vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I Mr cooper in XXXX to cancel my escrow. The employee I spoke to said they had " processed my request and escrow would be cancelled in about 2 weeks. '' In the meantime i payed the principal amount for XXXX expecting escrow to be removed. XXXX comes around and the application says i still owe for XXXX and owe the full amount with escrow included for XXXX so I called again to cancel escrow. The person I spoke to this time told me nothing was ever processed for me, nor was the process even started by the employee i spoke to. I was then made to pay the remainder of XXXX and the entirety of XXXX just to process the application to cancel escrow which should have been processed in XXXX. I made these payments and we processed the escrow request. I was told that I did not need to pay XXXX until escrow had been canceled and that we could back-date the payment so I waited to hear escrow was cancelled. I heard it had been cancelled and that my check would be sent to me around XX/XX/XXXX by an employee initialled XXXX who was a supervisor. This was at a time that my account was cucrrent and no overdue payments at the time. No escrow check was ever sent to me. Instead the institution took it upon themselves to use my money that was no longer escrow without so much as speaking to me let alone getting my consent. The justification the company used was that my account was delinquent which is fundamentally not true. and the only reason it got to that point was because I was waiting for the check they told me would be sent to me that they withheld because i had not made the monethly payment BEFORE it was past due. I never authorized this company to use my money in any way, and again this is money from an old escrow account that had been closed in which this company had no permission to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AXOS FINANCIAL, INC.
State: ME

Complaint narrative:
Received funds from a loan in the Axos Checking account XXXX. Immediately initiated an ACH transfer to my XXXX XXXX XXXX XXXX XXXX account ( already linked and used previously for ACH transfers ). XXXX {$12000.00}. 

AXOS note credited the amount on XXXX and issued an ACH transfer tracking number : XXXX As of XXXX the funds have still not arrived at XXXX XXXX XXXX. XXXX can not locate the provided ACH tracking number in the ACH transfer system ( they say this means it has not been submitted for transfer ). 

AXOS bank customer service is unable to provide any further information and says " just to wait '' - Case # XXXX opened with their escalation. 

XXXX confirmed ACH transfer should take XXXX days, and at the very least should be able to see it in the system. Not sure why AXOS would " pretend '' to transfer the money, but this is money I need to pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I got bills from the County of Fairfax for tax collection on my cars. I sent the check but only some were cashed by the county. It then went into collections. The printed bill stated that a penalty would be assessed. It did not match up with what XXXX was stating. 

They called several times and i told them that I sent the check to the County. They said ok. Apparently the County did not accept the check and the collection company needed to collect the bill. The bill was for {$1800.00} and they told me I owed over {$2700.00} ( on one car ). I told them that this could not be correct and the agent ( XXXX XXXX ) was rude and dismissive and would not accurately anweer my questions. He was argumentative. 

I eventually paid what he told me to pay because they filed a lien with my bank even though I was told I had until certain date to make payment ( which I did ).

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 2023-04-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have this Capital one Card ending in XXXX. I got an alert with XXXX in regards to a late payment. I have not used this card in a very long time. I called to find out what is the balance for. come to find out it is due to an annual fee. I never got an email. she said sometimes they fall into spam. I told XXXX XXXX ID XXXX No this is not ok. look at my history I have never been late. what can we do to remove this from my credit report. I will gladly pay to have this removed and close my account as I have NOT used this card in a very long time! She said she could not do that. I told her ok let me do some things and get back to you. Can you help me? This is completely unfair. I have a great history with them in the past. Never late This is not right that due to an annual fee this is on my report. As I told XXXX I will gladly pay this. but I want to close the account as well. Please help me with getting this removed. 

Capital one Card # XXXX Exp XX/XX/22 XXXX digit code XXXX Their number XXXX The expiration date alone says it all. I never even got a new card. 

Please help me my email is XXXX my cell XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
Im XXXX XXXX my address is XXXX XXXX XXXX, XXXX CA XXXX. Im was on a deferral for long term XXXX for 11 months and started experiencing long term XXXX XXXX worse and My mortgage company says I can only have one more month for a total of 12 months under the program I requested 18 months I started my deferral before the deadline. They refused. I need your assistance. I have long term XXXX Im sick from it. Forbearance. 

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 2023-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERIS BANCORP
State: FL

Complaint narrative:
HELLO MY NAME IS XXXX XXXX XXXX XXXX OWNER OF THE XXXX XXXX XXXX XXXX, AND I AM MAKING THIS CLAIM BECAUSE XXXX XXXX HAS NOT DELIVERED ME A CHECK WITH THE FUNDS FROM MY ACCOUNT THAT SHOULD ALREADY BE CLOSED, I HAVE MORE THAN TWO MONTHS WAITING FOR A RECEIVED MY MONEY AND THEY NEVER SENT IT TO ME,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: PA

Complaint narrative:
Fruadlent accounts appearing on credit reports. 

1. XXXX {$2200.00} 2. XXXX XXXX XXXX XXXX {$16000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hunt & Henriques
State: CA

Complaint narrative:
This matter centers on a credit card I had with XXXX XXXX which I had paid off in XXXX. 
Some time later, I learned XXXX XXXX was reporting a balance owed. XXXX XXXX and I were in contact in XX/XX/XXXX about how to resolve the issue. 

