vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
In XXXX, I bought my home with my VA loan and since then I refinanced it twice. Well over the years I been paying half of my mortgage for my primer home mortgage every two weeks. Well, since Mr. Cooper ( aka Nationstar Mortgage ) bought my last mortgage  company they claimed that I have miss paying my mortgage on time because their system is not equipped to receive my payment every other week. Therefore they charge me late fees but my original loan paper states that I am allowed to pay half of my mortgage every other week. Well, Mr. Cooper send a letter several times claiming they do not care and they require that I must sign a whole new contract with them before they even honor my original mortgage. 

On Tuesday XXXX XX/XX/XXXX, I received a letter dated XXXX XX/XX/XXXX from Mr. Cooper stating that my mortgage loan is in default again which is a total lie since several times a year they receive more then 2 payments in a month. Some months they receive 3 payments. Also each payment is actually more then half of my actual mortgage payment. The payment is actually {$50.00} more. 

My mortgage payment being made every other week is {$560.00} I filed a several complaints with the XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX Texas and the Veteran Administration against Mr. Cooper ( aka Nationstar Mortgage ) each year since they bought my mortgage with no resolve but Mr. Cooper charging late fees. 

I done research that Mr. Cooper has a very low rating as to handling VA loans. 

Mr. Cooper address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX partial account number XXXX. This car was totaled on XXXX. I have GAP insurance on the car covering any difference between the total appraisal and balance owing. Because of the delay in processing this payoff, the account is showing a 30 day delinquency for XXXX. 

The GAP agreement provides that the total balance due at the time the vehicle is totaled is what is covered. 

I disputed this with the three credit bureaus to have this late payment removed in that it is not my fault and completely the liability of the lender and their processing of paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have an account with XXXX XXXX XXXX XXXX partial account number XXXX. This car was totaled on XXXX. I have GAP insurance on the car covering any difference between the total appraisal and balance owing. Because of the delay in processing this payoff, the account is showing a 30 day delinquency for XXXX. 

The GAP agreement provides that the total balance due at the time the vehicle is totaled is what is covered. 

I disputed this with the three credit bureaus to have this late payment removed in that it is not my fault and completely the liability of the lender and their processing of paperwork.

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 2020-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
XX/XX/2020 I was hospitalized and unconscious. XXXX XXXX I filed a complaint with Chime because {$410.00} was taken out of my account from my stimulus check. It was a payment of {$350.00} and {$60.00} to someone named XXXX XXXX I dont know this person. I have disputed these transactions on numerous occasions, because Chime will not refund my money back to me because they say in the records from the investigation Chime decided it was NO ERROR. I have the records from Chimes investigation and I highlighted the error and disputed the transactions again. Neither transaction was notified to my Chime app on my phone. Chime is sticking to the decision they made and will not refund my money that was not sent from my phone or my debit card. The only way I had access to my Chime account and app is by using my fingerprint on my phone or my physical debit card. I have disputed these transactions over 4 times since XXXX. ( I have all emails available. ) Now chime Has closed my account and Chime have not explained to me why they closed my account and why I didnt receive my funds back in my possession. I have contacted support @ chime plenty of times to get the answers I need. I have not used my Chime account in the past 30 days at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have contacted Ally Financial several times over the last 6 months and asked them to accurately report my account information to the credit bureaus. my credit reports reflect {$52000.00} balance and my actual balance is {$49000.00}. this has been going on for months. they are also reporting 30 missed/ late payments which is incorrect. I have only been late 1 time. Ally representatives keep telling me I have to wait 45 days for them to investigate it. it has been 6 months.

