vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a letter to the Chief Credit Officer with a copy to the Chief Legal Officer disputing certain negative reporting on my credit report related to my mortgage loan. I disputed a late payment on XXXX XXXX and another one on XXXX XXXX. I received a communication from the lender indicating that the XXXX XXXX payment had been removed, but the communication did not address the status of the XXXX XXXX dispute. On XX/XX/XXXX, I spoke with a representative regarding the dispute at which time they indicated that a dispute was being opened and that they would communicate their finding within 30 days. I received no update. On XX/XX/XXXX, I spoke with another representative regarding the XXXX XXXX late payment. I was told that because the dispute on XXXX XXXX, XXXX was verbal, the lender was not obligated to respond within 30 days. At that time, I told the representative that I had provided a written communication of the dispute previously. She gave me an email address to which I could send evidence of the written communication. On XX/XX/XXXX, I emailed the documents to the lender at the email addressed they provided to me. I called and spoke with another agent on that date and was told that the dispute was being elevated to the credit branch, and that they would get back with me. On XX/XX/XXXX, I called and spoke with an agent who transferred me to another agent, XXXX, in the escalation unit. XXXX indicated that they had responded to me in a letter dated on or about XX/XX/XXXX. When I pointed out that the XX/XX/XXXX letter only addressed the XXXX XXXX late payment, not the XXXX XXXX late payment, he indicated that it was " still a response. '' I told him that it was not a response, because it did not address the second dispute. I told him that they needed to remove the late payment from my credit file, since they had failed to respond within 30 days of the dispute, as required by the Fair Credit Reporting Act. He told me that they would not remove the late payment. I disputed the payments because the originator of the loan, XXXX XXXX XXXX XXXX, and the servicer of the loan, Nationstar ( now Mr. Cooper ) have long enjoyed a co-branding agreement where in they encourage customers to make payments via the XXXX website and mobile app. The servicer indicated during my communications that they record the payment as of the date it clears, not the date the payment is initiated. Because of the strong co-branding, most customers are unaware of the distinction.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have been joked and toy with by Citi They refuse to fix what they did wrong They just want to confuse me and focus the issue on XXXX ftom last year They accused me of Laing They failed to apply the {$1000.00} payment And they think I am XXXX  and they do everything not to own their mistake Why would I suddenly make a {$1000.00} payment???????? 

Yesterday guy called me He was rude discriminatory So I told the executive office his not allow to call me of send me of email me I called the executive office and I was told XXXX is the person working on my case and she will call me they laid Now executive office lai to me she is no where to be found She never called I got this ridiculous email

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 2021-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
I have a fradulent account on my credit report that I have never heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I went through XXXX on XXXX XX/XX/2021 to dispute the currently three late payments from two Capital One accounts among another account. Instead they just closed the account and Capital One has declined my request however, the other has approved. All three accounts are under a credit counseling program and I have made my payments per month as agreed by Capital One. One account was agreed for {$35.00} a month, and the other was agreed for {$87.00} a month. I don't feel it's fair for the consumers to have to go back and forth with the merchants and battle the situation out with them when there's nothing to argue about, so I refuse to. The dispute with XXXX should have taken care of that. Today is the XXXX, so essentially they took no time or consideration to look at the facts or their own document they had agreed to, which I sent in along with my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Concord Servicing Corporation
State: PA

Complaint narrative:
In XXXX I obtained a loan for energy improvements to my home, through the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

I have been making payments on that loan until, unbeknownst to me, the company that services that loan XXXX XXXX XXXX stopped payment through the automatic payment method that I had set up with them. It appears that this occurred XX/XX/XXXX. 

I have not received any written communication from XXXX XXXX XXXX to explain why payment was stopped. On or around XX/XX/XXXX I became aware that these payments were no longer being made. When I attempted to log in to my XXXX XXXX XXXX account, I found that my account was no longer accessible. When I was able to access their website with new credentials, my loan was no longer linked to my account. I still have no access to any information about my loan, since this was all done via the web account ( paperless ). I also have not received any emails from XXXX XXXX about the account. 

Around XX/XX/XXXX I received a call from a bill collector notifying me that they were collecting the debt on the account. I told them that I would not pay the debt until I was able to establish contact with the lender. Since this time I have been attempting to contact XXXX XXXX. 

The phone number at the XXXX XXXX office apparently doesn't pertain to loans outside of California or Florida. When I call this number I am internally forwarded to a third party bill collector, Concord. 

I have also attempted to contact XXXX XXXX via email and through the form on the XXXX XXXX website but have not received a reply. 

I am unable to contact the lender to confirm or understand the reason that my loan payment stopped or why this was referred to a bill collector. As I have no information from a trusted source regarding this loan, I am contacting CFPB to understand the legitimacy of the claim against 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 2021-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
INXX/XX/XXXX " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS. 

SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT. 

AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''. 

" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED. 

" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I. 

I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE. 

THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED. 

DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES. 

I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: MI

Complaint narrative:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2021-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I have submitted a dispute to transunion on XXXX XXXX and have not received any information. The file is currently still under dispute.

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 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2021 I noticed that there errors, inconsistent, inaccurate, and violations through out transunion, experian, and equifax. they even have a couple accounts 120 days past due which that is a violation. I believe credit reports should be 100 % accurate and these are not. Child support should not be on profile as a loan.

