vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MA

Complaint narrative:
Recently, my bank, XXXX XXXX, switched loan servicing company and the name of the new loan servicing company is Dovenmuehle Mortgage Inc. 

XX/XX/XXXX at XXXX Eastern Time, I called XXXX ( Dovenmuehle Mortgage Inc 's Customer Service number ) to asked why I cant register my newly assigned account number so I can view my mortgage online or make a principle payment. 

They asked me to register through the site again at XXXX XXXX XXXX which is a portal for Dovenmuehle mortgages. I kept encountering an error stating " The Information you Entered does not match our Records! '' and the Customer Service Rep told me that I wont be able to create an account until first quarter of XXXX. That is absurd. I then asked to be transferred to a supervisor. Apparently she was of no help and kept telling me false information. Luckily I have a friend who also has a loan by the same banks and he was able to create an account fine today. I called her out on the false information. She said there is nothing she can do about it and I have to wait till first quarter of XXXX to make an account. She also claims that there was no " register account '' link on XXXX XXXX  website which is also false. I will attach screenshots. She then puts me on hold for no reason and makes me wait to come back with " Is there anything else you need? '' -- I asked for her full name and she only gave me her first name and refused to give me her last name. She gave me a telephone code " XXXX '' to reference her. I managed to find her online and her name is XXXX XXXX, Team leader Customer Service at Dovenmuehle Mortgage. 

So my main complaint is why on earth is it possible for my friend to create an account today BUT for me, I have to wait 6 months. I would like to be able to access my mortgage information online and be able to make principle payments if needed. I'm not able to login at all to their website to access my mortgage at this current point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: MS

Complaint narrative:
I am a victim of identity theft. I ask that this debt be removed from all three credit bureaus and any rental history reporting agencies.

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 2021-08-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax wasXX/XX/XXXX, but no response was ever received from them up until now. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of items that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
This loan was discharged in Bankruptcy from mr. Copper and we have tried on several occasions to sell the home and pay off the principal balance but the bank did not want to honor the injunction agreement and has been very difficult to deal with. The principal balance is XXXX but the payoff is $ XXXX which leaves the home underwater ( the value of the home is much less than the amount the bank wants ) as it is in need of repairs badly. We have also tried to short sell the home and again numerous times they have denied us or simply ended all communication with us without any explanation. We recently requested all the original closing documents and Mers certificate from XX/XX/2006 for our review and they have emailed us a random screenshot and a newspaper listing for the auction. We have applied for another short sale 2 weeks ago and the bank is now advising that they will not allow us to short sell the home and have given no reason why. We have tried to upload the home in their system called equator and no one will correspond with us. The bank is covering up that 1. they do not have the original documents and that Mers closed this loan which means it's bifurcated. 2. They know that they are in violation of the bankruptcy injunction and want to steamroll us into foreclosure to get rid of us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Union Home Mortgage Corp
State: OH

Complaint narrative:
Union Home Mortgage has not obeyed Cares Act agreement, my forbearance went into effect XX/XX/XXXX I was in current status. I have continued to stay in contact and ask numerous questions regarding my Mortage. I received a packet in XX/XX/XXXX and dropped it in a XXXX return center, I was told by Union home Mortage that they didn't receive it in XXXX and they would send new documents out, and to not worry about anything because I was under forbearance until the end of XX/XX/XXXX. When I didn't receive new documents I became worried and contacted them again and they said they would leave a message for the person I had spoke to. When no one called in XXXX XXXX became more worried about losing home and my family member offered to buy my home. Union Home Mortage called late XX/XX/XXXX and asked if I was selling and I stated I have no choice you never sent me paperwork to sign after you stated you didn't get the first set. Fast forward to XX/XX/XXXX. Union Home Mortage is stating they are now charging me interest, late fees, inspection fees etc because they did not receive my paperwork to come off of forbearance. Although I have emails showing confirmation stating I was in forbearance. Closing is suppose to be coming to complete and I received closing statement, where Union Home Mortage is charging these fees while I was in a government forbearance program.

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 2021-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/XXXX, I was notified via push notification from the CashApp app that I had been charged {$180.00} from a XXXX store in XXXX, CA ( XXXX ). I immediately reported my card stolen so the compromised card could be deactivated, and I could receive a new card number, changed my PIN, and contacted support. I was initially told there was nothing CashApp could do, and they refused to file a dispute. After reaching support by phone, the associate apologized and allowed me to file a dispute. I received an email asking some questions, which I quickly answered and havent received any follow up as of XX/XX/XXXX, despite being told resolution could take up to 10 days. 

On XX/XX/XXXX, while still waiting for my new Cash Card to arrive in the mail, I received 2 push notifications that I had been charged {$60.00}, and {$180.00} in 2 separate transactions at a XXXX store in XXXX, CA ( XXXX ). I immediately contacted support again, and since the charges were still pending at this time, I was told to reach out to the merchant, which I did. XXXX told me to contact my card issuer. After the charges completed, I was then able to file another dispute. 

