vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
While many companies help people during this pandemic, this lender ( Mr Cooper ) over charges people. I did refinance/closing on XX/XX/XXXX and then called Mr Cooper on the same day and talked to an agent and cancelled my auto-payment on XX/XX/XXXX since the agent told me that Mr Cooper won't charge me for late fee ( he said system automatically refund {$200.00} after auto-charge {$200.00} as late fee ). Also, the agent has left a note on my account that I would pay off on XX/XX/XXXX. In addition, the voice call on XX/XX/XXXX has been recorded by Mr Cooper. 

After paying off on XX/XX/XXXX, Mr Cooper has charged me {$200.00} as late fee. I contacted Mr Cooper several times and talked to some agents and a manger and even sent an email to their research team, but they have not addressed the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I was charged a disposition fee of {$390.00} after turning in my lease early to the same dealership I purchased the lease from. The dealer did not inform me of the disposition fee - but the part that's unusual is that it's from the lease company - Ally Bank. A disposition fee is defined as a fee charged to the person leasing the vehicle at the end of their lease to prepare the returned lease for the next buyer, but this fee is assessed by the bank and the dealer has nothing to do with this. I was originally told by several members at the dealership and at Ally auto that because I purchased a new vehicle from the same dealership - that I would not be responsible for this fee. They then said that it had to be purchased and financed with Ally auto to waive this fee. This is predatory and not acceptable behavior. 

I also tried to ask about this several times with the dealer and the bank. The bank keeps telling me they will have a supervisor reach out ( 3rd time now ) and I have yet to hear back. The dealer keeps saying I have to work with the bank. It has been a month and I can not get a clear answer.

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 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX showing XXXX XXXX XXXX XXXX in collections and stil la balance

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 2021-09-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
There was transactions reported by me on XX/XX/2021. Paypal flagged my account as i dispute the charges. I kept telling pay pal that it seems to be illegal charges being made on my account. Paypal denied the charges and i reopened the dispute and told the financial institution. I disputed it right away. Paypal denied it right away again. Told me to take it up with the bank. I told them it never came out how is it I'm seeing it in my Paypal? They were very rude and threatened that if I didnt pay this account my credit would be ruined and the relationship with synchrony would be severed. Paypal let another transaction go through while there was open disputes. Then paypal let another transaction go through even though it was flagged it. The bank said it was fraud for the other 2 payments and said NO. I called and let paypal know it was not to go through because it was unauthorized. Paypal let it go through anyway DESPITE the DISPUTE that was in progress. Why? I asked them why would they let it go through if there was open transactions that were actively in dispute Paypal had the opportunity to STOP that payment. The errors were never fixed and Paypal continued to limit my account, which caused them to fraudently charge my account interest and late fees. They have damaged my credit. How can I efficiently make a payment if the site does not work. They limited my account due to identity, but wont remove the charges or interest fees. An unauthorized payment was paid by paypaland they need to do a charge back from the other party. He has their money. They have flags on my account NOW which should have been there from this scam they pulled and it would. The bank told them it was fraudulent. Why didn't paypal take the appropriate action to cancel the payment? Especially since I nor the bank authorized it. It should have been flagged as unauthorized unfunded or nonpayment. I now have a balance of {$2300.00} on my paypal account because the site is a scam and wont allow me to make a payment. I have to call by phone which they always state long hold times. I have asked them to validate this debt on multiple occasions. Paypal has shown abusive and deceptive debt collection practices, according to 15 USC 1692 this is a direct violation of my rights.

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 2021-09-10 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: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Bull City Financial Solutions started billing me for my deceased spouse debt a year after he died. These bills were solely in his name before he died. He passed away XX/XX/XXXX. I never signed to be administrator of his estate and my husband had no assets, so there was not a probate estate. I live in North Carolina, which is not a community property state. This credit reporting agency improperly reported my deceased spouse debt under my name to XXXX on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: OH

Complaint narrative:
Account # : XXXX Open Date : XX/XX/XXXX TransUnion claimed was verified by Original Furnisher : US BKPT CT OH XXXX. My Method Of Verification request was received by TransUnion on XX/XX/XXXX XXXX ( proof of service attached ). TransUnion had 30 days to respond to the request per FCRA. As of today XX/XX/XXXX I have yet to receive a response to my request in violation of my rights under FCRA.

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 2021-09-10 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: NJ

Complaint narrative:
I reported my pocketbook stolen I lost it the year the bank account was opened and has no clue until my other accounts were closed. I had a police report that I can not find

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 2021-09-10 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: CA

Complaint narrative:
OnXX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have know knowledge of this account and i did not authorize the reporting of this account onto my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I have a phone line account with XXXX I pay for every month opened in XXXX. But a collection was filed against me from XXXX. I tried to buy a cell phone from them in XXXX but the order was cancelled. If this has anything to do with that order its false because I never received that phone and the phone was never activated. So this collection is inaccurate I never opened a phone line In XXXX. And the collector isnt under XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: SinglePoint GI
State: UT

Complaint narrative:
Just received my XXXX dispute report number XXXX. General Revenue needs to provide how they verified to XXXX this account that was due to fraud and identity theft, if you never retrieved the XXXX police reports even though the police report numbers were given to you all yet you failed to request the documents from the local police department. How can you legally verify a debt to XXXX and XXXX XXXX as 100 % verified and accurate without retrieving the police report documents? Instead reporting back to the credit bureaus this debt is 100 % complete and accurate? You have failed to do a 100 % complete and accurate investigation and reported this debt anyways. I am seeking damages for these violations and gathering up all necessary documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
For 2 weeks now, I notice my credit score dropped 26 points with Equifax. I have no late payments with 100 % on time, no judgements, 11 % or credit utilization on revolving accounts, no derogatory marks, and no hard inquiries. No significant changes for a drop of 26 points. The only change that was indicated was a balance decrease on all accounts including XXXX XXXX XXXX XXXX XXXX, Mortgage with XXXX XXXX etc. All of these accounts have decrease in balances and should have increased my credit score. I contacted Equifax to inquire why. The agent told me that I had credit cards that I was not using and I needed to utilize at least 30 % of the cards to keep my credit score at XXXX 's or above. I told her that did not make since. If that's the case, why not inform consumers that using each card is the correct way to increase your score. I need help to rectify this matter because Equifax is not being honest with proper reasons to why consumers credit scores can change. I should not be using 30 % of credit cards at all, and no one should be telling consumers that you need to uses your credit cards to increase your score. My score has been between XXXX and XXXX for almost 3 years now and all of a sudden it has dropped significantly to XXXX without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I've been repeatedly disputing this account with Experian and XXXX, and I do not believe they have conducted a proper investigation into this account. I have also disputed this account directly with the collection company as well. It is my understanding that the FCRA states that an account that is in dispute can not be reported. It is also my understanding that the credit bureaus have 35 days to conduct a reasonable investigation, and I have waited that time period out several times, without anymore than a verification of the account. They have never told me how they verified it, why they did, or any of the information that they collected during their investigations. I am entitled to information. I am entitled to a reasonable investigation. I am entitled to these things within a timely manner! Please help me!

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 2021-09-10 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:
I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.

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 2021-09-10 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:
I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a complaint against Equifax who currently has INACCURATE, FALSE, UNDULY, UNLAWFUL and UNFAIR information on my credit report from XXXX XXXX XXXX 


COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 Equifax responded that it will use the same false unlawful information from the same furnisher instead of looking at my bank statements and looking at my credit report, SEEING THAT XXXX FURNISHES UNDULY UNLAWFUL INFORMATION ON MY ACCOUNT, and then properly deleting XXXX from my credit file in accordance with CFRA. 

Equifax has NEVER done what they are OBLIGATED to do and REMOVE XXXX FROM MY CREDIT FILE due to XXXX reporting inaccurate, false, unduly, unlawful, and unfair DAMAGING information on my credit file. 

Instead of looking at ALL the proof I sent and deleting XXXX  unlawful reporting, Equifax tells me it will obtain the same false information from the same furnisher. 

This behavior is ILLEGAL. 

Equifax has REPEATEDLY dismissed my disputes about XXXX SAVINGS BANK stating REPEATEDLY exactly what they just stated in their response HERE. They take WRONG UNLAWFUL INFORMATION from the same furnisher and they keep it on my account VIOLATING MY FCRA RIGHTS. 

The inaccurate, false, unduly, unlawful XXXX reporting must IMMEDIATELY be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: Premier Auto Sales, Inc.
State: NJ

Complaint narrative:
I have know knowledge of this account and i did not authorize the reporting of this account onto my reports.

Company response to consumer: Untimely response
Consumer complaint received 2021-09-10 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: CORELOGIC INC
State: NJ

Complaint narrative:
I have know knowledge of this account and i did not authorize the reporting of this account onto 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 2021-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL

Complaint narrative:
I tried to contact Gulf Coast Collection in regards to a fraudulent account reporting on my credit. I went to my local law enforcement agency and the officer who I spoke to essentially advised me to contact the furnisher for additional information in which they have not provided my intentions is to follow the steps provided by the FTC but how can I do that if a company refuses to assist in my case? I would like for you to review the attached for letters sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS FRAUDULENT. 
WELLS FARGO AND XXXX WILL NOT REMOVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. 

XX/XX/2016 WELLS FARGO BANK XXXX {$300.00}

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
Consumer complaint received 2021-09-10 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: FL

Complaint narrative:
I contacted the credit bureau 's on XX/XX/2021 and XX/XX/2021 in regards to some accounts either placed on my account in error or as a result of identity theft it is XX/XX/2021 and the accounts continue to report on my credit report. I went to the police department and advised that I may be a victim of identity theft but the officer stated that I should write the creditor and request additional information in regards to the account however I have not received any response from the credit bureau or the the furnishers. I submitted an identity theft affidavit, identification, and proof of address with no response and the bureau 's have failed to respond so I sent a follow up letter on XX/XX/2021 in which I still haven't received a response. I have since spoken to an attorney who states if I hire them they feel confident that they can obtain the deletion and compensation for damages.

Company response to consumer: Closed with explanation