vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act -Child Support XXXX. XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : States a Consumer Reporting Agency can not furnish 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 2022-08-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: MoneyLion Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX I logged into my XXXX XXXX account. The day before I had {$310.00} in my account. When I checked my account on the XXXX I had a XXXX balance when I checked my transactions MoneyLion had debited my account for the entire amount that i had in my account. My due date is always on Fridays. I contacted them and the customer service Rep told me that my due date was showing the XXXX. I explained to her that they have never debited my account on a Wednesday. She told me unfortunately there was nothing they could do. I explained to her that I needed the money so I could pay my utility bill. she kept stating that there was nothing they could do to reverse the payment. I asked to speak to a supervisor and when the supervisor came on she stated that my bank showed that I was doing XXXX and XXXX and that is why they debited my account early. I asked her how are you all going to just change my due date without speaking to me and that i had not did a XXXX or XXXX in over a week because my vehicle is in the shop.I also asked why are they looking into my account like that, that is my personal business. I told her you all have put me in a bind and that they did not even get the full amount owed to them so they should have just waited to the due date. I told her since you all don't care to make their mistake right. That I will just mail the remaining balance to them because they were wrong for doing me like this and have always paid them.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX Equifax did not fix error of the status of XXXX XXXX XXXX  on credit report as it is incorrectly listed as Charge Off. This account was paid prior to collections, and is not a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
We have made the following monthly mortgage payments which have been processed through our bank account ( we have copies of our bank statements ) : XX/XX/XXXX - to XXXX XXXX ( prior servicing company ) for {$910.00} XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00} ( Note : XXXX XXXX sent the XX/XX/XXXX payment to Nationstar dba Mr. Cooper so Nationstar received XXXX payments in XXXX. We requested a refund of one of those payments via secure message to them ). 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
XX/XX/XXXX - Nationstar dba Mr. Cooper for {$910.00}. 
Total monthly payments made since XX/XX/XXXX : 5 payments. 

On XX/XX/XXXX, Mr. Cooper sent a letter indicating that they had sent Check # XXXX payable to XXXX XXXX XXXX for {$910.00}. The letter also mentioned that they sent a reissue check ( Check # XXXX ) on XX/XX/XXXX which they stopped payment on. We subsequently received the first check ( Check # XXXX ) and proceeded to deposit it in the bank account. This was the refund of the XXXX payments for XXXX. After we deposited the check, Mr. Cooper did a chargeback for {$910.00}, never notifying us that this check was not a good check. 

We have called numerous times, spoken with several different members of their executive resolution team and their explanation remains confusing because their processing shows a series of reversals and unapplied funds ( only on their books ) because we have not received any credit on our bank account for the {$910.00} still missing. Bottom line, there should have been 4 payments from XXXX to XXXX and we made 5, so one is supposed to be refunded back to us immediately. We've been dealing with this issue since XXXX and frankly after 25 calls and messages, I need help in getting our money back for the double payment we made in XXXX. They lie, try to confuse the consumer with all of their accounting jargon and WE NEED HELP GETTING OUR MONEY BACK!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/XXXX, I had made a payment on my Chase credit card account. Due to XXXX and a job XXXXXXXX XXXX, I was unable to make a payment in XX/XX/XXXX, and went ahead and ensured COVID-19 payment assistance was applied to my account. By adding the payment assistance, it made my minimum payment {$0.00} so I did not pay for XXXX. I resumed payments in XX/XX/XXXX after the assistance expired. 

I have contacted Chase numerous times because my account was reported as late to the credit bureaus. My account payment for XX/XX/XXXX should have been {$0.00}, and I was affected by a natural disaster and delinquency was still reported. 

I have been in contact with Chase since XX/XX/XXXX and the issue has not been resolved. I have attempted to dispute the item on my credit report and that has not been resolved either, because Chase reports it as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft, I have filed police reports, wrote letters, sent in proof, called all 3 bureaus multiple times, probably close to hundreds of times now. I am a person, I am natural human, a citizen who works hard and pays my bills. I am embarrassed and ashamed by not being able to have credit and live the life I am accustomed too. I did not make these charges, I did not open these accounts, yet I am treated like a criminal instead of a victim. I filed the police report, I sent in copies of everything asked from me on MULTIPLE occasions. 
I am demanding these accounts be removed from my credit report by all 3 bureau '' s and I am demanding that inquiries be removed!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Between XX/XX/XXXX- XX/XX/XXXX, I submitted and modification packet on a second mortgage with all the requirements and whomever was working the case would repeatedly ask for documents already submitted. I was initially trusting the process until I had to renew/reestablish my online account to understand why I wasnt getting movement on the case the situation continued back and forth until XXXX when they finally claimed to not be able to grant a modification. 

Unfortunately, I experienced the worst of mortgage companies during the Great Recession. I believe in many ways we are back to that because properties in XXXX XXXX have sky rocketed. In XXXX, I was just starting to climb out out the after effects of the Great Recession, when between XX/XX/XXXX - XX/XX/XXXX, I had tenant turnover and had to address a lot of deferred maintenance of the previous decade. Then, when I was getting over that - the COVID-19 Pandemic hit. Ive barely been able to keep up with primary, in fact I am behind and currently screening applicants.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
My existing home loan was aquired by Mr. Cooper, without my knowledge, which i understand happens all the time. That is not the issue. The issue started a few months later when i get a letter from them with the new amount. They increased my monthly payment by nearly {$200.00}, stating it was due to an escrow shortage, which can't be because it was always paid on time, set up on auto payments. 
XX/XX/XXXX i call them and chat with them ( 2 different agents ). I ask to opt out of the escrow account, as i wish to pay it myself once a year, and not have to deal with surprise charges each month. They initially said i can not, which on my original contract with the previous loan originator, said that i could if i wished to. Then they tried to tell me that if i can not afford the new payment, i need to refinance. i have 14 years left on a 2.5 APR. I DO NOT want to be forced into refinancing, for 30 years at a much higher interest rate.Anyway, after a couple long calls that day, they said im all set and it should reflect on my account soo. LIES! 
A month later i open up the chat with them again, only to be told that there are no records of me calling or requesting to be opted out of the escrow. MORE LIES! I have downloaded the chat transcript, how can there be no records of it when i have the chat from XX/XX/XXXX? 
Yesterday, XX/XX/2022, i try to contact them through chat again. They said the process has not started and that is set to start on the XXXX, of XXXX, BUT ... ..it will take up to 30 business days to go into effect. Say What??? never heard of 30 business days. I ask her, are you sure? that's like 6 weeks. She said yes. I then asked her to show me their policies and procedures, or whatever they use for guidance ... .she then apologized, saying that she meant 30 regular days ... lies again! 
All i am trying to do is take care of my taxes and insurance on my own, i can not afford to pay XXXX extra a month on bogus charges honestly, and they are making it impossible. Why are they still in business with all these complaints?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX, has violated my rights. 

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.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX and XXXX XXXX Account # XXXX, has violated my rights. 

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 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: MD

Complaint narrative:
Please see attached FTC REPORT to remove all unauthorized inquires on my credit report. 

I have called Equifax, XXXX and XXXX for removal several times and they have refused to honor my right to an accurate, fair and equitable consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
There are two accounts on my credit report I did not open. XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX. Also, there are 3 accounts that are passed the statutes of limitations since the account was originally first reported on my report. These accounts have been well passed 7 years of reporting on my report. 

These accounts should have already been removed or deleted from my credit profile. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. All 3 accounts should be removed immediately. These hard inquiries I did not make, nor did I authorize for 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  I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent. 

My credit report also has in accurate reporting. All information reported should match up on all 3 bureaus the exact same way. A lot of the dates are different on each bureau, the amounts of balance owed is completely different on all XXXX bureaus. 
There are many errors throughout my credit report. Please check for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are two accounts on my credit report I did not open. XXXX XXXX XXXX account # XXXX, and XXXX XXXX Collections account # XXXX. Also, there are 3 accounts that are passed the statutes of limitations since the account was originally first reported on my report. These accounts have been well passed 7 years of reporting on my report. 

These accounts should have already been removed or deleted from my credit profile. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX. All 3 accounts should be removed immediately. These hard inquiries I did not make, nor did I authorize for 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 I did further research to see how these accounts was reported on my credit report without me opening these accounts. Based off Fair Credit Act all credit bureaus must be accurate with reporting to all 3 bureaus. In Accordance Fair Credit Act these companies listed has violated my rights. 15 U.S.C. 1581 Section 602 A states I have a right to privacy.

15 U.S.C 1681 604 A Section states. It also states that a Consumer Agency can not furnish an account without my written consent.

My credit report also has in accurate reporting. All information reported should match up on all XXXX bureaus the exact same way. A lot of the dates are different on each bureau, the amounts of balance owed is completely different on all 3 bureaus. 
There are many errors throughout my credit report. Please check for accuracy.

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 2022-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Regional Management Corporation
State: TX

Complaint narrative:
Regional Finance has been trying to collect a debt in the amount of XXXX. From XXXX that I never owned. I have answered the calls to let them know I never accepted their loan and they said they would send me paperwork to get a complaint filed and they never did. In addition to that, this loan was accepted while I was out of the country so it is impossible for it to have been accepted by me. Speaking with them it seems that the loans are made in the form of checks mailed then you just go cash them. The collection is affecting my credit and the calls are getting out of hand. No longer know what to do to get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have sent numerous documents to XXXX, XXXX, and Transunion and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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 2022-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have sent numerous documents to XXXX, Experian, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

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