vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
We were approved & all funds dispersed to Mr Cooper from NY State Homeowners Assistance fund on our mortgage # XXXX in XXXX of XXXX. We received proof from NYS that Mr Cooper was paid 3 paymentsthe first to bring our mortagage current, the second for 3 months of payments and the 3rd for another 3 months of payments ( 6 full months of advance payments ) This brought us to XX/XX/XXXX with a small credit to be applied upon us resuming our monthly payments. Instead, our funds from NYS were incorrectly applied by Mr Cooper ( toward principle ) and then reversed due to that misappropriation by Mr Cooper. Two payments were then never reapplied to our balance so we were being told that we had past due mortgage payments in excess of {$5000.00}. I have spent months on the phone talking to countless people to resolve this issue without success. Essentially Mr Cooper stole our NYS Homeowners Assistance Fund money and are now sending us letters saying we are in risk of foreclosure and we are over 175 days past due. I have sent countless documents of proof and even a line by line breakdown of how payments should have been applied and the line by line balance. After months of fighting with Mr Cooper to resolve this issue we still have not had the payments applied to our account and our risk of foreclosure letter has a must resolve date of XX/XX/XXXX. We are not in default on our loan and have made payments for the months of XXXX and XX/XX/XXXX but our HAF money has still not be applied. Months into this, they are now finally confirming from their end that the payments were indeed received from XXXX  our documents show. However, these funds from XXXX XXXX  have still not been applied to our account. My Cooper has not only stolen our NYS funds.they are also threatening foreclosure on our forever home we have lived in for almost 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I returned a rent to own shed and brought a bigger one from another company, AWA Collections filed information on my credit report that i owe XXXX XXXX XXXX XXXX {$6300.00} dollars, i have did a number of disputes and contacted AWA and XXXX XXXX XXXX about the situation, they have done nothing to removed this from my credit report.How can i owe money for something i returned in good shape, a rent to own.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
Incomplete or Inaccurate Documentation : I have not received any documentation from the creditor regarding the repossession of the vehicle in question. I am unaware of any legal proceedings or written notices regarding this repossession. 
Violation of State Laws : As per my knowledge of the applicable state laws, the creditor must provide written notice of intent to repossess the vehicle, as well as an opportunity to cure the delinquency before the repossession occurs. I have not been provided with any such notice, and therefore, the repossession may be in violation of the law.

Lack of Opportunity to Reinstate the Loan : I was not given an opportunity to catch up on the delinquent payments or to reinstate the loan, which could have potentially avoided the repossession. 
I kindly request that you investigate this matter and provide me with a written response outlining the results of your investigation. If it is determined that the repossession entry is inaccurate, I expect it to be promptly removed from my credit report. As a result of this incorrect information, my creditworthiness has been unjustly affected, making it difficult for me to obtain credit and negatively impacting my financial well-being.

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 2023-05-24 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: NY

Complaint narrative:
This company claims i opened a account with them XX/XX/2022 i sent multiple letters asking to state proof which all they sent was an itemized printout of what they claim is my account or billing statement, which is that printout does not represent verification.i feel this company keep violating my rights. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

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 2023-05-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have a XXXX XXXX XXXX XXXX XXXX account through Barclays. The account was opened in XXXX. I was given a credit line of {$14000.00}. I have always made my payments. I have XXXX children under XXXX so things can get tight and the card was basically maxed out for some time. Again, I still made my payments. On XX/XX/XXXX, I made a payment of {$14000.00} this brought my balance below {$2000.00}. I wanted to pay that large amount so we would have a credit card with a good credit line for emergencies. This is/was my highest credit line. Today XX/XX/XXXX, I received a letter from Barclays dated XX/XX/XXXX, after I made this enoumous payment that Barclays was reducing my credit line to {$2400.00}. I know they " base '' it on credit reporting or all the other made up things banks use, but this is a very dishonest, almost fruadulet way to do business. Barclays had plenty of time to reduce my balance well before I paid $ XXXX. But, NO! As soon as I pay that large amount Barclay 's drops my credit to basically nothing in the case of an emergency situation. I only paid such a large amount to one card specifically to create a safety net for my family. If I would have know this is how they conduct business, I would have probably done things much differently with that {$14000.00}. I had to jump through hoops with the banks to even get that money. It was a home equity loan. What they did is not right and I know Barclays has all the proper responses. But anyone looking at this at face value would agree that what Barclay 's did was wrong. I feel as if they stole {$14000.00} from me. Please advise if I have any recourse. This just is not right.

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 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am having issues with getting errors fixed on my Transunion credit report. I notified them on several occasions and they illegally verified the information without providing proof and continue to report it even though they have all the required documentation that proves that it is wrong. They are basically giving me the run around and sending the same response. I feel I have no choice but legal action against them.

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 2023-05-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SD

Complaint narrative:
This is a complaint about a past issue with Wells Fargo Bank in XXXX XXXX, XXXX XXXX back in XXXX. I recently seen a complaint on the internet about them and wanted to be included. What they are got fined for happened to me. I never heard anything from anyone. This is regarding XXXX. I was an employee at XXXX XXXX in XXXX XXXX and lost my job, then after a few months was unable to make mortgage payments and fell behind. I contacted Wells Fargo and applied for the home modification program ( HAMP ) to try to restructure my loan to stay in my home. I had already started to receive foreclosure documents. After I applied for HAMP, sending all necessary financial paperwork required, the Wells Fargo underwriter that reviewed my HAMP information called me and stated that I did not qualify for HAMP because he said, " you don't qualify because I think you really don't want to stay in your home. '' I received letters from Wells Fargo that I can stay in home if I pay the balance on mortgage of around {$96000.00}. I was unable to pay this so I lost my home to a foreclosure. It felt like Wells Fargo wanted my home. Then because of the foreclosure my credit tanked for about 7-8 years. I didn't know of CFPB at the time, so just moved on. Is there any recourse?

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 2023-05-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Bank of america holding up a sale of a property that they once held the morgage too. 

since it was a home purchased though the VA, bank of america was required to provide a deed of conveyance back in XXXX sadly they never did and after paying this house off, i cant sell it. 

i been advised to hire a litigation lawyer as this problem is now going 6 weeks before i do that, i thought to contact bank of america to see if i can get them to provide what is needed, sadly all i get is dead ends. 
with no end in sight

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 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX  XXXX, XXXX XXXX XXXX , 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 a account without my written instructions

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 2023-05-24 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX , 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
The Bank and the credit report agencies are INACCURATELY REPORTING the following account : COMENITYCAPITALBANK/ULTA # XXXX XXXX XXXX XXXX XXXX, OH XXXX, they have not conducted any investigation on this matter and claim it belongs to me without giving any proof of that, because it does not belong to me. I have sent several request to resolve this to the Bank and the credit bureaus but they are still reporting the account as mine and hurting my credit and creating emotional distress because that situation because Negligent actions. I want to see this IMMEDIATELY DELETED FROM MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my XXXX, XXXX, and Transunion Accounts. 

The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately.

Thanks so much! 

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 2023-05-24 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: MO

Complaint narrative:
My name is XXXX XXXX XXXX XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my Equifax, XXXX, and XXXX Accounts. 

The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately. 


Thanks so much! 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX SSN XXXX XXXX XXXX I had an account with XXXX ( XXXX XXXX XXXX ) that was reported delinquent on XX/XX/XXXX. 
The account switched hands to a third party collection agency XXXX account in XX/XX/XXXX. 

The account still shows negatively on my XXXX, Experian, and XXXX Accounts. 
The limit posted by the CFPB for reporting delinquencies, and lates is 7 years.

Please help to remove and expunge this debt immediately. 


Thanks so much! 

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 2023-05-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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/XXXX 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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  15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-24 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: NC

Complaint narrative:
XXXX XXXX XXXX, d/b/a XXXX XXXX has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected XXXX XXXX and XXXX XXXX as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.

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 2023-05-24 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: NC

Complaint narrative:
XXXX XXXX XXXX, d/b/a XXXX XXXX has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected XXXX XXXX and XXXX XXXX as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX, d/b/a XXXX XXXX has negatively impacted my personal finances in addition to negatively impacting my credit scores without justification. This has caused substantial harm over the past decade and also negatively affected XXXX XXXX and XXXX XXXX as a result of their gross mishandling of my account with them or even negligent attention to correct misapplied payments and at time charging double while carrying over late fees over multiple years without applying payments to the principal. To this day the continue to miss report on my personal credit report a derogatory statement of late payments even though they have accepted payment in full, this comes after having successfully complete XXXX XXXX Bankruptcy and the firm during that time having employees incessantly calling me for monthly payments after the program was completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted XXXX regarding this issue on more than one occasion. XXXX XXXX also stated that they submitted a letter via electronically.

Company response to consumer: Closed with explanation