vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I previously made a cfpb complaint about overdraft fees charged to me when I have not authorized overdraft payments. Please see cfpb complaint # XXXX and the feedback I provided for more details. 

In their response, M & T Bank claims that I authorized overdraft payments. ( See the document " XXXX XXXX XXXX Resolution Package '', page XXXX ) However, the information I simply obtained through the M & T website for my account shows that I did not authorize overdraft selections and that this choice was made long before the overdraft charges. ( See the document " M & T Overdraft Selection '' ). This is the only selection regarding overdraft fees that is accessible through their website.

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 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I am with PHH Mortgage I was in a loan modification for XX/XX/year>. I made my first payment and my second payment was {$25.00} short when I noticed that I did mail it off within the next week. However, Im thinking due to the mail being delayed it was not received on time. I was not told that until they returned my payment in the mail, and I was taken off my loan modification, which is now causing me to be delinquent and have to pay my previous balance of penalties. I was told by a representative that there was not a problem because it was only {$25.00}. however, they did not take that payment and I was taking off of the modification. I have been in my home for 20 years and I have had some hardship. I do not want to lose my home. I do have some funds saved up, but not the total amount thats due at this time I would just like to know if theres something or someone that can assist me or give me some information to proceed. 
I was just told that I was not going to be taken off of the loan modification from my representative but within the next month I was taking off of the loan modification.

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 2024-02-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been an XXXX XXXX XXXX XXXX  and a XXXX XXXX XXXX XXXX for about XXXX yrs. I recently started working partime as a XXXX  so I could focus more on my business as a XXXX XXXX XXXX XXXX. NFCU denied my mortgage loan because they said my income has decreased over the past yrs despite that I have excellent credit, make over XXXX per year, and I can afford to pay for the loan. I really feel that Im being discriminated against. Why did they pre approve me for the loan and wait until the last day of underwriting to tell me this? They were aware of my income and job situation when I was pre approved!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
All three major CRAs Transunion, XXXX and XXXX unlawfully reported personal non public information without permissible purpose violating 15 U.S Code 1681 ( b ) Permissible purpose : ( 2 ) In accordance with the written instructions the consumer to whom it relates. I did not and do not consent to the reporting of this non public personal information which is a clear violation of the FCRA. Also P.L 90-321 ( 82 Stat. 146 ) that states you can only make reports without my written instructions to head of state or local child support agencies. XXXX is also violating section C of the code : Requirements relating to information contained in consumer report. ( b ) No Consumer Reporting agency may make any consumer report containing any adverse item of information other than records of convictions of crimes. XXXX, et al transaction and experiences between consumer and Credit card companies without my wriiten authorization XXXX XXXX al, used my personal, private information without my knowledge or consent, and according to 12 U.S Code section 1022.3 Identity theft is a fraud committed using the identifying information of another person without authority. Anything added to my consumer report without my written authorization is identity theft. Lastly, XXXX et al, is liable according to 15 u.s.Code 1681n- Civvil liability for willful noncompliance. ( a ) in general -any person who willfully fails to comply with any requirements under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages to less than {$100.00} and not more than {$1000.00}. ( B ) - in the case of a liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. XXXX, knowingly and willfully violated my rights and caused harm to me causing me to not be granted credit and lowering my credit limit by reporting adverse personal information.

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
All three major CRAs XXXX, XXXX and Equuifax unlawfully reported personal non public information without permissible purpose violating 15 U.S Code 1681 ( b ) Permissible purpose : ( 2 ) In accordance with the written instructions the consumer to whom it relates. I did not and do not consent to the reporting of this non public personal information which is a clear violation of the FCRA. Also P.L 90-321 ( 82 Stat. 146 ) that states you can only make reports without my written instructions to head of state or local child support agencies. 
XXXX is also violating section C of the code : Requirements relating to information contained in consumer report. ( b ) No Consumer Reporting agency may make any consumer report containing any adverse item of information other than records of convictions of crimes. XXXX, et al transaction and experiences between consumer and Credit card companies without my wriiten authorization XXXX et al, used my personal, private information without my knowledge or consent, and according to 12 U.S Code section 1022.3 Identity theft is a fraud committed using the identifying information of another person without authority. Anything added to my consumer report without my written authorization is identity theft. Lastly, XXXX et al, is liable according to 15 u.s.Code 1681n- Civvil liability for willful noncompliance. ( a ) in general -any person who willfully fails to comply with any requirements under this sub chapter with respect to any consumer is liable to that consumer in an amount equal to the sum of : any actual damages sustained by the consumer as a result of the failure or damages to less than {$100.00} and not more than {$1000.00}. ( B ) - in the case of a liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. XXXX, knowingly and willfully violated my rights and caused harm to me causing me to not be granted credit and lowering my credit limit by reporting adverse personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: GA

Complaint narrative:
Subject : Cease Unauthorized Credit Reporting Immediately - Notice of Legal Violations Dear XXXX, I am reaching out to address a concerning matter regarding the unauthorized reporting of information to my credit report, which contravenes the Fair Credit Reporting Act ( FCRA ) and Georgia identity theft fraud laws, specifically under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as relevant Georgia statutes . 

