vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: MS

Complaint narrative:
I am a natural person ; I am a living human being. I have rights under 15 USC 1681. Transuion is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and did not give Transunion written permission to furnish these accounts. 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 2023-04-21 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: W&A Intermediate Co., LLC
State: NY

Complaint narrative:
I sent Wakefield and Associates LLC by certified mail a cease and desist letter on XX/XX/XXXX ; telling them that I have no desire to settle any disputes with them I will go directly to the creditor XXXX XXXX. I sent the letter to their headquarters in TN which arrived on XX/XX/XXXX and their OH location which arrived on XX/XX/XXXX. I made it clear that they are to cease all communication oral and written. On XX/XX/XXXX XXXX from Wakefield and Associates contacted my husband and left a message to call him at XXXX. I also put in a dispute with the credit bureau and the firm refuses to remove this collection debt from my credit report. I am requesting the derogatory remark be removed from my credit report asap and that the firm ceases all communications with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XXXX XXXX  I cashed in XXXX points as an account credit which should result in roughly a {$61.00} account credit. The points were deducted however the account credit has not been applied. I have called commentary bank at least 5 times and put in a dispute. I have been given the run around amd a different answer every time ranging from it takes 60 days to you will see it on your next billing cycle which Im now in. I would like my account credit as earned In previous times when I redeemed points it showed up in 24 hours

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21 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: AL

Complaint narrative:
Over the course of a year I have been unsuccessful even with valid documents getting the credit reporting agencies to block and remove fraudulent accounts as identity in USCS 15 1681C-2. XXXX does not abide by the FCRA Laws and are mis representing the laws as well as disregarding the Laws in removing fraudulent accounts, XXXX AND XXXX ARE USING THERE POLICY 'S AND PROCEDURE INSTEAD OF What's In THE LAWS STATES, I FILED SEVERAL COMPLAINS, WITH XXXX, XXXX NAMELY TO Block THESE FRAUD ACCOUNTS BUT WAS TOLD THAT MY POLICE REPORT AND IDENTITY THEFT AFFIDAVIT IS NOT VAILD AND I WAS REJECTED AID AND ASSISTANT BY BOTH REPORT AGENCIES. I ask that XXXX AND XXXX HAVE Stiff FINES AND PENALTIES Imposed AS IDENTITY BY THE FCRA LAWS I HAVE ATTACHED ALL EXHIBITS TO THIS COMPLAIN TO REFLECT THE SAME IT A XXXX XXXX THAT I HAVE TO GO THROUGH THIS WHEN ITS CLEARLY STATED BY LAWS PLEASE THAT I ASK THAT XXXX AND XXXX BE FINED INDEFINITELY PLEASE. Also tl not the only customer that's been done this way I'm not going for it at all.

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 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I received a notice on XX/XX/XXXX that servicing of my loan would be transferring to a new servicer. The letter is dated XX/XX/XXXX. This was the sole notification I received. The effective date is XX/XX/XXXX. The letter states that my old servicer, Union Home Mortgage will stop accepting payments received XX/XX/XXXX and beyond. I have a payment due XX/XX/XXXX. I attempted to set up a login with the new servicer, Nationstar Mortgage LLC d/b/a Mr. Cooper, with the loan number provided and their online access did not recognize the loan number. Additionally their customer service line wouldn't connect me with a representative because it does not recognize my loan number. I have 1 week to make arrangements to get the payment to the new servicer, with whom I can not set up an online account, and can not reach a representative via their customer service telephone line. They do offer the mailing address for the new loan servicer, but due to security concerns and inconsistencies with XXXX, I do not want to remit payment to them via check by mail, nor does it seem correct to mail a large payment to a company that can not demonstrate to me that they are in possession of my home loan. 

The letter does state " XXXX XXXX law, during the 60 day period following the effective date of the transfer of the loan servicing, a loan payment received by your old servicer on or before it's due date may not be treated by the new servicer as late, and a late fee may not be imposed on you. '' However, this then requires me to make payment on my loan EARLY, by special arrangement to my existing servicer before the loan is fully transferred, assuming the borrower has the funds available. If I make normal payment, it will be rejected by the current servicer per the cutoff date rendered above. The statement does not give a 60 day allowance for late payments to the new servicer due to inability to set up proper payment, and no information or stipulation is mandated to the two servicer to give the borrower to provide sufficient lead times for them to make such arrangements. 

The transfer of loan servicing is obviously done with some financial incentive for the loan companies at the detriment and expense of the borrower. I assume some financial gain is made by the loan companies on either side of the transaction, of which the borrower does not benefit at all. In fact, the transfer is arduous to the borrower, who is left with the administrative burden of setting up a relationship with the new servicer, ensuring payments are made on time, ensuring insurance companies have been properly notified, and in the following year additional tax forms to cover the entire year from both loan servicing companies. They are also solely held responsible for the consequences of late or missed payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-04-21 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: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NC

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
My Loan servicer will not accept HAF funds after my mortgage modification

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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Monday XX/XX/XXXX I logged into my Capital One bank account and saw that all my funds were on hold. After seeing my funds on hold I immediately reached out to Capital Ones customer service representative and informed her about what was going on. The representative had asked if I knew about a XXXX transaction that occurred on XX/XX/XXXX and to my knowledge I proceeded to tell her I have no idea about the transaction as it happened over a month ago. The representative puts me on a brief hold and then tells me that Capital One is deciding to part ways with me. They never gave me an explanation on why my account is being closed. I went into the branch Thursday XX/XX/XXXX to see if I could at least withdraw the remainder of my funds since I was able to access my account, but the branch said that my account was still under investigation. The XXXX amount was {$150.00} which is why I am confused as to my account being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately. 
XXXX XXXX XXXX, this is not my debt and Ive never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: AL

Complaint narrative:
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that l am requesting " validation '' : that is competent evidence bearing my signature. 

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you can not validate the debt you must delete. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on an consumer report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see the Verifiable Proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain banking services. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the account listed below. Please verify the following account or remove it immediately : XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: GA

Complaint narrative:
This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated credit information. Please remove immediately. 
Sequium Asset Solutions, this is not my debt and Ive never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Holdings LLC
State: UT

Complaint narrative:
Selene Finance acquired my loan in XX/XX/XXXX. At that time, they failed to pay out my property tax funds in escrow. 

I did not know this until I started a refinance process in XX/XX/XXXX. Once I got a notice of a tax lien, I contacted Selene Finance to make sure they sent the property tax funds to the tax commission. This process took over two full months and slowed up my refinance. 

I've been unable to connect with anyone at Selene Finance on my amortization schedule. I've made 5 payments with interest since Selene acquired the loan, but for some reason, I owe more than when they acquired it. The inaccurate additional interest on my loan has derailed my refinance. 

Further, because I was in the middle of a refinance, I delayed my XXXX payment because I thought we'd be closed before my payment was late. Since Selene didn't provide accurate payoff details or an amortization schedule, I went ahead and made the XXXX payment on XX/XX/XXXX ( as confirmed my a customer service rep over the phone on XX/XX/XXXX. For some reason, that payment wasn't applied until XX/XX/XXXX and now I have a 30-days late ding on my credit report. 

It's been impossible to get in touch with anyone at Selene Finance to discuss the payoff details or amortization schedule. The property tax department failed to submit my property tax funds and then was astonishingly slow in resolving the matter.

Selene Finance has singlehandedly derailed my refinance and hurt my credit score. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: NC

Complaint narrative:
My name is XXXX XXXX. 

I have a credit card with U.S. Bank. 
The product is called US GO bank credit card.

U.S. Bank has disabled my username since XX/XX/23 and not able to resolve the issue. 
When I contacted the customer service ( XXXX - XXXX XXXX, the agent was not able to her job duties proper to address my concern. 

There was no resolution provided and she was extremely rude in her behavior. 

My online access is still blocked and unable to see or monitor any credit card transactions.

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 2023-04-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
XXXX shows no mortgage on my credit report? 

Do I have a mortgage? 

If I pay US Bank mortgage payments, I will get no credit for my payments because it's not on any of my of my credit reports. 
How fair is that?

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 2023-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
As indicated in the earlier complaint on XX/XX/XXXX I came out of forbearance due to Covid. Since then, I have made monthly payments to Specialized Loan Servicing ( SLS ) of {$3400.00}. In XXXX payments of {$3400.00} were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In response to my earlier complaint SLS reported that on XX/XX/XXXX deferral was processed and the account was current. 

3 weeks ago, I was notified that my credit rating was reduced from XXXX to XXXX due to late and missed mortgage payments to SLS. The SLS message center claimed that my account was past due. I sent SLS the canceled checks showing that payments have been made and ask for a correction of the credit report. 

A XX/XX/XXXX SLS Message claims my XXXX payments have been late and that I owe {$15000.00}. I sent SLS copies of all 12 canceled SLS checks each for {$3400.00} for XXXX. As indicated with the checks, I have always made payments on or about the XXXX of each month, which was my due date. 

During XXXX I have received no indication or any reporting from SLS that my payments were up to 57 days late and that I was accruing delinquent late fees. The only correspondence from SLS was 6 notices of Intent to Foreclose ( XXXX, XXXX, XXXX and XXXX, XX/XX/XXXX and XX/XX/XXXX ). In addition, SLS has not provided a XXXX Form 1098 Mortgage Interest Statement. 

In XXXX payments of {$3400.00} have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a payment was mailed on XX/XX/XXXX. 

Since I have received zero monthly statements from SLS for XXXX, XXXX and XXXX I requested then in writing on XX/XX/XXXX, which I received this week. The provided XX/XX/XXXX Mortgage Statement claims I owe {$16000.00} due to late fees and missed payments. 

If required, I can provide copies of all canceled checks that SLS has cashed. 

Thank-you for your attention to this matter.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Delete fraud alerts and extended fraud alerts from my XXXX and Equifax XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 
Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XXXX, I tried to activate new AA Citibank Mastercard. Very difficult because citi has used my ex work number ( XXXX ) as my primary number. I can not set up account or do anything because the system wants to send verification to that number. It is not the mobile number that was used for verification. I called, did online chat w XXXX, sent messages through XXXX XXXX. No one will resolve the issue. XXXX Had conference call and told 24-48 hour resonse time. A letter from them has me call for security verification, but I can not get help. It seemed just a regular phone line for credit cards. I have explained this mistake of theirs multiple times. I have wasted hours and gotten very upset. Citi has been unresponsive and impossible. Screenshots of some emails attached.

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 2023-04-21 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: TX

Complaint narrative:
The company keeps reporting 99 days late with a loan from XXXX. I am not late and the accounts are paid in full. I disputed the information on the report and they still keep reporting false information. I have proof the accounts are paid in full.

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 2023-04-21 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: LEXISNEXIS
State: CA

Complaint narrative:
I'm making this complaint to LEXISNEXIS. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company response to consumer: Closed with non-monetary relief