vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Hello, We refinanced 3 years ago for a lower interest rate through XXXX XXXX. Never have we been late on our mortgage. We have always had our own homeowners policy. Last year we were canceled through XXXX. 
The lender at the time asked for proof of insurance which I had sent. Our mortgage has been an auto pay of {$1400.00}. In XXXX I noticed a larger amount taken out of our account, an extra {$250.00}. Since then I've stopped auto pay and pay on my own. I called the lender at the time and they mentioned that they opened an escrow account for a homeowners policy. I went round and round with them stating that we have our own policy, they said they would see that it was removed, it never happened. 
As of XX/XX/XXXX our mortgage was sold to Mr Cooper, now they have been calling me daily and sending notices that I'm delinquent with my mortgage. Im paying my monthly mortgage of {$1400.00} just not the extra {$250.00} escrow account for HO insurance. Now they're saying my home could go into foreclosure? How can the mortgage company get away with this?? This is not ethical. I've never signed anything regarding this policy that they've attached. Not sure what to do from here. Im asking for your assistance or insight? 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
I received a signature loan from XXXX XXXX in XXXX and lost my job shortly afterwards. I told them my income had decreased and my monthly payments had increased such as rent and utilities. They closed the account after harassing me daily for 3 months to get me to pay with money I didn't have. Since closing the account and reporting to credit reporting agencies that it is closed and in collections they continue to increase the balance and negatively report the account to the reporting agencies to manipulate my score lower each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. 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 non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I understand how important it is to make timely payments. However, I missed my payment because XXXX. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment. 
As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/year> ]. Please consider my track record as proof that I take my financial obligations seriously.

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 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-08-08 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Accounting and Credit Reporting Department To Whom It May Concern This letter is to inform you that upon viewing my credit report, I noticed different companies were listed as a derogatory mark of collections. I do not remember ever making an agreement or a business relationship with these companies ; they are all inaccurate. As of today, I have no memory of receiving a dunning letter from anyone asking if I wanted to dispute the debt in the account. Please accept this letter as my formal dispute of these accounts. I am also requesting that you provide proof that I owe this debt, Purchase ag

reement with my signature. Under the Law 168e compliance and procedures I want to ensure all the information on my credit report is 100 percent accurate
in accordance with consumer law. I investigate and delete any information that is reported or not and is not 100 percent accurate. 
Account Name : XXXX  # XXXX XXXX  # XXXX  XXXX/ # XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  # XXXX XXXX/XXXX  # XXXX I am hereby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you not contact me nor anyone else except the original creditor about this collection. 
In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account is valid. 
Also, I will need you to famish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that they are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process ( debt buyer, 3 party, etc ). Proof that the original creditor authorized you to collect on the debt on their behalf. The original creditor 's name. Details on when the account first went into a delinquent status since that is the date required as OPEN DATE on the collection account. ( Etc etc. Be reasonable in the request ) Please do not contact me until you have collected and sent this information to me by the address on this letter. You do not have authority to provide this address to the credit bureaus as an updated address for the account. If you provide these within a reasonable amount of time. then you may contact me on the phone number ( XXXX ) between the hours of XXXX XXXX Mon-Tue.Please note that any calls outside of these hours to discuss these matters are a direct violation of my rights. Sincerely XXXX XXXX  XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I understand how important it is to make timely payments. However, I missed my payment because COVID-19. But Im confident this wont happen again. As you can see from my account history, I have a long record of on-time payments before and since the late payment. 
As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on [ XX/XX/2020 ]. Please consider my track record as proof that I take my financial obligations seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: IL

Complaint narrative:
Commencing on or about XX/XX/year>, I fell victim to a multi-layered scam operation run by XXXX ( the Company ), which involved me making deposits for a total amount of XXXXXXXX XXXX and XXXX XXXX from my Crypto.com account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX, who is acting as a debt collector on behalf of Discover Bank. I am experiencing significant financial hardship due to my XXXX XXXXXXXX and am XXXX XXXX XXXX XXXX XXXX from the Employment Development Department ( EDD ). 

On XX/XX/year>, I contacted XXXX XXXX XXXX XXXX to discuss a potential settlement for my debt with Discover Bank. Following their instructions, on XX/XX/year>, I sent an email detailing my situation and providing documentation of XXXX XXXXXXXX and XXXX XXXX. Despite my numerous follow-up attempts, including multiple voice messages, XXXX XXXX XXXX XXXX has not provided a clear response. 

In my email, I explained that I am currently XXXX and facing severe financial difficulties due to XXXX XXXXXXXX and XXXX XXXX. I outlined my debts, including judgments from XXXX XXXX and an impending judgment from XXXX XXXX, totaling over {$40000.00}. Despite these challenges, I am committed to avoiding bankruptcy and proposed a lump-sum settlement of {$4600.00} for my debt with Discover Bank XXXX This offer is consistent with the settlements I am negotiating with other creditors. Resolving this debt is crucial for my financial and mental health, and I am prepared to make this payment promptly if accepted. 

When I finally reached XXXX XXXX XXXX XXXX by phone, I inquired about the status of my settlement request and was told that it was denied. However, when I asked if the denial came from Discover Bank, who owns the debt, I did not receive a clear yes or no answer. Instead, I was given vague responses such as " the offer I made is not good. '' The objective of sending documentation and explaining my hardship was to have Discover Bank review it and decide as the owner of the debt. 

Despite providing the requested documentation and a detailed explanation of my situation, XXXX XXXX XXXX XXXX 's lack of clear communication has caused significant stress and hindered my ability to resolve this matter amicably.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I checked my credit profile and came across quite a few inquiries that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting if any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

in accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have a right to privacy. 

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions. 



I am requesting for the original copy of the agreement terms & conditions. Failure to comply will forfeit your claims and will require you to delete all of the items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of this notice. I LOOK FORWARD TO YOUR RESPONSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-08-08 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-08-08 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: IL

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened a checking account with Wells Fargo on XX/XX/24 under a promo that provided for a {$320.00} bonus after receiving direct deposits totaling at least {$1000.00} in 30 days. I received direct deposit of more than {$1000.00} within 30 days. I have not received the bonus. I have contacted the bank multiple times. The last time I communicated with the bank, they informed me the bonus should be credited by XX/XX/24, but as of today, XX/XX/24, I have still not received the bonus.

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 2024-08-08 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
On XX/XX/XXXX, I went to Chase Bank at XXXX XXXX XXXX XXXX XXXX, IN XXXX. I arrived at about XXXX and waited for a few minutes. The receptionist asked me what happened. I said someone stole my SIM card she asked for my driver 's license and my debit card and said the account was fine but if you were really worried, we could help you change a fake phone number. I said sure. After it was done, she said : " Look at your Chase App on your phone. '' Then I opened my account and someone had withdrawn XXXX customer service XXXX XXXX XXXX XXXX, my wife and I entered the customer service office and we told him : " My identity was leaked and I need to close all my Chase accounts, including checking, savings, credit cards and my children 's accounts. '' Then he closed them all for me and opened a new savings and checking account for me. He is now helping us with the fraud department. I told them about our situation and got the case number at about XXXX. We can get compensation within 5 working days, so we went to XXXX XXXX XXXX to make a phone call, and then at XXXX I found that the money in my checking account was taken away by someone at XXXXXXXX XXXX USPS XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ - {$2000.00} ATM DEBIT XXXX XXXX XXXX XXXX XXXX NJ. - {$1000.00} ATM DEBIT XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX I went to find XXXX XXXX, and he called the fraud department and said that someone used my debit card to steal money, and then he opened a case and waited for 5 working days to get compensation. I received a withdrawal of XXXX and XXXX XXXXXXXX compensation for other I NOT received?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to file a complaint against XXXX XXXX XXXX, and XXXX, who are handling my debt on behalf of American Express. I have reached out to both American Express, who directed me to XXXX. I contacted them to attempt to explain my financial hardship and attempt to resolve my account, where they directed me to the attorney XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX ) provided a phone number and email for XXXX XXXX XXXX email XXXX. I spent the next month attempting to contact him, made numerous call, left multiple voicemails and sent several emails. Despite my repeated attempts to contact him by phone and email, I have not received any response. 
XXXX XXXX to nowhere and lack of communication has left me unable to address or discuss my debt with anybody that may be able to assist me in a resolution. 
On XX/XX/2024, I sent an email to attorneys XXXX XXXX at XXXX XXXX XXXX who is the attorney in the matter explaining my financial hardship due to unemployment and health issues, detailing my total debt of over {$40000.00}, and offering a lump-sum settlement of {$4600.00} for the American Express debt . I emphasized my efforts to avoid bankruptcy and my desire to settle the debt, but despite providing this detailed explanation and offer, I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the information reported on the XXXX XXXX XXXX XXXX  account associated with all the information being reported on my credit report by XXXX XXXX. I do not acknowledge this account as mine. Specifically, the outstanding balance and past due amount are incorrect. Upon reviewing the information, I found that the past-due amount reported exceeds the credit limit. This discrepancy raises serious concerns regarding the accuracy and fairness of the reported information. As per the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am entitled to dispute inaccurate information on my credit report. I respectfully request that XXXX XXXX XXXX XXXX take the following actions : investigate the account to verify the accuracy of the past due amount reported, considering that it exceeds the credit limit ; correct the inaccurate information if the reported past due amount of {$1800.00} is indeed an error, and update all records and credit reports to reflect the correct balance ; provide a detailed explanation if the past due amount is accurate, along with documentation supporting the validity of this balance. According to the FCRA, 15 U.S.C. 1681i, Wells Fargo is required to investigate disputed information within 30 days and correct any inaccuracies found. Additionally, under 15 U.S.C. 1681s-2 ( Section 611 ), furnishers of information to consumer reporting agencies must promptly correct and update information found to be incomplete or inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am entitled to request validation and verification of the debt. For all such issues in dispute please remove this account from my credit report. I trust that XXXX XXXX XXXX XXXX will address this matter promptly and ensure that all records accurately reflect the status of the account. Please provide a written response to my dispute within the legally required timeframe.

Company response to consumer: Closed with explanation