vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
THIS IS THE SECOND TIME THIS HAS HAPPENED XXXX. Logged in on XX/XX/XXXX or XX/XX/XXXX, accessed the payment system, made required selections and submitted the payment.

2. The payment processed but there was no confirmation number ( this has happened before ) and no error message or any indication that the payment did not go through. I moved on to my next task.

3. XXXX month later I logged in again to make my next monthly payment only to find that I had missed a payment. The XXXX payment. 
4. I verified that it did not clear the bank.

5. I immediately contacted Mr. Cooper support and they indicated that the payment was late.

6. When I asked them to check to see when I last access the payment system, I was told that they could not verify that I logged in on XX/XX/XXXX or XXXX since they outsource their IT and would have to request that information. 
7. I was told that Mr. Cooper called several times but I can confirm that I never received a call from Mr. Cooper or NationStar. I told the rep that.

8. The representative said that Mr. Cooper does not show up on " Caller ID '' it would be an XXXX or such number. 
9. I explained that I do not answer calls from " unknown '' numbers because of the potential of spam and scams. There are too many scams and too much spam. If I knew the call was coming from Mr. Cooper I would have answered the phone. 

NOTE : Mr. Cooper 's website is so out of synch it I made the payment discussed above and the site is now telling me I am XXXX payments behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The XXXX XXXX made pervasive and widespread substantial misrepresentations that borrowers relied on to their detriment. This conduct affected students who enrolled at the XXXX XXXX from XXXX XXXX, XXXX through XXXX XXXX, XXXX, when the campuses were sold to XXXX XXXX XXXX XXXX, XXXX. These misrepresentations related to the salaries and employment rates for its graduates and the benefits and connections The XXXX XXXX provided to students and graduates. Because of the pervasive and widespread nature of the misconduct by The XXXX XXXX, ED has determined that it is appropriate to discharge the loans made to all students who attended The XXXX XXXX during the time period described above

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: IL

Complaint narrative:
" I'm asking for proof of the prior investigation, including details of your investigative process and all relevant communication records, like names, business addresses, and phone numbers. Additionally, I need documentation verifying the late status of this account. If you're unable to provide this within 15 days, please update the dates on the account to 'PAID/NEVER Late ' and send me a copy of my updated credit report. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: VA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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 2024-05-01 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: VA

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I deposited a check into my business account that was in my name and I am the only signer on the account. They gave me a date of a nine day hold that passed by then they added another 7 days that passed by then they added another six day hold and now they are threatening to add another hold and bring it to XXXX days just because Im a new account holder at citizens bank. It has affected my business greatly and my investors and partners vendors are all having to wait to collect whats due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: NY

Complaint narrative:
I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: John C. Heath, Attorney at Law, PLLC
State: CO

Complaint narrative:
I signed up for credit repair service with Lexington Law LLC ( https : //www.lexingtonlaw.com ) and experienced a significant lack of results. I attempted to cancel the service unsuccessfully multiple times. Due to slim office working hours I have been having difficult time reaching them and upon trying to cancel my services with them they met me with hostility and told me that I still owe them another full month 's worth of service fees for doing nothing. None of the items that were disputed on my credit had positive outcomes that I can tell. And the outcome that did have the most impact was paying my bills on time, which had nothing to do with anything Lexington Laws interventions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: MI

Complaint narrative:
Someone opened a XXXX credit card in my name without my knowledge and it has a balance of {$2000.00}. I have put in a dispute with Experian and am calling XXXX about it.

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 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. 

XXXX XXXX XXXX XXXX late payment XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX has refused to create inaccuracies on my credit report and will not supply the information I have been requesting to validate the acocunt. They are showing old account information that has aged off of my report as still valid and negative. They refuse to follow up by supplying me the information requested 6 times in the past XXXX months. I have even attempted using an outside company to validate with them and they refuse to coomunicate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: GA

Complaint narrative:
This is my second request. 

Please remove the following Inquiries of my report. 

XXXX XXXX XXXX ( 4 Inquiries showing ) XXXX XXXX XXXX Also please remove all fraud alerts and statements.

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 2024-05-01 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: GA

Complaint narrative:
Dear CFPB, I am writing to dispute an unauthorized trade line that has appeared on my credit reports from XXXX, XXXX, and TransUnion for an account with XXXX XXXX XXXX. I am a victim of identity theft, and this account listing is a result of fraudulent activity to which I am in no way a party. 

I have never opened or authorized any account or loan with XXXX XXXX XXXX. I have not signed any contracts or provided any personal information to this company whatsoever. This inaccurate account on my credit reports is clear evidence that my identity has been stolen and misused criminally. 

Under the Fair Credit Reporting Act ( FCRA ), specifically : - 15 U.S.C. 1681c-2 requires blocking reporting of any information resulting from alleged identity theft - 15 U.S.C. 1681e ( b ) mandates credit bureaus maintain reasonable procedures to ensure maximum accuracy of credit report information - 15 U.S.C. 1681i requires credit bureaus to conduct reasonable investigations of disputed information As an identity theft victim, I have a legal right to have any inaccurate, fraudulent information absolutely removed from my credit reports so that I can begin recovering my credit standing and good name. 

I demand that the CFPB immediately investigate this unauthorized XXXX XXXX XXXX account, determine that it is illegitimate and bogus due to identity theft, and take all actions required to permanently block and suppress it from my credit reports across all bureaus within the statutorily mandated timeframes. 

Please provide me the results of your investigation along with supporting documentation within 5 business days as stipulated for identity theft disputes under the FCRA. Any failure to comply will be viewed as a willful violation of federal law, and I will have no alternative but to pursue legal remedies and statutory damages. 

Attached please find copies showing the identity theft affidavit. Thank you for your prompt assistance in resolving this serious matter.

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 2024-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Someone opened a CAP1 credit card in my name without my knowledge and it has a balance of {$2000.00}. I have put in a dispute with XXXX and am calling CAP1 about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 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: TX

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the unlawful reporting and handling of my accounts by the following creditors : XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. I believe their actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 Sections 602A and 604A ( 2 ). Under 15 U.S.C. 1681 Section 602A, creditors are required to provide accurate and complete information to consumer reporting agencies ( CRAs ) such as XXXX, XXXX, and TransUnion. However, the aforementioned creditors have failed to accurately report my account information, leading to discrepancies and inaccuracies on my credit report. Furthermore, under 15 U.S.C. 1681 Section 604A ( 2 ), consumers have the right to dispute any inaccurate information on their credit reports. Despite my repeated attempts to dispute the inaccuracies associated with the accounts mentioned above, the creditors have neglected to conduct a reasonable investigation into the disputed information and have failed to correct the errors. As a result of the creditors ' negligent reporting practices and failure to address my disputes, my creditworthiness has been unfairly impacted. These inaccuracies have hindered my ability to obtain credit on favorable terms, secure housing, and pursue other financial opportunities. I respectfully request that the CFPB investigate this matter thoroughly and take appropriate action against the creditors for their violations of the FCRA. Additionally, I urge the CFPB to ensure that the inaccurate information on my credit report is promptly corrected to reflect the true and accurate state of my financial history. Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.

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 2024-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX AR Resources hit my credit with collections on two separate accounts one totaling {$1100.00} and {$880.00} stating that XXXX XXXX XXXX XXXX is the original creditor however nothing about the account including balance and open date is correct. Also, the bill I had with XXXX XXXX XXXX XXXX has/had been bought and transferred to XXXX XXXX XXXX that I have made payments to. I recently received a letter stating XXXX XXXX has transferred the loan back to XXXX and it is on an ACTIVE payment plan that is NOT past due and NOT late. I am requesting this be removed from my credit immediately as this should not have been put into collections. No letter, email, or phone call has been received from XXXX XXXX or XXXX XXXX XXXX XXXX stating ownership of this bill has changed. I am also ( and prevouisly requested from AR Resources in a XXXX XXXX XXXX complaint to which they have not responded ) requesting an itemized report showing original open date of the account, original amount, and then payments that I have made both to XXXX XXXX  XXXX XXXX and XXXX XXXX reflecting on the current balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One SPARK Credit card I had the card for my business ( XXXX XXXX ) the card never reported to my personal credit. and showed a perfect payment history on my Business credit. 

One Day I used it for a large purchase, ( XXXX ) I made some large payments ( XXXX ) payments, made 3 had a smaller balance left. and then It wouldn't let me make a payment, I call and they said this card had to be paid off every month, but I have another Capitol one Spark card for another business XXXX XXXX XXXX. I have never paid it off in the same month and I have never been reported Late. I paid the Balance in full on the Spark Card for XXXX XXXX and closed the account Opened an XXXX XXXX XXXX, Next month they reported my late on my Personal credit for 120 days and one 3 day late a few months before, Yet never reported to my personal credit before. 

I was never made aware, never got a call or email that I was going to be effected like this and now I have Late payments. I have been a customer of Capitol One for over XXXX years now. I cant ever close my Cap One Quicksilver personal card because now my score is low because of these late payment. 

I have called several times and disputed it on my credit report to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
XX/XX/XXXX - I called the Freedom Mortgage customer care phone number. They assured me they would remove the forced insurance because I provided my insurance coverage details. The representative 's instructions were to send a message through the website 's messaging service. 

XX/XX/XXXX - Freedom Mortgage replied that they refused to remove my forced insurance escrow amounts. See below. 

I XXXX not agree with these forced escrow amounts. Can you help me resolve this please? 

" Thank you for contacting Freedom Mortgage Corporation ( Freedom Mortgage ). We received your request via our website on XX/XX/XXXX, regarding removal of the escrow account and insurance. We appreciate the opportunity to assist you and hope you find the following information helpful. 

The following insurance information is what we currently have on your account : Company : XXXX XXXX ( XXXX XXXX ) Expiration Date : XX/XX/XXXX Policy No. : XXXX Premium Amount : {$1400.00} We are unable to approve your request for escrow removal. The reason for the denial to remove the escrow account for the insurance is due to the lapse in coverage from XX/XX/XXXX, through XX/XX/XXXX, for {$230.00} and as a result, the account is escrowed for the life of the loan. 

To remove the escrow account, please provide proof of coverage for the lapse dates. Once proof of coverage is provided for those dates, we will forward to the insurance department to review for refund. ''

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 2024-05-01 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
Hello i recently look to my credit report and i was shocked to see that i have been victim of identity theft, i found on my credit report fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent information harm my credit report. 
XXXX XXXX : opened XXXX XXXX XXXX XXXX  XXXX : Account number XXXX XXXX XXXX : Fraudulent Charges {$2900.00}

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