vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I obtain a forbearance from Carrington Mortgage in XXXX of 2023 due to water damages to my home as a result of hurricane XXXX. Insurances companies have been cancelling home owners policies for no cause, I was already paid a high premium. I reached out to the lender for help. I could not live in the home due to window and flooding damages. I chose to make the needed repairs myself. I was approved for 4 months of no payments without penalties-late charges or reporting to credit bureaus. 

Additionally, I experienced a person tragedy-my only son was critically sick in a coma in ICU from a XXXX shot wound to his face. Unfortunately, like XXXX of young Americans he did not have health insurance. I was force to fight to save his life by paying for a lot of his health care. 

I request that Carrington put the outstanding amount to the back of the loan-they refused. I was told that all outstanding payments must be brought current. This was the only option. I spoke with several representatives from the loan department- at no time was i told that the forbearance will be negatively reported. 

I took money from my retirement fund and made the full payment-bringing the account current. I called several times and spoked with represents I subsequently made ALL payments on time until the selling of said property in XX/XX/2023. 

I was appalled to find out that XXXX report me as being late for XXXX days. This has negatively impacted my credit. This is unethical and wrong! Must I be penalized for the next 7 years? 

I am respectfully asking for assistance in expeditiously resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/2023, I applied for the American Express Gold card. I was denied credit and told that because of my credit score and rating that I would not be receiving any access to my credit. I have a right to credit and to be denied access to my securities and open-ended credit structure can be considered securities and trust fraud.

I feel this company is in clear violation of The Equal Credit Opportunity act. and united states Codes 15-USC-1691c 15-USC-1692k 15-USC-1681 15-USC-1611 and can also be classified as discrimination according to 12-CFR-1002 Because my Social Credit card was used in a Consumer credit transaction and I received no benefit, this is fraudulent and a direct attack on my rights in commerce.

Credit worthiness is not clearly defined, and I feel this is violation of 12-CFR-1002.7

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Nationstar Mortgage LLC d/b/a Mr. Cooper suffered a data breach where customer information was accessed by attackers. Nationstar Mortgage LLC d/b/a Mr. Cooper has failed to disclose to me what information was accessed and when. I contacted them today requesting information and was given no answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?

I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof.

I was a victim of Identity Theft and I already asked you to block these items in my previous letter.

Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I spoke with representative XXXX XXXX XXXX today XXXX about case # XXXX and told her the account was fraudulent and that I previously disputed it to be blocked and they did but rescended it because creditor told them that they had evidence proving it was my debt. She refused to dispute the accounts as fraud. Neither the creditor or the CRA has provided me any kind of proof, there is no proof because this account is fraudulent and does not belong to me. I have submitted all the proper documentation to prove its fraud. These companies are violating my rights and need to remove these items from my consumer 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
My ex wife had me removed from the deed and I was the sole person on the mortgage. XXXX XXXX XXXX XXXX XXXX ga XXXX. Then she contacted truist mortgage and told them I was missing for a year when I wasnt and had the bank let her make the decisions for the account and eventually close and refinance. Then she took the escrow check made out to me in my name and deposit it into her bank 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly delete this incorrect entry from my credit report. I never authorized or recognized this account. The relevant documents backing my claim are attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We have an escrow account to pay our property taxes and insurance. On XXXX Mr. Cooper, aka : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called our insurance company, XXXX XXXX XXXX insurance to request " evidence of insurance '' and there was no answer. The policy expired on XXXX. As I was speaking with XXXX in the insurance tracking center of Mr. Cooper, when I asked her why the mortgage company didn't attempt to pay the insurance policy until less than XXXX hours before it expired, surprisingly she disconnected the phone call. 
Our mortgage company failed to pay our insurance policy and got it cancelled, then had the audacity to tell us that WE FAILED keep insurance on our home. Subsequently, they purchased a different, and substantially more expensive policy with less coverage which caused our payment to go up. We are XXXX XXXX XXXX and retired and can not afford to have this burden. Please help us and let us know what remedy is available to us. 
Thank you. 
XXXX  XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
THIRD PARTY- XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR- NAVY FEDERAL CREDIT UNION is breaking the consumer law pertaining to : NAVY FEDERAL CREDIT UNION XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost thousands of dollars and mentally aggravation if this isnt resolved I will have no choice but to move forward with litigation. XXXX : XXXX CARD HOLDER!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: NV

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Absolute Resolutions Corp for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 
This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Absolute Resolutions Corp., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Absolute Resolutions Corp continues its collection efforts, I will file for litigation for actual damages caused and Absolute Resolutions Corp., shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
This has been ongoing since XXXX XXXX XXXX At this point it is my understanding that the investigation part is complete at Capital One Bank but they the security team is still holding my funds. The lack of response from Capital One is astounding. We are taking about a deposit that Capital One accepted into an account that was not mind of over XXXX and at the time the account that it was put in was closed. Capital one sent me a copy of what the transfer looked like and it clearly had my name on it. The originating bank has asked for the funds back ( XXXX  ) but to this date capital one has still not sent back my funds and will not give me a date or time of when that is going to happen. So while my case says it is resolved they are still holding my funds. 

