vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is reporting unverifiable information to the public which is damaging my character and well being and quality of life, I have been going back and forth fo years now for them to do their job correctly. I have an unauthorized inquiry XXXX XXXX XXXXXX/XX/2021 & Account XXXX XXXX XXXXXXXX that needs to be removed. I have attached all supporting documents. 
Please be advised, our records indicate XXXX XXXX contacted the XXXX Consumer Center directly via phone on XX/XX/2021 alleging the inaccurate reporting of bankruptcy records listed in his file. XXXX located the bankruptcy records he is questioning and initiated a dispute of the said records on his behalf. This reinvestigation was resolved on XX/XX/2021. During our reinvestigation, XXXX removed dismissed bankruptcy records case numbers XXXX, XXXX, XXXX, and XXXX from consumer reports prepared by XXXX XXXX XXXX XXXX XXXX. A resolution letter outlining these results along with an updated consumer report was mailed to XXXX XXXX 
XXXX directly for his review.

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 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
i HAVE CONTACTED ALL XXXX CREDIT BUREAUS AND FILED DISPUTES REFERENCING RESURGENT A CREDIT COMPANY WHICH BOUGHT AN ACCOUNT I HAD. APPARENTLY THE ACCOUNT WAS PURCHASED TWICE AND THE AMOUNTS ARE DIFFERENT. THEY ARE REPORTED DIFFERENTLY ON MY CREDIT AS XXXX DIFFERENT ACCOUNTS AND XXXX DIFFERENT AMOUNTS. I HAVE REQUESTED THE ORIGINAL DOCUMENTATION FOR THE ORIGINATION OF THE LOAN AND THEY HAVE NEVER PRODUCED SUCH. THEY JUST WAIT A FEW MONTHE THEN RESUME WITH COLLECTIONS. THEY HAVE GOTTEN MORE AGGRESSIVE MORE RECENTLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I keep telling Experian that XXXX XXXXXXXX XXXX that was opening on XX/XX/2017 isnt my account I never gave them permission to open account in my name I disputed multiple times and they still havent done nothing with this account as far as deleted it off my credit report. They always sold my information without my consent, so this is no longer my 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 non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Received offer from CITI Bank relate to a bonus for opening a new checking account with new funds. I opened and made deposit into new checking account on XX/XX/XXXX. The terms of the agreement stated : " within 90 days The Cash Bonus will be credited to the open eligible checking account ''. It has now been over 6+ months. I've called and spoken with numerous customer service representatives. Each time, was provided with conflicting information. After no updates, I went into a local branch on XX/XX/XXXX and voiced my concerns again. They took down my report, apologized, and said I can expect to have the Bonus deposited within a week. Still nothing to this day. So today, XXXX XXXX, XXXX, I called and after going through several of their customer support agents, I'm still left without any answers. I'm not being provided with any information as to the cause, or as to when I can expect them to meet the " terms & conditions '' they've set as part of the agreement. I have not been able to even reach a supervisor. It has been a very poor customer service experience.

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 monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THIS CREDIT BUREAU IS REPORTING THE WRONG NAME AND ADDRESS ON MY CREDIT REPORT. I ONLY HAVE XXXX NAME WHICH IS XXXX XXXX XXXX. MY ONLY ADDRESS WHICH IS XXXX XXXX XXXX, XXXX XXXX, MD XXXX. ANY OTHER NAME AND ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT NAME AND ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS OR GONE BY ANY OTHER NAME. ANY OTHER NAME AND ADDRESS IS INCORRECT AND NEEDS TO BE DELETED.

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 2023-02-08 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:
In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 602 A States I have a 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 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Our mortgage was sold to Nationstar Mortgage LLC d/ba Mr. Cooper late last year, 2022, and they have force placed insurance on our mortgage. We have attempted to upload more than six times our updated flood insurance information only to receive every time an error message " Email input error. '' Their website address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have tried to upload the documentation in .pdf regular and compressed format in addition to .jpg format all receiving the same error on multiple different dates from multiple computers only to receive the same error message. I emailed the policy documentation to Mr. Cooper at XXXX and also to XXXX and have never received an acknowledgment of receipt or any type of response. Our insurance company, XXXX XXXX XXXX, advised me that they faxed the updated flood insurance policy information requested to Mr. Cooper as well. I have called Mr. Cooper. I have chatted with Mr. Cooper. I have emailed Mr. Cooper. There is absolutely no assistance or resolution for this. I was simply told that they would research this and get back to me within 5 to 7 business days. I filed a complaint with the Better Business Bureau and attached to the complaint the requested proof of flood insurance. Mr. Cooper simply recently responded with a letter asking me for the email address of where I sent the proof of flood insurance as they have not received it and they still will not remove the force placed insurance. The complaint filed with the Better Business Bureau against Mr. Cooper had the proof of flood insurance attached to it so they do absolutely have the necessary documentation to resolve the problem and cancel the force-placed insurance policy placed on our mortgage. They are denying that they do not have the documentation by simply asking me for the email address that I sent it to and saying they have not received it. They have taken money from our escrow account and used it to purchase a policy of insurance that we do not need and did not authorize them to purchase. It is unethical. I can not believe they are doing this sort of thing to their customers. Back in 2014, there was a class action suit against Nationstar for force placing insurance on their customers. Unbelievable that Nationstar is now doing it to their customers again under a new name, Mr. Cooper.. I have NEVER had an insurance company conduct business in this manner. I posted on their XXXX page about the problem earlier this week and they advised to call them for help. I decided to call to give them another opportunity to fix the problem and all I got was we are researching the issue and can not help you at this time. No customer service whatsoever. Worst company I have ever had the pleasure of dealing with on our home mortgage and we can not do anything about this because they bought our mortgage so we are stuck with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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:
I have paid off the debt owed to XXXX XXXX XXXX as acknowledged by XXXX themselves as you can see in the letters they sent me which I have attached as well as proof of my payments. However, Experian has not updated their records to reflect this and is instead showing my account as Derogatory and in collection/chargeoff status. This is untrue. As you can see XXXX and XXXX have removed the account altogether. 

It is illegal to report false information that results in financial injury, such as in this case. The account is not derogatory. And I am not in collections nor chargeoff. The account has been paid! It has been paid since XX/XX/2022. Their current status is hindering my credit severely which is leading me to sever financial distress. I'm getting denied for everything ( credit cards, mortgages, loans ). This is ridiculous. I made over {$100000.00} in XXXX. What do I have to do to get approved for a measly credit card? Make 10 Million!? Please excuse my frustration, it is very aggravating when you have dealt with this lingering black cloud for years and then you finally pay it off but the black cloud still won't go away!!!

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 2023-02-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX, XXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact Capitol One. Capitol One was not able to prove I was a personal guarantor, because I was not a personal guarantor. This amounts to fraud by Capitol One. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both XXXX and XXXX are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX from 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 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 non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I have hit the 120 payments required for public service loan forgiveness. I filed for forgiveness in the beginning of XXXX and still have not received the forgiveness. Due to the terms of the PSLF program, I am unable to leave my employment until the forgiveness is processed. Mohela has told me that they and DOE may take an additional 90-180 business days to complete the forgiveness. It is costing me better employment opportunities to be stuck in this position after I have already completed all of the necessary terms on my side to get forgiveness and have already waited two additional months for processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Ive been banking with Wells Fargo since 2015 and I believe that I am part of the lawsuit where Wells Fargo has incorrectly over drafted or frozen my account during these last 8 years. Since being married I had to change emails and had name change so I want to be sure if I am eligible that I can be compensated appropriately.

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 2023-02-08 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: GA

Complaint narrative:
Unauthorized hard inquires : XXXX XXXXXXXX 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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called The General that XXXX and Transunion yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report

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 2023-02-08 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Several attempts have been made through the 3 major credit bureaus 's and cfpb to attempt to recieve vadilation of debt for a unknown company that neither agencies have been able to present proof or vadilation of debt the cfpb referred matter out to the ftc and i still have not recieved a correspondence and its been well over 90 days that i recieved vadilation of debt from the 3 major credit bureaus for the company called XXXX XXXX that XXXX and XXXX yet to provide validation of debt per law there is a time limit that vadilation haves to be sent to consumer and yet its not recieved or removed from my credit report

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 2023-02-08 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: NY

Complaint narrative:
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 recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act convergent these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent

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 2023-02-08 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXXXXXX XXXX account XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I filed a complaint with the Federal Trade Commission and was directed to CFPB. 

SHELLPOINT HAS RECEIVED SIMILAR REQUEST BUT SHELLPOINT HAS NOT ADDRESSED THE QUESTION IN LEGAL MANNER. 

Shellpoint claims that the XXXX and XX/XX/2022 mortgage statement is different because the XXXX  is for XXXX XXXX XXXX Now, anyone with any sense knows that a XXXX is supposed to represent XXXX 2022- XX/XX/2022. 

Therefore, SHELLPOINT HAS NEVER EXPLAINED WHY THE 2022 XXXX AND MORTGAGE STATEMENT PRINCIPAL ARE NOT THE SAME. 

SHELLPOINT DEFRAUDED ME AND THE CARES ACT BY NOT APPLYING THE MONEY TO MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: CA

Complaint narrative:
I never contracted with XXXX XXXX XXXX. They should not be reporting on my consumer report. I have been patiently working through the administrative process with the company since XXXX. Having this account on my report is causing me distress and wrecking havoc on my credit consumer reputation. It is making it extremely difficult to apply for new cards and even get to a place where I can move. Applications for apartments are not being accepted due to the alleged late payment and this alleged debt that I do not owe. This is identity theft. It is the duty of the bureaus to be reporting accurate information. I don't understand how you were able to remove the hard inquiries associated with the fraudulent account but not the account itself. 

As soon as this is delivered to the bureaus I demand that the account be removed from my credit report. Please see attached document to view a handwritten letter addressing my concerns, and attachments of my process so far including two identity theft reports against the alleged 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 2023-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX STOP THE HARRASSMENT. I HAVE XXXX. 
WHY ARE YOU HARRASSING ME? EXPLAIN WELLS FARGO. 

YOU HAVE BEEN PROVIDED ALL DOCUMENTS RELATING TO MY COURT ORDERED XXXX XXXX WELLS FARGO SETTLE WHY ARE YOU HARASSING ME. 

SEND MY COURT ORDERED CHECK ... CERTIFIED MAIL. 

STOP YOUR HARASSMENT!

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