vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
We had a mortgage modification years ago and this past XXXX, when I went to make my next payment on XXXX is when we realized ( we have been setup for paperless billing ) that our loan would be due in full ( balloon payment ). I contacted Mr. Cooper and they told us we had no options except to pay it in full ( roughly XXXX ). At that point we reached out to XXXX XXXX and they approved us for a loan that would pay off the XXXX and other creditors. I asked on several occasions for a letter that states they extended the maturity date so that XXXX XXXX could pay it off. Mr Cooper DID NOT provide anything that I could give to XXXX XXXX so they told me they couldn't complete the mortgage process. 

When I contacted Mr Cooper again, the told me we could go directly through them which was NOT told to us originally. We started that process only to be told that since the payment was late that they now couldn't help and that I would have to submit for a hardship. We did that and provided all the documentation they requested. This process took a while and they came back telling us that it was denied. At that point, per their documentation, I submitted an appeal, and that process took long as well, only to be told that our appeal was denied due to the requirments of the investor, XXXX XXXX. 

Now that it took months to submit a hardship request, then the appeal of that decision, this mortgage started reporting it as 120 days late which is now destroying our credit and making it impossible to secure a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2024-03-18 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I do not recognize these XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This information is incorrect XXXX XXXX XX/XX/XXXX This inquiries were not authorized XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I do not recognize these XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX This information is incorrect XXXX XXXX XX/XX/XXXX This inquiries were not authorized 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 2024-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received an invitation to apply for a secured card, which I promptly did. After applying and getting approved, I submitted a {$300.00} deposit. However, before the card was even sent to me, it was unexpectedly closed without any explanation. I had no outstanding balance on the account, yet I still haven't received my deposit back. I've been informed that it could take between 60 to 90 days for the refund, which seems incredibly unfair. I did nothing to warrant the closure of the card, and I shouldn't have to endure such a lengthy wait to retrieve my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
XX/XX/2023, I reached out to XXXX XXXX health to set up a payment plan on a bill that i though insurance was suppose to cover. This was after Wakefield and Associate had reached out indicating my account was in collection. I reached out to XXXX saying my Insurance should able to cover the ambulance ride, that was only then i was told the insurance did not cover it. After which set up a payment plan with XXXX. 

On XX/XX/XXXX, 5 months later after I have been making payments to XXXX XXXX Wakefield and Associate puts my account into collection. 

I called and explained the issue and they wanted proof of my payments which i sent. I reached out to XXXX about the situation. 

Wakefield and Associates still insist this account needs to be paid to them and all attempts to get them to remove the collection has proven futile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX
XX/XX/XXXX

LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

DEAR COMENITYBANK/VICTORIA,

THIS IS ABOUT THE CONSUMER CREDIT TRANSACTION INITIATED ON XX/XX/XXXXWITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT). AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM.

THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. 

IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES( I.E XXXX XXXX XXXX XXXX )

ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION-

(I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION;
(ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR
(iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION

FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION.

THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED XXXX XXXX XXXX XXXX ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802.

IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT.

PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL.

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS.

THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT;

1.COMENITYBANK/VICTORIA XXXX  
IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT.

THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

SINCERELY,
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: WI

Complaint narrative:
My tax escrow payment was drawn from my accounton XX/XX/XXXX. I checked with the city and my taxes were not paid. I corresponded with United Wholesale Mortgage, my mortgage company at the time and was told they will research it. I contacted the XXXX of XXXX XXXX, whom the taxes are to be paid to, and they confirmed that taxes were not paid. I contacted the mortgage company again and they told me the taxes went to XXXX XXXX of XXXX not the city of XXXX XXXX. I followed up with XXXX XXXX and XXXX XXXX confirmed that they did have a check for the taxes but it should not have gone to XXXX XXXX, it should have gone to the city of XXXX XXXX, WI. XXXX XXXX person said that they sent the check back to the mortgage company. In XXXX I again contacted the mortgage company to get my taxes paid to the city and again they said they will research it. My XXXX taxes were finally paid in XXXX of XXXX and the mortgage company pulled the escrow a second time without ever reimbursing me for the first tax withdrawal. They pulled the XXXX taxes twice from my escrow, once in XXXX of XXXX, then again in XXXX of XXXX and sold the mortgage in XXXX of XXXX and transferred the incorrect escrow balance to the new company. I never checked my escrow balance as the real estate taxes were paid in XXXX of XXXX. The new mortgage company paid the XXXX taxes timely in XXXX. I Received a letter today from the new mortgage company that says my escrow account is negative and they need to increase my payment by {$400.00}. This is incorrect as the old mortgage company United Wholesale Mortgage owes me {$4700.00} which should go to my escrow account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
Transworld Systems began garnishing my paycheck for a credit card debt in XX/XX/year>. The debt was paid in full in the third week of XXXX. However, Transword failed to apply one of the payments they received my employer, which led to them charging additional interest and garnish a part of my tax return that has not been refunded. Fast forward to XXXX and even with me sending them proof that my employer paid them, Transworld has not applied the payment nor refunded the {$1100.00} they garnished from my taxes. Proof of payments and communication are available.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
EQUIFAX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX am submitting this complaint on my own behalf. 
After reviewing my credit report and disputing said account for several inconsistencies regarding the payment history for : XXXX XXXX XXXX XXXX  XXXX XXXX, Equifax, and XXXX are reporting different payment status, last reported dates, dates last active, inconsistent payment history as referenced on attached credit report. 

This account is reporting by the same collector so why is the information inconsistent? Clearly there is a reporting error and this account is NOT reporting 100 % accurate. Therefore, your agency is entitled to remove this negative account from my credit report IMMEDIATELY. 
Furthermore I would like to remind you of two laws that indicate you can not report this type of information on my credit report.Under 15 U, S, Code 1681b Permissible purpose of consumer reports indicates written permission must be given to report anything on my consumer reports.I XXXX GAVE YOU WRITTEN PERMISSION. No consent is fraud-therefore you can not legally report this alleged charged off account to my credit report15 U.S. Code 1681 section 602A state that I have a right to privacy

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disputed the information for the inaccuracies of the Bankruptcy that TransUnion is reporting. I requested to be provided the steps taken to conduct the investigation and the company that allegedly verified this information. XX/XX/2023 was the date of the last dispute letter sent out to TransUnion, where they failed to provide any of the requested information. In accordance to the procedures set forth below Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

My consumer rights have been violated by TransUnion which has caused a negative impact for me to obtain credit. Failure to conduct an investigation in a timely fashion, removing inaccurate information has caused me to get a higher percentage rate when I was granted credit. TransUnion claims that the company XXXX is the source of the verification, that company DOES NOT have a report of any bankruptcy on a file that they presently have associated with 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 non-monetary relief
Consumer complaint received 2024-03-18 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-18 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-18 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: GA

Complaint narrative:
I have submitted multiple disputes in reference to the account from XXXX XXXX XXXX XXXX. The credit bureaus have intentionally disregarded ever effort I have submitted to have this account removed from my consumer credit file. XXXX XXXX ' the CFPB are able to get the credit reporting agencies to remove this item from my consumer credit reports. This item can not be verified or validated because it does not belong to 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 2024-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I received an invoice from XXXX XXXX XXXX district stating that I owed taxes on my vehicle leased by Mercedes Benz. Below are the account numbers I was provided. 

Primary account number : XXXX Lease account number : XXXX I informed XXXX XXXX with Mercedes Benz that these charges were inacureate and eroneous. 

I notified XXXX XXXX that I believe these charges are incorrect for the following reasons : This vehicle is not used to generate income and has NEVER been used to generate income. This was stated to owner at the beginning of our lease. 

I am a service connected XXXX Veteran we do not pay taxes the first XXXX years of business per Texas comptroller. 

I sent XXXX XXXX and Mercedes Benz the attached 50-285 Leesee 's Affidavit of Primary Non-Income Producing Vehicle Use, emails and supporting documents verifying that these charges were erroneous and asking them to remove these charges with the attached Affidavit provided by XXXX XXXX XXXX XXXX. 

Mercedes Benz reported this inaccurate debt to XXXX XXXX XXXX district. Although I have submitted substantial evidence to prove this debt is inaccurate as well as documents to send to the XXXX XXXX XXXX XXXX, Mercedes Benz refuses to remove it and validate this debt. 

This inaccurate and erroneous debt has the potential to put liens on my home and business. This inaccurate and erroneous debt is causing me harm and hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CMG Financial Services, Inc.
State: NV

Complaint narrative:
I reached out to my current lender, XXXX, in XXXX due to challenges with paying my mortgage. My domestic partner suffered a XXXX XXXX in XXXX and another in XXXX that contributed to our financial struggles. His temporary inability to work combined with growing bills and living too close to the boundaries of our means put me in a debilitating financial bind. I reached out to my lender per the advise of my family. I explained my situation and was informed that there was a forbearance option that would allow me to temporarily suspend my payments for up to a certain amount of time until I was able to get on my feet. I completely understood that I still owed that money, but didn't realize it was creating a whole separate lien on my house. I remember being advised that we would be able to move the missed payments to the end of my loan and 'roll it in ' to my existing mortgage. That was what I thought I was doing. I have been paying my mortgage again since XXXXXXXX XXXX XXXXXXXX and haven't missed any payments, I actually pay a little more each month than that minimum payment. I was refinancing my house because I need to replace my roof. The estimate I received was for {$20000.00} ( which I do not have ). I reached out to my loan officer to see if I would be able to pull from my equity and this is when we discovered what is going on. I really don't know what to do. I truly do understand that I owe this money, but what I didn't understand was that this was going to be treated as a separate lien and how it would affect me. I really thought it was being added to my existing mortgage. I am looking for some kind of help. Can I restructure the lien? Is that even possible. I am truly desperate and trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
It's been over 60 days since I asked for an initial investigation and 30 days since my follow-up letter to dispute inaccurate information on my credit report. I have been ignored and Experian, XXXX, and XXXX refuses to address and solve my issue. This is violation of my rights according to 15 USC 1681i. Then my payments are inaccurate nor comply to 15 USC 1666 nor did I give written consent.

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