vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I filed Bankruptcy in XX/XX/XXXX and Nationstar put in a Claim for Nationstar as Creditor then XXXX XXXX XXXX XXXX XXXX XXXX  as creditor. Then claim was denied because they did not have accurate information. I reached out to XXXX XXXX XXXX XXXX XXXX to check to see it they were the creditor and they said they have no affiliation with my property ( XXXX ). Then XXXX XXXX XXXX XXXX shortly after Recorded an assignment to Nationstar so who was Nationstar servicing the loan For. If Nationstar is the servicer, who are they servicing loan for was the question then. Nationstar said they assigned it to XXXX XXXX XXXX what are they servicing if XXXX XXXX  assigned it and no affiliation to property ( XXXX ) Now XXXX XXXX just did another assignment to XXXX XXXX XXXX  XX/XX/XXXX No way if they assign it in XXXX. XXXX XXXX I need an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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:
Equifax refuses to abide by the laws put in place to protect consumers. I am at the point of seeking and obtaining legal representation to help with this matter. I have sent XXXX dispute letters to them directly requesting proof of the inaccurate accounts listed on my credit report. I also submitted proof that my personal data and security information has been compromised in the Equifax data breach. My most recent letter was mailed XX/XX/XXXX, again requesting proof or that they permanently removed the inaccuracies. To date I have yet to see any accounts removed, have not received any proof of accounts or contracts bearing my signature, nor any correspondence from Equifax that my request had been received. According to the XXXX I have the right to receive proof of debt if I am disputing its validity. Equifax continues to purposefully and maliciously break the law. They continue to report information that can not be verified. My credit history is blemished with false information and they refuse to comply with the laws set before them. I am honestly really tired of having to suffer financially because of this. My next recourse is to hire legal consul and ask that not only this information be permanently removed but that I be awarded damages for the trouble this has caused. And furthermore it appears that CFPB is also not forcing credit bureaus to abide by the laws set to protect consumers. I am at my wits end and I need you all to actually help and not allow Equifax or any other credit reporting agency continuously and purposefully not follow the law. I want these items removed promptly. Equifax has continuously disregarded time frames set and does not adhere to the laws set by the XXXX. I will not give up until this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
{$5000.00} were fraudulently taken from my Citibank checking account and a claim was filed with the Fraud department at Citibank. When the claim was filed I was told by the Citibank representative that it would take 45 days to do the investigation and my account would be locked which would not allow me to access any funds or process any transactions. I was told that deposits could still be made to the account, however when I tried to deposit money at the atm it did not allow me and I got a message saying the account was locked. 

At the time of filing the claim, the representative also suggested that a new debit card be issued and cancel the old debit card, the representative stated that once I received the new debit card I could also update my online password. I have not been able to update my password as the account is blocked for investigation. 

After less than 30 days since my claim, I received a letter stating that the investigation of the dispute had been completed and that Citibank was denying my claim because they determined that I authorized the transaction. 

As you can imagine I was livid and upset beyond measure, not to say the state of panic I was in losing {$5000.00} from my account. I called the dispute department at Citibank at the number on the letter which stated You are entitled by law to obtain copies of the information used in our investigation. I requested the details of the investigation and the representative could not find any details noted in the account. They did not have anything to support their investigation or reason for drying my claim. 

For the appeal, I faxed a set of evidence to support my claim, it included a police report for the identity fraud and cybersecurity fraud. Again Citibank has denied my claim stating they maintain their position to deny my claim. It has now been over two months fighting this with Citibank and my account is still blocked and I have not gotten my money back. I have spent countless hours on the phone calling customer support, the fraud department, the disputes department, I have gone into the Branch to speak to the manager to see if they can help. The manager has been compassionate and has guided us but cant do anything they keep directing us to a phone to call customer support. 

At this point I need the account to be unblocked so I can move my money to a different bank but no one can figure out how to unblock the account, this is so frustrating. They are holding all my funds now for no apparent reason!

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 2022-03-23 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am not legally responsible for this account, the creditor offered Covid assistance as part of the CARES ACT 2020. The creditor told me they would offer a repayment plan, and instead sent the account to collections. This is negatively affecting my credit report and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
This is a follow-up complaint to case # XXXX. This case is UNRESOLVED! Comenity has either reversed the credits or re-charged the account. 

I recently filed a complaint with your organization against Comenity Credit Card due to incorrect charges, including applied interest. In late XXXX and again in XXXX, Comenity responded to the complaint indicating that they investigated the situation and applied a credit to my account for the charge in dispute. After receiving the notice from Comenity indicating they applied a credit to my account, I logged into the Comenity online system to check my balance. At that time, I had a credit of XXXX XXXX  and some odd cents, and the account was closed so I was due a refund of that amount. I thought, finally, this nightmare is over. Today, XX/XX/XXXX, I received an email reminding me that I have a balance of {$780.00} on the account and I have a minimum {$30.00} payment coming up soon. I immediately called Comenity and spoke to XXXX different customer service representatives that could not tell me how I went from having a credit on this closed account to owing a balance of {$780.00}. I do NOT owe Comenity anything. It is frustrating that Comenity can continue to XXXX me with inaccurate charges and impact my credit if I don't pay. Any help you can provide is greatly appreciated. 

FYI, I have attached the notice I received from Comenity identifying the credit ( that was {$4.00} short of the actual charge ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act, Transunion, XXXX and XXXX has violated my rights. 

15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block .According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it and address used to open account ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXX XXXX XXXX REPORT NUMBER : 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 2022-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX {$180.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( XXXX ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( XXXX ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( XXXX ) and before the end of the period referred to in paragraph ( 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 2022-03-23 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: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Someone is inquiring about my credit score without my permission with Well Fargo. I would like my information don't be released unless I am contacted personal.

