vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I NEED TO SUBMIT A COMPLIANT REGARDING A LATE PAYMENT REPORTING ON MY CREDIT FILE. XXXX XXXX SAID I WAS LATE FOR THE MONTH OF XXXX AND I HAVE PROOF SHOWING I MADE A DOUBLE PAYMENT. MY PREVIOUS COMPLIANT WAS CLOSED WITHOUT A VALID REASON SO I'M SENDING IT AGAIN. I ALSO LEARNED ABOUT THE HERO 'S ACT AND THERE ARE NOT SUPPOSE TO BE ANY LATE PAYMENTS REPORTED TO CONSUMERS REPORTS DURING THE PANDEMIC SO WHY IS THIS REPORTED?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: NC

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
After making 3 trial payments of {$2300.00} on a mortgage modification to XXXX XXXX XXXX ( XXXX ) in XXXX XXXX XXXX XXXX XXXX XXXX and after signing and submitting notarized paperwork, an additional non-trial payment of {$2400.00} made in XXXX XXXX, the loan service was transfered to from XXXX to Nationstar Mortgage ( dba Mr. Cooper ) in XXXX XXXX 

Mr. Cooper didn't honor the modification and we weren't allowed to make additional payments on the loan. 

In early XX/XX/XXXX, when we first contacted Mr.Cooper about this loan transfer delay, statements made to us, ( and documented ), by agents of Mr. Cooper, that were false and misleading, reassuring us no payment or penalties would be required or incurred due to the delay in the loan service transfer. 

Still unable to make payments, in mid XX/XX/XXXX we engaged with an attorney from XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) who after review, drafted Reg. X requests and notice of error letters, which were submitted via certified mail to Mr. Cooper and XXXX on XXXX 
Mr. Cooper and XXXX did not respond or comply with the request for documents related to our mortgage history and loan servicing. 

The XXXX attorney negotiated with attorneys for Mr. Cooper for 6+ months with no resolution other than an offer for us to pay all back payments ( XX/XX/XXXX thru XXXX XXXX ) in one lump sum ( over {$29000.00} ), in order to resume monthly payments. 

We are submitting this complaint becuase we believe Mr. Cooper and/or XXXX acted fraudulently are in noncompliance, pursuant to 12 C.F.R. Sections 1024.35 and 1024.36 of Regulation X of the Mortgage Servicing Act under the Real Estate Settlement Procedures Act, by not responding to our request for documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/23 I received a fraudulent text and phone call from a spoofed phone number posing as Chase Bank. The person over the phone gained access to my account and also instructed me to wire money into an account which was labeled as a new account for myself. Thinking this was really Chase, I followed through - wiring over 12,000 dollars. Hours later my account was locked so I called Chase for myself to find out this was a scam. That same night, I reported the fraud. We are now at XX/XX/23 and there is no resolution. I have repeated the information to Chase several times now with no end in sight. Supposedly, a wire recall as been initiated but they have not given me an update. I just need my money back because I emptied my account that day. I have reported this to my local police department and the FBI as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: GA

Complaint narrative:
I called XXXX XXXX on XX/XX/XXXX at around XXXX EST ( on a recorded line ) I spoke with a representative about paying a settlement amount of {$2500.00}. She then sent me to a " senior management. '' I explained the situation to her and she said she would talk to the creditor about the {$2500.00} amount. When she came back on the line, she then said she asked them for {$2700.00}. When explaining to her that's now we discussed and why she told them a different amount than what I told her she got upset with me and told me that they were in charge and she would put the derogatory marks of not paying back on my credit for 7 years. This debt was issued in XX/XX/XXXX and now she's telling me that she would restart the clock if I didn't pay the additional {$200.00}. When I asked for her name and to speak to a manager she told me she wasn't transferring me to anyone else and if I didn't pay in 24hrs she would put it on my credit record and I won't be able to do anything about it. When I kept asking she then hung upon me. I've tried calling back over 10 times to speak to someone about this and my phone number is not going through. I did call from my other number and it did go through then they hung up on me and I can't call them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Not A DUPE .... this is a re-investigation on erroneous reporting.I have disputed this multiple times with Experian and the Creditor, the Creditor, XXXX, advise I should contact Experian and XXXX to fix this because they do not report to XXXX. 

In XXXX " Reaffirmation of Debt '' started appearing associated to my XXXX card. For some reason, there is something in the " back-end '' attached to the account that flags the record as a " Recent Collection '' and/or " Recent Bankruptcy ''. I have opened multiple requests to fix this since this is incorrect. Furthermore, my XXXX XXXX  was filed in XXXX and XXXX XXXX. According to the FCRA " Negative '' information can not stay on the credit file past 7 years, if my filing was in XXXX, XXXX would have been exactly 7 years. The bureaus and XXXX XXXX ( reported to the XXXX ) have been defaming my credit worthiness with other lenders causing reduction of credit limits, account closures which has raised my utilization and dropped my score from XXXX points before this happened. I can not get personal loans for emergencies and it appears I may have issues renewing my leased vehicle with all these errors which are willful and negligent violations of my rights under the FCRA since I have disputed these multiple times and NOTHING HAS BEEN CORRECTED. In fact, XXXX went ahead and re-aged the " Date Reported '' on my XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX which caused another set of account closures and negatively affected my credit. I have written multiple times about this and they continue to say everything is OK and not fix. In the meantime, years of working on my credit has been ruined by XXXX, Experian and XXXX for which i have another opened complaint. I need all this negative removed and permanently blocked from appearing. XXXX should not have re-aged the " Reported Date '' on the XXXX XXXX Multiple instances and months of complaints to the Credit Bureaus & each month the the score goes down and the credit line is decreased, and my credit score and creditworthiness has been negatively affected. Experian and XXXX continue to say the information is correct, but it is NOT. They are flagging the XXXX  XXXX as new somehow everytime they send the account update and worst yet, they are sharing this with all my lenders ruining all the reltationship it has taken years to establish and ruining my credit.

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 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
No information was given regarding the account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
Fradulent line of credit was opened under my name for " COMENITYCB/XXXX " on XX/XX/XXXX. In XXXX, {$130.00} was placed on this line of credit. 

I also received a notice of fradulent credit inquiry from " COMENITYCAPITAL/IKEAPC '' on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello, The following accounts listed below do not belong to me. 
Please remove both accounts completely from all three credit bureau 's. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Thanks in advance for your assistance regarding this request. 

My contact information is as followings : XXXX XXXX XXXX Mobile phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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:
Hello, The following accounts listed below do not belong to me. 
Please remove both accounts completely from all three credit bureau 's. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Thanks in advance for your assistance regarding this request. 

My contact information is as followings : XXXX XXXX XXXX Mobile phone : 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 2023-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General, and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I had a checking account at Bank Of America.I I had a friend who was in XXXX working on oil well who requested help getting medication.and supplies via bitcoin. The funds were sent to the finance dept at the oil company. The bank raised a red flag and it was investigated. There was absolutely no fraud I was assisting an ill man get desperately needed medication from an illness of inhaling dust fumes over long period of time from his work.Bank Of America closed my account on XX/XX/2021. 
There is report of suspicion of fraud on my credit report. I am not able to open a new bank account at any other bank now. The manager at XXXX XXXX XXXX told me to get a letter from bank of america stating there was no fraud but they refused. 
I want to open a business and can not begin to achieve this unless this negative report is removed quickly

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
All, The Equifax reporting agency is not updating my file to include my birthday thereby making the credit report useless because neither myself nor a bank can get my credit report or score. My credit union can not pull my report and this is costing me money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
On XXXX XXXX XXXX  notified all 3 CRA and identified information on my report that are a result of identity theft, these are not related to any transactions completed by me, XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 2023-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper, my mortgage servicer, debited my escrow account on XX/XX/XXXX in the amount of {$1400.00} to pay for my property insurance premium. 15 days later I started receiving notices from the property insurance company ( XXXX ) that my policy was in a cancellation status for non-payment. On XX/XX/XXXX, I spoke with a representative from XXXX they advised the payment that was issued from escrow on XX/XX/XXXX was still not received. I spoke with a representative from Mr. Cooper 's insurance processing center and she advised a batch payment was sent on XX/XX/XXXX and it should have cleared. She advised to give it another week and see if the payment will clear. On XX/XX/XXXX, no payment had posted to the property insurance and I spoke with Mr. Cooper again, the rep issued a payment in the amount of {$1400.00} to XXXX XXXX and advised she would issue a stop payment on the original XX/XX/XXXX payment. On XXXX, again I spoke with Mr. Cooper as XXXX payments in the amount of {$1400.00} have been debited from my escrow account. The rep on XXXX advised a stop payment was never complete, she completed the request and advised XXXX business days for processing. On XX/XX/XXXX, I again called Mr. Cooper as there are still XXXX payments of {$1400.00} debited from my escrow. After explaining the situation and being advised there is nothing she can do, I requested to speak with a XXXX. I was placed on hold and then disconnected on after XXXX minutes. Again on XX/XX/XXXX, I called back and spoke with another rep and was advised that they need to reissue the stop payment and wait another XXXX days. I requested to speak with a XXXX, yet again, and was put on hold for another XXXX minutes and then advised there is no one to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On XX/XX/2022 I sent a letter disputing a billing error under Truth in Lending Title 15 U.S C. 1666 to Plus Finance. I have not had a response from them and they continue to try to collect a past due amount when they have closed my account. Also reporting to so-called private credit agencies while this account is in dispute.

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 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: ME

Complaint narrative:
Fradulent line of credit was opened under my name for " XXXX " on XX/XX/XXXX. In XXXX, {$130.00} was placed on this line of credit. 

I also received a notice of fradulent credit inquiry from " XXXX '' on XX/XX/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 2023-01-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have two accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

XXXX XXXX XXXX XXXX # XXXX {$710.00} XXXX XXXX # XXXX {$330.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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 have XXXX accounts on my credit that I am not responsible for. I have no knowledge of these accounts and they are fraudualent. 

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 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We deposited XXXX checks on XX/XX/XXXX for a total deposit of {$9800.00}. XXXX days later the deposit was still not posted to our bank account. XX/XX/XXXX we went to bank and were informed that the deposit is there and should be in our account. They did not know why it was not. Error caused by bank- XXXX of the numbers missing when recording our bank account XXXX and that this would be corrected by XX/XX/XXXX. On XX/XX/XXXX we took a copy of the front and back of XXXX of our clients cancelled checks to show Citibank had cashed the check and to show where Citi Bank actually deposited our XXXX, the bank XXXX said that an Investigation Report should have been filed and should be corrected within a week and we should be patient. Since then we have contacted bank every week and each time we have been told it should be posted by the following week and to be patient. Our last communication was on XX/XX/XXXX. As of today XX/XX/XXXX, still not in our account. 
At this point we feel that our funds have been stolen or bank is involved in some kind of 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 monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear XXXX  XXXX, I am writing to request that my loan payments be reported to the credit bureau. 
I understand that the regular reporting of loan payments to the XXXX and XXXX is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. 

I have included my loan account information below for your convenience. 
XXXX Thank you for your time and I look forward to hearing from you. 

Sincerely, 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