vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
mr Cooper said they sent a in XXXX and XXXX letter rrequesting more documents to approve modification. Frustrated with the process of record keeping I applied through a government agency which had tougher guidelines and deadlines and required documents just like mr Cooper I was approved in XXXX during this mr Cooper also They also waited five more months to nickel and dime the government with more process to get more money then send me a bogus bill to pay XXXX by the XXXX I checked my taxes they barley changed I get why my insurance policy would be about XXXX a month the taxes about XXXX dollars so were is this extra taxes and fees coming from when everything has been paid and you XX/XX/2019 I came to you for help cause I couldn't afford it which was XXXX you KNOW I CANT AFFORD XXXX XXXX dollars more yet you take the money and act like you requesting when you knew I was approved cause I sent you correspondence letting you know how spotty your paper work keep is XX/XX/XXXX and all the while you purposely stalled and got more INTEREST!!! WHY DO I HAVE TO PAY ALMOST XXXX more THAT WASNT MY CONTRACT!!! if I needed to get cheaper I never got a call a email nothing .my insurance was never this high so Ill have to contact them but these other fees are Predatory and to not be given a explination Predatory..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TX

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a card with Capital one Bank I have been paying off for the past XXXX years. I have XXXX payments left and requested a settlement. I reached out to them and they refuse to allow me to settle after I explained XXXX dealing by with a hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NC

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. 

XXXX XXXX-Acct # 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 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 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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Synchrony Bank stopped sending me paper bills. I do not do online payments. Never have. I started not getting bills, once a new card was issued adding my husband. I started in XXXX getting emails, stating account was delinquent. Made numerous calls requesting a bill. In XXXX, I requested and finally go a paper bill... We paid the entire amount. Now, in XXXX, I get a notice stating we owe {$1200.00} I requested a paper bill yet again, on XX/XX/XXXX. They said they can not give full bills... Just the delinquent payment. I have requested that this account be closed, back in XX/XX/XXXX and have since destroyed the cards. I need to see if someone is using this card because it is not us. We were hacked back in the fall of XXXX and I want to make sure this is not part of that incident.

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 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
XX/XX/XXXX Consumer financial Protection Bureau This is regarding my mortgage with Selene Finance I logged into my account this morning and i see I have XXXX late fee due with my XX/XX/XXXX payment I called XXXX and they were unable to tell What this is XXXX 

I already payed a XXXX corporate fee with my XX/XX/XXXX payment ( explain to me for what and when was this corporate fee for?? I want proof that what you said Was done was actually done ) I already payed a XXXX NSF fee I was told my late fee that I received for making my XX/XX/XXXX payment was waived. 

They just keep on adding on fees with out an explanation and when you call them the CUSTOMER service rep says " they dont know '' XXXX please answer the following who is my investor?? 

And is my loan A government-backed loan?? 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NY

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 the 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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Someone o an account in my name BBY/CBNA I don't have an account with this company they open in XX/XX/2018

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 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received a letter in the mail from Citibank stating that I had applied for a credit card, which I did not. Further, I received an alert from XXXX that " CBNA '' had pulled my credit report, which I am assuming was due to the same fraud. This is obviously fraudulent and identity theft. I contacted XXXX and they require a report to remove the inquiry. I also contacted Citibank  and submitted the 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 2023-01-03 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act The list of accounts below have violated my federally consumer rights to privacy and confidentially under USC- 1681. 
XXXX, XXXX in the amount of XXXX. XXXX in the amount of XXXX this is not even my account long with the other accounts on this list. I've been trying to get these things off my credit report for a long time. I've even hired other companies to help me get these items deleted off my account. I'm XXXX almost XXXX and I've never been able to use my own credit because since i can remember someone lots of someone's have had their hands on my information. lots of people i don't even now in states I've never been in before I don't know how this happens and its sad it does. Sorry back to my list XXXX XXXX in the amount of XXXX. XXXX XXXX XXXX in the amount of XXXX XXXXXXXX XXXX XXXX IN THE AMOUNT OF XXXXXXXX XXXX XXXXXXXX XXXX XXXX IN THE AMOUNT OF XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Like I said i hired other companies like XXXX XXXX and the XXXXXXXX XXXX to help me remove these items and trust you me the process is way to slow I would like to buy a house and marry my sweetestlove. o yea one more XXXX This was a scam i took all the paperwork text messages everything i had into them. Please help me 15.6.S.C 1681 Section 602 States i have the right to privacy 15 USC SEC 604 A It's also stating a consumer reporting agency can not furnish an account without my written instruction.

15USC.1681c ( a ) ( 5 ) Section states No Consumer Reporting Agency may take any consumer report containing any of the following items of information any other adverse item of information other than renounce of conviction of crimes which antedates the report by more than 7years.

15USC .1681 2 ( A ) ( 1 ) A person shall not furnish any information relating to a to a consumer to any other consumer reporting agency if the person knows or has a reasonable cause to believe that the information is incorrect. or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently disputed this account with Transunion. Transunion claims that this account is validated but the response is violating the requirement set by 15 USC 1681i 3 ( C ) and 15 USC 1681i 4.

In the dispute I asked for 2 things : Transunion provides a copy of 1099 that send to me for the charge-off. A copy of the disclosure document that I signed allowing XXXX to furnish this item on my consumer report. 

XXXXXXXX XXXX XXXX XXXX XXXXXXXX Content of notice and Consideration of consumer information I am requesting the following : Copy of the disclosure document that the bank provided stating that I gave permission to disclose the information. Transunion and XXXX are violating my right to privacy. 
Documentation of the steps and process that Transunion used to validate this account. 
How the data that I provided was used in the validation process. 

If Transunion can not provide this information, that confirmed that Transunion acted unfairly validation of this account. 

All my most recent attempt to talk to Transunion have resulted in their associate hanging up on 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 non-monetary relief
Consumer complaint received 2023-01-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report and saw a very very very old account from XXXX XXXX XXXX as a charge off on my credit reports from XXXX AND EQUIFAX - XXXX did not!!! this account been closed and settle since 2016!!! i never ever received any legal communication, correspondences from them all these years! they greatly damaged my credit worthiness! 

there is no apparent evidence of agreement! I definitely never been informed nor understand why this is reported wrongfully on my credit! its insane to me that credit reporting agency who are supposed to protect our privacy and rights don't even check if the info is correct or verify anything and just put it on my credit! I sent letters to XXXX credit bureau via XXXX mail # XXXX, EQUIFAX XXXX mail # XXXX and to XXXX via XXXX mail # XXXX and also filed a CFPB complaint # XXXX to demand them to rectify immediately this fraudulent reporting and incorrect reporting. 

I need this fraudulent closed account and reporting to immediately be removed from my credit report!!! it is clearly a full violation of my consumer rights. 

thank you for your help with this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC
State: OK

Complaint narrative:
Dynamic Recovery Solutions keeps sending me a bill that I do not owe. I have contacted them and told them that I do NOT owe the bill, but I keep getting billls from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: MI

Complaint narrative:
In accordance with FCRA XXXX XXXX XXXX account number furnished, has violated my rights. 15 USC 1681 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15USC 166B : A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NC

Complaint narrative:
I have attempted to contact MOHELA by email, phone, through my account and have not received any response. I was on hold with customer service for over an hour and then they disconnected the call. Other calls only gave automated voice response, and after answering all prompts, I was told no one could help me. They have not updated my payments to reflect my PSLF payments. I recieved 2 letters from Dept of Ed in XXXX of 2022 that stated all of my loans met PSLF payments - still no updated info from MOHELA. With the pause on payments, but still those months still counting toward PSLF, I have MORE THAN 120 payments- why is MOHELA holding up my forgiveness?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: LA

Complaint narrative:
Recently I investigated my credit report in which I found inaccurate, unverifiable, and questionable items that your agency did not make sure it was 100 % correct. 
In accordance with the fair credit reporting act, everything on credit report must be 100 % accurate. Under 15 US code 1681e ( b ) and US code 1681 ( 5 ),, these accounts are in violation of not reporting 100 % accurate. 
These are the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-01-03 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 sent multiple letters regarding unauthorized inquiries and inaccurate account from my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2023-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple letters regarding unauthorized inquiries and inaccurate account from my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
This a follow-up on multiple complaints submitted on this company. I went through a successful 12 month repayment plan. I attempted to apply for a modification prior to the expiration of the repayment plan and was told to wait for the expiration of the 12 months. You will find this in my prior complaint results. I waiting until the repayment plan expiration, applied, and was immediately denied for any workout option without any explanation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Block, Inc.
State: TN

Complaint narrative:
I requested a replacement XXXX Card from the company XXXX around mid XXXX and paid approximately {$XXXX} for the replacement. I got notified it was shipped approximately XXXX  days ago, but I havent gotten the card yet. Upon checking with XXXX  support theyve informed me they deactivated my XXXX  card that I am yet to get in the mail, and said that I will no longer be eligible for a XXXX  card. 

Ive escalated the matter to management and made several requests to get the {$XXXX} I paid for the XXXX  card refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: MI

Complaint narrative:
Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

Notice of Dispute I.C. System, Inc. is a third party debt collector, and you are illegally attempting to collect an alleged debt in the amount of {$1500.00}. 

Pursuant to 15 USC 1692g ( b ) I am demanding I.C. System, Inc provide the name and address of the original creditor, and cease collection of this alleged debt. 

Pursuant to 15 USC 1692f ( 1 ) I am demanding I.C. System, Inc provide the authorized agreement between myself and I.C. System, Inc that created this alleged debt in the amount of {$1500.00}. 

Failure to provide any and all information is a violation of the FDCPA. Which will make I.C. Systems Inc civilly liable for any actual damages, and violations of the FDCPA pursuant to 15 USC 1692k. 

I.C. Systems, Inc has 1 day to respond to this CFPB complaint.

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