vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Another Lie again from Mr. cooper They claim they're sending resolution letters when they are only acknowledging the complaints to only stall then ask for redundant information that was already supplied .. they had 1040 already on file from prior years they had itemized information from my unemployment when the total income provided from the government itself 4056t was signed yet in XXXX when i provided updated income after they waited for the XX/XX/XXXX mod to expire then the next year they say they still needed a 1040 when i haven't even filed taxes for that year so all the information would have been provided on the prior 4056t showing nothing was filed yet they kept up with the narrative that they NEED my 1040 along with the same documents less than 60 days from a person with a fixed income from the government. I email MR cooper and told them i would agree to a modification but im not incorporating extra interest cause it wasnt my fault on the delay and they have lost paper work or lied since the beginning BECAUSE OF THIS COMANIES hard stance i had. Where in these letter dated on the days they say do you se a RESOLUTION??? Its more trickery with words and schematics because time and the government is always on their said All of the of these DENIAL DAYS ARE MISLEADING since XXXX Mr cooper has YET to produced a complete concise modification documentation that shows all instruments that were necessary to consider my worthiness but they supply a lot company propaganda that keeps them marginally compliant within the definitions of federal and state laws where do these resolution letters fall within the 1024.35 Error resolution procedures. statutes?? Because MR cooper says the magic catchphrase we determined that no errors are committed all is forgiven and lets proceed with our cover up and designed foreclosure process Mr cooper You need extra time to pull documents that should be readily available on your server? You disingenuously send form letters in attempt to show you're compliant but its just that you're a PROFESSIONAL SWINDLER if its not a 4056t you need a 1040 if not that you need a hard ship affidavit or you need income and all this is being SUPPLIED DIRECTLY TO YOU AND YOU STILL DROP THE BALL .... these attachment show on the day cooper claims i got a " resolution letter '' it was just acknowledgment of complaint and when deadlines were needed to be met I MET THEM and then they allowed this to be drawn out and then i got very upset about the lost of time and the accumulated interest and after EVERYTHING I ENDURED I HAD ENOUGH OF THIS!!! 


please MR COOPER SHOW ME WHERE THESE " RESOLUTION LETTERS '' RESIDE ON YOUR PLATFORM I SEE COMPLAINT ACKNOWLEGEMENT LETTERS COME ON USE YOUR BIG BRAIN AND TELL ME HOW THIS ISNT MISLEADING AND HOW YOURE NOT TRYING TO FABIRACTE THINGS TO YOUR OWN END MR COOPER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I placed an order for an XXXX computer and accessories on the XXXX XXXX XXXX on XXXX XXXX, 2021, using the 0 % 12 month financing offer on the Apple Card ( by Goldman Sachs ). Typically, the taxes for financed orders are charged immediately. In this case, the taxes were {$110.00} for the XXXX. I cancelled the order within an hour, as I noticed I forgot to include some items that I wanted to finance. The order was successfully cancelled by the XXXX XXXX XXXX and the installment plan was successfully closed out on my Apple Card ( by Goldman Sachs ). 
My problem is that the {$110.00} pending charge for the taxes on the order never dropped off of my card. I have called and complained numerous times in the past 5 months to both the XXXX XXXX XXXX and Goldman Sachs for the Apple Card. Both send me in circles for hours and are unable to help me. 
I would just like to get this charge removed, as it is affecting my available credit and reporting balances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: My Mortgage, Inc.
State: NY

Complaint narrative:
Hello, I have worked with an unlicensed loan officer from mymortgageinc based out of Maryland. Their XXXX  is XXXX. Id like report a XXXX XXXX who has helped me with this process, she said she was licensed and quoted me rates and terms. I have recently found out she doesnt even have legal documentation to be in this country. She changed rates for me last minute violating my trust.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX I have invalid inquiries on my report and XXXX has not helped me at all and they did not remove these inquires. They are the worst credit company to try to get help from with your credit. They keep asking for letters to be mailed, which I think someone is using my ssn # as I am sending mail to XXXX. XXXX has helped me and they are still working to remove credit inquiries. XXXX I have no problems with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
On XXXX I have invalid inquiries on my report and XXXX has not helped me at all and they did not remove these inquires. They are the worst credit company to try to get help from with your credit. They keep asking for letters to be mailed, which I think someone is using my ssn # as I am sending mail to XXXX. XXXX has helped me and they are still working to remove credit inquiries. XXXX I have no problems with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: IL

