vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Like many we had job losses during the pandemic. We requested forbearance with our mortgage company XXXX XXXX. We were approved for that. Our loan was then sold to Mr. Cooper fall of XXXX. We reached to Mr. Cooper about a modification to our loan as we are not financially able to pay a lump sum at this time. 

Starting this year, XXXX... We signed papers saying we would make 3 trial period payments and if we did that, they would move forward with the modification. Our first trial payment was XX/XX/XXXX, then XX/XX/XXXX XXXX XX/XX/XXXX. We made all those payments as requested. 

After XXXX, we heard nothing! No email correspondence, nothing sent by mail, no phone calls XXXX nothing about what to do next on our online account. We reached out to Mr. Cooper as we were concerned about how to make our XX/XX/XXXX payment. The person who answered the phone there said they were still in the process of booking the modification and she could take our payment. She said the booking should be done soon. 

Then we came to XX/XX/XXXX and still... .we have heard nothing! No calls, no emails etc. So again, we called XX/XX/XXXX to inquire. Again-we were told they are still booking the modification and they could take our XXXX payment. 

Then we received a call XX/XX/XXXX saying we needed to make another payment??? 
I asked to speak to a supervisor as we had already made a XXXX payment and thus there was no one to help. The person on the phone from Mr. Cooper said we HAD to make another payment to start the booking of the modification. This made no sense to us as to why we were having to make a 2nd payment in the same month. 

Today is XX/XX/XXXX and we were told a supervisor would be in contact with us to help us, and we have received no such call. Also, looking at our account online it does not show any information except that we owe a lump sum of money. No information as to why we still have no modification completed, no calls from them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
2 individual claims with Wells Fargo have been filed : # XXXX for XXXX and the other is # XXXX for XXXX. 

We filed these claims in XXXX and have gotten the runaround from Wells Fargo ever since. 

These two checks ( # XXXX and # XXXX respectively ) were stolen from our mailbox and fraudulently deposited into the perpetrators bank account via an ATM deposit. The bank that cashed the check caught the error and reached out to Wells for resolution. Wells will not give us any information as to what bank this is as we have requested that info so that we can follow up ourselves. 

I have not been able to speak to a live person with any kind of authority to resolve the issue. All calls are routed through a call center and they are basically powerless. The just keep repeating " we have 90 to 120 days to resolve this ''. 

As the consumer and XXXX XXXX XXXX we are hard pressed to float a loan to Wells Fargo for 120 days while they figure out their mess. This should be resolved between the 2 banks while Wells Fargo reimburses us for their error. Instead they are making us - the " little guy '' experience financial hardship. We just want our money back so that we can keep our small business afloat

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 2023-06-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-19 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, and account # XXXX XXXXXXXX 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 : 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 2023-06-19 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX XXXX XXXX XXXX, account # XXXX XXXX XXXX, and account # 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 Section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST CITIZENS BANCSHARES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I paid {$76000.00} to XXXX XXXX XXXX to pay off my partner 's loan with them. This was a gift. The withdrawal was reflected in my bank statement with Silicon Valley Bank ( SVB ). My partner received an email from XXXX on XX/XX/XXXX, saying that her loan was paid off. On XX/XX/XXXX, XXXX contacted her that she now owes {$76000.00} due to a payment reversal ordered by SVB, due to " customer advised not authorized ''. I did not authorize such a reversal. In fact, I closed my account with SVB on XX/XX/XXXX. Per my partner, XXXX reports that the payment reversal was ordered by SVB on XX/XX/XXXX ; I was no longer a customer of SVB at that point. This payment reversal happened 10 months after the payment was completed. When I contacted SVB on XX/XX/XXXX to straighten this out, they said they will investigate it and let me know after 10 business days. On XX/XX/XXXX, SVB told me that they did not have a credit for {$76000.00} in my ( closed ) account. They, however, refused to confirm whether they ordered the payment reversal. We do not know where the XXXX is. XXXX is insisting that my partner pay the loan amount ( with accruing interest ) and they decreased her credit score by placing this loan on her credit. XXXX refuses to place an administrative forbearance on the loan or reverse the credit score/report while the investigation is ongoing. Current status is investigation is still on going.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In XX/XX/XXXX I tried to resolve unwarranted charges with the collection agency Genesis who obtained the debt in question from apartments XXXX XXXX in XXXX Texas. I disputed the validity of these charges but XXXX XXXX nor Genesis was willing to come to an agreement with me to resolve the issue. As a result, Genesis placed the account on collection/chargeoff in XXXX of XXXX. I took an initial hit on my credit score, but as the year progressed my score gradually improved since this was the only negative account in my report. It is now XXXX XXXX and I noticed another drop in my credit score as a result of Genesis making a new report for the same old debt that has had no activity since the XX/XX/XXXX chargeoff. Genesis has changed the reporting date to XX/XX/XXXX as if it was a brand new chargeoff. It is to my understanding that under the Fair Credit Reporting Act, that the agency is not allowed to re-age my account to make the debt appear newer than it actually is. It is my impression that Genesis is using this new dating as an attempt to get me to pay this old debt that I do not rightfully believe that I am responsible for. 

