vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have been attempting to remove private mortgage insurance ( PMI ) from my loan serviced by Mr. Cooper for several years. Despite meeting eligibility criteria, I have faced ongoing misinformation, contradictory requirements, and what appears to be intentional obstruction. 

Key points of concern : I was initially advised by a representative to make a {$6000.00} lump-sum principal payment to remove PMI, despite my PMI only costing XXXX XXXX  I later discovered this was inaccurate advice. 

Once I reached over 22 % equity, I was told my loan-to-value ( LTV ) ratio had to reach 65 % because my property is a XXXXXXXX XXXX that this percentage must be based on the original value of the home, not the current value. This contradicts general PMI removal practices and XXXX guidelines. 

Despite the increase in my homes market value, Mr. Cooper refuses to use current value or original refinance value and now requires that I pay approximately {$600.00} for an appraisalconducted only by their selected appraisers. 

There is no assurance the appraiser will be local or accurate, and if the valuation is low, I am forced to continue paying PMI, even though Im currently at 64 % LTV. 

My mortgage payment was recently increased. I do not escrow, and I was told the increase was due to a skipped PMI payment from the month of refinancesomething Ive never encountered in my XXXX years as a mortgage professional. 

Ive reviewed XXXX XXXX guidelines ( I believe they own the loan ), but Mr. Cooper refuses to acknowledge them and continues to deny PMI removal eligibility, with no consistent or transparent rationale. 

Each time I contact customer service, I receive a different story. Most representatives appear untrained or provide inaccurate information. The servicing has only worsened since the company was acquired by XXXX XXXX calls are disconnected after long holds, and chat support has been unhelpful. 

I believe Mr. Cooper is violating mortgage servicing rules and potentially profiting from PMI that should have been canceled under standard guidelines. If this is happening to me, it is likely happening to others as wellespecially borrowers who are unaware of their rights. 

I am requesting a formal investigation into Mr. Coopers PMI cancellation practices and their compliance with applicable federal and XXXX guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MO

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: SC

Complaint narrative:
15 U.S.Code 1692 ( a ) 1692 ( a ) - Consumer has a right to privacy. My privacy has been violated by 15 U.S. Code 1692 ( a ).

AFFIDAVIT Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). 
My consumer rights have been violated by Experian placing negative information on my consumer report without my verbal or written consent!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates ( PRA ). This is a 3rd party debt collector, that is aggressively attempting to collect a debt that is allegedly owed to XXXX XXXX. PRA has called me multiple times a day, so frequently, from so many different numbers that it became insufferable. I have never entered an agreement with PRA and they have not provided any legal sufficient validation of this debt. XXXX XXXX previously removed this same alleged debt off of my credit report due to inaccuracies and no validity. Despite this, and having no verifiable documents or contracts between us, PRA has somehow reported & attached this alleged debt to my credit report. This has negatively affected my credit profile and it immediately dropped my score by XXXX points. This is unfair to me and it violates my rights under the FDCPA. It also appears that their actions may constitute unfair and deceptive practices, by the absence of a legally binding agreement between us. Please investigate PRA 's deception and the aggressive tactics they have taken against me. They are trying to retrieve an alleged debt that the original creditor has already removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX XXXX, XXXX. 
Attn : Consumer Services Department XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, NV XXXX RE : Request for Security Freeze on Consumer Report To Whom It May Concern : I am writing to request a security freeze be placed on my consumer report maintained by XXXX XXXX XXXX in accordance with federal law. I understand this freeze will prohibit the release of my consumer report without my express authorization. 

Please find enclosed the following required documentation to process this request : 1. Copy of my government-issued photo identification 2. Proof of current address ( utility bill dated within the last 90 days ) My personal information is as follows : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX, LA XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Email Address : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: CA

Complaint narrative:
XXXX XXXX  account ending in XXXX has been closed, but shows late payments. Per 15 U.S. Code 1666b also known as Timing of Payments, deals with the timing of payments on credit card accounts under open-end consumer credit plans. It dictates that a creditor can not treat a payment as late unless they've taken reasonable steps to ensure the periodic statement, including information required by 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date. This section also addresses grace periods and the imposition of finance charges. 

This is an administration error for late payments of dates with XX/XX/year>, XX/XX/year>, XX/XX/year> should be removed if this account is closed.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I paid ProCollect Inc # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
In the full amount of XXXX $ plus their fee off XXXX $ and they refused to supply me with a Receipt of payment or move my account to good standing.They have already deducted my money from my checking account.Any attempts to get any paperwork from them has been met with phone calls being hang up or being told to wait an extra XXXX hours.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I did not open these Affrim accounts they were open fraudulent without my consent and with out my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Capital Services, LLC
State: WA

Complaint narrative:
I have been receiving ongoing harassment from XXXX XXXX, a debt collector representing Structured Settlement. I have made multiple requests for this collector to stop contacting me at my place of business as I do not work. Normal business hours. Despite these requests, the calls have persisted, causing undue humiliation and potentially damaging my reputation with my employer. 

During our conversations, I have made sincere attempts to discuss a payment arrangement. Instead of working with me in good faith, XXXX XXXX has resorted to using threatening language and intimidation tactics. On multiple occasions, he has emphasized that I live in a garnishable state and dismisses my proposed payment amounts by saying they are less than the 25 % he can take through court action. 

