vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Home loan transferred servicers during the home sale closing period. Purchaser title agency wired mortgage payoff amount in the period of XX/XX/XXXX - XXXX, {$300000.00} including 7 days per diem interest, to loan transferrer ( XXXX XXXX ) on XXXX. Loan transferrer then sent the funds to transferee Mr. Cooper and funds were received XXXX. Mr. Cooper sat on the funds for an additional 5 days ( XXXX ) then requested more funds on XX/XX/XXXX. {$370.00} in interest fees and {$64.00} for a late fee. Requested additional funds were wired to Mr. Cooper to avoid additional interest fees and delaying the home sale closing process. All parties paid funds on time therefore there should be no additional interest or late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

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 2022-03-16 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Went to XXXX dealership to inquire about a vehicle, I authorized them to only do a hard pull once to see if I qualified to get a vehicle financed through the dealership only. The date of this was XX/XX/2021. I have already tried to reach out to the credit bureaus and they told me that they could not do anything because it was not illegal. 

Company name - XXXX XXXX XXXX address - XXXX XXXX XXXX, XXXX, NC XXXX Company contact - XXXX ) XXXX Inquiries that I did not authorize on my report are listed as Date : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/2021 XXXX XXXXXXXX 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

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 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affiliated Management Services
State: NC

Complaint narrative:
XXXX and Affiliated Management have continued collection activity despite not properly obtaining and mailing debt verification after a I've exercised my 1692g rights. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation requests from a consumer, to cease collection of debt until the collection agency obtains verification of debt and mails it to the consumer. They have also been advised they are in violation of the Notice of Proposed Procedures for Charitable Hospitals to Correct and Disclose Failures to Meet Section 501 ( r ) of the Affordable Care Act. Furthermore, I have never signed a Hippa release form with the below alleged creditors. Therefore these are inaccurate Hippa violations and I want them deleted immediately. Hippa laws protect my personal medical information from being used without my personal consent and you are now aware of these Hippa violations delete immediately. Account Name Account Number Balance Monthly Payment AFFILIATED MANAGEMENT Reported : XXXX XXXX, XXXX {$430.00} Balance {$430.00} Highest Balance {$430.00} Opened XXXX XXXX, XXXX ( 3 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by PURCHASE or ASSIGNMENT, and authorization under subtitle D of the ARRA, SEC, 13401. APPLICATIONOF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 
The term " breach of security '' means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Both of my credit card accounts and checking account were closed by the creditor. I was not properly notified of this there was no investigation or any valid explanation as of to why my account was closed. The account in question is the secured card that I opened with my own funds of {XXXX}. They chose to close my account when i contacted the creditor their reason was due to fraudulent purposes but as of now there was no explanation of what fraud took place. I opened this account online and transferred the funds from my checking account that I had with them. I had about XXXX dollars on my checking account with them as well. They closed both credit card secured, non secured and checking account. As of now I have not been refunded any of my money. They canceled every and all relationship with me. Now they are reporting that I owe them {XXXX} for a secured card that I opened using my own funds as well as the the {$XXXX} balance on my unsecured credit card. I am requesting that the account be removed from my report also I am requesting a full investigation of the reason why my accounts were closed before I seek counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX has been sending mail to an address I have never lived at. The person who lives there I believe has the same last name as I do. They never notified me of a lawsuit, I just happened to find it searching my own name in state databases. I have petitioned the court to deny their request for a default judgement. The court denied their request for default judgement. They have not filed any further paperwork with the court to proceed with case. However, they continue to report this account to my credit report prematurely. The court has not order them any judgement and I dispute all paperwork associated with this account. They have not responded to my demands for validation of debt in XX/XX/2022 or XX/XX/2022. They have not responded to the credit reporting agency dispute dated XX/XX/2022. 
I have disputed this account with all credit reporting agencies with documentation from the court website showing the court shows XXXX balance due.

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 2022-03-16 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: PENNYMAC LOAN SERVICES, LLC.
State: OR

Complaint narrative:
I was not late on my PennyMac mortgage for XX/XX/2022. I submitted payment before it was a full 30 days. Please see my attached document as proof. Please rectify this late payment as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
There was a double charge on my credit card - The situation is as follows : I stayed at XXXX XXXX and they charged me XXXX at the restaurant. Except they charged to both my card on file with the hotel and this capital one credit card. I opened a case with Capital one ( XXXX ) and provided all the information requested including the receipts and clearly stated the issue. I then received a letter saying I did not provide the information requested and case is closed. I would like this to be re-reviewed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
Received a bill for a indigo credit card which i never applied for and was charged fees for a card i don't have and account i never started

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021 I tried to cash a check at the B B & T Bank ( now Truist Bank ) in XXXX, GA and was told by the teller that that check number had already been cashed ( fraudulently ) for {$4600.00} and while I was with the bank manager checking on the fraudulent check cashed against my account another check for approximately {$4800.00} was being cashed from my account fraudulently at that very moment.

The bank manager, XXXX, advised me to close the old account and open a new account which I proceeded to do at that time with him. He said the bank had their investigators that would take care of the problem. They did finally replace my {$4600.00} after about 60 days, but they still have not replaced my other monies and we are almost 90 days out from the fraudulent claim being registered with Truist. They tell me every time I call about the investigation that they are still working on it. I left a message today for him to call me and update me and he never called nor did XXXX XXXX who the message was also sent to. 

They are jeopardizing my financial stability. I want to solve this quickly without problems but they are leaving me in a situation where I feel that I have to register a complaint with the Secretary Of State and with the advice of my attorney follow whatever directives they guide me to act upon.

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 2022-03-16 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: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now

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 2022-03-16 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CITIBANK, N.A.
State: SD

Complaint narrative:
On XX/XX/2021. I had previously lost my job of employment. I opted into my credit protection plan that I pay for monthly with my XXXX XXXX Credit Card Account. I have had many complications with the company in the past. However, I do strive to have a good business relationship with them, and to keep my account in good standing. Some miscommunication occurred recently on both my accounts. I was informed that I was mailed out forms to fill in regards of my loss of employment. I'm not sure what the letter stated as I never did receive the letter in my mailbox at the address, I have on my credit profile. After I did not receive the letter XXXX XXXX Credit Card went on to report delinquency on both my credit card accounts. After I have been enrolled in credit protection on both my accounts for only XXXX to XXXX days. I do not understand why they needed the same information I had just provided to them again in such short period of time. Due to me not receiving the letters sent in reference to my credit profile my XXXX XXXX dropped XXXX plus points and is now in the red on both my credit card accounts. This has also affected my other credit card account with their carelessness. My Macy 's credit card is one of my best credit card accounts that help boost my credit score and keep my credit healthy. This account has been compromised due to XXXX XXXX carelessness on both my credit card accounts. Due to XXXX XXXX negligence my XXXX 's account was compromised after being in good standing for years. My credit limit was dropped due to the information XXXX XXXX Credit Card company reported inaccurately. I am having to work now to try and get my account at XXXX 's back to the way it was at first before the neglect XXXX XXXX has acted on in regard to my credit report accounts.

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 2022-03-16 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:
I have been disputing the same incorrect and incomplete information in the consumer file and consumer reports concerning me since XX/XX/XXXX. I sent follow up dispute letters on XX/XX/XXXX and XX/XX/XXXX. It is now XX/XX/XXXX, and Equifax has failed or refused to send me investigation results. Equifax has also refused or failed to delete information that I have provided proof of documentation as being incorrect. 

The Fair Credit Reporting Act requires Equifax to ensure maximum possible accuracy in the information they compile and include in the consumer file and consumer report concerning me. The accounts I've disputed clearly have errors and are inconsistent from one credit reporting agency to the next, so no one can provide accuracy on those accounts. There's even companies whose names do not exist and are not registered to do business in the State of California, and therefore, must be deleted because I have no legal redress against them. They can not be served with a summons or complaint. I've tried locating their addresses and have not been able to. Equifax has not provided me with their addresses. If they do not exist, Equifax has no way of contacting them either, and the deletion of these tradelines should have happened months ago. 

Equifax is willfully and intentionally in direct violation of the consumer protection laws and I am being damaged daily. I am suffering from defamation of character, being denied access to credit I would otherwise qualify for if it weren't for the incorrect and incomplete information, and I feel harassed by Equifax 's failure to comply with the United States Code, Fair Credit Reporting Act, Code of Federal Regulation, and federal and state consumer protection laws. 

I demanded Equifax provided me with a physical copy of the full disclosure of the consumer file concerning me pursuant to Fair Credit Reporting Act 609, and Equifax has failed or refused to provide it. I sent this demand to their registered agent for process of service, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX to ensure that they received it. Notice to agent is notice to principal, and notice to principal is notice to agent. Therefore, Equifax has received my disputes and 609 disclosure demand, and I have proof of it. 

It appears that Equifax HAS IGNORED EVERY DISPUTE LETTER I HAVE SENT THEM.

Company response to consumer: Closed with explanation