vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I want to start off in saying I have had nothing but issues with this company since my loan was bought out by them. On XX/XX/22 I called Mr Cooper and advised them that the escrow statement I received from them was incorrect. There was no way I was over {$1100.00} in the negative when I had been making my payments on time every other week. The representative looked at the account and stated she had seen where 2 payments were taken out of my escrow account and paid to XXXX XXXX. I asked why that was because I only had 1 policy with them for {$740.00}. He stated she would have to transfer me to a different department but it " should be easily fixed ''. After a very lengthy hold I got another representative on the phone that looked again at my account and stated she saw a fax attached to my account requesting {$1300.00}. I asked if my name or account # was on the fax and she said no, the account # is different. I said then it needs to be fixed on your end. She asked if I would call XXXX and 3rd party her in so she could see where the money went. I advised her that I was not going to do that because I already talked to them and they told me they only received the {$740.00} on my account. They had no idea where the {$1300.00} amount was. She said her system would not allow her to call them. I advised her it was their responsibility to fix the problem. She said there was nothing she could do. At that point I requested a manager. I was placed on hold for approx 25 mins because " no supervisor was available. '' When the team lead from the Insurance Processing Dept ( XXXX ) got on the phone, I explained the entire situation to her and she placed me on hold to check the account yet again. She got back on the phone and advised that she saw the issue but it would need to be reviewed before anything was fixed and that would take 5 business days. I asked why it would take that long to fix their mistake. She stated that was just the process. I told her they really need to rethink their customer service as it is very poor. I took her name and # and told her I would be calling if it wasnt fixed by Monday XX/XX/XXXX. She told me she would call me once it was fixed. I called again on Friday and was told by another representative that the adjustment would take 7-14 days. It is now the 5th business day and my loan is not fixed. I just had my bi-weekly payment get pulled that was supposed to be for {$330.00} and was pulled for {$350.00} and it is higher than my normal payment because of this screw up. I have been more than patient about this. I have gotten a different answer every time I call and at this point feel that I am just being told whatever to get me off the phone. I called again on Monday XX/XX/XXXX and got told it would be 3 more business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with PENN CREDIT CORPORATION. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NJ

Complaint narrative:
5 Clients with possible information Breach Inbox XXXX XXXX XXXX XXXX XXXX, 2022, XXXX PM ( XXXX hours ago ) to XXXX : me Dear XXXX family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and XXXX additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud. 

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : XXXX XXXX XXXX XXXX TransUnion XXXX. You only need to place XXXX fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2022-04-07 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: NJ

Complaint narrative:
5 Clients with possible information Breach Inbox XXXX XXXX XXXX XXXX XXXX, 2022, XXXX XXXX  ( 16 hours ago ) to XXXX : me Dear XXXX family, We are writing to you because of an incident involving access to your physical folder here at XXXX XXXX XXXX. Although we are unaware of any actual misuse of your information, we are providing notice to you and 4 additional clients may have been affected by the incident, and about tools you can use to protect yourself against possible identity theft or fraud. 

What Happened? 

We were informed on XX/XX/2022, about the most recent breach incident. Law enforcement is investigating and asked that notification to customers be delayed allowing the investigation to move forward. 

What Are We Doing? 

Our team is working with all three credit bureaus and can assist you with issuing a fraud alert for you and each potentially affected client. Contact numbers : Equifax XXXX XXXX XXXX XXXX XXXX. You only need to place one fraud alert with 1 of the 3 Bureaus and it transfers over. 

What Can You Do? 


If you have additional concerns and/or questions please reach to our CEO XXXX XXXX XXXX directly at this contact number XXXX For more information on identity theft, we suggest that you visit the website of the Pennsylvania Office of Privacy Protection at XXXX : XXXX -- Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: IA

Complaint narrative:
Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with ACIMA. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
The Credit Bureaus never did a proper " Investigation '' according to the FCRA. The term investigation consumer report means a consumer report or portion thereof which information on a consumers character, general reputation, personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit Bureaus stated my account was properly investigated by how is that possible if the open date is inaccurate, the date last active is inaccurate, and laste last reposted is not accurate. This is ground or removal. They also violated the law because according to 15 U.S.C 1681 section 602A 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 an account without my written instructions. I did not give anybody 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 2022-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
You know, theres always a risk and that understandable but when you're making deals for parts in a forum you hope people are legit, followed the rules and don't ghost you. I was looking for the XXXX XXXX springs and I had posted in the For sale post about the springs. No response right, then I get a message with the email of the guy/girl selling them so I made the inquiry. Get a quick response from [ EMAIL ] XXXX [ /EMAIL ] and tells me the springs are still available. I figured they were gone and i'll take the blame for not verifying more. We made a deal on the price plus the shipping to my location. Both agreed and the money was sent. All seemed to go well. Then later that evening I receive an email telling me that the shipping was much more than expected and was asked for {$50.00} more. HOLD UP, I know theres no way it's {$75.00} to ship those, especially since he originally wanted {$150.00} and then dropped the price to {$120.00}. I responded with " we made a deal and I could have bought them cheaper from a site as we agreed on {$200.00} shipped, send them the less expensive method. '' I then get some response about trying that and they would be shipped out Monday. Well, here it is Wednesday and numerous emails later with no responses. 
The alternate email I have for him is [ email ] XXXX [ /email ] I am assuming at this point I have been ghosted and at a loss. Not sure theres anything anyone can do but I wanted to let the community know of this shady character. 