I am disputing the validity of this debt, in addition to the reporting date of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: FC HoldCo LLC
State: VA

Complaint narrative:
XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX - Bank ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX XXXX XXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX FLAGSHIP CREDIT ACCEPTAN Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) 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 explanation
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay.

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 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

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 2023-06-19 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: MS

Complaint narrative:
I did not consent to authorize nor benefit from these account ( s ).

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 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2023-06-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to address fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing distress and concern. I am a victim of identity theft and have taken immediate action to report it. It is crucial to rectify this situation promptly as it has negatively impacted my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation. I am willing to provide evidence and, if necessary, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is appreciated.

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 2023-06-19 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: FL

Complaint narrative:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I received a letter from an alleged credit reporting company that I have never heard of that says it is getting information from the well known credit reporting agencies and is soliciting information from me. 

The alleged company is Innovis and when I called I spoke with someone in the XXXX that requested additional information from me in order to provide me with their " report. '' I have two credit cards and one car loan. My credit reports accounts are frozen with all the well known reporting agencies. 

The phone # is XXXX The company address is per their letter to me : Innovis Consumer Assistance XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: NV

Complaint narrative:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing XXXX XXXX XXXX XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please explain and upload supporting evidence. I have disputed this with the bureaus and XXXX directly and they have not provided proof of debt and I want this removed immediately. account number 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 2023-06-19 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: TX

Complaint narrative:
Please explain and upload supporting evidence. I have disputed this with the bureaus and XXXX directly and they have not provided proof of debt and I want this removed immediately. account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
On XX/XX/XXXX, I woke up and seen that my XXXX XXXX XXXX was missing. My heart dropped because I had a car stolen from my house before. I called the police and reported it stolen. Later that day, the XXXX police told me that my truck has been repossessed. I brought the truck on XX/XX/XXXX from the XXXX XXXX Police auto auction. I paid for it in full and have a clean and clear title. Since they took the truck on XXXX XXXX weekend, I had to wait until that Tuesday to find out what happened to my truck. The tow company told me that the truck was repossessed by Credit Acceptance. I called Credit Acceptance and they told me to send in my title and bill of sale, and they should release the truck in 24-48 hours. I called back in after 48 hours, and was told that they were still investigating. Finally on the XXXX of XXXX, they said I could have my truck back. I told them I had no way of getting it since it was towed out of state. After numerous calls, they agreed to tow my truck back on XX/XX/XXXX. My truck came back with a rip in the front seat. All my families ' belonging thrown together in a big bag. I called Credit Acceptance to see how they were going to remedy this saturation. They told me I had to have a before picture of the seat, which I do not have. I think most people do not keep before and after pictures of their car seats. They are not telling me what they are going to do about me missing work or the car rental I had to do to take my mother to the doctor. I can get the car rental agreement, but the picture of seat or my work information should not be my burden for their mistake.

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 2023-06-19 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Please explain and upload supporting evidence. I have disputed this with the bureaus and Amex directly and they have not provided proof of debt and I want this removed immediately. account number XXXX

Company response to consumer: Closed with explanation