This behavior is unprofessional and possibly in violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits : Contacting a consumer at their workplace after being asked not to, Threatening legal action without the intention or legal right to do so, Using harassing, oppressive, or abusive tactics to collect a debt.

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 2025-04-14 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: Security Credit Services, LLC
State: CA

Complaint narrative:
To Whom It May Concern, I filed a complaint with the XXXX  and now with CFPB, I never got the resolution that I was looking for with the XXXX  Please find attached a copy of the complaint Pursuant to 15 U.S. Code 1692g, I requested verification of the debt from Security Credit Services LLC, including a copy of the original contract and they never sent proper proof all they sent were the letters that you will find attached to this dispute, claiming they own the debt. If this is true and you actually own the debt, then you should not have a problem with my request. I would like a copy of the original contract It's my right to request this information under the law. 

According to the law Security Credit Services , LLC must stop reporting to all XXXX major credit bureaus until they can provide the original contract that I requested so that I can validate this debt. Until I receive the original contract and not screenshots of the account, I can not and do not agree therefore can not validate the debt. Security Credit Services LLC and I never entered into a legally bonded contract to conduct business with one another!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
When inquiring about my available credit, I was advised that my account was closed. I was not given a reason. A couple of days later I received a letter from the credit card company stating that they closed my account in accordance with the terms of the cardholder agreement which allows them to close the account at any time for any reason. However I have not been given a reason. I have consistently used this credit card and paid it timely each month. In order to determine whether or not I am being discriminated against, I need to have a reason that they chose to close 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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Investigate the completeness of every piece of information. If you found this account to be inaccurate or incomplete, delete this account according to section 168i ( 5 ) of the Fair Credit Reporting Act.

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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
15 U.S.Code 1692 ( a ) 1692 ( a ) - Consumer has a right to privacy. My privacy has been violated by 15 U.S. Code 1692 ( a ).

AFFIDAVIT Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). 
My consumer rights have been violated by Experian placing negative information on my consumer report without my verbal or written consent!

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 2025-04-14 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: SC

Complaint narrative:
15 U.S.Code 1692 ( a ) 1692 ( a ) - Consumer has a right to privacy. My privacy has been violated by 15 U.S. Code 1692 ( a ).

AFFIDAVIT Notice, it is a fact, I, the affiant is a consumer and has the right to privacy in accordance with 15 U.S.Code 1692 ( a ). 
My consumer rights have been violated by Experian placing negative information on my consumer report without my verbal or written consent!

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
During my recent credit review in XX/XX/XXXX, I found multiple inquiries made without my knowledge or authorization. I did not apply for any loans or services related to the following entries : American 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
For whoever it concern all this accounts were not authorized by me, please block and remove them from my credit file and never bring them back, please is already third time I provide docs to u guys im suffering identitytheft and I can not even get the accounts away from my credit file, please again, block and remove from my credit file

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For whoever it concern all this accounts were not authorized by me, please block and remove them from my credit file and never bring them back, please is already third time I provide docs to u guys im suffering identitytheft and I can not even get the accounts away from my credit file, please again, block and remove from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Peer Advisors, LLC
State: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX  is the lender of a reverse mtg HECM A federal FHA loan customer information has appeared on solicitation for home warranty letter in hand and mailed in the US Postal system with the offical looking as a final attempt looking like it is from the lender asking for home warrenty informing me of the requirements of my loan. 
the company in small type XXXX the size of the other type at the far bottom, with the name of " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. a check on this company shows XXXX complaints for similar letter. XXXX should be cited for breach of customer information on a federal loan as the letter is correctly addiressed, person correct, knowledge of a reverse mtg, spoofs as being from the lender .. How did they get the list of XXXX customers? What has XXXX done to follow Federal rules of customer data security and notify customers of a breach?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
I am reaching out regarding my Military Star account, which continues to show as open despite no action being taken by Military Star after a voluntary allotment request was submitted. Unfortunately, no involuntary action was taken, and the account was subsequently sent to collections. 

Before this account was sent to collections in XXXX, I submitted documentation for an allotment ( DD Form 2558 ) to AAFES and XXXX However, this request was never processed, and the account has since become severely delinquent. Despite numerous attempts to resolve this matter through certified mail, I have not received any response from AAFES or the AAFES collection department at XXXX 

I have made every effort to resolve this issue, but have not received adequate assistance. It appears that AAFES has created unnecessary difficulties for service members regarding their credit, rather than processing allotments as requested and addressing these issues promptly they would rather the account go into collections and not respond to attempts to fix the account and then they collect on the interest rate literally is my case currently what is happening. 

I think its completly unfair, illegal and unjust that a company throws my account into collections when it was at a {$5400.00} balance when i submitted a request for an alottment ( take out of my paycheck ) and because they did not process that alottment they threw it the account into collections with XXXXXXXX XXXX XXXX and then it racked up interest over the two years and never responded to attempts to fix the account or reconcile the issue. When tax time came XXXX XXXX  for tax year XXXX I pushed my taxes ( by requesting the IRS TOPs ) to be submitted by bringing the balance down from {$7500.00} to {$4500.00} currently however, most of that is interest rate they been charging me without responding to my attempts to resolve the account so that is fraud and theft and illegal. 

My account if done correctly would not be in collections and would be down to about 25 % of the account limit of {$5500.00} however, since they illegally pushed it to collections, they been making money off of this account when its no fault of my own.

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