vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Mr. Cooper Group Inc.
State: ID

Complaint narrative:
I am trying to change the parcel boundary for my property for which Mr. Cooper now owns the mortgage. This is my saga : XXXX Sent email to Mr. Cooper requesting help changing the parcel description within my title XXXX Called contact center, couldn't get a human. 
XXXX Called contact center multiple times, tried different auto options, couldn't get a human XXXX Messaged coorespondant via website messager- he did not understand what I was requested and couldn't get me a phone number for a human to discuss XXXX Filed complaint on Mr. Cooper website trying to get someone to call me XXXX Finally called the Modifications department and chose options that I needed to modify my loan. FINALLY got a human, but she tried to just get me to email the research team ( the one who didn't get back to me on XXXX ) - She stated they sent me an application on XXXX, however it was not in my email nor was it in my junk. She " re-sent '' it and I finally received today. She said to email it to the Subordination department, but couldn't give me a number for a HUMAN in that department. They only take emails or mail. 

I am a XXXX XXXX XXXX highly educated XXXX. If this is difficult for me, I can't imagine how others feel. How is it that I can not get a HUMAN BEING to discuss my request? In the attempt to decrease overhead, Mr. Cooper has made it almost impossible to get ahold of a real HUMAN.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCF Intermediate Holdings LLC
State: UT

Complaint narrative:
I believe there is plenty of evidence to show that I never received my payday loan. I think I requested it in XXXX, and the first collection attempt was around XXXX. I explained to one of their agents that I never received the payment and that I had proof of it. I mentioned their recording system, as I believe they record all calls. The proof I need is that the agent entered my credit card information incorrectly, resulting in me not receiving the payment. I have bank statements from around that time showing no evidence of me receiving the payment. Despite this, I have received threatening letters, calls, and my credit score has been affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX || Date of inquiry : XX/XX/2023

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 2024-04-05 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: FL

Complaint narrative:
RE ACCT NO # : XXXX XXXX XXXX XXXX XXXX Notice of Improper reporting on credit consumer credit report Please be advised that this dispute is in regards to the improper reporting of the consumer report. It has come to my attention that your company is violation of title 15 USC 1681 ( a ) ( 2 ) ( i ). The consumer report is reporting the CREDIT UTILIZATION, which is EXCLUDED from the consumer report. ( 2 ) EXCLUSIONS.- EXCEPT AS PROVIDED IN PARAGRAPH ( 3 ), THE TERM CONSUMER REPORT DOES NOT INCLUDE. ( i ) report containing information solely as to the transactions or experiences between the consumer and the person making the report. Finally reporting late payments are illegal and credit utilization reporting are illegal, these are XXXX  EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT. PLEASE REMOVE ALL TRANSACTIONS OR EXPERIENCES BEING REPORT WITHIN XXXX  DAYS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 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: IA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-05 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: IA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the collection account listed on my consumer report by your agency. Upon reviewing the pertinent consumer protection laws, I have identified multiple violations of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. Firstly, under 12 CFR 1006.34 ( b ) ( 5 ), your agency is obligated to provide validation information regarding the debt in question. However, despite my requests, no such information has been provided, yet you have proceeded to report the collection on my consumer report. This is a clear violation of my rights as outlined in the aforementioned regulation. Secondly, I have not been afforded the opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is imperative that consumers are given the chance to challenge the validity of a debt before it is reported to consumer reporting agencies, yet this fundamental right has been denied to me. Furthermore, it has come to my attention that your agency has engaged in deceptive practices, including false, misleading, and misrepresented information. Such actions are in direct violation of consumer protection laws and undermine the integrity of the debt collection process. Lastly, your agency has furnished this account to consumer reporting agencies without providing the necessary disclosures required by law. This egregious disregard for legal obligations is unacceptable and further demonstrates your agency 's disregard for consumer rights. In light of these violations, I demand that you cease all collection activities related to this account and immediately remove it from my consumer report. Failure to comply will result in further action being taken, including but not limited to filing complaints with the appropriate regulatory authorities and pursuing legal recourse. I expect a prompt response to this dispute and a resolution to this matter within [ insert timeframe, e.g., 30 days ] days of receipt of this letter. Please provide confirmation of the actions taken to address these concerns. Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TN

Complaint narrative:
In accordance with 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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BILL.COM, LLC
State: WA

Complaint narrative:
I have provided value in form of Financial Security Instruments ; i.e., Personal SSN, copy of XXXX document, copy of XXXX document and copy of personal Bill of Exchange in form of utility bill. All of which are XXXX XXXX XXXX in which they underwrite to then monetize and withhold that value in return from me. 

I applied for an extension of credit in the Sum Certain of XXXX. 

I have given multiple offers to reconsider and also my counter-offer to their denial and discrimination. Their constant refusal is leaving me damaged. 

While I do understand the company and bank have their own regulations, those regulations DO NOT supersede Government Regulations. Federal Law, House Joint Resolutions and United State Code Title 15 Chapter 41 sub chapter 4 all state the rules and regulations regulating Financial Institutions against this very type of discrimination and denying any consumer/original creditor the extension of our credits REGARDLESS of Any INFORMATION TAKEN FROM A CONSUMER CREDIT REPORT. 

It is against the law for ANY bank to loan " money '' because all credits originate from the consumer especially since there is no money of trade but only money of accounting. 

I have expressed many times my desire to want to work with them in GOOD FAITH and HONOR in exchanging Financial Instruments for the extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: CA

Complaint narrative:
This account was charged off on the following date XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this account properly and your neglect has violated my rights. I'am demanding a deletion of the following account. Also Experian and XXXX report balance is not factual or Accurate. : XXXX XXXX XXXXXXXX XXXX  CREDIT CARD I have reasons to believe that the information provided by these sources, particularly the collection account from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate, unauthorized, and in violation of the law. This misinformation is adversely affecting my good name, character, and ability to qualify for new credit opportunities. I am exercising my rights under the Fair Credit Reporting Act, specifically referencing the following provisions : - 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681e - Compliance procedures -15 U.S. Code & 1962f- Unfair practices

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 2024-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MORTGAGE SOLUTIONS OF COLORADO
State: TX

Complaint narrative:
The mortgage servicer is Mortgage Solutions Financial, XXXX XXXX XXXX, XXXX XXXX, CT XXXX, XXXX. 

My husband passed away recently, and the mortgage company issued an escrow refund of over {$600.00} in the form of a check written out to my husband 's estate and to me. There will be no probate process due to the small size of the estate, and my bank will not allow me to deposit the check. 

On XX/XX/XXXX, I informed the mortgage processor, and they said that they could only reissue the check. I then asked if they could instead apply the money to the principal, and they said yes, by XX/XX/XXXX, they would do so. 

On XX/XX/XXXX, the escrow refund had not been applied to my principal balance, and I called the mortgage company back. They then indicated that they were refusing to apply the escrow refund to the principal balance, and to call back on or after XX/XX/XXXX for confirmation. 

I called back on XX/XX/XXXX, and the mortgage company again promised to apply the escrow refund to the principal balance and assured me that this request would be processed by XX/XX/XXXX. I told them that I had already been assured that this would happen in the past ( by XX/XX/XXXX ) and that they THEMSELVES had refused to do it, so this was in inadequate solution. 

XXXX indicated that I could not speak with a supervisor, but I insisted and waited over an hour to speak with a supervisor. While I was waiting, XXXX suggested that I write a letter via USPS to their XXXX XXXX XXXX department in XXXX, Arizona, and I told her that was an unacceptable solution because they are fully capable of doing a proper escalation over the phone and furthermore I live in a remote location in XXXX XXXX where correspondence will not necessarily reach me. 

I still maintain a joint XXXX XXXX  account that was opened with the deceased, and Mortgage Solutions Financial of XXXX XXXX could easily send the mortgage escrow refund to this account or apply the money to my principal. Worse, Mortgage Solutions Financial knows that my property is under offer and that I will close on XX/XX/XXXX. 

I then spoke with the supervisor XXXX who said that Mortgage Solutions Financial will not apply the mortgage escrow refund to the principal and is legally required to send me a check. I informed him that mortgage servicers have the option to send the money via electronic means because other servicers do that. He also proposed that I send them my husband 's death certificate, which I already did, so that was not useful advice. Mortgage Solutions Financial is refusing to send the money via wire transfer. 

So far, their solutions do nothing but prolong the delivery of MY OWN money to me. The company knows that it eventually has to deliver the money to me yet seems to want to draw this process out and involve the small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-05 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: TN

Complaint narrative:
In accordance with 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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-04-05 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: TN

Complaint narrative:
In accordance with 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.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Comerica
State: GA

Complaint narrative:
the company agreeed to one credit back to me. ; however two other purchases at the same store and the same amount, i hav't been resolved yet.It has been over a month.The company continue to say the paperwork is in the mail.That have been three wks. ago.Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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