It has come to my attention that XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, a clear violation of federal and Georgia laws. Under the FCRA and corresponding Georgia statutes, consumer consent is an absolute prerequisite for any such reporting activity. 

Furthermore, Georgia identity theft fraud laws emphasize the seriousness of unauthorized access and misuse of personal information, further solidifying the gravity of this situation. 

I assert unequivocally that I have not provided consent for XXXX  to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, with potential repercussions for my creditworthiness and a blatant disregard for federal and state laws. 

I demand, with absolute certainty, that XXXX immediately halts any further reporting of information to my credit report without obtaining my explicit consent, as mandated by the FCRA and relevant Georgia laws. Failure to comply within the stipulated 30-day timeframe will be deemed as willful noncompliance, subject to penalties under applicable laws, including Georgia identity theft fraud laws. 

Compliance with these legal obligations is not negotiable ; it is imperative for protecting consumers from unauthorized and damaging credit reporting practices. 

I anticipate your prompt attention to this matter and expect that XXXX will rectify these violations swiftly, respecting my rights under federal and Georgia laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Promissory note separated from deed at the closing XXXX, invalidating secure transaction status ( unenforceable debt ). XXXX bank original servicer changed loan number XXXX weeks before transferring servicing to Nationstar XXXX. Nationstar created an entire new ( illegal ) loan with this new loan number and began servicing. On XXXX Nationstar recorded a fraudulent forged assignment at XXXX XXXX recorders office, and in XXXX bankruptcy court to facilitate foreclosure proceedings. Nationstar once again created a new ( illegal ) loan as shown on the ledger. Attorney for Nationstar foreclosure firm XXXX XXXX XXXX is directly involved with this fraud, and can be proven. I also have evidence of a possible forged promissory note. Separate complaints are to be filed on the XXXX attorneys that filed the forged assignment. The document company that produced the forgery is XXXX XXXX XXXX in XXXX XXXX, XXXX and has also already had sanctions filed by regulators. I have documentation available for your inspection upon request. Nationstar loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting 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:
I am writing to inform you that there is 100 % improper use of the credit report Attached to the SSN TRANSUNION AND XXXX have 1000 % violated the FCRA AND I IM HIGHLY XXXX  ABOUT THIS, 15 U.S. Code 1681 states thats companys are to report accurate information across all 3 bureaus on the credit report and dates are not accurate across all XXXX bureaus I have enclosed proof highlighted, attached below, I want all these fraudulent incorrect XXXX accounts and inaccurate inquiries from the credit report with no fraud remarks or disputes comments remarks left on the credit report within XXXX of receiving this, yes I want the entire accounts fully whipped, attached below are proof supporting this statement,15 USC 1681 section 2 Also states company can not furnish a account without my written consent and I never gave any consent, section 602 also states I have to right to privacy.As instructed on your website Ive also enclosed documentation providing proof of my current address, social security, drivers and driver license. 


XXXX Account # : XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX Account # XXXX XXXX Balance : {$660.00} XXXX XXXX  Account # : XXXX Balance : {$9600.00} XXXX XXXX  Account # : XXXX Balance : {$710.00} INACCURATE INQUIRIES THAT NEEDS TO BE REMOVED! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXX/XX/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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
At the end of year XXXX I did summit a dispute to reinvestigate with the three credit bureaus about incorrect information on my credit report from company XXXX XXXX XXXX, account # XXXX. I inform them about discrepancy between the three credit bureaus, for example on XX/XX/XXXX XXXX report XXXX XXXX, XXXX on tima and Experian on time. XXXX report account on time on months XXXX, XXXX and XXXX when Experian and XXXX reported as closed on XXXX, they return the dispute as verified stating that " the account meets requirement of the Fair Credit Reporting Act. '' The account has errors in the payments history and does not match if is compared between three credit bureaus so the account " does not meet the requirement of the Fair Credit Reporting Act ''

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 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have two cards with Capital One and I sent coupon payments for both cards with certified mail, so I received the green receipt cards when they received the mail, less than a month after that Capital One restricted both cards. One of the cards Ive had for several years and the other maybe four months. But I pay my bills once or twice a month. I spoke with two agents and both admitted my good paying history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland credit management XXXX
These people  keep  calling me harassing me.  And sending  letters  under someone else's  name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Subject : Validation Letter Regarding Removal of Late Payments from Credit Reports XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XX/XX/2024 XXXX XXXX Equifax Dear Sir/Madam, I am writing to dispute the late payment entries on my credit report. I have recently reviewed my credit report and have identified several late payments that are inaccurately listed on my account. These late payments are negatively impacting my credit score and do not accurately reflect my credit history. 

I am requesting that these late payment entries be thoroughly investigated and removed from my credit report as they are not a true reflection of my payment history. I have always been diligent in making my payments on time, and these late payments are erroneous and damaging to my creditworthiness. Ive never been late I kindly request that you conduct a thorough investigation into these inaccuracies and provide me with a written explanation of the results. I believe that once the inaccuracies are rectified, my credit report will more accurately reflect my credit history and financial responsibility. 

Please provide me with information on the steps being taken to investigate this matter and the timeline for resolving this dispute. I am looking forward to a prompt resolution to this issue and the removal of the inaccurate late payments from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX : XXXX All rights Reserved w/o Prejudice

Company response to consumer: Closed with explanation