vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I refer to my earlier complaint # XXXX and the Mortgage Service Company 's response, which is attached. 

It is alarming that the Mortgage Insurance company " XXXX XXXX '' is engaging in two confusing tactics in order to achieve foreclosure on this property : 1- On the one hand XXXX states that it will not approve a short sale because I had purchased another home prior to default. 
2- On the other hand, XXXX engaged in the short sale negotiations in XX/XX/XXXX and stated it won't accept less than {$390000.00}. 

XXXX XXXX is negotiating in bad faith. It can not hang its hat on the rationale that I ( the borrower ) am ineligible for a short sale loss mitigation because I bought another home prior to default, and in the same breath provide a counteroffer of {$390000.00} to the {$380000.00} buyer offer. Furthermore, Mr. Cooper has done its own independent appraisal which valued the house at {$380000.00} in XX/XX/XXXX. 

On the issue of defaulting on the payment after I purchased another home. This is totally coincidental. I had vacated the property in question - the Maryland  Property - in XXXX of XXXX. The property has been rented out to at least 3 tenants until XXXX of XXXX. In XXXX of XXXX, I moved to Florida  in search of a lower cost of living and was able to find employment and bought a primary residence which closed in XX/XX/XXXX. After my last tenant vacated in XXXX of XXXX, I re-listed the Maryland  Property for rent and continued to pay the mortgage for XXXX, XXXX, and XXXX of XXXX. I had no intention to default. Unfortunately, we could not find a new tenant - this is all documented. So, the claim that I purchased a home and decided to default after that is bogus and sophomoric - it is all coincidental. I have documents to prove that I re-listed the house for rental and or sale and continued to pay the mortgage for 3 months in hopes to attract a tenant. 

XXXX can not use the rationale of my having purchased another home before defaulting. The XXXX Property was rented out for 6 years before the default. I had moved to two different states in search of employment ( California  and Florida  ). My last tenant just happened to move out at the same time that I purchased a home. I did not purposefully default. 
As for the counteroffer price of {$390000.00} it is not achievable. The price offered of {$380000.00} agrees well with the independent appraisal completed by Mr. Cooper in XXXX of XXXX which valued the home at about {$380000.00}. Other real estate valuations were done and show a market value of {$370000.00} to {$380000.00}. These other opinions were also forwarded to Mr. Cooper. 

Mr. Cooper as a fiduciary agent of XXXX should reach into XXXX 's upper Management and request a realistic review of this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: First Advantage LNS Inc.
State: NV

Complaint narrative:
Contacted company as of XX/XX/2020 asked to receive original bill to verify this debt is mine. Company stated they do not have an original bill so how could this debt be mine? I would like to receive my original bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I bought some shoes from XXXX which I returned back to them. Per the XXXX  tracking number, XXXX, a warehouse employee signed for the shoes. XXXX claimed they didnt receive the shoes. I provided the tracking number which they claimed wasnt working. So I disputed with my credit card, Bank of America. I provided tracking number to BOA as well. 
They issued a temporary credit, pending the investigation. I checked my card Friday and noticed Bank of America reversed the credit. all I can do at this point is provide tracking, which I thankfully saved. 
Its deplorable that Bank of America doesnt believe in putting the work in and investigating during disputes. There no reason my credit shouldve been reversed. 
Ive been calling them since XXXX, and been on hold. I understand theres a pandemic. If theyd done their due diligence, I wouldnt be in this predicament.

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 2020-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There is a collection account on my credit report from XXXX XXXX XXXX in the amount of {$460.00}, this account shows it was open in XX/XX/2017. I have disputed this account several times with certified letters explaining that I have no knowledge of this account nor any other business with the original creditor Capital One. Ive called several times to dispute Ive also sent certified letters to each of the bureaus with no response in regards to this fraudulent account getting resolved please help to have this Fraudulent collection account removed from my credit report, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made by me.

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 2020-03-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions Please remove all accounts which are not belong to me or any transactions made by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX  XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-23 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I have been trying to add a statement to all 3 credit reports but they freeze up and don't go through online. Getting through on phone is impossible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been trying to add a statement to all 3 credit reports but they freeze up and don't go through online. Getting through on phone is impossible

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 2020-03-23 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX   XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I created a TransUnion account and logged in on XX/XX/2020 to try to access my one free annual credit report. I looked at different pages on the website, could not find where or how to access my free report, and logged out and left the website. I did not click to purchase anything. 

I then received an email on the same day, XX/XX/2020, with a receipt for a subscription product -- I was billed an initial charge of {$24.00}, and the email says I would be billed that amount monthly. The product I was billed for was " TransUnion Report, Score, and XXXX-Bureau Credit Monitoring. '' I did not purchase this, nor do I want this service. 

I tried calling customer service to dispute this claim on Sunday XX/XX/2020, but their hours are Monday-Friday only. I called twice at different times on Monday XX/XX/2020, and heard an automated message with instructions on how to cancel my subscription by logging into my TransUnion account ( which I did ). Both times I called, I was told by an automated message that no representative was available to take my call. I was not given the option to remain on hold or provide a call-back number, the call was simply terminated both times. 

I would like to dispute the charge of {$24.00} I was billed, since I did NOT purchase this service. Thank you for your assistance.

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 2020-03-23 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Experian is reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lateS is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Contacted Bank of America on XX/XX/XXXX after receiving email about unusual activity on my credit card for amount of {$99.00} XXXX XXXXBank of America puts fraud despute on wrong transaction ( XX/XX/XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX {$10.00} ) .Called back 4 times, was on hold 30-45 minutes every time, fraud specialists told me that they will take care of mistake and credit my account until investigation is over.Bank Of America closed case without explanation or contacting me and I have to pay {$99.00}. 
Transaction Details Merchant Name XXXX XXXX Amount {$99.00} Posted Date XX/XX/XXXX Transaction Date XX/XX/XXXX Ref # XXXX We're letting you know that we've detected some unusual activity on your Bank of America credit card on XX/XX/XXXX. For your security, please verify the following transaction ( s ) so that you can continue to use your card. 

Do you recognize all of these transaction ( s )? 

Declined transaction at XXXX XXXX for {$1.00} on XX/XX/XXXX Approved transaction at XXXX XXXX for {$99.00} on XX/XX/XXXX Approved transaction at XXXX XXXX for {$1.00} on XX/XX/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 monetary relief
Consumer complaint received 2020-03-23 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: EQUIFAX, INC.
State: AR

Complaint narrative:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay things opened under my name. These fraudulent items are not mine. Please remove them from report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I have the card on autopay to pay previous statement balance. In XXXX I had an opportunity to pay the balance from another source and sent them a check for {$560.00} on XX/XX/2020. Nevertheless, they also charged me again $ XXXX and now I have a credit balance. In addition, because of their double billing, I was charged a {$10.00} fee from my bank. I demanded repeatedly they return excessive balance plus {$10.00} to my bank through ACH, exactly the way they double billed me. They are playing XXXX, responding by meaningless messages to my demands and being openly rude and obnoxious when I call them, including the supervisors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: FL

Complaint narrative:
ATTEMPTING TO COLLECT ON A DEBIT THAT IS NOT MINE/INACCURATE. DELETE, REMOVE AND DO NOT REPORT, RE-POST OR SELL. SEND PROOF OF CONTRACT BETWEEN ME AND COLLECTION COMPANY

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 2020-03-23 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: SC

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT I HAVE MADE IN THE PAST. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT. IT IS CLEAR TO ME THAT SOMEHOW THESE ACCOUNTS ARE ALL FRAUD RELATED. THIS SITUATION HAS CAUSED A GREAT DEED OF STRESS ON MY CREDIT AND TO ME PERSONALLY. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have reached out to Equifax, XXXX  and XXXX  six different times in regards to having two bankruptcies removed from my credit report. Dates being XX/XX/XXXX and XX/XX/XXXX Certified letters were sent from my doctor explaining that I have XXXX and XXXX  which affects my decision making at times. These bankruptcies were filed when I was ill and my medical conditions were beyond my control. I explained to Equifax that there was no balance on each of the bankruptcy because they were never completed do to my being ill at those times. Even with all of my certified letters from my doctor and from the bankruptcy court, Equifax refuses to honor and respect my medical condition and have these XXXX balance items deleted it from my credit report please assist and having these items deleted and removed from my report so that I can move forward with my life now that I am well. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/2020, I found out that my savings account ( s ) were restricted. After waiting nearly an hour, the Synchrony Bank representative ( XXXX ) advised me that they needed an updated documentation that reflects my new address to unfreeze the account. 

That said, the only way the bank would permit inbound correspondence with the supporting documentation was via fax. In this day and age, and in the current pandemic this country is facing, no exceptions were granted - people need access to their accounts, but to risk these people to go against governor orders to go outside and fax documentation is absolutely ridiculous. Their policy inflexibility only risks further exposure and further spread of COVID-19. 

This is particularly troubling for a bank that promotes itself as a " digital '' bank.

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