vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Our home hazard insurance with XXXX was due on XX/XX/XXXX. I contacted our mortgage company, Nationstar Mortgage ( Mr. Cooper ) for payment status on XXXX and XX/XX/XXXX since our insurance company notified us that they have yet received the payment. Mr. Cooper didn't respond until XX/XX/XXXX and told us our insurance was due on XX/XX/XXXX, but they will go ahead make the payment in advance. Then they told us to go somewhere else for further questions and close the case. We were under the impression from their message that theyll go ahead and pay the hazard insurance. On XX/XX/XXXX, we found out our insurance company had dropped our coverage. I immediately contacted a XXXX XXXX agent to assist in getting new hazard insurance in place and updated Mr. Cooper with the new insurance info. On XX/XX/XXXX, Mr. Cooper sent us a letter stating there's a lapse of coverage from XX/XX/XXXX to XX/XX/XXXX and wants us to provide proof of coverage or they will charge {$410.00} on our account. 

1. Mr. Cooper seems to be contradicting themselves. They said our original insurance is not due until XX/XX/XXXX so where is the lapse? 2. We had coverage for XX/XX/XXXX through XX/XX/XXXX. If Mr. Cooper had paid the insurance on time through the escrow account, our previous insurance company wouldnt have dropped us. 3. Since Mr .

Cooper failed to make the payment and caused our insurance to be dropped by XXXX, now Mr. Cooper wants us to pay {$410.00} for the lapse in coverage. It really sounds like theyre attempting to scam on us. First, they told us the hazard insurance is not due until XX/XX/XXXX, and now they say theres a lapse in coverage and want us to pay {$410.00} for it. 

Wed like Consumer Financial Protection Bureau 's help in facilitating communications with Mr. Cooper. I've lost my confidence in dealing with Mr. Cooper and their service departments have not been exemplary. It takes forever for them to answer the phone, and it took them 3 weeks to respond via the web. We dont think their current staff is capable of handling this matter and wed like someone who runs these departments to contact us via mail and waive the {$410.00} fee plus whatever fees that may be associated with the lapse of insurance that they caused. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent onXX/XX/XXXX) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: MO

Complaint narrative:
on XX/XX/XXXX I received a statement for a balance of {$590.00} of which I felt I didn't owe, for a medication that was sent to me without my prior payment or authorization for payment in the form of credit /debit card check or cash. I had previously talked with a representative from the company and ended with an understanding that I had no credit card or any other form of payment on record, other than insurance from part D of my social security, and a grant from the XXXX XXXX for assistance in covering my co-pay amounts. I made it clear to the company that I would not be paying any of the bill. 
But, the company sent the medication anyway and billed me. I was unable to pay do to my being on a fixed income. I responded to the company by mail with an explanation, and reason that I felt not responsible for their error in shipping a medication without prior payment, as I know is a policy of the company. My letter dated XX/XX/XXXX to follow. Again I received another statement just like the first on XX/XX/XXXX, and again I responded with a letter XX/XX/XXXX and confirmed that their statement must be an oversight. I received another statement XX/XX/XXXX for the same amount and this time soon after on XX/XX/XXXX I received a letter from a debt collector on behave of the company. I replied to the debt collector and also the company with a letter of my own to try and get them to quit sending these harassing statements and letters. I received two more letters from the same debt collector from a ( XXXX XXXX ) on XX/XX/XXXX and XX/XX/XXXX. I am at my wits ends trying to explain to the company and the debt collector that I do not owe them money. There was a mistake made by the company in shipping out a medication prior to having payment or having any form of payment on file. I was on an assistance program because i could not afford the medication, and between my XXXX XXXX XXXX, supplemental insurance, and finally an assistance grant from the XXXX XXXX costs were taken care of till of course funds ran out, at which point I would have to seeks other assistance from another form..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
I disclosed the fact that I would only have 6 months of payments on a 2nd mortgage, actually a HELOC loan before I gave BETTER any money. I told Better 's front man, XXXX, that I wasn't interested in applying unless they could accept this. When he told me this wouldn't be a problem and that they wouldn't be as aggressive about collecting as much income paperwork ( tax returns ) as XXXX because my XXXX is only 59 % and my credit score is XXXX -- that there wouldn't be a problem When they started asking about an 11 year old bankruptcy that's no longer on any credit reports I said I was no longer interested banking with BETTER, but XXXX said he'd talked to underwriting about the 6 months of payments and the leaving the bankruptcy in the past -- as it's no longer on credit reports ( I made sure ) then he talked me into giving him XXXX for an appraisal. 

