vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Our original mortgage lender sold our loan to Nationstar/Mr. Cooper in XXXX. Our loan has been with Mr. Cooper since early XXXX. Immediately, we set up automatic payments from our bank with the loan account information given to us by Nationstar/Mr. Cooper. For all of XXXX, payments were sent, accepted, and applied to our mortgage balance without complications. 

In XXXX, Nationstar/Mr. Cooper began accepting our payments, DID NOT apply them to our account, sent them back to us 14 days later, charged us a late fee, and then contacted credit reporting agencies to downgrade our credit. As soon as we learned that there was an issue in XX/XX/XXXX, we sought to understand the source of the sudden problem and have a workable solution. 

We have now spent hours on the phone, fax, email compiling supporting documents and communicating with their customers service department. We engaged in a three-way call with our bank. Our bank issued evidence of the ON TIME payments we were charged late fees for as well as the return of payments WITH NO EXPLANATION. Mr. Cooper would only issue letters from their " Research Department '' that the issue was being investigated and they would send us information in 30 days. 

When the same thing happened in XX/XX/XXXX, I grew impatient and very upset. I used social media to call them out. Within 24 hours, Mr. Cooper had contacted me and reversed the late fees, backdated our payments and supposedly contacted the credit agencies. 

BUT the damage is done. We can not trust this company. Our credit is already damaged. We have already had to work very hard to just get them to do their job. 

We are seeking another lender at this time. It will cost us in XXXX, closing costs and time. 

Mr. Cooper is running a spectacular scam -- take the money, hold the money, use it as they want for XXXX weeks, send it back, charge the customer a fee, downgrade the customer 's credit so they are beholden to Mr. Cooper because other lenders are leery of their recent credit history. Whoever thought it up is an evil genius. 

It deserves an investigation. We deserve some recompense for our distress and the money will will spend to ensure we are no longer associated with the unprofessional and unethical practices of this company. We are fortunate that we CAN pay the fees associated with an increase APR and loan costs ; other people may not be so fortunate. BUT WE SHOULD NOT HAVE to incur these costs because of their mistakes. 

Please help us. 

XXXX XXXX and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act convergent accounts XXXX 30 day late payments on XXXX XXXX, XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct XXXX XXXX, XXXX ser acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXXXXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX has violated my rights. 

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

15 U.S.C. 1681 section 604 A section 2 it aslo states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-04-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Our company reported a number of fraud charges that had been made to our business card account with Bank of America. The charges were from XXXX through XXXX. The total amount that was determined to be fraud charges amounted to {$12000.00}. Our company has this XXXX card account on automatic bankdraft and it was only until a notice of Bank of America, that a detailed review of the activity showed that all these charges were indeed fraud. Bank of America never flagged any of these charges as suspicious and when reported, they did realize that these charges were unauthorized and provided a temporary credit. Subsequently, Bank of America advised our company that they had reversed their decision ( as they claim our office never disputed any of the charges ) and placed the entire amount back as owed on the credit card account. Our company maintains that under federal and state laws, a credit card accountholder is not liable for fraud committed on said account, either with or without, the knowledge of the cardholder. In this case, our company was completely unaware a fraud was being committed. If not, every effort would have been made to stop these fraudulent charges immediately. We are asking that your office assist us in having Bank of America again review these fraudulent charges and credit our account accordingly.

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 2022-04-11 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: CA

Complaint narrative:
I have previously requested that an item on my credit report listed under XXXX be investigated. In my CFPB Complaint ID # XXXX submitted XX/XX/2022, I stated that I had not received a response from your company with the results of my investigation requesting to verify the accuracy of this account. 

Your response to me was dated XX/XX/2022 and you stated : -Per your previous request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. 

-If you question the results of our dispute process, you may also contact the furnisher of information directly. 

I did as you told me, and I submitted a complaint to XXXX on XX/XX/2022 CFPB Complaint ID # XXXX. In their response, XXXX stated that any further questions or concerns regarding the loan should be referred to XXXX XXXX XXXX XXXX. 

I then filed a complaint against XXXX XXXX XXXX XXXX on XX/XX/2022 CFPB Complaint ID # XXXX and XXXX XXXX XXXX XXXX stated they have not reported any trade line with any bureau pertaining to the complainant and encouraged me to resolve the matter directly with the Credit Bureau and the Financial Institution that has " allegedly '' filed the trade line.

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 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
To whom it may concern, As confirmed by XXXX County Sheriff 's Department, my identity was stolen on XX/XX/2022. By stealing my identify, access to my Bank of America online account was gained. 
On XX/XX/2022, there was a new, unauthorized recipient added to XXXX recipients using my Bank of America XXXX  account. Following 2 fraudulent payments were sent to zelle address XXXX : 1 ) {$100.00} confirmation # XXXX 2 ) {$95.00} confirmation # XXXX Bank of America ignored supporting evidence and rejected the claim, stating it was authorized.

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 2022-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citibank, with no engagement, decided to close my account on XX/XX/2022. The reason was that this was based on a review. They immediately blocked all debits and this has caused me to default on a number of payments -credit cards and mortgage. As background, I recently had some funds wired to my account and immediately tried to send some of those funds XXXX  to complete a transaction. The outgoing wire was canceled a few times .When I called Citibank , I was told that my account was being blocked. I then proactively sent documentation to Citibank detailing the source of funds deposited in my account and the purpose of the outgoing wire. These are attached .None of this has been acknowledged. I have tried several times to discuss with Citibank about urgently returning funds to me and they have refused stating that the funds do not belong to me. I am highly inconvenienced

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 2022-04-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/2022 I directed a {$200.00} payment to XXXX XXXX to my PayPal account. In my Paypal account, my " preferred method to pay '' is set to my PayPal XXXX. When I checked my PayPal account, the {$200.00} transaction is incorrectly listed to post to my XXXX XXXX instead of my PayPal XXXX. This is an error. I have sent multiple messages and have made multiple phone calls to Paypal, and they are either unwilling or unable to help me. See attached PDFs for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.with no 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 non-monetary relief
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went with JP Morgan Chase home lending ( loan # XXXX ) mainly because they gave a 21 day closing guarantee ( I was already in contract and it took a while for Chase to match the rate I received from XXXX which delayed the application further, but I was told since I had more than 21 days, I would still close on time ). 

I never delayed providing any document and had been more than prompt on their multiple requests. However, we were not able to get final approval before closing date and I had to get an extension from the seller ( which was lucky, but I could have lost the deposit and caused a lot of stress for us ). 

I was expecting the closing guarantee credit of {$2500.00} to be sent to me automatically, but never got it and never received any response related to it when I contacted them by email. This feels like a bait and switch and read multiple experiences where no one ever got the guaranteed credit with multiple excuses. 

I always had good experience with Chase customer service and expected this to be the case with mortgage as well and was disappointed not to get the credit ( which would have alleviated some extra closing cost I had to pay due to requiring to change from XXXX to XXXX ARM ). I really appreciate if they would read this complaint and resolve it by sending the credit to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: TX

Complaint narrative:
Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX XXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!

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 2022-04-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Beaures are refuding to delete these inquiries due to IdentityTheft!! 

XXXX XXXX  XXXX XXXX XXXX XXXX I am attaching my identity theft report to prove it!!!

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 2022-04-11 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX 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

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 2022-04-11 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
THESE FRAUDULENT ACCOUNTS WERE LISTED ON MY CREDIT REPORT AND I HAVE NEVER OPENED THESE ACCOUNTS. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES.

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 2022-04-11 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: AZ

Complaint narrative:
According to below LAW States 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 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt Following Items are Incorrect & Not Accurate & miss leaded : this need to be taken care 1 ) XXXX XXXX XXXX : There was a collection item has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions 2 ) XXXX XXXX XXXX XXXX XXXX : There was a 2 collection items with same name and different amounts. i don't know how its possible to put same creditor twice with 2 different amounts. i have called the lender and checked & they don't even have any records or anything they said may be mistakenly placed seriously. this collections has been posted to my account and this is completely incorrect and In Accurate. This Doesn't even belongs to me at anytime till date. This was places without my concerns or permissions XXXX : Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX : Posted without my concern & this is completely Inaccurate there is not agreement or document associated and wrong address, wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXX XXXX XXXX : Posted without my concern & this is completelyInaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

XXXX XXXXXXXX XXXX : Posted without my concern & this is completely Inaccurate and wrong address. wrong details. this doesn't belongs to me at all. 

In Accurate address : 1 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX  XXXX 2 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX this some commercial address not even home address 4 ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX InAccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BELOW IM ATTACHING MY ACCURATE NAME & ADDRESS. apart from this i don't have any address or any names please remove the which is incorrect from my credit history / credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: MIDFIRST BANK
State: VA

Complaint narrative:
I have a mortgage with Midland Mortgage, they have provided some assistance when I was unable to pay due to COVID-19. Now I have become XXXX XXXX XXXXXXXX through the VA and requesting that my mortgage be reduced which I am entitled and it seems to be a bit more difficult. I have attempted to send the documents via fax and the initial fax number was not a good fax. Then I faxed them using a fax at the library this occurred in XX/XX/2022. I continued to follow up, also let me remind you that I also applied for a reduction in my mortgage due to my XXXX and my income being reduced so they had all of the paperwork the early part of XX/XX/2022. I sent them all of the documentation which shows that I'm XXXX XXXX  XXXX and most states have many benefits for Veterans one of the is not paying Real Estate Taxes. Yet, here we are and I'm still waiting for them to deduct them from my mortgage. I've been following up since them and I've been told if it doesn't have a numerical value it will delay the process. Which the document from the city states that I'm entitled to XXXX XXXX exemption. I'm fearful that this Mortgage company is going to start foreclosure process. I attempted to make a payment and had to use two methods of payment and it was refused. I've been struggling to pay many of my bills because I'm adjusting to getting paid once a month. It's unfair for them to say it will take 30 business days when Veterans should take preference in the process.

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 2022-04-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed these hard inquiries from my equifax and XXXX reports but they wont remove them. These are fraudulent inquiries. 
XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11 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: CURO Intermediate Holdings
State: DC

Complaint narrative:
There are XXXX inquiries on my account that were not authorized by me. 


Speedy cash/ curo XX/XX/22 XXXX  XXXX XXXX XX/XX/22 There is no phone number for this company. 

Im not sure about the loan amounts because its not shown on my report.

I have already disputed these inquiries.

Company response to consumer: Closed with explanation