vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
In XXXX I started working on refinancing my current VA loan with Freedom Mortgage and during the process the third party title company ( XXXX XXXX ) that the mortgage company was utilizing came back saying there was a lien on my property by XXXX XXXX. They stated they was working to clarify the issue. After a couple of weeks they notified me they was still having an issue. I called XXXX XXXX office and told them of my issue at which time they stated the title company was reading the file wrong and that they don't place liens on properties only the product. I called the title company and informed them of their error at which time they agreed and sent over a letter stating it was clear to move into closing. I was scheduled to close on XX/XX/XXXX and the mortgage company stated that since there was a delay we wouldn't meet the original closing date and that I needed to pay {$1600.00} for a 15 day rate lock extension. I argued this was no fault of my own and believed that it should fall back on the title company or them but not me. They disagreed and stated I would have to absorb the cost.

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 2021-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a loan with JPMCB AUTO FINANCE, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB AUTO FINANCE and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX and XXXX, and JPMCB AUTO FINANCE with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CA

Complaint narrative:
I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a sba loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: CA

Complaint narrative:
I was taking advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, and also I can not apply for credit. I can't even get a sba loan due to the pandemic under the crisis ypou have hurt my ability to obtain credit.

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 2021-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
I have settled a debt with Transworld Systems for the military star card and paid the balance on XX/XX/2021 but they are still reporting the debt to credit bureaus as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My name is XXXX XXXX We missed our first payment XX/XX/XXXX to Mr. Cooper mortgage . we enrolled in Illinois hardest hit program which helps homeowners who are behind or struggling with their mortgage. by XX/XX/XXXX or balance was {$6200.00}. We were approved. And received payments. On XX/XX/XXXX we received 5 payments, four payments of {$1500.00} and one payment of {$5400.00}. Totaling {$11000.00}. On XX/XX/XXXX we received two more payments one for the amount of {$1600.00} and one for {$800.00} totaling {$2400.00} with a grand total of {$14000.00} minus the {$6200.00} balance owed leaves a overpayment of {$7800.00}. We have never received a statement of a zero balance even after we were up to date on our payments. On XX/XX/XXXX we received a statement reflecting we owe a balance of XXXX we are still waiting for them to apply the {$7800.00} that we are owed. We have tried on several occasions, dozens of phone calls to resolve this. Even after showing them the statements that they provided us showing they received the payments, they still are forcing us to prove they received the payments by asking for a statement from Illinois hardest hit program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: PENTAGON FEDERAL CREDIT UNION
State: AR

Complaint narrative:
XX/XX/2021 at XXXX XXXX, I got a text message from XXXX about a fraud alert in the amount of {$140.00} to PenFed Credit Union. I called XXXX and told them that the charge wasn't valid. On XX/XX/2021, I got a form from PenFed CU in the mail showing a new account number and thanking me for joining. On XX/XX/2021, I got a letter in the mail from PenFed CU that said a stop pay request was placed on a check. On XX/XX/2021, I reviewed my credit report and saw the PenFed CU account on it, with a XXXX balance. I put a dispute on my XXXX information. On XX/XX/2021, I called PenFed CU and was told that there was an account under my name and social security number, but that it had a different email address as a contact. I put in an identity theft report with PenFed CU.

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 2021-05-07 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I don't believe my late payments were filed correctly. I have more late payments than I should actually have reporting on my credit. I wrote letters trying to fix the problem and I haven't got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have paid an absurd amount of fee to Wells Fargo in the last year, and in the last month alone they have charged me over {$700.00} in fees There should be a cap on how many fees they can charge this hurts so much and I am unable to make payments on my bills

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 2021-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
After ive sent my FTC report, a 609 letter and my Affidavit of ID theft, ive contacted XXXX and Transunion and asked them to confirm if they have received those documents and they stated that they did received them .They are refusing to block or removed the fraudulent account as the Law says which is a violation in Section15USC1681C2 of FCRA. They said there is nothing they can do about blocking it or removing it 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 2021-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On Friday XX/XX/XXXX, I was scammed by someone I thought was an employee of XXXX. I was on the phone attempting to reverse a charge. They had me download an app called " XXXX XXXX '' where they were going to " verify '' my charge. I started to get suspicious and the person hung up on me. I then called my bank, Wells Fargo, and explained what was happening. They closed both my checking and savings and opened new accounts for me. Over XXXX was taken from my account. Wells Fargo was " investigating '' a {$500.00} XXXX charge that the scammer sent while inside my banking information. 

I was in the middle of a move from XXXX XXXX to XXXX XXXX I had no debit card. I had no access any of the funds I lost. If not for my fb friends, I would have had no money to move with. 

Today after calling Wells Fargo, I heard that my claim was denied. If this wasn't fraud, then why did the first employee I talked to close both my accounts? Why am I being penalized by not getting my money back.

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 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/2021, I became a new customer at Mr. Cooper mortgage servicing. On XX/XX/2021, I made an online payment of {$1300.00}, plus an additional {$500.00} for principal reduction. For a total online payment of {$1800.00}. On XX/XX/2021, a withdrawal occurred from my XXXX XXXX XXXX XXXX XXXX ( XXXX ) checking account for {$1800.00}. On XX/XX/2021, I checked my Mr. Cooper account # XXXX it showed double payments of {$1300.00} and double payments of {$500.00}, totaling {$3600.00}. However only one payment of {$1800.00} has been withdrawn from my XXXX as of XX/XX/2021 @ XXXX hours PDT. 
I called Mr. Coopers customer service 800 and spoke extensively ( over 45 minutes ) with a representative about this issue. She could not guarantee that the second withdrawal would NOT be made. She did not know if this was an account specific issue, or a global system problem. 
Not wanting to deal with a potential NSF check/withdrawal I transferred funds to my checking account to cover a second withdrawal should it occur. See screen PDF capture.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
I underwent XXXX and paid out of pocket. Before the procedure I inquired about the price and was given a price in writing. The morning of the procedure I was asked to pay {$420.00} more than I was told. I paid under duress and told them that I disputed the price difference. They told me to contact the doctor 's office who gave me the price. I contacted them after the XXXX and they said to speak with the XXXX center, who sent me back to the doctor 's office. I disputed the price difference of {$420.00} with my credit card company because I was told the price well in advance and it's not my fault they were wrong. I received the first collection letter from this company dated XX/XX/XXXX and immediately replied in writing asking them to validate the debt and to cease all collection efforts. THEY CONTINUE TO HARASS ME VIA EMAIL in direct violation of my written request for them to cease contacting me in accordance with the FCRA. I have received email correspondence from them as recently as XX/XX/XXXX. In XX/XX/XXXX, the administrator of the doctor 's office who initially gave me the quote sent me proof that the account was zeroed out. In XX/XX/XXXX, I discovered that this company FRAUDULENTLY reported the account as delinquent to XXXX. I initiated a dispute and they removed the item from my credit report. Now, in XX/XX/XXXX, I just learned that FOR THE SECOND TIME, they have reported this account as delinquent to a DIFFERENT reporting agency, this time to XXXX. This company is using FRAUDULENT AND DECEPTIVE collection tactics to collect money which is was never owed. The most recent report to XXXX already resulted in me being denied for a credit card.

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 2021-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: WA

Complaint narrative:
Problem with Crypto.com and their associated bank ( XXXX XXXX XXXX ) Wire transfer from XXXX XXXX XXXXXXXX on XX/XX/21 for amount of XXXX USD is missing and beneficiary bank is claiming they have no evidence of reception. I am concerned that I will never see my funds again. This represents a massive sum of money for me I need your assistance in recovering this. 

XXXX  XXXX : XXXX Beneficiary bank : XXXX XXXX XXXX  Routing : XXXX Beneficiary name : Crypto.com Acct : XXXX It seems from online chatter this Bank, or crypto exchange has been having a number of problems just like mine. My issue is not unique unfortunately.

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 2021-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I went to the my local branch of the Huntington bank and I applied the XXXX XXXX credit card on XX/XX/XXXX using my BUSINESS information ( LLC ) only. I was NOT told that Huntington bank would check my PERSONAL credit score for this application of the business credit card at that time. I did NOT sign any document to authorize Huntington bank to pull out my PERSONAL credit score as well. 

On XX/XX/XXXX, I surprisingly received a notice from XXXX XXXX that there is a hard pull requested by Huntington bank to check my PERSONAL credit score at XXXX. 

On XX/XX/XXXX, I was told that my application of the BUSINESS card was denied. I called Huntington bank and I was told that the application is denied because my BUSINESS does not have the sufficient score. 

I am fine with the result and the explanation. But I do NOT understand why Huntington checked my PERSONAL credit score without my authorization. Then I called the Huntington bank again to ask the reason. The representative told me that my BUSINESS has no sufficient score and then they checked my PERSONAL score. My PERSONAL score is very good but the application decision is made based on my BUSINESS score. 

I did NOT like the response from the Huntington bank. 
First, they do NOT have my authorization to check my PERSONAL score for the application of the BUSINESS card. I was not asked for my social security number during the application of the BUSINESS card. They have my social security number because I have a checking account with Huntington bank and my social security number is on file. 
Second, the application decision is made based on my BUSINESS score. They already knew my business has no sufficient score and my application must be denied. Why did they continue to check my PERSONAL score? It is a useless action and its only purpose is to hurt my PERSONAL credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Planet Home Lending, LLC., ( hereafter " The Company '' ) mislead me to believe I could qualify for an FHA loan for the amount of {$640000.00} USD and had me remove contingencies putting a deposit of {$8000.00} USD at risk. This company never ran my spouses credit and said I wouldn't need to, then strung me along for weeks convincing me that this loan would go trough, even though I have since found out this goes against FHA guidelines in my state of residence/purchase. Also, their handling of this situation was very poor, their final response to an email sent to them was simply " ok '', VERY unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USCB Corporation
State: TX

Complaint narrative:
I was advised that would send to their manager for review

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 2021-05-07 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
The CFPB closed my complaint with this company. The inquiry they put on my credit is fraudulent and the information used was incorrect so again, I want it removed from my report. Chase sent me a letter in the mail saying I was denied credit for various ( untrue ) reasons, and they said the date it was calculated was XX/XX/2021. My credit score as of today ( XX/XX/2021 ) is XXXX according to XXXX. So not only was I incorrectly denied when I requested my removal, I also had them place a hard inquiry on my credit report for someone that isn't me. I've tried calling them multiple times and they have been no help, so here I am trying to get all these random inquiries off of my account. Either someone has stolen my identity, or someone isn't telling me the truth about my accounts. This is the first of many inquiries I have to take care of and that I have proof of incorrect information which is a good sign of XXXX XXXX. 

I've even attached the letter they sent to my old home in the mail. The address they have on file from when I used to have a Chase checking account a couple years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
HELLO IVE BEEN TRYING TO REACH OUT TO THE THREE CREDIT BUREAUS.

ABOUT THESE INACCURATE NEGATIVE ACCIOUNTS THAT I BELIEVE ARE NOT MINE. IVE ALWAYS HAD HEALTH INSURANCE AND THERE WAS AN ACCOUNT OF XXXX XXXX THAT I REPORTED TO THEM THAT I HAD BEEN A VICTIM OF IDENTITY THEFT. THEY HAVE NOT CONTACTED ME AND I HAVE A LAWYER WHO IS WORKING WITH 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
Consumer complaint received 2021-05-07 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I was Victim of Identity theft as a result several account appear in my report that are fraudulent and not mine i have send these company all document of the illegality of these account XXXX refused to removed these account from my report and continuo to report then AMERICAN HONDA FINANCE # XXXX. 
XXXX XXXX XXXX # XXXX 
XXXX XXXX XXXX # XXXX 
XXXX XXXX # XXXX 
These account are fraudulent and not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07 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: TX

Complaint narrative:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

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 2021-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
Hello, I hope this document gets to the right department. 

I have been working in a short sale since XX/XX/2020. 

Now I just received a {$9000.00} water bill for XXXX XXXX thru XXXX XXXX and the property has been vacant since XX/XX/2020 no tenancy. 

Since the Covid-19 Disaster my tenants moved out and now theirs a {$9000.00} water bill and if I dont get this removed. 

My short sale is dead. 

I did my best. 

XXXX 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 2021-05-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received a wrist of garnishment from a company called Asset acceptance this garnishment is a fraud. I dont know what kind of deb is that. And I saw a case again me in court that was closed. The date of that case is XX/XX/2010. I assumed that company bought a deb but I still dont know which one. But Given the case the statue the limitation is expired and I earn less than {$750.00} per week and the they are taking money from my check. I don't know how they allow this scam company to do these frauds. I never received a judge resolution and this company is taken 25 % of my salary. I attached a copy of my paycheck.

Company response to consumer: Closed with explanation