Now, nearly 2 months later after asking for every single document under the sun, about a career I've been in for 12 years, BETTER is saying they have denied my loan -- which will damage my credit score -- because of the 6 months worth of payments I disclosed UP FRONT USING THE EXCUSE that they found a default in XXXX -- WHICH Better admits in writing was prior to my XXXX bankruptcy. 

First of all -- I knew of no default, I made arrangements to pay XXXX ( the mortgage portion that went out of business ) before the bankruptcy then kept paying after the bankruptcy and continued to pay them through XXXX. And I've proved to BETTER I paid them through XXXX. 

How is it legal to deny credit over something that happened in XXXX. I'm reading that people have had FORECLOSURES go through and been able to get loans just fine in 10 years. That was 15 years ago. 

I want my money back or I want the loan approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: CO

Complaint narrative:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2021-04-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: CO

Complaint narrative:
I was seen in the ER at XXXX XXXX in XXXX  XXXX and needed XXXX XXXX. Upon my arrival at the ER I completed all the necessary insurance paperwork and provided my military ID to verify XXXX coverage. When I left the ER the same day I was provided more paperwork at check out which I completed. I received one bill from XXXX XXXX XXXX XXXX in XXXX of XXXX but there was no mention of them not having my XXXX information. I also received a bill from the hospital but that was paid by XXXX and so I assumed ( which I should not have done ) that the XXXX bill was taken care of as well because I never received another bill. In XXXX of XXXX three separate account numbers from the same day/service were submitted to collections and showed on my credit report which dropped it by more than 70 points. I called XXXX immediately and they stated they never received any claims for that day. I then called the billing office of XXXX and they stated the claim was mistakenly sent to the VA where I do not receive any care. The claim was denied by the VA ( or so I was told ) and so it was sent to collections ; I never received any form of documentation from XXXX giving me the opportunity to rectify the situation before it had gotten to that point. They assured me they would refile to XXXX and remove the debt, which eventually happened after about a month. 
Yesterday I received another statement from the same collections agency ( Americollect ) and the three separate charges went back on my credit report, dropping it again by 77 points. When I spoke with the billing office they denied a claim was ever submitted to the VA and that I was responsible for the bill because I did not provide my insurance information. None of this makes any sense. I spoke with XXXX and they said they'd be happy to pay the claim but they would need proof of timely filing. They provided XXXX this decision on XX/XX/XXXX. XXXX never notified me of this update before reinstating the three collection charges. When I asked them if any documentation was ever sent out after that decision to give me the chance to pay or continue to work on this, they said they did not take any actions to notify me. They refused to submit proof of timely filing claiming I did not provide my insurance information and XXXX needs it to pay the claim. I am at my wits end trying to figure out what went wrong and where so I can rectify this. I am a XXXX XXXX XXXX and having to pay this would put me in financial distress, not to mention what it has done to my credit report. I could really use some help. Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I had a wire transfer sent on XX/XX/XXXX ( yesterday ) via state incoming wire. I talked to Chase on the XXXX and said it will arrive by noon on the XXXX. I called today at XXXX and they said 'maybe tomorrow. ' The person who sent the outgoing wire has had the money deducted from his account- but I am getting a run around from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NC

Complaint narrative:
Hello, i am distressed to inform you that the credit bureaus have been giving me multiple problems when trying to correct something on my report that is in violation of federal law. For one i submitted my dispute 50 days ago which Im sure is over the limit given ( Sent on XXXX ) I also did not give authorization to the original creditor to give my personal non public information out, this is a clear violation of 15 USC 1692g ( 5 ). And even after presenting that I cant even get a timely response let alone my report fixed. 

I would really like your help getting this off of my report. This has severely impacted my ability to obtain credit or do anything pertaining such. 

Thank you for your consideration

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 2021-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: Pacific Rim Alliance Corporation
State: NM

Complaint narrative:
A number of years ago I took a payday loan out with CheckMate, on XXXX XXXX in New Mexico. I let them know one day that a payment was going to be late. After that they started a problem, they started harassing me, calling me repeatedly some times 10- 20 times non stop. When I was at work, early in the morning, and if I recall correctly, emailing me as well. 

Eventually I was forced to change my contact information, and complain to Checkmate. I also disputed their reports on my Credit. Later from what I recall the situation was resolved, and everyone was satisfied. Now all of a sudden they are reporting to my credit again wanting XXXX XXXX dollars. An amount that definitely NOT owed or correct. The creditor they have hired also appears to not exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
XX/XX/XXXX thru XX/XX/XXXX i been trying to retrieve my money that was used in a scam.And when i called you, the money was still pending and u didnt stop it the transaction u told me that it had to be recieve first and then u could get my money back.. U told me to register my card on 4 attempts it never got register on the 5th attempt it was denied and you told me to report it to police ... And your custumer service was rude and horrible especially the foriegn women ... Your card was used and requested by this company to scam me out of my money ... And you didnt help me to get it back ut seem to me like you was in this together ... The Scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21 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: NJ

Complaint narrative:
XXXX XXXX are reporting wrong information on all my credit reports, in the month of XXXX XXXX they report a late payment of 30 days and then on XX/XX/XXXX they report a 90 days of late payment. HOW CAN THIS BE POSSIBLE??? 
See attachments I DEMAND RIGHT NOW ASAP THAT THIS ACCOUNT TO BE REMOVE FROM MY CREDIT REPORT DUE TO FALSE AND MISLEADING INFORMATION. 

Also XXXX XXXX sold this account to XXXX XXXX XXXX with all my personal and confidential information like SSN, NAMES, BIRTHDAY, ADRESS etc etc. 
The FCRA prohibit all of this, check The FCRA sections 604, 609, 611, 613. 

Since the year XXXX I am requesting copys of the receipts that shows for how much XXXX XXXX sold this account to XXXX XXXX XXXX with all my confidential information. 
Till this day XXXX XXXX are not cooperating with my person and have not send the requested receipts.

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 2021-04-21 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial are reporting wrong information on all my credit reports, in the month of XXXX XXXX they report a late payment of 30 days and then on XX/XX/XXXX they report a 90 days of late payment. HOW CAN THIS BE POSSIBLE??? 
See attachments I DEMAND RIGHT NOW ASAP THAT THIS ACCOUNT TO BE REMOVE FROM MY CREDIT REPORT DUE TO FALSE AND MISLEADING INFORMATION. 

Also Ally Financial sold this account to XXXX XXXX  XXXX with all my personal and confidential information like SSN, NAMES, BIRTHDAY, ADRESS etc etc. 
The FCRA prohibit all of this, check The FCRA sections 604, 609, 611, 613. 

Since the year XXXX I am requesting copys of the receipts that shows for how much Ally Financial sold this account to XXXX XXXX XXXX with all my confidential information. 
Till this day Ally Financial are not cooperating with my person and have not send the requested receipts.

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 2021-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My wife XXXX XXXX XXXX XXXX and I XXXX XXXX XXXX XXXX have received a promotion in the mail ( see exhibit 1 ) and email ( exhibit # 2 ). The promotion was continent upon opening a new Citi Miles Ahead Savings Account and depositing {$200000.00}, whereas we would receive XXXX AAdvantage miles and appropriate interest as advertised if deposit the funds within 30 days of account opening and maintain the funds there for 60 days. 
We called on the phone and created an account ( ending with # XXXX XXXX. Based on welcome packet we received, the effective opening date of that account was XX/XX/XXXX. As per terms of the promotion, we have deposited the required funds into the account within 30 days XXXX our check was deposited XX/XX/XXXX ). Without our authorization, Citi created an identical Miles Ahead Savings Account XXXX ending in XXXX XXXX on XX/XX/XXXX. Then Citi moved the deposit into this other identical Miles head Account XXXX XXXX XXXX on XX/XX/XXXX. Because it was moved out of the first one before staying in there for the 60 days needed to earn this promotion and it was moved into the 2nd one after the 30 days ( too late to qualify for promotion on this one ), I became ineligible for promotion on either one.

I think this is a malicious effort by Citi to get out of paying the promotion. And nobody can still explain to me why the 2nd account was opened and why money moved into that account. I have made considerable effort to reach out to Citi to address this problem, but to no avail. I am attaching exhibit # 3 and # 4 to show their responses. I have all detailed statements and communication from Citi to show how this happened and can provide upon request.

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 2021-04-21 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: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
This account was sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. In addition, as stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy.

Company response to consumer: Closed with non-monetary relief