vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
This complaint is regarding a property I just purchased at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA , XX/XX/2022. I am attaching information regarding a problem with the mortgage company, Mr. Cooper, who bought my loan from XXXX XXXX XXXX  XXXX out of XXXX. XXXX XXXX was the Mortgage XXXX, also out of XXXX. 

You can see from the string of paperwork that my loan was sold to, what I now interpret as, an unscrupulous mortgage company, Mr. Cooper. I also interpret that their tactics are not 'honest mistakes '. They have been communicated with by me and XXXX XXXX XXXX XXXX XXXX XXXX and she was assured that this was resolved. They keep trying to set up an escrow account and raise my monthly payment by {$300.00}, when it clearly states that nothing is to be changed on my contract or payment amount in the sale of my loan. You would think a mortgage company knows the law concerning the purchase of a loan. We paid our insurance a year in advance and opted to pay our taxes privately too and did not contract an escrow account. For obvious reasons, they want the use of that money until tax time and intend to bully me into submission. 

I have spent countless hours on the phone, many of them holding for hours at a time. Their customer service is horrible. They should call their service department Customer Harassment! Then I was told it would be handled last week. I get letters every week stating that I am delinquent on payments and need to now give them thousands of dollars to 'catch up '. I have made every payment early for the contracted amount of {$1400.00}. They have not credited my payments saying that they don't accept partial payments. They did indeed put them through the bank and put them into a holding account, which account they are probably using to invest and make money while they bully me. 
They see my age of XXXX and probably think I don't have the brains or the courage to fight them. They're wrong. If they are doing this to me, they are doing it to others. This is elder abuse. They have been communicated with numerous times and now are offering to 'only " raise my payment by {$95.00} into an escrow account and are surely are hoping I am so beaten into submission I will just give up and go along with them. They're wrong about that too. I am today making a formal complaint to the Consumer Finance Protection Agency. 

This is not OK! They are telling me that they have to report me to the credit bureaus after 3 months of 'delinquent payments '. On the attached papers you can see I have made every payment on time. 

This comes at a time that I have had a serious and debilitating XXXX  incident while I was traveling in XXXX and was in the hospital for XXXX  days. I had to come home two weeks early and am undergoing therapy and tests. I want them to cease and desist from this harassment and want to know if I can sue for restitution for my time and suffering. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person ....

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 2022-05-25 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: MI

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Opened : XXXX : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}. showing on my credit report.

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 2022-05-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card was utilized on XX/XX/2022, at XXXX in the store for a merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX for {$960.00} and it was fraud. During that morning, I was at the hotel pool while my room was being cleaned. My credit card was in the room. I informed Citi Cards that my credit card may have been taken by hotel staff, used and returned OR that somehow the numbers were used. I was told today that I will be responsible for the charges because during their investigation they learned that I provided the merchant with my account information for a " series of purchases. '' This is absolutely not true. I used this credit card twice, once at the hotel and once at a medical clinic to pay for my covid test. I called the hotel and the medical clinic to verify that they were not at all connected to the merchant who charged my card {$960.00}. They verified they are not connected to that merchant. I am not willing to pay for charges I did not incur, and am willing to get an attorney. Citibank Security Services will not re-open my dispute nor credit my account.

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 2022-05-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Recently I saw a negative affect on my credit report from PROFESSIONAL DEBT MEDIAT in the amount of {$4300.00} for XXXX XXXX as a bad debt collection account. I used to reside in XXXX XXXX through the end of 2018. When I moved out, my last month 's payment and security deposit covered the funds owed XXXX XXXX. Until this day, I have not heard or seen any correspondence regarding this debt until it showed up on my credit report and negatively impacted me. I do not owe any more funds to XXXX XXXX and any claims from PROFESSIONAL DEBT MEDIAT are invalid and were not properly provided to me PRIOR to being placed in collections!! I do not know what this could possibly be for and I was not given a proper notice or chance in order to dispute this or properly handle it. Instead it went straight to my credit report and is negatively affecting me especially during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: National Credit Systems,Inc.
State: AZ

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit Plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication. 15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass. My credit report has to be 100 percent accurate which is not as you can see double accounts, with advaausale. And XXXX is all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XXXX, after using my debit card at the ATM at a local XXXX store, my card was lost or stolen. I received notification on my phone from my bank there was a transaction made using my bank card ending in XXXX for the amount of {$360.00} on XXXX. I looked for my card, unable to locate the card so I report to my bank Chime XXXX XXXX XXXX XXXX because charge was pending they suggested I reach out to the merchant for refund. I contacted XXXX from a XXXX search which said if an unauthorized transaction was made within 30 minutes contact this number. I reached out to the number, provided transaction time, date, amount was assured they would be escalating the issue to a higher up team then I should be refunded within 3 business days. I received an email that they were unable to locate the transaction. After contacting them several times still no record of the transaction. I contacted my bank they initiated a dispute which has been closed with no errors found. They reopened the case after I sent the emails XXXX sent me to inform about not being able to locate the transactions. They closed the dispute case again with errors found.. I've reached back out to XXXX and still no help and now I'm without {$360.00}. I do not know what to do at this point. The bank is not helping and neither is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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 the company multiple times and sent a communication to the company via XXXX advising the debt does not belong to me and requesting the validation of the debt be sent to me and the item be deleted from my credit report. I have filed a CFPB complaint that XXXX XXXX XXXX responded to as " the complaint does not belong to them ''. If they are stating that the complaint does not belong to them, why is it on my credit report. The social security number and date of birth does not match!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MI

Complaint narrative:
Please verify that all information is 100 percent accurate. Please correct and update this account and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. Below is the account in question : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$10000.00}

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 2022-05-25 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: OneMain Finance Corporation
State: FL

Complaint narrative:
I have some credit inquiries that I do not recognize. They were informed only on XXXX XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Onemain financial - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Armed Forces Loans of Nevada Inc.
State: NC

Complaint narrative:
Filed a complaint on XX/XX/2022 with the CFPB stating that there is no bankruptcy on my consumer report and this account with Armed Forces loans shows under wager earner plan. Armed Forces responded and said they would remove the account within 5 business days from their response. As of today it's still there and they haven't removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: PNC Bank N.A.
State: GA

Complaint narrative:
" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....

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 2022-05-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: VA

Complaint narrative:
The company granted me a line credit with a certain number of fixed payments over the years at the end of which my loan would be paid off. During the pandemic I requested a lower payment amount as a forbearance period. It was maybe XXXX or so. My payments were XXXX /month. I resumed to full payments a few months later. I got a call the other day that my last payment had come to term but I still had a XXXX balance! That's when their agent on the phone went on to explain the disclosures about the interests they were charging me on the differential of the reduction they gave me. Apparently, unbeknownst to me it had been accruing for 2 years which is the period between the time I was granted to reduction to the last month of the term of my loan. The original loan was XXXX. Based on payments I made the loan should be paid except maybe XXXX or XXXX that should represent the reduction they gave me. I just don't understand how that has turned into an extra {$1100.00}. I can not pay that because I feel when they gave me the reduction, no such explanation was given to me and I feel it was misleading and mischievous. I have worked hard to build my credit score to a good level over the years and I know where this is going. I received a notice today that the full XXXX is 7 days past due. I know as a finance enthusiast and money management auto didact that reporting to CBs happens after 30 days and they can not mess with my credit. I want a resolution that is fair and them being clear with consumers when granting those kinds of breaks which I appreciated. 
Their CS Number is ( XXXX ) XXXX My account # is XXXX Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MI

Complaint narrative:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXXXXXX Date Opened : XX/XX/2020 Balance : {$350.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX Opened : XXXX : {$370.00} showing on my credit report.

Company response to consumer: Closed with explanation