vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Makower Abbate Guerra Wegner Vollmer PLLC
State: MI

Complaint narrative:
MAGWV sent correspondence dated XX/XX/22 in which they refuse two payments of homeowners association assessments in the amount of {$440.00}. This is the regular amount of monthly assessments and the memo field of both checks indicates what they are for. They have inflated the debt by misapplying or allowing to remain unapplied payments made toward HOA assessments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: NY

Complaint narrative:
This is a formal complaint sent to you requesting for your assistance to reach out to the Credit Agencies in connection to my previous written letters which I have sent through certified mail about XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX. I have not heard any feedback or response from any of the credit agencies with regards to my request of removing this fraudulent account from by credit report. The said issue with this account has been addressed multiple times but no one have ever responded. I have been doing my research in connection to this and I found out that the Fair Debt Collection Practices Act and Regulation F requires that all credit agency should notify the consumer in specific forms of communication prior to reporting. Also, the Fair Credit Reporting Act requires that the credit agencies should provide a 100 % accuracy in all of the information. Considering these two laws, the credit agencies failed to observe both requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: IL

Complaint narrative:
I noticed unauthorized inquiries on my report, after contacting the main bureaus to dispute the matter I was told to complete an FTC complaint. I did that yet no changes have been made to my credit report. I wasd then told to file a police report. Once filing a police report with XXXX Police Department, I was then only given an incident number NOT a police report. I Have attempted to explain this to various customer service representatives however, they continue to say they are unable to help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: FL

Complaint narrative:
I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX Bank and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct suite number showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.

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 2022-07-20 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: FL

Complaint narrative:
I am disputing account XXXX due to the following : 1. The same account is currently being also reported by the alleged original creditor- XXXX Bank and XXXX XXXX XXXX. According to FCRA, it is illegal to report the same account twice 2. The attached statement provided by XXXX XXXX XXXX show an incorrect address : my correct suite number showing on my current credit report is XXXX and the statement shows an incorrect XXXX XXXX which doesnt below to me. This is an obvious and serious inaccuracy- please investigate and delete this disputed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
We have owned our house for 14 years and have problems with payments during Covid. Our mortgage company Mr. Cooper says we qualify for pandemic forbearance plan and gives us 9 months with no payments. When the plan ends we ask them to try and modify or restructure our loan and they refused, they would not let us fill out application, they would not look at the current financial information of our family. We tell them that part of the government forbearance plan is to give people a way to restructure the loan and be reviewed for programs and they say sorry, Mr. Cooper does not do that, you have to pay all the past due payments to us in one payment. We make good income again but can't pay all this money. Now Mr. Cooper sets sale date for XX/XX/XXXX. We love our home and have equity and want to fix this but Mr. Cooper will not give us a chance. 

We believe this is government XXXX XXXX  or XXXX XXXX loan and there are many programs that are available for distressed homeowners. We had a modification 7 years ago when the interest rate adjusted very high and we made these payments for almost 5 years with no problems. In XX/XX/XXXX I was no longer able to work and was collecting disability and my husband 's company was sold to a new ownership group. Even though my husband made good money, the new owners don't understand the business and the company has problems and can't make the payroll for a few months. Once things were fixed we called Mr. Cooper to begin making mortgage payments again but they would not take the money. We asked to be considered for modification and they said no, the only option is to pay everything back. 
A few months later we had Covid pandemic and my husband company struggles and he loses hours and they miss payroll several times. Finally after many calls Mr. Cooper says we are approved for pandemic forbearance plan. We believe that after the forbearance we can work to a new modified and restructured loan or repayment plan but instead same thing happens and the agents say no to everything. This is wrong. Pandemic CARES Act forbearance was mandated by Congress and lenders are REQUIRED to offer a path to fix the late payments after the program ends. Mr. Cooper has failed to do this. 

We have had a significant change in our financial circumstances, my husband is doing well at his job and I am receiving monthly XXXX and my son who lives with us is also working full time and contributing. This is an avoidable foreclosure if Mr. Cooper would just give us a chance for review for modification, restructured loan, capitalization of arrearages or repayment plan but they block everything we do. This is wrong and this company should be investigated for how they treat Virginia homeowners.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
EMPLOYER : XXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  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 2022-07-20 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am involved in a dispute with the CitiCards regarding fraudulent charges that were made using my credit card on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I was alerted via email about the suspicious activities by the CitiCard Fraud Department. Later, the same day, I spoke to the CitiCard Fraud Department representative, and I was made aware of three " suspicious '' purchases charged to my account on XX/XX/XXXX and XX/XX/XXXX. I informed the person to whom I spoke that neither me, my wife or my daughter ( two other authorized card holders ) made these purchases and that we did not use the card at all on the days in question. However, when I received a statement for the period of XXXX through XX/XX/XXXX, there were 27 more charges made during the period between XXXX and XX/XX/XXXX, amounting to XXXX dollars. When I disputed the charges, I was informed, via a generic letter, that the " dispute has been closed '' and that I am responsible for the charges I was not told about because and I quote " The card 's XXXX chip was used to make disputed transaction ( s ) at the chip enabled card reader. You verified that your card was in your possession at the time of the transition ( s ), so we don't consider this fraudulent activity ''.

