vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Hello Consumer finance portal, Cooper mortgage loan number : # XXXX My Name is XXXX XXXX XXXX and I had Mortgage with XXXX XXXX XXXX in XX/XX/XXXX. During initial time XXXX XXXX told me that once my Loan to home value met at XXXX Ratio, then PMI will be removed. Apart from my Principle and interest, I was paying additional PMI of {$74.00} per month.

with in XXXX  months, My loan was transferred to
COOPER mortgage company and after that they increased PMI to {$80.00} stating that XXXX  missed to collect XXXX month PMI. I have called multiple times to COPPER to re-assess my property as my property value was more than 20 % loan ratio and each time they declined this request saying one or other reasons and one of main reason is I have to wait for XXXX years to remove PMI.

In the Month of XXXX XXXX, I had completed XXXX  year requirement. I have called " COOPER mortgage '' and asked them to remove PMI and they started they came up with new requirement stating that I must meet XXXX value to loan ratio. They keep changing their statements and customer not signed any documents regarding their changes. I called countless times within first XXXX  years, representatives told me that, it is XXXX and now they changed to XXXX ratio. No where I signed document with these type of ratio changes for PMI applicability. I am worried now that these company again would change their terms after I complete XXXX years. 

I must report this and want to get resolution and also not sure for how many people they were doing these kind of false promises on PMI. This must be audited.

Cooper mortagage loan number : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: OH

Complaint narrative:
I received a inquiry on my credit report from XXXXAlthough it was removed I later received a letter saying the inquiry on my credit report was accurate.The name, email address, address, phone number and social were all different from mine.The name is different but only by one letter from my previous last name that I no longer use.The email is different by XXXX letters but I am receiving statements for a credit card I don't have.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I assert that the presence of inaccurately reported late payment remarks on my accounts violates 15 USC 1666.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
They have continuously called my work after speaking to them and asking them not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received an email from Bank of America on XX/XX/2023 stating that they sent me a check with the money left over in my account but it was sent return to sender and I needed to update my address. On XX/XX/XXXX I called B of A and updated my address, they advised me that I needed to into a branch with my ID to verify my identity, which I did. They stated they would send the check after I did that. I never received the check. I called again on XX/XX/XXXX to check the status, XX/XX/XXXX and today, XX/XX/XXXX, every time I call I spend at least XXXX hour being transferred to different departments, and every time, I am given a different story. They told me they didn't have my updated address at one point, even though they send mail to my new address prior to the conversation, in XXXX they told me they re-issued the check and to call back if I don't receive it. Nobody can give me a straight answer as to why the check hasn't been sent and why I keep getting different stories.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: 2288984 Ontario Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I contacted Moneykey to advise them that i wished to cancel a pre-authorized ACH debit I advised that i would call in a payment on the die date ( XX/XX/XXXX ). XXXX  XXXX i received a notice from them advising that it was their final demand for payment. My payment is due XX/XX/XXXX however on XXXX they sent a final demand for payment and threatened to send my account that is not due until XXXX to a 3rd party collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX American Express shared my account information without my consent to all XXXX  credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED INACCURATE LATE PAYMENTS BEING FURNISHED TO MY CREDIT REPORT. I HAVE NEVER BEEN LATE WITH THIS CREDITOR. 

I REQUESTED CONCRETE EVIDENCE OF THESE LATE PAYMENTS, WITH NO FORMAL RESPONSE. THESE LATE PAYMENTS ARE UNVERIFIABLE. FURNISHING THESE INACCURATE PAYMENTS ARE AFFECTING MY ABILITY TO OBTAIN CREDIT. LATE PAYMENTS ARE BEING FURNISHED DUE TO COMPUTATION, AND THE CREDITOR FAILING TO PROVIDE A STATEMENT 21 DAYS PRIOR TO THE DATE. NOT CORRECTING THIS IS IN VIOLATION OF 15 USC 1666B I HAVE NOT GIVEN ANY PERMISSION FOR THIS INFORMATION TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681 ACCORDING TO FCRA, INFORMATION PERTAINING TO TRANSACTIONS AND CUSTOMER EXPERIENCES ARE TO BE EXCLUDED FROM THE CONSUMER REPORT. REPORTING THIS INFORMATION IS IN VIOLATION OF 15 USC 1681S-3 LAST YOUR COMPANY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING THIS FALSE INFORMATION IS IN VIOLATION OF 15 USC 1681E ( B )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
Since XX/XX/2023 I been a victim of fraud with Citi cards. I notified them that charges were made, and I didn't approved them or made them. Citi Cards canceled my cards and send me new ones with different numbers more than 3 times and one time they send me a card with another persons name and I called them to notified them about that issue and they said it was a mistake, that they send me the wrong card. I called so many times to the company and they never fixed the problem. They already affect my credit score because they send me to the credit bureau as if I was not making payments but I am not going to continue making payments on thing I didn't Charge. I even closed the account and they continue making charges. The Citi cards didn't knew what explanation to give me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 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: NJ

Complaint narrative:
I received a letter from Resurgent about a debt that was purchased by LVNV Funding. I refuse to pay this debt and this debt is disputed by me. I faxed my dispute today XX/XX/2024 to the fax number they provided in the notice they sent. I request that they provide me with proof that they own this debt and the purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2024 - XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX  called me, XXXX XXXX XXXX He informed me that someone from XXXX  sent a credit card application to XXXX, using my name, SS no. with a XXXX address. I said, No I did not create any XXXX credit card application, and I live in XXXX. He created a case number XXXX, and he transferred me to XXXX XXXX XXXXXXXX Comsumer Financial Protection Bureau. The number is XXXX. 
Then a guy answered, His name is XXXX XXXX with XXXX XXXX. He said he worked at the Security Department of Comsumer Financial Protection Bureau. He said he will help me terminate the application of credit card to XXXX, with the Georgia address. 
Additionally, he asked me to verify my credit report on other credit cards such as XXXX XXXX, XXXX, Citicard. He was reading all the balances and credit card numbers of my cards, and asked me to verify. He said he needs it for him to help me reduce my credit cards, especially the high credit card interest over 4.5 %. I told him I'm not using the XXXX  XXXX card and I wanted to close but XXXX did not close it. He said he closed it. And then he asked me on discover and Citicard to apply for a low interest at 4.5 % since my interest is more than 10 %. I told him I am aware and was given offer but XXXX consider it sometime but not now. He tried to convince me close the XXXX cards, and transfer to a credit card with lower interest such as XXXX, or other bank. I said no. That's when I challenge him that you closed the application for XXXX, and now you're giving an example to move my Citicard balance to another back with lower interest? 
I told him, I'm becoming suspicious on him if he was a real XXXX agent or not. He talked to me fr more than XXXX minutes and that's when I asked him this sounds to me a scam. He has access to all my social security number, all credit card information, because he pulled by credit report and read to me all the financial information i had with the balances of each card. 
This is serious for me to report to the authorities and investigate, and protect my ss number, identity, and credit cards. 
He gave me another number to call back if XXXX from Illinois he said. 

PLEASE HELP THIS IS FRAUD! 

Thank you. 

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 explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am formally requesting the removal of this erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I was trying to buy a house and upon that realized i had damages specifically the ones listed below from each credit company, these are damages on my report and according to the 15 u.s.c 1618, I should not have any unauthorized damages on my report, below states each one that is on my credit report. 

TRANSUNION : XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXXXXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/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 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am following up on my complaint regarding the persisting negative accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I just pulled a copy of my credit report and I noticed my personal information is being inaccurately reported and I need you guys to modify and update my information. Lenders are having a hard time verifying who I am because of the information you guys have of me. According to the Law, it is required that you report correct personal information within my consumer report, and it must be deleted and/or updated within my credit file, or you are willfully violating the civil liability section of the Fair Credit Reporting Act, 15 U.S. Code 1681n.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I checked my credit report and I spotted an inaccurate and unverified accounts listed in my credit report. The other credit reporting agencies do not list this account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I assert that the presence of inaccurately reported late payment remarks on my accounts violates the 15 USC 1666.

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