vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I have a question for Mr. Cooper Mortgage servicer. 

Can you wait for " California Mortgage Relief Program '' to go live before you start collecting any mortgage payments from me? 

I am waiting for this Program to go live, and it is really important. 

I have tried contacting everyone regarding this program from US treasure to XXXX. 

They have no idea when it will go live but I am expecting it go live within next 2 -3 months, so let me take advantage of it and lets wait for another 2-3 months before you start collecting payments from me ( Please see attached file for the CA Mortgage relief website ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CA

Complaint narrative:
Experian is reporting XXXX account as Last Active on XX/XX/XXXX and Last Payment XX/XX/XXXX. How can the last payment date be after the last active date? I also noticed that Experian is reporting a 30 day late in XXXX of XXXX and then a 90 day late in XXXX of XXXX. I asked Experian to advise how it is possible to go from 30 day late to a 90 day late? Experian is required to report only accurate information! Experian stated they sent updated credit report on XX/XX/XXXX, however I have not received any documentation from Experian how this information was verified. And since it is in possible to go from 30 day late to 90 day late, means Experian is reporting in accurate information. Experian is still reporting inaccurate 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 explanation
Consumer complaint received 2021-10-26 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: MS

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TransferWise Ltd
State: CO

Complaint narrative:
On XXXX Transferwise ( wise.com ) took {$700.00} out of my bank account. 
On XX/XX/21 Transferwise ( wise.com ) took {$700.00} out of my bank account. 
I have only approved one of the 2 transactions. 
Transferwise says that they only took {$700.00}, not {$1400.00} but my bank account clearly shows {$1400.00} has been deducted. 
In the Transferwise app, it only shows {$700.00} was taken. 

Transferwise says that they had investigated this and this was their response : " Our payment 's team has investigated this, and we can confirm that only one payment of {$700.00} was taken from your account. 

It looks like two transactions from your history, but the first " deduction '' was our system communicating with your bank to check if your balance can cover the total amount of bank debit transfers over the past 4 business days. The only payment was pulled out on XXXX XXXX XXXX ( UTC ). '' So basically Transferwise is denying having taken {$700.00} on XX/XX/21 when it is clear from my bank that they took {$700.00} that day. 

I am attaching my bank account 's transaction activity showing dates from XX/XX/21 to XX/XX/21. It clearly shows that 2 different {$700.00} amounts were deducted and not refunded ( each transaction also has a different ID # ). 

I am also asking my bank to look into this as Fraud but have not yet received a response since I requested an investigation 12 days ago. 

Thank you so much!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: FL

Complaint narrative:
I feel that no one is taking serious this situation, I begging the CFPB to please take care of this matter, on Mon XX/XX/XXXX, at XXXX XXXX I Q Data received a certified letter # XXXXwith a Cease and Desist and an Affidavit of truth marking all the violations they committed. In one of the letters I asked to cease and desist all forms of communication with through any and all mediums, I asked to delete and zero out the accounts from any consumer reports, and to pay the invoice for every violation they committed, I gave them a 30 days period, Its been 30 days and they still reporting the alleged debt, and they have not responded with my requested remedy. Pursuant 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication They should not have any communications through any mediums and they should cease and desist the mentioned activity. If we look at the The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( They still conveying information regarding the debt through all the Consumer reporting Agencies ) They are on violation. which is not even included in the invoice that I sent them previously. Another violation they committed from the beginning is which is not in the invoice either, 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally. 
I never gave I Q Data a written consent to even communicate with me about this alleged debt, No consent is Identity Theft. 
I'm feeling very frustrated and very XXXX  out about this situation, I have to literally no sleep because I have been dealing with this, and I feel they are going to cause me receiving further injury damages, mental anguish, and looses due to me being a victim of identity theft. 
They are in default of the cease and desist and affidavit of truth I sent them, HOW CAN SOMEONE REBUT AN AFFIDAVIT OF TRUTH?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: CA

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2021 I received two emails from Truist Bank that a new user ID was created and was associated with an online checking account, even though I did not open any account. I drove to the nearest branch office and they closed the account and flagged it. According to their records, the person that opened the account used my name, address, date of birth, and social security number.

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 2021-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I made an in-person branch deposit at Bank of America yesterday ( XX/XX/XXXX ) of a XXXX courtesy check. The teller processed the deposit, and handed me a receipt which indicated Hold Codes and explained part of the balance would be available XX/XX/XXXX ( Hold Code A - " A standard hold was placed on your deposit to help protect you and the bank from losses in event the check is returned unpaid ), and the remainder XX/XX/XXXX ( Hold Code D - " A hold was placed on your deposit because your deposited checks totaled more than {$5500.00} in one day '' ). ( Image attached ). This was expected, as I've used courtesy checks in the past.

Today, I received an email stating that " specific information indicates item may be returned '' and that now they're holding the entire amount until XX/XX/XXXX. One day after the check is required to post. 

It is a XXXX check, and there is nothing that would indicate the check " may be returned. '' That wording would fit with two options on the Hold Codes ( Letters G and L ), but neither were applied to my particular deposit. 

The front of the check clearly gives XX/XX/XXXX as the date by which the check must post. I need the check to post by that date in order to have the 0 % APR, ( which I'm still paying {$600.00} to do ). The BofA customer service representative ( s ) I spoke with claimed that the post date ( now, apparently, XX/XX/XXXX ) could not be changed, nor could I cancel that check, although I was the one who wrote the check. If the check posts to my BofA account after XX/XX/XXXX, I will be subject to XXXX 's variable 16.40 % fee.

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 2021-10-26 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: CA

Complaint narrative:
Experian is reporting the XXXX  XXXX XXXX  as on time in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they are reporting a 30 day late, then XX/XX/XXXX, a 60 day late and XX/XX/XXXX another 60 day late. You can't go from 60 day late to 60 day late. I contacted Experian regarding the inaccurate information in XXXX of XXXX and then in XXXX of XXXX and asked them to explain how I can have 60 day late back to back and still no response. I have asked Experian as they are required to report only accurate information on my credit report to remove XXXX  XXXX XXXX. Experian stated they contacted XXXX  XXXX XXXX  however, I have not received any documentation from Experian that they used to verify this information is correct. It can not be correct.

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 2021-10-26 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: VA

Complaint narrative:
I was an authorized user on a XXXX credit card that belonged to my husband. 

I contacted XXXX in XXXX and was assured that I was removed from the account. 

After 30 days, XXXX is still reporting that I own this account and refuses to remove it from my credit report. Additionally XXXX is no longer reporting any information to any agency because they do not exist. 

XXXX was sold to XXXX XXXX  XX/XX/XXXX. I do not have any accounts personally with XXXX or XXXX XXXX. XXXX XXXX  confirmed today that I was not on their accounts. 

XXXX on the other hand, has removed the account from my credit report.

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 2021-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I found unauthorized inquiries on my report that i did not apply for i sent my FTC report to 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 explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Bank : Wells Fargo - https : //www.wellsfargo.com/help/contact-us/ Called again to to get the 40 year loan modification asking for a table similar to the attached to understand and compare and make an informed decision. Was informed that is not possible and was pushed to one of the other options being forced to select the COVID-19 payment deferral due to the lack of information on the 40 year loan modification to make a decision. Was informed it is not guaranteed, they can not provide me with the information similar to the attached file to make a decision and hence strongly discouraged by who I spoke too. I want the loan modification to 40 years, fixed interest rate, lower than current interest rate, as attached for all my active loans with Wells Fargo.

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 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
This letter will again ask that you Validate this debt and follow the FDCPA and provide the following : I do mean ALL, validations of alleged debt. 