On XX/XX/XXXX I received a letter via USPS regular mail from Hunt & Henriques, LLC ( see attachment # 1 ). This letter notified me of their intention to file suit against me, with no instructions or opportunity to discuss or remedy. This letter also informed me that Hunt & Henriques are not legally licensed in California as debt collectors. The letter is not signed by an attorney, the name is crossed out and the name of XXXX XXXX is handwritten in the salutation. 

On XX/XX/XXXX, XXXX days following receipt of their letter, I sent a validation notice response to Hunt & Henriques via USPS Certified Mail. According to USPS tracking website, my letter was delivered and received by an individual at Hunt & Henriques on XX/XX/XXXX. ( See attached letter, USPS receipt for transmittal and USPS tracking printout confirming my letter delivered to an individual at XXXX XXXX  on XX/XX/XXXX attachments 2, 3 and 4 ). 
. 
My validation notice to Hunt & Henriques sought validate information as provided for me as a consumer by the FDCPA. Specifically, 1 ) Verification of the creditor they claim to represent.

2 ) Validation of the basis for the debt.

3 ) Provide a copy of the last billing attempt by their alleged client.

4 ) Verify what payments may have been made since the last billing. 
5 ) Verification that Hunt & Henriquez have a debt collection license in the State of California.

6 ) Notifying them I disputed the debt. 

As of today, XX/XX/XXXX, Hunt & Henriques LLP has not responded to my validation notice. Their failure to respond to me within 30 days is a violation of my rights as a consumer according to the FDCPA. Instead, they chose to file a complaint in XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX of XXXX, Case # XXXX attached ) on XX/XX/XXXX. I was served at home in front of my wife and children. I consider this to be an attempt to intimidate, harass and coerce me into paying an unverified debt they are not licensed to collect. 

As required, I have filed my response to my to their complaint on XX/XX/XXXX ( attached ). 

In addition to this response, I am filing complaints with the CFPB and Attorney General of the State of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Solutions has untainted a fraudulent credit card debt open with my SS # and is continuously harassing me through phone calls. I have disputed this account several time with no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XXXX I took out a mortgage with Carrington Mortgage Services. In XXXX, when Covid lockdowns happened, I was concerned about being able to pay my mortgage in the event that my XXXX checks got held up by the XXXX XXXX XXXX put me in forbearance without any consent from me. When I told them I wanted off of it they told me I had to make a payment by XX/XX/XXXX, or I would be charged for all four months of payments. I sent a cashier 's check early. They rejected the payment because it was OVER by one cent. They then immediately told me I had to come up with four mortgage payments and threatened to foreclose on my house. I was forced to borrow money from a friend to prevent foreclosure but the bad credit remains. Carrington 's actions were predatory in every way. There were harassing phone calls and when I called them they made it impossible to speak to anyone who could " access my file ''. They arbitrarily rejected payments made in good faith because they could make more money by collecting bad debt or foreclosing. The second-and third-order effects of Carrington 's bad acts are that my credit is severely damaged, not just with them, but with all of the creditors I have struggled to pay as a result of their bad acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please review and investigate following errors, inconsistencies and inaccuracies and omissions I was able to find on my reports. 
According to the FCRA you must maximum possible accuracy when reporting and sharing my credit history.As shown below it is clear and apparent that this doesnt meet the standards required by the FCRA not your own industries writing and accepting standards.I feel and accurate report is very important as I have heard that people have be denied life changing loans because their credit score was just one point away from qualification The payment history information needs to be investigated and either completely fixed or this account should be removed in its entirety.I feel that in order to maintain the federally required maximum possible accuracy on my reports in the FCRA the entire payment history on the account must the showing the and accurate Experian I notice after you start reporting on this account that there was missing data is a violation as the information missing could affect my score and turn my ability to obtain a loan.Please investigate the data for the following months that are missing payment information XX/XX/2018 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 2023-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TransUnion has a duty to the FCRA to report correct and accurate information on my credit report and file. However, they are NOT. TransUnion is reporting 7 inaccurate late payments for the XXXX XXXX XXXX XXXX  account ending in XXXX and BXXXX XXXX XXXX XXXX XXXXcount ending in XXXX. These include 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and a 60 day late payment posted in XX/XX/XXXX. These are inaccurate and are supposed to be reporting as PAID AS AGREED. In addition, in accordance with 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the individual making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. Furthermore, I did NOT give TransUnion written instruction/permission to furnish these inaccurate late payments on my consumer report or file, which violates 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TransUnion violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2023-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: VA

Complaint narrative:
I received a debt collection notice for budget rental car from Viking Client Services , LLC dated XX/XX/2023 in the amount of {$64.00} and I called the company XXXX XXXX XXXX XXXX ) and they stated there is no debt owed on their records and referred me to their collections department. However, no one from XXXX XXXX XXXXXXXX collections has returned my phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Experian is governed by 15 USC 1681. And they violated my rights numerous times. I demand this account below be removed. 

XXXXXXXX XXXX & XXXX. 
Account number : XXXX Contact Info : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish this 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 2023-04-07 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:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  account # XXXX this is not my account. I have never signed any agreement or obtained and debt with this company. Please make this company verify a copy of any detailed written and signed agreement or information holding me responsible for this 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 non-monetary relief
Consumer complaint received 2023-04-07 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: CA

Complaint narrative:
I want to file this complaint to EXPERIAN. I wrote to them the inaccuracies of my credit report including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it its over 30 days. As I checked and reviewed my credit report seems nothing has changed and no action has been taken. 

My rights have been violated numerous times. 15 U.S.C 1681 section 602 A. States that I have the right to privacy.15 U.S.C 1681 section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.

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