vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
My mortgage was sold to Rightpath Servicing ( XXXX XXXX XXXX, XXXX, Tx XXXX ) during XXXX of this year from XXXX XXXX XXXX I had {$1900.00} in my escrow when my loan was sold in XXXX. My homeowners insurance has always came out of escrow. ALWAYS for 20 years. I don't know what happened when my loan was sold but my homeowners insurance was not paid in XXXX of this year when it was due. My homeowners insurance was going to lapse because the mortgage company never paid it despite me and my agent sending in several invoices to them. This has caused me to have to pay my insurance out of pocket for the past two months, which is an additional burden. I have attempted to contact Rightpath for the past 3 weeks at their customer service number of XXXX. A automated person will answer and ask for identifying information, then it will say " let me connect you with customer service ''. Then no one EVER picks up the call. After 20 minutes or so the call will just disconnect. I have 18 screen shots of calling the customer service number for the past 3 weeks and I continue experiencing the same issue. I have emailed Rightpath as well and received a note in my account saying they received my " ticket '' from XX/XX/XXXX yet they have done NOTHING to update my escrow or pay my homeowners insurance. Plus the entire time you can not reach a customer service representative on the phone. My insurance agent has experienced the same issue. I would like to file a formal complaint against Rightpath and I need someone to help me resolve this issue. I do not know where my escrow money is and why no one has contacted me to this date. I did NOT give anyone permission to change my escrow and I have continued making the same payment amount the entire time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have already spoke to capital one. It is a fraud case. Somebody took money from my account total of about XXXX XXXX A company called XXXX XXXX XXXX is de name that took de money but looks like fraud. So I have complain to capital one but no credit yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-11 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 Shore Financial Services, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX I notice my ach payment was rejected by mortgage company for the month of XXXX, so I called and inquired about it. As a result, I made two payments on the XX/XX/XXXX and was told by a representative of Wholesale mortgage not to be concerned since my payment rejected due to a mechanical issue. But, a month later in XXXX I notice it was a XXXX late payment on my credit report. Not only that I have reports showing inconsistencies some saying I was late in XXXX and others in XXXX. I was assured by the representative that I would not have any late payments on my report and Wholesale Mortgage refuse to correct the mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
A card was opened in my name when I was XXXX XXXX XXXX and the person how did it listed my birthday as XXXX I dont know how it was approve to be completely honest. But I have been attempting to get it removed for 10+ years now its destroyed my credit and Im being denied cards because of it. I Believe it had a XXXX dollar limit and was charged for XXXX i dont know who opened it but they used my childhood address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Voluntary repossession, Vehicle was resold Account is closed & remains on 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 explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I hired a cleaning company for my fathers home. The woman started the cleaning then left and never came back. I have tried contacting XXXX XXXX, the company to no resolve. I finally contact my bank to file a claim. They took extra time even calling me to let me know they were working on it. Then I contact them once denied a few hours later and they state they dont handle those type of issues. Yet they started a claim and provided credit giving me my funds back which have been gone for several months. Only to be told by corporate that they dont handle what they call third party payment issues. Acknowledging the process should have never taken place soon to cause my account of over a decade to go negative with no regard. He asked if I wanted an apology letter. How is this protecting my funds? If this was the case it should have stated as such and I would not be looking at {$700.00} worth of debits coming my way next week. If Chase policy is no retrieving funds for third parties then why would they do this to someone and take weeks? I was led to believe it worked as any other transaction. The dates are in attachments for timeline purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: WI

Complaint narrative:
I am a victim of identity theft. There are fraudulent accounts that remain on my credit profile that need to be removed immediately. This has caused me injuries and financial damages. 

XXXX XXXX accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX Wi XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX Addresses : 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 2022-10-11 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: SC

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I'm very concerned to find out that the company who financed my car told me they charge daily interest.I also believe that finance charges was applied at the time I purchased the vehicle. I've had the vehicle over 2 years and it's only a XXXX XXXX  less than what was owed when I got it. When I first got the vehicle after charges and fees it was XXXX, | called on Friday XX/XX/XXXX to find out that the remaining balance was {$16000.00} and so I replied Ive had this car over 2 years, the payments are {$460.00} a month but I mostly pay {$500.00} a month, how is it this much? They replied well we charge daily interest. In this case the car will never be paid off, this wasnt explained because I wouldve never agreed to this. This is robbery

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under XXXX XXXX Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-11 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: Mercedes Benz Financial Services
State: CT

Complaint narrative:
During car shopping @ Mercedes Benz. There are 2 hard inquiries from the same day. How is that fair?! System is XXXX up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Consumer Adjustment Company Incorporated
State: FL

Complaint narrative:
This is the second time reaching out to your company requesting you to validate this alleged debt. Please note that I DO NOT WANT A VERIFICATION, but a VALIDATION of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I requested a refund 6 weeks ago and I have called them 4 times for updates since then. No progress has been made on my request and I need the refund in order to apply for student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( g ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability

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 2022-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Hi! 
My personal bank account is something problem. 
So I contacted bank agents. 
They founded someone bridge of my online banking system. 
And opened New account. 
I never order of opened new account. 
So bank shut down my online banking and closed new account. 
So Anyway I can't use of my account temporarily. 
We couldn't pay to Our second mortgage company. 
We had a behind payments. 
Mortgage company intent to foreclosure step. 
Give me time please!!! 
Thanks.

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 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Refuse to acknowledge my certification from my Not for profit organization. Im a XXXX XXXX and have submitted my information back in 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 2022-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
I applied to consolidate my loans with Moehla in early XXXX. I have called several times since then and keep being told it should be processed by the XX/XX/XXXX deadline to apply for XXXX. I have called several times this month ( now XXXX ) and cant even reach anyone. Ive been kept on hold for hours at a time with no one ever answering. My loan still has not been processed and with no way to get in touch with anyone I fear I will miss the deadline

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
My bank account was locked. The bank is telling me it has to do with the " Patriot Act '' ( a quick XXXX search say this has to do with terrorism ). They required me to send in a picture of my photo id, which doesn't even seem safe since so many people make fake IDs anyways. They say my account will be locked for 3 business days and I will have NO access to my money. I can not buy diapers for my child, milk for my child, gas to get to work. The money that I worked for. They will not give me any other explanation as to why. I was never notified or asked for a copy of my ID prior to them locking my account. To the already struggling American population this puts such a burden on my family as my card was declined at the grocery store trying to buy necessities for my family. No one can/will give me a better answer other than " oh well ''. This seems 100 % unacceptable. A notification should have been sent via e-mail/text ( they say it was mailed but that would take 7-10 days to even reach me! ). I can not believe this is how Veterans are being treated by an organization that prides themselves on supporting Military, Veterans and Family. There has to have been a better way to handle this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: NJ

Complaint narrative:
Institution Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX, XXXX 2020 To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice that there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I Have not signed any documents authorizing the company in question to view any such part of my credit report. The listed inquiry was without my authorization, and for no legitimate business purpose.

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 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IN

Complaint narrative:
I purchased cleaning services from a woman and her company. She had great online reviews at the time. Her method of payment was cash app and her company name was affiliated as such. So I paid for services. She started the process and then claimed to have had to leave and never came back. I have tried repeatedly to reschedule over the last couple of months but she never showed up. She then scheduled to come and while I was out she came by and told my son I said she could get her supplies. Took her stuff and mine and once again never returned or provided services. I contacted cash app and they wont do anything. I contacted merchant and she said she would refund me some money and wont respond anymore. This was fraud. I have the web receipts where she changed her name. I have messages. And believe she tried to break into my home as she knew my garage code and had my garage door opener. Cash app takes no responsibility and offers no investigation or resolve so XXXX XXXX can continue to scam other people. I have been trying recover my funds. There are more messages as well but this is her admission of never providing services, timeline and admission of owing money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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: SC

Complaint narrative:
There are several listings on my consumer report that I did not consent to being reported by credit reporting agencies. My consumer right has been violated : 15 USC 1681b regarding permissible purpose which states that three criteria must be fulfilled before credit reporting agencies can disclose to your consumer report - obtaining written consent from the consumer, sending required disclosures before reporting, and disclosing my right as the consumer to opt out. None of these criteria were met before reporting said listings. Upon disputing these reports based on their reasonings, I was told that these listings were " verified '' and they remained on my report despite never having my written consent to disclose information to my consumer report, and despite never giving me notice of my right to opt out of said disclosure. 

These listings include all collection reports, all closed accounts, and all late payments that have been disclosed to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11 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:
There are several listings on my consumer report that I did not consent to being reported by credit reporting agencies. My consumer right has been violated : 15 USC 1681b regarding permissible purpose which states that three criteria must be fulfilled before credit reporting agencies can disclose to your consumer report - obtaining written consent from the consumer, sending required disclosures before reporting, and disclosing my right as the consumer to opt out. None of these criteria were met before reporting said listings. Upon disputing these reports based on their reasonings, I was told that these listings were " verified '' and they remained on my report despite never having my written consent to disclose information to my consumer report, and despite never giving me notice of my right to opt out of said disclosure. 

These listings include all collection reports, all closed accounts, and all late payments that have been disclosed to my 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 2022-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OH

Complaint narrative:
I paid for concert tickets online using Zelle and then they blocked me and didnt send me the tickets. I tried to dispute with XXXX, Zelle, and my bank.

Company response to consumer: Closed with explanation