( Validation of Debt ) - Proof of your right to own/collect this alleged debt. 
- Balance claimed including all fees, interest and penalties. 
- Contract bearing my ACTUAL personal signature ( Not a Computer Printout ). 
- License proof to collect debts in MY state. 
- License proof to collect debts in YOUR state. 
- A credit agreement signed by me and original creditor. 
- Documentation of the chain of custody of all paperwork- in short, proof that the paperwork is accurate and came from the original creditor. 
- Copy of my NYS Photo ID which is required to open this type of account. 
- Copy of my Social Security # which is required to open this type of account. 
- Proof from whatever shipping service that was used to provide alleged merchandise or items bearing my signature saying delivered to my address. 

As you may be aware, " Admission by Silence '' legally means that you had a duty to defend your position but failed to do so and if my claims were untrue you would have been compelled to deny my charges. I will use the Admission by Silence in my defense when I summons you to court or take action against you and your company. 

Additionally, any attempt on your part to report this alleged debt to my credit reports will be a violation of the Fair Credit Reporting Act. 
Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 

You are governed by this Act. All communication with me including phone calls to my home or business must stop immediately. All negative remarks and comments must be REMOVED from my credit report IMMEDIATELY. 


The only communication you may have with me is to provide proof of all items requested above and that all accounts and negative remarks and comments has been removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
over the last year i have received between 1-4 phone calls a day from a debt collection company called navient. the specific number they call from is : XXXX XXXX no one in this household has ever done any business with navient. we are neither in student or any other kind of debt. they have no legal reason to be calling us. 

when i unblocked their number & answered the phone, there was only a computer voice on the other end. i have tried writing to them, but got no response. ( navient does not offer an email on chat line to communicate with them. ) at this point i have no other choice but to ask my government to get them to stop the harassing phone calls. 

i dont know if navient is phising or my number has been somehow stuck in their computer system for the last year. but in either case, they should not be allowed to continue using harassing tactics in trying to collect debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: IL

Complaint narrative:
I XXXX XXXX on XX/XX/21 sent a 609 letter to Equifax, XXXX, and XXXX regarding inaccurate things on my credit report. It has now been over 110 days later and I have not received a response yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: LA

Complaint narrative:
Received the following email from XXXX with Penny Mac on XXXX. XX/XX/XXXX. Still no attempt to remedy this at all. No phone call, email, or text. After today, I will file a complaint with the XXXX  XXXX XXXX. This is my second time returning this complaint to the CFPB. 5th attempt at getting an answer to the question... 


Your complaint has been sent to the company. 
Weve sent your complaint to the company for a response. 

We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint. 

You should receive a status update within the next 15 days. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Checking or savings account ISSUE Managing an account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports : XXXXDate of inquiry XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-26 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: ORG GC GP BUYER, LLC

Complaint narrative:
There is a 3rd party collection agency that has been harrassing me, saying I owed money to XXXX XXXX. I told them I did not owe this money about 15 times in the past 5 months and they reported it to the credit nureaus anyway, completely destroying my credit score. Now I have to jump through hoops and bend over backwards to show I do not owe money on an account I do not have. On top of that they are refusing to speak to me because they have my name spelled wrong and they are saying that it is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
Earlier this year we installed a security system in or home through XXXX.. We agreed to a monthly service fee and the equipment. The contract said payments would be payable to XXXX. XXXX, without notifying us, apparently sold the equipment note to Citizen 's Bank in Rhode Island. Citizens never notified me that the assumed trhe note. Citizens stared calling me about past due payments., I had no idea who Citizen 's was. After numerous calls, we finally determined what had happened. I have asked Citizen 's to provide information to show that they had assumed this loan and to provide me written proof. and the amount and interest rate. Citizen 's has thus far refused to provide me this information They claim they are a paperless institution. and that they do not provide this information. Without proof, I don not feel I should make payments to someone with whom I've never done business. If they would provide written confirmation, I would have some protection and proof is something goes wrong. They way they are handling it leaves me in libo.

Company response to consumer: Closed with explanation