vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The rejection I received for my Loan Modification does not make sense. I signed up for mortgage a forbearance program to help us while we were waiting for our Loan Modification. One has nothing to do with the other. Forbearance does not replace Modification, therefore using that as an excuse is illogical. The other reason that was stated is " we can not grant you a Loan Modification '' is not reason. I really did not receive a valid answer for my denial. 
Here are the facts, over and above all the documents I submitted ; I will be XXXX this XXXX. I am still working as a XXXX XXXX, since we are on Social Security only. All my bookings for XXXX got cancelled and refunded and I will not get any more business for this year, and XXXX is in question. I can not apply for Unemployment, since having a small business I did not draw a fixed salary, only paid myself whenever there was money in the account. I can not get financial support for my small business either, since I do not have other employees. I had a 3 % mortgage for the first 5 years of my initial Loan Modification, the interest rates are low enough for me to qualify for the same rate again. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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 — Problem with personal statement of dispute
Company: Caliber Home Loans, Inc.
State: IL

Complaint narrative:
We have been a home mortgage Customer with Caliber Home Loans for more than an year and recently refinanced with themselves right during COVID19. They reported 1 day late payment to all 3 credit agencies which hit my credit score heavily which is adding mental stress on top of all COVID lockdown, pandemic related health concerns and managing family to stay safe. 

1. The whole world is in lockdown during this late payment time and we are unable to perform our normal tasks and live normal life. 
2. They never sent a single email even they captured our email during financing. 
2. They sent letter in postal mail about pending payment but due to COVID safety and health concerns we are unable to open the letter on time due to quarantine. 
3. They do have all our Bank information where they are withdrawing from last year and we are unaware of their stringent rules that I have to manually re set up Bank information. 
4. This is only first payment after refinancing and they did not communicate me on time and in right channels. 
5. Their phone calls are mixed with marketing calls and unable to differentiate between all their calls are coming from same number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I disputed this account and nothing was sent to me to legally verify this account that i truly belongs to me and that the company has the right to legally collect the {$210.00}. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I requested for my FHA PMI to be taken off because I thought I met all the requirements. I received a letter from wellsfargo stating that I have met the 78 % LTV and the five year requirement but have payments more than 30 days past due in the last 12 months. I was never late on any payments except for when Covid 19 started when my wife lost her 2nd job because of Covid and put our mortgage in forbearance. Fortunately we were able to recover right away and current on our mortgage. I didn't know that this can also affect me eliminating my PMI. This was never disclose that PMI will be affected. Wellsfargo was giving me the run around saying that FHA will not let me cancel PMI which I believe the lender is the one who benifits from PMI and not FHA. Wellsfargo been making excuses for me not to get rid of PMI even with our equity been up because of renovations 80 %.

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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
My Mortgage was transferred to PennyMac.The previous mortgage company didn't require HO-6 insurance, but PennyMac does. After notification from PennyMac, I purchased the HO-6 insurance starting XX/XX/2020. However PennyMac further requested insurance evidence between XX/XX/2020 and XX/XX/2020 and enforced a {$160.00} insurance premium on me. The process is unfair given the fact PennyMac didn't inform me to purchase home insurance before finalizing mortgage transfer. During all communication PennyMac didn't inform me the proper duration and starting date insurance either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC
State: CA

Complaint narrative:
I had a Visa credit card and fell on hard times but continued to stay in contact with them. Visa sold my account or debt to Jefferson Capital Systems , LLC. My bank account was levied in XX/XX/2019 and I was not formally notified by Jefferson Capital Systems , LLC to appear in court to dispute this judgement. I filed a claim of exception to appeal this decision to the levying officer and Jefferson Capital Systems , LLC never responded therefore allowing the levying officer to authorize my bank to release my account from a month long hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  all of them online collections gravel are account resolution services XXXX XXXX XXXX XXXX filed to the 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 explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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:
XXXX XXXX XXXX XXXX all of them online collections gravel are account resolution services XXXX XXXX XXXX XXXX filed to the 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 explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient is incorrectly handling payments and providing incoherent responses to complaints. From " When approved for an IBR '' to " Interest accrues daily on your loan. '' is already known and does not address the issue at hand. Provide method for review to confirm payments were applied accurately. Provide the evidence stated by Navient " We've confirmed that you updated your account preferences on XX/XX/2020. '' The correct amount due for XXXX is {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: CA

Complaint narrative:
I was at XXXX today XX/XX/20 and I had my credit ran because I was trying to finance some phones but I was not approved to do so because when my credit report came back it had a few accounts in negative standing ; The account names and number are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. None of these accounts belong to me ; I did not open them nor did I give anyone permission to open these accounts on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I don't know who is responsible for these accounts nor am I affiliated to nay of the companies listed above in any way.

