vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: HOA Collections LLC
State: NV

Complaint narrative:
HOA Collections LLC received a debt validation letter in XXXX ( attached ) and ignored it. We obtained a judgment against them ( attached ). They have recently indicated their intention to attach a lien to our home, when, they have no standing, no privity of contract, have violated the FDCPA, XXXX XXXX and/or XXXX XXXX XXXX we are both seniors ), as well as the XXXX XXXX to the United States XXXX XXXX " In Suits at common law, where the value in controversy shall exceed twenty dollars, the right of trial by jury shall be preserved, and no fact tried by a jury, shall be otherwise re-examined in any Court of the United States XXXX than according to the rules of the common law. '' Furthermore, Federal Law states : The use of fictitious addresses ( ALL CAPITAL LETTERS ) in a private individuals names or a ZIP CODE against the individuals wishes is a crime under Title XXXX XXXX. Section XXXX, XXXX XXXX XXXX. XXXX, XXXX, XXXX, and is punishable by up to 15 years imprisonment and {>= $1,000,000} names or fine. '' XXXX XXXX is a XXXX man XXXX, and has engaged in at least a half dozen instances of mail fraud, as well.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have 5 student loans from Navient and loans have been in forbearance. I have access to credit bureau apps now and have noticed that I have student loan lates from XXXX. My student loans were in forbearance and I sent an email replying Yes to keep in forbearance to keep them that way. I have always been proactive to keep loans in forbearance and have also proactively entered a repayment for XX/XX/XXXX. I had to call to resolve this after receiving mail it was not in forbearance and this was resolved but the lates still appear on my credit report. This is the only negative item on my credit report and I do not want this to impact my creditworthiness as I am now looking to buy a home. Please remove incorrect lates from report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
This debt was scheduled to be removed with the credit bureaus by XX/XX/XXXX. I disputed this on XX/XX/XXXX and the credit bureaus never removed it. I am asking that you help me investigate why the credit bureaus didn't remove this from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have a victim of Identity fraud I've provided all documentation at the police reports. i.e. Identity fraud packet from the federal trade commission and documentation that's been notarized. Navient and XXXX refuse to validate the debt they will not send me anything with my name on it with my signature saying that. 

I signed the promissory note it's been going on since XXXX is XXXX this is fraud experience is helping them commit fraud Navient won't dismiss the debt but yet still they won't validate the debt which is of a violation of the fair reporting at the committing fraud I'm taking legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Since the pandemic started we've continued to request Mr. Cooper to lower payments and/or interest rates. We have remained in XXXX with no relief because if we can not afford the payment to the trustee, the filed of dismissal will then turn into foreclosure. Our attorney has not been able to assist, but did tell us Mr. Cooper refused to lower payments because we refused to accept a forbearance which would only place payments at the end of the loan. Our attorney advised against this. Afterwards Mr. Cooper has turn down every request made to them including lowering interest rate that gives them {$700.00} in payments, and only {$200.00} towards our principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
XX/XX/2020 I was at XXXX and paid XXXX to be put on my PayPal account and PayPal never put my money on my account. XXXX checked their side out and it was sent to PayPal and paid but my account never received the added transfer. I have recipe for my purchase transfer. Immediately PayPal voided out my Paypal debit money card the same time when I called them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: INTERFIRST MORTGAGE COMPANY
State: CO

Complaint narrative:
I requested a Payoff statement on XX/XX/2021. Instructions directed me to send a cashiers check to a particular entity ; Chicago Mortgage dba Interfist. I sent the check but Interfist endorsed it incorrectly, due to their servicing company : XXXX XXXX. Since the endorsement didn't match the " Pay to '' the bank flagged the check and put a HOLD on it. Now, Interfirst refuses to give me the check back or correct the endorsement and insists that my account is overdue and I should WIRE THEM THE MONEY AGAIN. They have {$290000.00} of my money and it has not been credited back to my bank ( XXXX XXXX  XXXX ) Interfrist Acct # 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 explanation
Consumer complaint received 2021-11-09 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: MA

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. 
This has caused me financial injury. 
This has caused me defamation of character. 
I can't get a job. 
I can't get a loan during this pandemic. 
You have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 {$3200.00} was stolen from my account by way of an unauthorized wire transfer from a fake real estate company that scammed me into providing my account and log in info for wage verification purposes. I made a police report and the police said this landlord has also scammed several other people online. They are looking for XXXX XXXX of XXXX XXXX to arrest him for real estate fraud and theft. I requested help from the bank Wells Fargo where my was stolen funds were deposited but they said the reason I was only able to get back {$480.00} is because the account where the money was stolen had only {$480.00} left in it. Im asking for help to get the remaining balance of the {$3200.00} which is {$2800.00} please. I have been trying to get assistance with this for 6 months and Wells Fargo still wont return the rest of my funds. My account is XXXX XXXX XXXX XXXX. Please help.

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 2021-11-09 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I MADE A PAYMENT TO THE CC COMPANY AND THEY CREDITED TO MY ACCOUNT AS A PAYMENT LIKE NORMAL FOR THE AMOUNT OF {$4200.00} ON XX/XX/2021. THE PAYMENT DID NOT CLEAR MY BANK SO THEY CHARGED MY ACCOUNT BACK FOR THE PAYMENT ON XX/XX/2021 NOT ONCE BUT TWICE FOR THE {$4200.00}. THE FIRST CHARGE BACK I AM NOT DISPUTING- THE PAYMENT DID NOT CLEAR MY BANK BUT THEY CHARGED IT BACK TO MY CREDIT CARD AS A CHARGE ON XX/XX/2021 TWICE FOR {$4200.00}. I BEGAN CONTACTING THE COMPANY IN XXXX. AND HAVE CONTINUED TO CONTACT THEM SINCE WITH NO RESOLUTION. THEY DID SEND A REFUND CHECK FOR SOME REASON BUT THEN CHARGED MY ACCOUNT FOR THE AMOUNT OF THE REFUND CHECK WHICH RESOLVED NOTHING ..... 

I LABELED THE ORIGANAL PAYMENT AS 1 THE CORRECTED CHARGE AS 2 AND THE INCORRECT OVERCHARGE AS 3 ON THE ATTACHED STATEMENT.

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 2021-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX  has sold an alleged debt to a third party creditor. My personal information was passed on without my consent.

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 2021-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Balance of {$5600.00} was charged to card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Phone XXXX, even after XXXX order was cancelled. No work was done. Nothing is due.Card was cancelled and closed by phone call to Wells Fargo Bank at same time. Card was issued by Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX, IA XXXX. Card Account Number XXXX. 
Wells Fargo Bank Phone Number XXXX Nothing is due. No work was done.

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 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
Cfpb, I am wrongfully being threaten with mandatory State pre-foreclosure notices by my mortgage company Nationstar/ Mr.Cooper. My Loan is current and in good standing. I am not in default on my loan, and I am not in a active bankruptcy. Cfpb, Look at my XXXX and XXXX XXXX and XXXX Credit Reports. My bankruptcy was removed from my credit report in XXXX. Cfpb, Look at the Terms and Loan Type on these reports. Compare it to my XXXX Credit Report XXXX. Under my modified Home Affordable Modification Agreement. [ The terms ] of this Agreement and [ Loan Type ] has been changed on my XXXX Credit Report XXXX. They have been changed to the old terms before my modification. My Transaction Payment History has been Altered. Transaction number ( XXXX ) is my Loan Modification REF # XXXX, Effective date XX/XX/XXXX. Principal {$49000.00}. Escrow {$430.00}. Total Amount XXXX. This information is on my Mr.Cooper Detail Transaction History. Date is XX/XX/XXXX. On My Mr.Cooper Transaction History dated XXXX XXXX Transaction number ( XXXX ) has been Altered. Transaction ( XXXX ) now says Defer Interest. Transactions XXXX have been Altered.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I participated in the COVID forbearance program offered by US Bank, the problem is that we signed and next day aired paperwork to them on XX/XX/2021 to exit the forbearance program and now Im in the process of refinancing with another lender who requested the exit letter from our bank so over 6 months has gone by and they havent done this yet. Weve also been calling and making payments for the last 6 or 7 months and every month they told us theyd have it fixed by next month, now my refinancing is in jeopardy and interest rates have gone up, I feel we were mislead we werent able to pay online and had to call in every month to pay and come to find out they arent even applying the payments, theyre putting them in some holding account, we were told that once we returned the signed papers that all wed have to do was make 3 payments before being able to refinance no one mentioned that this process could or would take 7 months to complete, any help you can provide would be greatly appreciated, thanks.

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 2021-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Multiple phone calls 2 loans from XX/XX/XXXX, one for XXXX, another XXXX settled in XX/XX/XXXX with {$0.00} balance. They were off all 3 company reports for few months before reappearing on all except XXXX XXXX. XXXX XXXX eventually came back as well and all 3 are on it ... .. Not only were they already taken care of and closed in XX/XX/XXXX, AND then the IRS withheld my XXXX income tax return of over XXXX to the Dept of Edu . The 2 fed loan are the same 2 as dept Ed. There is not 4 loans. They have been closed with {$0.00} balance even BEFORE my Tax return of over XXXX was withheld and paid to the DOE. 

The 3 XXXX XXXX charges stem from an ambulance ride back in XXXX of XXXX. How they charge u for 3 bills for one ride, who knows. These were covered and paid by XXXX. They were removed and then came back. I've tried multiple times going in circles. It's frustrating when u spend hours and hours to finally get these errors taken care of, only to pop goes the weasle, they're back. Please help. Thanks

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 2021-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: GA

Complaint narrative:
Credit Reporting Agencies and Collection Agencies violated the Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
On XX/XX/XXXX an approved charge was made to my account in the amount of {$2500.00} USD. Subsequently, I paid my credit card balance in full on XX/XX/XXXX in the amount of {$3000.00} USD. The merchant later refunded my initial purchase of {$2500.00} USD on XX/XX/XXXX leaving my account with a large credit balance of {$2500.00} USD. 
After speaking with multiple representatives via phone and chat, I understand a technical glitch exists in their system that does not permit me to be issued a refund check for the overpayment ( credit balance ) because of a payment installment program I have for unrelated merchandise that will complete sometime in XX/XX/XXXX. Although the payment installment plan allows for an early payoff, Goldman Sachs can not process this because of the existing overpayment. I was informed that my only solution was to allow the installment plan to complete naturally in XX/XX/XXXX and then request a refund check for any remaining amount. 
Although I understand the technical limitations involved, neither reason should prohibit the exercising of my rights guaranteed by the FTC : promptly credit or refund overpayments and other amounts owed to your account when your account is owed more than XXXX XXXX. If you prefer a refund, it must be sent within seven business days after the creditor receives your written request. 
Today, XX/XX/XXXX I send a certified letter requesting this refund check be processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
To whom it XXXX concern, XXXX My name is XXXX XXXX the above is my account number for XXXX furniture through Td Bank I have paid this account every month since Ive had it my about 5 months. My original credit limit was {$8000.00}, I used XXXX. The month of XXXX I made a payment in the beginning of the month I usually make XXXX payments a month. I had a problem with my bank when the extra second payment was taken out, It did not go through, however I had already made a payment at the beginning of the month. Your company took away my {$8000.00} credit limit, changed it to {$600.00} total limit and my balance is {$720.00}. Im extremely upset about this because it dropped my credit by XXXX points in less than 10 days hurting my credit reporting. I am now over my limit and my ratio is 100 % plus. I did not miss a payment the second payment didnt go through. I was told by XXXX XXXX XXXX that I would have to have my credit XXXX again. I am in the middle of refining my house and I do not want my credit pulled nor do I want this to affect my credit and it will, simply because you now lowered my credit utilization ratio. All of this happened within a nine days. I am requesting that you change my credit limit back to the {$8000.00}. I have paid every single month even this month it was the second payment. Please respond to me either via email or XXXX. 
This matter is extremely urgent because I am in the middle of a refi please call me as soon as possible. 

Sincerely, XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I continue to attempt to resolve this newly inserted comment with Experian and they continue to beat around the bush and do not provide a clear and precise explanation as requested. They continue to report " Too Many Consumer Finance Company Accounts '' on my credit file yet fail to tell me what they are. I have not had any new accounts opened nor have I owned any accounts such as payday loans or lines of credit extended to me as distressed consumer. Despite me using less than 1 % of my available credit and paying off my auto loan my score dropped significantly. This again is a newly inserted comment on my credit file, this comment use to never be there. This is creating an adverse action on my credit file and is lowering my score. This is a defamation of my character as it implies I am borrowing at subpar terms and may be considered high risk. Additionally my mortgage payments have not been updated in my file.

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 2021-11-09 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:
I've informed TransUnion via the CFPB on XX/XX/XXXX and via the USPS certified mail on XX/XX/XXXX that I have become a victim of identity theft. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship and discouragement. 

I sent a dispute notice with supporting documentation, i.e ; FTC Report, Police report, etc., yet the fraudulent accounts remain on my consumer report. I have received a USPS return receipt signed by TransUnion LLC on XX/XX/XXXX, which is proof that TransUnion has received my dispute and that I do Not agree with the response from TransUnion via the CFPB. 

The fraudulent accounts on my consumer report are inaccurate and have not been validated, pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA or removed pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ). Each time and most recently on XX/XX/XXXX TransUnion has responded by stating that an investigation with the furnisher of the information has been initiated and when the furnishing company provides their findings, they will send those results to me. As of XX/XX/XXXX TransUnion has not provided me with those results nor procedurally proper validation of the debt ( s ). A copy of the consumer credit contract and/or bill is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account

. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P.2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32 , ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr. 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.1 ( 1986 ). and Solon v. Godbole, 163 Ill. App. 3d 845, 114 Ill. Dec. 890, 516 N. E.2d 1045 ( 3Dist. 1987 ). Pursuant to 12 CFR Part 1022 Subpart M 1022.120 1022.129, TransUnion is in violation by not responding to my notice of Identity theft within 30 days.

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