vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
I am trying to refinance my home. The lender pulled my credit report and advised that I had six Affirm Inc accounts that were not paid, then paid, and closed. I have never opened these accounts nor received any services from this company ever in my life. It is messing up my credit score, and I need it to be removed because I have never opened these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: SC

Complaint narrative:
I have submitted a complaint 60 days ago and still have not received a response back from any of the bureaus, they have been closing my complaints by sending back authorization of verification when I have sent all documents with all Identification including : Drivers License, Social Security Card, and Proof of Address, this has been more time than allotted to respond, please delete all accounts not verified at once, I feel I am being ignored and if I send another letter this will go no where. Please do not respond with anymore authorization for verification, I feel this is a stall tactic to gain more time for not doing your jobs correctly, I have supplied all items needed for the investigation to take place, and you have neglected to do so. I am not just another nobody, this is affecting how I live my life. 
Complaint numbers as follows : XXXX : XXXX  XXXX : TRANSUNION 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 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I applied for a refinance on my loan with Nationstar mortage. I have great credit and have been paying mortgage since 2009. I applied for a refinance and they kept telling how great my credit and loan was going but they kept asking for more ridiculous stuff. They wanted to know why my empty lot didnt have insurance. I am divorced and they wanted information on properties that were my exhusbands. There are no loans on those properties. He hasnt taken my name off his properties. They called the bank that has a loan on my ex property but my name is still on it 3 times.They kept asking for the balance and whether he has late on the account for last year. I have a saving account that has other savings under it. I keep most of my money in one of those. They said they needed proof that it was a savings account and not a loan. I sent them bank statements but that isnt enough.They changed what the cost of this loan would be from XXXX to almost XXXX.. They changed the loan amount of the loan by increasing it XXXX more and they said that was the true loan amount. It was supposed to be for {$140000.00} and they made it for XXXX. I complained to the loan officer and he changed it after much discussion. I had an escrow account for taxes and insurance with them and they said they needed to add the total fees to my loan costs and they couldnt use what was in my escrow account which is for that. They said I had to pay them the cost of mortgage for month of XXXX while we completed the loan because I would miss a house payment. I told them Im paying off my old loan and the new loan will have payments on it that are required. I didnt understand why except that they wanted money from me. Usually you dont pay rent while in escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: MS

Complaint narrative:
Transunion is reporting these addresses that I have never lived at : XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  is reporting these addresses that I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2021-07-16 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Transunion is reporting these addresses that I have never lived at : XXXX XXXX XXXX  XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Experian is reporting these addresses that I have never lived at : XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 non-monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: TN

Complaint narrative:
I was contacted from XXXX, UT XXXX from a law office attempting to collect a debt. I was first inform it was on my son, then after I told them he was a minor it became my debt. It was from XXXX XXXX in XXXX, TN. I was irate because I know that I canceled this account and did not owe any funds. I went to XXXX XXXX and had them review my account and it was confirmed that my account 's last payment was on XXXX of XXXX and the account was properly closed on XXXX of XXXX. No money owed and accounts are closed. They informed me it could be a scam. I did make a return call to the number to inform him of the account numbers the last payment date, and the closed account date. I also told him no money was owed on either account. His only response was to inquire if i was going to pay him or not. This is an abuse of power and predatory attempts to collect a debt that is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC did not communicate to us about closing our account. We used the account to pay for mortgage and utilities and our transactions got rejected. Here 's the timeline : XXXX XXXX XXXX - Opened joint ( me and my wife ) checking and savings account >> XXXX XXXX and XX/XX/XXXX - HSBC fraud operations requested authorization for social security information for my wife >> XX/XX/XXXX - ACH payment to utilities rejected ( utilities provided error message saying account frozen ) >> XX/XX/XXXX or XXXX - Called customer support and they said no issue or block on the account >> XX/XX/XXXX - My wife emailed authorization to HSBC XXXX email with the provided reference number >> XX/XX/XXXX - ACH payment for mortgage rejected ( Bank charged me {$15.00} NSF fee ) >> XX/XX/XXXX or XXXX - Called customer support and they initially said no issue but on explaining the rejection, they found that the account is in the process of closing and asked me to call Fraud operations ( available only from XXXX XXXX XXXX XXXX XX/XX/XXXX - Called fraud operations since my account was suspended. Only now I came to know it was because they did not receive the SSA authorization despite us emailing it on XX/XX/XXXX. 
XXXX XX/XX/XXXX - the Fraud operations team could not provide when my funds will be returned. 

No where in this entire period did we receive any communication that our accounts will be closed or our account is frozen. I do no know when my funds will be returned. 

The customer support told that HSBC tried to call me. I don't pickup calls from number I don't know. They did not leave any voicemail, send me an email or a letter by postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
I refinanced my XXXX  loan back in XXXX of XXXX  from XXXX XXXX XXXX who I was happy with ) to Village Capital with XXXX XXXX XXXX who was the broker at the time. Since then, I have had several issues. The biggest, most concerning issue is that my mortgage changed from {$1800.00} ( which is what was my signed for amount on my refinance paperwork ) to {$2500.00} without any notice or explanation as to why this extortionary amount was being stolen from my account ( by automatic payments ). {$700.00} extra a month for a XXXX  mom raising XXXX kids, that's a hard hit. When I noticed this, I called, and sent emails trying to get some sort of explanation on the matter. After several phone calls, and being told it was because of a change in my " taxes '' I sent in my actual tax statement, and was told it would be corrected. It still has not been. Also, I was charged twice for my home owners insurance, and no one could explain this to me either. I keep being told someone from management or " higher '' up will contact me to resolve the issues at hand, and my payment has still never been fixed. I was told that I have a two month " cushion '' on my mortgage. A cushion I NEVER asked for. Never authorized. No one takes this seriously and no one cares. They keep sending me letters in the mail saying I have applied for a new loan with them when I have never applied for a new loan. Never applied to refinance. Never.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: TN

Complaint narrative:
I made a reservation for a vacation rental specifying a first floor ocean front with a heated swimming pool and used my CHASE credit card. 

Transaction Post Date : XX/XX/XXXX & XX/XX/XXXX Merchant : XXXX XXXX XXXX Transaction amount : {$200.00} & {$810.00} XXXX called me 2 days before the XX/XX/XXXX arrival date and informed me that the heated pool was not repaired. I asked them to move me to a unit that met my specifications but they refused. I called Chase and the representative at Chase told me not to worry about it as I did not have to pay for services I did not receive and to go ahead and use my Chase card to make a reservation elsewhere that met my specifications. Chase than payed the merchant and has now billed me for the canceled rental. I was very clear when I called them that I could not pay for two rooms and asked for advice. They now say that the first representative was in error. I would never have made the second reservation without first getting the OK from Chase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on Wednesday XX/XX/2021, an individual informed me about another government extension that people are receiving, and he wanted to know if I had gotten it yet .this person apparently received their extension of XXXX and I could too.of course times are hard so I wanted to know how to get this extension. 
This individual proceeded to tell me about this agent that helped him get his money. All I had to do was give this person permission to give my phone number to this " agent XXXX '' and would contact me. 
Within seconds agent XXXX contacted me. 
Agent XXXX took down my information and before I knew it he took all the money I had on my XXXX  card, almost XXXX dollars. 
He tried to blame bank of america. 
Then he said that I had to wait 5-15 days until I see any money In my account. 
He changed my passwords to my XXXX  and bank of america accounts so now I can't access them. 
I called XXXX and told them what happened and they kindly helped me calm down was so upset. They froze my card and account so no further transactions would take place and sent me a brand new card that showed up fast within 3 days. Then they transferred me to the fraud department. Thank XXXX they helped me

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 2021-07-16 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
DEPT OF ED/NAVIENT continues to report to credit bureaux a 90 days past due payment for XX/XX/XXXX. I was in active Chapter XXXX bankruptcy from XX/XX/XXXX to XX/XX/XXXX, and in active forbearance on my student loans. No payments were required during that time, so no payments could be deemed " late. '' I was making payments when possible to reduce balance during that time and post bankruptcy discharge, all payments were made on time, in full, and ultimately completely paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage company. I just refinanced and o cant get anyone on the phone, email. 

I sent certified letter with check after weeks. 

My prior loan was XXXX  and I had no problem getting them on the phone. 

I need you to get them to be accessible!

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 2021-07-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I got this accounts that is not mine and i want it to be remove from my credit. 


1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: EOS Holdings, Inc.
State: WA

Complaint narrative:
The company is calling me daily since XX/XX/XXXX. I was able to get my phone company to get all the numbers, dates and times that they have contacted me. Sometimes they are even calling more then once a day. I have asked a representative to quit calling me and to have the communication by mail only and they have ignored my request. It's to the point I may have to just change my number to get them to quit calling me. I've also requested for the debt information as I was told that it was paid off in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: NC

Complaint narrative:
Received a letter from McCarthy, Burgess and Wolfe advising that they have been retained for debt collection. However the debt was not validated to confirm the debt was owed by me. This company is in complete violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: AZ

Complaint narrative:
My mom received a phone call from a debt collector last month in XXXX. They stated they were looking for me, trying to collect a debt that they state I owe, the amount of the debt, company they say I owe, and so on. They told her that if I didn't call them then they would take it a step further and would sue me. " She didn't want that to happen did she? '' is what was said. According to online records the company shows that they are permanently closed. I also tried to call back and no one answered. Fast forward to today ( XX/XX/2021 ) and I receive a pre-recorded phone call regarding a debt. The message states they have been trying to reach me in regards to an arrangement with their client. No one again answered when I called back. I haven't received any correspondence from this company, nothing is on my credit report regarding a collections account, and I have never had a company contact my family. I don't even know what it is in regards to. My mom didn't even know how they got her information or why they were calling her. I haven't changed my cell phone number in over 15 years and haven't moved in 4 years. This company is calling my family and giving them all of this information for a debt I know nothing about. I am not a minor so it's not even legal. I contacted them again today by email and asked that they only contact me by writing, but I am at a loss for what to do. They have a class action lawsuit against them, horrible reviews on the XXXX, and most reviews say they are scammers. 
I am looking for the harassing phone calls to stop but I don't know what to do. The company states they are Direct Recovery Services and XXXX XXXX called me today. A lady called my mom but she didn't write down her name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 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: FL

Complaint narrative:
While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract. 
2. XXXX {$540.00} ive never done business with this company were answered into a signed contract. 
3. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) {$160.00} ive never done business with this company or entered to assign contract. 
4.XXXX {$1200.00} Ive never done business with this company or entered into a signed contract. 
5. XXXX {$1700.00} Ive never done business with this company or entered into a signed contract. 

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX  XXXX The following inquiries are fraudulent 1.XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX Please See Attached FTC 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 explanation
Consumer complaint received 2021-07-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
While checking my credit report, I noticed someone used my credit to get medical care or something medical. The following accounts listed below are fraudulent 1. XXXX ( XXXX XXXX XXXX ) {$1900.00} Ive never done business with this company were entered into a signed contract.

2. XXXX  {$540.00} ive never done business with this company were answered into a signed contract.

3. XXXX XXXX XXXX XXXXl ( XXXX XXXX XXXXr ) {$160.00} ive never done business with this company or entered to assign contract.

4.XXXX  {$1200.00} Ive never done business with this company or entered into a signed contract.

5. XXXX XXXX$1700.00} Ive never done business with this company or entered into a signed contract.

Ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX  of XXXX XXXX XXXX XXXX The following inquiries are fraudulent 1.XXXX XXXX  XXXX  2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX Please See Attached FTC Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX penfed credit union added {$5300.00} to my auto loan for " premium insurance '' I've uploaded my insurance proof to the provider they told me too and they keep telling me they have not received it but I have the confirmation that it was uploaded and they will not remove the 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 2021-07-16 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It has been over 150 days and this information is still reporting on my account. XXXX  did a great job at removing the inaccurate reporting but XXXX and TransUnion are completely ignoring me. This is causing me stress and hurting my credit profile making it hard for me to get approval for credit. They are violating my rights and they don't even care about fixing it. Not only has this stuff taken a long time to fix but they aren't even communicating with me. I have had to contact these companies directly bc they keep reporting false information on my account. 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