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 2020-07-16 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: CA

Complaint narrative:
I was at XXXX today XX/XX/20 and I had my credit ran because I was trying to finance some phones but I was not approved to do so because when my credit report came back it had a few accounts in negative standing ; The account names and number are XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX. None of these accounts belong to me ; I did not open them nor did I give anyone permission to open these accounts on my behalf. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I did not contribute to any payments that might have been made towards these accounts. I don't know who is responsible for these accounts nor am I affiliated to nay of the companies listed above in any way.

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 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I was contacted by The Receivable Management Services LLC ( aka RMS ) sent me a letter stating that I owed money to my former university. I have been living in the USA since XXXX, and they're saying I owe this debt from XXXX. How is it possible for me to attend a school in XXXX ( that doesn't offer online coursework ) when I'm here? 

I contacted them to ask for proof of the debt, and they had no issue sending me another letter saying I owe them money but never called me back or validated the debt.

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 2020-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Called Receivables Performance Management LLC because a new collection popped-up in my credit report. I spoke with an initial representative and told her I wanted to pay the bill but I had some questions about the credit reporting, since they never contact me either mail or phone, I never had the opportunity to pay it or dispute it so I was asking for the deletion of the trade line on my credit report. 

I ended speaking to a " manager '' a lady who pushed me very hard to try to collect the debt, I explained that I want to pay the bill but is unfair for me to keep a collection account that I never knew about it and I was asking for the deletion on my credit report. This lady just wanted to get my credit card number, at some point I thought this was scam but I got the phone number from my credit report. 

The " manager '' threat me with destroying my credit since " I am refusing to pay the bill '' I clarify her statement since that wasn't true, I was asking for time to think about keeping a paid collection in my credit report, I told her I never received a letter form them and she said they mailed to my address, but then she changed the name of the street ( more suspicions to think it was scam ) In a recording call she changed the name of my street address and claimed they sent notifications. She ended the call telling me SHE WILL NOTE IN THE ACCOUNT THAT I AM REFUSING TO PAY AND IT WILL DESTROY MY 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 2020-07-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I want to have my account fixed. I want to use my XXXX XXXX  app.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
The lenders were switched and I was not notified to be able to make the first payment on time. I did not realize the lenders were switched until the late hit my credit report. The late is effecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: TX

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXXXXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, DPT EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I made a purchase via sellers website XXXX XXXX XXXX on XXXX using Chase Freedom Unlimited Visa Card. I bought the coffee machine for {$430.00}. The seller gave the tracking number for the shipping but I never received the item. So, Ive contacted XXXX customer service to verify the delivery. The XXXX checked the tracking number provided by the seller. The XXXX said that the package was actually originated from the XXXX not from the seller and the shipping label says the recipient is not under my name but someone elses name. The XXXX also verified that recipients address is not mine on the shipping label. 

So, the shipping company says the package isnt under my name nor under my address. 
XXXX says the seller is some type of fraud and suggested to report to the bank. I reported the seller to FBI and as of now the sellers website is down. 

Later I found out the seller used the bogus shipping tracking number to trick everyone. Because I made purchase on XXXX, but the shipping tracking number says delivery date is the XXXX. 

I disputed the charge with credit card company, but the Chase said the charge is valid even though I provided evidence that the package was delivered to someone else. I talked to the supervisor but he would not take any further actions. 

I think the Chase is trying to pass down the loss to me which isn't fair and I am not sure if this is legal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-16 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:
FTC Violations FTC Action Halts Operation That Billed More Than {$25.00} XXXX to XXXX XXXX XXXX and Credit Card Accounts without Their Consent XXXX XXXX, 2013 FOR RELEASE TAGS : payday lending Bureau of Consumer Protection Consumer Protection Credit and Finance Payments and Billing At the Federal Trade Commissions request, a federal court has temporarily halted an operation that allegedly used an intricate web of concealment to debit hundreds of thousands of consumers bank accounts and bill their credit cards more than {$25.00} XXXX without their consent. The court also froze the defendants assets and appointed a receiver to control the business pending trial. 
According to the FTCs complaint, the XXXX XXXX XXXX defendants targeted financially vulnerable consumers who had never come in contact with them, and without authorization debited their bank accounts and charged their credit cards, usually for about {$30.00}. Those who disputed the charges were told they had purchased something, such as financial counseling or loan matching services, or assistance in completing a payday loan application. How the defendants got the consumers financial information is not known, but some consumers had recently applied for payday loans via the Internet, and entities that receive payday loan applications often sell the information to other parties. 
XXXX XXXX XXXX  {$4900.00} XXXX - Card Service {$7500.00} XXXX XXXX XXXX {$380000.00} XXXX/XXXX  {$10000.00} Never live at XXXX XXXX XXXX XXXX XXXX, NY 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 2020-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, DPT EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2020-07-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX   XXXX, XXXX, DPT EDXXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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