vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My mortgage was transferred to Mr. Cooper ( NationStar ) in XX/XX/XXXX. They are maintaining an escrow account to pay both municipal property taxes and homeowners insurance. However, since they took over the mortgage loan, they have failed to pay municipal property taxes from the escrow account. 

I have mailed property tax bills and delinquency notices to them on two occasions to the address they provided : XXXX XXXX XXXXXXXX, XXXX, TX XXXX. The most recent items were mailed on XX/XX/XXXX. They have not acknowledged receipt, responded or taken any action. 

I have emailed property tax bills and delinquency notices to them on three occasions to the email address that they provided : XXXX The emails were sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They have not acknowledged receipt, responded or taken any action. 

I have called and spoken with individuals in their escrow department on several occasions, including the following : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They open research requests, ask me to email the documents and/or promise to take action and follow up with me. After each of these calls, no action was taken, and no one followed up with me by mail, email or phone call. 

The first missed municipal property tax payment was due on XX/XX/XXXX - {$2800.00}. They took no action to pay it. I finally paid it, along with interest due, on XX/XX/XXXX from my personal funds - total {$2900.00}. Since then, Mr. Cooper has not taken any action to reimburse me or credit my account. 

The next municipal property tax payment is due on XX/XX/XXXX in the amount of {$2900.00}. I have no confidence that Mr. Cooper will take any action to pay this on time ( or at all ) from the escrow account. I intend to check with the city a day or two in advance -- if the amount is unpaid, I will again make the payment from my personal funds. 

Mr. Cooper 's management of my mortgage escrow has been a total and complete failure from the time that they became my mortgage lender. Their customer service department is useless. They do not take any action with respect to requests made by borrowers and do not acknowledge receipt of materials or communicate with borrowers in any way regarding unresolved requests. 

I am hopeful that you can help as I have no confidence in this company to remedy the problem. Thank you very much. 

P.S. Every one of my mortgage payments to Mr. Cooper has been paid in full in a timely fashion through autopay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CB/VICSCRT Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am an authorized user on my mother 's credit card and it is showing on my credit report as a balance that I am responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am an authorized user on my mother 's credit card and it is showing on my credit report as a balance that I am responsible for

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 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
I worked throughout the Fall to prepare for the best option for my situation. I attended a seminar hosted by XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX, on XX/XX/2021. Registered under the email address XXXX Scheduled a follow-up meeting with a XXXX XXXX  XXXX counselor XXXX XXXX on XX/XX/2021. I spoke to XXXX XXXX and he forwarded my information to XXXX XXXX of Community Loan Servicing. I spoke to XXXX XXXX on XX/XX/2021 about my situation and desire to remain in my home. NONE for those actions seem to be noted in the company 's files for my home. Also, none of that was mentioned in a previous complaint XXXX. The company seemed to take the position that I had not taken actions to reengage in payments for my home. I want to be clear that XXXX XXXX XXXX is and was engaged as a counseloXXXX for Community Loan Servicing and that my records are accurately noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
XXXX months ago i received a message from the three credit bureaus that a new collections was reported on each of my reports for {$230.00}. I do not know, nor have I ever heard of the third party agency, nor the original creditor, nor did I receive any letter from either of these parties claiming I owed any alleged debt or notice to cure. I disputed with all three bureaus to validate the authority of the entity to collect on the alleged debt. Two bureaus replied that the debt was not validated and removed from my credit reports. The third, XXXX, refuses to validate the alleged debt. I have challenged it three times requesting they validate the debt yet they respond within a few days saying the debt is verified. I did not request a verification, i requested a validation, and they continue to ignore my request and return what they wish to return which is outside of the scope of my request. 

I am asking the CFPB to contact XXXX and request they validate the alleged debt according to the FCRA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I have never applied for anything with my credit and have just now been able to get into to check my credit score. Its showing 6 bad accounts on there which do not belong to me I never signed up for anything never knew how to. I am XXXX and feel I have been stolen from. I am on XXXX XXXX and I have always had state insurance where everything has been paid.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: MI

Complaint narrative:
I just received a debit card from XXXX XXXX starting Friday, XX/XX/2022 as a brand new plasma donor. XXXX gave me a sealed envelope stating the card inside was mine and would be loaded with payment each time I came to donate plasma. Inside was the card, attached to a list of fees. I did activate the card that day, but did not use it. When I looked over the list of fees for using the card, " Bank teller withdrawal ( for banks participating in the XXXX XXXX ) '' said the fee would be {$0.00} to do this. This is the way I would like to receive funds off my card, as I will be taking the money to my daughter 's school for her tuition. The school does not accept credit/debit cards, so I needed the cash off of the card. When I saw this item on the fee list, I thought I would not have a problem doing a cash advance ( what the bank calls it ), at a bank. So, I did make a second plasma donation on Wednesday, XX/XX/2022. When I went to one of the two XXXX banks I use for cash advances ( my job also puts our paychecks on a card, but that is a different card company ), the teller said the card declined. She said I would have to go to another XXXX location because they can only run a card once a day, per branch. So, when I picked my daughter up from school, I tried the other XXXX bank I use and the teller there said my card was declined again. I had called the number on the card before leaving and I knew the money was on the card, so I was puzzled and aggravated that my funds were unavailable to me. Later on in the evening, about XXXX XXXX EST, I double checked the fee schedule, then called the card company, Comdata/Regions Bank XXXX to find out what was going on. I apologize, but I did not get the name of the representative who spoke with me. She said that the only way I could use money from the card at no charge is if I ran the card at a store. In order to get physical money back, I would have to pay {$.00} for cashback at a store, or {$1.00} at an ATM. I told her that it plainly states on the list of fees {$0.00} cost if withdrawn at a bank, she said no. We went back and forth but the answer was still no, even though I had this brand new card with the enclosed fee schedule saying that was the case. This is very, very upsetting and I personally see this as scammy. I don't feel I have to pay an ATM or store to give me my money that is owed to me 100 %!!! Especially if I have the paperwork that says I can do what I wanted to do. Not right!!!! 

By the way, the pay card from my job, which I withdraw cash advances from every two weeks at one of the two XXXX banks I referred to above, is a Mastercard. So, those two XXXX banks do participate in the 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 monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
The Credit Bureau is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: CO

Complaint narrative:
I received a debt collection notice on XX/XX/XXXX for an old bank account dated back to XXXX. One I dont even recall having my bank account in a bad status when I closed the account and too how can they send me any notification saying I owe debt for XX/XX/XXXX ( over 16 years later ) I was told this is against the law and they cant do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
The XXXX Credit Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax is currently violating FCRA by reporting false and inaccurate information. On my recent Equifax reports the XXXX Bank account XXXX XXXX reporting different information on the XXXX XXXX XXXX Payment amounts don't match on Equifax Credit Report XXXX XXXX to Equifax Report XXXX XXXX The Actual Payment Amounts '' don't match '', The Scheduled Payment Amounts are different. This a violation of the Fair and Accurate Transaction Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account 1 : WORLD FINANCE, BALANCE {$1400.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 2 : WORLD FINANCE, BALANCE {$530.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 3 : DEPARTMENT OF EDUCATIONXXXX, BALANCE {$320000.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 4 : DEPARTMENT OF EDUCATIONXXXX, BALANCE {$0.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 5 : XXXX XXXX, BALANCE {$2500.00}, there was no action taken by Transunion within 30 days after dispute was initiated. 
Account 5 : XXXX XXXX, BALANCE {$9000.00}, there was no action taken by Transunion within 30 days after dispute was initiated.

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 2022-01-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX was sent a request for validation letter concerning a account they claim I owe on my consumer report today which is XX/XX/XXXX they still have yet to respond. This account is very damaging for my personal consumer report and business report causing me to not be able to get funding

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 2022-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had a previous complaint about my account being closed and now they sent me a check with the refund, went to cash the check and The check is bouncing and no one will cash it because they cant get ahold of chime to verify the check Amount of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. 
I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXX - XXXX XXXX  XXXX - XXXXXXXX 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 explanation
Consumer complaint received 2022-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
I have sent in numerous complaints about the ongoing violation of my consumer rights and breaking of the law by TransunionI have been mistreated, lied too and disrespected by Transunion for a long nowThis has to stop immediatelyIve attached a letter and an FTC report stating the violation and misconduct on the part of Transunion

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 2022-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I purchased a appliance from Home Depot and they talked me into getting a Home Depot credit card for a reduction of the original price. I agreed and when the bill came due for the remainder I paid it off in full. They kept sending me statements and charging late fees. I faxed a copy of the bank statement showing where and when the full payment was deducted from my banking account. Now they have placed this debt on my credit rating. I havent charged anything else on this card.

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 2022-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
1 ) Two payments were sent via XXXX XXXX XXXX online XXXX to Loancare for {$520.00} around the first of XXXX and first of XXXX. XXXX XXXX tells us they havent received the payments from Loancare. Loancare says they have no record of receiving these payments. XXXX says the funds were debited. XXXX provided a copy of a deposited check from XXXX, deposited to a XXXX XXXX account. 
XXXX XXXX went ahead and made an additional payment to XXXX XXXX for {$1000.00} in late XXXX to ensure the account stayed current. At this point wed just like a refund of the payments sent to Loancare. 
2 ) A negative remark was added to our credit reports XX/XX/22 showing the XXXX payment was missed and the account was closed more than 90 days past due. 
a. Wed like our payment history accurately reflected on our credit reports.

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 2022-01-20 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I lost my job due to pandemic on XXXX of XXXX and my son lost his job on XX/XX/XXXX we can not afford to pay the monthly payment of the car so we decided to voluntary surrender the car I call the Credit department of ford they send a letter of voluntary surrender which stated that they going to sell the car in auction and if the sale did not cover the due balance of {$25000.00} plus sale expenses I will pay the difference.I call them back and told them that i am not going to sign the letter and i will just drop the car to Dealer where i bought the car which is XXXX XXXX in XXXX I call XXXX XXXX but they did not want to accept the car and said that i can drop the car but they are not going to give a documentation and it on me if something happen to the car.I called back Ford credit department but i can not get an answer so i decided to file a complaint

Company response to consumer: Closed with explanation