vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On or about XXXX XXXX XXXX, I was offered a Hurricane Ian Disaster Forbearance by Mr. Cooper ( Nationstar Mortgages d/b/a Mr. Cooper ) after Hurricane Ian caused an incredible amount of damage to our home. I was told that the three skipped payments would be added to the back end of our loan. A agreed to accept three months, believing XXXX XXXX ( our insurance company ) would come to our aid in that time. I was wrong. 

I was approved for a " Extended Modification '' XXXX XXXX XXXX  which Mr. Cooper 's document states " ... adds the principle and interest payments you missed during the forbearance to the end of your loan and extends your loan term ... '' I mailed a modification application to Mr. Cooper to reinstate the mortgage payments. After the wait period I called to check the status and Mr. Cooper 's associates explained that " I '' had canceled the application. This was not true. I repeated this action again and again over the next several months because associates from Mr. Cooper claimed that after mailing my applications, that I canceled them each time. 

To rectify this misunderstanding, I applied online at the Mr. Cooper website only to be informed that I had yet again canceled my application. After escalating the problem to XXXX XXXX I learned that I never qualified for a forbearance. Prior to Hurricane Ian my wife and I had applied for a streamline mortgage, gotten it, and made several payments. XXXX XXXX XXXX  computer system had flagged Mr. Cooper 's offer for a Hurricane Ian Disaster Forbearance but no one in XXXX XXXX informed us until many months had passed. 

Furthermore, as we were in this forbearance and loan modification application period our mortgage was raised and then after the multiple efforts to get the loan modification to go through the system, we were denied the loan modification due to " excessive obligations in relation to income '' and promptly sent a demand letter. 

As of XXXX XXXX XXXX Mr. Cooper was demanding the full amount due for the ten months we had been going through this to bring the mortgage current. A community organization offered roughly half the amount owed toward the balance, and we were able to pay the other half. Two cashiers checks totaling the balance and the next month 's mortgage were over-nighted to Mr. Cooper on XX/XX/XXXX to bring the mortgage current. We have documentation the money arrived before the deadline stipulated in Mr. Cooper 's demand letter. Mr. Cooper 's representative informed us the payments were rejected, stating a minimum payment must be in one check or one electronic transfer. This was never stipulated in writing. It would also make it impossible to get help from organizations. Our mortgage account will no longer accept payments. 

We had paid on this loan every month for twelve years and never missed a payment until Mr. Cooper 's offer to " help '' us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: IL

Complaint narrative:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2023-08-09 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: Texas Guaranteed
State: MO

Complaint narrative:
On Friday, XX/XX/XXXX, I checked my credit report through XXXX XXXX. A new, unpaid XXXX  loan had shown up in the amount of {$44000.00}. The origination date shows XXXX XXXX XXXX I was not in XXXX  at the time. 2 years previously, my husband and I had a loan forgiven for roughly the amount in XXXX  for our service in high needs, low income schools as XXXX When I contacted Trellis, they had no record of the loan and could provide no additional information other than there was no loan in the National Student Database attached to me for that balance. It was suggested I call XXXX as the loan may have originated with them. I called both XXXX and XXXX and neither had record of that loan and I can see in both their dashboards that there is no loan for me. I also have logged in to my XXXX XXXX  account with the federal government and there is no loan there. This is a false report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: IL

Complaint narrative:
I banked with regions XXXX XXXX, They give u 30 days to make a first time deposit, I couldnt make the deposit because the online banking app doesnt work and I had to call for a card to be sent out, Im finally able to make a deposit they send it back and close my acc when I have a check coming to that account. I did not have a full 30 days to make the withdrawal and within the time frame I attempted to make a deposit

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 2023-08-09 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 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: EQUIFAX, INC.
State: MA

Complaint narrative:
Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments. There should be no late payments on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX Account number : XXXX. Remove this account because you are reporting a 90 day late on XX/XX/XXXX with the date of last activity being XX/XX/XXXX while XXXX states the date of activity being XX/XX/XXXX Furthermore this vehicle was deemed a total loss by more insurance in XXXX of XXXX and I surrendered the vehicle to insurance the same month. I was not in charge of making the payments from the XXXX forward I have proof that it was totaled As attached Cam Number : Date of Loss : Insured Name : XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX : I am still investigating the above captioned incident. Betore I am able to bring this matter to a conclusion I need the followin. 
Your total loss settlement. 
intend to conclude this matter as soon as dossiole. 
If you have any questions, I can be reached at XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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: TX

Complaint narrative:
XXXX. XXXX XXXX XXXX XXXX Account number : XXXX. Remove this account because you are reporting a 90 day late on XX/XX/XXXX with the date of last activity being XX/XX/XXXX while Experian states the date of activity being XX/XX/XXXX Furthermore this vehicle was deemed a total loss by more insurance in XXXX of XXXX and I surrendered the vehicle to insurance the same month. I was not in charge of making the payments from the XXXX forward I have proof that it was totaled As attached XXXX Number : Date of Loss : Insured Name : XXXX XX/XX/XXXX XXXX PM XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Dear XXXX : I am still investigating the above captioned incident. Betore I am able to bring this matter to a conclusion I need the followin. 
Your total loss settlement. 
intend to conclude this matter as soon as dossiole. 
If you have any questions, I can be reached at 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 explanation
Consumer complaint received 2023-08-09 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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-08-09 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: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I tried to obtain credit and was told about an auto loan with Credit Acceptance Corporation that was delinquent and in repossession that appeared on my credit report. I know nothing of this company and never made an auto loan in the amount of {$16000.00}. I live in XXXX XXXX and never made an auto loan purchase in XXXX I disputed this with the credit bureau, and it still appears on my credit report as a repossession with {$13000.00} still owed. I am not satisfied with the outcome and the Credit Bureau nor the fact that all the say is that it's dismissed. Someone used my information to get an automobile and I want this corrected the proper way because it has dropped my score tremendously from what it was previously. Info below that I got from my report. 
Credit Acceptance Corporation XXXX XXXX XXXX XXXX XXXX Department XXXX, MI XXXX ( XXXX ) XXXX Opened XX/XX/XXXX In repossession last paid XX/XX/XXXX closed 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 explanation
Consumer complaint received 2023-08-09 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:
Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX {$4400.00} POSTED ON XXXX XXXX  CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$510.00} POSTED ON XX/XX/XXXXXXXX XXXX  CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
received my statement from barcleys upromise account and was charged over XXXX dollars from XXXX XXXX called company and customer said they would refund the amount and send me a new card aprox the first week of XXXX pulled up my new account and more charges were added to the new card so I called customer service again and was told the first person was wrong and they couldnt stop XXXX from charging me to get ahold of XXXX which I did and they said I didnt have an account with them called customer service back and explained to them I didnt have an account with them and they said there is nothing they could in the mean time XXXX charged my new account over XXXX dollars my only solution was cancel the card which I did

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 2023-08-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
On or about XX/XX/2023, I requested, via email, that TD Auto Finance reduce my interest rate on my auto loan under the Ohio SCRA which differs from Federal SCRA and apply interest rate credits accordingly. I attached my Ohio Active Orders to my email. 
Ohio SCRA Section 7.1. specifically states : To help ease financial burdens created by active military service, Section 527 of the SCRA provides servicemembers with a 6 % interest cap on all debts incurred prior to XXXX XXXX, interest cap on all debts, not just those incurred prior to XXXX XXXX [ emphasis added ] On or about XX/XX/2023 I obtained a letter via USPS requesting a copy of my Ohio Orders which I provided my Orders again and returned on or about XX/XX/2023 via USPS tracking and TD Auto Finance received XX/XX/2023. 

On XX/XX/2023, I contacted TD Auto Finance for a status and was told to contact a representative and was provided a telephone number to call. When I called the message stated that all representatives were busy and I could not leave a message after holding on for several minutes. I have not received a response from TD Auto Finance regarding the SCRA for current/ future payments and credits. 

I am requesting a status of the interest rate reduction and credits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09 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: GA

Complaint narrative:
On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXX GA - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.

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 2023-08-09 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:
On XX/XX/2023 I sent in a request for an investigation into some information being reported on my consumer report. These accounts violate Title 15 USC 1681b Accuracy and fairness of credit reporting. XXXX XXXX XXXX - XXXX XXXX GA - XXXX XXXX, XXXX XXXX XXXX XXXX These accounts have never been verified by conducting a fair investigation. I never received any documentation regarding where these accounts originated. I have given you multiple opportunities to correct these matters, now I am once again requesting your organization to obey the FCRA and perform a intense investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: KP ASSET CONSULTING LLC
State: KY

Complaint narrative:
Company : KP asset consulting Has called my mother two times in two days and left 2 voicemails with my name in them and saying I have pending claims and if I do not respond they are threatening to show up to my HOME as well as my workplace. 

I do not know what pending claim they are referring to. To my knowledge I have not received any calls or anything by mail from this company. So it is not appropriate at all to be calling my mother and leaving voicemails or threatening to show up to my home.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express extralegally closed my checking account and globally reduced my credit limits for no valid reason in violation of my credit agreements with them. 
When questioned a Customer Service employee cited " something we found in your credit '' No deragatory information was found in any of the four credit bureaus and no deragatory information was found in XXXX XXXX. 

Additionally, I have never been late in my 19 year history with American Express. 

I provided income information and it was ignored and I can not reopen a business or personal checking account with American Express. 

The only remedy is the restoration of my account and reversal of any adverse action namely the XXXX point loss caused by the cut in my credit limits abd the resulting increased ratio of debt to available credit. 
I am requesting that a letter of apology on American Express letterhead be generated stating that they have reversed the reduction of my credit limits globally thereby restoring my debt ratio to pre damage standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
I made {$1000.00} payment on XXXX XXXX. When I signed in last week to check my balance, it had already gone back up by {$1000.00}. I called and asked how that can happen. They said it was because my interest rate is at 190 %! 
I asked if I could refinance and lower the interest rate, and they said they couldnt help me. They gave me the corporate office number to call. They told me that my local store is the only one that can help me. 
I dont know what to do!!! My payments are up to {$700.00} a month at 190 %!!! XXXX XXXX XXXX! I only went to them for an emergency.

Company response to consumer: Closed with explanation