vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I had lost my job in the heat of the pandemic. I was out of work for several months and Mr.Cooper had suggested a deferral program to move our monthly payments to the end of our loan then resume regular monthly payments at any time. 

Grateful for their flexibility we agreed. After about 6 months we were ready to resume payments on our mortgage. We were told by a Mr.Cooper rep that we are still within our window to continue our deferral that we could do so for a full year. Feeling again grateful, we agreed to defer payments again. Until a few months ago we contacted Mr.Cooper to discuss the details of repayment and we learned that deferral was no longer an option for VA loans and that we would need to be enrolled in a forbearance payment plan which doubled our monthly payments. 

-We were never informed by Mr.Cooper of the change and asked if we wanted to continue our deferral. 
-We called multiple times inquiring about our mortgage and getting info to resume payments and assured we were fine. 
-Now the only option is to double our monthly payments or pay a lump sum of $ XXXX. 
-All the blame was passed to the VA and not to Mr.Cooper who failed to inform us of our options sooner. 

This does not seem fair to be provided false information then forced us to agree to increased payments that we can not afford. This causing hardship on our family that is not our fault. No consideration for their responsibility to customers. We have placed our house on the market in hopes of selling to get out of this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I bought some furniture from Ashley furniture in XXXX bought almost XXXX of furniture for a new home and asked to not add protection plan for XXXX I didnt think nothing off it then the furniture started pealing and I went to the store they asked me did I have protection plan I told them no and the employee ended of still checking and advised I had it and my response was wow I dont know if thats a good thing or bad thing so I went home and filed a claim, sent the pictures and was denied as if it was my fault I reached out to Synchrony to dispute multiple times of the amount because it was not supposed to be there and then later the charge came back reached out to location XXXX GA XXXX to a representative almost XXXX min of my life where I bought it from never can get in contact with store XXXX its always something she assured me the XXXX would call back I have been to location and still no success so I finally went to XXXX Ga XXXX XXXX to someone named XXXX she XXXX extremely helpful I advised if she could please reach out to her store XXXX on what to do because upon calling the Protect All By XXXX company back XXXX of the representatives advised you should get your money back you didn't use it and the store should refund you store XXXX got in touch with me and advised it was already a complete sale the warranty company should help with that point of sale ok so I reached back out to warranty company spoke to XXXX XXXX and XXXX advised she would reach out to corporate to request a refund well never heard anything back reach back out week of XXXX told me to wait reached back out to warranty they advised give it more time then called warranty back to speak to XXXX XXXX and was XXXX XXXX was down and XXXX would call back XXXX did not happen called today XX/XX/XXXX spoke the XXXX and she was extremely nasty and not willing to help at all pretty much gave me the option to figure it out so I am requesting my money back of the protection plan of XXXX or credit back to my XXXX Synchrony account

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 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capital One sold the account to XXXXXXXX XXXX XXXX for XXXX and now XXXX  has tried to force me to pay for the entire amount after the fact. XXXX  has threatened to sue me and called me over and over again until I changed my number and challenged the debt. They said they provided XXXX goods and services and have no contract for the debt to them by me and refused to give me a copy of the amount of actual cost for the account as they are trying to unjustly enrich themselves for a debt they bought for XXXX dollars. 

The debt that was bought was not actual debt I owe them and on XXXX they verified that the debt was not from or by them and they just bought it from capital one and will sue me for collection of it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Iam writing to express my deep concern and disappointment regarding the abrupt and unexplained closure of all my Chase credit cards and banking accounts, which I have held in good standing for over nine years. This incident has left me not only bewildered but also severely impacted, both personally and professionally. 

For nearly a decade, I have maintained five credit cards with Chase, consistently demonstrating responsible financial management. To my surprise and dismay I discovered that all my credit card accounts, along with two savings accounts and one checking account, had been shut down without any valid explanation. What is even more perplexing is that Chase also terminated my business accounts, despite the clear separation between my personal and LLC finances. This action has had a detrimental effect on my ability to conduct business and manage my financial affairs. 
Despite numerous attempts to seek clarification and resolution by visiting my local branch on five separate occasions, I have received no satisfactory response or assistance from chase customer service representatives. This lack of communication and support from a bank of Chase 's stature is highly disconcerting. 

Furthermore, this sudden and unexplained account closure has negatively impacted my credit score, which I have diligently maintained over the years. I believe that Chase 's actions are not only unjustified but also damaging to my financial stability and reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Credit Corp Solutions Inc.
State: NJ

Complaint narrative:
XXXX, XXXX, & XXXX XXXX sent me a letter to try to collect a debt that I owe " XXXX XXXX XXXX, XXXX '' on behalf of XXXX XXXX account number ending in XXXX. I do not have a credit card ending in this number with XXXX XXXX. I do not have any active accounts with XXXX XXXX. I called XXXX XXXX  and they confirmed this as well. XXXX, XXXX, & XXXX XXXX sent me a letter that " You are being Sued '' with a docket No. for the XXXX XXXX XXXX XXXX in XXXX XXXX 

I called XXXX and also confirmed that this synchrony bank account does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
On XX/XX/XXXX I received a phone call from State Collections about a debt. They stated I owed {$280.00}. I asked who the original biller was and what the charges were for. They stated XXXX XXXX XXXX ( XXXX ). I told them that that was a medical billing company and not the original biller, I wanted all the info. I was put on hold for a long time and the woman basically wouldn't tell me anything else. She finally said she would mail me all the info, as I wanted it. Didn't hear anything about it again so thought it was just some scam. 

On XX/XX/XXXX I FINALLY received info from them on what the bills were pertaining to. Not only did they NOT include any info on debt dispute ( or the fact that I have to do it within 30 days ) they also didn't even send the correct information. The bill verifications they sent only added up to {$100.00}. I finally called them to see what was going on as every time I hear from them I either don't get information or don't get correct information. Now, suddenly there were " missing pages '' they didn't send. They could send it if I wanted. I told them they also did not send ANY information on the debt dispute that I am allowed. She says she is not required to but I can get it if I want. They are supposedly sending me copies of these. Since it took over 3 months to get the previous info, I have very little faith in anything they state they will send.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
INQUIRIES I NEVER AUTHORIZED AND ARE UNAWARE OF AND WANT DELETED XXXX XXXX XXXX XXXX - XX/XX/XXXX BANK XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX ADDRESS I HAVE NEVER LIVED AT AND WANT DELETED XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NAME I HAVE NEVER USED AND WANT DELETED D XXXX XXXX EMPLOYMENT I NEVER WORKED BEFORE AND WANT DELETED XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
It is truly unjustifiable that I have consistently made on-time payments for this account and have never been late. I kindly request that you update my account to reflect this accurately.

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 2023-09-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MI

Complaint narrative:
My student loan SAVE plan reflects a payment I can not afford. I tried to get it redetermined, but their website still displays the incorrect higher amount. I can not afford to pay ANYTHING right now or for the foreseeable future, unless something changes. I have tried to reach them countless times. Each call is met with XXXX hour hold times, and calls are always disconnected before they are answered. Most days I start calling when they open and have been disconnected while on hold XXXX times throughout the day, giving up when they close. Every day for months. I also have submitted several requests to be contacted via their website email form, also without any response. My payment counts only show from XXXX, however I have been paying since XXXX, qualifying me for discharge. The balance is incorrect as well. Additionally, they are reporting on my credit report absolute nonsense that does not coincide with the amount they say I owe or anything else I can find. This has cost me considerable XXXX XXXX points. I feel this is likely illegal. How can I be expected to pay an incorrect amount on an incorrect amount, while simultaneously having different incorrect amounts reported on my credit, and just... ignore it and pay, hoping they straighten it out eventually?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: WI

Complaint narrative:
This is now the third time that XXXX has sent me to collections. I am getting really tired of the hours I have had to spend on the phone and they never resolve the issue. I have filed identity theft reports with my local police office, spent hours on the phone with them, and now have to do it again. This company is a ridiculous. I have been working hard to turn my credit around and XXXX just continues to allow phones and services to be billed to me when I will never use their service. XXXX is absolutely ridiculous. I have never used them and never will. You would think the {$1000.00} 's that has been wasted when they continue to let people falsely create accounts would make them wake up but it turns out that is not the case.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: TX

Complaint narrative:
I have contacted the company in regards to the late payments. I was told this would be rectified however nothing has been done. 

PLEASE SEE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally XXXX. Please take an action with this innacurrate accounts.

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 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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 2023-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX sold the account to Midland credit Management for XXXX and now MCM has tried to force me to pay for the entire amount after the fact. MCM has threatened to sue me and called me over and over again until I changed my number and challenged the debt. They said they provided XXXX goods and services and have no contract for the debt to them by me and refused to give me a copy of the amount of actual cost for the account as they are trying to unjustly enrich themselves for a debt they bought for XXXX dollars. 

The debt that was bought was not actual debt I owe them and on XXXX they verified that the debt was not from or by them and they just bought it from capital XXXX and will sue me for collection of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with Fair Credit Reporting Act there are 3 Accounts : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX # XXXX That have 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. 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.

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 2023-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
Company closed account, will not give me the XXXX $ in the account, American Express XXXX XXXX XXXX, I was told to initiate a recall with the original funding source, this does not exist, spoke with XXXX of XXXX for XXXX XXXX that was original funding source, recall funds does not exist, never has, and never will, American Express is holding onto my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting 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: MI

Complaint narrative:
XXXX is in violation of the FCRA by reporting negative inaccurate information on my credit report. This NOT my account, on my credit report the opening date of XX/XX/2021 and the account # listed is XXXX. This negative inaccurate information needs to validated.

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 2023-09-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I urge you to expedite the update of my account as I have always made payments on time. The current situation is causing me a great deal of distress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
PLEASE REMOVE THIS ACCOUNT AND THIS INQUIRY THE MY CREDIT REPORT ACCOUNT : XXXX XXXX - XXXX INQUIRY : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-27 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
PLEASE INVESTIGATE THESE ACCOUNTS AND THESE INQUIRIES ACCOUNTS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation