vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX sent in disputes letters and file on cfpb and I have not had a response by mail from XXXX, EQUIFAX nor XXXX. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent letter of late payment history and errors on my consumer report on XXXX XXXX via certified mail with return receipt that I have yet to be deleted or a response to

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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
I sold my home in XXXX, and paid Nationstar 's demand of me, which was overstated. 

I never received a final payment history in XXXX, and when I did in XX/XX/XXXX, Nationstar allocated {$2800.00} in lines XXXX of my account history. See attached. 

8 years later, on XX/XX/XXXX, Nationstar 's counsel provided me with an XXXX spreadsheet in response to my request for a final account history, after settling the matter in XXXX XXXX XXXX XXXX in XXXX XXXX, Nationstar changed the payment allocation of my late fee payment deleting XXXX entries amounting to {$2800.00} to a new XXXX entries totaling late fee payment was made of {$11000.00}. 

XX/XX/XXXX, as attached, I mailed Mr. Cooper a Notice of Error for good cause see XXXX account history and XXXX XXXX spreadsheet for clear evidence in lines XXXX as to why. Nationstar failed to acknowledge the notice only having their counsel do so, and then by counsel stated there was no error, with Mr. Cooper refusing to confirm the XXXX spreadsheet or correct the facially inaccurate late payment allocation only changed in XX/XX/XXXX, to which an order preventing this complaint doesn't apply filed XX/XX/XXXX. 

This new payment allocation came after I agreed to waive prior claims, and after the company had a Judge agree to waive my rights to recourse in an ordinary tribunal or administratively through your bureau. 

The new payment allocation indicates in the 4 years XXXX  XXXX XXXX serviced my loan and the 16 months Nationstar serviced my loan, that instead of reporting the actual XXXX late payments, the mortgage file indicates XXXX late payments were made in 60 months. 

As of today, the counsel for Mr. Cooper is threatening to subpoena everything I own including bank accounts, all of my personal account records, everything because I am asking Mr. Cooper to revert their erroneous new payment allocation of late fee payments from {$11000.00} back to the amount Nationstar received of {$2800.00} that is also over charged but I gave up trying to achieve a correction in XXXX, that should state {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
in accordance with the Fair Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus states my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have right tp 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.

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 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have been noticing these inaccurate accounts reporting on my credit report and I have requesting a proper investigation. They have failed to provide me with anything proving that these accounts are accurate. 

XXXX XXXX XXXX XXXX  XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX balance {$700.00}

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
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: VA

Complaint narrative:
On XX/XX/2022 I checked my XXXX  credit report and noticed that I had a past due loan from affirm that was sent to collections. I did not take this loan out. This was fraudulent activity. When I tried to log in to XXXX, the account associated with my social security number did not reflect my phone number, email address, or physical address, but it used information associated with my ex-wife. I never received any notice of a debt accrued, nor did I receive information regarding my right to dispute the charges. I just caught the fraudulent activity today, XX/XX/2022 or else I never would have known about the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
On XX/XX/XXXX, I received a debit card from Merrill Lynch XXXX. I did not open an account with them or request a debit card. I am trying to confirm if this is identity theft, a solicitation, or if they just opened an account without my knowledge or permission ( I do have a Bank of America account ). I have spent over an hour on hold but have been unable to speak to someone about addressing 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 explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On or about XX/XX/XXXX, XXXX XXXX  handed over processing of the XXXX XXXX credit card to Barclays Bank, where it is now the XXXX XXXX XXXX XXXX XXXX. As part of this transition, payments made to XXXX bank were to be credited to the new Barclay accounts, and new cards were issued. 

My payment of {$2100.00} to XXXX, which was sent electronically on XX/XX/XXXX, was accepted on XX/XX/XXXX and credited to the new Barclays account. You can see this transaction on my Barclays XX/XX/2022 statement listed as - {$2100.00} with the Description of " PAYMENT - THANK YOU LANG*! XXXX ''. However, on XX/XX/XXXX, a transaction of {$2100.00} was posted to the new Barclays account with the Description " / % m ''. Needless to say, I did not authorize this transaction. When I called Barclays about this mysterious transaction, they said that my payment had been returned to me because it occurred after the transition from XXXX to Barclays. However, no payment was ever returned to me through my bank, and to this day I have received no refund. My bank ( XXXX XXXX  XXXX confirmed that the payment was successfully processed electronically and gave me a confirmation number. My XXXX bank statement also confirms this. 

Since the XXXX of XXXX I have called Barclays at least 7 times to attempt to get this resolved. I even contacted XXXX bank ; they were sympathetic and said they had heard about this problem from five other customers just on the day that I was talking to them, but that it was a problem that only Barclays could resolve. I have also sent electronic messages to Barclays through their message center and supplied them with all the information they have requested, including FAXing ( per their instructions ) evidence of the bank statements and confirmation of electronic payment. Still, on my last phone contact with them today ( XX/XX/XXXX ), they seemed to have no idea what was going on, and one customer representative even hung up on me. They also refused to give me a case number or confirmation number on my call, and I refused to hang up until they at least provided me with a call center employee identifier so that I could track the call if needed.

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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX I have sent dispute letters to XXXX XXXX and Transunion and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results 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 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX I have sent dispute letters to XXXX Equifax and XXXX and I also sent a 30 day demand and comply these credit bureaus are report inaccurate information and have not sent any results at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The Bank of America credit card got lost in the mail, someone stole it and used it On XX/XX/XXXX & XXXX to make some Phone and Hospital payments, the total was {$230.00}. I call them to cancel the card and make a claim, they issue a temporary credit on my account on XX/XX/XXXX & XXXX, but the person who fill the claim didnt state that the card was stolen, and as a result of this it was solved against me. They put back the charges on my credit card on XX/XX/XXXX even when they knew I did not make those charges. 

I call back again, and reopen the claim, making sure that they state that my card got lost in the mail and stolen. I never used that card. So they open a new claim, but didnt issue a new temporary credit. Then I receive the notice that my claim has been resolved and the temporary credit was now permanent. But there was no temporary credit on my account. 
I call back again, and they said to wait 5 days. So I wait, and nothing. 
I call back again, and they said to wait 48h. So I wait, and nothing. 
I call back again, and they said that in 48h theyre going to call me back to figure out when to give back the money, because they cant do anything. 

Bank of America refuses to give me my money back even after willingly accepting they made a mistake and I did not in fact spent it. 

They have stated in 4 different recorded phone calls I will get the money back in a certain timeframe, but every time they fail to do so, its almost like they just want to get me off the line and scrub this under the rug.

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 monetary relief
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi! I have been trying to get this XXXX XXXX  Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a XXXX  XXXX bankruptcy in my name years ago. It was listed on Equifax. I disputed them and Equifax removed it. However XXXX and XXXX did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus.

In Accordance with Fair Credit Act Credit Chapter 7 bankruptcy and Indy Dealer has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi! I have been trying to get this XXXX  XXXX Bankruptcy XXXX XXXX XXXX removed from my credit report. Someone opened a Chapter XXXX bankruptcy in my name years ago. It was listed on XXXX. I disputed them and XXXX removed it. However Experian and XXXX did not remove it. Also there is a car loan by the name of XXXX XXXX account number XXXX opened XXXX. This account was fraudulent opened in my name without my consent. There are numerous hard inquiries opened in my name without my consent. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

All credit reporting bureaus must be accurate with reporting on all 3 bureaus. 
In Accordance with Fair Credit Act Credit XXXX XXXX bankruptcy and Indy Dealer has violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2. It also states A consumer reporting agency can not furnish an account without my written consent, I have also attached the certified letter sent from Us Bankruptcy court stating that they don't provide information to the credit bureaus, There is no way they verify with them like the Fair Credit Act act states for them 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 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: MD

Complaint narrative:
Hi my name is XXXX XXXX. I am writing to report the unfair practices of XXXX XXXX XXXX XXXX. It has been over a year since I have requested information about my Discover Account. Each time the company has asked me to write an email to a manager or to call back within a week. I was even working with a debt relief agency and XXXX never responded to them to confirm the debt or to provide details on how to resolve this issue. During the last 3 months I have called repeatedly to inquire about this debt. Each time, I am told that the account is on hold and the specialist can not discuss details of the account because they are not an attorney. 

I need XXXX to validate this debt in writing and give me the opportunity to pay it off. I must resolve this debt so my family can purchase a home or find housing in general. Due to this issue not being resolved, my process has been delayed and now my family and I live in a XXXX  to avoid being XXXX. 

Please help as this has caused my family a lot of pain and stress. I am not trying to negotiate a debt. I just want to know what is owed so I can pay it in full. They dont have to negotiate with me, but they must allow me to pay the debt. This practice is u fair and unjust. The debt assistance program and loan officer are baffled by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against LVNV FUNDING for committing theft. I never gave LVNV FUNDING permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to XXXX5 USC 1692c ( c ). I am demanding to cease and desist of all illegal activity, communication, and collection activity of this and any alleged debts until LVNV FUNDING can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING continues its collection efforts, I will file for litigation for actual damages caused and LVNV FUNDING will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion pursuant to 18 USC 894, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX first XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
USAA over-drafted two accounts that had a XXXX balance and were requested closed. On or about XXXX XX/XX/2022. USAA seems to be providing inaccurate or misleading information in this matter. I have further information to be submitted. 

Is there any law in this instance that prevents me from removing my property from my account and closing said account? Did I apply for a loan for USAA to pay a third party debt collector, a foreign agency? Did I authorize such a thing? Did apply for a loan for such a thing? What was loaned ; was it money of deposit, or money of deposit? USAA appears to have sent out their own funds after I withdrew my property from the account. I never had any agreement or contract with USAA to loan money to a third party debt collector. USAA states I was restricted to credits only due to banking procedure ; is that a law? Is procedure law? USAA claims a garnishment order ; however the order USAA is referring is not signed by a judge or under the state seal. Which is known as seal and test of process. Under the 4th Amendment, property can not be seized without a valid warrant, which means it must be signed by the clerk and under seal of the court ; thus there was no valid warrant to seize property. As Coppage V. Kanasas clearly states, that money is the property of the employee. Money is property and can not be seized without a valid warrant. USAA seems to be relying on an incomplete instrument. The instrument USAA appears to have relied on is not signed by a judge, it is not signed by a clerk of the courts, and was not under seal of the court. XXXX XXXX XXXX XXXX  is a private for profit agency ; a foreign agency. And therefore the funds can not be seized as it would be a clear violation of United States Code as well as Supreme Court Case Law. USAA comments that, I was aware, that I was notified ; can USAA provide proof in the form of registered or certified mail that was signed for. What proof does USAA have that I was aware by the bank on such and such date ; Does USAA have any evidence I received such a letter. USAA is claiming a legal process. However legal process can only be done when signed by a judge, and the clerk thereof under seal of court. It appears that the order USAA is referring was signed by an employee from a private companyXXXX XXXX XXXX XXXX XXXX. Property can not be seized without a valid warrant. The 4th amendment, and all writs must be under the clerk of courts and seal thereof. This does not appear to be a legal process in the lawXXXX XXXX XXXX  XXXX XXXX is a privately held company in XXXX Florida.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation