vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I was approved for a forbearance during XXXX, but was also terminated from my job. My dad ( a veteran ) died from XXXX, so I requested an extension for the forbearance and was approved. I was denied unemployment and during the appeal process, a librarian helped me fax some papers. She informed about the Mortgage Loan Assistance for Alabama. I applied but was denied because they said my loan was over the {$50000.00} maximum. I went to XXXX XXXX XXXX for assistance. I was told the mortgage company could accept the {$50000.00} and apply the partial amount to me ( since it would primarily have been for escrow due to taxes & insurance ). Then, I could modify anything over the {$50000.00} and get back on track. Mr Cooper REFUSED to assist me! They demanded the full past due amount and would NOT accept any smaller payments! They offered to redo my entire loan for another 30 yrs & a higher payment, & higher interest rate! XXXX stated they could have offered XXXX XXXX arrangement on the past due, or a equity line of credit for the past due to catch up, but it seemed they were forcing me into foreclosure. They were ignoring ALL the payments that I had made from XXXX! As a result I had to file bankruptcy AGAIN in XX/XX/XXXX! To date, Mr Cooper has not sent me any modification papers! I was told I would receive them in XXXX & my XXXX trial payment would have been due by XX/XX/XXXX. I called and they said They could not speak to me, only my bankruptcy attorney, due to the bankruptcy filing. My attorney filed the affidavit authorizing me the ability to communicate with Mr Cooper and receive statements or any documents pertaining to a modification. Today is XX/XX/XXXX and I STILL have NOT received ANYTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX credit card XXXX states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
XXXX XXXX and Transunion is currently reporting it monthly as a late payment.

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 2023-06-02 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: FL

Complaint narrative:
XXXX credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
XXXX Equifax and XXXX is currently reporting it monthly as a late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX credit card Company states the item is a write off with IRS in XX/XX/2022 and is currently sending me a XXXX. 
Experian XXXX and XXXX is currently reporting it monthly as a late payment.

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 2023-06-02 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: CARD Corporation
State: TX

Complaint narrative:
XX/XX/2023 : This morning at XXXX XXXX XXXXXXXX, I received an email stating my account had been approved. This email was followed by three emails, each at XXXX XXXX stating my password had been set. These emails were followed by three additional emails ( XXXX XXXX XXXX XXXX, and XXXX XXXX ) with an authorization code. I looked up the company on the Internet and called the number provided in this report to report the fraudulent account. The company 's automated message required a full social security number and zip code to reach a representative. Since providing this information is a security violation, I could not reach anyone. 
I sent an email to supportcard.com reporting this as a fraudulent account and requested they close it immediately. At XXXX XXXX this evening, I received ANOTHER email with an authorization code. I believe this means they ignored my original email and have not closed this account. 
I had to freeze my accounts at the credit bureaus and report the incident to IdentityTheft.gov and with the 3 credit bureaus. 
XX/XX/2023 : I just received a notification that card.com is sending a credit card out despite my notification. I found a fax number ( XXXX ) XXXX and sent a fax containing my emails to cancel it. 
I do not have a card number, but they have the record under my email account : XXXX. I do not know what the billing address is for the card since I didn't open it, but I assumed it is the same as my address since I can not submit this report without knowing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Good afternoon Consumer Financial Protection Bureau, I am contacting you because a loan was opened using my wife and I social security and personal information. We got our passports, credit cards, social security cards, and banking information stolen. My wife and I we saw a loan called XXXX  that was opened under our name while we were shopping for a car then we decided to contact the company. After months of contacting the company, they decided to send me a bunch of paperwork for a fraud dispute, I completed all the paperwork more than six months ago. I been calling the company for six months and they keep saying " don't worry we going to escalate this issue and get back to you. '' the company has not done anything and they keep negatively reporting on my credit. They stopped answering my emails and they are not interested in solving the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have lifted freeze on equifax and mortgage company still cant pull my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: 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. 

The letters are stated with items and issues. 

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 explanation
Consumer complaint received 2023-06-02 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: 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.

The letters are stated with items and issues. 

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 2023-06-02 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Account history information is incorrectly reported on three of the credit bureaus. According to the law Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, my wife and I sold our home. Our mortgage had been held by BSI Financial. To facilitate the close of the home, a payoff quote was obtained. I noticed that there was an " Unpaid Fees '' item for {$1600.00}. My wife and I never missed any payments and were unsure of the source of this fee. I contacted BSI and was told that this fee was for an appraisal done in XX/XX/XXXX for a partial release. My wife and I had looked into this and did authorize the appraisal, but ultimately decided to wait until we sold our home to split the land. 

The appraisal was done by XXXX XXXX in XXXX, UT. We were very impressed with them and paid them to do an appraisal in preparation for listing our home. We were charged {$450.00} for the appraisal. Moreover, BSI Financial 's website says appraisal fees run from $ XXXX {$550.00}. With these two bits of knowledge, I was confused about the {$1600.00} charge. Through email exchanges, all I was told by BSI was that the third party, XXXX, that facilitated the appraisal had charged them the {$1600.00}. I contacted XXXX XXXX and was told the amount billed to XXXX  was not that high. So, I contacted XXXX. They told me that on XX/XX/XXXX, BSI Financial approved a fee increase from the amount billed for the appraisal to the {$1600.00}. I was told that any further questions needed to be directed to BSI Financial.

Unfortunately, BSI Financial never responds directly to my questions and is never transparent. They would have known that they authorized this fee increase, but did not tell me about it. Furthermore, they intentionally chose to charge me, a faithful payer of my mortgage, more than {$1000.00} above what they were likely billed by XXXX XXXX, all for the purpose of making more money and taking advantage of me. I have provided this information to BSI Financial and informed them that I will get an attorney involved if they do not resolve the issue. I have not heard back from them as of the writing of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XX/XX/XXXX I mailed a check for {$7000.00} to a finance company for my companies general liability insurance policy coverage. This check was stolen in the mail and cashed by someone who signed the check in the name of " XXXX XXXX '' this was not anything to do with the name of the finance company that the check was made out to. 
I noticed this on XX/XX/XXXX and contacted my bank XXXX XXXX 
Upon not hearing back from XXXX I went to my branch on XX/XX/XXXX to be told that the Declaration of Unauthorized Endorsement or Altered Item i had submitted on XX/XX/XXXX was not signed correctly by me. ( this i find hard to believe tbh ). 
So on XX/XX/XXXX I filled out another Declaration of Unauthorized Endorsement or Altered Item form. On XX/XX/XXXX I reached out to XXXX  as i had heard nothing. 
Now I am told that the check was cashed by Bank of America and they are refusing to acknowledge their error when contacted by XXXX. 
Either way I am out a large sum of money and need your help. 
Many Thanks,

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 2023-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
lender refuses to provide the amortization schedule for my mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: 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. 

The letters are stated with items and issues.

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 2023-06-02 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: 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. 

The letters are stated with items and issues.

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 non-monetary relief
Consumer complaint received 2023-06-02 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
credit cards was open in my name fraudulently

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY

Complaint narrative:
At the beginning of 2023 I opened a savings account so that I could use it specifically for my mortgage payment and nothing else. Prior to opening the account, my partner and I were using his savings account but I wanted to have an account that was just for the mortgage, and I opened my savings. Unfortunately, I had gotten my savings account number and my partners confused and our mortgage payment kept bouncing. I had discussed these happenings with the service handler, which is Lakeview Loan Servicing, which is a subservice of XXXX and we tried to figure out why we were seeing returns, because it wasn't showing up in my bank account til my partner realized I had HIS bank account listed in our online, XXXX Lakeview account. Needless to say we corrected it right away and we made all the payments again, that had not been applied to our mortgage account. However, since we have corrected the error and made the payments, Lakeview says WE NEVER MADE THE PAYMENTS. This is false. We made the new payments and they had gone through my bank without a problem. Lakeview repeatedly tells us they were returned to the bank for insufficient funds. The payments were not returned to our bank. When we called them, they repeatedly and intentionally put us on hold and never came back. This was done several times to us and as I type this, the rep named XXXX has put me on hold on purpose and has not come back, after 30 minutes waiting, a rep by the name of XXXX took the call. She says the payments that Lakeview physically had in their possession, were returned for insufficient funds. How does that work exactly? 
Other reps denied that there was any money available to apply to my mortgage. I feel as if they are intentionally trying to make us late so they can start a foreclosure. I'm actually frightened. All I want is a mortgage servicer that I can trust and is not shady. How can I switch mortgage handlers? - 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 2023-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Rausch Sturm LLP
State: MD

Complaint narrative:
Received copy of Certificate of Service of Plaintiffs Post-Judgement Discovery Request to Defendant, filed in a MD District Court, without my prior knowledge of this or any previous judgements. This company appears to have deceptively and /or falsely filed court papers, in an attempt to extort or obtain money through questionable legal maneuvers for a long-expired debt ( 10+ years, as I can best tell ). This notice was sent in plain white envelope with nothing outside to indicate it contained a legal document or any proof of delivery required, appearing to be just a random piece of mail. This seems to be part of the companys tactics, so that important documents go unnoticed and/or not received at all, giving them justification to proceed with additional court filings, which are dubious if not deceptive. They have also reported to the court of serving such legal papers which were never received.

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 2023-06-02 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: GA

Complaint narrative:
This account is shown inaccurately on my credit reports In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is shown inaccurately on my credit reports In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation