vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a 30 year fixed mortgage serviced by Nationstar Mortgage LLC also known as Mr. Cooper. My regular monthly payment ( MP ) covers three items ; interest, principal and escrow. Mr. Cooper is supposed to deposit the money collected from the escrow portion of my monthly payment to pay for real estate taxes and hazard insurance premium associated with my mortgage loan. 

My property is an owner-occupied fourplex with 3 separate structures ; as a result, each of the structures has its own hazard insurance policy. I carry 3 distinct hazard insurance policies associated with the mortgage loan serviced by Mr. Cooper. 

On XX/XX/XXXX XXXX XXXX  Mr. Cooper was supposed to pay the annual premium owed to XXXX XXXX XXXX for all 3 hazard insurance policies related to my mortgage loan. Mr. Cooper paid the premium for two of the policies ; policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never paid by Mr. Cooper. 

As a result ; my policy was cancelled by XXXX XXXX. I became aware of the problem when Mr. Cooper sent me a letter DATED XX/XX/XXXX OF 2023 NOTIFYING ME THAT THIS IS THIS IS MY " SECOND AND FINAL NOTICE TO OBTAIN INSURANCE ... ... THE INSURANCE WE BUY ( MR. COOPER ) WILL COAST AN ESTIMATED {$5900.00} ANNUALLY ''. On XX/XX/XXXXXXXX XXXX XXXX I contacted my insurance agent ; my agent was unable to renew the same policy with XXXX for an annual premium of {$580.00}. Many of the preferred insurance companies are choosing to exit the California market ; my agent was able to provide me with insurance coverage with a different carrier at a higher annual premium of {$830.00}. The new insurance premium is costing me {$240.00} per year for many years to come. 

In addition, Mr. Cooper wants me to pay {$860.00} for the lapse in coverage from XX/XX/2023 ( the date Mr. Cooper failed to pay XXXX ) to XX/XX/2023 ( the date my insurance agent and I provided a new policy through a new carrier ). 

Mr. Cooper is very difficult to communicate with, navigating its toll free number is impossible. To reach its escrow or insurance department is a very challenging task.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. I AM WRITING TO REQUEST THAT YOU DELETE THE FOLLOWING FRAUDULENT INACCURATE INFORMATION FROM MY CREDIT REPORT. SOMEONE HAS USED MY PERSONAL INFORMATION TO OBTAIN LOANS AND CREDIT CARDS. I HAVE NO IDEA HOW THE THEFT TOOK PLACE. I ALSO HAVE NO KNOWLEDGE OF ANY SUSPECTS. I DID NOT RECEIVE ANY MONEY, GOODS, OR SERVICES AS A RESULT OF IDENTITY THEFT. PLEASE LET ME KNOW IF YOU NEED ANY OTHER INFORMATION FROM ME TO BLOCK THIS INFORMATION FROM MY CREDIT REPORT. THANK YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: SC

Complaint narrative:
There was a problem with my auto draft as my original source of payment was compromised. I attempted to make the correction but Klarna was not easy to work with or accepting. They sent me to XXXX XXXX, their collection wing. I made the entire remaining balance payment to Klarna on XX/XX/2023 in the amount of {$680.00}. The next day on XX/XX/2023 XXXX XXXX took {$680.00}. When I noticed both payments were processed, I called Klarna ( XXXX ) to ask for one of the payments to be refunded. They refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some personal information. I have no knowledge of this and All is being investigated by the FTC.

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 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I, XXXX XXXX, applied for a Chase Bank XXXX Edge Credit card around the month of XXXX, XXXX. This card comes with a 0 % APR on purchases and balance transfers for a promotional period. I got the card because of this advertisement and also because of this attached link ( https : //www.chase.comXXXX XXXX  which states that a balance transfer can be used for, " Pay for unexpected expenses or get cash. If you've received balance transfer checks, you can use them to pay for things you need or to get cash. If eligible, you can also sign in to Chase.com or call the number on the back of your card to transfer funds into a qualifying checking account. Successful payment history must be established for checking accounts you wish to use for transfers. '' However, when I called Chase Bank to make a balance transfer to my checking account I was notified that I can not do that until I have made 6 monthly payments. They have not been able to provide anything in writing that says this. They mislead me, negatively affected my credit, because they falsely advertised how their card can be used. I have my card member agreement and all other documents that were sent to me as of XX/XX/2023, and there is nothing in the card member agreement or other documents that state that I must wait for 6 monthly payments to go through to use this advertised benefit. 

Chase has not been helpful in this situation and send me in a " circle '' of department to department without being able to provide anything in writing about this policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
Upon checking my credit report i see that your company put this collection on my account after i asked for the debt to go back to the original creditor and after your company said that you guys was no longer handling this account. Now i am asking for compensation from your company do to your mistake. I am asking for your company to permanently removed this collection from my credit report. the original creditor agreed with me that this was a fraudulent account in my name do to identity theft. I was hoping that your company would keep your word by not putting it on my credit and yet your company did exactly that. I was also told by a representee of your company saying that you guys did not respond to my complaint and that the debt was gone be place on my credit report. I don't want this on my credit report i want the whole account removed from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Subject : Complaint against Sequium Asset Solutions- Violation of Consumer Rights Dear Sir/Madam, I am writing to file a formal complaint against Sequium Asset Solutions , a debt collector, for their violation of my protected consumer rights under the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/2023, I noticed an unauthorized collection entry on my consumer credit report from Sequium Asset Solutions. To my dismay, I have not received any prior notice or correspondence from Sequium Asset Solutions regarding an alleged debt. This lack of communication deprived me of the opportunity to dispute the debt within the given time frame, as required by the FDCPA. 

The FDCPA explicitly mandates that debt collectors must send consumers a written validation notice within five days of their initial communication, detailing the amount owed and the creditor 's identity. However, I have received no such communication from Sequium Asset Solutions.

I firmly believe that Sequium Asset Solutions has failed to adhere to the guidelines set forth by the FDCPA, which are in place to protect consumers from unfair debt collection practices. This not only constitutes a breach of my rights but has also caused undue stress and XXXX  due to the unjustified entry on my credit report. 

In light of these violations, I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate actions against Sequium Asset Solutions. I seek redress for the damages caused, and I hope that your intervention will result in a prompt resolution to this issue. 

I eagerly anticipate your response and appreciate your attention to this matter. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
My client made a wire transfer from XXXX to my savings account in Marcus Goldman Sachs IMAD number XXXX for amount of {$190000.00}. 

XXXX confirmed that the funds were delivered to Goldman Sachs, but the funds were never credited to my account and Goldman Sachs is telling the are unable to trance the funds with the IMAD number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been disputing the two accounts on my report from Experian and the reporting of validation or updates have not occured. Which is a violation to Federal Law 15 U.S.C. 1681 s-2 and 15 U.S.C. 1681 I advised Experian as well that they are reporting my DOB inaccurate and my information nor the accounts have not been updated but they are saying the accounts have been updated and are reporting accurately which is FALSE. 

The reporting of innacurate and incomplete information is a violation of the FCRA. 

I am requesting update to my DOB and a complete reinvestigation and method of verfication for the accounts. 

XXXX  Account # : XXXX / XXXX  XXXX Account # : XXXX XXXX XXXX XXXX under Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX - Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX - Certified Mail Receipt The reporting of this inaccurate and incomplete information is effecting my daily mode of living, credit standing, credit capacity, character, and general reputation.

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 2023-08-02 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: Chime Financial Inc
State: LA

Complaint narrative:
I had an issue with my bank card and canceled it. I realized that I had a deposit coming in and wanted to call Chime and asked make sure that it was not gon na affect my deposit coming in so I looked on XXXX and found Chime customer support and called the number that was advertised on XXXX. The gentleman that answered the phone actually said job support and how can I help you and went through the process of asking questions that was very legitimate sounding stuff to walk me through the steps to make sure that I was who I said I was made me believe everything was legitimate and that I was in good hands with the support team. as the conversation went on he had me download an app on my phone so he can mirror my phone which Im the XXXX fool yes but Ive reported this to my real Chime bank and explain to them the situation they filed a dispute but they denied the dispute and they didnt give me a reason why they just said they were not the first they said they were going to cover the money that I would get reimbursed for it that I was covered because it was an authorized transfer and then I guess they decided that they werent going to take care of it and I feel like Ive been done wrong but I feel like they should cover it because I did not authorize this money to be transferred into someone elses account its {$540.00} that I didnt have to send somebody to rip me offAnd theyre advertising on XXXX which is supposed to be from what I understand a safe site to go to define what information I need to search the web and do what I need to do I feel like something needs to be done to ensure that people are not getting scammed by these people and I feel like Ive been let down

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received a letter from The Home Depot Citibank card services that there was possible fraud activity on XX/XX/XXXX. I called XX/XX/XXXX to update information and get a new card. There had been charge attempts, but they declined per the representative. My spending limit had also been increased from XXXX to XXXX, which I never authorized. My online account had seemed to be hacked so I changed my password, updated security questions, and added email and text notifications. In the middle of all this I realize that when adding my husband onto the account as an authorized user years prior they actually removed my name and replaced it with his. Meaning the account was his name and my DOB and SS causing even more confusion on who they would speak to regarding the account. Two weeks later, XX/XX/XXXX or XXXX, I logged into online account to find an estimated {$3000.00} charged to the account. I called CitiBank again and was informed that the card was never closed or reissued. They then closed the card, reported the charges as fraud, and issued a new card. Still having to deal with his name and my ss and dob. New cards were received and locked in safe. XX/XX/XXXX, I receive an email that my online account had activity again, so we called Citibank and requested that the credit account and the online account be permanently closed. The representative tried to convince me to keep the account and they would send me yet another new card and I refused. I will follow up in a week with them to confirm the 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 non-monetary relief
Consumer complaint received 2023-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-02 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: PA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-08-02 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: PA

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: LEXISNEXIS
State: MO

Complaint narrative:
I disputed the bankruptcy record with Lexis Nexis and they sent a letter stating that it has been removed from my credit profile. When checking my report it is still showing under Lexis Nexis. I have a confirmation Letter and Case # confirming it was removed and would like them to follow through with the removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02 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: GA

Complaint narrative:
Incorrect names please delete : XXXX XXXX XXXX, XXXX, XXXX, I'll never live in the following addresses it is incorrect please deleteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX, OH XXXX XXXX OLD XXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, XXXX. I'll never work with the following Employer Please delete : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX  Delete all the unauthorized hard inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete the following collection I'm a VICTIM of Identity theft I file the report : XXXX XXXX XX/XX/XXXX {$2700.00} XXXX XXXXXXXX {$0.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$0.00}

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 non-monetary relief