vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-30 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: Consolidated Information Services Solutions, LLC
State: NC

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 XXXX 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 2022-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Every time I contact Wells Fargo regarding my account, they always seem to have different information contained within my credit and financial records that is not mine and I have notified them of this several times yet more and more information continues to surface, who knows what else they have XXXX  up or added into my financial records with them. I am concerned that their notoriety for inability to maintain data privacy and record security of their consumers is resurfacing again. They have data in my financial records that I am unaware of, did not provide, and have no idea who's it is. I have never had these types of fraudulent data security breach issues with any other home loan except for with Wells Fargo, same type of slimy dealing now with my home loan that happened with my car loan, which is why I choose to never do business with them again. 

I request that my loan be serviced by a reputable and trustworthy financial institution not one that is incapable of ethical business processes and practices. They should have been disbanded the first time the feds came knocking, nothing has changed except they paid fines and it seem like everyone is looking the other way again now

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 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I believe I have been scammed by a Bank of America scammer, I was sent a text asking did I authorize a XXXX transaction through XXXX. NO WAY did I authorize that, I had less than a XXXX in my account and now XXXX of it is gone!!! I have rent coming up in a day and I'm screwed!!! Please help 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 monetary relief
Consumer complaint received 2022-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper took over my mortgage in XX/XX/XXXX and for several months, was adhering to our loan agreement by granting me the ability to make penalty-free early principal payments. In XX/XX/XXXX I removed the escrow from my loan. My monthly payments decreased. Then in XX/XX/XXXX, Mr. Cooper terminated my ability to make penalty-free additional principal payments. 

The penalty that Mr. Cooper has been charging me since XX/XX/XXXX is disguised ; it is not labeled as a penalty fee. Mr. Cooper is instead penalizing me by misapplying my additional PRINCIPAL payments as extra monthly payments. 

Therefore, I do not get credit for principal paydown. 

Each principal payment is misapplied as extra monthly or triggers reversals of my monthly payment which is then re-reversed and re-applied over subsequent days or weeks. With the tactic of misapplication, reversal and re-reversal, Mr. Cooper delays, by days or weeks, applying additional principal payments to principal. 

It is sometimes even worse. In XX/XX/XXXX, Mr. Cooper completely neglected and refused to apply my additional principal payment to principal. This happened again in XX/XX/XXXX. In a phone call on XX/XX/XXXX, XXXX XXXX XXXX made the correction by applying my XX/XX/XXXX additional principal payment to principal ( 19 days late ), but she did not modify the date to accurately represent this XXXX delay. 

Mr. Cooper 's data from their website does not show the number of days of delay, because when Mr. Cooper applies my principal payments, after taking advantage of the misapplication-reversal-re-reversal delay tactic, Mr. Cooper does not modify the payment date accordingly. 

In each phone call, I say multiple times that I want these payments to go to principal, but they do not. One customer service representative explained that when Mr. Cooper customers mail their additional principal checks to Mr. Cooper, no matter how large the words additional principal appear on the check or stub, the amount will nonetheless be applied as an extra monthly payment. When I learned that, I stopped mailing checks and have since only made payments by phone. 

Summary XX/XX/XXXX Mr. Cooper bought my loan XX/XX/XXXX I took escrow off my loan XX/XX/XXXX My monthly payment decreased from {$1700.00} to {$1200.00}. 
XX/XX/XXXX Mr. Cooper began charging me a hidden penalty by delaying or refusing to apply my payments to principal

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
I am XXXX XXXX, a natural person, and no one is helping me file this complaint. I have sent several certified letters to this Debt Collection Agency CALVARY PORT requesting an audit trail to that I may have a chance to validate the debt, and for them to Cease and Desist reporting while I was disputing this debt. CALVARY PORT is in violation of my consumer rights by refusing to abide by the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I purchased some items and a protection planfrom XXXX XX/XX/2022. On XX/XX/XXXX, the order was scheduled to be delivered on that date. My purchase was never delivered and someone had signed off on my signature. I was given a refund receipt implying that the item was delivered with no address marked and singed by " XXXX XXXX ''. Instead of completing my refund, my credit card company, XXXX, and XXXX to explain why or even make any attempts to correct the situation. I spoke with a supervisor, who did nothing to resolve the issue, instead telling me " a dispute will be filed and can take up to 120 days. I have received no calls or anyone trying to reach out to me in this frustrating time while I wait for my money to be deposited back to my account.I have also filed a police 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 2022-05-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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 2022-05-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # 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 2022-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
I, XXXX XXXX, a natural person, consumer, and acting without any help from a third party want to complain that I sent Calvary Port a certified letter asking for an audit trail so that I could validate this debt per my consumer legal rights which are to protect me. Calvary Port has not sent me an audit trail and it has been six months. During this 6 months they have continued reporting these inaccuracies in spite of them being disputed which is also a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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 acct # XXXX opened on XX/XX/XXXX, amount XXXX XXXX XXXX  act # XXXX opened on XX/XX/XXXX amount XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Act # XXXXXXXX XXXX act # XXXXXXXX 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

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 2022-05-30 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: CA

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. 
XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2022-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
On XX/XX/2022 I sent CALVARY PORT a certified letter asking them to Cease and Desist reporting this disputed alleged debt of {$620.00} to XXXX XXXX XXXX until they sent me all the information they had on file so that I, the consumer, a natural person, could attempt to validate this alleged debt per my legal rights and protections. CALVARY PORT ignored my request for information ( violation ), and continued reporting this derogatory and false information to the CRA 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 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: CA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2022-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
Our mortgage is serviced by Fay Servicing. We mailed a cashier 's check drawn on XXXX XXXX XXXXXXXX XXXX  # XXXX dated XX/XX/XXXX for {$1500.00} to them, which we do every month. We got a message from them on XX/XX/XXXX, stating that our XX/XX/XXXX payment had not been received. I called XXXXXXXX XXXX and verified that the cashier 's check was paid on XX/XX/XXXX. I received a copy of the check and it was endorsed XXXX deposited into Fay Servicing , LLC account # XXXX. I called Fay Servicing at XXXX on XX/XX/XXXX. I talked to a rep, XXXX, for almost XXXX minutes, who wouldn't listen to me. All he wanted to know was when was I going to make the XX/XX/XXXX payment. I told him more than once during that call that the cashier 's check had cleared on XX/XX/XXXX!! I advised him that this was not the first time that Fay Servicing had messed up on our payment processing. He then wanted to know what address the payment was sent to. I told him the address on the bottom part of the account statement that was received in the mail. I told him that I always mail in a cashier 's check for our mortgage payment. He then put me on hold for several minutes and came back and told me that he had located the payment and would escalate my concern. I was also asked to participate in a customer service survey after the call. I was transferred to the survey and gave XXXX a rating of 3 the lowest rating. I was asked if I wanted a return call back from a supervisor/manager. I replied yes but that call never came. I checked on the payment posting again on XX/XX/XXXX XXXX the automated system advised me the XXXX payment hasn't been received. I called Fay Servicing again on XX/XX/XXXX and asked for a manager. I was then transferred to " XXXX '' who would not listen to my concerns either. I was on the phone with her for almost XXXX minutes!! She kept interrupting and said to send a copy our full bank statement in. I told her I would not, as the payment was made via a cashier 's check. At that time, I demanded to talk to someone higher than her. Guess what..she transferred me off to who knows where and a recording came on stating the mailbox was full and then the call was automatically disconnected. So now, I have been on the phone with Fay Servicing a total of XXXX minutes trying to get them to listen to me!! I have been checking several times, including today, Monday, XX/XX/XXXX XXXX it still hasn't been applied. Also, we are concerned about our late fees and the credit reporting due to Fay Servicing 's negligence. The last time something like this happened was in XXXX of XXXX. There was another time before that as well, but I can't remember when at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: AP

Complaint narrative:
I am a military member stationed overseas ( XXXX ). Prior to moving, I was the victim of identity theft. I activated an XXXX XXXX Credit freeze on all three reporting agencies. Now that I am living overseas, I am trying to open a new line of credit and need either a temporary unfreeze or pin to allow the company access to my report by Experian. I have now been trying for two months to get access to my Experian account. I can not log in despite answering the authentication questions correctly. Their phone system does not allow contact with another human and directs you back to their website which does not work. After many hours of calling internationally, I was finally able to reach a human and was told overseas addresses are blocked from their system and there is no way for me to access my information while living overseas. I can not find a way to email or access anyone at Experian that can help. I am effectively blocked from accessing my information while stationed overseas.

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 2022-05-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX [ now XXXX XXXX  ] has been putting false late payment information [ XXXX and XX/XX/XXXX ] on my car loan listed on my credit report AFTER the car loan had been paid off in XX/XX/XXXX. I have repeatedly given XXXX the information that XXXX INSURANCE paid off the car loan to XXXX in XX/XX/XXXX but XXXX has refused to investigate or correct their information. I have even forwarded XXXX XXXX 's email with the particulars of the check ( check cleared XXXX XXXX bank on XX/XX/XXXX ) used to pay off car loan. However, XXXX is NOT correcting the errors on my credit reports. The credit bureaus are still showing incorrect late payment information from XXXX on my credit reports even though I have given them the correct information through the dispute centers. 

This is a violation of section 1681s-2 ( b ) of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. ( the FCRA ) by failing to investigate and correct disputed information relating to customers loan in reports to the credit bureaus.

[ 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. ] Since the loan was paid off XX/XX/XXXX and XXXX accepted payment by cashing the check [ cleared in XX/XX/XXXX ], XXXX is in clear violation of the above Code. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the late payments [ XXXX and XX/XX/XXXX ] are still showing up AFTER the car loan was paid off [ XX/XX/XXXX ] by XXXX XXXX, the date of last active is inaccurately listed as XX/XX/XXXX [ should be XX/XX/XXXX ], my credit reports are showing one 30 day late and one 60 days late [ should be zero lates across the board ], payment status shows XXXX dates late [ should be NO lates ], worst payment status shows XXXX days late [ should be NO lates ] and XXXX showed the account was closed in XX/XX/XXXX [ should be XX/XX/XXXX ]. I submitted the email from XXXX XXXX through the dispute centers so the credit bureaus had verification that the insurance company had paid the car loan off in XX/XX/XXXX [ letter from XXXX XXXX plus they sent me a copy of front & back of check showing check cleared on XX/XX/XXXX. ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief