vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, I submitted complaints requiring an error correction to inaccurate payment allocation toward late fees of {$11000.00} stated in lines 81-86 of an internal account history provided to me first XX/XX/XXXX to which Nationstar claimed by counsel they updated XX/XX/XXXX and did not. This matter is a matter of inaccurate data entry indicating a false claim I made 196 late payments by inaccurate payment allocation. 

Both times, I filed my complaint to you, Nationstar and their counsel never responded and 12 USC 2605 prohibits Nationstar 's failure to correct errors in payment allocation, to which directly and negatively impacts my ability to apply for a residential loan, with outrageous claims by entries in lines XXXX that Nationstar accepted {$11000.00} for 196 late payments, which is entirely untrue, as they originally over collected {$2800.00} which should have been {$1500.00}. 

Their failure to correct the error is causing a new Motion to Void in XXXX XXXX XXXX XXXX, to which I could barely afford to file in CJ XXXX, attached is the pleading and evidence and the XX/XX/XXXX allegedly updated account detail report that concealed an update wasn't made that doesn't appear well in the pdf of what was filed, that after I filed a Notice of Error on XX/XX/XXXX, they refused to correct the error and still refuse to make legally required corrections to final payment allocation data entry in their internal account history, choosing to cause further litigation in the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
CFPB THIS IS NOT A DU ; ICATE ACCOUNT. THIS IS ACCT NUMBER 3 UNDER THE SAME AGENCY. 


I AM REQUESTNG THE AMOUNT OF A FRAUD ACCOUNT WHICH WAS LISTED WITHIN MY XXXX CASE. XXXX, THE TRUSTEE REFUSED TO INVESTIGATE THIS ACCOUNT. I FILED XXXX BECAUS OF THE FRAUD. YOUR COMPANY FILED A XXXX CLAIM IN THE AMOUNT OF XXXX. ALTHOUGH, A FRAUD ACCOUNT THE BALANCE WAS NOT BE XXXX I WAS PROVIDED WITH THE AMOUNT WHICH WAS PAID TO YOUR COMPANY BY YOUR XXXX OFFICE. THIS CONSTITUTES XXXX FRAUD AND ALL WILL BE HELD ACCOUNTABLE. ALTHOUGH THE FRAUD ACCOUNT MAY HAVE BEEN DISCHARGED OR PAID, I AM IN NEED OF THE TOTAL AMOUNT OWING ASAP. I WILL COMPARE IT TO THE AMOUNT QUOTED TO ME. 

IT APPEARS COURT STAFF HAS ENGAGED IN UNETHICAL ACTIVITIES AS THE SITUATION AND NUMBER ARE NOT ADDING UP. THIS TRUSTEE HAS ALSO UTILIZED THIS SAME COMPANY TO COLLECT ON FRAUD CC ACCOUNTS WHICH S VERY SUSPICIOUS. NONE WERE PAID BUT DISCHARGED, BUT WHEN I SPOKE TO EACH XXXX DEPARTMENT A NUMBER WAS GIVEN WHICH WAS COMPLETELY DIFFERENT. THIS INDICATES THIS IS AN INTERNAL OPERATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: NC

Complaint narrative:
On or around XX/XX/XXXX Equifax received a written request from me to delete inquiries from my consumer report that I do not recognize. As of today they are refusing to remove them. This is very disappointing being that they are allowing unauthorized information to be reported and it is negatively impacting my credit score. And they are also negligently enabling identity fraud. 

This is a serious breach of my right to privacy. I am again requesting Equiax to remove the below inquiries. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report as being reported on the dates above. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). 

If Equifax refuses to delete the above inquiries from my credit report, I will be seeking {$1000.00} per violation for their negligent enablement of identity fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Opened account online back in 2021. 

Issue 1 : Company misleads and/or omits important interest information at the point of loan acquisition and on your account billing statement. They fail to provide interest charges on billing statement. 

Issue 2 : I am unable contact company directly through their website or by telephone.

Issue 3 : I feel the business practices and profits by violating Usery Laws and actively engages in predatory lending practices.

Issue 4 : Failing to provide appropriate disclosures : Interest rates.

Crediting and compounding policies. 
Service fees. 
Balance computation method. 
Minimum balance requirements. 
Transaction limitations. 
Time requirements ( if applicable ) Issue 5 : Taking five days to process payments forcing the account to incur further interests and charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
PLEASE SUBMIT VERFICATION OF BALANCE REGARDING XXXX XXXX XXXX XXXX THIS DEBT WAS PAID BY ME VA MONEY ORDER AND SHOULD NOT HAVE BEEN FILED WITHIN THE BR COURT OR IF PAYMENT WAS MADE AFTER XX/XX/2018 IT SHOULD NOT SHOW A CLAIM BALANCE. 

IF DISCHARGED THERE SHULD NOT BE A CLAIM BALANCE, A CLAIM WAS SUBMITTED INTO MY BRC FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: NY

Complaint narrative:
Looking to see where the student loan refund that was submitted is. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This letter is to whom it concerns, i am writing this matter to you all myself without the help or assistance of any third party. I will now start with my complaint. This matter is directed to Transunion. Included in my complaint is my police report which states and supports my claim of identity theft, a letter from XXXX XXXX XXXX XXXX. that i received to showing proof that my information/data was included in their data breach as well as i am a victim of the XXXX data breach. Just speaking about all of this is a headache in itself. The matters in which i have had to deal with has been even more life changing. this is not my first time submitting this information to the consumer reporting agencies, specifically in this case to Transunion and still they have not corrected the matters. which is a sign of them neglecting me the consumer and doing as they please with my life and my credit report. My life has been traumatized by this. I have missed out on employment, housing and interest rates through the roof because of this.

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 2022-09-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Issue with following company : Experian.com ( i.e. a credit reporting company ) Description of issue : On XXXX XX/XX/2022, a ) I successfully created an internet account at Experian to put a freeze on my account. 
b ) I successfully put a freeze on my account c ) I signed out of the account d ) ISSUE : 1 ) When I tried to log into the account to verify I could have access to my account to unfreeze my account in the future, Experian would not accept my username and password. 
2 ) When I called Experian 's XXXX, the computer answering machine had no options to talk to a human 3 ) When I called Experian 's XXXX, I got to talk to a person who told me that I could not access my account because I did not have a membership ( i.e. an account with a monthly fee ). That person asked if I want a free membership and I responded yes. Then, the phone was silent for awhile and the phone call was stopped. 
4 ) When I recalled Experian 's XXXX, the computer answering machine would not allow me to talk to a person 5 ) When I tried to open a free membership at Experian, Experian did not allow me to open a free account Please help resolve this issue. Thank you

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 2022-09-16 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: OH

Complaint narrative:
XXXX XXXX was included in my XXXX  XXXX bankruptcy, yet they are reporting an active account the account was included in XXXX XXXX filed XX/XX/2022, the vehicle was returned to XXXX XXXX XXXX giving to XXXX the sales manager took two sets of keys took pictures, he said he gave keys to sales rep, and he did noting car still sitting at XXXX XXXX dropped car at dealership 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 2022-09-16 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: CO

Complaint narrative:
I received an alert from Experian that XXXX  XXXX XXXX made a credit card inquiry on XX/XX/2022. I did not apply for a credit card at XXXX  XXXX XXXX. I called XXXX  XXXX XXXX and they had a credit card application with my name, address and phone number and social security number. A card was opened with a spending limit of {$20000.00}. No charges had been made to the card by the time I had called.

