vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
I entered into a mortgage which was subsequently sold to Mr. Cooper. Prior to the sale of my mortgage, the previous servicers had purchased property insurance on my behalf due to their not receiving the proof of insurance that I had submitted. They later received the proof of insurance and cancelled the policy they placed and the premium was refunded to the loan servicer. Subsequently, Mr. Cooper acquired my mortgage but the refund had not hit my account on the date of transfer. My Cooper has been charging me for an escrow payment of {$100.00} each month since that date even though I have no escrow account with them. Purportedly, it is to recoup the insurance premium that was refunded to the loan servicer. I've spoken to both the original loan service and Mr. Cooper on the same call and these facts have been confirmed and that I owe no escrow amounts. However Mr. Cooper has continued to charge me for the escrow improperly. In essence, they are stealing money from me because no amounts are owed and they agree that no amounts are owed. I've been dealing with this issue with them repeatedly for several months. Now when I try to speak to a representative, their customer service number will not allow me to speak to a person. You can only receive automated information unless you are requesting to refinance with them. I need your help it getting Mr. Cooper to stop stealing my money. I've asked them to apply all of the amounts they collected in error to principal but after several months nothing has occurred. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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:
Recently check my credit report and seen that the following account XXXX was on my report. I never had an account with XXXX XXXX there fore its a result of fraud. Its hindering me from purchasing a house. Would like this account removed as soon as possible thank 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 2023-05-12 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

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 2023-05-12 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a statement for my Banana Republic Card from Barclay Bank. I went online on XX/XX/XXXX to make a payment ; however I noticed that both a late fee and interest were charged on the purchase. The statement I received on XX/XX/XXXX was the ONLY statement that I received from them. I always pay my cards in full and on-time, but as this is a card I rarely ( if ever ) use this is not on autopay.

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 monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I never received the product that I financed and after two months of paying I stopped sending payments. Have on multiple occasions tried contacting the lender and the distributor about my problem and have received no help they have denied my claims and sent me into debt without any proof that I even had the product. I have tried disputing the debt and they then sold my debt off to a collection agency which has affected my credit score and stopped me from being able to have a clean record due to a derogatory payment being on file. I cant clean up my credit score if this is never removed as I have no plans on paying for services I never received. Would not recommend using this company for any loans!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: IL

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There is an account on my credit report that should not be reporting due to inaccuracies and unverified information. The account is XXXX XXXX  XXXX XXXX XXXX. I sent a letter 4 months ago to the creditor and they have not responded which is a violation of the FDCPA. The credit reporting agencies are also in violation of the FCRA due to the reporting of unverified accounts. Please see the attached letter that was sent to the creditor which is dated and time stamped. I am requesting the removal of the account immediately due to the company ignoring my requests and many FCRA and FDCPA violations. This should be removed from my credit report within 15 days to avoid further negligence. If this is not removed from my credit report I will proceed with legal action.

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 2023-05-12 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: NC

Complaint narrative:
On XXXX i mailed a letter to XXXX asking for the validation of debt. The company did not provide the documentation. They were unable to produced said requirements within the allotted threshold, by federal law it is required to remove the account from my consumer report without prejudice. 

On XXXX i received a letter advising me that the tradelines and payment history will be updated and to allow up to 30 days for the credit bureau agencies to reflect the changes. However, I did not notice any changes. 

After, I did not notice any changes a mailed another debt validation letter and i did not receive any information from XXXX. Therefore, I called, and I was directed to contact XXXX management who stated it will be deleted and still no changes to the credit report. 

I agent for principal XXXX XXXX and affiant, have reason to believe and do so believe I the consumer, owe no such alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
During the Pandemic my wife received a letter stating that she would be let go from her job because of the pandemic, In turn I could not pay on time 4 of my accounts, from credit cards to installment accounts. I submitted prove of documentation that they can see that not only did I missed past 30 days but there after I paid them i=on time and eventually I paid them in full. I explained that this dropped my score significantly and because of it I could not afford to purchase a home for me and my family. The reason I submitted to have to negative reporting removed from my reports was because I read online that if you had difficult paying on time because of the pandemic that they would work work with you if you can provide proof of what had taken place in your life like loss of employment. I want to also let you know that they took about 6 month to respond with letters sayin that they could not help me. The Dates that I missed payments past 30 days were after the lay off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
During the Pandemic my wife received a letter stating that she would be let go from her job because of the pandemic, In turn I could not pay on time 4 of my accounts, from credit cards to installment accounts. I submitted prove of documentation that they can see that not only did I missed past 30 days but there after I paid them i=on time and eventually I paid them in full. I explained that this dropped my score significantly and because of it I could not afford to purchase a home for me and my family. The reason I submitted to have to negative reporting removed from my reports was because I read online that if you had difficult paying on time because of the pandemic that they would work work with you if you can provide proof of what had taken place in your life like loss of employment. I want to also let you know that they took about 6 month to respond with letters sayin that they could not help me. The Dates that I missed payments past 30 days were after the lay off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MN

