vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.

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 2020-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit report that should no longer be on there. I settled this debt back in XXXX but the account is still reporting a balance to my credit. This needs to be removed as it is reporting inaccurately, I have already settled this.

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 2020-01-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint Mortgage has refused to give back almost {$3000.00} due to the family after the passing of the father and the sales of the house and settlement of the estate. They issued a check incorrectly in the name of the deceased which could not be cashed as it was not written ( as directed by the estate attorney ) to the Estate. After multiple attempts to resolve the issue, we escalated with the ConsumerFinance.gov website and received an incorrect resolution summary document ( attached ) from ShellPoint Mortgage which FALSELY states that funds were distributed via EFT, which they were not. No funds were distributed to any estate or personal bank accounts via EFT, and no checks were issued to the estate.

Multiple subsequent attempts to reach the bank for reply have gone unanswered. XXXX XXXX in the ShellPoint Mortgage compliance department has not returned multiple phone calls to the number that was outlined in their response ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IA

Complaint narrative:
On XXXX XXXX, 2020 I called to check why a payment had not been made on my loan through an " autopay '' service provided by Nationstar DBA Mr. Cooper. Looking at the web portal it was unclear to me whether a payment would be made in XXXX. The web portal indicated that the next payment would be made in XXXX. 

I called into the company 's phone system. The rep on the phone informed me that no payment had been made, nor was one scheduled for XXXX. I promptly made the payment using the web portal and took the word of the rep that the next month payment would be applied correctly in XXXX. 

I received a txt on the morning of XX/XX/XXXX. from my bank saying my account was overdrawn. Looking at my online statement it appears that Nationstar DBA Mr. Cooper withdrew two payments. 

I called back in again to inquire with the customer service team. On the call the rep acknowledged the double payment and that I had called in on the previous day. The rep said they could not refund the payment until it cleared my bank in 1-2 days. She said that any overdraft fee could be refunded if I was charged one and offered to call me back in two business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
I would like to file a formal complaint against DiTech Financial LLC. My ex-husband and I have a home that is currently still in both of our names. He and I both have remarried and my current husband and myself are residing in this property and have been since XXXX of XXXX. My current Husband & I have been actively trying to get the home refinanced into our names to make the place our own and freeing up my ex-husbands name from any responsibility to the place which also allows him to move forward. 
We have been corresponding with DiTech since the beginning of XX/XX/XXXX and are still currently seeking the documentation we need to be able to process this Mortgage. We have a lender willing to allow us to do so and the only thing holding us up is DiTech and their unwillingness to cooperate. All we need are copies of the actual mobile home ( 3 sections to the home ) ( 3 ) titles to the home on our mortgage which they hold. We have been told as much as they have to be requested which I have done ample times, to they are awaiting approval by a supervisor before they can be sent out, back to they have no titles showing, and we have also been told its not listed as a mobile home. Initially we were told it would take 7 to 10 days for the request to process. 
And then the time frame and replies kept changing. You never were able to talk to the same person twice for the most part. Even our Loan Officer that is assisting us has contacted them and they gave her the run around and was rude to her as well. I do not understand how you can be in the Business of holding peoples mortgages and not be able to produce this Documentation. Its not like we are buying something that can be returned! This is our home which blood sweat and tears has gone into not to mention the cost. I would GREATLY APPRECIATE ANY AND ALL ASSISTANCE IN THIS MATTER .... I feel as though this is a HUGE INJUSTICE to me as a Consumer. Rest assured if it was the other way around I am sure they would not be happy either and they would want their money. I HOPE AND PRAY THIS CAN BE RESOLVED SOON AND I HOPE THIS HELPS SOMEONE ELSE DEALING WITH DITECH IN THE FUTURE ... ..SINCERELY STRESSED OUT CONSUMER!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
on XX/XX/18 my XXXX  guest XXXX XXXX, claiming to be a XXXX/XXXX XXXX from XXXX, stole my credit cards and made a cash withdrawal advance. XXXX XXXX Mastercard is refusing to take it off my bill. I do not know how he guessed the pin number. 


XXXX police refuse to investigate. No answer from Secret Service or FTC

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 2020-01-03 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: Mobiloans, LLC
State: TX

Complaint narrative:
In XX/XX/2019, I filed a dispute with XXXX  concerning my MobiLoans account that is on my credit report. MobiLoans was involved in a class action lawsuit, along with several other lenders. As part of the class action lawsuit, MobiLoans was supposed to remove their information from consumers credit reports. XXXX  said they verified the information as accurate, which is impossible, because how can XXXX   verify this information as accurate, when a court order says it has to be removed. Either way two parties are at-fault here. Mobiloans is at-fault for not removing the information, and XXXX is at-fault for verifying something as accurate when it isn't.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Cooling and Winter, LLC '' hereinafter referred to as " the XXXX XXXX XXXX '' is a debt collector. On behalf of the XXXX XXXX XXXX, debt collector XXXX XXXX. XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of XXXX XXXX XXXX  ( XXXX ) XXXX. hereinafter referred to as " the Bank '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the Bank, I was served a summons by the XXXX County Sheriff 's Department who collects debts as a third party on behalf of XXXX County Superior and State Courts hereinafter referred to as " the Debt Collection Courts ''. On behalf of the Debt Collection Courts and the Bank, the service of summons by the XXXX County Sheriff 's Department was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the Debt Collection Courts, The XXXX County Sheriff 's Department violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX  XXXX XXXX  ( XXXX ) XXXX. ( the Bank ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

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 2020-01-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Today, XX/XX/2020, I checked my credit file and noticed I have 14 unauthorized hard inquiries. To my knowledge I have Never signed any documents authorizing these companies to pull my credit. I am working individually with each company to get them removed. 

These unauthorized inquiries are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Since these inquiries are unauthorized I have filled an Identity Theft Report with the FTC.

Included with this complaint are : FTC Identity Theft Report, Letter to Experian, FCRA 605b, Drivers License, Social Security Card, and Proof of Residency. 

These forms are to serve the purpose to identify myself which are required by the FTC for my Identity Theft 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 non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " Aldridge Pite Haan , LLP '' hereinafter referred to as " XXXX  XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX   XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " XXXX XXXX, XXXX, XXXX '' hereinafter referred to as " the XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the XXXX, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the XXXX, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX XXXX has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
On XX/XX/2019, I informed Santander Bank that I was cancelling the current home owners insurance policy and writing a new home owners insurance policy with another company. Santander requested a copy of the declaration page for the new policy which was provided to them by the new insurance provider. Santander confirmed receipt and approval of the policy. 
On XX/XX/2019 I received a letter from Santander Bank indicating that a review of the policy indicating the property may not be adequately insured. I notified the insurance company who immediately called Santander and received verbal confirmation the coverage was adequate and that the letter was sent out as a formality. I called Santander on XX/XX/2019 and also received verbal confirmation from XXXX ID # XXXX as no last names are provided. I asked XXXX to have a letter sent out to me confirming in writing that the coverage was adequate. XXXX informed me that Santander would not be sending a letter of confirmation. I asked to speak to a decision maker and XXXX said she would escalate to her supervisor to call me. I have yet to receive a call.

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 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have requested closing documents for the sale of my property which occurred on XX/XX/19. I requested the sale documents on two different occasions but have not received a response from Bayview Loans Servicing, LLC.

Nor have Bayview submitted all of the documents that were sent to me from XX/XX/19 to XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 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:
In XX/XX/2019, I filed a dispute with Transunion concerning my XXXX account that is on my credit report. XXXX was involved in a class action lawsuit, along with several other lenders. As part of the class action lawsuit, XXXX was supposed to remove their information from consumers credit reports. Transunion said they verified the information as accurate, which is impossible, because how can Transunion verify this information as accurate, when a court order says it has to be removed. Either way two parties are at-fault here. XXXX is at-fault for not removing the information, and Transunion is at-fault for verifying something as accurate when it isn't.

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 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 ) which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX XXXX XXXX XXXX XXXX '' hereinafter referred to as " XXXX  XXXX XXXX XXXX '' is a debt collector. On behalf of XXXX   XXXX XXXX XXXX, debt collector XXXX XXXX XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of " XXXX XXXX, XXXX, XXXX '' hereinafter referred to as " XXXX  XXXX '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the LLC, I was served a summons by a court process server which was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of XXXX  XXXX, the court process server violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. XXXX XXXX XXXX XXXX has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.

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 2020-01-03 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: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
On XX/XX/XXXX I was made aware of the XXXX  credit breach so i went on their site and found out my personal information was exposed during the breach. I then ordered my credit report and discovered there are accounts on my credit that I did not authorize. Please research the Amercian Express card that was opened in XX/XX/XXXX, and the XXXX  XXXX  that was opened in XX/XX/XXXX, and the XXXX XXXX XXXX account that was opened on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: CL Holdings LLC
State: OH

Complaint narrative:
In XXXX my husband and I were offered private student loans through XXXX XXXX in which would borrowed approx. {$70000.00}. My husband was injured on the job and became XXXX  XXXX. In XXXX, when the loans came due we used forbearance as our only option due to our financial situation. Around XXXX, We were informed through the mail that XXXX XXXX XXXX XXXX purchased the private student loan debt in which they aggressive sought repayment by filing for a judgement against us. They were informed through the court system that my husband was XXXX  XXXX and they still pursued the judgement. They also claimed that the debt we owed was well over {$200000.00}. Making any form of payment more than what my husband and I could afford. I found out XXXX XXXX XXXX had my bank account information and I was afraid of them freezing my accounts which would make it impossible to take care of our children therefore we are paying the loan through the watchful eye of Chapter XXXX bankruptcy. Do not take out private students loans! If you become XXXX the debt collection agencies do not care and will aggressively pursue you in court and ruin your life!

Company response to consumer: Closed with explanation