Here is the Original Thread [ URL unfurl= '' true '' ] https : XXXX [ /URL ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I was contacted by a debt collector called XXXX on XX/XX/XXXX regarding a Commenity ( XXXX 's ) Credit Card Debt. Stating this was from 10 years ago, and defaulted 6 years ago. The called myself, my husband, my estranged brother, and on XX/XX/XXXX my mother in law. 
I spoke with a gal named XXXX and asked for information on this debt, and she couldn't provide it to me unless I told her a number I would be willing to pay to settle this. And once I gave that number I'd be obligated to pay, which I believe re opens the XXXX '. I did had a XXXX 's credit card XXXX years ago, but it was paid off. I have not had XXXX since then. 

The say I owe about {$600.00} to XXXX 's, but now it's over {$1000.00}. I told XXXX I need to talk with my XXXX. We then played phone tag and I finally spoke with her today XX/XX/XXXX after she called my mother in law. She still couldn't give me anything in writing, and tried to use scare tactics of court, sued, garnish wages etc. 

I religiously check my credit report/score and was able to pull mine from XXXX and there was no debt on there, or defaulted debt. I know in Michigan the date debts expire is XXXX. 

I had my social security number stolen, and someone applied for unemployment in my name in the spring of XXXX, so this makes me cautious to pay for something I don't think is mine, or have proof of. Supposedly the attorney helping with this sent me a letter, which I never received. 

The said in my first call they have a pending civil lawsuit with allegations of breach of contract and financial fraud. The amount is {$1200.00} and {$650.00} is from XXXX, but this closed is XXXX. Mind you, I have had other loans and a mortgage and this never showed up. 

They said they attorney they were assisting is XXXX XXXX & XXXX, but i can't find any information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
I applied for a personal loan using Their online process. After many underwriting issues that hours and days of back and forth, I decided to take my rental income off the property. I was asked to re-apply for the same loan minus my rental income because they had a technical glitch after I called a fourth time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: IN

Complaint narrative:
These account review inquiries on my TransUnion credit report I do not recognize. I have not done anything with this company. I would like these removed, even though they do not hurt my credit score.

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/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 explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
XXXX XXXX Equifax XXXX to report my car loan as a closed loan. 

The loan is not closed and the vehicle was not repossessed. 

I have called both XXXX XXXX and Equifax. 

I have disputed it several times I call one and they tell me to call the other. No one will fix it. 

Both other reporting agencies report correctly The account number is XXXX I have paid and continue to pay the loan on time every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have asked LVNV funding twice for debt validation with no response. I also asked the credit bureau to tell me how they verified the debt with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
XXXX Mortgage is reporting that we did not pay for 30, 60, and 90 days- XXXX and XX/XX/22. We OFFERED to pay and we instructed not to pay because the loan modification was changing from a XXXX FHA modification to a NON Residential modification. ( XXXX Account Supervisor ) The account was locked on line and when we talked to XXXX in XXXX on XXXX we were instructed not to pay but to wait for the loan trial period to end ( which we had paid on TIME ) Shellpoint posted the only negative marks against my credit for XXXX consecutive months during the poorly handling of the loan. We had a loan modification program and paid on time always. I was also told that these marks would be removed after the program was finished but we decided to sell the house instead. Please remove the late payments because we tried to pay and were never late. I have not been late on any payment for 15 years. I lost my job to XXXX related problems cause by XXXX XXXX and we had to use the forbearance program. Please remove these marks and contact me with any questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2022, my husband went to an ATM machine at a XXXX in XXXX, IL. Here is the bank info on the transaction : ATM WITHDRAWAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL He requested {$200.00} but the machine only gave out {$160.00}. The man at the store said the ATM has been having problems with that and that we should contact our bank ( PNC ) and they will refund the {$40.00}. 

I filed at dispute and was given a provisional credit. I then received a letter in the mail saying it was denied ( provsional credit removed from my account ) and I could request the documentation showing what they investigated to come to their determination. I called into customer service and was told she would reword my dispute and resubmit. I then asked for the documentation and was told there was none. I received another denial in the mail. Process was repeated and declined again. I then filed a complaint with the Office of the Comptroller of Currency who referred me here. 

I have received an email and a phone message from XXXX XXXX from PNC. I returned his call and received no call back. I then sent him an email. He called back on XXXX saying he would escalate my issue and call me within XXXX hours. No such call has been made to me again. 
I would like our {$40.00} back plus the {$3.00} fee that was charged. How many people does this happen to and who is gaining financially from all this undispensed money?? 

Consumers have a right to be treated fairly and honestly, especially in these difficult times. Every dollar counts!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.

Complaint narrative:
identity theft ... ive been XXXX  in XXXX since appx XXXX  and yet still get credit opened falsely in my name in USA and XXXX ...... please not all my credit info was taken by XXXX and XXXX,,,,, ,my property, money, I.Ds and how can i complain if i dont have a usa address ... XXXX address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX how can i live survive without credit? what did XXXX do? i am not let to get an anual report free... i am a us XXXX honoribly discharged combat XXXX XXXX  please help my email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: NJ

Complaint narrative:
Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Credit company refuses to remove 30 day late payment from credit report. I've always made my payments on time and I'm currently in the process of trying to purchase a home, but this late payment is hindering the process. I've spoken to customer service numerous times and they continue to tell me that the issue would be resolved, but nothing has happened within 30 days.

Company response to consumer: Closed with explanation