Complaint narrative:
This is in reference to complaint. XXXX XXXX XXXX also asks about the IP address used to take out the private student loan. The IP address used to sign the promissory note and to access the account was XXXX. XXXX XXXX asks why he didnt receive the cosigner information back in XXXX. This loan does not have a cosigner, so Aspire Servicing Center is unable to provide information about a cosigner. The results of Aspire Servicing Centers investigation was provided to him with the XX/XX/XXXX, ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ...... 
The statement above is from Aspire Servicing Center. I just have a few more questions. 
Aspire Loan states the IP address used to sign the promissory note and to access the account was XXXX... I have attached the document the shows the IP Address. This is pretty straight forward. Pull the IP address, location, etc. Why can't aspire loan take the effort to do this and provide the results to myself to review and then give an explanation on how it relates to my ID Theft? Also, Aspire loan states there is no information on the Cosigner. I have attached a document that states there was an application for a cosigner. Don't you think this is relevant to my ID Thief? What else is Aspire Loan withholding? What's relevant in this matter is how the application was processed, the IP Address of where it was processed and signed at, the COSIGNER application and denial letter, and everything that was done from the start of the application to the disbursement of the last amount. I want every transaction, document, and explanation of what happened. Can aspire loan pull detail information on the IP Address? Businesses have to cooperate and provide all information that is requested and related to the Victim of ID Thief as required by FTC and XXXX. I have a legal document stating account XXXX with XXXX XXXX was dismissed for evidence of Fraud and Frogery in XX/XX/XXXX. This account was opened and used at the same Bank location of XXXX in XXXX IA. XXXX. I have not lived in XXXX IA since Fall of XXXX.There 's no po Another point is my attorney at the time XXXX XXXX wrote a letter to Aspire loan service in XXXX asking about this loan as it relates to my ID Thief. In addition to my Police report I filed in XXXX stating fraud in my loans. I did access it in XXXX b/c I wanted to look into this account and see what has happened. That doesn't mean I opened the account and took out the loan. That just means I was investigating my ID Thief.

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 2023-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
This cause of action is for damages based upon Receivable Performance Management deceptive conduct and efforts to collect a debt, RPM false and misleading representation to collect a debt, Receivable Performance failed to comply with the fair debt collection practices act ( FDCPA ), section 15 U.s.c 1692c, by way of governing communication between a debt collector and consumer without my prior consent from the consumer, and the Georgia Fair business practices act, ( O.C.G.A10-1-391, by way of causing I, XXXX XXXX to be subject to deceptive and unfair debt collection practices by way of causing my reputation to be defamed due to Receivable Performance extortionate means to collect a debt. I am bringing this notice to Receivable Performance attention to demand that you immediately cease all communication with me regarding the alleged debt you are attempting to collect, and to inform you that you are in violation of the fair debt collection practices act 15 U.S.C 1692c by way of governing communications between a debt collector and a consumer without the prior consent from the consumer, and in violation of 18 U.S.C 892 by way of gaining extortionate means to collect a debt by extortion of credit. Under the FDCPA, debt collectors are required to obtain prior consent from consumers before communicating with them regarding a debt. You have failed to obtain such consent from me, and as such, your attempts to contact me are in violation of the law. I demand that you immediately cease all communication with me regarding this debt, and that you provide written confirmation that you will no longer attempt to contact me through any medium, Furthermore, you have violated 18 u.s.c 892 by attempting to collect this debt through extortionate means. Specifically, I believe that you have threatened to harm my credit score or take other actions that would be harmful to me in order to pressure me into paying this debt. This behavior is illegal and unacceptable, and I demand relief and that you cease such practices immediately. If you fail to comply with my demands, I will be forced to take legal action to protect my rights. I reserve the right to seek damages and other remedies under the law. Please confirm in writing that you have received this letter and that you will cease all communications with me regarding this debt. Sincerely, 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 2023-05-12 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: TX

Complaint narrative:
There is an account on my credit report that should not be reporting due to inaccuracies and unverified information. The account is XXXX XXXX  XXXX XXXX XXXX. I sent a letter 4 months ago to the creditor and they have not responded which is a violation of the FDCPA. The credit reporting agencies are also in violation of the FCRA due to the reporting of unverified accounts. Please see the attached letter that was sent to the creditor which is dated and time stamped. I am requesting the removal of the account immediately due to the company ignoring my requests and many FCRA and FDCPA violations. This should be removed from my credit report within 15 days to avoid further negligence. If this is not removed from my credit report I will proceed with legal action.

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 2023-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is an account on my credit report that should not be reporting due to inaccuracies and unverified information. The account is XXXX XXXX  XXXX XXXX XXXX. I sent a letter 4 months ago to the creditor and they have not responded which is a violation of the FDCPA. The credit reporting agencies are also in violation of the FCRA due to the reporting of unverified accounts. Please see the attached letter that was sent to the creditor which is dated and time stamped. I am requesting the removal of the account immediately due to the company ignoring my requests and many FCRA and FDCPA violations. This should be removed from my credit report within 15 days to avoid further negligence. If this is not removed from my credit report I will proceed with legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I have tried to transfer money from my Citibank savings account and they have frozen any withdrawals until a month from 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 explanation
Consumer complaint received 2023-05-12 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: IN

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: IL

Complaint narrative:
After receiving the letter of validation from XXXX XXXX XXXX. I've noticed that there are forgery and false information on this bill of sell. as for one that signature is not mine, as Ive stated in my affidavit my brother forged my signature but you overlooked that. Ive also sent in a letter from my brother with his ID attached apologizing to me that he has done me wrong, for which I've forgiving him for. and also on the letter of validation you had one address, then you stretched it out and put another address. that's forgery. Ive never staded at neither of these addresses my brother did, I never let know one know where I stay this is why he had to use his address because he did not know where I live. 
on the address you have XXXX XXXX XXXX I never stayed there but my brother did, you got XXXX or XXXX XXXX  XXXX, I've never stayed there but my brother did, you see all of this is leading back to my brother, this is why he is in prison now for theft and breaking and entering. therefore ive submitted documents to you numerous times, but you falil to see things in a different prospective. all I ask is for you to clear my name and go after the person who owe you money and that is my stepdaughter XXXX XXXX and not XXXX XXXX I would never co sign for anyone not even my mother, so why would I co sign for anyone else.

Company response to consumer: Closed with explanation