vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONGRESS COLLECTION CORP
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this CONGRESSCOLL ( Original Creditor : XXXX XXXX XXXX ) with the account number XXXX was reporting to be negative on XXXX XXXX I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
In XXXX of XXXX I called Nationstar Mortgage, ( DBA Mr. Cooper ) and entered into a pandemic forbearance agreement. In XXXX of XXXX I called Mr. Cooper asking to come off of the forbearance. In XX/XX/XXXX Mr. Cooper stated my forbearance had ended. I had called Mr. Cooper since XXXX trying to make payments on the home, their response was always the only payment they would accept was the entire forbearance amount to bring the account current. I have attached a screen shot dated in XXXX from my Mr.Cooper account that shows my account is not eligible to make payments. I even filed a complaint with the CFPB because of Mr. Coopers reluctance to to provide a forbearance workout plan. Its was my understanding that paying the entire forbearance amount could not be a requirement for Pandemic related forbearance. Because of their insistence that the account be brought current in full and no other option given to us at the time we were in fear of loosing our house and its equity. My family and I made the very difficult decision to sell the home we loved. It went under contract on XX/XX/XXXX. On XX/XX/XXXX We received a e-mail stating Mr. Cooper had approved us for a loan modification that would begin on XX/XX/XXXX. However it was to late as our home was under a binding contract to sell. The sale of our home closed on XX/XX/XXXX and Mr. Cooper was paid in full on the same date. On XX/XX/XXXX 17 days after the account was paid in full and closed I received notification that Mr. Cooper has reported my account as being past due 120 days. I tried very hard to work this out with Mr. Cooper but at every step they refused to except anything except for full payment of all pandemic forbearance payments until I filed a complaint with the CFPB. This reporting of delinquency is in retaliation for me filing the earlier complaint with your agency.

It is also my understanding that under the CARES act, payments missed due to being on a Pandemic Forbearance plan can not be reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: GOLDMAN SACHS BANK USA

Complaint narrative:
XXXX issue/ wallet Billing. My XXXX was stolen awhile back. Unfortunately phone was not locked. The thief enter and took over my email account ( XXXX, app account, ordered items off my credit card, and deleted all pictures from my XXXX/ phone. This incident forced me to close all accounts through XXXX, use my other email account, and to order a new phone. Additionally, I was forcibly locked out my XXXX for nearly two weeks. 
Upon receiving my next phone XXXX could not provide me access to my remaining information left in the XXXX with the new address of XXXX. To make me whole from the experience, it was suggested to keep the username of XXXX but to use my new email of XXXX. 
Since the theft of my phone and information I havent used XXXX. 
Apple Card services has charged Me for apps, on two occasions in the amount of {$2.00}. The charges appeared in a wallet app on my phone that I had no knowledge existed. I was told notifications were sent to XXXX My credit issue was only discovered after I pulled my credit for denied credit. Upon calling my first issue of complaint was that a bill was never mailed out for the charges. This is when I was I informed of the wallet. I was informed that paper bills are not mailed and instead the bills and sent to the wallet app. Being old school, a wallet on my phone didnt sink it.I was walked through this process by the responding agent and the matter was partially resolved. Meaning they got their {$2.00} and late fee for the app not being paid. I, on the other hand, I did not know the wallet existed nor did i know a there was a bill on my phone. As a result, I got a report of being late of XX/XX/90 days. This incident Turned my credit score from the XXXX to XXXX or less. I pay my bills religiously! I have called and requested paper bills but they say its not an option. Ive called Goldman Sachs several times requesting a removal of the items in Good Faith and each time the dispute resolution department disconnects from the call. I desperately need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
On XX/XX/22 I attempted to make a purchase with XXXX flex pay. The XXXX Representative attempted to process the payment numerous times. Stating that the address did not match the billing address of the debit card I was using, therefore the orders could not be finalized. The XXXX representative then stated that the orders were cancelled. Each time that the attempt occurred the amount was being placed on hold with Bank of America which is my banking institution. I called immediately on XX/XX/22 and sopke with the BOA representative and she assured me that the funds would be immediately reversed. The funds were not reversed. Today XX/XX/22 I called and spoke with a rep by the name of XXXX. He was very argumentative. He failed to listen and told me that the funds could be held up to 6 months. After I explained that I confirmed with XXXX that the order was cancelled. The XXXX transactions are for the following amounts : {$310.00}, {$300.00}, {$300.00}. Please release my funds.

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 2022-01-31 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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY. THEY HAVE OPENED THESE FRUAUDLENT ACCOUNTS AND THEY HAVE CAUSED ME SO MUCH FINACIAL AND EMOTIONAL HARDSHIP. I AM TRYING TO BUY A HOME FOR MY KIDS, BUT I AM BEING PUNISHED BECAUSE THESE COMPANIES ALLOWED SOMEONE TO ACCESS MY INFORMATION. PLEASE INVESTIGATE THE PERSON WHO OPENED THESE ACCOUNTS PLEASE. I DONT KNOW WHAT TO DO.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: A Credits Works
State: VA

Complaint narrative:
THIS INDIVIDUAL BY THE NAME OF XXXX XXXX XXXX IS KNOWN AS A CON XXXX FOR STEELING AND OBTAINING PEOPLE 'S CREDIT CARD INFORMATION. SHE HAS BEEN A SUSPECT AND CONVICTED WITH FRAUD ON MANY DIFFERENT OCCASIONS. SHE GOES BY THE NAME www.acreditworks.com and has fake reviews on her sit of people who she personally knows to have them put on there. This girl is a con XXXX. She poses as a previous owner of a car dealership but looking into VA state court records she is massive con XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Untimely response
Consumer complaint received 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TRANSUNION continues to inaccurately report XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also in a previous letter XXXX claimed that the account charged off XX/XX/XXXX but reports that XX/XX/XXXX was the date of last payment. How could this be possible? This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.

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 2022-01-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
My name is XXXX XXXX. I pulled my credit report and notice some accounts reported inaccurately on my report. I already send multiple letters to the creditors and credit bureaus regarding the inaccurate reporting on my report for the past months and haven't received any response from them. I never gave you any written consent to report anything on my consumer report, and they haven't responded in over 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 non-monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I closed on my home on XX/XX/XXXX, and our homeowners insurance was paid in full at losing in the amount of {$2400.00}. My loan was sold to XXXX XXXX in XXXX, and they became our loan servicer in which they also paid our homeowners insurance of {$2400.00}. I made contact with Citizens and explained that our homeowners insurance was paid in full at closing. 

I was informed that the payment for the homeowners insurance was already sent and that there was nothing that could be done, and apply the amount of {$2400.00} back to my escrow once I received a refund from our insurance company. We received a refund and made a payment to our escrow in the amount of {$2400.00}. That payment should have cured the escrow shortage - {$1000.00} that was caused by Citizen 's failure to recognize that our homeowners insurance was paid at closing. 

Based on Citizens failure to properly apply our payment, they have sent us a letter stating that we have an escrow shortage and that our mortgage payment will change effective XX/XX/XXXX. I have called their customer service number multiple times and they are not able to locate the payment that was made in the amount of {$2400.00}. We have proof of payment, and i requesting that the payment is applied to our escrow immediately and our escrow is corrected along with our monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY. THEY HAVE OPENED THESE FRUAUDLENT ACCOUNTS AND THEY HAVE CAUSED ME SO MUCH FINACIAL AND EMOTIONAL HARDSHIP. I AM TRYING TO BUY A HOME FOR MY KIDS, BUT I AM BEING PUNISHED BECAUSE THESE COMPANIES ALLOWED SOMEONE TO ACCESS MY INFORMATION. PLEASE INVESTIGATE THE PERSON WHO OPENED THESE ACCOUNTS PLEASE. I DONT KNOW WHAT TO DO.

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 2022-01-31 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:
I AM A VICTIM OF IDENTITY THEFT. SOMEONE STOLE MY IDENTITY. THEY HAVE OPENED THESE FRUAUDLENT ACCOUNTS AND THEY HAVE CAUSED ME SO MUCH FINACIAL AND EMOTIONAL HARDSHIP. I AM TRYING TO BUY A HOME FOR MY KIDS, BUT I AM BEING PUNISHED BECAUSE THESE COMPANIES ALLOWED SOMEONE TO ACCESS MY INFORMATION. PLEASE INVESTIGATE THE PERSON WHO OPENED THESE ACCOUNTS PLEASE. I DONT KNOW WHAT TO DO.

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 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
TRANSUNION continues to inaccurately report XXXX XXXX XXXX XXXX information on my credit profile. I have pointed out several inaccuracies on this account to the credit bureau. I have yet to receive a response back and I'm certain no reasonable procedures were conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts on my report. How can a disputed be resolved if no human being is actually looking at the obvious inaccuracies i continue to point out to them all. Using a computer to electronically review my dispute is unacceptable. How can they possibly resolve the disputed account if no reasonable procedure was performed? It is a violation to my rights to claim that an account has been resolved if it's not reporting 100 % accurate. TransUnion reports that the account was opened XX/XX/XXXX and XXXX reports it was open XX/XX/XXXX. Those are clearly different dates. How is it possible the account was opened on both? Also TransUnion reports the last date of activity as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. How could this be possible? Also XXXX reports the terms of repayment as 1 month and TransUnion reports as 0. This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion. I want this account deleted immediately.

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 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
i sent to many time by the credit bureaus a FTC report and they just verified my account, and this account isn't mine, this is fraud.

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 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Hello, I could not find where to submit a concern about banks for a review of policies period. I am not currently having an issue. 
My concern is for when I applied for a mortgage. My average credit score was XXXX. Which I thought meant an excellent credit rating. The bank told me they don't use the average and picked my lowest score to deny me the advertised lowest rate. 
I think there needs to be clear and uniform reporting on rates prior to applying for a mortgage and for ALL financial institutions. Not left to a sales person with the bank to decide what they can sell you into. A bank being able to use arbitrary means for determining the rate a customer is charged makes it impossible to properly and with due diligence shop for the best financial product to fit the customer. 
In short I believe all should be treated equally. Income, payment history, debt to income, and job history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I attempted to close my online checking account with PNC Bank after withdrawing my funds early in 2021. PNC did not close the account and charged me for monthly service fees. Now Im being contacted by a debt collector to collect fees for an account I had zeroed out and closed. I contacted PNC via chat and phone and was told customer service can't do anything about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is a Bankruptcy on my trans union report that is not mine Ive disputed several times and have contacted the courts and was told they did not report this. Ive contacted all parties and have got no valid confirmation as to why this exists on my report please verify or remove. Thanks.

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 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I disputed several times this account with the credit bureaus, I sent a FTC report notarized and nothing was happen, this account came verified several time and this is fraud. this isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Pursuant to Florida statute 695.26- " No instrument by which the title to real property or any interest therein is conveyed, assigned, encumbered or otherwise deposed of shall be recorded by the clerk of the circuit court unless : ( d ) " The name of the notary public or other officer authorized to take acknowledgments or proofs whose signature appears upon the instrument ''. Section 694.05- '' Any deed or conveyance heretofore executed and acknowledged in accordance with provisions of the act 24,1873, entitled " An Act providing for the acknowledgment of deeds and other conveyances of lands '', shall be held good and valid. Section 694.08- a conveyance can not be validated in the absence of the acknowledgment. Section 679.2031 - '' A security interest attaches to the collateral when it becomes enforceable against a debtor with respect to the collateral, however not until the following condition is meet : 1. " The debtor has authenticated a security agreement that provides a description of the collateral and, if the security interest covers timber to be cut, a description of the land concerned. '' The lack of acknowledgment on the loan modification renders the instrument invalid in this state, the statutes are straight forward. The loan modification does not reflect the legal description to the subject property. Can a mortgage be reform in Florida? it depends on the contract itself ... .if there's a simple scrivener 's error it can be reform, however not in this case. Why? Because the legal description is missing in it's entirely. The instrument must be destroyed and the mortgage must go back to its original status. Under Florida section 697.02 .... " a mortgage shall be held to be a specific lien on the property therein described, and not a conveyance of the legal title or the right of possession. Mr Cooper filed a lawsuit on behalf of the alleged owner of the note claiming a breach of contract based on the loan modification. Mr Cooper has engaged in a frivolous complaint as the loan modification is invalid and never conveyed title to anyone. You can not enforce an instrument where has no enforcement and /or invalid in this state.

Company response to consumer: Closed with explanation