vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to formally lodge a complaint regarding a distressing situation I have encountered with my mortgage lender, Mr. Cooper, also known as Nationstar Mortgage. As a XXXX veteran XXXX XXXX, I have been faced with numerous challenges in my pursuit of assistance, and I believe that I have been discriminated against based on my status as a veteran and my XXXX. 

I am currently at risk of losing my home, with a forced sale scheduled for XX/XX/year>. Despite my numerous attempts to communicate with Mr. Cooper about obtaining a loan modification and other forms of assistance, I have experienced consistent barriers and a lack of support from their representatives. I have called multiple times, pleading for help and explaining my situation, but my requests have been met with indifference and rejection. 

It is particularly disheartening that Mr. Cooper has not only refused to assist me but seems to have disregarded my circumstances as a XXXX veteran entirely. The stress of this impending sale is compounded by my condition, which affects my ability to navigate these challenges effectively. 

I would like to bring to your attention the following points : XXXX. **Lack of Assistance** : Despite being a long-standing customer and having a legitimate request for a loan modification, Mr. Cooper has consistently denied my applications without providing adequate explanations or alternatives. 

XXXX. **Discrimination** : I believe that my status as a XXXX veteran has played a role in the lack of support I have received. The treatment I have endured feels discriminatory and unjust, as I am entitled to fair treatment under the law. 

XXXX. **Risk of Homelessness** : The imminent sale of my home poses a severe risk to my well-being and stability. I urge your office to investigate this matter thoroughly and provide guidance on how I might rectify my situation. 

I kindly request your assistance in addressing this grievance with XXXX XXXXXXXX XXXX. Moreover, I hope that my experience can contribute to better practices and policies for assisting veterans like myself in the future. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: LA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NV

Complaint narrative:
As Per FDCPA AND FCRA LAWS, COLLECTION AGENCIES MUST VALIDATE DEBT WITHIN 5 DAYS AT THE REQUEST OF THE CONSUMER, IN A NUTSHELL, DEBT VALIDATION IS A SPECIFIC PROCESS THAT COLLECTION AGENCIES MUST FOLLOW PER THE LAW. NONE OF THE COLLECTION AGENCIES I SENT LETTERS TO AND NONE OF THE XXXX CREDIT BUREAUS I SENT SPECIFIC DEBT VALIDATION REQUESTS TO HAVE FOLLOWED FDCPA AND FCRA LAWS AND PRODUCED ANY OF THE DOCUMENTS IVE REQUESTED :. 

THEY MUST PRODUCE THE DOCUMENTS I REQUESTED THAT INCLUDE : ASSIGNMENT CONTRACT DATE OF LAST MISSED PAYMENT PURCHASE AGREEMENT XXXX OPT OUT OF 3RD PARTY AGREEMENT METHOD USED FOR VALIDATION AND WHO VALIDATED LICENSE TO COLLECT DEBT IN MY STATE STATUE OF LIMITATION THE DEBTS LISTED ON MY CREDIT REPORT MUST BE VALIDATED OR MUST BE DELETED OR REMOVED AS THE COLLECTION AGENCY CAN NOT CONTINUE TO DAMAGE MY CREDIT BY REPORTING THIS INFORMATION IF THEY DO NOT VALIDATE IT : THOSE DEBTS INCLUDE : XXXX XXXX XXXX BANK AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: IL

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 explanation
Consumer complaint received 2024-08-30 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am trying to use my everify to complete a background check for a prospective employer and of the ALL the information being used to properly verify my identity is incorrect and never belonged to me. I have filed a identity theft report ( see attached ) and have tried several times to contact Equifax via phone and through their website and have not been successful. My everify told me verbatim to contact Equifax as they are the verifiers of my personal information. I need help ASAP as this fraud is Interfering with me gaining employment and taking care of myself financially. This is a huge burden and is effecting all aspects of my life. They are in violation of the FRCA for furnishing false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 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: FL

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
On XXXX XX/XX/year> I sent a Registered Mail parcel to USAA Credit Card XXXX Account ending in XXXX containing a Payment Instrument XXXX XXXXXXXX NEGOTIABLE INSTRUMENT along with a PAYMENT ORDER/Instruction XXXX XXXXXXXX. ( See attachments ) USAA received the XXXX XXXX XXXX XXXX XX/XX/year>. To date they have refused to except my Instrument as payment with no legal justification. According to XXXX XXXX TENDER OF PAYMENT ( b ) IF tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender. The XXXX was stamped and endorsed tendered in the amount of {$10000.00} XXXX XXXX XXXX XXXX XXXX and XXXXXXXX 31 CFR 328.6. According to the XXXX that govern consumer transactions this debt is XXXX. 
I have made multiple attempts through phone communication informing USAA of their NOTICE OF DISHONOR.XXXX XXXXXXXX. Their only response is that they dont except the form of payment they received from me. This indicates that they have received my payment resulting in a Discharge of the debt. I have asked for written justification of which they have refused to supply me. Their actions are a violation of multiple code/ laws covered Code of Federal Regulations and XXXX XXXX XXXX. USAA has violated their fiduciary responsibilities as servicers of my 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 2024-08-30 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: MI

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 non-monetary relief
Consumer complaint received 2024-08-30 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: MI

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-30 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: GA

Complaint narrative:
For how long am I going to suffer from this account that was reported and I did not authorize of? I've been struggling on getting new loans because regardless of how many applications I try, I get rejected. I have sent complaints previously and all your company did was verify - not doing any action against this inaccurate 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 2024-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/year> I reached out to Bank of America estate department following my fathers death. My father had me listed under my married name ( XXXX XXXX XXXX as a POD on his CD and checking/savings. 
I immediately provided them with all requested documents ( death certificate, marriage certificate, beneficiary designation letter ). 
I requested expedited service of my fathers accounts ( close them and mail a check to me ) due to financial hardship related to my fathers estate. 
They have been telling me for 7 days that this was approved, then that it needed another level of approval, then that approval was pending, should be done, is done and is now back to pending. 
I have literally begged for help and can not get transferred to anyone that is not a front line customer service worker. 
I have been told XXXX ( XXXX ) times that someone will call me within 24 hours and that has yet to happen. 
They are holding close to a quarter of a XXXX dollars ( XXXX in saving and XXXX in CD ) of my fathers money and making me call and beg for the money. 
It is cruel and humiliating on top of being a constant reminder that my father is dead. 
Their failure to give me the money they owe me has caused my fathers insurance on his house to lapse, we are accruing interest on what we owe for his funeral and to top it off his dog needs major medical intervention that I can not find on 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 monetary relief
Consumer complaint received 2024-08-30 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: IN

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My debit card was used without my knowledge by companies under fake names that I could not find. I submitted a dispute claim through chase and it was declined. 
I have attached pictures onto this form that show the amounts and on what dates the money was taken. I have never been to XXXX yet somehow the charges appear to have been made in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I XXXX reported this I did not make theses changes there are XXXX accounts where both cards was used theses card again my identity was stolen. 

Account XXXX Recent XXXX  XXXX {$460.00} as of XXXX .... 
ance XX/XX/XXXX Date opened XXXX XX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
+ Dispute Account name XXXX XXXX XXXX XXXX Account XXXX Recent XXXX XXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I XXXX reported this I did not make theses changes there are XXXX accounts where both cards was used theses card again my identity was stolen. 

Account XXXX Recent XXXX XXXX {$460.00} as of XXXX .... 
ance XX/XX/XXXX Date opened XXXX XX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
+ Dispute Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I perversely reported this I did not make theses changes there are two accounts where both cards was used theses card again my identity was stolen. 

XXXX XXXX XXXX XXXX XXXX {$460.00} as of XXXXXXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Account charged off. 
{$560.00} written off. {$460.00} past due as of XX/XX/XXXX. 
+ Dispute Account name XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX XXXXXXXX {$10000.00} as of XXXX... 
ance XX/XX/XXXX Date opened XX/XX/XXXX XXXX Account charged off, {$10000.00} written off. 
{$10000.00} past due as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I had a credit card with Capital One bank that was closed by them which they had the right to do at any time. What I couldn't understand is how they could close my account but still pull money from my account. Shouldn't that autopay be deactivated once the credit card relationship was terminated? Instead they kept the autopay function on and pulled all the money from my account to pay off the balance. I was left with no money and since I couldn't use the card no credit. To add insult to injury instead of getting a letter that says my balance was XXXX I get a letter in the mail today XX/XX/XXXX that says I owe {$99.00}. When I did some investigating I found that they hit me with a finance charge for interest after the account was closed and balance was settled because they knew I wouldn't be paying attention and they could hit me with a of {$40.00} late fees. I could not imagine why they wouldn't just settle the account when they closed the account and pulled the balance. I was under the impression that the account was closed and there would be no further balance. Instead, they waited and charged me tons of interest on finance charges plus late fees. If they closed the account they knew I was under financial duress and chose to take advantage rather than offer any sort of solution. When I called I simply get told they are valid charges under their manipulating fine print terms and agreements that they know the majority of people won't read in its entirety or quite understand without consultation from a lawyer. What I am asking for is for Capital One to do the right thing and not charge me fees in excess of 200 % of what they fee I owe for a finance charge of {$14.00} that they could have easily have waived for me understanding they had already collected enough fees from me. I ask that you help me however you can and hopefully this sheds some light for those who struggle everyday with credit card providers. 

Best, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-30 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: AZ

Complaint narrative:
This account is reporting late as reported in my XXXX Credit bureaus. This account should not be showing the current status of 30 and 60 days late since its already been paid for. It seems impossible to accrue late on an account that has already been paid. Please report the payment status positive and update all late from reporting on this account. XXXX XXXXXXXX XXXX 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