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 2020-09-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My truck was repossessed. XX/XX/XXXX. In an attempt to pay and settle debt, I called XX/XX/XXXX and spoke to XXXX. At that time she offered me a settlement of {$3900.00} out of an balance of {$9000.00}. She said that they would not remove it from my credit but will update to a {$0.00} balance. At the end of the conversation XXXX XXXX I thought ) told me to call back when I had {$3000.00}. I told her it would take me a couple of months and I would call back. I call back XX/XX/XXXX and spoke to XXXX. XXXX said that the settlement amount was {$3900.00}. I was then transferred to about 4 different reps that kept telling me that the notes said {$3900.00}. I requested to speak to XXXX and sh said her notes said {$3900.00}. I asked for the recorded to be listened to and she hung up in my face. I called back and spoke to XXXX a supervisor and she listened to the call and stated to me that she HEARD ON THE RECORDING XXXX say {$3200.00}. asked not to be contacted by XXXX any longer because she hung up in my face. XXXX said she would sumbit a request for the {$3200.00} as a settlement and they would get back to me. XX/XX/XXXX XXXX called me ( after I requested her not to contact me XXXX and said the counter offer was {$3800.00}. I thought it was a joke and cant figure out why she was calling me after I specifically asked XXXX the supervisor not to have her call me. Also according to XXXX, there were also a few payments made over the account over the years which were not made by me. She was not able to tell me when the payments came from. This was a slick way of keeping this item on my account longer. Since a payment was " made '' it starts the 7 years over. I am a single mom of XXXX and due to XXXX, I haven't worked in months and since contacting them in XXXX, they are now reporting late payments each month on my credit which is hurting me. After reading all of the reviews on the XXXX and seeing how they lost their accreditation XX/XX/XXXX, I can see why they treat people any type of way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I called Synchrony Bank at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX am. I spoke to rep XXXX who transferred me to XXXX XXXX who tried to help, left me on hold, then disconnected me after 1 hour and 2 minutes of nothing getting resolved. I explained to them both how could the company close XXXX account when I was just active in the month prior XX/XX/XXXX and paid my bill in full on XX/XX/XXXX. I have never been late, and always keep my account intact. This company just decided to close my account. I am really XXXX XXXX  and feel like cursing. XXXX need to open my XXXX  account back up with out re-running my credit and give me a higher credit line. I work hard to keep my credit up. This is some bs. I see why people be snapping for XXXX like this. I try to be the best person I can and someone want to come along a decide to take stuff from me. If I find a lawyer to sue their XXXX I will. 

Sincerely, 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 2020-09-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I have contacted both USAA and the 3 credit bureaus about the incorrect status of my account and either party has yet to update and correct the information. I was told by USAA that the information would be corrected with the 3 credit bureaus no later than XX/XX/20. Today is XX/XX/20 and the account status is still showing as as charged off which is incorrect as the account was paid in full. I have submitted payment receipt to the bureaus but have yet to see the account updated.

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 2020-09-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Im highly dissatisfied with the experience I am getting with Equifax and XXXX. On XX/XX/2020 I notified Equifax that it was multiple errors with XXXX. They responded saying the information was correct and verified with XXXX. So, I tried to contact Medicredit and I had no response, so I began to ask Equifax what their procedures is. They then told me they contacted them to verify everything, I was still shocked because Ive yet to get in contact with XXXX. The other Bureaus was not able to contact them, so they removed the information. So, this puts me a great belief they never contacted XXXX. Equifax did not want to investigate the matter again until I let them know I was contacting XXXX, with no successful response. They then responded with it has been verified. Once again XXXX has not responded and has violated the law, how is it Equifax is verifying information? 

Please also find attached to this letters sent to Equifax along with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i had my credit card payment for capital one on auto pay. it was scheduled to auto draft on the XXXX of each month. upon reviewing my credit report, XX/XX/XXXX and XX/XX/XXXX show late payments, i always check to see the draft take place inside my bank account. it did at that time. money said it was pending. then i looked at report and it showed a late payment. i called capital one and they said auto pay didn't draft and they failed to let me know both times. capital one said there is nothing they can do about it and are unwilling to take fault for auto pay not working correctly. i believe this is extremely unfair because it is damaging my credit report and im trying to purchase a home for my family. im unable becuase of these negative remarks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Experian 's fico score is XXXX which is 40 points lower than XXXX   XXXX and XXXX XXXX. I recently filled out this form and they increased my fico by 2 points. I contacted Experian again and this is part of the response : Our memberships utilize the XXXX XXXX scoring model, which is a score used for many lending decisions. Additionally, credit scores can vary based on the credit reporting agency that supplied the report. The score is based on the report and creditors are not required to report to all credit bureaus. The three major credit reporting agencies in the U.S. are Experian, XXXX, and XXXX. 
There's an important distinction to be aware of, Experian and the other reporting agencies do not calculate credit scores themselves. The reporting agencies solely provide the credit report and then the lender or creditor may use XXXX, XXXX, or even a custom scoring model to calculate your credit score. 
What they are telling me is that the reporting agencies would use one method of reporting to XXXX  and XXXX  and a different method for Experian. If they were 10 points away from the other I could understand what they are saying, that may be possible. This is just Experian not doing what they are suppose to do as a credit reporting agency. A person should not have to do so much to get them to correct their error.

