vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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:
I received an email on XX/XX/2023 from my Loan Servicer Mr. Cooper in a form letter that was also sent to thousands of others stating that on XX/XX/XXXX Mr. Cooper became the target onf a Cyber security incedent. the letter went on to state that Mr Cooper took immediate steps to lock down their systems in order to " keep your data safe ''. 
The rest of the form letter went on to state that as a parent company they are working as to fix the issue as quickly as possible ; and that I would not in cur any fees, penalities, or negative credit reports. There was a link alsop given and I was encouraged to visit the site. 
Today however they have released a memo stating that one can make their mortgage payment via phone mail one-time web payment XXXX XXXX or a XXXX 
Due to my age ( XXXX ) a fixed income and all of this inconvience I am relunctant to do anything other than use the US mail and write a check ... ... .will there be anytype of retrobution to all of us that were affected? What about mine and all others personal information ie credit and bank accounts that may or maynot been compromised? 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I am writing regarding my accounts that have been put on hold now since XX/XX/2023. Please be on the lookout for an email from the FDIC. The E-Fraud now has it in their hands, and not only will they not speak to customers they have not responded to the local branch managers email for an update. I do know that they can not just hold onto my money by law. Let me explain my accounts the first one that I was given the account number that is account number # XXXX. This account is an account that not only has my XXXX money, but also my XXXX XXXX money. This money is used to keep us housed and to support my XXXX XXXX. The second checking is an account my school money goes in. 
My savings account is where the questioning should be at as I know it is a large amount of money. Let me explain, I helped with a job, and she deposited money it was in my chime at the time. XXXX never told me that they suspected fraud. When my account was closed the remaining chime mailed me as a check. I then opened the US Bank account and I was not told when I was paying these employees that sending the wire-transfer in payments would make it suspected of fraud. If I would have been told go to the local branch and send it all then I would have. The person who had me sending payments told me that at the time he was an employee of XXXX XXXX. If you need proof of the original person who deposited the large amount in my chime account I have her name, address, and phone number.

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 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have been a Citibank customer for several months, and to my dismay, my account was recently closed without any prior notification. Despite my persistent attempts to obtain an update on my account, I have yet to receive any response, leaving me in a state of confusion and uncertainty. 

On XX/XX/2023, I contacted Citibank 's customer service department, and I was informed that I would receive a call within 24-48 hours regarding the status of my account. However, to date, no one has reached out to me. Subsequently, on XX/XX/2023, I followed up on my initial inquiry, and a representative informed me that they had opened a case as per my request and that I would receive a callback within two days. I have been assigned a case number XXXX, and the email for the Executive Response Unit is citieru@citi.com. 

I have made several attempts to request a check with my account balance, but these requests have been repeatedly denied. On XX/XX/2023, I received an email stating that my request was denied again to expedite the case. 

This situation is of grave concern as it could lead to severe consequences such as expulsion from school, loss of housing, and repossession of my vehicle. Therefore, I urgently require the assistance of a senior executive to address 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 2023-11-06 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: TX

Complaint narrative:
I sincerely beseech you to promptly take decisive action to eliminate the fraudulent Accounts from 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 explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have a discover credit card for several years, so i for applied to a second discover credit card, got approved for {$6000.00}, of course its XXXX points lost due to hard pool from my credit due to application, screen says that my card will arrive in XXXX business days. So i planned to that approved XXXX K and did some home repairs at my house. Next thing in two weeks discover contacts me and request IRS transcripts and they lie to me by saying it is for identity verification where it is in fact its purely for my income verification. I am on XXXX. So that will not work for me and my income vary each year. I try to negotiate with them to provide 3 months of bank statement for income verification, but they said no. Only IRS. I relied on that XXXX dollars for my home repairs, and now i got XXXX over by some credit card company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
SINCE XXXX XX/XX/XXXX TO XXXX XXXX XXXX CFPB I am demanding proof of contract not computer created statements because they have only sent me copies of statements that I don't even know where they came from or who they are from in a computer you can create mani things like robo signatures I am demanding proof of contract I am demanding proof of contract I am demanding proof of contract they don ; t show proof of contract because they don't have one This is my eighth Qualified Written Request, for proof of claim Dated XX/XX/XXXX. Like on Previous letters advice that XXXX XXXX XXXX, XXXX. should fail to produce proof of claim within 30 days ; they will have exhausted their administrative remedy under a private administrative process and tacit agreement, XXXX XXXX XXXX, XXXX. failed to provide any documentation, original wet ink signature contract note specifically including records transferred from any previous lender or Bank. And XXXX XXXX XXXX, XXXX. ignore my demand and instead supply false untrue forms in pursuant of USC Title 18, part1, chapter 101 2071. USC Title 18 Part1, Chapter 63 1341, 1343, 1345, 1346, 1349.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX as well as XXXX 2023 An formal request for validation of the following inaccurate items on my credit file was requested from XXXX, Equifax and XXXX XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX as well as XXXX 2023 An formal request for validation of the following inaccurate items on my credit file was requested from Experian, XXXX and XXXX XXXX These company 's has violated my rights under FCRA 15 U.S.C 1681 Section 604 A. 15 U.S.C 1681s - 2 ( A ) ( 1 ) 611 ( A ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

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 2023-11-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Letter sent to Big Lots XX/XX/XXXX XX/XX/XXXX Big Lots XXXX XXXX XXXX XXXX, TX XXXX RE : XXXX XXXX Account XXXX Ending in XXXX I am contacting Big Lots to advise I will not be paying the Late Charge from the XX/XX/XXXX statement and now the interest on the XXXX statement. I have numerous credit cards ( XXXX XXXX, XXXX, XXXX, etc ) and have never had a late fee charge on any of these cards. I continue, every few months, to be charged with a late fee from Big Lots. 

Quite frankly, I have no idea what is going on with your Accounts Receivables, but I believe mail is being held in order to charge late fees to consumers. I am sending a copy of this letter to the XXXX & FTC for further investigation. 

You may contact me with any questions. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I had auto pay set up to pay my account in full every month. My due date is the XXXX. On XX/XX/2023 paid {$1000.00} through my XXXX XXXX account online and the other remaining {$2500.00} was set up to be paid through my XXXX account automatically in XX/XX/2023 Synchrony only withdrew {$1500.00} and then charged me XXXX in interest! I called and attempted to make phone payments on XX/XX/2023 and XX/XX/2023 for some reason they were not able to put the payments through so I went online and just did it that way with no issues. I tried to get the finance charge reversed and they refused to do it so at this time I have closed all cards associated with their bank resolution I'm looking for is a credit of {$42.00} in finance charge that should not have been charged because of their error.

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 2023-11-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX there was a debt collection owed in my name for {$250.00} for " XXXX '' internet services through eastern account system. This was an internet provider that I had used when I lived in Georgia from XX/XX/XXXX- XX/XX/XXXX. In XX/XX/XXXX I cancelled my internet plan and turned in my equipment and from that date to XX/XX/XXXX I was stationed in XXXX XXXX. I have never received any formal notice from the company or the debt collector that I owed this amount of {$250.00}. I used my banks credit score checker to see that I have never had any bad remarks on my records for years, this wasn't until I applied for my XXXX XXXX card in XX/XX/XXXX and saw that I was denied due to my FICO score being too low. While my banks credit score shows I was in the clear however, FICO showed a debt of almost 3 years unpaid. Since this discovery I paid the debt off immediately and tried to dispute the case through XXXX I have waited almost a month for the results to find out there are no changes to the report. I called Eastern Account System and told them the situation and since they told me I paid the debt there was nothing they can do about it. I believe this is unfair and unjust due to the fact that there was never any action taken for these companies to reach out to me. No phone call, email, or a mail to any of my addresses on my credit record. I called to see if I can dispute this case off of my credit report and they told me there is nothing they can do for me. I am writing this because I feel this is not fair, I have done everything to pay my bills and my credit cards off on time and this unpaid debt of 3 years is not a mistake of my own but the debt collector and the internet companies lack of communication with me. I can not show physical proof that these companies haven't reached out to me because there is no physical evidence whatsoever except for the case I created through XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-06 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: Transform Credit Inc.
State: GA

Complaint narrative:
On XX/XX/2023, Transform Credit Inc report a new installment loan account to my XXXX credit report with a balance of {$3100.00} with a monthly payment of {$5.00}. In XX/XX/2023, I applied for Transform loan but was informed that I needed a co-signer in order to receive it. I could not identify a co-signer at the time so I never received the loan. I was shocked to receive an alert that the loan had been added to my credit report and I never received the funds nor completed the promissory process. I disputed the results with XXXX on XX/XX/2023. Transform emailed me on XX/XX/XXXX and explained via email that when I applied for the loan with them, " each month you pay {$5.00}, which we report to the Credit Bureaus as interest against a loan that is held on your behalf. These successful payments build up your credit history, helping to improve your score. Once the 24 months have passed, or if you decide to cancel/stop paying, XXXX is simply marked as paid in full ''. They claim that this service is optional, but I was unaware when I applied online and never received a receipt for these {$5.00} payments so do not recall ever making such a payment. Even though I cancelled the XXXX XXXX XXXX, Transform told XXXX that the {$3000.00} loan should " Remain '' on my credit, which is completely inaccurate. Having an installment loan reported in this amount and I have never received funds for a loan is misleading and negatively impacted my credit score.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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 need to escalate this problem that I have with credit bureaus. They're not giving me any direct resolution to my problem. They are furnishing multiple accounts on my credit report without my written approval and that is invading my personal information. These negative accounts due to late payments and charges were all zeroed out by the individual who had these services but they're still declaring it as late or Charged-off. Why can't they just remove it or change it into its current status? I need to get this straightened out as I'm tired of going back and forth with them. I've been communicating with these departments since the start of this year. This is so annoying and exhaustingon my part.

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 2023-11-06 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: RentDebt Automated Collections, LLC
State: MO

Complaint narrative:
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practice Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt.Your abusive and deceptive practices are in direct violation of my rights under te FDCPA. I am well aware of the protections provided to as a consumer, and I will not tolerate any further harassment or misconduct.

Furthermore, I excercise my right under 15 USC 1692c ( c ) to request removal of any all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agencies without express written consent. I hereby withdraw any previous consent you may have had and demanded that cease reporting these debt to any credit reporting agencies immediately.

Please consider this as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. 

All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other forms of communication will not be accepted. 

I expect your immediate compliance with this and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: NC

Complaint narrative:
My student loan was sold, without my knowledge, to Nelnet from Great Lakes. I have called Nelnet on XX/XX/23 and XX/XX/23. Both calls, waiting over 2 hours for someone to answer the phone. No representative has answered or helped me. I would like to ask a representative questions regarding the status of my loan and discuss other repayment options but can not due to this lack of service and constant neglect. 
They took my monthly payment and applied interest - making my loan amount grow instead of decrease. I am a hard working mom, with full time daycare as my biggest expense. I am desperately looking for loan forgiveness, an available representative to call me, anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Account was closed and reporting the wrong information 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 explanation
Consumer complaint received 2023-11-06 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: MD

Complaint narrative:
Experian is not removing the financial paywall on the membership account and abusing me as a credit user and customer. 

They are violating their terms and conditions, the FCRA and engaged in credit fraud and credit reporting fraud for a fictitious XXXX XXXX XXXX secured loan account that I did not create, that has been reported as Identity Fraud to the FTC, CFPB, FBI and all other authorities interested. 

It still has not been removed from my credit report and is damaging my score and I am unable to find housing because of this and looking to find my first home and dealing with this fraud. 

I need help having this removed. I am contact with two law firms, but have yet to find legal representation that can fix this for some reason even though it is open fraud and multiple Constitutional violation against me.

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