vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Mr Cooper under XXXX XXXX XXXX, are very unprofessional, inconsistent and not knowledgeable with all the informations. I started inquiring about how to do " XXXX XXXX '' since our mortgage is under FHA. We can apply from it, since the original borrowers are my " direct family member '' ( brother/nephew ). So we started applying this year around XX/XX/22, they said, need " deed of transfer '' which we made it thru notarized and registered already to our XXXX XXXX XXXX " transfer of ownership '' was now under my name " XXXX XXXX ''. They said, it's denied coz the period of time lapsed within XXXX days. So, they open a case again and denied on XX/XX/22 coz they said they need " proof of relationship '' with the original borrower, we submitted and again XXXX days lapsed again. The problem with them, they only update you if you call them and will tell only by the phone not even sending you email of letter, if we need something else to be completed. Every time i call them always " under review '' to the XXXX XXXX the XXXX days lapsed again and again and again. Now, today at around XXXX i called them again and i spoke with XXXX he said, the " XXXX XXXX '' will not gon na be granted to us, because it can be with the " spouse or children '' by the orginal borower. As far their requirements from the documents they sent to us " direct family member '' included with the questionaires for assuming party/selling party, If they have changes they should revise it with the stated dates, but not at all. What i'm understanding " XXXX family is limited to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ". I don't think MR COOPER knows what they're doing or processing " Loan Assumption ''. The mere fact why they never told us in the beginning, they keep us prepared documents almost the beginning of the year. The time/effort/money we spent to make this things legally under our name now. PLEASE HELP US. They're not FAIR. They'll probably has plan coz the " real estate '' is down and they want us probably to start all over again, the offer us HIGHER INTEREST. Since literally we are paying the mortgage and legally and registered under our name " XXXX XXXX  '' We really need your help. The previous complaints we made, all lies, nothing solve.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: PA

Complaint narrative:
I feel like I'm being taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its removal 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 non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
Phone number XXXX has repeatedly called, robot picks up and says no one is Available to answer. 

If I dont pick up, they leave a voice mail that has No message, and generally only tends to say XXXX and cuts off. 

Has texted me from suspicious spam like numbers and links that do not seem legitimate. 

No idea what this is about. 
There is no information provided. 

Ive responded to texts and calls saying please dont call or please send me verification of debt. 

There is absolutely no human response Ive received for the past year theyve called. 

There was never any formal contact or communications sent to me except frequent spam like calls, that end with robots that answer that repeat a phrase and never actually responds, leaves spam like voicemails. Never no actual intent on communicating

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 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duvera Billing Services, LLC
State: PA

Complaint narrative:
I feel like I'm being taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

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 2022-08-17 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: CA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: FL

Complaint narrative:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services, or money ; and was succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamtion of my character

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 2022-08-17 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: Cascade CISS Holdings, LLC
State: GA

Complaint narrative:
From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PENTAGON FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I feel taken advantage of by being ignored in my arguments. It is clearly stated on XXXX that failure to investigate an item within 30 days would result in its immediate removal 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 2022-08-17 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: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
Collection agency is reporting false information to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: ProCollect, Inc.
State: MI

Complaint narrative:
I spoke to a XXXX XXXX this morning in regards to a phone call I had received. 

XXXX XXXX was very pushy, persistent.and unprofessional. She spoke over me when I had questions and spoke very quickly discussing the account XXXX XXXX told me the reason for the call was for a balance I owe from a prior residence I was renting from. 
I explained I never received a final bill from the property manager, I never received a representation letter from this collection agency. XXXX XXXX demanded balance in full today to stop collection efforts. 
I told XXXX XXXX Im not paying on an out standing balance without a bill or letter of representation. XXXX XXXX stated thats fine, its on your credit report anyway. 
She gave me one other opinion to pay and that was 3 monthly payments that I can not obligate to at this time. 

Id like to know how this account can be reflected on my credit report without having a chance to dispute or receiving a bill on this matter. 

Instead, XXXX XXXX tried bulling me into paying on this account. 
I finally gave XXXX XXXX my attorneys contact 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 2022-08-17 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account XXXX has violated my rights -- see USC references below XXXX ( Client account number is XXXX. ) 15 USC 1681 Section 602A states that I have the right to privacy.

15 USC 1681 Section 604A, Section 2 states that a consumer reporting agency can not furnish an account without my written instructions and consent. 

Therefore, XXXX XXXX XXXX XXXX has violated my right to privacy by furnish my account info without my written instructions and consent. 

Thank you. 
XXXX XXXX XXXX email : 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 non-monetary relief
Consumer complaint received 2022-08-17 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: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
From XXXX XXXX to XXXXXXXX XXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: American Credit Acceptance, LLC
State: GA

Complaint narrative:
From XXXX XXXX to XXXX XXXXXXXX XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I received a letter saying my account was closed. I do not have an account with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Collection agency is reporting false information to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Collection agency is reporting false information to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hi, I contacted and talked with an agent in the BOA using the mobile app to transfer my credit limit from my old credit card ending XXXX to the new one ending XX/XX/XXXX. I asked the agent to transfer the {$900.00} credit limit from my old credit card to the new one which ends up changing the credit limit of my old credit card from {$1400.00} to {$500.00} and the new one from {$13000.00} to $ XXXXThe agent initially gave me false information and told me that she can not do that as it is impossible to move the credit limit between the credit cards. Since I have done it before multiple times and I knew that it is possible to do this transfer, I asked her again to check if she could do it fact that I was sure it is doable. After holding in the line for few minutes, the agent told me that she could do this and I need to wait for a few minutes to see the changes in my end. I immediately checked my mobile app and I got to know that the {$900.00} is deducted from my XXXX credit card but it was not added to my XX/XX/XXXXcredit card. I told her the situation and she said it may take some time to see the update on my end and she said that she can see the changes on her end. She told me that she can see my credit card limits changed to {$500.00} and {$14000.00} as it was supposed to be changed and she disconnected the call while I was talking. I called after a few minutes that I found that the credit limit in my XX/XX/XXXXaccount did not change to {$14000.00}, and I was told that the first agent just reduced my credit limit in my XXXX account and did not initiate the credit limit transfer but just the credit limit reduce and she did a mistake. The new agent apologized and connected me to her supervisor but both of them tried to request a credit line increase to fix this situation which did not let them fix it. I was told there is another way to fix this error which occurred due to the BOA agent earlier. This credit limit reduction has significant impact to my credit history and needs to be fixed immediately.

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 2022-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MedShield, Inc.
State: IN

Complaint narrative:
I am currently trying to close on a house and was advised that I had 2 medical bills on the reporting agencies from 2012 by the amounts of XXXX and XXXX from XXXX XXXX XXXX. I was told it was sold to a Med Shield Incorporated. This debt beyond the 7 years limit and needs to be removed. They are still reporting it as if it is a new debt. I requested it be removed and they are not willing to do so nor give me further information to resolve it. They were rude to my financial advisor when they called with me on the line to get further information about my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc.
State: CO

Complaint narrative:
Hello and thanks for reading my complaint. 

In 2019, my wife and I signed a lease for a condo at XXXX XXXX XXXXXXXX in XXXX Indiana. I was there playing baseball. We stayed and payed out our lease. Payed every bill they ask and didn't have any issues. the following year my wife and I were getting financing option for our first home and saw a collection on our report from XXXX XXXX  XXXX for XXXX XXXX We have no idea what that's for but just figures there no need to hassle and so we just paid it off. Now fast forward we both still have Derogatory Collection on both of our credit reports. its been incredibly damaging because it pushes or interest payments very high over something we have no control over. Our monthly payments are XXXX $ more a month because of our interests rate is high because of this Collection on our report. I contacted Pro Collect who is the collection agency responsible and they won't take it off our report. This is just wrong and the big institutions are taking advantage of us to get higher interest payments.

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 2022-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Regarding Equifax Credit Bureau, my reported score dropped XXXX POINTS on XX/XX/22 with no significant changes to my history except 3 balance DECREASES across separate accounts. I have had no recent hard inquiries on my credit, no dramatic balance increases, and no reported collections or late payments. XXXX XXXX XXXX both have not reflected this change, and despite signing up for a personal account WITH Equifax on XX/XX/22 for a closer look, there is no further information to be found. I find this unacceptable that there has been such a huge drop in ratings, especially with Equifax 's history of incorrect credit reporting in the past according to the national news reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
My wife and I recently opened a joint checking account at Ally Bank and we've both had fraudulent charges on our debit cards ( with different account numbers ) that we've only used for ATM transactions, and we've now also had fraudulent charges on the replacement debit cards that were sent. Ally claims these charges are due to a Mastercard cybersecurity breach that occurred approximately one year ago, but their claim makes no sense as our accounts and debit cards are recent. 

There are numerous recent reports across social media of fraudulent charges on Ally customer debit cards. See, XXXX XXXX XXXX XXXXAllyBank/. I hereby request that the CFPB investigate this matter to determine whether Ally 's cybersecurity is at fault, and, if so, direct Ally to remedy the situation as soon as possible.

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 2022-08-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Bankruptcy was XXXX XXXX, a collection was made in XXXX under XXXX  and XXXX XXXX XXXX. I then filed a report with the Attorney General Offices in Texas and Washington as well as a dispute resolution through the US Department of Education. 

XX/XX/XXXX of XXXX I received a letter Transworld Systems Inc collecting on the same debt, I responded to them to dispute the information using the systems that they described in their letter. 

Explained that the debt was discarded in XXXX, that I went through this process back in XXXX. This has been the first time since XXXX that I have received anything of the sorts, has not shown up on any of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation