vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-14 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: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: ME

Complaint narrative:
When I bought my loan thru loanDepot, I was required to pay PMI even though I paid 20 % down payment. I was told after a year I could write a letter and it would be removed. My loan got bought out. XXXX XXXX states I am required to keep PMI. That its 20 % is of the loan, not purchase price of the home according to original note. They say I was misled by loan depot and happens all the time knowing that the mortgage will get sold within the first year! Thus, no accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
This is my third complaint filed with CFPB against the abusive mortgage practices of Nationstar d/b/a Mr. Cooper. For nearly five years after a layoff that required me to move across country, they have been mishandling a mortgage on my home in XXXX, refusing to timely process a deed-in-lieu, refusing to to respond to any short sale offers, refusing to foreclose, and refusing any form of load modification. 

We were finally able to sell the house. We obtained a payoff letter from Mr. Cooper on XX/XX/XXXX and Mr. Cooper was paid in full by cashier 's check by XXXX XXXX XXXX XXXX less than 48 hours later on XX/XX/XXXX. 

Mr. Cooper is new refusing to honor the payoff quote. Today, an agent of theirs in XXXX made numerous spurious and false claims about the payoff quote not including various costs like house repairs and attorney 's fees. These claims are false. 

After doing nothing with the property since our default began in XX/XX/XXXX, Mr. Cooper is now apparently attempting to make claims that it incurred additional fees in the 48 hours between the moment the payoff quote was generated on Wednesday XX/XX/XXXX and when the loan was paid in full on Friday XX/XX/XXXX. This is clearly a lie and is yet more evidence of an ongoing pattern of abuse against me as borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I received a call with person claiming to be a fraud rep from USAA & they said a wire transfer was being attempted to use my checking acct. They claimed to work with me on the phone to stop the wire transfer by authenticating/ conveying the 6 digit codes the USAA text thread that was sent. These codes I conveyed actually authorized the wire transfer to go through. I immediately contacted USAA wire dept the following am & they said they would try to recall the wire transfer. Now, my account was debited {$5000.00}, account frozen & am being placed on hold for cumulatively about XXXX hrs over the past several days. No one will talk with me or provide any information when I can get a rep / supervisor on the line.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to Equifax and XXXX XXXX regarding two accounts. I separately sent these four letters to each credit bureau on XX/XX/2022 regarding XXXX XXXX account XXXX and capital XXXX account XXXX. The accounts have been closed for more than 3 years and is still reporting a charged off status which keep restarting the period of 7 years. If they keep reporting the co status it will never fall off my credit. They responded by just sending my credit report nothing else. As stated by the FCRA accounts should fall off your credit within 7 years and at this rate it will never fall off due to repeated reporting. This is a violation and against my rights. I requested they either update or deleted they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/2022 initial request to transunion to verify and validate several accounts that are reporting inaccurate information. 

they responded with an updated consumer report on XX/XX/2022 only removing one of the listed inaccurate accounts. 

I responded XX/XX/2022 with a 2nd. letter requesting documents that were used to verify the accuracy and using the metro 2 requirements. 

I received a response today that only outlined the procedure used and did not contain anything that I requested nor did they remove anything from my report. 

I will be sending them a third letter today. 

See attached files

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 2022-04-14 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:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-14 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

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 2022-04-14 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21  times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's informed me that my ex and I have a joint account with their credit card services, however I never applied for this myself. My ex appears to have done so to guarantee his approval for the card, using me as a co-signee. Or perhaps he did it for his mistress, to humiliate me further and he gave her a card in my name. I never saw any Macy 's card. I live in XXXX California. I don't know the why this was done, but what I do know is that I did not authorize this, I had no knowledge of the account having my name added to it, I did not give my social, nor a photo of my driver 's license, nor signed any documents myself. So this entire account has been fraudulently added to my account and has been on there for almost 2 years without my knowing until I received a credit alert about one of my account 's having a negative status. I do not check my credit report unless I am alerted to potential issues, which I was. I tried time and time again to explain this to Macy 's who refuses to listen or acknowledge these circumstances. Whatever was done, was done without my explicit permission or involvement. My ex had access to any of the following ( and more ) : my driver 's license, my passport, my birth certificates, my social, my signatures, my personal credit cards, my bank account and routing/account numbers, etc. The list goes on. It is apparent to me what has happened. Macy 's needs to fix this egregious error.

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 2022-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MO

Complaint narrative:
My mother passed away XX/XX/XXXX. My manager collected donations and sent me {$55.00} to cashapp # XXXX on XX/XX/XXXX. That was an old cash app account that the telephone number on file I no longer have access to. 

Since XX/XX/XXXX I have verified all information cash app requests and still will not let me gain access to the account. The only thing they haven't asked me for was my ID, birth certificate, or social security card which I have offered many of times. They also refuse to reverse the payment back to my manager. They are stealing and is ridiculous I have to go this route

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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:
I have asked for validation of these inquiries and audit trail for them and they have failed to do so. 

please remove these errenous credit inquiries from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have asked for validation of these inquiries and audit trail for them and they have failed to do so. 

please remove these errenous credit inquiries from my credit report 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 2022-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
To start off. Before I applied I did call someone to go over the type of line of credit this was and the fees. However when using the product, It started adding up. I've always paid on time. I've called them recently that if it was possible to negotiate a settlement and close the account as account is too expensive for me. They said no and offered no other solutions. I then placed a review disclosing how expensive this debt is and stay clear of it. 

3 days ago or so, I receive an email stating they are changing the agreement they have with me or " amending '' a section. Stating they can cancel my account and take away my available credit if no activity within 30 days. 

I then called someone day later to confirm this and they did. I asked again if they can close this account out and settle the amount and they disagreed. I have been with them for a year. I ve made them a lot of money with little to no dent into my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to Equifax and XXXX XXXX regarding account # XXXX XXXX XXXX on XX/XX/2022. They are reporting a late payment on an closed account. According to the FCRA a collection is late by default and therefore can not report a late payment. They just responded with my credit report and did not update this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: GA

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, XXXX  and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: VA

Complaint narrative:
Debt was paid about a week or so ago to Hunter Warfield via their website. It is paid and the account is settled. I would like it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14 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:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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