Please see previous complaints filed and all of the information is described there. I was told by XXXX with Capital One that there is no timeframe for which Capital One is held to return my funds and feel that this is not ok. 

Please help me hold Capital One accountable to someone as they continually have media coverage about how they are doing these type of things

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LendingPoint Holdings LLC
State: RI

Complaint narrative:
I inquired online about a consolidation loan with LendingPointXXXX on Saturday, XX/XX/24. Upon getting immediate pre-approval rates over 31 %, I immediately called the XXXX number provided in the site to request removal of any authorization to pull my credit report and/or to solicit my personal information to other companies. He assured me that my name was removed and that no inquiries or sharing of my information would occur. However, I received an email from LendingPoint on XX/XX/24 stating that a Credit Decision was made based on my personal information being shared with XXXX Bank. I never authorized my information to be shared with XXXX Bank or any entity. In fact, I explicitly disallowed it. They pulled my XXXX Credit report without authorization and made a fraudulent consumer credit decision on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MA

Complaint narrative:
On XXXX XXXX XXXX XXXX I received a modification package from Selene Finance that was very aggressive. They raised my interest from 4 % to 8 % and raised my payments from {$1600.00} to {$3200.00}. Considering that I found this very XXXX  I submitted an appeal on XX/XX/XXXX. I disagree with this decision because I find it to be very aggressive and disproportionate. My intention is to comply with my commitment but I need a more reasonable agreement. I would like to enter a negotiation to resolve the current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
I have asked for Cardinal Financial company , limited partnership to correct the warranty deed. If said, warranty deed is not accurate where it states I granted {$220000.00} executed and delivered to Cardinal Financial company , limited partnership. They have failed to even acknowledge this question. Instead, they continue to give their government agencies the same response document sent to me in XX/XX/2023. If the warranty deed is incorrect where it states that I granted, executed, and delivered the total sum of {$220000.00}, then we must correct the documents and not continue to look over this question. Is it true that I granted Cardinal Financial company , limited partnership, the total sum of {$220000.00} as as your warranty deed states? If not true, the validity of said warranty deed is definitely a question. Please provide proof that your warranty deed is either accurate or inaccurate. Acquiescence apply, and shall be enforced if Cardinal Financial company , limited partnership chooses to answer this question with prior responses, prior sent documents, are simply not answer the question in total, as Cardinal Financial company , limited partnership NEVER responded to said question of the validity of the warranty deed, which is proven by Cardinal financials, response, document, dated Roundabout XX/XX/2023, is Cardinal Financial company, limited partnerships warranty deed in error, were it states I gave Cardinal Financial company , limited partnership the total sum of {$220000.00}. It is seemingly evident that Cardinal Financial company , limited partnership, is conspiring to steal my asset. As have no debts which is further evident by the secretary state of Texas.vCardinal Financial company, limited partnership, is fully aware that their company was granted {$220000.00} that was executed and delivered by myself XXXX XXXX, per Cardinal Financial company, limited partnerships warranty deed in which, promissory note in connection to said warranty deed affirms without a shadow of a doubt that I delivered the sum amount of principal payment {$220000.00}, paid to the order of Cardinal Financial company , limited partnership, as evident by the the secretary state of Texas authenticated document, proves there isnt any liens or debts against my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a conumer.

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 2024-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management
State: GA

Complaint narrative:
I spoke with this company requesting a copy of original agreement, a copy of payments that was made on this account a copy of how and when they obtained this account a written notice of why this account from them has been placed on my credit report I was told they dont care what I say it on my credit and my score will and is being affected and they the next step is they will see me in court she laughed called me out my name and stated she will call everyday for a year and also notify my employer how I dont pay my bills

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: North American Credit Services
State: TN

Complaint narrative:
Received a phone call from debt collector on XXXX. I asked if I could request information via email. They agreed. I sent emails on XXXX and XXXX. Debt collector did not respond to emails and verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
this is fraud

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit agency is reporting fraudlent accounts on my consumer report. They never contacted me for accuracy instead they published them. I was a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
A company Submitted a loan in my name to Service Finance Company LLC I informed them.

1.That is not my name or Signature 2 . I did not approve of any loan and I would like to Contest it but they still call me and request to pay and continue to tell the Credit agencies I refuse to pay.

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