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 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
This matter relates to a mortgage modification that was completed last year ( 2021 ). I had a ( 3 ) month trial period from the months of XXXX to XXXX for the amount of ( {$1400.00} ). After completing this trial, my lender ( Rocket Mortgage , LLC ) presented to me a modification to my current mortgage. My new fixed monthly payment for 40 years would be ( {$1200.00} ). I accepted these terms by signing the mortgage modification. From XXXX of ( XXXX ) to XXXX of ( XXXX ), all my payments were made on time for the amount of ( {$1200.00} ). For the month of XXXX, my payments increase over ( {$200.00} ) dollars. After several phone calls to this lender to get clarity on this situation, I was told by a ( PMI ) specialist that my lender did not collect any ( PMI ) last year ( XXXX ) and that was the reason for my payment increase. I did not sign any documentation on my loan modification, indicating any such statements. Nor was there any documentation that stated my payments would increase in the month of XXXX for ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: KS

Complaint narrative:
My credit score recently went down XXXX points and the only derogatory item noted that changed is " Lack of Use of Credit Cards. '' My credit card usage is XXXX XXXX  after paying off all of my credit cards last year. I contacted Experian to inquire, and was told that they are not a licensed credit advisor, so they could not answer my question. XXXX for not using my credit cards seems like alot. How much would my credit score go down if I missed a payment? Additionally, I have a derogatory notation for length of credit history. My credit history is XXXX years. I am not sure how long is considered acceptable, but I would think XXXX decades are quite a long time. 
I guess my issue is if the credit bureau 's can't explain why someone's credit rating decreased dramatically, who can? They control the 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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My complaint is with J.P.Morgan Chase. Credit Card Division..This is somewhat of a follow up with previously filed complaint. On the XXXX of XXXX I made a payment to my credit card account with a {$730.00} check. They mistakenly only gave ne credit for {$700.00}. I called the bank the same day, they looked at my deposit and immediately confirmed that it was a mistake on their part. The check was clearly written, no problems with it being legible, and problem would be resolved. I SUBSEQUENTLY DID FIND OUT THE CHECK WAS ACTUALLY HONERED FOR THE FULL {$730.00}. ( I sent copy of bank statement proving this. ) I waited about a week before following up when I realized it hadn't been, It was at that point in which I am most upset about now. I have talked to no less than XXXX reps, all assuring me its being taken care of, but the few times I did reach payment/escalations Dept., it was horrible experience., Chase 's people there are rude and absolutely acted like they didnt want to be bothered., the 1st time I was told by a supervisor named XXXX, that this issue had been resolved as " CLOSED '', and there is not a thing Chase can do about it now. I was told by other reps in follow up calls that this is incorrect and they will escalate issue themselves. NEVER TO HEAR BACK FROM ANYONE!! NEVER HAVE! Today was the worst interaction of all, I called got to escalations XXXX, spoke with a rep named XXXX out of the XXXX call center and encountered the most unprofessional, rude individual I've ever dealt with. She said that investigation just started on the XXXX?????. I tried to get info but to no avail with this person. ( I will say that other reps, not in this department has been very understanding and was very surprised this was taking so long to resolve. ( Obviously its not about the {$35.00} but the terrible way Chase treats its customers. 
I have been a chase customer for 20 plus years. Average annual payments made are roughly {$100000.00} and never have been late once. I will obviously be closing this account as I already have done with two others. ChASES ability, or I should say inability to timely correct a error made by them is inexcusable. The run around and mis-information that I have had to deal with is equally inexcusable.. I have posted to countless social media sights of my experience. I am truly considering a more formal complaint and possibly legal action for this refusal from Chase to Timely corr3ect their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23 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:
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 explanation
Consumer complaint received 2022-03-23 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: CA

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 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 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I paid {$100.00} to destiny XXXX on the XXXX of XXXX. If cleared my account on the XXXX of XXXX. It is now the XXXX and my credit limit has not increased to show the payment. The payment has not been pending since the XXXX of XXXX and I still do not have it as available credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Central States Recovery claims I owe 2 separate medical accounts. One for {$390.00} and one for {$52.00}. At the time they contacted me I immediately disputed the accounts for two reasons, I should have no balance with the office where I was seen as I was a cash pay patient and paid upfront upon arrival for all services rendered in the building including the separate account they claim I owe for {$52.00}. The second reason would be that the doctor I saw was on an emergency basis and he also completely XXXX me due medical negligence and I have sought legal assistance in the matter, have needed to switch law firms and yet am still within the statute of limitations for bringing action against said doctor. However instead of verifying the account and proceeding with the matter in a professional, legal, and productive way, as punishment for requesting validation and proof of how I could owe this money they claim, they immediately reported these accounts to XXXX, XXXX, and XXXX. They also do not have them reported as medical. When they first contacted me, I requested validation of the debt in writing and they failed to do so within 30 days or at all. I then requested an address at which they can receive certified mail so that I can have additional proof their company received my correspondence and they would only give me the address of a po box . I did send them an extensive request for validation as the amounts have already been paid, I also sent it with proof you sent service from the post office. I did this multiple times and have never received the requested validation and as such they continue to report monthly to XXXX, XXXX, and XXXX. They have allowed for me to dispute this information but instead of sending me the validation I requested via mail they continue to report this information as accurate. There have been multiple violations to my rights as prescribed by FDCPA, and all of my reasonable attempts which have been on a recorded line personally and or fully documented have been met with counter attempts to handle the matter reasonably or by law. As such they have destroyed my credit and continue to do so as these are genuinely my only negative accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX  ), has violated my rights. 

15 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 an account without my written instructions.

Company response to consumer: Closed with explanation