vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
This conventional interest only loan started at 9 % through XXXX XXXX. The loan was sold to XXXX XXXX XXXXXXXX then Nationstar and then Mr. Cooper. I applied for a loan modification with Mr. Cooper after suffering a XXXX XXXX in XXXX of 2014. During the entire time period I also had several property damage claims that were sent to XXXX, XXXX XXXX XXXXXXXX and Nationstar totally more than {$25000.00}. All of the checks were signed by myself and turned over to the current mortgage servicer at the time. The mortgage servicers were supposed to sign and return the insurance money to me so that I could complete the repairs and pass their inspection. All of these servicers never endorsed or returned the funds so that I could repair the property. I believe that this was a conspiracy to defraud me by the investor, XXXX, XXXX XXXX XXXXXXXX Nationstar, and Mr. Cooper to bring about the foreclosure of my property. 

I have attached proof of my attempts to receive the insurance claim funds from the loan servicers over the years. I request that the foreclosure be suspended until I receive the funds in dispute, which by law should have been endorsed and returned to me to complete the repairs years ago. I believe that this is a conspiracy by all parties to force a foreclosure on the property. 

After I completed the COVID special forbearance, the investor should have approved a streamline modification to allow me catch up and reduce my payment. Mr. Cooper did not allow this option for this conventional loan. This would have allowed me to keep my home and keep their loan intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
My name is XXXX XXXX XXXX and my account ALLY FINCL with the account number XXXX is being reported inaccurately. The date of the last activity of the account is XXXX and the payment history is reporting the years XXXX? I am disputing this account because they are re-aging my account. This practice is illegal and must not be tolerated. Please see the attachments I sent.

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 2022-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: GA

Complaint narrative:
In XXXX of 2020 I disputed XXXX XXXX with XXXX XXXX and the account was deleted. The amount owed is wrong since the collection is apparently a contract penalty for canceling. I never had a contract with the company. I never received any collection info in writing from this company it just appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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:
On XXXXXXXX XXXX,2022 I sent Experian a dispute letter disputing inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting with no proof of investigation. Also, I have not given Experian written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against 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 2022-02-25 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act Convergent Account # XXXX XXXX Has violated my rights. These account has also been removed by XXXX, and Exquifax. In which I have the investigation results Showing these items were in fact deleted and should not be reporting my on credit report Please demand XXXX to remove these two accounts. 

Also under Account # XXXX was also deleted from transunion showing NO derogatory accounts in question. I've attached a copy of accounts listed from XXXX this account is not showing. But it shows on Equifax an exceptional payment history that I do not recall. And it's showing on XXXX as a charge off. all this information is inaccurate and does not reflex the true identity of this accounts and should be deleted As soon as possible. 

The last Account # XXXX has also been deleted from my XXXX  credit report, I received a dispute acknowledgement from the company as well, but it has continued to show up on my XXXX and Equifax credit report and should be removed as soon as possible. 

15 U. S. C 1681 section 602 A. State I have a right to privacy U. S. C 1681 section 604 A Section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was previously an employee of Wells Fargo Bank and at that time had setup a Team Member Checking Account which was fee free - no monthly maintenance fees. I have since left the bank as an employee and no longer use the account other than for minor purchases on XXXX or XXXX. A month ago, I received an alert that Wells Fargo had assessed my account a XXXX XXXX  monthly maintenance fee. I was surprised to see this since I had received no communication in my mail that the account was transitioning. With other banks, if something like this happens, I've received a Change in Terms Notice and something physically mailed to me to tell me that I am being adversely affected with a fee if conditions aren't met. None of this was done. I called customer service and they said there is a note on my statement a month ago saying the account was going to change in 30 days. I wasn't really happy since I never open or check my statements for this account, but ok fine. Now here we are less than a month later and I have moved all my funds out of the account with the intention of closing it and they again assess another XXXX XXXX monthly maintenance fee. Due to this new {$10.00} fee, their system will not allow me to close my account. I also called and received notification that they can not close without another {$10.00} payment, which I find ridiculous. I just want to close my account without the bank assessing me any more monthly fees.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
On XX/XX/2022 I called chexsystems inc, I spoke with XXXX the supervisor explaining to her that there was an fraudulent request of information on my file. I explained to them that they were in violation of 1681b. The supervisor continued to give me a hard time and didnt help at all with security freeze issue. Since then I have mailed out a letter demanding the security freeze be lifted until further notice. Please see attached file.

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 2022-02-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
It was brought to my attention in Fall of XXXX via official credit report through all XXXX bureaus that my information was mixed with someone else 's. This included inaccurate reporting of my SSN, previous names, and addresses. I was able to correct this information through dispute and verification processes with 2 of the 3 bureaus. 

Equifax has failed to correct this information, despite my first dispute being completed in XX/XX/XXXX. It is now XX/XX/XXXX and Equifax has stated they still have not received the verification of my information ( including a letter/dispute form, a copy of my ID, and a copy of my Social Security Card ). This is extremely concerning, as I have sent on three separate occasions, by mail, physical copies of my personal private information. I also faxed this information once in XXXX. The address I sent this information to was verified multiple times with the CRA, and yet they state they have not received any copies of these documents. I have also disputed this multiple times online through their disputing services on their website. Each time this has resulted in a notification that to change the information they need verified copies sent to them, which I had already done as explained above. 

This is a clear violation of FCRA and this is unacceptable and affecting my credit score and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: GA

Complaint narrative:
On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-02-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Ive been working on medical bills issues with Covid and now another health issue and more out of pocket expenses.. State employee credit union is playing games with me and has single me out from the rest of their members.. Ive talked with one member as the pandemic is ongoing.. In 2019 around XXXX I went to the XXXX XXXX XXXX had XXXX in XXXX bills asked for XXXX XXXX in tens XXXX  in fives and XXXX in ones. I didnt count the money.. I then handed over to a store owner.. Later that day got a call from credit union that I was giving to much money in fact I was given XXXX in fives and to turn in the transaction.. I told the credit union that the money was given to store owner .. months and yrs to follow I have received letters affecting me my mortgage ect.. I have every letter that was sent and would like help with this on going issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: MI

Complaint narrative:
On XXXX XXXX,2022 I sent TransUnion a notice to dispute inaccurate and fraudulent accounts. Its been passed 30 days and these accounts are still reporting and no proof of investigation. Also, I have not given TransUnion written or verbal consent to report any derogatory remarks on my credit report. No consent is identity theft per title 15. Congress made it clear that furnishers arent allowed to report information containing transactions or experiences between the consumer and the person making the report. This is defamation of my character, unfair practices and conspiracy to help companies commit fraud against 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 2022-02-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have received a response from you all about the credit agency complaint number XXXX. 

Unfourtunately, I believe that you all are allowing the bureaus to break the laws according to FCRA laws which state that the bureaus are suppose to response within a reasonable time frame of 30 days. Yet, they have not even responded until I sent a complaint via you all. Also you all know about the CARES ACT and this violates that as well. Equifax was recently involved in a case for actions like this. 

There actions of not responding to me in a timely matter and keeping this inaccurate information that is not even mine on my report is preventing me from getting a safe and affordable place to stay for my family and I again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: NC

Complaint narrative:
My XXXX XXXX bankruptcy was discharged on XX/XX/XXXX. XXXX and XXXX updated my credit file to reflect the discharge. Equifax did not so I disputed with Equifax on XXXX. Equifax reported that they verified the information as correct with a third party, XXXX. I contacted XXXX on XX/XX/XXXX and XXXX stated that they show the XXXX  XXXX disposition as discharged and their file was updated on XXXX. Since the information was incorrect still on my Equifax credit report, I disputed again with Equifax. This dispute was XX/XX/XXXX. With both of my disputes I provided the court document showing the discharge. 

On XX/XX/XXXX, I received the dispute results and again Equifax claimed they contacted XXXX to verify the data and that the information was being reported correctly. I contacted XXXX again on XX/XX/XXXX and again they stated that they show the discharge. XXXX stated to call Equifax again. 

This is unacceptable. I provided information to Equifax twice showing the discharge and the third party verifies the discharge in their records. Equifax is not meeting their requirements under the FCRA to report a consumer 's information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
This is the second time this debt hit my credit score, below is a copy/paste which summarizes what transpired. Looks like XXXX decided to hire a new collection agency even though they acknowledged the debt is not real. The new collection agency ( Amsher Collection SE ) has not called me but has made a negative statement which hurt my credit. 

" This debt was the result of a double billing error from an old XXXX  Internet account. On XXXX/XXXXXXXX, I spoke with XXXX of XXXX, who confirmed that this was a double billing error and it will be removed. XXXX gave me the number for XXXX XXXX ; I called XXXX XXXX and spoke with XXXX on XX/XX/XXXX ( Ticket # XXXX XXXX XXXX ) and I was told that the amount would be taken out of collections. Despite all my attempts to resolve this double billing error, XXXX XXXX XXXX continues to report this false delinquency on my credit report, they have contacted me by phone, and send me e-mails demanding that I pay a debt which they have acknowledged to be a double booking error. XXXX XXXX XXXX has caused emotional and financial damage due to my lower credit score ( which affects my interest rates ) and the stress that comes from receiving false collections requests. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX someone stole my debit card and made small purchases in the $ XXXX range and large purchases up to {$910.00} dollars from XXXX. 

As I was in the process of moving and switching out of an abusive job, I was not actively monitoring my account .. when all was said in done..... I had submitted XXXX separate claims -> XXXX for {$5600.00}, XXXX for {$3200.00}, and XXXX for {$980.00}, which had been stolen from me on my lost debit card ( I did not realize it was gone until XX/XX/XXXX ). 

When I submitted this to Bank of America within the 60 day period in which they are liable for my charges- they declined saying that I had authorized them. 

At this point, I called back, asked that they reopen the claim and offered to provide any information that would be required to reinstate my claim. To my surprise- a few days later my claim was closed again. 

So, I called back and asked for a member of the fraud team to call me and describe specifically what information that I can provide to prove that not a single one of these transactions was me. I am very busy- but have left work and disrupted my daily life to go to the retailers and get proof that none of these charges were even me. 

Again, Bank of America never called me back and this time without alerting me they again closed my claim. Futher, when I just called them to complain - the agent hung up in the middle of the call and did not call me back after I waited on hold for 30+ minutes.

This ordeal has put me in serious financial jeopardy to the point that at one point I wasn't sure how I would pay rent, I have been nothing but willing to provide any information that the team would need to prove that it was fraudulent ( It was ), and I have taken hours upon hours of my own time to resolve this. I am beyond dissapointed with Bank of America 's treatment of a long term customer.

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 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX  shows up as a hard inquiry two at a time for the past 15 years

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 2022-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS Last reported XX/XX/2022 {$340.00} Open balance XXXX XXXX Original creditor I have submitted disputes via certified mail requesting validation of the debt on XXXX separate occasions. Attempted calling personally to dispute but was refused to do so as I wouldn't provide them with my personal information ( which I assume they would have if debt was valid ).

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