vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-03 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: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I HAVE A LOAN WITH NATIONSTAR/MR COOPER . AND I AM HAPPY THAT THIS BANK GEVE A LOAN. I AM VERY RESPONSIBLE PERSON AND I AM ALWAYS ON TIME WITH MY PAYMENTS. BUT UNFORTUNATELY XXXX  OF XXXX MY ENTIRE FAMILY GOT XXXX. OUR FAMILY SITUATION WAS REALLY BAD, I WAS ACTUALLY XXXX, DOCTORS HAD NO CHOICE BUT XXXX XXXX XXXX XXXX, WHICH BASICALLY I WAS XXXX  WITH THIS SAID I FELL BEHIND ON MY MORTGAGE PAYMENT FOR THE MONTH OF XX/XX/2020. I HAVE TRIED TO HAVE THIS LATE/NEGATIVE REPORTING REVERSED BUT THE BANK IS SAYING THEY CANT DO THAT. I AM SURPRISED AS TO WHY THEY CANT DO ONE TIME CUSTOMER SERVICE SPECIALLY WHEN I AM EXPLAINING TO THEM AS TO WHY THIS HAPPENED. I HAVE HAD THE LOAN FOR ALMOST XXXX YEARS AND NEVER HAD ONE LATE PAYMENT ONLY IN THE MONTH OF XXXX OF XXXX  HOW COULD I HAVE MADE A PAYMENT WHEN BASICALLY ON A XXXX XXXX WHICH LUCKLY WAS OVER TURED AND I HAVE RECOVERED EVER SINCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

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

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 2022-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OZK
State: AR

Complaint narrative:
I opened a new checking account with Bank OZK using their website to open and establish the account. In doing so I transferred money from a different banking institution to establish the new account with Bank OZK. 

Bank OZK initiated the transfer from my outside account and the funds left my outside bank account. However Bank OZK then rejected the deposit into my new account because they said my account was " not verified ''. 

Since then Bank OZK has told me that I needed to go to an in-person Bank OZK location to verify my account so the 'restriction ' placed on my account opened online could be removed. This restriction was the reasoning given for why the deposit was rejected. 

I was never provided any communication that going to verify my new bank OZK account was a requirement of opening an account online. The transfer was initiated 2 days after i opened the account online and was 'rejected ' by Bank OZK that same day. This means i would have had to go to an in-person location the very next day to verify my account in order to have possibly prevented the transfer from being rejected. 

I was never notified by Bank OZK that the transfer was rejected. 

I have not yet gotten the initial transfer returned to my outside bank account. I have made multiple phone calls to both banks, and have requested multiple ACH trace numbers to determine the status of the missing funds. 

Bank OZK 's current system for establishing new accounts online does not work. They should not initiate transfers for new accounts if their system then will not accept them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have attached an FTC report with an account that has popped up on my credit report that is not mine. This needs to be deleted

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03 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: I.C. System, Inc.
State: VA

Complaint narrative:
I recently obtained a copy of my credit report and noticed that there is information reported inaccurately. I disputed these items : XXXX XXXX XXXX, IC System inc, XXXX XXXX XXXX XXXX XXXX. On XX/XX/2022 I mailed out dispute letters to XXXX, XXXX and XXXX stating all 3 of those items were incorrect and if not verified item needs to be deleted and removed. It has been XXXX days and I have not yet received any feed back from all the companies. I need all items to now be deleted and removed. I have been denied credit cards ( to help build my credit score ) a loan program for a home for my children and me. This inaccurate credit report has impacted my life negatively. This must be deleted and removed. Thank 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 2022-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SG and Associates
State: FL

Complaint narrative:
I noticed this on my credit and this was paid off through another company XXXX years ago. Ive signed in to XXXX and it shows a XXXX balance for me which I attached to my previous complaint. Even if I still owed XXXX it would have been two payments under {$100.00} each not the {$310.00} they are posting on my credit report. 
However the below letter shows that this debt was already paid XXXX years ago, for the {$200.00} actually owed, and XXXX is illegally damaging my credit over a debt that was already paid, and they are attempted to charge over {$100.00} more than the debt was. 
IF this company attempts to say XXXX XXXX XXXX I also included a screenshot that took me two seconds to XXXX " XXXX acquires XXXX '' so they bought out XXXX which is why the debt was paid to 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 explanation
Consumer complaint received 2022-06-03 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2022-06-03 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: GA

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and Remove.

