vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My Home Owners Insurance premium payment is due on XX/XX/2019, failing which the insurance coverage will be terminated and I will be out of coverage. The amount for the insurance are escrowed and there is sufficient funds available in my Escrow account to cover for these payments. However, the MyLoancare has not yet made any payments to my insurance company. 

When I reached out to them today, they tell me that there is a service hold on my account and that my payments are not going to be made on time. The customer service agent couldnt not provide any more information beyond this and they were not sure if the payments were going to be made on time. This is totally unacceptable. Am I supposed to be following up and finding this out the last day myself? What if I never called up to check the status? Would I have never been informed that my escrow payments are on hold? I have opted for E-statements and e-communications. So if they ever notified me of any such delays, I would have instantly received information about it. So far, I have not received any communication about it through email or by postal mail. 

And most importantly, what is MyLoancare going to do if my Insurance is cancelled? Am I supposed be staying without insurance coverage? Who is going to pay late payment fees or any increase in payments now because the renewal rate expired?

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 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have called them several times - they refuse to fix the payments on my account. Yesterday they actually sent me a collection email and I am paid through XX/XX/XXXX. They sure do have creative accounting to say I am behind on my XXXX payment when I have paid through XXXX and the 1st half of XX/XX/XXXX payment due. I want them to be fined. I want them to sell my mortgage to a legitimate mortgage lender. - something - this is my 3rd complaint against this company. It is truly the worst consumer experience of my life.. They bought my mortgage in XXXX XXXX they sent out letters waiving any late fees due to the transition for new customers and it has literally been a nightmare ever since. Below are the payments I have made and when - they are not apply the funds properly I pay bi-weekly - it's very simple - but if you look at their books it isn't at all. Below I have my payments ... In the documents you will see their crazy accounting practices. I demand they fix my account immediately. They need to show my next payment date as XX/XX/XXXX for the amount of {$760.00}. That is what I should see when I log into my account. 

DATE AMOUNT Monthly Payment XX/XX/XXXX {$760.00} 1st Half Of XX/XX/XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$760.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half XXXX Monthly Payment XX/XX/XXXX {$740.00} 2nd Half of XXXX Monthly Payment XX/XX/XXXX {$740.00} 1st Half of XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX Monthly Payment XX/XX/XXXX {$1400.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
My loan was originated under XXXX XXXX who I believe worked for both Mortgage Electronic Registration Systems , Inc. ( MERS_ as Mortgagee , MERS is the nominee for Lender and the mortgage  loan originators post office address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX and license number is XXXX. I was approved for a FHA loan with an adjustable rate mortgage. I used an attorney provided by XXXX XXXX, Guaranteed Rate or MERS, it was very unclear to me. The loan was originated under XXXX XXXX instead of XXXX XXXX XXXX in order for the investors or holders of the loan to avoid tax liability in the event they had to foreclose on the property. Additionally, I believe they are defrauding the US government by double dipping with loan write offs post foreclosure. In my case that sum was greater than 80K USD. Additionally, I was informed the loan was not tied to my SSN which is why I am still liable for the tax liens. If you read the XXXX XXXX XXXX agreement it seems very clear to me as a consumer they were responsible for the taxes. Please review all of the attached documents. I also submitted my complaint to the FBI, and have started to send the information out to private attorneys. I would think a FHA loan would have been tied to my SSN as the loan appeared on my credit report. I also notified XXXX XXXX who I had been making payments to that I needed help. I applied for a loan modification and was denied under the basis of the loan not being 12 months old. It's my understanding after briefly doing research the 12 month period is invalid and I should have been awarded a loan modification which would have prevented me from losing my home. I have been homeless since the foreclosure and have suffered emotional distress, damages, and have lost time which is of course the most valuable resource. I'd also like to point out I've never been married, and was hospitalized during the notices. I used an attorney provided by the loan originators and used my passport and license which state XXXX XXXX XXXX & XXXX XXXX XXXX. I followed what I was told by the attorney present who should have been looking out for my best interest as the consumer rather than the banks. I can prove they have done this on a broad scale. 

It's incredibly important to review the phone calls on XX/XX/2019 and XX/XX/2019 with XXXX XXXX an executive resolution specialist for  XXXX XXXX home mortgage and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
XXXX XXXX added a collection in XXXX of 2016. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to XXXX XXXX XXXX provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had anesthesia service from this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: CA

Complaint narrative:
Experian is reporting incorrectly lates in XXXX and XXXX on the XXXX XXXX XXXX, XXXX partial account number ****XXXX. (  Please see page attached from my credit report. ) I applied for and was approved for a loan modification on XX/XX/XXXX. Please see loan modification documents from XXXX XXXX   attached. The lates that are reporting are after the loan modification was approved and therefore these lates are reporting in error. In addition, this debt was discharged through a Bankruptcy. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i been a victim of inquiry issue and want the following inquries removed

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i been a victim of inquiry issue and want the following inquries removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I called today to do a balance transfer on a new Citi Simplicity card that I received. I spoke with someone called XXXX ( I am not sure of the spelling ) and I was told that the balance transfer fee was going to cost me 5 %. I told her that there must be some mistake that I was told that there would be no cost for doing a balance transfer she told me that it was standard for them to charge 5 %. I asked to speak to her supervisor and she transferred me to a lady by the name of XXXX. I told XXXX that I felt like I was tricked into getting this card because I wanted to use the card for a balance transfer and take advantage of the 0 % fees. I also let her know that I was told on the phone by another rep a couple of weeks ago that there would be no fees. It turns out that XXXX wasn't even a supervisor she was only another rep and that she couldn't do anything for me. I asked to speak with her supervisor and she told me that there wasn't a supervisor there. I asked her when her supervisor would be in and she said in 3 or 4 hours. I said to her that it is the middle of the day and there are no supervisors there, then she said that there were no supervisors available. I told her that I would wait, she said that I couldn't do that and hung up on me. I feel violated and feel like I was lied to and deceived into getting this credit 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 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
This situation involves a XXXX painting company what I hired last XXXX ( XXXX ) to do some interior painting in my home, and a disputed amount of {$1600.00} that they charged on my credit card without my permission, and without finishing the job. I am in a dispute with Chase, who has messaged me that they are ruling in favor of the painting company ... who in my opinion very clearly committed fraud. I agreed to have the company take a 1/3 payment for the job through my credit card. After the company worked in my home for 1-1/2 days, I let them go ( it was Chase 's suggestion that I do this, as I had a conversation with one of their representatives over the phone ) ... due to issues that were unresolved with regard to quality of work and professional behavior of painters. Unfortunately I forgot to call my credit card company to protect me, and the very next day after I let them go via email, the painting company ( XXXX XXXX XXXX ) charged my card for the full remaining 2/3 of the original job ( on XX/XX/XXXX I was charged {$1600.00} ) ... even though a large portion of the job was not complete, and I never signed off and gave them permission to charge anything. The company made NO attempt to settle this situation, and I took their action of charging my account without my permission as a clear message that they were not willing to satisfy me in any way. 

After providing Chase with multiple photos, a receipt from another independent painter that I hired to fix the poor work, and complete the work that was never done, as well as a letter from the same painter stating his view of the situation ( which Chase requested of me ), I received a letter from Chase that they were still not changing their decision to rule in favor of the painting company. 

I have no reason to lie about any of this, and I have excellent credit and no history of any other disputes ( other than a vacation package scam ). I have no criminal record, and have never been in trouble with the law. I am only guilty of being very upset over the phone when the Chase has been difficult to deal with. But being upset over the phone in no way makes me a liar, or someone who is trying to get out of paying their bills. In this case, the painting company clearly committed fraud, and Chase does not seem to care. It appears that the painting company has dealt with complaints before, and maybe has a lawyer who is threatening them. I do not know what else to assume in this situation, but I do know, and would swear in a court of law, that I am not in the wrong in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX XXXX XXXX   PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA 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 2019-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
On XX/XX/XXXX, money from transferred from a business associate to me of $ XXXXUSD.. making my paypal money balance $ XXXXUSD. He paid around {$40.00} for this transaction. I was always told that theres no hassle to get my money from Paypal and my bank XXXX also said that I could request a cheque from them for my funds. The same day I called & requested the cheque but the representative first sent me to a website where they say you can manually request the cheque : paypal.comwdfunds and paypal.comwdcheques but there were no options to request any cheque ; just to transfer money by adding a US account. I told the representative and then supervisor that I wasnt seeing that option on my end and dont have a US bank account. She said that she would formally request me to get the cheque at my home address in XXXX associated with my account ( which you have to verify among other things before being able to speak about your account to a Paypal ). She said it would take two weeks to process and arrive to my home. 

Today, XX/XX/2019 I called Paypal for an update on my cheque and was first told that no notation or request was made for the cheque.. then after investigations were made they said that the request for the cheque was declined by their staff member and there is nothing else they can do. I asked numerous questions and told them how unfair it was to international customers because most people would assume the fact that at least 95 % of international customers dont have a US bank account and it is my money that I earned and they are preventing me from accessing it. XXXX repeatedly said that there is nothing they can do and ask if I cant link a US bank account to my account by asking someone for their details? 

Now, 1 ) Why would I do that? And pay an additional $ XXXXUSD to  send the money 2 ) What is preventing Paypal from sending a cheque to an international customer vs a local consumer when globalization exists & sending mail internationally is VERY easy 3 ) Why are there no supervisors for decisions made like this and no  proper explanation made? 

My mail comes straight to my house and you need ID to change out the money anyways so security issues is a very weak excuse to NOT give me my money. I believe Paypal is deliberately withholding my money so that I can be tied to them and they can control my money there and I would HAVE TO make purchases through them. This is a form of abuse and I believe no consumer regardless of their nationality wants to be deprived of money they have rightly earned!! 

my email associated with the Paypal account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: LEXISNEXIS
State: GA

Complaint narrative:
LEXISNEXIS, XXXX, XXXX  AND XXXX  CONTINUE TO REPORT MY BANKRUPTY INACCURATE AFTER THEY SAID IT WAS VERIFY. I SENT THEM THE COURT REPORT TO SHOW THEM IT WAS REPORTING INACCURATE I HAVE FILE SEVERAL DISPUTES WITH THEM XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 XX/XX/2019 ,XX/XX/2019 WITH LEXISNEXIS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: FL

Complaint narrative:
I have written several letters listing the inaccurate information on my XXXX  XXXX XXXX account and I've asked EXPERIAN to please delete the account because it's inaccurate and in violation to the Fair Credit Report Act. 
The debt was sold to a collection agency and it's not being reported. 
The amount is inaccurate. 
The payment history is inaccurate. 
And they are still reporting new late payments on a closed 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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: U.S. BANCORP
State: AR

Complaint narrative:
PLEASE RE-INSERT ALL MY U.S. BANK ACCOUNTS BACK ONTO MY CREDIT REPORTS, ALSO, GET A HOLD OF YOUR XXXX REPRESENTATIVE TO ASSIST YOU IN THE MANUALLY RE-INSERTION OF SAID ACCOUNTS. I NEED A LETTER FROM THEM AS SUCH. THE CREDIT FURNISHERS AND XXXX   IN DISRUPTING THE FABRIC OF FINANCIAL CREDIT APPARATUS, TRI ANGLE OF THE INDUSTRY IS AT STAKE, CRA-CREDITORS-CONSUMERS. FINALLY THE DODD FRANK ACT AND XXXX XXXX SINCE XX/XX/2015 HAS VIOLATED THE F.C.R.A. ( FACT-ACT ) AND 15 U.S.C. Section 1681g.

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 2019-11-13 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The company known as Experian issues two different FICO scores depending if you are an individual or a bank.The reason is they want to sell customers products that raise there credit scores to what they report to banks or other lenders.I was personally was shown a a FICO score from Experian of XXXX. They stated that you are only 11 points from having an a score that would indicate excellent ( offering to sell me a product that would do this ) .My credit is also reported to XXXX XXXX by Experian which showed a much higher number. The number reported to XXXX XXXX was already in the excellent range. I called Experian and was told by the call center that was common policy. This does not seem to be the way to carry on business. 
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 2019-11-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX  XXXX   XXXX XXXX, XXXX PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: GA

Complaint narrative:
PLEASE REMOVE ALL FRAUD ALERTS FROM MY CREDIT FILE. 

PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX   XXXX XXXX, XXXX PLEASE DELETE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX XXXX, GA 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 non-monetary relief