vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Please see the attached documents and documentation. I have been trying to obtain this information with no success. Nationstar XXXX Mr. Cooper keeps flagging my payments as late with the different credit bureaus impacting my credit score for many years. ( XXXX XXXX XXXX XXXX I am sure that you are aware of the Fair Debt Protection Act. 
I have the right to request validation of this XXXX XXXX. 
According to my mortgage, there is a strong possibility that there is some fraud that took place in this regard. The main problem in the contract is that I have not been provided any proof that there was a loan granted. There is no financial XXXX XXXX. 

Now according to the Promise to Pay/Promissory Note, there was allegedly a check issued for {$310000.00} to cover the cost of the loan, however, I later found out that the Promissory Note was the Instrument that paid off the home. 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX The moment that I signed the Application/Settlement Documents, they take your XXXX XXXX transaction is monetized behind your back. 

That Promissory Note pays off the house. The house was paid off within the first 45 days of me signing the XXXX and or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/year> I made a transaction for {$370.00} by XXXX XXXX to a business account name XXXX. The bank was debited 2 times this amount from my personal account. 

I made a claim for that situation in some occasion and they can't resolve the issue positive for me. 
Inclusive the manager of the bank made a bank reconciliation and all is good with my account. This money never returned to my account. 
They said that is ath movil company that have the responsibility of this money. 
I call to XXXX XXXXXXXX customer service and they said to me that one of this quantity of money ( {$370.00} ) wad paid and the other was refunded. That's why it responsibility of the bank refunded the money. 
The bank refused to do it. 
I dont know what more I have to do. That's why I made this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was alerted XXXX that there were suspicious charges on a business debit card/account. Upon receiving this information I looked into all my other accounts to see if anything else had been compromised. The only other affected account was a credit account through USAA that I had opened but never utilized and that still had a card that had never been activated or used anywhere. The account/card was added to a mobile wallet and the charge was for a high speed rail ticket in XXXX for {$49.00} on XXXX, nearly 5 months prior to my initial alert from USAA. I was never notified of this suspicious activity or charge. I contacted the fraud department on XXXX to address all issues for both accounts. I asked the representative how the information for the unused credit account could have made it into the " wild '' and if there was a breach within USAA since I was only having issues with this institution. The rep stated there was no way to know any details and that I should refrain from using bank issued cards online. 
Several months later while looking into another issue with USAA I came across posts/news stating that there had been a poorly handled breach at the bank that lasted 7 months from XXXX to XXXX. The breach included customers names, address, phone numbers, email address, date of birth, marital status, gender, drivers license number, last four digits of Social Security numbers, bank account numbers, including debit and credit card numbers, and PIN used to authenticate a member when they call USAA. 
I was never notified of this breach and have strong reason to believe it was related to the 7 month breach listed above mainly due to timing and the fact that it involved an account that had never been used in any capacity outside of the institution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of a collections account on my credit report, as reported by your agency. I believe that this account is inaccurately associated with my credit profile, and I am invoking my rights under federal law, specifically 18 USC 894, to request verification of this debt.

Pursuant to 18 USC 894, I assert that I neither own nor have knowledge of the existence of the account listed under the name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I AM NOT LIABLE FOR THIS DEBTS. 
I DO NOT HAVE A CONTRACT WITH ANY OF THIS COLLECTION AGENCIES. 

Furthermore, pursuant to 18 USC 8, I affirm that I owe no debt associated with this accounts.

As a consumer, I am entitled to request verification of any disputed debt under the Fair Credit Reporting Act ( FCRA ). Therefore, I kindly request that your agency conduct a thorough investigation into this matter and provide me with the following information : Documentation verifying the debt, including any contracts or agreements bearing my WET SIGNATURE. 

Proof of ownership of the debt by the reporting creditor or collection agency. 
Verification of the accuracy of the reported information, including the amount owed and the dates of the alleged transactions. 

I understand that the FCRA requires credit bureaus to investigate disputed items within 30 days of receipt of a consumer dispute. Therefore, I request that you provide me with a written response detailing the results of your investigation within this timeframe. 


Furthermore, I assert that the reporting of this disputed account violates my consumer rights to privacy pursuant to 15 USC 168b. The company in question has no permission to report any information using my personal information pursuant to 15 USC 1681 4.

I insist that any communication regarding this matter be conducted in writing to ensure clarity and documentation. 

Please note that failure to provide the requested verification within the prescribed time frame may result in further action to protect my rights under federal law. 