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 2021-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
In XXXX, XXXX, I leased a brand new XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, Tx. I made a substantial down payment. In XXXX, XXXX, the check engine light came on. I took the car into the service department and they kept it for a few days and told me that they couldn't find why the check engine light was on. I got the vehicle back from service and the light was off. In XXXX, XXXX, the check engine light came back on. I took the car back to service and they kept it for approximately a week and called me to pick the vehicle up and they still had not diagnosed the trouble. In XX/XX/XXXX, I was driving from XXXX to XXXX and the vehicle was stalling and the check engine light came back on. I had to turn around and try to get back to XXXX because I did not know what was happening. The service department was closed for the holidays but I took the vehicle to service as soon they opened for business. My service advisor was XXXX. I also advised him that the radio was going on and off as if it had a short in it. They repaired the radio but still had no answer to the " check engine light ''. In XXXX of XXXX, the vehicle was stalling again and the check engine light was back on. 
I took the car back to the service department and told them not to call me until they could diagnose the problem. 
I did not hear from them. I went into the finance department and ask if I could end my lease and that I was willing to pay any fees that I owed..I just wanted out of that LEMON! The people in the office kept telling me that I needed to talk to the Manager. I sat and waited for hours to speak with the XXXX XXXX. After waiting, I was then told that I needed to speak with the lady that wrote the lease. Every time I would call to make an appointment with her, they would say " she's not in ''. 
The vehicle was still in service and I did not get any updates or nothing. I finally called them in XXXX and ask if they had diagnosed the problem and I was told that the vehicle was no longer there ... that they had SOLD it. 

Now Lincoln Financial Automotive keeps billing me {$16000.00} and has put it on my credit report. I hired a Lemon Law attorney but he did not follow through.

This is NOT fair to me and every time I try to call Lincoln Financial, they pretend that they can't find my account. 

This has been a nightmare for me. I am just reaching out to anyone that I feel might be able to help me. 

sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: MA

Complaint narrative:
I filed a fraud dispute on my New Mexico unemployment epic card and conduent wrongly frozen my account refusing to release my account and give me access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: VA

Complaint narrative:
In XXXX of XXXX I took out a {$700.00} installment loan from speedy cash. I made payments every month for about 6 months and my balance just kept going up. I tried to talk to speedy cash about it but they just told me that there was nothing they could do and I still had to make payments. They even reported wrong on my credit report. The date is listed for XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I applied for a master card synchroncy plus credit card with a 16 month no interest promotional and 2 % rewards. 
I used the card for the first time got the rewards but next time a logged in on the account the rewards had been removed and I was being charged interest. I contacted the company and was told I my card was not a promotional card it was a rollover account from an old XXXX card. XXXX went out of business last year. I got no answer on what happened to the rewards. I have never been late on any payments and I was paying much more than the minimum amount.

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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, I logged in to make my monthly payment. Two days later, XX/XX/2020, Mr Cooper deducted another payment from my account. I had not gone in twice and submitted a duplicate payment. That is what they are saying must have happened. I use the bank account for this payment strictly to pay my mortgage and life insurance, and transfer they funds once I submit the payment. I have reached out since this happened to them, and have had almost no response. I incurred bank fees and a fee from them as well. They have reversed their fee but I want an answer as to how this happened. I also would like to see about getting a letter from them about the error to see if I can get my fees reversed. But no one responds or answers. The bank account is in both my name and my sisters, which will show on the attached statement. The mortgage is in my name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX was paid off on XX/XX/2021. They submitted a trade line request to have it removed from my credit report on XX/XX/2021. I called Equifax on XX/XX/2021 and was informed they had not yet received it. I called XXXX that stated it was submitted on XX/XX/2021. I am waiting to apply for a mortgage once this is removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.L. Zager P.C.
State: NY

Complaint narrative:
it was discovered that M.L.ZAGER, P.C had made a hard inquiry under my name XXXXfor an amount of XXXX. I am reporting it as fraudulent action because they use my info to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
In the previous letter ( XXXX ) I was not provided with any of the documents that I requested. There is an unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. AMERICAN EXPRESS ( Opened XXXX. XXXX, 2016 ). For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Trying to collect a debt over 8 years old. I had no idea of this debt. And they couldnt provide me proof of debt. They are threatening to garnish my wages and have accumulated over {$800.00} in fees. They also call me multiple times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: TX

Complaint narrative:
I have had the account with Equifax since XX/XX/XXXX after placing a Fraud and Freeze alert on the my account. I had my identity stolen. 
As I had done with the other reporting agencies ( XXXX  and XXXX ) Ever since Equifax had the breach in XXXX I have not been able to access my online account. I have spoken with them several times over the past 3 years and they were suppose to have resolved whatever the problem was or is. Today, the same thing happened after speaking with their customer service agent. Same conversation, same resolution ( none ). On XX/XX/XXXX I spoke with them, they was suppose to escalate the issue to their supervisor to correct the error ( which they couldn't tell me the error ). So to date, that obviously wasn't done. No other credit reporting is having this problem with my access.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
On XX/XX/21 on the FHFA website a press release has this quote ; " FHFA also announced that borrowers with a mortgage backed by XXXX XXXX  or XXXX XXXX may be eligible for an additional forbearance extension of up to XXXX months. '' On XX/XX/21 I called my mortage servicer Mr. Cooper, and inquired about extending our forbearance. I was informed Mr. Cooper had no information or guidance on the the FHFA directive. 

I am concerned that I am missing the opportunity to extend my forbearance

Company response to consumer: Closed with explanation