vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I am writing to formally request that Mr. Cooper, who is purported to be the current Note holder, provide the following documentation : Proof of Holder in Due Course : Evidence that Mr. Cooper is the legitimate holder in due course of the Note, Accepted Accounting Principles ( GAAP ) verification that your company is a creditor of the instrument, as mandated by GAAP with the appropriate book entry debit for the transaction. 
Original Note : The original Note bearing the wet ink signature, as required by law. 
Despite multiple requests for this information, I have not received the documents as requested. These omissions represent a violation of the Truth in Lending Act ( TILA ) and serve as prima facie evidence that the attempts to collect on this note may be based on fraudulent practices. 

I am also formally putting on record that fraudulent activity is suspected in relation to the property, as detailed in the following timeline of events : XX/XX/XXXX : Purchase contract signed for the construction of a new home. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 Nationstar Mortgage, also known as Mr. Cooper, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  subsequently filed for dissolution and ceased operations ; Foreclosure re-filed by Mr. Cooper. 
XX/XX/XXXXXXXX XXXX XXXX Property foreclosed with {$490000.00} in proceeds. 
Grantors for Sale/Transfer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requesting that Mr. Cooper provide the list of items as requested, Original Note, with my original wet ink signature, as required by law, Proof of claim that you are the current holder of due course of the Original above mentioned Debt Instrument and I wish to have the the instrument presented to me for visual inspection. ( XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have been a cardholder for 20 years, perfect payment history. I pay all my bills on time and had excellent credit. I was 2DAYS late XX/XX/year> and they reported me to credit agencies. This is completely unfair, as most companies give 10 days grace. Being as that Ive been a very good account holder and have excellent payment history I feel this was completely unfair and negligent in taking care of their good paying customer. Should I really be punished by dropping my score XXXX XXXX for 2 day late payment in the middle of the holidays. They have given me ZERO grace and its disgusting. I have called and spoken to over 10 people and opened 2 separate cases with Target. I dont know what to do anymore. This is a negligent and terrible treatment of a customer who pays this bill along with all other bills in a timely fashion. They refuse to reverse this - I wAS 2 DAYS late! Look at my credit and payment history on every account, I dont exactly have a record of bad payment. You are ruining my credit and its horrifying that I cant get it charnged aster almost a year of calling and dealing with this. PLEASE REVERSE this and give me the respect and kindness I deserve. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: CA

Complaint narrative:
My email was changes and hacked I called to get it fixed and they wouldn't change my password back to the original password before I was hacked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: U.S. Auto Credit Corporation
State: FL

Complaint narrative:
Auto loan the amount is XXXX was opened on XX/XX/year> is charging as a bad debt or write off affecting credit reporting. It is listed as a cosign i have requested the information or video or me signing the paperwork or proof that it was me i was and still is a victim of identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation accuracy of information reported by XXXX, TransUnion, and XXXX. I request an immediate re-investigation of this item as its inaccuracies severely impact my XXXX XXXX. Per the FCRA ( Public Law XXXX ), Title VI, Section XXXX, Subsection XXXX, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I disagree with the reporting of the account listed below, which persists on my credit report despite your previous investigation accuracy of information reported by XXXX, XXXX, and Experian. I request an immediate re-investigation of this item as its inaccuracies severely impact my XXXX XXXX. Per the FCRA ( Public Law XXXX ), Title VI, Section XXXX, Subsection XXXX, please provide me with the names and business addresses of each individual whom you verified and validated the above information with, so that I may follow up accordingly. Additionally, please send me an updated copy of my credit report after completing your investigation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have not been informed that this is the case I am going to end up with with my attempts to dispute these accounts that are affecting me financially, mentally and emotionally - so here I am writing once again, asking if you could just look through my case and investigate the accounts that I am asking for you to verify the accuracy and remove once done.

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 2024-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX  I wrote you all on XX/XX/year>. I requested a few documents because you are reporting to the credit bureaus that I owe you all {$660.00}. I want to know where this number is coming from. Please provide me with documentation that shows how this balance was calculated. By now, you should have had enough time to get this out of your files. It's been since XXXX when I wrote you, but still no proof or any type of communication. Maybe my letter got lost. Please provide me with : The original retail sales installment contract Calculation for deficiency balance Repossession notice ( with certified mail tracking slip ) I am attaching the letter I sent you all for proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My personal information was stolen in XXXX  since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-09-09 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
I recently checked my credit report and saw that accounts are still reporting that should be removed.

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 2024-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: DISCOVER BANK

Complaint narrative:
OUR JOINT ACCOUNT WAS FROZEN. I WAS TOLD BECAUSE WE ARE MARRIED, THEY CAN TAKE ALL THE MONEY IN OUR AJOINT ACOUND. I DID NOT RECIEVE ANY PAPERWORK TO EXPLAIN WHY OUR MONEY WAS FROZEN IN SEPERTE AMOUNTS. I CALLED THE BANK TO FIND OUT WHAT HAPPENED. I HAD TO DO ALL THE REACHING OUT TO FIND OUT WHY I COULD NOT USE MY SOCIAL SECURITY FUNDS. I WAS TOLD THEY HAD THE RIGHT TO KLEEP ME FROM MY SOCIAL SECURITY FUNDS. UNTILL THE MATTER WAS RESOLVED I WOULD NOT HAVE ANY ACESS TO MY SOCIAL SECURITY MONEY TO BUY MY FOOD AND PAY MY RENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did get a refund but not thy right amount, They charged me again after they cancelled my account? They gave me a Refund for {$260.00} but was suppose to be {$340.00}, & still charged me a extra {$29.00} on XX/XX/year>, They stold again, & my account is still cancelled? Please investigate TransUnion they keep taking extra money & hide the truth about their thieving, I can show payment records thru XXXX XXXX XXXX. for later documentation.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, oig.hotline This matter is going to become serious if I don't see the appropriate relief from this collection forthwith. I don't owe XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX but I do have some very strong complaint letters to send and file up with lawsuits pursuant to G.S. if we can't remove this collection immediately. 

I've provided documentation that states XXXX XXXX did not have the signed move out form with the correct date which would have had me owing a balance of XXXX. 

I left this property due to grossly unsafe conditions orchestrated in some part rather actively or passively by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They could be civilly and criminally responsible for physical and mental damages to my health while at the property and severe financial loss. 

The thought that I'd ever pay XXXX Properties a XXXX or what they let happen to me at XXXX XXXX is the most XXXX sick thing I can think of and the fact XXXX can sleep at night is proof XXXX will not be hot enough for some people. 

I want this off my credit forthwith or we are all going to go to court with a story for the ages and I'm going to leave with big checks and pursue criminal charges. 

respectfully, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX  I am filing a formal complaint against all parties but this should be simple for XXXX XXXX They don't have a required signed move out letter because XXXX won't release it. Therefore they have no debt. I have fled a complaint with their XXXX, the CFPB, and have made the credit bureau 's aware this debt is invalit. 

You are preventing housing for someone with a XXXX and I'm tired of it. At this point I'll pursue this in every legal way I can starting with criminal complaints to XXXX Police and the Federal Bureau of Investigation if I can not get this removed from XXXX XXXX and transunion 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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  This matter is going to become serious if I don't see the appropriate relief from this collection forthwith. I don't owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  but I do have some very strong complaint letters to send and file up with lawsuits pursuant to G.S. if we can't remove this collection immediately. 

I've provided documentation that states XXXX XXXX did not have the signed move out form with the correct date which would have had me owing a balance of XXXX. 

I left this property due to grossly unsafe conditions orchestrated in some part rather actively or passively by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They could be civilly and criminally responsible for physical and mental damages to my health while at the property and severe financial loss. 

The thought that I'd ever pay XXXX XXXX XXXX XXXX or what they let happen to me at XXXX XXXX is the most XXXX XXXX thing I can think of and the fact XXXX can sleep at night is proof XXXX will not be hot enough for some people. 

I want this off my credit forthwith or we are all going to go to court with a story for the ages and I'm going to leave with big checks and pursue criminal charges. 

respectfully, XXXX XXXX XXXX XX/XX/1979 XXXX XXXX XXXXXXXX XXXX XXXX  I am filing a formal complaint against all parties but this should be simple for XXXX XXXX They don't have a required signed move out letter because XXXX won't release it. Therefore they have no debt. I have fled a complaint with their XXXX the CFPB, and have made the credit bureau 's aware this debt is invalit. 

You are preventing housing for someone with a XXXX and I'm tired of it. At this point I'll pursue this in every legal way I can starting with criminal complaints to XXXX Police and the Federal Bureau of Investigation if I can not get this removed from XXXX experian and XXXX 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 non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Equifax and CFPB, I am writing to formally dispute multiple inaccuracies, unverified entries, and misleading information regarding my credit report as it pertains to the account listed by XXXX XXXX. The discrepancies not only misrepresent my financial history but also significantly impact my credit health and overall quality of life. 

The following inaccuracies have been identified in the report : 1. **Unverified and Outdated Information** : The report shows an " Account Status '' of " Derogatory '' with a " Balance '' of {$120.00} and a " Payment Status '' of " Collection/Ch. '' However, the " Last Reported '' date is XX/XX/year>, while the " Date of Last Activity '' is noted as XX/XX/year>. This discrepancy raises serious concerns about the accuracy and timeliness of the information reported, violating my rights under 15 USC 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report.

2. **Misleading Comments** : The report states that the account was " closed at consumers request and dispute resolved, '' yet it also indicates that the " consumer disagrees '' that the account is seriously past due. This conflicting information creates confusion and misrepresents my actual financial obligations. It is crucial for my credit report to reflect accurate information to avoid unjust penalties on my credit score.

3. **Impact on Credit Health** : I have made numerous attempts to resolve these issues with Equifax yet each time I reach out, I am met with responses that fail to address the inaccuracies adequately. The ongoing presence of this misleading information severely limits my access to credit, increases my financial burdens, and causes undue stress and XXXX regarding my financial future. 

4. **Consumer Rights Violations** : The inaccuracies in this report violate my rights under 15 USC 1681e ( b ) as well as 15 USC 1681i , which allows consumers to dispute inaccuracies in their reports and requires timely resolution of those disputes. 

Given the severity of these issues, I respectfully request that XXXX conduct a thorough investigation into this account and take corrective action to ensure that my credit report accurately reflects my financial history. It is imperative that the necessary updates to my account are completed promptly, as my financial well-being depends on it. 

I appreciate your immediate attention to this matter and look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
We changed insurance companies during the year XXXX  and we provided the new insurance policy. The new policy was under our business name and Bank of America did not accepted. After working with our agent, we provided a new policy to Bank of America with our personal names on it. 

Bank of America kept asking for different dates on the policy so since they could not get everything on time they forceplaced insurance. The cost of the insurance was XXXX XXXX when we only owe XXXX XXXX on the loan and have never been late on the mortgage. 

I worked in mortgages for 10 years and never during my time we forceplaced an insurance that high. We believe the cost was outrageous! 

They finally received what they needed and they refunded part of the foreplaced insurance back to our account but not all of it even though we have not had lapse of coverage. As a result of this, our payment went from a {$1000.00} a month to {$2300.00} a month. The balance left on the loan is only {$31000.00}. 

I have called BOA 3 times already and everytime I called they asked for different information. We would like for all the money to be put back into our escrow account.

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 2024-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

Company response to consumer: Closed with explanation