Please note that pursuant to the FCRA, if you are unable to verify the accuracy of this account within 15 days of receipt of this dispute, you must promptly delete it from my credit report. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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 2024-02-22 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 reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I have been contacted by MCM multiple times from DIFFERENT phone numbers. They will leave voicemails with vague information about calling them back but with no info on why they are calling, etc. Its clearly coming from a loud call center. I have blocked the numbers but they keep coming back with new ones. 

My XXXX call filter adds the name of the company unknown numbers come from and every time it says MCM. 

The voicemail that is left does not refer to me by name is always a version of : Hey this is NAME from MCM. Please contact me at XXXX. Thank you. This is a verbatim transcript of the recent call which shows up as coming from XXXX. Another came from XXXX, then XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-22 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: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
I wrote a letter to the Dept of education and to aidvantage about why they have my loan information on my credit and consumer reports without my written consent. At the time of applying and accepting the loan for college courses I was NOT notified about this showing up on my report nor was this made clear to me this would occur. They violated the law and do NOT have permissible purpose to share this information to the consumer reporting agencies. I've requested for the proof of permissible purpose given and they could NOT provide and with each letter I sent them they wrote back saying there wasn't enough information provided which doesn't make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I did not open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: CA

Complaint narrative:
I did not open these accounts

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 2024-02-22 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 reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
Rocket sent me email XX/XX/year> stating my XX/XX/XXXX payment was over due. I sent email including copy of my check # XXXX for {$2300.00} like I do every month for over a year for XXXX {$2200.00} + {$76.00} extra toward principal so check is even {$2300.00}. It even states that on the check ( copy ) I sent them in email so clear as can be. They respond with ''Do you want the part of this check ( that was put on principal ) to be your XXXX XXXX payment? '' I said, " Yes, like every month. Why would you suddenly do this and add a late fee and applied my entire check to principal and then tell me I have not paid my XXXX XXXX payment??? I send a separate check during the year to be put on my escrow account because they told me I had to do it that way. I told them they need to hire accounts receivable people that know how to handle the finances!. I checked again just now and they show I currently owe {$4400.00} due XX/XX/XXXX. I've already sent my XXXX. XXXX check ( early as always ) for {$2300.00}. They don't seem to care to fix this and I am XXXX and am so frustrated by them and their juvenile emails. I don't need this kind of harassment if you will. I pay so there should be no problem, no harassing emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
Banco Popular started foreclosure without notifying us the account was even past due. In XX/XX/year> we found that there were checks that hadn't been cashed. When I called Banco Popular they told me that they did received some of the checks and were in their possession but were not cashed, after that I asked for an investigation and asked them if I could send them a new check for the amount required and put a stop payment on those checks because I did not know what was going to happen with those checks, they told me to wait until the investigation was finished because any check I send during that time will be put on Hold and not be cashed. After about 4 months no results of the investigation were going on ( I was calling monthly for an update ) we went to XXXX XXXX in XXXX and visited the Banco Popular ( it was XXXX XXXXXXXX season and they only allowed a limited number of people inside the bank ) there I tried to pay again but the girl in charge of mortgages told me that she could not accept the payment because of the investigation on course but she could contact someone who XXXX help me. Finally by XX/XX/year>, we paid all the passed due and were told it would not affect our credit, and it has. It has been affecting my credit and its still showing " Foreclosure Started '', instead of showing a reinstated. We've always had the money and could even show proof that it was in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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 noticed there was a XXXX on my consumer report filed on XXXX, I contacted the XXXX court and they stated " they do not report to credit agencies '' I wrote to each credit agency and requested information on how did they receive this information. They never responded. Also this year will be the XXXX year this XXXX has been on my consumer report. Please investigate and provide proof with statements showing that this XXXX was obtained legally. Also the statue of limitations/time allotted for this reporting has expired. If proof can not be provided, I demand this XXXX be removed for both reasons. Thank you! Please see screenshot attached.

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 2024-02-22 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: PA

Complaint narrative:
After reviewing my credit report I've found inaccurate and incomplete information This account was paid and closed but never late please update asap All three credit report are reporting inaccurate Such as 2 late 30 day late payment for XXXX Two 60 days late for XXXX for XX/XX/2019 and XX/XX/2019 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 2024-02-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After reviewing my credit report I've found inaccurate and incomplete information This account was paid and closed but never late please update asap All three credit report are reporting inaccurate Such as 2 late 30 day late payment for experian XXXX 60 days late for XXXX for XX/XX/2019 and XX/XX/20XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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 reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I reviewed my consumer credit report and noticed I had two late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.

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 2024-02-22 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: NJ

Complaint narrative:
I recently checked my credit report and saw accounts reporting that i do not recognize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I recently checked my credit report and saw accounts reporting that i do not recognize.

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