vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
NationStar dba Mr. Cooper took over our mortgage loan around XX/XX/XXXX. To date, we have received 1 statement in XXXX, 8 statements in XXXX, and 1 statement in XXXX. Of the mortgage statements provided, it appears that around XX/XX/XXXX, NationStar dba Mr. Cooper began taking monthly mortgage payments and applying payments to an unapplied separate account in lieu of applying all payments directly to our mortgage account. Since NationStar dba Mr. Cooper has taken over our mortgage loan, our monthly mortgage payment increased five times in XXXX and twice in XXXX. Notification of these mortgage increases are provided within two weeks of the next mortgage payment due date. We have 15 attachments ( totaling 91 pages ) of supporting documentation that indicates NationStar/Mr. Cooper has : 1 ) Mishandled monthly mortgage payments and unfairly increased our monthly payments 2 ) Mishandled our escrow account 3 ) Mishandled our private mortgage insurance 4 ) Violated property tax payments 5 ) Possible violation of RESPA 6 ) Violated the annual escrow analysis process 7 ) Possible violation of CFPA 8 ) Possible violation of HPA 9 ) Potentially failed to terminate our PMI automatically 10 ) Made false statements and provided false documents to federal agencies related to our mortgage loan 11 ) Threatened to sue us ( through their legal representative ) if we report information pertaining to the aforementioned issues to any state or federal entities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This bank is horrible and in violation of the law they treat me horrible I have a credit card that is with their collections and their very rude to me its charged off for months Ive been asking for help I lost my job due to being XXXX XXXX XXXX they dont want to settle with me they give me a hard time and when I called them and asked for a statement to review my balance by law they are supposed to to validate my debt I want to see my balance and demanded they mail me a statement they refused very bad business practice

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: GA

Complaint narrative:
I am writing to report a violation of the Fair Debt Collections Act by XXXX XXXX XXXX. There is an account XXXX listed on my credit report by XXXX XXXX which has been re-aged. XXXX XXXX XXXX deliberately changed the date of first delinquency on a consumer account from XX/XX/XXXX to XX/XX/XXXX in order to park the debt on my credit report. Prior to XXXX XXXX, the Date of First Delinquency was listed as XX/XX/XXXX by Equifax. 

XXXX XX/XX/XXXX, I was notified by credit monitoring, the collection account was removed from Equifax, XXXX, and XXXX as the account was approaching the 7-year reporting deadline. In XX/XX/XXXX, I was notified once again that I had a new account in collections on my Equifax report as of XXXX XXXX, XXXX. When I pulled my Equifax report on XXXX XXXX, the report displayed the exact same account XXXX re-added to my report with a new First Date of Delinquency of XX/XX/XXXX, 5 months beyond the credit bureaus reporting expiration date. 

To prove the Date of First Delinquency changed, can provide documentation from not only Equifax, but from XXXX  and XXXX  as well. They all show the account was to be deleted by XXXX XXXX, which is consistent with the Date of First Delinquency being XX/XX/XXXX. 

In XX/XX/XXXX, I asked Equifax to investigate, but they closed the investigation and updated my report to read XXXX disputes after resolution. Equifax has allowed XXXX XXXX XXXX. to violate the XXXX XXXX XXXX XXXX by falsifying my credit history and knowingly re-aging an account with the intent to cause further damage to my credit. This illegal behavior by XXXX XXXX XXXX indicates me they knew Equifax would overlook my complaint, and that XXXX XXXX XXXX will continue to negatively re-age the delinquency status in an attempt to deceive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXXXXXX XXXX Account # XXXX I was never late, 30 days XX/XX/2020. 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2021-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: MN

Complaint narrative:
I called US BANK VISA on XX/XX/XXXX to inquire on getting a refund for airline tickets purchased on XX/XX/XXXX through a travel company for {$2700.00}. Due to Covid 19, I had to cancel our trip scheduled for XX/XX/XXXX. I called the travel company on XX/XX/XXXX to cancel the tickets and was told I had to call XXXX directly to cancel. I did and XXXX only gave me a partial credit. The travel company retained {$1200.00} of my purchase and said I had to use it for future travel. I called the travel company on XX/XX/XXXX and got a recording saying they are permanently closed due to Covid 19. I called US Bank the same day and reported that information. US Bank credited my account {$2700.00} and then charged it back on my card saying they didn't get my paper response. I did complete and mail in the paperwork requested and this was validated by other persons in cardmember services. I spoke with many people at US Bank cardmember services and I was given different information each time I called. I filed a complaint with the MN. Attorney General 's office. US Bank responded to their inquiry and much of US Banks response is not accurate. US Bank also said the 60 day TILA rule applies. I had asked US Bank how did I get a full refund on another purchase I had to cancel due to Covid and I did not file a claim on that purchase for 120 days after purchase. They could not give me an answer. My last call to US Bank on this matter was on XX/XX/XXXX and I was told that if I could determine when the travel company went out of business and if it was within 120 days of XX/XX/XXXX they may look at my claim again. I can't determine when the travel company went out of business. US bank has not been forthright with their explanations to me. I believe I'm due a credit on 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 2021-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
XXXX XXXX ( XXXX ) owns my loan and until XXXX was also the servicer. On XXXX XXXX transferred servicing to Loan Care. 

In XX/XX/XXXX, I started a refinance with XXXX. XXXX requested a payoff amount from XXXX. XXXX made a timely payoff to XXXX. 

XXXX nor LoanCare timely credited the payoff. In fact, I couldn't even access my account information with LoanCare until XX/XX/XXXX. On XX/XX/XXXX LoanCare took a XXXX payment out of my bank account even though the loan should have been paid off. On XX/XX/XXXX LoanCare also finally recognized the Payoff payment, in the amount of {$290000.00}. HOWEVER, they also added a fee of {$700.00} labeled " ForeclosurePartialRepayPrinBal '' even though the Payoff was timely made, and even if it had not been, my auto-pay should have been pulled on XXXX resulting in NO fees or extra monies due. 

On XX/XX/XXXX I attempted to call LoanCare at the phone number listed once I logged into my account. This phone number leads to an automated system with NO OPTION TO SPEAK TO A HUMAN. 

I believe that LoanCare owes me a full refund of the {$2200.00} they pulled from my bank account + all of my remaining escrow + any overpayment from the {$290000.00}. Plus, they need to remove the " ForeclosurePartialRepayPrinBal '' fee from my account.

Thank you for any help you can provide.

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 2021-02-12 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXXXXXX XXXX  Account # XXXX I was never late, 30 days XX/XX/XXXX, 60 daysXX/XX/XXXX, 30 daysXX/XX/XXXX, 30 days XX/XX/XXXX, or 30 days XX/XX/XXXX. 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.

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 2021-02-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Carvana Group, LLC
State: NY

Complaint narrative:
I am being severely financially abused by the car dealers. They are sharing my information and allowing strangers to say rather or not I should be allowed to buy a vehicle. I have already been preapproved with the financing dept and have an excellent credit rating, no missed payments, ever. There is an abuse from the company itself and others who have contacted them saying they are decision makers for my finances. " She isn't allowed to ... '' I am a fully grown adult and the information pertaining to the purchase of the vehicle shouldn't be shared with anyone. There is also someone saying that I am not who I say I am, and that they don't know who I am ... I'm not my own identity and they are abusing me inside my home regarding a purchase made on the internet. The car company is ignoring me and will not respond at all. I have cash and they will not deliver an automobile and they are trying to say that they don't want me to be able to leave my home with intentions to do something to me inside the house. The car company is allowing this conversation to continue rather than completing the interaction for the purchase and using this as an " example '' of why they will not be allowing my child to come home, they have XXXX  my son and are saying that because I tried to purchase a vehicle that my son will no longer be coming home. The child is crying and has been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
A Salesperson at XXXX ( XXXX XXXX XXXX ) fraudulently fabricated an address and phone number to bill unauthorized internet and phone services to my name. I was informed by 3 different XXXX  employees that the issue was resolved, only to find that it was later sent to collections with AmSher ( ashmer.com ). It is evident that my dispute of AmSher 's collection was not reviewed by their organization or XXXX. It was only after I filed a Consumer Protection Complaint with XXXX XXXX ( XXXX ) that XXXX reached out to me to inform me the Sales Representative was fired for his actions and 'my ' debt collection with AmSher has been waived. 

However, this complaint is with AmSher specifically, as they have been equally negligent throughout the process and failed to discontinue debt collection at the creditor 's request. I never received a debt validation letter from AmSher. Initially this was because they sent it to XXXX 's fabricated home address that I had attempted to correct with XXXX 3 times. I corrected the address for AmSher and requested debt verification letter, which they failed to send. My debt collection had not impacted my credit at this time. The debt collection appears to have been reported to credit bureau weeks after I notified AmSher that the debt was nullified ( effectiveXX/XX/2021). After learning that the debt was waived, AmSher has gone 'dark ' on me and will not respond to multiple requests to confirm account is closed upon providing the creditors ( XXXX ) confirmation number. My experience indicates that ( 1 ) AmSher reported debt without first sending the requested debt validation letter and ( 2 ) knowingly proceeded after having been directly informed that the creditor has approved my dispute. I have no further recourse, as AmSher has stopped email communication, as this discontinued debt would otherwise not be profitable to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting SYNCB/AMAZON PLCC Opened XXXX XXXX, XXXX to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2021-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
XXXX, XXXX and XXXX of 2020. At the beginning of Covid, Capital One has reported late payments on my credit report for these months. I thoroughly explained to Capital One that a bank error ( due to Covid ) caused some type of payment reversal. The bank explained to me that this was their error and apologized. However, their apology did not fix my problem with this reporting on my credit report. I wrote to Capital One, XXXX, XXXX  and XXXX  explaining the problem. No one as helped. They know darn well when the pandemic hit, lots of businesses experienced all type of problems of computer issues due to staffing etc. This issue caused a significant drop in my credit report. I had been trying feverishly to stay on top of my credit after experiencing problems in the past. I vowed to never be in that situation again unless some tragic happened that prevented my from paying my bills. This was not the case at all. I had plenty of money in my account to cover the XXXX XXXX monthly payment. It was not until months later that I found out about this error after reviewing my credit report. This has caused me great undue stress and I want it fixed ASAP! Or I will push further and be a thorn in the side of Capital One, XXXX, XXXX and XXXX They can clearly see that I had a 3-4 year perfect pay history on this account. They shouldve taken this into account after I pointed out the error and explained what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
To whom it may concern, Under 15 U.S 1681b- Permissible purposes of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is Identity Theft. A copy of the law is attached with this dispute letter.

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 2021-02-12 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: NC

Complaint narrative:
I Contacted XXXX XXXX XXXX XXXX and they are saying that my credit reporting is accurate and want fix the error that i am complaining about.they are reporting a paid charge off account as paid in full charge off along with payment history of a charge off in 2020 which shows up as a recent missed payment. 

i was convinced to pay the charge off in full in exchange for a pay for deletion and to be removed from XXXX. i was removed from XXXX  but the updates on my credit reports are inaccurate across all 3 reporting agencies.everytime i address this issues with XXXX XXXX there response is to prove the account is mine which is the wrong reason i'm disputing this account.i am disputing the payment history that is being reported as a missed payment in different forms with the 3 credit reporting agencies. 

I will attach the 3 credit reports and show the inaccuracies clearly, i do not know what else to do as far as showing the inaccurate reporting that is being reported as accurate. it has been almost 2 years of the same thing from XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX can clearly see the error but refuse to fix by replying with account verification documents, which clearly is not being disputed. i am disputing payment history reporting errors which should say settled or no data because the only comment should say paid charge off as agreed or Settled if that cant be reported across all 3 reporting agencies. 

attached are XXXX and experain reporting

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