All transactions occurred in California, while I live in Alabama, and was in Alabama at the time all transactions took place. I was still in physical possession of the card at the time all transactions took place. At the time of the 2nd and 3rd transactions, I still had not even received my replacement card and had changed my pin number. I also have all security features made available to me by CashApp enabled and activated. 

I followed all steps as described at : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: MN

Complaint narrative:
I have reported an error on Experian 's credit reporting countless times. They just keep sending it back saying it was verified. There is no explanation and they do not send me anything that I signed or anything proving that it is VALID other than they say the original creditor says it is valid. OF COURSE THEY WILL SAY THAT. I am hoping we can set the bar a little higher than that but then again this is America so we probably can not these days judging by the state of things. Anyways, I doubt this will help either but sooner or later I am hoping someone cares enough to do their job. My hope is now in your hands CFPB. Thank you and have a good day and sorry to take it out on you it is just so frustrating that this is allowed to continue. 

These are the charges and they were the result of fraudulent items on the card that I reported to the police and have sent the reports to XXXX XXXX  many, many times. 

XXXX/XXXX/XXXX Also known as XXXX/XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$3.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$2800.00} Highest balance {$3600.00} Terms NA

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 2021-08-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I completed my time at the school and made the agreement to pay the fees. I completed my payment and now when I ask the registrar at the school Regarding my account she continues to try to upsell me and ask that I return to the school she will give me a letter stating my fees were paid in full if I reenroll. I have explained to her on numerous occasions I will not be continuing my education at that school and it is hindering me and my credit. They have reported the information incorrectly and as long as I return to that school they will give me the proof I am requesting. I want the proof I am requesting so that I can have this removed from my credit. 

XXXX XXXX XXXX Alabama

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2021-08-10 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: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$2500.00} Status Account charged off. {$2900.00} written off. 
XXXX XXXX XXXX Potentially negative ount info Account name XXXX XXXX XXXX Account number XXXX Account type Unsecured Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$380.00} XXXX  XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid in settlement. {$390.00} written off. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00}. 









ALL FCRA VIOLATIONS SEE HANDBOOKS : NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Profit Services Group
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA, XXXX All correspondence between the debt collector, Profit Services Group, and I is attached. 

I have sent the debt collectors, Profit Services Group, a request for validation and their response was : " Reviewed account and complaint. the account has been notated and disputed entered in credit report. '' That is not a validation of debt. 

Please advise Pursuant to the FDCPA, communication is defined as any direct or indirect communication about an alleged debt. The debt collectors, Profit Services Group, continuing to furnish this alleged debt to a consumer report makes them in violation of my rights as they are indirectly communicating with me about this alleged debt. Also, this alleged debt has not been validated by any means which also constitutes as fraud. 

This is the last notice. If you fail to comply with the following, as a consumer I follow up with whatever action necessary. 

As a consumer I demand that you provide and do the following actions : Provide documentary evidence that validates that this alleged debt is mine ; Provide documentary evidence that legally grants your company permission to collect on this alleged debt ; Delete this account from my credit file as the reporting of any alleged debt that has not been validated 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 2021-08-10 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: Chime Financial Inc
State: CA

Complaint narrative:
I filed a dispute in Chime Bancorp on XX/XX/2021 with the amount of over {$1100.00} because The service provided by the merchant announced its closure and then I've talked to the merchant through the phone about the problem and the merchant told me that I can issue a refund to my bank and later on XX/XX/2021 my dispute got denied because there was no error. The thing is i filed another dispute on my other credit card which is XXXX XXXX on XX/XX/2021 with the amount of {$260.00} and they just approved my dispute and they considered it case closed. Same merchant because I used XXXX credit card to pay the service which is Chime Bancorp and XXXX XXXX. I can provide another information or documents to follow up if needed Rebuttal : XXXX XX/XX/2021 ) I submitted a new additional information from the merchant that i can issue a refund through my bank and chime refused to do it. 

Update # 3 : XX/XX/2021 XXXX Closed ) i got an email that they closed my case even though I got a notification that XXXX of the purchased i made from the merchant was cancelled and will be refunded to my card ending - XXXX and still they closed the issue. 

I have all evidence here that I am eligible for refund and chime refused to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all XXXX credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I recently reviewed my credit report and found unauthorized inquiries. I contacted the below creditors and they have No proof I initated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you assist in having in getting DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 
Under 15 U.S. Code 16811, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be in accurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Capital One - inquiry from XX/XX/2021 I AM REQUESTING UNDER FCRA 605B THAT THESE INQUIRES ARE IMMEDIATELY REMOVED FROM MY CREDIT REPORT FCRA 605B ( 15 U.S.C. $ 1681C-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation