vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Personal information incorrect
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I have not lived at this address in over 20 yrs. When my divorce started. I moved out in 2001. I live at a XXXX for the XXXX  and XXXX. I've lived here 12 yrs. They refuse to change my address to the current one. Even though they have called me on my cell phone which I've had with the same number for 12 or 13 yrs. They refuse to update my phone number as well. I signed the deed to the house over to my ex wife 20 yrs ago. The judge ordered her to get my name off the mortgage 20 yrs ago. I have all the court documents stating everything I've told you. In 20 yrs I've never received not one piece of mail concerning the house in question. I've asked them to mail me copies of anything pertaining to the house they refuse. What more can I do. I have one credit card I've never missed a payment or been late. This whole ordeal is XXXX me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NY

Complaint narrative:
I have asked the credit bureau to do a thural investigation to verify everything on my credit report and they did. It's stated that everything is accurate which that statement is wrong. I did my own investigating and found numerous inconsistencies on my credit report even after they did their 's. 

Account name : XXXX Account # XXXX In accordance with the Fair Credit reporting Act. 
XXXX  account # XXXX XXXXXXXX, has violated my rights, 15 U.S.C 1681 SECTION 602 A states I have a right to privacy 15 U.S.C 1681 SECTION 604 A states a consumer reporting agency can not publish an 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 2022-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
XX/XX/XXXX called Wakefield and Associates to close account with XXXX XXXX for XX/XX/XXXX bill that was originally {$2000.00}. XXXXXXXX XXXX account # XXXX XXXX not paid because original bill charges for XXXX XXXX fees and this XXXX  was never seen. 
On second visit returned to visit XXXX XXXX and never seen him but a bill was sent to me billed in his name. 

I agreed to pay a reasonable rate for reduced services {$500.00} or {$200.00} to close case and gave the customer service agent my Attorney name who originally handled case XXXX XXXX XXXX and she became belligerent and vulgar insisting on speaking abusive and said she speaks to attorneys the same. So I terminated call and attempted 3 times to call back and she hung the phone up x2 and lastly transferred me to a XXXX phone answering machine. 

I called back after 3 minutes and spoke with a customer agent who verified she was the account manager and I gave him my attorney who handled the case XXXX XXXX office number to verify my statement and concern with XXXX XXXXXXXX XXXX XXXX bill. 

Please help to resolve bad business practices from Wakefield and Associates. Also the XXXX has a portal of repeated bad practices from Wakefield and Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
Select Portfolio Services has my mortgage and sent a letter saying I'm in default which is a lie! I paid XXXX 's payment and owe XXXX which i will pay.THey harrass me daily with messages and calls every day! They have cursed me and threatened me verbally on phone calls! They have said they didn't recieve payments when I sent money orders and i called the tracking numbers and they did cash them, then hung up when I told them they were lying!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
RESPONSE TO : XXXX. Again I have no signed contract the The Phoenix Recovery group that is reporting false inaccurate information to all 3 credit bureau 's. Also note : I've sent proof this was removed from my credit report and it's now back on XXXX, XXXX and XXXX. This is a violation of consumer fair act laws and this must me removed immediately. I've sent proof of the deletion review once more also court document showing XXXX balance as of XX/XX/2022. Church and non-profit Organizations helped to cover rent, I gave notice and sent pictures of clean apartment, information this non-contractual has placed is false any false inaccurate must be deleted under the law I want this removed IMMEDIATELY. Again this was deleted, unlawful to report again once deleted. See attached along with apartment in mint condition. These people are falsifying statements

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
transunion has taken more than 30 days to Investigate my disputes i demand that they remove them as it has been more than 30 days i sent dispute back i XXXX almost 3 months ago the must remove the XXXX XXXX XXXX car loan and credit card disputes i have sent as it has been more that 30 days.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
please delete all the inaccurate hard inquires listed XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
Hello, Experian has refused to remove the inaccurate information on my report. by law under 15usc 1681. report agencies accurate and correct information and since Experian refuses to remove the incorrect accounts. this is a violation that XXXX per account which is listed below. You will notice that the same accounts report on all three bureaus and all have different account numbers. a direct violation. I have attached copies of my reports from Experian, XXXX, and XXXX. I asked that either the items be deleted immediately or pay the XXXX per account which is inaccurate. These actions by the reporting agencies have lowered my scores and prevented me from qualifying for a VA home loan. 
XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # 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 2022-09-01 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have submitted disputes to youand you have not responded in 30 days as you are required by law. 
Please investigate my disputes. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I paid frontier airlines for canceling flight protection and its been a year they have not pai me for my flight or cancellation protection

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 2022-09-01 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-01 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: WI

Complaint narrative:
transunion took off then reinserted items from my credit report did not give me any notice that they were reinserted or why never got any letters transunion has taken more than 30 days with my credit dispute and has not removed items that i dispute more than 30 days ago.they must remove them by law.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I got a email a few weeks back stating that my acct was approved. I assumed it was a scam so i ignored it well today i get a letter from bank of america staying that they closed the acct because they couldnt verify my identity. So i called thenm and they said yes a checking acct was opened on XX/XX/XXXX and that it was closed XX/XX/XXXX. They told me my ss # was used to open it and to call the ss office to get a lock on my acct well i did that and he said if he locks it even i cant use it and would have to go down to the ss office which i dont want to do and then they told me to contact you. Not sure what can be done but i dont need someone ooening stuff and using my ss #. I have excellent credit and dont want that affected by some lying 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 2022-09-01 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
equifax provided incorrect credit score to bank and i could not get loan or credit card very unhappy they gave wrong score to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UPGRADE, INC.
State: WA

Complaint narrative:
I have an Upgrade Rewards checking account which gives 1 % cash back on purchases made with the debit card. 

I made the following transactions on my debit card but was never given cashback in the subsequent statement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All 3 credit companies told me that they have validated the debt and the debt is valid. However, when I asked for the Method of Verification and who the representative spoke to I received a generic answer. I was victim of 2 data breaches I have not received any validation from Equifax, XXXX, XXXX they violated FCRA611. I requested that they don't use e-oscar for this and instead verify that they have the contract of my signature onsite for FCRA 609a1a. I challenge that because I never received substantial information such as an original signed consumer contract from none of them. During this time period I did some research and the Fair Credit Reporting Act mandates that all credit bureaus report ONLY valid information and accurate information. If the Credit Bureaus can not validate this debt to me with a contract then how can they confirm this debt is valid. I requested this information from all 3 agencies per FCRA and FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I tried to telling the credit bureaus this is an error and sent them a copy of my drivers notifying this is not me I been living at the address since XX/XX/2020 NATIONAL credit System Inc Is reporting the the retreat at XXXX XXXX I have never lived at that address...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2022 I received in the mail a statement from TD Bank in reference to " TD Convenience Checking '' on account activity and closing of account. The account summary of account balance of {$3200.00} which included two deposit of {$2800.00} ( IRS Deposit ) and beginning balance {$400.00}. Account was closed on XX/XX/2022 with zero balance. 

This account was never opened by underwriter - never did business with TD Bank. The Statement was the first notice I receive that an account was opened. I spoke to " XXXX '' from TD Bank Fraud Department - internal investigation will proceed with any information I can help upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I fell behind on my credit card and I received a notice about making a payment to unrestrict my credit card. I followed the prompts and even talked to someone on the phone on XX/XX/XXXX ( XXXX ). The payment was made using a savings account. I waited and waited for the funds to be drafted but they never did. I then received an email stating my payment was returned, but the funds were never removed. I called back to resubmit the payment and was advised that everything was fine. I have been looking forward to using my credit card and made another payment only to be told by XXXX ( XXXX ) that my account could not be unrestricted. I was lied to and deceived just to get a payment from me for a credit card I can no longer use. I requested my funds from my payment back and they said they couldn't do that either.

Company response to consumer: Closed with explanation