I have made numerous phone calls and sent three emails to CitiBank Security Services that I am submitting as the attachments for your review. I have been very frustrated with the contradicting messages that I was given during my numerous attempts to resolve the problem. CitiCards admits that the purchases that they alerted me about and that they identified as fraudulent were made with the same card and with the same chip as the purchases they want me to pay for. They ignore my inquiries and refuse to explain how they reached two contradicting decisions about the purchases that were made with the same card, during the same time and in the same area. Even though the charges were made 40 miles away from my place of residence and we provided CitiBank with the evidence that none of the card holders were in this area at the time when the disputed purchases took place.

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 2022-07-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX : XXXX XXXX Account info Account numberXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
Account numberXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Account numberXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account numberXXXX XXXX  XXXX XXXX Account numbeXXXX Account statusClosed XX/XX/XXXX XXXX XXXX XXXX Account numberXXXX Account statusClosed XX/XX/XXXX XXXX XXXX XXXX  Account XXXX Account statusClosed XX/XX/XXXX XXXX XXXX  XXXX Account XXXX Account statusClosed XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Account XXXX XX/XX/XXXX, 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 an 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 explanation
Consumer complaint received 2022-07-20 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
At the beginning of XX/XX/2022 an account with Net Credit was reported to the credit bureaus, this account was established in XXXX of XX/XX/XXXX. I have knowledge of this account. I contacted Net Credit Customer Support at ( XXXX ) XXXX XX/XX/2022, I started calling to get information on this fraudulent account. I have been calling for almost a month and can't get anyone on the line. After the initial introduction on the automated call there is nothing but silence on the line, I than sat on hold for over 30 minutes multiple times over the course of a week and a half with never being to speak to someone. I found a contact email XXXX on Net Credit website www.netcredit.com but was told they couldn't give me any information because the email I was communicating from was on the account. I replied stating I have no Idea what email or phone number is on the account because I didn't start the account. I sent an email asking for validation of the debt to be sent to my home address but have yet to receive it. Calling into Net Credit isn't getting me anywhere either which makes me feel like the company is a scam and does things like this all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Klarna AB
State: IA

Complaint narrative:
I have contacted their customer service representatives with no response back! I can't log into the site to change my payment method and I've told them repeatedly on chat that they need to change my payment method and not take it off the card ending in XXXX!! Someone on there and changed my card to the primary ending in XXXX without my permission because I have not been able to log in!! Now they're blocking me from logging in!! So I can not change any payment method or anything!! They have also took away all my credit limit without an explanation other than it's based on my credit report! My credit report is better now than it was when I first started using them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
reporting two fraud credit accounts that has been on my report.

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 2022-07-20 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:
reporting two fraud credit accounts that has been on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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:
reporting two fraud credit accounts that has been on my report.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Starting in XX/XX/XXXX I started getting form letters from USAA stating that USAA had been notified by the USPS that my address had changed and that I needed to notify USAA of the change so USAA could update their records.

I have gotten a letter every month since then. I DO NOT HAVE AN ACCOUNT WITH USAA. I complained to XXXX  and a person named XXXX XXXX/Advocacy Advisor called me in XX/XX/XXXX saying I did have an account, then I didn't have an account and finally that I had closed an account over 25 years ago. He demanded I provide him with my SSN, I did not, and he stated that the letters would stop. 
They have not. 
I received another letter in XXXX, then a letter in XXXX from this person saying the position of USAA had not changed (? ) and again another letter asking for me to log into a non existent account to upgrade my address. 
This is harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Ive disputed this on multiple occasions, now Im being told Im unable to dispute it. The account of XXXX XXXX is not coming off of my Experian dispute report. Ive tried on many times. Ive taken this off of my XXXX and XXXX reports but still nothing for Experian.At this point Experian themselves does not want to assist me l. I called on XX/XX/2022 and spoke with XXXX who let me know that I can not dispute this item anymore since Ive already tried to dispute it. I provided an FTC report for them to take it off yet they are reluctant to assist me. Theyve gotten to the point where they do not even want to let me dispute it. They do not have my correct information and Im not being told what is Experians process of verification but they wont even disclose. I want this taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2022, a scammer impersonating XXXX using the email address : XXXX convinced me to send three separate transactions totaling {$1000.00} through the XXXX service used by Bank of America. 

I was selling a coffee table on XXXXXXXX XXXX XXXX. I was sent a message from a person going by XXXX XXXX who wanted the table via XXXX XXXX. The individual said they had a XXXX business account ; he said he attempted to XXXX me {$500.00} after I sent him my XXXX username ; however I got an email from " XXXX '' saying that his account was suspended due to him sending me too much money and I would have to XXXX  him a certain amount in order for his account to be reactivated and then I would receive my money ; this happened three times with three separate emails ; {$200.00}, {$300.00}, {$500.00} requests. I was also speaking with this individual on XXXX XXXX  during this whole process. I was sent multiple emails from the fraudulent " XXXX '' account and thought it was actually XXXX ; however after reaching out to XXXX and XXXX the email address I realized it was FRAUD and I never received my money ; I sent many messages to this individual ; who continued to ignore my messages. I immediately called my bank about this issue to open a claim and also reported this person to XXXX. Bank of America did nothing to stop or reverse the transactions. 

Bank of America has now refused to process our claim and will not provide fraud protection over the {$1000.00} that was scammed from the checking account.

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