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 2022-06-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: HI

Complaint narrative:
I am submitting this complaint in order to have the file audited for the following reasons : XXXX ) Discrepancies regarding the Monthly Interest fee for several months in 2020. Especially the months of XX/XX/2020 ( {$510.00} with an interest rate of .09750 % ) loan balance was {$240000.00} and XX/XX/2020 ( {$230.00} with an interest rate of .09750 % ) loan balance was {$240000.00}. I believe the interest rate in correlation to the loan balance is inaccurate and over charged by at least {$270.00}. I feel several months have been miscalculated. 

XXXX ) The security instrument ADJUSTABLE RATE HOME EQUITY CONVERSION MORTGAGE has a notary stamp or seal that DOES NOT look official or legal. The stamp shows irregularities ( no commission or expiration date?? ) Expiration date is HANDWRITTEN in!! I was a notary so I know that is incorrect. 

XXXX ) The HUD 1 shows a miscalculation of monies due to borrower. My mother was given {$8000.00} versus the correct calculation of {$8000.00}. This is why I feel the numbers are incorrect throughout the loan. 

XXXX ) The exact ATTORNEY FEES were added TWICE on 2 statements when this account was with XXXX XXXX. The months are statements ending in XX/XX/2020 and XX/XX/2020. An additional letter was sent on XX/XX/2020 stipulating that XXXX XXXX  forgot to add several fees to the XXXX statement of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  acct # XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX lender XX/XX/XXXX experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 an account without my written instructions

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 2022-06-03 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX and 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 an account without my written instructions.

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 2022-06-03 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: FL

Complaint narrative:
The Credit Experian stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal You also violated my rights under 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 Also the Credit bureaus took more than 30 days to complete my investigations

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 2022-06-03 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: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX. 
Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # 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

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 2022-06-03 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 XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX. 
Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: FL

Complaint narrative:
I have attached an FTC report with an account that has popped up on my credit report that is not mine. This needs to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 an account without my written instructions

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 2022-06-03 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: Maury Cobb, Attorney at Law, LLC
State: CA

Complaint narrative:
An account belonging to XXXX XXXX had a cell phone account with XXXX. When the account was disconnected with an outstanding balance the account was reported as a collection on my personal credit report. XXXX acknowledged the account was a corporate account and should not have been reported on my personal credit report and told me I needed to contact the collection agency they hired, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX ( XXXX ) XXXX. When I called XXXX XXXXXXXX XXXX  I was told by a rep there that my file was being handled by Maury Cobb Attorney at Law XXXX. I was told by the rep that the law office often negatively reports corporate debt on individuals reports to prompt them to make payment. I demanded the erroneous reporting be deleted from my credit files and was told since the business had made payment that what was reported on my credit report would be removed. After two weeks it is still being reported. Through my online research I was able to confirm what I was told by the rep. Maury Cobb Attorney at Law has lost several law suits related to unfair/unlawful collection practices, at least one of which was a class action law suit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
This is a follow up to the previous complaint # XXXX. 

The old complaint is listed below for reference*. The new information is the attached letter I obtained from my bank XXXX confirming that the checks indeed bounced. Apparently, the official bank statement ( showing the checks bounce ) was not enough and I had to go through the trouble of obtaining the bank letter as Shellpoint keeps stating that the checks were cashed by the bank. Nothing new, just another false statement by Shellpoint. 

In violation of certain federal and state laws, Shellpoint is holding on to my escrow payments for over 7 months, since XX/XX/XXXX. Please help me get my escrow back! 

Sincerely, XXXX XXXX -- -- -- -- ( * ) Text of the prior complaint # XXXX My name is XXXX XXXX XXXX I used to have a mortgage serviced by Shellpoint Mortgage Servicing ( " Shellpoint '' ), which got refinanced in the fall of XXXX. 

Shellpoint used to collect escrow on the old mortgage, and when the mortgage got refinanced, Shellpoint refunded the escrow back to me via two checks in the amount of {$68.00} ( check # XXXX, issued XX/XX/XXXX ) and {$5400.00} ( check # XXXX, issued XX/XX/XXXX ). I got the checks in XXXX and deposited them right away, in a timely manner, on XX/XX/XXXX. Unfortunately, the checks bounced. 

I have been in touch with Shellpoint ever since. Shellpoint gives a different story every time. Shellpoint asks for documents, promise to call back, to escalate, provide case numbers, escalated case numbers, etc, etc. Their last story is " the checks got cashed ''. I did not cash the checks. 

I need to get my money back. 

Please help me get my money back. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation