vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I started the process to refinance our current mortgage ( with Mr Cooper ) and obtain a home equity line of credit for an addition on our home on XX/XX/2020. We were helped by XXXX XXXX from Mr.Cooper, our mortgage company, whom led us through the beginning of the process to start our refinance and credit line. He told us our credit was outstanding and we should do a different type of loan that would lower our monthly payments. He then told us we have to pay a fee from XXXX whom they ( Mr Cooper ) solely uses for appraisals. I paid the fee immediately, putting my trust in our mortgage company. They sent a woman to appraise my home that, not only, ran through my home without asking questions in under 5 minutes missing many key points of upgrades done, but also used unrealistic comps for my home. Before she left my home, the day of the appraisal, she asked me if I had any comps for my area. Strange, to say the least, especially after I paid XXXX to my trusted mortgage company to hire someone to ask me to do her job. I received the appraisal that was dramatically lower than what it should have been. I handed the appraisal over to a local realtor and appraiser, that laughed at the appraisal stating this is insanity! The woman hired by Mr Cooper Mortgage comped my home with comps that are abundantly less, not only figuratively and cosmetically to my home but that had variances on the property, in flood zones and on slabs. 
I sent in a request to revise my appraisal to XXXX ( the manager at Mr Cooper ) that told me my issue would be escalated in the company. I received a call from XXXX stating the appraisal was in review due to the fact it was indeed wrong. I received the new appraisal just 3 days later stating they increased the value a measly XXXX. Without sending a new appraiser, still using the same unrealistic comps. This company is completely NEGLIGENT and does not care to correct their appraisers after they admittedly state there is an issue with whom they forced me to pay to appraise my home and asked ME FOR COMPS! This business is horrible and misleading. Then they use the excuse its the law we can not use any outside appraiser why???? Why because they will state the truth not getting paid on the side to LIE about the worth of a home?????? Shame on this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Back in XXXX someone went into my personal and joint account and took almost XXXX out of both. I went to the bank right away they called fraud to get my money back. They opened up a new personal and joint account however one fraud charge was told was my fault because a pin was used. So I lost XXXX which was suppose to go into my personal Account. I was told I had 2 months to pay off the negative balance. Which we have been since the fraud we have had nothing but bad things happen with the bank. So we went to open a bank account with another lender and chase is sending us to check systems which is funny because we till still have a couple of weeks to payoff. Not only have I lost XXXX after fighting now I cant open a bank somewhere else. On top that my husband card keeps getting declined even though he has money in there.you reported us to check system For no reason knowing you gave us 2 months to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WV

Complaint narrative:
I contacted Discover Credit Card regarding an erroneous {$500.00} transfer from my account that occurred on XX/XX/2020. They determined it was fraud and credited my account. They cancelled my card and gave me a new account number and card. 
XX/XX/2020 the {$500.00} was credited. 
XX/XX/2020 {$500.00} was erroneously taken out. XXXX it was credited back to my account. XX/XX/2020 {$500.00} was taken out again. XX/XX/2020 it was credited back to my account. XX/XX/2020 again {$500.00} was taken from the account. XX/XX/2020 they charged me a late fee and interest AFTER I had closed the account and was assured this was taken care of. Each month I have called Discover and each time I talk to 3 to 5 representatives taking about an hour of my time. Each time I was told it was corrected and it would not happen again. I finaly froze the account, but after another erroneous {$500.00} withdrawal I told them to close the account. I was assured they would correct this. They have not as of XX/XX/2020.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-12 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I was told to send in a letter along with a copy of my payments. I had made an agreement in XX/XX/2019 regarding payments while I was hospitalized unexpectedly and still made my payments. I was told by the rep I spoke with XXXX that the fees would be waived and to keep paying what I could as long as I made payments which I did. I was told nothing would be negative to my credit yet this creditor who I was told would help has done nothing to help correct these late payments or missed payments which are totally incorrect and were not late and still have not been corrected.

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 2020-10-12 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: GA

Complaint narrative:
The credit bureaus are still reporting inaccurate information on my credit report I contacted them once and they investigation didnt do nothing at all

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: GA

Complaint narrative:
The credit bureaus are still reporting inaccurate information on my credit report I contacted them once and they investigation didnt do nothing at all

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 2020-10-12 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: CO

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my 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 2020-10-12 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: NY

Complaint narrative:
Dates : XX/XX/16 Amount : {$180.00} Action Taken : Asked for evidence for the authentic contract and or application on file that created the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: CO

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my 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 2020-10-12 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: CO

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$5400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- COLLECTION ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 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: NJ

Complaint narrative:
This account was open fraudulently a police report was sent in and they did not remove the fraud information. i am now trying to buy a home during this pandemic and they will give me no proof and will not remove this from my 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 2020-10-12 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: SC

Complaint narrative:
I, XXXX XXXX XXXX, Have been the victim of identity theft since my wife passed away almost 3 years ago. I have attempted to work with Transunion to get all the fraudulent information off my credit file with them, Under 605B of the fair credit reporting act and they have refused to obey the law. I have filed almost 3 dozen complaints in the last 2 years against them and they give a XXXX  reply to close the file with the CFPB Because they know how to thwart the law instead of complying with the law. The CFPB closes a complaint just by getting a reply from the company instead of actually looking at the reply to see if it addresses the complaint at all. 
Please force TransUnion to remove the fraudulent name from my file, XXXX XXXX, that TransUnion claimed to a federal entity that I was this fraudster. They permanently harmed me with this lie and caused that federal entity to cease business with me. I sent TransUnion certified and stamped and notarized signed by police documents that my fingerprints did not match this fraudster. Transunion has not replied to my sworn requests, and ignored and broken the law. Please do not allow them to thwart this complaint process with the same XXXX  reply they use to close the complaint and have them obey the law.

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 2020-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I opened up a paypal account for my boyfriend to receive his unemployment payments ... The transactions went through with out a problem up until XX/XX/2020 when a large deposit was made and PayPal instantly put limitations on my account which left me to not be able to transfer the funds to my debit card in other words they are holding my money hostage! Ive called Ive sent messages Ive done everything possible to reach them and I get the same answer every time ... Im told that Im not longer able to use PayPal that I went against there agreement policy and they are holding my funds for 180 days! Ive uploaded information proving who I am and my boyfriend is and that we live at the same address I uploaded both ID and utility bills with one in his name and one on my name showing the same address ... still have not heard a word for them! This money is vital to our survival, how can they hold people unemployment payments!! Im not the only consumer with this issue they have been doing it to everyone! I need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient called me on XX/XX/2020 at XXXX XXXX  on my personal cell phone in regards to my estranged sister 's student loan debt. I do not own this debt. I am not a cosigner. I am not affiliated in any shape or form with this debt. On Friday XX/XX/2020 they sent multiple text messages from XXXX in regards to paying off the loan. There was no mention of my sister. The messages were written in a way that assumes it is my student loan debt. 

They have called every day since XX/XX/2020. I have their number blocked using third party robocall blocking software but I can still see they are dialing. 

They are also harassing other family members who are not affiliated with the debt in any shape or form. My aunt received a letter about the loan as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A.
State: TX

Complaint narrative:
I have experienced financial problems due to Covid. I reached out to company called XXXX XXXX XXXX to  settle my debts. Mypaydayloan.com has absolutely refused to work with me or XXXX  XXXX. I told them repeatedly I could not afford the payment arrangements they offered me. XXXX XXXX XXXX  has also had no luck with these people. Today I got a letter from XXXX a collection agency. The amount it says I owe is triple the amount of the last email contact I had with them. I told them the payments were 2 high. They ceased communication and turned me over to collections. This company needs to be put out of business. They will not work with anyone. I dont care what they tell you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: AZ

Complaint narrative:
My complaint is against : Mortgage Loan Officer : XXXX XXXX XXXX : NEW AMERICAN FUNDING Over 2 weeks ago, onn XXXX I submitted my : -Loan application -ALL requested documents -Signed and Submitted all required disclosures statements and I have not received ANY response or communication from this lender by email, mail, phone, text, or fax or any other form of communication. 

Everything is documented. Please let me know you would liked me to furnish any documentation, emails, screen shots. 

Please advise is there is a regulation to protect consumers from lenders collecting financially sensitive information and not providing the consumer with a response within a reasonable time-frame. I am appreciative of any assistance you can provide. 

I am very concerned about submitting ALL of my personal financial information and not receiving any sort of response after waiting 20 days. I believe it is necessary to report this incident to prevent it happening to anyone else. 

Thank you very much for your time and review of this matter. Please feel free to contact me with any questions. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/2020, I submitted a complaint XXXX regarding a Synchrony Bank account XXXX that never existed. 
This was not a problem with a purchase, but a criminal conspiracy involving a bank and a retail internet vendor to defraud a consumer. 
I am aware that investigations take time and effort. However, you have demonstrated your unwillingness to invest in either. 

In my complaint I provided documentation showing a pattern of complicity in fraudulent business practices by Synchrony Bank and Amazon on account ending XXXX. Apparently, Synchrony Bank has gone this route before and is quite familiar with the requirements to quickly close a case. 
They crafted a response based upon the information I provided in my complaint which you relayed, without having to prove anything. 

The Following are key to this investigation and would determine whether a crime was committed. 
( 1 ) What date account XXXX was activated and the telephone number used to activate. 
( 2 ) A copy of the original statement showing details of each transaction.

( 3 ) Copies of letters that were supposedly sent to me regarding the conclusion of XX/XX/2020, and XX/XX/2020 investigations. 
These were never received including the response you attached dated XX/XX/2020. Interestingly enough, I have received monthly statements and letters with incentives to settle the account by USPS. 

Prior to the summarized invoice dated XX/XX/2020, all correspondences and communication with Synchrony Bank were paperless with two-step verification or by telephone. I have since terminated both and communicate exclusively by USPS. 

I have a legal and moral obligation to pay debts that I incur. However, I will not be coerced, threatened, or blackmailed with attempts to destroy my a good name or creditworthiness.

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