Complaint narrative:
On XX/XX/26, a student loan I refinanced with SoFi was funded. At the time I refinanced, I responded to an offer to get a {$500.00} cash bonus as part of the refinance. After the refinance was completed, I reached out to inquire about the bonus and was instructed to ensure that I had a W9 on file and that the bonus would be paid in 30 days. I completed the W9 and have followed up with SoFi several times as I still havent received the bonus, and I am not getting helpful assistance. They keep telling me to do the W9 and the bonus will come, which Ive done and it hasnt. The company seems to lack solid controls for ensuring they can fulfill their customer commitments and Im very frustrated. I want the money that was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Grain Technology, Inc.
State: NY

Complaint narrative:
I've been working with Grain Technologies they offered me a {$750.00} credit line, at first it was fine. Then when COVID hit I tried to get support which is non-existent. They disabled my online portal, and will not allow me to make payments, or allow me to verify my identity to pay the account. After speaking with a rep they said my online account was disabled because of the past due balance and once it's paid I can continue using the account. After I paid someone contacted me and said they decided to close my account once I pay it in full. I think I was deceived into making a payment, and once it was processed they decided to close my account once it's paid in full with no notice or explanation and they won't allow me to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: GA

Complaint narrative:
I AM INVOKING MY SPECIFIED REMEDY AS THE ORIGINAL CREDITOR AND A CONSUMER. I have done several disputes with Equifax with regards to the following accounts : XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX ; Date Opened : XX/XX/XXXX. These transactions should be removed from my consumer report pursuant to 15 U.S.C. 1681a ( 2 ( b ) ). I am demanding that Equifax removes these transactions from my report immediately as it is a violation of my rights as a federally protected consumer under Title 15 Chapter 41. They are also in violation of federal law 15 U.S.C. 1681b ( 2 ). I never gave them written instructions to reflect any of these accounts to my consumer report. With that being said, it is identity theft. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Equifax received all documents and supporting evidence of my complaint through the mail on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: AZ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: AZ

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2021-12-16 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: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2021-12-16 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: TX

Complaint narrative:
Equifax reporting incorrect balances for XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX All have XXXX balances. Equifax still reporting old balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: OH

Complaint narrative:
Chime closed my account without any explanation and is holding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: GA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

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 2021-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
About a month ago, I received an unexpected package from TD Bank XXXX XXXX XXXX XXXX, XXXX, TX XXXX. The package contained two packs of checks numbers began with XXXX. 

I took the package to the local TD Bank branch and explained that I never opened an account or requested checks from TD Bank. They asked me to share some personal information and looked up the account on their system. Told me I might be a victim of identity theft and to place my CRA account on hold with the three Credit Reporting Bureaus. 

Yesterday, I received another identical packet of checks with the same check numbers, deposit slips and check register and a message to " Go ahead, grab a pen. '' " These checks are all yours. '' Obviously TD Bank failed to manage my complaint properly or I would not have received a second set of checks. I would like them to investigate their procedures when circumstances like this occur and modify their procedures so this doesn't occur again. 

Thank you for giving me a voice and helping me with this issue. It is great to know our government has the ability to help its citizens, like me when the financial companies really have little motivation without your influence. 

Thank XXXX ( and some politicians ) we have an Consumer Financial Protection Bureau that once again understands their priority is to serve consumers ' not the industry. 

Best Regards. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is not reporting three paid off accounts from XXXX XXXX, XXXX, and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-16 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:
I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.

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 2021-12-16 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:
I had a car loan with XXXX XXXX. There was a Class Action Settlement regarding improper collection practices, which as a part of the settlement, XXXX XXXX agreed to remove included loans from all credit reports. The loan was not removed from my credit report even though I submitted the settlement documents to each of the 3 bureaus.

Company response to consumer: Closed with explanation