vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I RECENTLY GOT A EMAIL SAYING MY CREDIT SCORE WENT UP XXXX POINTS. I WENT ON MY 3 CREDIT AGENCIES AND FOUND OUT MY MORTGAGE HAD BEEN PAID OFF, SETTLED AND IT AFFECTED MY CREDIT SCORE IN A POSITIVE WAY. IF IT'S A TRANSFER OF THE OF THE MORTGAGE THEN WHY DID MY SCORE INCREASE TO XXXX, AND WHY DID IT SAY PAID OFF AND SATIFIED. SEE ATTACHED DOCUMENTS. 

MR.COOPER IS IN VIOLATION OF CFPB 1024.33 ( B ) ( 1 ) BY TRANSFERRING A MORTGAGE WITH IT'S OWN SUBSERVICER OR MERGING OR ACQUISITIONS OF SERVICERS AND SUBSERCICERS. I AGAIN, DON'T HAVE A CONTRACT WITH MR. COOPER AND HAVE NO POWER TO TRANSFER OR SELL MY MORTGAGE. 
THEY ARE NOW SAYING I OWE THEM MONEY WITHOUT A CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I created a credit app. I noticed fraudulent hard inquiries on my credit report that I did not make or authorize on XX/XX/year>. I was not working and in XXXX XXXX XXXX at the time and could not even afford a vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I made a Square account for the first time ever received my debit card in the mail activated my debit card verified my self added money to my account {$460.00} to be exact and set my pin after added the money onto my account I seen I got an email stating that my account was on hold They had to verify some information already been verified. They told me it would take XXXX hours so they had {$460.00} on hold about XXXX oclock yesterday afternoon. I got an email stating they had XXXX my account and they were putting my money on hold for XXXX  days, this is money that I took out of my checking account to put on this account and not XXXX time did I Use their services. They said that I had violated XXXX of their policies and I dont really understand how I could violate the policy whenever Ive not even used the couch yet but theyre telling me its gon na be XXXX days before they release my money out of my checking account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
I filed for bankruptcy in XXXX. I had a second mortgage with XXXX. This mortgage with XXXX was included in the bankruptcy. I spoke to a representative at XXXX about the bankruptcy, mortgage and payments. The representative informed me that I didn't need to make payments on the loan due to the bankruptcy. The payments on the loan would be collected whenever the house was sold. 

For XXXX years I did not receive any information from XXXX regarding a payment or foreclosure. Once Realtime resolutions took over the loan I'm now being told that I need to pay a large sum of money to keep my home that I have lived in for XXXX years. 

After XXXX years Realtime Resolutions purchased the loan and informed me that I needed to pay a large sum of {$24000.00} and $ XXXX. I told them that XXXX had not sent me any statements, requested payments and didn't request any payments on the loan. 
Realtime resolution threatened to foreclose on my home if I didn't make the payments. 
I am currently trying to save my home by making monthly payment of {$4200.00} to Realtime resolution. 

I dont understand why the terms of the loan changed after 9 years of SLS not requesting any payments nor sending me any statements. 

I'm also wondering how Realtime resolutions could change the agreement made by XXXX and threaten foreclosure on my home. My home is currently in pre-foreclosure and I'm constantly receiving calls from people wanting to purchase my home. 

After 9 years going by without any information from XXXX, I would think that Realtime resolution would show me some type of grace and consideration regarding the loan payments. I would think that Realtime resolutions would uphold the terms given to me by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of XXXX accounts that i do not recognize 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 Im also attaching a list of the hard inquiries from my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items.XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-26 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
The unknown credit inquiries that appeared on my credit report is very alarming and concerning. I did not applied to these and did not consented nor authorized these companies in pulling up my report, this is really stressful and making me 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 explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I constantly call into the Bank of America to get a date change on my account so that I will be able to pay my bill on time. 

They will not change the due date, but charge me late fees constantly. 

I need for bank of America to change my due date so that I will be able to pay my bill on time. 

Best,

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 monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
Signed a lease agreement with XXXX of XXXX which was assigned to SE Toyota finance company The lease agreement clearly had a purchase option for the lessee if they chose For decades this allowed the lessee to trade the vehicle at any dealer they chose to buy or lease another vehicle Recently SET began an anti trust anti consumer practice allowing only Toyota dealers to continue this practice shutting out competition There is no disclosure in the purchase option of the agreement Instead they cite a clause deep into the agreement under subleasing. in Florida In Florida their are substantial tax benefits to trading in the vehicle In my case it was a little over {$2300.00} This practice basically forced me to go back to a Toyota dealer I believe the disclosure in the lease agreement was completely inadequate Clearly this is an anti competitive practice

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I signed up for Experian 's paid credit monitoring service because recently someone tried to use my identity to open several credit card accounts. In Experian 's description of their paid services they advertise that you will have a dedicated service representative to speak with about cases of fraud and stolen identity but this is false. All the phone numbers that Experian provides send you to an automated loop with an unhelpful chat bot. There are multiple issues with my credit report and they can't be resolved online or with the automated chat bot. So this essentially is preventing me from resolving the issues on my credit report. To make matters worse Experian has been sending me dozens of confusing emails on a daily basis in regards to the disputes I filed. One email will say the dispute is open and another will say its closed or resolved. Then I go look at my report and nothing has changed. I have no idea what is going on with my report or disputes and absolutely no way to talk to a real person about it.

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 2024-07-26 00:00:00
Product: Credit reporting 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: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My account with ( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of a number of accounts that i do not recognize which are XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX Im also attaching a list of the hard inquiries XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX from my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I received an e-mail earlier this week seemingly from Bank of America that I had been denied for their XXXX XXXXXXXX XXXX XXXX card. I do not bank with Bank of America, nor did I ever apply for said card. I thought it might be a scam, so unfortunately I deleted the e-mail. Today ( XXXX ), I received a letter in the mail from XXXX XXXXXXXX XXXX stating that they couldn't approve my request for their XXXX XXXXXXXX XXXX XXXX card. 
I called the XXXX number and reported this, and they suggested I call Bank of America 's fraud line. When I call their fraud line, it's automated and I'm asked to enter my account number or other information that I don't have, as ( like I stated above ) I do not bank with Bank of America. I am concerned about my data having leaked and possible identity fraud/theft.

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 2024-07-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am a victim of identity theft and I did not authorize this account

Company response to consumer: Closed with explanation