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 2020-09-11 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: CITIBANK, N.A.
State: PA

Complaint narrative:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

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 2020-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
I closed on a refi mortgage two months ago with XXXX XXXX XXXX who is using Dovenmuehle mortgage as their servicer. The insurance details were provided to them as part of the specifics of the closing ( insurers is XXXX XXXX ). I received a notice last week from XXXX XXXX that my homeowner 's insurance had not been paid and was going to be cancelled on XX/XX/XXXX ( today ) if payment is not received. I escalated this to XXXX XXXX XXXX/Dovenmuehle and did not hear anything from them. I ended up working with the realty company to help escalate the issue and did receive confirmation that the insurance had been paid via email on XX/XX/XXXX and a text message on XX/XX/XXXX that the payment had been made, but as of today XXXX XXXX had still not received/processed the payment. I ended up having to pay for the premium out my own personal funds until this payment clears. I have still not received any kind of email/call from an actual person. I couldn't connect via telephone because of the long wait times ( I spent over an hour on hold before I gave up ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi has been promoting it $ XXXX {$400.00} offer for its different criteria deposit. I opened the account via its promotion link online on XX/XX/XXXX. I called on XX/XX/XXXX and told them that instead of depositing for $ XXXX for {$1500.00} bonus, I would like to downgrade the package for $ XXXX deposit for {$400.00} bonus. The rep on the phone ensured me many times that the account is linked with the promotion and I will get the {$400.00} bonus after depositing $ XXXX. 
I deposited $ XXXX on XX/XX/XXXX and the money has still there since then until today ( XX/XX/XXXX ), which has been over XXXX months. The requirement is having the deposit stay for 60 days, which already way passed it. I chated online on XX/XX/XXXX and the rep said I should have qualified but he said he will open an investigation with case XXXX XXXX XXXX XXXX. I also called citi and the first rep said he didn't see the promotion linked to my account. Later the case was escalated to a supervisor, who said I already downgraded my account, which I said I knew but the rep on XX/XX/XXXX expressly told me it is ok as it is just {$400.00} bonus instead of {$1500.00}. The supervisor then said, oh, because the linked checking account was closed. I said I didn't close the linked checking account but Citi closed it at its sole discretion without any notification. And said he will follow up on the investigation team and give me the answer. On XX/XX/XXXX, I receive the letter from citi saying they can't find any promotion linked to my account. So what's going on? Overall experience is just that citi tried to avoid giving the promised promotion and overall advertisement is misleading and scam. 
Per the terms, citi should have given me {$400.00} bonus on XX/XX/XXXX, which was 60 days after the required deposit period. I have patiently waited for another 4 months but it ended up they closed my linked checking account and said, oh, not another fine print qualified. The term stated " the Minimum Deposit ( see Chart below ) must be maintained for 60 consecutive calendar days from the date the Minimum Deposit is met ( Minimum Balance ). The Minimum Balance may be held entirely in one of the Eligible Accounts or across both of the Eligible Accounts '' and " At the time the Cash Bonus is paid, it will be credited to the new Eligible Checking Account. If the Eligible Checking Account is closed, then the Cash Bonus will be credited to the new Eligible Savings Account. '' So why my {$400.00} is not showing up in my saving account? It should have appeared from any date after XX/XX/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 2020-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Service of Central Washington, Inc.
State: WA

Complaint narrative:
Hello. I attended a XXXX  XXXX  school called XXXX XXXX with XXXX XXXX as the teacher. A small class program through her home. My responsibilities as a mother pulled me away from becoming a XXXX  XXXX. My eldest has XXXX and struggles with XXXX XXXX at home and at school. Therefore exhausting my energy throughout the week. I was able to pay the teacher over half of the debt. Over {$5000.00}. Financial circumstances led me to get behind on the debt and it was given to Central Bonded Collectors. I tried to work with them but, now they are threatening suing for more by garnishing my husband 's wages. With attorney XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, WA XXXX. We are on a tight budget that's even tighter now that the pandemic has reduced my husband 's income. I would love all the help I can get to resolve this issue. I've learned that certain debts over six years are too old to collect on. Please let me know what I can do. I'm very busy with schooling my children at home with a XXXX XXXX XXXX but, absolutely will do what it takes to figure this problem out. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Comerica
State: CA

Complaint narrative:
I opened my Comerica checking account ( number XXXX ) in hopes of consolidating my funds at a central bank. However, my account was frozen. I called and spoke to XXXX and went to the XXXX XXXX XXXX branch on XXXX XXXX. My account was subsequently closed after visiting the branch by Comerica.

Company response to consumer: Closed with explanation