vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I have been a homeowner almost 22 years. I have NEVER had an issue with paying my bills or mortgage payments until my loan was sold from XXXX to Mr Cooper. I have never had issues but they said Im behind 3 payments when I am actually ahead 1 month. 
When mortgage was sold I was sent email XX/XX/XXXX This means that Mr. Cooper will start accepting payments on XX/XX/XXXX at Nationstar Mortgage LLC d/b/a Mr. Cooper, Payment Processing, XXXX XXXX XXXX, XXXX, TX XXXX. If you have scheduled any payments for after the Transfer Date through XXXX XXXX XXXX, those payments will be cancelled and you will need to contact Mr. Cooper to reschedule them. If you use online bill pay through you financial institution, you will need to change the payment information to Mr. Cooper. 

I started receiving late notices and reports to my perfect credit! I sent proofs of payment to XXXX  @ mr Cooper.com XX/XX/XXXX. 


I continued to receive late notices, extra charges, threats to my credit. So I called and was assisted by XXXX XXXX who said I was sending to wrong place so checks had to be forwarded and were past the year mark and no longer being forwarded. I sent him notices of my payments that same day while I was on the phone XX/XX/XXXX. 

I then sent copies of my bank statements. 

I then called my bank WITH him to have him hear the money was taken out days I said. Checks were made to me Cooper. 
Money sent XX/XX/XXXX arrived XX/XX/XXXX XXXX payment Money sent XX/XX/XXXX arrived XX/XX/XXXX XXXX payment Money sent XX/XX/XXXX arrived XX/XX/XXXX XXXX payment Per bank corresponding check # s XXXX XXXX XXXX I heard from XXXX XXXX XX/XX/XXXX that XXXX payments found and applied. But 3rd payment still missing. 

I informed him I hope he didnt suggest I pay again, since bank informed him money was taken out of my account, sent to address I was given its out of my hands. 

I have never heard back from Mr XXXX nor anyone else and a payment is still due, no one there has apologized, no one has fixed my credit! I want out of this horrible company! This is their error! Help! 
Im on hold now 48 minutes waiting for Mr XXXX or a manager to give me an update because theyre ignoring my emails! The bank will not cancel and reissue check! Mr Cooper is XXXX me & my credit! 

Now on hold for Mr XXXX or his manager re an official update on this issue, 1 hour!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
Last year at the beginning of the COVID-19 crisis, was on short-term XXXX XXXX, due to problems at my office. I fell behind on the payments. Then State Department of Revenue hit me for back taxes and penalties. 

Now I am back working and just received my social security retirement which allows me to pay the total mortgage of {$1700.00} with taxes and insurance. The problem is I was seeking help with the Biden administration relief plan to help struggling homeowners who have fallen behind on payments due to the COVID pandemic. 

I have applied to the company for this program and have not heard anything back, I know that the company is threatening foreclosure. I have read that there are national concerns with how the banks, lenders, service companies and not prioritizing helping minority homeowners. I have requested from the beginning a 30-year mortgage and was told no. This would have been a huge help. I lost all the equity due to the XXXX  housing crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of 2021 I had requested my cash back rewards in the amount of XXXX. I requested a check and never received it. I followed up a month later to inquire the status of it. I was yold a check was issued but they would resend another. That check was never received. I called back in XXXX and was told I had to wait until the end of the month. I called at the beginning of XXXX letting them know it still had not arrived and asking the funds can be put back into my account. I was told no but they could give me a statement credit. I held off on paying my account due to the credit. I received a letter in the mail the following week stating I was unable to get a credit and they would resend another check. I called again and was told the would out a stop payment on the check and would receive a statement credit. Still no credit in my account. I called again and spoke with a supervisor stating I would get a credit. As of today, I have not received a credit. We are almost to XXXX, and still nothing. I feel that this is a UDAP violation due to not providing services promised. My credit score has gone done XXXX points due to the higher balance on my card. This has caused me harm

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I have submitted multiple disputes with Experian to remove personal data that is not correct or does not belong to me. They claim they have fixed the personal data and removed the disputed information although it still shows up on my credit report. I attempted to file a complaint with CFPB against Experian for their refusal to remove incorrect personal data yet they claim a third party filled the complaint and refused to investigate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: MD

Complaint narrative:
Hello, I refinanced a loan from United Wholesale Mortgage ( serviced by XXXX XXXX ) on XX/XX/2021 and am due an escrow refund of {$4100.00}. According to XXXX, any remaining escrow balance must be refunded within 20 days of a mortgage loan being paid in full. As of XX/XX/2021, I have yet to receive these funds from the lender. 

When contacting the lender I am being told stories about how it takes 4 business days for them to place the check in the mail and how it takes an additional 7-10 days to be received by me. However, this time frame has now passed and the lender is refusing to issue another check until 30 days have passed from when the original check was supposedly printed. 

Additionally, when I contact the lender about these issues they seem not to care and act in such a way that shows they do not care about their customer 's monies. 

Attached is a letter from the lender confirming that my mortgage was paid in full on XX/XX/2021 and an escrow statement that shows an image of the check that was supposedly sent. 

Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I was going to be evicted from my apartment after falling into hard times with financials, this was the only institution that would take a loan out with me ( {$2500.00} ) during this time because of my credit ; however, I was unaware of the interest rate of 139 % that would take effect. This occurrence was in XX/XX/XXXX and for almost two years I have been unable to contact them to rectify or get this situation taken care of. It is a drain on my bank account leaving me unable to save for my future or for absolutely anything with payments of {$290.00} a month. With not a dent in the principle of the loan after almost 24 months. On top of all of that reopening a loan for a different amount with a new account number all different credentials without my knowledge or prior approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I've tried resolving these medical accounts because they are not the original creditor and by law the original creditor is suppose to report an account not a third party vendor. I want these medical collection accounts removed from my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Nelnet, Inc.
State: MO

Complaint narrative:
Navient : In XXXX They reported that I was late although the dates reported I was not late. The year of XXXX I submitted documents proving I was on unemployment, and was willing to make a payment. However, they were not willing to accept anything less that the stated payment amount. Because of this they reported 8 late payments for all accounts ( 4 accounts total ). The reported late payments started at 60 days late on XX/XX/XXXX, but months prior to this I have on time payments. I would assume if someone was late it would start at 30 days at least. How is it possible to go from on time to 60 days late in the time span of a month? In the following year ( XXXX XXXX I received the National Emergency Forbearance Due to the Corona Virus Pandemic, Although I was under the forbearance I still received a late payment in the month of XX/XX/XXXX for each account ( 4 accounts ). This is tremendously hurting my credit report, and hindering me from getting approved from things I need. Everything else on my credit report is reporting positively. 

XXXX XXXX : On XX/XX/XXXX I received a late payment of 90 days late. However prior to then I was on time. in XXXX and XXXX of the same year all accounts were reporting deferred. This is immediately after the late payment I received. 

NelNet : In the month of XX/XX/XXXX I began receiving late payments, During this time I was in a Forbearance because I'd just graduated I was given a total of 5 late payments XXXX XXXX XXXX. During the month of XX/XX/XXXX I received a late payment on my student loans. This late payment was listed in error because I was under The National Emergency Forbearance Due to the Corona Virus Pandemic. 

I have spoken with XXXX, NelNet, XXXX XXXX, and the credit Bureaus and neither of them removed the late payments. During my last correspondence I wrote a letter to all three credit bureaus and they stated that all the information was correct although it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: WA

Complaint narrative:
I set up a Binance US account, I made a deposit for {$500.00} and it failed. I ended up making successful deposits totaling {$500.00} the same day XX/XX/21. 
On XX/XX/21 the failed {$500.00} was debited from my checking account and the transaction still says failed, the money essentially disappeared. They debited a total of {$1000.00} and only credited me {$500.00}. 
I filed a ticket # XXXX ( only option for contact ) including documentation the same day, didnt hear back and it wasnt until I started XXXX about it that they responded with We have inquired with our banking partner. That was XX/XX/21 Ive heard nothing back, despite trying to contact them. There are hundreds of other people having the same issue, some waiting for months with no answer. I need that {$500.00} back in my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
On XX/XX/2021 I called my mortgage company, Mr. Cooper, for about the 6th time, because they were giving me different answers about removing my PMI. I let them know that they could not refuse this due to the Homeowner 's Protection Act, and I was then told that I could send in around {$12000.00} to reduce my principal within the limit. 
I did that and requested that they remove the PMI. 
On XX/XX/XXXX I followed up to find out that they had not removed the PMI and the woman ( no name given ) said that she would " submit the paperwork. '' On XX/XX/XXXX, I spoke to a woman that said that I was still {$800.00} dollars from the point where PMI would be removed and she then transferred me to " XXXX '' who informed me that somehow my home was now in a FEMA Disaster Area and that XXXX XXXX would not allow the PMI to be removed unless I PAID for an assessment. 
I am beyond disgusted with this company. 
Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$6700.00}. My credit card balance after 3 days showed a {$0.00} balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$6100.00} in the promise that it would be paid with the same checking account that paid off my credit card. On XX/XX/21 the original payment of {$6700.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definitaley money in the account to pay the balance. 
I submitted payment for the XXXX transaction on XX/XX/21 in the amound of {$6100.00}. It was returned as insufficient funds on XX/XX/21. 
I disputed this transaction of {$6100.00} on XX/XX/21. Sent in all of the requested information. 
Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$6100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
This debt had previously been removed by another company. I received a notice from elevate stating I owed a debt for a bill that was previously disputed and removed with another company. Letter stated I had 30 days to dispute the transaction. I sent elevate the following by certified mail in USPS. 


" XXXX XXXX XXXX, FL XX/XX/XXXX Elevate Recoveries , LLC XXXX XXXX XXXX Re : XXXX Dear Elevate Recoveries LLC, I am responding to your contact about collecting a debt. You contacted me by mail, on XX/XX/XXXX and identified a debt. 
I do not have any responsibility for the debt youre trying to collect and has previously been reported to Consumer Financial Protection Bureau. 

If you have good reason to believe that I am responsible for this debt, send me debt verification via mail with the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you have reported it to a credit bureau report that the debt is disputed. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX " Elevate failed to provide information to verify this date and did not respond but instead reported negative collection agency. I disputed the collection on my XXXX report however elevate state it was a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings
State: NC

Complaint narrative:
XX/XX/XXXX Called stating I am owe an Admin fee to an apartment complex. I stated I never lived there. He said well the still have an admin fee you owe. I said no, he started going back and forth with me, stating it's going to be on my credit, I better pay it. I said do not call anymore and he was harassing me. I hung up. Another person called right back same number. I said didn't I tell you not to call me, she said haven't spoken to you. I stated to her, do not call me again. I hung up, then blocked the number. 
XX/XX/XXXX Even though they are blocked, they have called 4 times and left harassed messages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: MO

Complaint narrative:
TEK-COLLECT, INC has an account on my credit report still reporting as opened when it was discharged in 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: Early Warning Services, LLC
State: MA

Complaint narrative:
Early warning Systems continues to delay correcting the information that was created as a result of a fraud perpetuated on me, as well as Identity Theft that was from stolen information as a result of malware ... trying to " unlock '' my XXXX XXXX XXXX XXXX account which is being prevented bt Early warning Systems faulty reporting and inordinate delays, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
From XX/XX/2020 to XX/XX/2020. I tried reaching out to capitol one during corona pandemic to get a forgiveness or forbearance plan. I did not receive any hardship forgiveness due to Corona pandemic for monthly payments. I could not pay all bills mortgage and babysitters due to kids being out of school.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I finished paying my XXXX  XXXX credit card off XX/XX/2020 and unbeknownst to me they were charging me a $ XXXX  monthly fee and due to the devastation of COVID 19 I lost many family members and I wasnt keeping up with any email correspondences although I did not receive any calls from them. After 4 months upon checking my old emails I saw that Id been charged {$1.00} for 4 consecutive months and now had a past due amount that was a space of delinquency, I Paid it immediately upon my knowledge of the charges and The company still reported my account to the credit agencies and Ive since sent letters and lost many points without any resolutions or communication from first premier. Please help these late payments need to be removed. The company failed to contact me via phone which is my preferred contact method to let me know about the reoccurring charges. During these times I expected more compassion for a company Ive never been late on and have been loyal to for 20+ years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 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: FL

Complaint narrative:
i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Chime Financial Inc
State: LA

Complaint narrative:
I started receiving emails from CHIME on XX/XX/2021 saying Welcome to Chime. Evidently I had been approved for some type of credit card, its called a XXXX debit card. I kept getting emails daily. I NEVER APPLIED FOR A CHIME CARD. I NEVER HEARD OF IT. Then, I received the card in the mail. I opened the card and it looked legitimate. BUT I DID NOT APPLY FOR THE CARD. I called to find out what was wrong, and it would not accept the last four digits of my social and card number to ask questions/or activate. I spoke to a customer service rep. that opened the file with my social, and address and said I had an approved card. I told them I did not apply for a CHIME card. I canceled the card. I need to make sure CHIME is not on my credit report. I also want to report them to make sure this does not happen to anyone else.

Company response to consumer: Closed with explanation