vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/2021 XXXX XXXX XXXX notified me my credit score dropped almost 100 points. After a lot of investing, it turns out XXXX sold my XXXX credit card to Barlcay Bank and gave incorrect, outdated personal information on me so that I never received a bill or any contact at all from Barclay regarding a {$60.00} payment due. ( Not even my correct last name ). That resulted in a delinquency on my 14 year Excellent credit score and dropped me from XXXX to XXXX. My credit reports history speak to how responsible I ALWAYS am. Zero balances every month for 14 years, except my mortgage. I spoke with XXXX and they said their records are purged. I spoke to Barclay n my and they said they won't help.

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 2022-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt does not belong to me. Privacy and consumer right violated. Company has sent deceptive forms and threatening letters. Notice has been sent to company. Ftc has been filed. See attached Evidence and documents. No constitutional proof or permissible purpose or consent given to stated company. Rights have been directly violated. Have also sent cease and desist letters company continues to Harrass me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX {$120000.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2022-02-07 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: CA

Complaint narrative:
This is my second time reaching in regard to XXXX. XXXX, AND TRANSUNION! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!

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 2022-02-07 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: CA

Complaint narrative:
This is my second time reaching in regard to EQUIFAX. XXXX, AND XXXX! THEY CONTINUE TO REPORT FRAUD AND INACCURACIES ON MY CREDIT REPORTS!! I'VE PROVIDED AN FTC REPORT, POLICE REPORT, AND OTHER DOCUMENTS PROVING THE UNMERITED ACCOUNTS AND INQUIRIES THAT DON'T BELONG TO ME. IT TROUBLES ME THAT THESE BUREAUS CONTINUE TO DISREGARD THE EVIDENCE AND REPORT THE FRAUDULENT ACCOUNTS WITHOUT PROVIDING ORIGINAL CONTRACTS WITH MY WET SIGNATURE. PLEASE HOLD THESE COMPANIES ACCOUNTABLE NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll 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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: WV

Complaint narrative:
Today 's Date : XX/XX/XXXX : XXXX  XXXX : Nationstar aka Mr. Cooper. Type of loan : XXXX XXXX XXXX XXXX. My Covid-19 forbearance started on XX/XX/XXXX and ended on XX/XX/XXXX. On XX/XX/XXXX, Mr. Cooper assigned a dedicated loan specialist to help me through the process of getting back on track. I have never heard from nor am I able to contact this individual. At the end of the forbearance period, Mr. Cooper wanted all the money back instead of putting it to the end of the loan. On XX/XX/XXXX, I applied for a loan modification. On XX/XX/XXXX, Mr. Cooper declined it. On XX/XX/XXXX, I submitted an appeal letter. On XX/XX/XXXX, Mr. Cooper sent a letter admitting to making a mistake and that on XX/XX/XXXX put me back into underwriting for a standard modification and placed it in referral status. On XX/XX/XXXX, I called Mr. Cooper and asked that this get escalated. I was told that it was escalated and someone would call. Nobody, not even my dedicated loan specialist has reached out to me. When I call Mr. Cooper, I get someone different each time ( they will not transfer me to my loan specialist ) and I get told something that is inconsistent with what I was told previously. XX/XX/XXXX, my account is still in underwriting ( since XX/XX/XXXX ) while the amount due continues to increase.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
Listing some of the constitutional rights Mr Cooper has been Violating 1 ) 1024.35 Error resolution procedures. Rule ( 7 ) Failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure, as required by 2 XXXX early intervention requirements made available for certain borrowers Rule ( 11 ) Any other error relating to the servicing of a borrower 's mortgage loan. 

XX/XX/2021 I sent a email to Mr Cooper asking for accommodations and itemized accounting of all documents submitted on modifications in questions as well as other procedural questions. This was purposely ignored and they sent more than 100 pages via mail of the SAME documents they have been supplying since XX/XX/2021 spits in teh face of my constitutional rights to get to the bottom of errors and clear things up cause I have been truly suffering this entire time and Mr cooper Even sends a copy of the email sent from me in XX/XX/2021 so MR COOPER has the capability to retrieve my emails/documents retroactively ( XXXX!! ) but cant retrieve the very documents that i requested to clear up errors Mr cooper can ONLY read my email when its disrespectful or convenient for them to character sabotage but are oblivious when im trying to get accommodations because of my XXXX. What's so XXXX about all of this is mr cooper sent these documents individually already this month SEVERAL TIMES!! .then sent it all in a 50 page document then this last one is sent and its like 100 pages plus!!!!!!! i only scanned seventy cause Im using a XXXX XXXX XXXX and i have to manually scan it and it got cumbersome but WHY are you sending these documents over and over and over and over again??? why Mr cooper?? then when i complain you get off on a rule technicality!! is this why the XXXX was calling me to let me know of the mail drop? HAHA how did the XXXX even have assess to uncode my number that was deleted from your system ( XX/XX/2021 ) to call me on the XXXX ( when you are already supplied enough paper for a small forest ) don't leave a message to only see my complain yet you call me again don't leave another message then miraculously do another document drop of the same REDUNDANT information that you've ben supplying to everyone and that explains a lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My father had the same first, middle, and last name. I am the XXXX ( XXXX ). 

I can not access my credit history as the security questions to verify my identity to all 3 reporting agencies are my father 's information, not mine. I don't know his answers. All my answers result in " none of the above ''. 

I need access to remove his identity from my credit. This is a reoccurring issue that I have to deal with every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My father had the same first, middle, and last name. I am the XXXX ( XXXX ). 

I can not access my credit history as the security questions to verify my identity to all 3 reporting agencies are my father 's information, not mine. I don't know his answers. All my answers result in " none of the above ''. 

I need access to remove his identity from my credit. This is a reoccurring issue that I have to deal with every year.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a dispute to Equifax for multiple inquiries that I do not recognize on my credit report all done within the same day. The dispute was opened and closed as verified on the same day. There was no investigation in to the validity of the inquiries I disputed on my credit report. I would like the description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
U.S. Department of Education sold my information to XXXX  XXXX and XXXX  XXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.

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 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
U.S. Department of Education sold my information to XXXX XXXXXXXX and XXXX XXXXXXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX  sold my information to XXXX XXXXXXXX and XXXX XXXXXXXX sold my information to XXXX without my consent. I am very upset because my social security number is private insurance and I know by law they are not suppose to do that.

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 2022-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CO

Complaint narrative:
- I received a CARES Act deferral offer from XXXX Arvest Central Mortgage Co., dated XX/XX/XXXX. I Accepted the offer by signing and mailing it to XXXX on XX/XX/XXXX. 
- Thereafter, I received a Mortgage Statement from XXXX  dated XX/XX/XXXX. Under " Explanation of Amount Due '', it showed a " Regular Monthly Payment '' of {$2400.00}, which I paid by mailing a check to XXXX on XX/XX/XXXX. 
- The Mortgage Statement also said, " You have agreed to a Trial Modification ; please continue to make payments according to the schedule you were provided '' ; but I had not yet received any notice regarding trial modification. 
- Thereafter, I received another letter from XXXX dated XX/XX/XXXX. It stated, ( i ) " You are approved for a Trial Plan to Modify Your Mortgage Payment '' ; ( ii ) " Send your first trial period plan payment of {$1300.00} to accept this offer '' ; and ( iii ) " if you submit your first trial period plan payment by XX/XX/XXXX, follow this schedule for your second and third trial period plan payments. '' - On XX/XX/XXXX, I sent the first trial period payment to XXXX and on XX/XX/XXXX I sent the second trial period payment to XXXX 
- On XX/XX/XXXX, I received a call from XXXX  confirming ( i ) that the XXXX checks had been received, ( ii ) that the funds received had not been applied and ( iii ) she did not know why the funds had not been applied but ( iv ) she would transfer me to someone to address the problem. 
- After a long hold, the agent told me that no one was available, but someone would contact me. I told her it that it was difficult for me to receive calls due to my work, so XXXX should mail or email me stating how the problem would be resolved. It has now been over a month and I have not heard from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and I'm sending this complaint without any help from any Credit Repair Companies. My request for the correction and removal of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : RESIDENT VERIFY Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX SERVICE Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
On Wednesday, XX/XX/XXXX I was the victim of a scam involving a person ( s ) who created fraudulent email accounts to misrepresent my real estate agent, mortgage lender and escrow officer. I was under the impression that I was sending the downpayment for a home I am closing on to the escrow officer prior to my closing date. This scammer created multiple fake email accounts as well as had access to all of my home document information including address, total closing costs listed in my contract as well as names of those associated with my loan and their companies. 

This amount totaled {$92000.00} which was wired from my locaXXXX XXXX XXXX  XXXX account to a local JP Morgan Chase account. The fraud was discovered on Thursday, XX/XX/XXXX at XXXX at which point I called my bank and submitted a fraud report and requested a swift recall of the funds. On Friday, XX/XX/XXXX I called the local Chase Bank to inform them of the fraud and attempt to expedite the process by speaking with their fraud department so that they could respond to my fraud claim in order to freeze the account. After countless phone calls and transfers, there has been no response from Chase and no further action has progressed with my claim due to Chase Banks neglect to respond or relay this information to the appropriate department or person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2021 Chase Credit XXXX  notified me my credit score dropped almost XXXX points. After a lot of investing, it turns out Chase sold my AARP credit card to XXXXXXXX XXXX and gave incorrect, outdated personal information on me so that I never received a bill or any contact at all from XXXX regarding a {$60.00} payment due. ( Not even my correct last name ). That resulted in a delinquency on my 14 year Excellent credit score and dropped me from XXXX to XXXX. My credit reports history speak to how responsible I ALWAYS am. XXXX balances every month for 14 years, except my mortgage. I spoke with Chase and they said their records are purged. I spoke to XXXX XXXX XXXX  and they said they won't help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Companies : Experian and XXXX XXXX XXXX XXXX : XXXX XXXX Loan XXXX XXXX XXXX Home Equity loan # XXXX Loan was paid off in XX/XX/XXXX, but still shows with amounts owed : Experian shows {$10000.00} and XXXX shows {$10000.00}. 

Contacted XXXX XXXX on XX/XX/XXXX, and was told they submitted information to credit bureau on XX/XX/XXXX Contacted credit bureau same date and was told they did not get sufficient information to update my credit report. On XX/XX/XXXX, Experian representative hung-up on me after waiting more than 30 minutes. Neither company wants to take responsibility. I told them both this incorrect and negative information is impacting my credit report and credit score and it's hurting my ability to obtain the credit I am entitled 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 non-monetary relief
Consumer complaint received 2022-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To whom it may concern, in complaint # XXXX, I had outlined and provided documentary evidence showing false, incorrect report data with missing data points, and over XXXX months of reported payments after the account has been paid and closed. Instead of correcting the issue, Equifax denied my CFPB dispute and stated that is was sent by a 3rd party. They also said that they will not dispute any further disputes from me and didn't explain any details or specifics on what made my CFPB complaint look like a 3rd party submission. I submitted the enclosed complaint # XXXX to Equifax using my android device. Is it against CFPB and XXXX compliance law to have a 3rd party submit a dispute or complaint on my behalf? What does Equifax see in my complaint that I attached, that would constitutes their refusal to investigate, and/or correct their inaccurate reporting?

Company response to consumer: Closed with explanation