vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. XXXX was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that XXXX will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. XXXX in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to XXXX and all credit bureaus with the information to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX was contacted to settle an account due to a life hardship. They agreed to settle the debt for less and provided the amount and payments to be made over a period of time. In the meantime, I was advised that my balance would be reflected as the amount settled and the payments would reduce the amount. XXXX was contacted in XXXX for settlement a second time in mid XXXX to correct the reporting issue as it has been over 30 days which they advised would be the time needed to report to the credit bureaus. When I contacted them on XX/XX/2022 when the payment did not come out of the account I requested help to report payments being made and that the balance was incorrect. 
At this time the representative advised me that XXXX will not report payments made and that the balance reduction would be for the full amount. This contradicts the agreement that was made and also does not show the monthly payments made. XXXX in addition reports the account as a charge off with no payments being made monthly. This further harms my credit and ability to move forward with my need for credit. In addition they are reporting incorrect information. 
I have reached out to XXXX and all credit bureaus with the information to be corrected.

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 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my licensed and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file

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 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: MA

Complaint narrative:
Some months ago a mortgage loan on a property owned by my wife and me was sold to a financial institution called Gregory Funding. Average wait times to speak to customer service are typically around an hour, making it extremely inconvenient to contact them. They have no email address that I know of, and their web site is extremely primitive and unhelpful. It provides almost no information at all. 

I'm on hold right now, once again, waiting to speak to somebody. There are 50 people ahead of me in line. At least once, on an earlier occasion, I waited on hold for more than an hour, and just when I finally got to the front of the line, the call was disconnected. 

All I need to do is cancel a regularly scheduled automatic mortgage loan payment for the month of XX/XX/2022, since I already inadvertently paid it through XXXX bill pay. 

This company is a disgrace. If they can not properly service their customers they shouldn't be allowed to acquire more mortgage debt from other institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I have a collection account on my credit report stating that i owe this company {$230.00} which is impossible as looking at the dates of their information I was in Jail this is not my debt and i am not responsible for this I have no knowledge of this. It is invalid and needs removed at once. This company is comitting fraud by reporting that i owe any money to them. I've NEVER had an account with them or the company XXXX that they are claiming the debt is from.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I was on on forbearance which ended in XX/XX/2021. I have decided to sell my house and Mr. Cooper has not filed claim with Hud and unless this is completed I can not receive HUD pay off statement. Every time I call Mr. Cooper nad have this escalated no one seems to know procedure further delaying my closing. Please I am begging for your help in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 severe 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

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 2022-02-16 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX without 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 XXXX has me at a score around XXXX. 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 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 XXXX 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 XXXX 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 homeless n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: OH

Complaint narrative:
The credit reporting agency did NOT follow the guidelines for notifying that a debt is disputed by the consumer. On XX/XX/2021 I disputed an alleged debt with EXPERIAN, ( original creditor XXXX XXXX ). I received a response on XX/XX/2021. 

This complaint is not concerning the determination of said dispute. Instead, this complaint shall address the failure to update a notice on consumers report that said account has been disputed by consumer. 

Below is two violations that EXPERIAN is in fault of. 

FDCPA 807. False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

FCRA 623. 
( a ) ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

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 2022-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XX/XX/XXXX email sent to attorney that originally helped me with this case back in XXXX : I received a call today from an unknown number, so my phone automatically sent it to voicemail. On the recording I was told that it is an attempt to serve me and that legal action is currently being taken against me. I initially didn't think anything of it because, like many of us, I've been receiving an increased amount of spam calls. Not five minutes later, my Mother sent me a text message and a recording she received from someone looking for me in an attempt to collect. 

It is at that point that I called the number that was left on both of our voicemails. The gentleman that answered the phone told me, after I gave him my case number, that it was Citi Bank from a card I had with them back in XXXX. I expressed my frustration with them calling someone other than me and to my knowledge that was still illegal, to which his response was that it is not. 

He then told me they are trying to serve me papers, my total debt owed is {$930.00} and any other questions I may have will be answered in court. 

Since you last helped me with this case, I have not received one phone call or any written correspondence regarding this matter. The case number is # XXXX, phone # XXXX. Additionally, I have checked all three major credit reporting institutions and none of them reflect this alleged debt or amount. 

XX/XX/XXXX : both my mother and I received another call today re : same CitiBank attempt to collect a debt via XXXX XXXX XXXX. When I expressed to the rep ( XXXX ) that what they are doing is illegal and that I would now be filing a complaint with the FTC, she started asking more questions about my case and at that point I just hung up. Phone # they called from is XXXX, case # XXXX. 

I had communication with my attorney, XXXX XXXX XXXX w/ XXXX, XXXX  XXXX on XX/XX/XXXX, at which time he advised me to not engage as it was a scam.

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 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I had posted a XXXX XXXX and equipment for sale on XXXX XXXX on XX/XX/2022 for a total of {$3500.00}. I had a person by the name of XXXX XXXX message me on XXXX messenger stating he was interested. He stated that he would like to buy the camera and would send me money thru XXXX ( which I have never used before and I saw it on my Wells Fargo App so I thought it was a trusted site ). I received a fake email ( at the time did not know how XXXX worked and the email I had received looked very professional ), stating that I had a pending amount and would just have to ship out my camera and verify tracking number then the amount would deposit into my account, the money never came. I then received another email from XXXX stating that because of the amount of money, the buyer of my camera would have to send me an extra {$800.00} to open up a business account, so the buyer and I agreed that he would send {$800.00} extra ( which I received another email stating that the money was pending, I would just have to then send the {$800.00} back to a XXXX XXXX, and the money would be deposited into my account ). So I initiated the transfer of {$800.00} to the buyer on XX/XX/2022. And the money never came into my account. I received another email stating that I would have to send another {$500.00}. At this point, I now realized that I was being scammed. I called XXXX, explained my situation. They stated that it was a fake email, this was a scam, but there was nothing they could do but report the account I had sent money to. I called my Wells Fargo Security and explained what was going on and I filed a dispute right away. The Wells Fargo rep stated that I should have no problem getting my {$800.00} back. I waited 10 days for the claim to be processed, and I got a letter stating that there was nothing they could do about the {$800.00} I had sent. I called back again to Wells Fargo and reopened my dispute and told them I had filed a police report and everything. I told them that XXXX had reported the account that I had sent money to and that account is now unregistered with XXXX. I just received another letter from Wells Fargo stating that because I authorized the transaction, there is nothing they can do. For a company that I have been with for 10+ years, I feel as if they should help me out. I would have never authorized the transaction, had I known I was getting scammed. So now not only am I out {$800.00}. I also shipped my XXXX  and equipment that I was selling for {$3500.00} with no possible way of getting that back. Please help me out.

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 2022-02-16 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: NJ

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2022, my checking account was charged a total of {$140.00} over-draft fees ; Beginning balance on this date was Beginning Remaining Balance Balance {$160.00} $ ( XXXX ) {$99.00} $ ( XXXX ) {$79.00} $ ( XXXX ) {$52.00} $ ( XXXX ) {$2.00} $ ( XXXX ) $ ( XXXX ) I agree my account was over-drawn when the {$60.00} posted, but Truist Bank charged my 4 times. 

This is " unfair practice '' and Truist Bank should be held liable for the fees and damages. In addition, I was on hold almost a hour, unacceptable customer service.

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 2022-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX IS STILL REPORTING THIS ACCOUNT TO MY EQUIFAX REPORT WITH OUT VERIFYING THIS ACCOUNT WITH PROPER AND SIGNED DOCUMENTATIONS BE AWARE THIS COMPANY IS TRICKY AND TRY TO COLLECT MOENY YOU DONY OWN THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I submitted a complaint almost 1 year ago for the illegal foreclosure nationstar did on my home in XXXX after I became XXXX from XXXX XXXX in XXXX. They violated federal regulation code XXXX exclusion and did not offer any foreclosure alternatives. They took over {$3000.00} for a reinstatement in XXXX that was never applied or accounted for. They did not serve any documents legally or correctly and did not sell the home but instead took it back, locked me out and then sold it for nearly {$40000.00} more than I owed. They claimed incorrect balances owed and did all of this while I was under modification. All these agencies just say there is nothing they can do and that's after they let nationstar investigate their own misconduct which of course they found to be correct. None of this helps anyone because the CFPB and THE D.F.I. side with the ones doing this to people who can really say " there's nothing we can do ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
They call none stop stating I owe the 16,000 and desist has been issued

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
I paid {$500.00} on my personal property taxes to the XXXX XXXX treasurers office, on XXXX. NewRez never reflected that this payment was made. Their third party company paid {$1900.00} on XXXX. The third party company said that they told New Rez this. We have called New Rez more than 8 times trying to get this corrected and they tell us that they will research and call us back and never give us a call back. I have faxed a copy of the check and statement from the Treasurers office and we still have not any results. We paid the {$500.00} and we need to get credit for it. The name of third party is XXXX XXXX  and this is what they sent us. 
-- -- -- -- Original message -- -- -- -- From : XXXX XXXX Date : XX/XX/21 XXXX PM ( XXXX ) To : XXXX XXXX ' XXXX Subject XXXX XXXX : XXXX Property taxes Good afternoon, Thank you for inquiry, we have verified your request and we have notified the lender about the payment advised them to take the required action on the payment. 
parcel # XXXX XXXX customer product support

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation