these two properties, I made 2 payments ( 1 for each property - {$900.00} and {$670.00} ) on XX/XX/2021. Unfortunately, I received a call from FofA ( around XX/XX/2021 ) to return their call. I returned their call, same day and the rep didn't know why they called. However, at this time, she showed that there was a late payment. I told her that I paid the mortgage payment and she said to give it a few days to process. 

A week later, I received 2 more calls. I returned their call and was told they never received the payments. I told them I did make the payments to the account numbers that were on my first payment doc I received from closing ( FofA ). She told me my new account number and said FofA changed the numbers after the close of escrow. FofA never notified me. I told her that I paid both payments to the original account number. She said she'll note the files they will start an investigation, but not to do anything. 

A week later, I received another call from FofA and wanted to know where my payment was for XXXX. I again explained and she said to email the cashed checks to the support team and that it will take 5 days to respond, but they will not report any late payments to the credit bureaus since it's under investigation. 

I emailed the cashed checks to both properties, to the support center and called them to confirm they received it. They indicated it will take another 5 days to process, again told me they will not report to the credit bureaus. 

Last Sunday, I find out FofA reported both property accounts as 30 days past due to all 3 credit bureaus. I called first thing on Monday morning, asking what happened. They assured me they didn't do anything. I spoke with 2 supervisors and they, too, indicated they don't show that it was reported. However, I have my credit report as proof and both checks were cashed XX/XX/2021 by FofA. They still claimed my account is still under investigation. 

I tried disputing both accounts through the credit bureaus with proof of the cashed checks and XXXX came back indicating FofA confirmed the 30 day late report. So FofA isn't even looking at the proof that I'm sending to them. To this date, my credit has been destroyed by these horrific actions. 

I want my accounts corrected AND all 3 credit bureaus corrected to show no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.

Complaint narrative:
Hi, I signed in : https : //www.coinbase.com/ in this month, all fine, i put pays methods and i bought a lot of money in XXXX, around {$3500.00} mxn, and then, today i tried to extract my money and i can't because XXXX says that my account is restricted ( without any reason ), and for that reason i can't add a withdrawal method. 

i tried to contact coinbase without success, i looked for information in internet and i applied some " Methods '' to fix the problem and unsuccessful, and for that reason i'm here.

Company response to consumer: Closed with explanation