vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr Cooper mortgage company ( XXXX XXXX XXXX XXXX. XXXX, TX XXXX ) received my mortgage loan from another mortgage company in XX/XX/2019. That mortgage was issued several years ago, and has compounding account to collect money for insurance and property taxes. The mortgage loan number is XXXX. In XX/XX/2019 annual payment to XXXX insurance agency was due but was not paid ( amount due for insurance about {$850.00}, available escrow over {$2000.00} ). In XX/XX/2019 XXXX contacted me about missing funds. I called Mr Cooper in  mid-XX/XX/2019 and informed them that they need to pay for insurance. Representative said that their insurance department will investigate. XXXX agent informed me that they send invoice to Mr Cooper. 
As of today, XX/XX/2019, I called to Mr Cooper again, and talked to insurance department representative XXXX ext. XXXX. She told me the following : 1.  Insurance was not paid. 
2. Insurance policy was canceled on XX/XX/2019. I told her that XXXX canceled due to non-payment. 
2. She did not know where I can file a complaint about it, she did not know about CFPB. 
3. There were no notes of my prior calls, except on XX/XX/XXXX, when I told Mr. Cooper refinance department that I will not refinance with them until they fix insurance issue. 
4. Mr Cooper did receive an invoice for insurance from XXXX in XX/XX/2019. 

Mr Cooper is collecting money for insurance but then not paying for it when it is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I paid off my auto loan in XXXX, received my title in XXXX. My car was in an accident before paying off my loan. They have been holding my insurance money for 4 months and keep saying they are going to send it within 5 days but have not done so. Meanwhile my car is not being fixed. It is my money, I owe this company nothing, but yet they are not sending me my money. I have called numerous occasions and still they have not sent it. The company is TD Auto out of South Carolina and home office is in XXXX. It is not fair to a US citizen to go through these behaviors from a company outside of the US!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that NELNET XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I submitted a dispute through Transunion for a supposed medical debt that I owed on XX/XX/2019. It is now XX/XX/XXXX with no resolution. The credit bureau has 30 days to determine if the disputed information is correct or incorrect. If it isn't resolved within those 30 days, the creditor must delete it. I called Transunion and the representative told me that this department handling my dispute wasn't open and that she couldn't access my file. I would like this removed from my credit report due to the fact that it has been over 30 days with no response. Thank you.

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 2019-10-19 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: FL

Complaint narrative:
I have disputed inaccuracies with Equifax on my credit profile even sent documents via fax, email, electronic and their own upload portal all the credit bureaus were notified that my information was leaked through Equifax and they fixed it but Equifax refuses to do so I have well over 22 inquiries not belonging to me and continuing I also made all bureaus aware of my correct name and address I just recently had a Adverse reaction to employment in my line of work because it was reported that I have four other spellings of my name and the state of my license is wrong I live in Florida not Texas. 

Can a lawyer be recommended for me Im at lost for words I have done everything the fact that I cant get a good job in my career and the fact that I cant even own a home at my age I have had to continue to live in expensive apartments because Equifax refuses to remove anything I call they would tell me ok and then I check back in like a month or so all the wrong information is still reporting. 

Because of Equifax my data was breach Ive been invested in getting it all clear the other bureaus have made changes after getting my documents and Equifax refuses. 

I cant catch a break my kids are grown now and will never know what it means to grow in there own home thanks Equifax for all the trauma weve been through.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that XXXX XXXX   XXXX has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 
Nelnet took over this loan from XXXX XXXX XXXX XXXX   for two accounts. XXXX XXXX XXXX XXXX is still reporting as a duplicate when it should of been consolidated with Nelnet credit file. I was also forgiven on these loans earlier this year due to that I am XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: TX

Complaint narrative:
I wrote several letter to this company about multiple medical accounts. I have not received any information from this company complaining to the letter that was sent. I asked them to verify that the debt belongs to me. I also explained to them it is against the HIPPA to share my medical records with anyone. It is also against the law to sell or share medical records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
There were several unauthorized recurring debits in my checking account from XXXX ph # XXXX. I made a claim to Wells Fargo to dispute all charges from this place on XX/XX/XXXX I was advised they would let me know the outcome but never got a response unless I called directly. I was credited about {$40.00} from when these transactions from when the incident started on XX/XX/XXXX Now Im being told that my dispute XXXX & XXXX is the only time it can be disputed out of a total amount they were able to find for {$3100.00}. I feel this is unacceptable especially if it was never a time where my card was used online before. I always use the physical card.

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 2019-10-19 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: American Accounts & Advisers, Inc.
State: KY

Complaint narrative:
Spoke with Mr XXXX today at XXXX. Inquired about medical bill and date. Informed him he put incorrect information on my credit report. I never received a call or letter from him or his company in regards to bill. He was very condescending due to his balance being XXXX and mine being XXXX. The company had already been paid by my insurance. When informed that this was fraud he stated " as if I gon na risk my company for {$35.00} '' He just may depending on how many people he over charges. I have a copy of the bill and will attach

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX now owned by comenity/XXXX was peddling magazines subscriptions at their store a few years ago. After you agree to a subscription, they give you a piece of paper with a number on it to call to cancel. However, what they don't tell you, and I don't blame to sales staff, is that you will never, ever be able to talk to a real person. When you call to cancel, the system is set up to cancel the subscription and return your account but in order to have that done you have to agree to accept additional copies at a lower price. After that kicks in and your don't cancel within a certain time, they will start up the subscription again and bill you for it. The problem is that you CAN NOT turn that down. And they just keep charging and charging your credit card. Not only that, you can't get anyone on the phone at the actually credit card company either. Check out their XXXX page. They have been blasted with complaints about this. Please stop them. 

XXXX XXXX XXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-19 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: World Acceptance Corporation
State: AR

Complaint narrative:
I called said company XX/XX/XXXX about an unpaid balance on a loans I received as far back as XXXX. These loans were paid ahead of complete due dates in which the loan company verified, but the loan balances still show on my credit reports as unpaid. The company is : World Finance , Inc. 
XXXX, La.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E MORTGAGE MANAGEMENT, LLC
State: VA

Complaint narrative:
I received a promotional mailing from E Mortgage Management LLC ( XXXX, NMLS # XXXX ) that made extremely misleading, borderline deceptive claims about the savings I would get from rolling a credit card balance into my mortgage. 

The mailing contained a table showing my projected monthly payments " Before '' and " After '' combining a credit card debt with a mortgage, in large bold font. However, in smaller, not-bold font, the " After '' payment amount was labeled " P & I Payment. '' As a result, this table compared my principal, interest, taxes, and insurance monthly total ( " Before '' ) to a new principal & interest monthly total WITHOUT taxes and insurance ( " After '' ), which would of course be lower. 

Underneath the table, large bold text says " You Save {$410.00} Per Month In This Example '' and " That's {$5000.00} Per Year! '' which while technically true, is misleading because it excludes the taxes and insurance that would still be required. 

This mailing was labeled XXXX on the front and labeled XXXX on the back. 

Here 's other identifying info for this company from the back of the mailing : E MORTGAGE MANAGEMENT , LLC DOES BUSINESS AS " XXXX XXXX '' IN DELAWARE, NEW HAMPSHIRE, NEW JERSEY, PENNSYLVANIA, MARYLAND AND CONNECTICUT. XXXX XXXX   IS A DIVISION OF E MORTGAGE MANAGEMENT , LLC. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. NMLS LOC ID : 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 2019-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: INTERIM CAPITAL GROUP, INC.
State: IN

Complaint narrative:
This debt was originally filed in XXXX. Upon trying to refinance our home, this judgement that is past the Indiana statute appears. Who ever the original creditor is I am almost positive was included in my bankruptcy. Also, looking at the docket, in XXXX and XXXX, they filed employment discoveries. I have no idea who this company is but they need to stop attempting to collect on an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XX/XX/2019 - I chatted with Amex Customer Service Rep with regards to changing my card account to a no fee card. The customer service rep advised to close the card instead and assured me multiple times that my rewards points will not be impacted because I have another card linked to the same rewards account. 

Trusting the company 's representative, I proceeded with closing my account. 

XX/XX/2019 - Amex went ahead and revoked my points that I had earned on my account. I called in multiple times over the next few weeks offering to reinstate my card and get my points back but the company has not even responded to my query even though the reps always tell me that I will receive a call back in 2-4 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-19 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: NV

Complaint narrative:
Hello, My name is XXXX XXXX. I and my family would like to purchase a home. I haven't moniterid my credit before. There are ample amount of accounts and inquires that do not belong to me. Please remove them. 

Thank you

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 2019-10-19 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: NV

Complaint narrative:
Hello, My name is XXXX XXXX. I and my family would like to purchase a home. I haven't moniterid my credit before. There are ample amount of accounts and inquires that do not belong to me. Please remove them. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Hello, My name is XXXX XXXX. I and my family would like to purchase a home. I haven't moniterid my credit before. There are ample amount of accounts and inquires that do not belong to me. Please remove them. 

Thank you

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 2019-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried to log into my Experian account and it no longer exists. Then I called MULTIPLE PHONE NUMBERS for Experian and I could NEVER get a live person to talk to. In addition to this, It would supposedly let you freeze your account over the phone and UNFREEZE your account over the phone ... however, that is INACCURATE. It will not let you do that. They are horrible and should be put out of business or held accountable for the mismanagement of the company.

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 2019-10-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have a private student loan through Navient that I took out in 2007. This loan was taken at a time where I had no idea what I was really signing, nor did my parents. It started at just over 22,000 with an adjustable interest rate. The rate is currently 11.6 percent with a balance of XXXX. I have been making payments with the help of my cosigner through a rate reduction program because I am barely making monthly expenses. 

This loan has been rather difficult to deal with and none of the policies seem to be consistent from call to call. I would receive a bill for XXXX and the company would automatically pull XXXX, at another point the bill was XXXX and the company was pulling XXXX. Due to the confusion and lack of explanation in XXXX, I requested a copy of the note, to see the terms because I couldn't find it. The company was never able to produce it or explain what was happening. I just received a series of letters stating they need more time along with detailed payment history. 

I was up for a renewal of my low-income program and was refused. They said both my and my cosigner 's credit rating were too high so I wasn't at risk of default. They assured me my only option was refinancing through XXXX. I was rejected for being low income and realized then that Navient owns that company which would keep make it against their best interests to refinance and lower my interest rate. I contacted an attorney but he said I could maybe win but that would be tied up in litigation so long and with so much expense that he wouldn't take it nor did he think it was worth doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
I refinanced our mortgage the mortgage company sent one check, and the check was not processed. My mortgage company sent a second check the check processed by HSBC in XXXX. Had a XXXX balance from HSBC for XXXX and XXXX bill. On Saturday XX/XX/XXXX received a bill for XXXX with a returned check fee. I called my mortgage company they are saying the check was processed.. HSBC sent me a check back in XXXX for XXXX, and I ripped it up want nothing to do with this company at all. I have demanded they close my account, and they refuse to close the account, and will not stop billing me. I would like the account to be at XXXX balance, and closed. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19 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: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I received a hard credit inquiry from Barclays Bank Delaware and I have had no interaction with them and never requested any credit services from them or their affiliates. Their customer service continues to say that XXXX has to delete it, then XXXX XXXX says Barclays has to provide documentation. They illegally accessed my credit information without my consent.

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 2019-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
I submitted a complaint to you ( XXXX ) on XX/XX/19. It was regarding multiple {$35.00} charges that were debited from my account. The Bank of America has a program that allows clients to withdraw more from the ATM at times than they have in their account. Previously, they would charge the customer {$35.00} for every 5 days the funds were not deposited. A class action suit was filed ( I was not part of it ) which somehow stopped the bank from continuing this practice. Now they only charge one {$35.00} fee for the withdrawal. But they have a lot of my money ( multiple {$35.00} fees ) that they have not returned. If it was illegal I should get that money back. Someone from the bank looked at this complaint and got it mixed up with complaints I had filed on a completely different issue. They told you they had already closed this claim but that isn't correct. They have never contacted me re this complaint. They afre two different issues. Please look at this again. Thank you.

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