vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
In XX/XX/XXXX, Mr. Cooper took over the servicing on my mortgage. In XX/XX/XXXX, I learned that the XXXX real estate taxes were not paid from the escrow account on time. In late XX/XX/XXXX, Mr. Cooper finally paid the penalty and interest charges assessed by XXXX XXXX XXXX for the late payment of real estate taxes. However, the failure to pay the real estate taxes before XX/XX/XXXX resulted in the loss of a tax deduction on my XXXX income tax return. As a result, I am out of pocket {$520.00} due to their negligence. 

Since the additional income tax was directly attributable to Mr. Cooper 's failure to pay my real estate taxes on time, I am seeking damages equal to the additional tax that I incurred XXXX {$520.00} XXXX. Although I have countless hours invested in getting this situation cleared up, I am not asking for any additional compensation for my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I obtained credit reports from the " big three '' reporting agencies only to find fictitious, wrong and many unauthorized " hard request '' from companies I haven't made inquiries to for credit and or connecting services. 

These hard inquiries have caused my credit score ( s ) to decline many % points despite my attempts to restore my worthiness given some hardships due to a repossession with XXXX XXXX  -- XXXX once they sold my and my husbands account. 

I am submitting hard copies of reports received via my online request to the credit bureaus, one of which is unable to present it online due to my inability to answer the identifying matches be they didn't match me and my past residence, family, etc. as needed. I also noticed a false social security number I have never used, on one report as well. 

Agencies, it appears have been given the green light to misuse federal funding 's be it in hiring management salaries, or other maneuvers to cause irreparable harm to again XXXX consumers and/or XXXX  XXXX consumers as if the scenario puts me in the face of whom I'm seeking credit with and that credit is denied or more capital is usually needed, then what other claim can I make and assume given my only identity since birth has been XXXX american. I'm not seeking XXXX additional creditors if I'm denied by the first XXXX or so.

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 2021-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I open a loan with One Main Financial in XXXX for 60  months term, I have paid every single payment, with the exception of putting 3 or 4 payments on the back end of the loan I also paid the interest to do so. The loan was suppose to be paid off in XXXX the finance company continued to tell me that it wouldn't be paid off until the end of XXXX which makes it 2years beyond the payoff date the original amount of the loan was {$8000.00} at that rate I am being charge over {$24000.00} on a five year loan and have made all my payments every single month something is not right when I spoke to one of the representative they said my loan was switch to a different method and no one ever reach out to me or explain who change my loan I would like for you to see what you can do to assist in this matter and you have my permission to review any and all documentation pertaining to this loan there got to be others out there that have suffer the same fraudulent action. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The company PHH Mortgage formally known as ocwen is NOT reporting our payments to the credit bureau. when I applied to refinance my home, it was denied by them because I filed for bankruptcy in XXXX. I can't refinance because their system says that I am behind in my payment since XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries please remove them immediately

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 2021-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I did not consent to, authorize, nor benefit from any of the following inquiries please remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX '

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 i wrote to XXXX XXXX and XXXX  and told them that i had clearly had been a victim of Identity theft and that someone had stolen my wallet and used my Drivers license and social security number and applied at Best buy/XXXX with account number XXXX and XXXX XXXX Macys  account number XXXX which i had never applied for. i submitted a Federal trade commission complaint and nothing was ever blocked accourding to the fair credit reporting act XXXX XXXX Under sections 605B. The law states that they were suppose to block the fraudulent accounts in XXXX business day. They told me that they had forward my complaint to Macys  and Best buy but nothing was ever done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX posted duplicate purchases in error when delivering a damaged XXXX XXXXXXXX weight set. XXXX  refunded the purchase and only removed one errant charge. The other errant charge in the amount of {$620.00} remains. It also incorrectly reduces my credit limit was does not allow for larger purchases as a result.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  EST, I call the 5/3 's credit card dept. to make a payment. My payment is due on the 8th day of each month. I spoke to an XXXX in CC who refused to accept my payment because I would not agree to a payment on the XX/XX/XXXX, so 5/3 bank can charge me a late charge. The claim that their payment have to be made by XXXX on the due date or it is considered late. I refused to agree to a XXXX payment, and She nor the supervisor XXXX would accept my payment. This is a predatory practice in my opinion. I want my XX/XX/XXXX payment processed without paying a late charge. 
In XX/XX/XXXX when I opened this account they offered {$250.00} to open a checking account with this bank and maintain a specific balance for 60  days. The banking rep was XXXX at XXXX branch in XXXX, NC. After 60  days passed I did not receive the money, when I contacted her and the branch manager about the checking account promotion XXXX. XXXX said the money had to be maintained in a check account for 60  days, not a savings account ( I opened both accounts ). XXXX knew the reason I opened those accounts was because of the {$250.00} promotion and I brought here the mail flyer I received. I told I wanted to take advantage of the promotion and she NEVER reiterated the fact that the money had to be in a checking account. I have complained to the branch Manager later and she Never responded to my complaints. I went to close my accounts with 5/3 and XXXX and pull my money out of this bank and the branch manager claim she could not give me my money, and she would follow up but I never heard from her. 5/3 is the most useless consumer unfriendly bank I have ever dealt with. I will be making my XX/XX/XXXX payment online. I do NOT expect to be charged a late charge for XX/XX/XXXX. I also want to be credited the {$250.00} that was due me when I opened the accounts last XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear XXXX XXXX XXXX c/o CFPB. 
( 1 )  I have XXXX student loans with XXXX. On one student loan with XXXX  account, TransUnion did NOT even report student loans payment information to XXXX for the entire year of XXXX, even requested to TransUnion many times in XXXX and XXXX. 

( 2 ) TransUnion publicly displayed a close variant of my social security number as my personal phone number in TransUnion credit report-making me a fraud victim. Thus, money was stolen from my bank account due to TransUnion displaying a close variant of my social security number as my personal phone number in TransUnion credit report. 

( 3 ) TransUnion willfully deleted my periodic payment accounts causing Credit Score to drop thus, preventing me in getting a home loan and a business loan at that time and those opportunities are forever foreclosed.. 

( 4 ) TransUnion allowed other unauthorized companies to review my credit report I violation of my privacy rights. 

( 5 ) Very Critically, TransUnion and TransUnion 's external lawyer ( listed below ) are NOW engaged in Witness Tampering - so that I can not ever complain to ( i ) CFPB and ( ii ) California Attorney Generals Office regarding TransUnions pervasive Abuse and Misconduct. 

XXXX XXXX XXXX California XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX & XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX XXXX : ( XXXX ) XXXX Fax : ( XXXX ) XXXX CC. XXXX of California Attorney General & State Bar of California

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 2021-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revco Management, LLC
State: MA

Complaint narrative:
I received a Debt Collection notice for an XXXX XXXX XXXX XXXX XXXX Acct # XXXX and my address in Massachusetts. See attached documents. He does not live at this address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
The company Chex Systems XXXX Inc. is reporting an account to my Chex Systems report. This account was reported to Chex Systems without first notifying me and giving me a chance to dispute and resolve the issue. The Fair Credit Reporting Act requires companies to send a notice before reporting negative information to credit reporting agencies. 

Source of Information : XXXX XXXX BANK Amount - {$770.00}

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 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Re : Equifax 's That I have Disputed derogatory information on my Credit Report with XXXX, XXXX, and Equifax. That XXXX and XXXX  have made corrections on my credit report and adjusted my credit score accordingly. However, to the best of my knowledge, Equifax has failed or refused to take the same actions as XXXX and XXXX in making the above correction and /or adjustments on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ive send letters to the companies and they have not responded, legally the bureaus have 30 days to respond and they have not provided validation nor authentication of anything, I am extremely concerned they are reporting fraudulent information on my credit report, and not complying as per the FCRA, the bureaus are under breach of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: IL

Complaint narrative:
We have on several attempts with XXXX to resolve an inaccurate late payments caused by XXXX of XXXX XXXX to submit a pay-off check to US Bank, after the XXXX XXXX XXXX was traded on XX/XX/XXXX. 

XXXX of XXXX XXXX failed to remit their check # XXXX in a timely manner due to personnel changes, as indicated by Mr. XXXX XXXX, Subject : Delayed Payoff Check # XXXX XXXX XXXX to US Bank, dated XX/XX/XXXX. 

The dealer was eventually closed by the authorities due to several illegal activities that indicated Mr. XXXX. 

The payment trend was excellent until the trade-in, which should indicate the true payment pattern we had established with US Bank. This is the latest late payment in XXXX / XX/XX/XXXX had has caused harm to my credit 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 monetary relief
Consumer complaint received 2021-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint Partners ( NewRez LLC ) engages in fraud to prevent or delay home mortgage refinancing for mortgages it services. Shellpoint directs, incentivizes, or conspires with its employees to commit fraud using the following tactics : 1. Shellpoint/NewRez refused to communicate with the applicant promptly and honestly about the status of the loan application. 
2. Shellpoint/NewRez made multiple requests for documents from the applicant then refused to review the documents in a timely manner. After a period of months, Shellpoint/NewRez requested similar documents. Examples include bank statements, paystubs, and credit reports. 
3. Shellpoint/NewRez attempted to terminate loan applications by surreptitiously posting document requests on its web portal and then failing to communicate those requests to the applicant via email/phone or through their employees. When the applicant failed to respond, a postal letter was sent to threaten to terminate the application. 
4. Shellpoint/NewRez made piecemeal and last moment document requests hoping to further delay or thwart the borrower. 
5. Shellpoint/NewRez used several tiers of handlers to prolong the loan application process. Some tiers include : mortgage consultant, loan processor, customer care. 

My home mortgage was serviced by Shellpoint Mortgage Servicing, and I applied for a refinance with their partner company NewRez LLC in XX/XX/XXXX. I was assigned to a mortgage consultant ( XXXX XXXX ) who used several of the tactics listed above to prolong the application process until XX/XX/XXXX. In XX/XX/XXXX, I was assigned to a loan processor ( XXXX XXXX ) who prolonged the process with additional document requests ( including previously requested documents ) and long periods without communication until XX/XX/XXXX. Finally, I was assigned to customer care ( XXXX XXXX ) who posed several more questions, but who then failed to acknowledge receipt of my answers. 

In XX/XX/XXXX, I searched XXXX, XXXX, CFPB for mentions of Shellpoint/NewRez and realized that this company was engaged in a scam to prevent refinancing. When confronted by the accusation, the response from Shellpoint/NewRez was to was to assign me another loan processer ( XXXX XXXX ) who immediately began using the tactics above to request updated documents that I had previously sent to the previous loan processor ( XXXX XXXX ). 

In conclusion, Shellpoint/NewRez and its employees are committing fraud against refinance applicants. They are systematically prolonging the application process using delay tactics that mostly involve document requests, failure to communicate, and multiple tiers handlers. The practices is so widespread that it is obviously incentivized or promoted by senior leadership at the company. The goal of the fraud is obvious : Shellpoint has nothing to gain by letting its borrowers refinance to lower interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020 i wrote to XXXX, XXXX and XXXX and told them that i had clearly had been a victim of Identity theft and that someone had stolen my wallet and used my Drivers license and social security number and applied at Best buy/cbna with account number XXXX and DSNB / Macys account number XXXX which i had never applied for. i submitted a Federal trade commission complaint and nothing was ever blocked accourding to the fair credit reporting act Fact Act Under sections 605B. The law states that they were suppose to block the fraudulent accounts in 4 business day. They told me that they had forward my complaint to Macys and Best buy but nothing was ever done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ME

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.
State: PA

Complaint narrative:
Since this crypto was a growing in 2021, so i decided to invest some money and do trading to make some extra money. So i found this plate form for buying crypto and trading, so i deposited some cash and crypto to Binance newly opened account. But since i opened an account i have many issue, never was smooth. But most recent they disabled my trading, buying or selling, and withdrawing my money. I tried to contact them multiple time but problem never solved. In most recent email from Binance US they said my trading and withdraw is disable because one of the deposit on XX/XX/2021 didnt went through and asked me to deposit {$1000.00}, in the reply of that i email i sent them my bank statement from XXXX and marked the transaction and showed them deposit was successful and money has been taken from my account. Actually they tried to take another {$1000.00} from account which was unauthorized and i had to block that transaction from my bank. Since i sent them my bank statement i did'nt received any reply, submitted multiple ticket to resolve the issue but all in waste. I have all tickets and email records aswell deposit record from my bank.Its very stressful. I have attached my bank Statment from XXXX which shows all legit transaction as well email from Binance US and my replies. i need help on this.

Company response to consumer: Closed with explanation