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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/2022 I received a debit card in the mail from Bank of America ( BOA ) in my name. I do not have an account with BOA and when I try to call to report it and close the account I am told that there is nothing that the person on the phone can do and that I need to be transferred to a different department. I am then placed on hold indefinitely. I have never talked to a person in the " correct department '' despite being on hold for hours. I called on XX/XX/2022 and was on hold for more than an hour. I have called today and have been on hold for almost two hours now with no response. I have no way to close the account and protect myself from further liability created by this fraudulent 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
Consumer complaint received 2022-09-16 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: FL

Complaint narrative:
In accordance to 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. 

XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2022 I was the victim in a XXXX  money transfer scam. I tried to cancel the transfer but I was not able to and the other party involved received the funds. I have requested a payment back from that party for the amount and I have received no answer. 

I have also requested my bank institution to dispute this transaction but they claim that because it was authorized from my end, without my being aware that this was a XXXX scam, it is not under purchase protection, and therefore can not be disputed as such However, I was under the impression that all money in the United States is covered under the FDIC. If money is fraudulently stolen or wired out of my account the bank is responsible for reversing that transaction and possibly flagging and Reporting the recipient for investigation. 

In refusing to reverse the fund transfer, i believe my Banking institution is being complicit in a crime, given that a legitimate bank account and personal information is required to link XXXX. Meaning that they could easily trace back the funds taken from my account but are refusing to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Mortgage Research Center, LLC
State: UT

Complaint narrative:
On XX/XX/2022, I was searching to get more information on obtaining my VA loan. Through my searching, I ended up calling Veterans United. I entered some basic information for them online, and within minutes received a phone call from them. Prior to this I did not know they were a lending agency, nor did they disclose that with me. I gave them even more personal information and my SSN. At no point, did they say they would be pulling my credit. After the phone call, I was notified through my security apps and credit bureaus that there had been a hard inquiry made on my account from Veterans United. This was all done without my consent or knowledge. I wasn't even interested in finding a lender. Had I known any of the above I would have said no.

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 2022-09-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
This is a formal complaint on Hyundai Motor America ( XXXX ). On XX/XX/XXXX I was on the way to pick my children up from school when I heard a loud metal knocking sound coming from the engine. The car turned off and I was forced to pull over to the side of the road. On XX/XX/XXXX the car was towed to the nearest XXXX XXXX Hyundai dealership in XXXX, Fl. The diagnostics are done by appointment only. Three weeks later the diagnostic was complete. The diagnostic proved that the engine locked. The service advisor advised me that my XXXX XXXX XXXX has a lifetime warranty and if the issue was because of my engine I will be compensated a brand new engine at no cost. Before the service advisor submitted the actual claim over to XXXX  he requested to have proof of a couple receipts of the routine oil change. I provided him with the information. After sending that information over to XXXX, The service advisor contacted me saying that XXXX  wanted pictures of the motor. After receiving the pictures of the motor they denied the claim stating that there is reason to believe that there was neglect to changing the oil, which was not true. I have provided XXXX  with proof and advised them that the previous oil company XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX. XXXX, XXXX, FL XXXX ) sold their business to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). The XXXX XXXX have told me that they can not provide any of the records from the previous company because they do not use the same system. By law the oil companies are suppose to keep the customer records up to 5 years. I am a single mother of XXXX children and I work a full-time job being without my car has caused me to take off from work and fall behind on my bills. The car was financed XX/XX/XXXX and paid off XX/XX/XXXX. XXXX  is aware of recalls, electrical issues and engine complaints. I deserve to have my engine replaced at no cost because my engine has a LIFETIME WARRANTY.

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 2022-09-16 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: GA

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 3. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 4. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 5. Identity Theft XXXX Account Number : XXXX Delete this account. 6. Identity Theft XXXX Account Number : XXXX Delete this account. 7. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 8. Identity Theft XXXX  Account Number : XXXX Delete this account. 9. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 10. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 11. Identity Theft XXXX Account Number : XXXX Delete this account. 12. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 13. Identity Theft XXXX Account Number : XXXX Delete this account. 14. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 15. Identity Theft XXXX XXXX Account Number : XXXX Delete this account. 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief