vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National credit systems came after my husband and me for an alleged debt that we do not recognize or find fair and proceeded to dispute it. we asked for the debt to be verified and validated according to our rights but instead kept receiving documents and a letter stating that this alleged debt was " validated by the original creditor '' which does not provide us with any proof of owing this alleged debt, but instead kept ignoring our request for proper documentations and asked us to provide them with documentations. They also stated in their letter that they would delete or not report any of this to the major credit bureaus while in dispute which was untrue as they did and now our credits are being affected for a debt that has not been validated or verified according to our rights. We have sent all certified mail and kept copies of their response specifically stating that they would delete or revise all reports they might have made to the credit bureaus and instead failed to do so without any written notice. This has caused my husband and me a lot of stress and damage as we were in the process of attempting to purchase a property. This is in clear violation of the Fair Credit Reporting Act ( FCRA ) of the Agency 's failure to follow guidelines for handling disputes. as well as Failing to send us notifications about our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
Line of credit open in my name without my consent by a perpetrator that is unknown. A clear act of identity theft with me as the victim. This is a complaint since there were not proper enough checks in place to keep this from happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: WI

Complaint narrative:
I got a loan from XXXXXXXX XXXX  in XX/XX/XXXX, after 1 month they sold it to Stone Gate, my mortgage payment was {$990.00} ( principle interest escrow ). After a year they sold it to Home Point XXXX  I was paying this amount till XXXX when i sing up to pay the taxes in my own. Since XXXX I`m paying {$600.00} ( principle and interest ). In XXXX of XXXX Home point split in 2 diffrent company and since XXXX of XXXX all my payment of {$600.00} wasn't recorded as mortgage payment and they are saying that i didn't made monthly payment and they are charging late fees and extra interest. I never missed a single payment. I been calling in last 2 months but not able to fix the problem, any time i called they give me diffrent answer. English is my 2nd language and i strongly belive they are using that to there advantage. I have pulled all the records from city for property taxes and all records from bank that i made the payment but nothing satisfied them. I`m hope lease and I`m afraid that they will take my house way and i`ll be home lease. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I checked my credit report and I was denied credit limit increase on my XXXX card because of too many inquiries from XXXX XXXXXXXX and BMO harris bank and I have duplicate inquiries from XXXX XXXX and 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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all 3 Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. XXXX sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2022-11-03 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The Credit Bureaus are aware that there has been unauthorized activity using my credit profile. I have issued fraud alerts with all XXXX Bureaus to ensure that proper verification is used when applying for credit. I have disputed these inquiries with the Credit Bureaus and the creditor grantors. XXXX sent back written response explaining that all inquiries are a matter of fact and will remain to affect my credit report for 2 years ( see attachment 's ). I have submitted a complaint with the Federal Trade commission Claim number XXXX ( see attachment ). These inquiries are unauthorized without permissible purpose I want these hard inquiries removed from my consumer profile immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Experian failed to investigate my dispute towards an account. They have failed to verify and also did not send me any method of verification on the account. it's been too long and I've received no response! before they would send stall letters, now they did not send anything at all.

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 2022-11-03 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Every summer I go on a trip to XXXX XXXX to visit family and friend and 4 months ago, I went on a trip to XXXX XXXX for vacation and since I spend half of my time there and of the international fees I decided to open an account with a local bank there ( XXXX ) and stop using my Wells Fargo debit card. I left on XX/XX/XXXX and came back in XXXX and while I was at the airport I tried to my Wells Fargo debits card to call an XXXX but my card got declined so I decided to look into my zipper bag in my luggage which where I keep my debit card but I couldnt find it so I ended calling a friend to come pick me up and when I got home I saw a Wells Fargo letter saying my account is close. I immediately went to the nearest Wells Fargo XXXX and a lady told me my account got closed because I didnt have enough money in it for a certain period of time. I paid the money I owed which was XXXX dollars and opened a new account I asked the lady if I can see my old account summary but she said once an account is closed Wells Fargo cant go through it no more. I went home that day and call IRS to track my taxes and realized my XXXX XXXX dollars check has been deposited in my account since XXXX. I called Wells Fargo bank again and talked to a guy named XXXX he told me he has checked my account and said all the money has been withdrawn at an Atm around the XXXX of XXXX which was about XXXX XXXX dollars. He asked me if I wanted to open a claim I said yes and ended up opening a claim. XXXX week later I received an email saying my claim has been resolved and that I should be receiving a letter and since I didnt receive nothing I called again today and another guy name XXXX told me my claim go denied, and told me they believe the transaction was made by me or someone authorized by me. I am currently out all my savings Im a single parent i also I have XXXX kids to take care of and my youngest is still a baby and I have no idea what to do right now.

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 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I made a mortgage payment of {$1200.00} on XX/XX/22 through my bill pay like I've been doing for years only now it's going to Mr Cooper instead of XXXX XXXX I was told by a Mr Cooper employee to not make the payment until that date, so I promptly made the payment on that date. The next day I noticed that the payment would not post until XX/XX/22 which would make it 1 day late. I have not been late on any payments to anyone in the last XXXX years so that didn't sit well with me already. After calling Mr Cooper, I was told they're allowing a 60-day grace period on any payments from the XXXXXXXX XXXX transferred accounts. Then the money was deducted from my bank account on XX/XX/22 ( upload below ) but was never posted to my loan until XX/XX/22 ( upload below ) and when I called to address the issue I was asked if I wanted to bring my account current by the customer service woman. Even though they're claiming they're offering a 60-day grace period at {$21.00} a day of interest on the loan, that equates to an additional {$170.00} of interest that's now been charged to my loan balance. I was also told by my bank that the delay of the electronic BillPay was because Mr Cooper specifically requested a check be mailed instead of accepting the electronic Billpay payment they claim they accept on their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I have a 15 year mortgage in which Rocket Mortgage is the servicer. The loan is escrowed and hazard insurance is paid by the servicer. 

Rocket has sent me the following letters which they have indicated they intend to charge me a fee of {$100.00} for lack of coverage : - XXXX XXXX Lapse Second Letter - XXXX  : dated XX/XX/XXXX - Lapse Coverage Cancelled & Lapse Charge Due Letter - XXXX XXXX dated XX/XX/XXXX In Response, I reached out to insurance provider ( XXXX XXXX ), received evidence of coverage, and loaded to Rocket Mortgage Portal on XXXX XXXX. 

I have since reached out to Rocket Mortgage on several occasions to check to see if resolved via email, chat and phone. I have been unsuccessful in getting Rocket Mortgage to acknowledge or worth with Insurance Provider to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SELF-REPORTED XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Collection XXXX XXXX - Collection XXXX XXXX XXXX - Collection XXXX XXXX XXXX XXXX - Collection XXXX XXXX - Collection XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXXXXXX 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 2022-11-03 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This company fails to do their job to validate this debt but continues to report this information on my credit report. I demand this information to be deleted from my credit report if they can not provide proper debt validation.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Line of credit open in my name without my consent by a perpetrator that is unknown. A clear act of identity theft with me as the victim. This is a complaint since there were not proper enough checks in place to keep this from happening.

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 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was applying to see what I was preapproved for with XXXX XXXXXXXX with the understanding that it would not affect my credit and I would not receive a hard inquiry. I received a hard inquiry and my credit score decreased.

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 2022-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Google Compare Credit Cards Inc.
State: LA

Complaint narrative:
I had an account with XXXX XXXX in XXXX of 2022. I canceled it the following week because I couldn't receive service. I Called them to see how to return devices was told I could not return because it was financed through synchrony bank. Was told I would get XXXX more bills which I got in XXXX and XXXX. Received a noticed balance was paid in full and they owed me {$29.00} refund. Well didn't receive a bill or email and they charged my account {$490.00} on XX/XX/XXXX. Called customer service several times and just getting these generated answers. No one can tell me when I received this bill. Asked to speak with a supervisor several times and received generated emails back. They do not have a supervisor that can speak over the phone. When called back they said I did not get a bill because it's on their website. I couldn't use their site since I canceled my service in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.

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 2022-11-03 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: GA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXXXXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$160.00} ; XXXX XX/XX/2022 ; XXXX XXXXXX/XX/2022.

Company response to consumer: Closed with explanation