vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXX XXXXXXXX Mr. Cooper Loan # XXXX To Whom It May concern : Mr. Cooper has indicated in their most recentXX/XX/XXXX correspondence that the proposed post modification of unpaid principal balance of this loan is {>= $1,000,000} with a property value of {$360000.00}. In that same correspondence you refute any and all allegations of fraud, duel tracking and deceptive practices, yet it certainly appears deceitful, ( and that is putting it lightly ) to state the property value as {$360000.00} when the actual value of the home is {$310000.00}. A {$59000.00} difference is no little oversight. 

Please know that the value of this loan did not become so inflated without an improper origin. 
Deceptive practices such as disregarding homeowners ability to repay, high point adjustable rates and excessive fees, created an unsurmountable amount of debt for the borrowers ; and potentially a huge write off for the Mr. Cooper, if foreclosed. 

Mr. Cooper has consistently conditionally approved a short sale or Deed In lieu, because that benefits the lender, but what about the borrower who was deceptively lulled into a loan that was a against their best interest. A principal reduction modification is necessary in certain circumstances and/or with certain loans like this. With that said I am also making a request for mortgage information. 

And lastly, the borrower wants to keep their home. Principal reduction is the only resolution that can achieve that goal. Therefore, the borrower requests the modification denial be reconsidered with principal reduction. 


Please help us to appeal to with Mr. Cooper to reconsider the court order modification. 

Thank you, XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime bank closed my account for no reason and without notice. And I can't get in touch with customer service. I setup direct deposit for my work, now I can't receive money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I had a credit card go into collections. The company handling it is LVNV. They also have several other companies under their umbrella. I reached an agreement to pay less than what is owed. I paid the agreed amount, and they are still refusing to report it as such on my credit report. They are still trying to collect the amount that was suppose to be written off. I have all the correspondence and its over 30 pages, so I can not upload it. But I can send it via fax or USPS. I also have the proof that I paid the amount and that each check cleared the bank. I have bank statements, cancelled checks, as well as receipts from the company acknowledging that they received my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Personal Loan Service

Complaint narrative:
I have taken a loan from an online app named " XXXX XXXX '' of XXXX XXXX on XXXX XX/XX/XXXX which was due on XXXX XXXX but i repaid the amount on XXXX XXXX only as per their guidelines. Now as i have repaid the loan the company is denying of the repayment received. And also have not updated their system. They are sending fraud message to my contacts with my XXXX image attached. I made the repayment in XXXX installment XXXX and XXXX, on their XXXX XXXX- " XXXX XXXX XXXX '' registered as " XXXX  '' but the whole amount is paid. And now all the numbers have been turned off also no response is coming. And the overdue charges are being added even after repayment. They are demanding for repayment again and also threatening for the police complaint. Now the app is been deleted from playstore and also no customer service is working. They have the complete access of my contacts list. 

The customer service numbers are XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX My contacts have received messages from the number- XXXX I complained about it to the XXXX  company they said its not our issue try to contact merchant. Merchant, i.e. the loan company said we have not received the payment how will we refund you or update your payment. But the money is debited from my account also i have the proofs that i have sent the money to their XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A credit card was takiing out in my name with Bank of America. I have contacted Bank of America and we are in the process of getting it corrected. This definently is FRAUD. 
I did not open this credit card with Bank of America. I would like to have this taken off my credit report. 

Please keep me updated on the process of this complaint. 

Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was recently checking my reports and I am very dissatisfied with the outcome. Back in XX/XX/2021 of this year I notified Equifax of the illegal actions that were taking place dealing with my consumer reports. pursuant to 15 usc 1681b ( 2 ) without written consent Equifax can not furnish my information it is a infringement on my right to privacy. It is a federal violation. No consent is identity theft. I have never gave my consent to furnish any of my information, and I am aware that I am a federally protected consumer pursuant to title 15 chapter 41 of the united states code. I am not understanding how a data collection agency can ignore federal law, and continue to commit the same violations, and not respect the privacy of consumers. The Fair Credit Reporting Act was created by congress as a direct result of the impact this fake bureaus are causing by undermining consumers not just myself. I demand that Equifax delete the tradeline XXXX  XXXX pursuant to 15 usc 1681 c-2 block of information resulting from identity theft ( a ) 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. I am competent and understanding of my rights, and I demand that this information be blocked in deleted. I will submit documents required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I checked my credit report and saw someone opened a card in my name fraudulently with " XXXX XXXX XXXX XXXX . XXXX XXXX XXXX is attempting to collect a debt that isn't mine. There are also fraudulent inquiries on my profile as well & They are : XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX ( Finance ) XX/XX/2021 XXXX  XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021 XXXX XXXX XXXX ( Bank ) XX/XX/2021 XXXX XXXX  ( Finance ) XX/XX/2021. 
I have filed a dispute with Transunion and haven't heard anything back from them. I am attaching my Notarized Identity Theft Affidavit, My ftc report & police report! REMOVE THIS ACCOUNT AND INQUIRIES IMMEDIATELY!

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 2021-11-15 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I have tried reaching Wells Fargo multiple times and they do not respond. I would appreciate a follow up call as promised by my home preservation specialist, but she has not followed up.

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 2021-11-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Debt Recovery Solutions, LLC
State: VA

Complaint narrative:
XXXX illegally approved me for a payday loan. Virginia law prohibits more than one payday loan at a time. Virginia law also states that illegal loans do not need to be repaid.

Debt Recovery Solutions has placed this account as a collection on my credit report. This company never contacted me prior to doing this to give me the required 30 day debt collection notice. 

Despite XXXX having been told on several occasions that this debt can not be recovered, they continue to submit this to collection companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: DC

Complaint narrative:
Checks arrived in email from TD Bank in my name and with my address. Contacted bank to complain. Each time I was connected with fraud department I was put on hold for 30 minutes or more and subsequently hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
THE COMPANY CERTIFIED CREDIT & COLLECTION, PURCHASED A DEBIT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THIS TRANSACTION. 
ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only XXXX Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that XXXX the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I had a auto loan through XXXX previously and the bank was purchased by PNC. It took me months to actually get access to my account. I finally ( after being hung up on at least 10 times ) got access to my account, got logged in and made a payment. 6 days late... 

That said logged into my account for the second month and tried to make a payment. This time everything appeared normal, except when clicking on submit. Get an error on the page that said the payment couldn't be scheduled. Tried to do a second time, with same error. 

Proceed to try to add a new external account and it informs that I can't have the same account added twice in the online portal. Proceed to delete the original as following directions on the website, and it informs me I have scheduled payments? How could this be? Oh looky there, PNC has now two scheduled payments and 0 ways to unscheduled a payment. Payments they informed errored out so we submitted again. Yet they are still going through. Customer support is not available to fix the issue. 

PNC shouldn't be in charge of managing a XXXX yet alone peoples money and lively hoods. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
On XX/XX/2021, I made a reservations on XXXX XXXX at XXXX using my Citi bank Credit card. Amount was USD XXXX and I never been into the hotel and cancelled the reservations on advance. It is reflecting on my XXXX portal as Cancelled reservations. But I never received the refund. So I did disputed the charges with citi double cash master card. Citi gave me temporary credit and then they revered back stating they contacted the vendor and mentioned it is non-refundable hotel reservations. I am really stuck here especially during this pandemic time. With the Covid situation happening, I have cancelled the hotel reservation in advance but has been charged without utilizing their service. I request the consumer finance government team to help me to solve this issue and help me to get the refund. Thanks so much.

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 2021-11-15 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: MoneyLion Inc.
State: CA

Complaint narrative:
I'm a victim of ID Theft. Upon my husband 's death early this year someone got his phone number and used it to access his XXXX XXXX that had all our information. I put a credit freeze on my name. Somehow MoneyLion ignored the credit freeze and opened an account on my name that is NOT mine. Obviously the thieve is not paying the account. now my credit report is being damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on NATIONAL CREDIT SYSTEM ( Original creditor : XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
THE COMPANY TRANSWORLD SYS INC/XXXX  PURCHASED A DEBT FROM SOME OTHER COMPANY AND I WAS UNINVOLVED IN THE ILLEGAL TRANSACTION. PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING I AM NOT MY ALL CAPS NAME. I NEVER SIGNED A CONTRACT OR PROMISSORY NOTE WITH TRANSWORLD SYS INC/XXXX. XXXX, XXXX  & XXXX  ARE ASSUMED TO BE CREDIT BUREAUS BUT PURSUANT 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' means the bureau of Consumer Financial Protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
Midland Credit Management purchased a debt from XXXX XXXX XXXX  and I had no involvement with the transaction. I have reached out to the multiple times via USPS, and have a certified mail number XXXX asking MCM for information that shows I in fact owe this alleged debt ... .they have not produced this. 

According to 15 USC 3002 I am the natural person which means my name in all caps is not me. My name is XXXX XXXX. 

In 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection Bureau, XXXX, XXXX and XXXX are assuming to be credit Bureaus and their is only one bureau and that is the Consumer Financial Protection Bureau. 

Also, on XX/XX/, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress... in the payment of debts.

This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' Furthermore, I never agreed for my information to be shared with anyone at any time nor did I receive any disclosures and according to 15 USC 1681 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of XXXX  and strain and I demand that these accounts be deleted immediately or I will file for litigation. 

I demand that these accounts be deleted immediately or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to JPMCB CARD, but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation