vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
modification in XX/XX/2020 PA code 59.13 in relations to reasonable diligence was violated when i timely provide record of everything required for a modification was denied for timeliness of documents even though it uploaded and I emailed it to support my record and less than 90 days later i was offered another attempt at the same modification I then supplied updated financial information and all other information was good to go yet Mr. cooper needed another XXXX ( valid for 120 day ) and a authorization for XXXX ( same information ) and different criteria from the same loan months prior another affidavit another XXXX XXXX app done again WHEN they were the one at fault .. How can i supply you with emails of record and upload them and Mr cooper said they never received them but my email Shows when Mr cooper got them within the required time defined in this legal section Mr cooper has never taken into consideration the harm of not knowing what to expect or how to make informed decisions when one is at the brink of foreclosure and its very alarming. In this pa code 59.13 there is a subsection iv ) Facially complete application : and i met all those conditions in XXXX and my very last attempt this year ( when i stopped submitting my documents i then FILED WITH THE CFPB, XXXX XXXX XXXX XXXX XXXX  ) So while i wait for " justice '' and this was ignored Mr cooper Runs out the clock and leave me with tackling a unfair amount that should have been negotiated XX/XX/2020 but Mr coopers Mail box didn't work at that time And this last attempt IS Mr Coopers gross negligence after their " charity forbearance '' My DOCUMENTS were sent on time and anything Missing would have been rectified the second time Mr cooper has purposely been evading to evaluate me on time and then ask me for information in a short period of time where there is no reasonable way it can be achieved .... I'm Flabbergasted that MR COOPER THINKS THAT I DONT KNOW THE PROCESS AFTER ALL THE PROCESSES IVE BEEN SUBJECTED BECAUSE OF MR COOPER XXXX TO ADMIT A MISTAKE time after time after time. BUT THATS NOT REDUNDANT

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
To : Navient Customer Care Department Case # : XXXX The nature of this corresondence is to inform Navient of errors and greivances that has caused me severe hardship on my consumer report, i'm speaking of the Closed Navient accounts. Now I had Navient customer care department perform a reinvestigation spear-headed by the CFPB in regards to four bank statements that I made between XXXX. 

The results of the investigation was that they couldn't verify my payments without contacting my bank. And i'm going to show you that in accordance with cosumer law I am not obligated to disclose my personal banking information. 

You furnished a letter ( attached to this document ) in which you were not able to verify my payments after your reinvestigation, and because you couldn't verify the payments the reinvestigation was considered incomplete. You must delete the accounts or put in a delete account request to XXXX and XXXX because you are the furnisher, otherwise you have violated a consumer law which I will show you down below. 


This will be a notorized document and this will be the final notice to request These Closed Navient accounts ( 5 with XXXX and 2 with XXXX ) to be DELETED from the consumer file. If these accounts are not DELETED a lawsuite will be filed against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I had written to exqufix many time with a police report and affidavit that the debet is not mine. I gave the company ( Exqufix ) all the proof they asked for and more, still the company ( Exqufix ) will not do is right. The medical bills on my credit report is not mine, due to I.D . theft. I need you help and can you tell me how I can -sue- the company - Exqufix. Also all the ( hard inquries ) on my credit report is not mine, some tried to open credit in my name, i never gave anyone permission to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD

Complaint narrative:
I have an outstanding debt from : XXXX XXXX for {$13000.00}. It appeared on/around XX/XX/2018. 

I have no knowledge of this debt. Ive requested to have this removed from my name with no response.

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 2021-12-22 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: CA

Complaint narrative:
Both my bank and myself have tried to get these XXXX  to correct my balance to XXXX. They don't seem to understand that my original loan was incorrectly input into the system so the bank changed its status and re-reported it. They closed the incorrect loan and reported it as a collateralized loan but I then paid off the entire loan on XX/XX/XXXX. I have spoken many time with both Equifax and XXXX and they can't figure out their XXXX from deep center field. I have even sent them legal documents from XXXX showing the loan to be paid in full on XX/XX/XXXX, ( not to be confused with the original loan paid off in XXXX ). There should be 2 loans for the same amount, both paid in full. One loan paid off in XX/XX/XXXX and the other paid off on XX/XX/XXXX reported XX/XX/XXXX. I am going to attach the paperwork sent to the credit bureau and to me. It is the loan being released and paid from the State of AL to XXXX XXXX head of the loan XXXX XXXX XXXX Bank. At this point I am going to obtain legal counsel and then they will be paying for my legal bills. I am trying to refinance my house on a lower APR and they are causing me harm and if my rate goes up because they will not remove the inaccurate information, then my only option is to sue for the difference in my APR over the life of the loan. It seems both XXXX and XXXX have educated people working for them, instead of XXXX. I don't understand why they can't figure this out. It is simple and it has been a problem since my update. They also did not update my information for 2 months, which is inexcusable. They need to hire more highly skilled people instead of people that didn't graduate High School.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I purchased items from XXXX using PayPal and my PayPal credit card issued from Synchrony totaling {$1600.00} on XX/XX/XXXX. The transaction was broken into multiple transactions : {$210.00}, {$950.00}, {$27.00}, {$27.00}, and {$430.00}. XXXX 's claims to have issued three refunds totaling the full amount of {$1600.00} broken into 3 transactions : {$950.00} on XX/XX/XXXX, {$59.00} on XX/XX/XXXX, and {$640.00} on XX/XX/XXXX. However, only two of those transactions ever posted on my account ( {$950.00} & {$59.00} ) and I have been forced to pay the {$640.00} for merchandise that I have returned almost a year ago! In fact, the merchandise was returned in XXXX. I have been fighting with PayPal, Synchrony, and XXXX 's for almost a year and have spent hours ( 25+ ) trying to dispute this and have opened multiple inquiries, all which are always ruled in the favor of the merchant and Synchrony nor PayPal has done anything to track down what has happened to the returned funds from the Merchant. This has been an incredibly aggravating and experience that has not only cost me lots of precious time, but also has left me out of pocket for {$640.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22 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: TN

Complaint narrative:
Your investigation did not fix error in my credit file. I have informed you already that my report contains inaccurate and incorrect account that results of identity theft. XXXX already deleted this from my report and you should also comply with the law. This account must be remove and delete from my report asap.

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 2021-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My wife and I opened a joint account at Chase in XX/XX/2021. We did this in person at a branch. We brought all the required identity documents and extras just in case. All of our information was verified, and after over an hour, the account was opened. A couple of weeks later, I went to pay my credit card bill, and find out that my account was locked. Chase seemed to think there was something fraudulent going on with my account. It took multiple calls and several hours on the phone to resolve this. The obviously outsourced customer service seemed to have no clue what they were doing, and kept transferring me to different people, or telling me I needed to go into a branch. After several tries, the issue was finally resolved, or so I thought. My wife 's account was similarly locked, and we can not get any help. We spent half the day on hold, talked to several agents, and while on hold for yet another agent, the call went completely silent. We are completely fed up. We both need to be able to access our accounts, and we do not think it is too much to ask to be able to contact support when needed. Having overseas reps that can barely speak English and can't understand the issue or how to resolve it is XXXX. I have never had problems like this over many years of being a Chase credit card holder, so I assumed their consumer banking division would be run about as well, too. I was clearly wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 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: KY

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft report. I fully authorize this notice and compliance. I have also mailed the respective CRAs my Identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: Lending Club Corp
State: CA

Complaint narrative:
Lending Club is giving us the run-around! I have twice written, telling them to please deal with my daughter, regarding the closure of my wife, XXXX 's account ( she died in XXXX ). 
Also, I have also been on 3 phone calls where they did not resolve the issues, nor did they ask for additional materials ( if they needed them to do so ). I am fed up.

My daughter wrote to this particular agency last week to file a complaint, and the company responded by saying they would follow up with me. Well, that is why she complained! They are NOT following up with me!

They now have identification, death certificate, more than one letter of instruction, and a copy of the POA for my daughter. WE have sent some items multiple times. 
And they still have my money! 
We have had no rmeaningful correspondence form them in more than a month. 
Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2021 I attempted to view my account information at XXXX XXXX. My wife passed away recently so they restricted my access to our joint accounts. First call 39 minutes and no resolution. Second call 39 minutes managed to open an account to transfer all funds to since the joint accounts are no longer valid. Third call 50 minutes and still they can not provide even view access. I tried to escalate up their management change and got ran in circles and put on long holds. The automated system to direct calls is maddening. Around in circles before a human can be reached. I finally got them to update beneficiaries properly as they did not even ask as I opened the account with them today over the phone ( due to lack of on line access to any information or functionality ). They still have not given me access and stated they will call me later today with an update. Virtually all day without system access. Big problem when your business model is self service on line.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank sent me an offer via email indicating a bonus of XXXX points with a new card. I got the new card and met the offer terms but no bonus. 

When I reached out to Citibank I was told this was because I had had a card with them FOUR YEARS AGO!!! So I dont know why the offer was sent to me in the first place. There were multiple opportunities to let me know about their supposed eligibility criteria but Citi never did that. 

Please help. 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 2021-12-23 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am extremely frustrated I have had these accounts on my report I have dispute these inaccuracies with the credit bureaus as well I read somewhere that if you dispute something and its not verified within 30 days it has to be removed also there was false and misleading information and regards to these creditors trying obtain payments from me which is against the fdcpa please look into this matter

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 2021-12-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
59.7. Error resolution procedures. 



( 7 ) Failure to provide accurate information to a borrower regarding loss mitigation options and foreclosure, as required by XXXX ( relating to early intervention requirements for certain borrowers ). 



Numerous times in 2020 i emailed called many XXXX of MR cooper for a revised act XXXX  notice because i wasn't made aware of this safeguard until the later stages but ILL take full responsibility for this because we all Know you know who has a aversion to admitting anything So when i finally asked for a act XXXX  notice i kept getting a document dated in a previous year ( i get the logic that when it happened but you could have updated it and provided another date on it or attached an addendum a nice note ANYTHING to help when i was asking for assistance to have it reproduced or annotated to reflect this is a new situation ) WHAT LAW WOULD MR COOPER BREAK BY REPRODUICING IT for me again with a new effective date I mean the interest on the loan is still the same the principle FORCLOASURE CAN HAPPEN AT ANY POINT so WHO is hurting by not having this??? so i DONT get approved from a loan to save my house but I wasn't able to be qualified anyways since the document wasn't valid THANKS FOR CONTINUALLY REPRODUCING A REDUNDANT DOCUMENT MR COOPER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: HI

Complaint narrative:
In XXXX we got a predatory HELOC loan for XXXX XXXX dollars from XXXX, we have since learned that the gentleman who created this loan has a reputation for being unscrupulous. At the time this loan was approved, we didn't qualify for a fully adjustable rate for this loan. This loan was then sold to XXXX XXXX  XXXX, then to XXXX, and now is owned by XXXXXXXX XXXX XXXXXXXX XXXX solely as a legal trustee for XXXX XXXX XXXX XXXX1. This loan is being serviced by Specialized Loan Servicing ( SLS ) who handled all of XXXX loans. 
When the Covid pandemic hit, we filed for forbearance with SLS ( XXXX of XXXX. ) We filed a mortgage assistance application for Specialized Loan Servicing on the recommendation of SLS representatives in XX/XX/XXXX. It has now been 21 months and pandemic be XXXX, we are being charged an average of $ XXXX for the last 21 months. In our view, this is clearly a predatory maneuver on the part of SLS. Their position for the last three months has been " we have not received documents of information not in your control that we require to determine which loss mitigation options, if any, will be offered on behalf of the owner or assignee of the mortgage. We have requested such documents and/or information and will complete the evaluation for all available loss mitigation options promptly upon receiving the documents or information. '' Interest is accrued on top of interest due as a penalty. We are not able to refinance until we pay taxes this year, due to the financial troubles caused by the pandemic and we believe we shouldn't be paying or charged interest on top of interest. SLS is currently giving us a statement saying our past due amount ( due to pandemic forbearance ) is {$110000.00}, Total amount due is {$120000.00} our Credit Line is $ XXXX, and our New Balance is {$620000.00} They are charging approximately {$2000.00} of interest variably per month. We would appreciate any help, advice, or suggestions on how to resolve this situation. 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 2021-12-23 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: TX

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS : XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XXXX XXXX XXXX XXXX OPENED XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX THE FOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX, XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/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 2021-12-23 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
XX/XX/XXXX went to XXXX XXXX in order to complete a XXXX XXXX. Informed the sales representative XXXX that I already was approved and had financing through my credit union ( which I work for ) so that I wasn't there to get financing through them or have my credit run. That same sales rep left and came back stating they had to run my name and information through XXXX but assured me my credit would not be ran and it would not show up on any credit report. Less than XXXX minutes before he left I get a notification that my credit was pulled. Rep tried to deny it then later stated that it was miscommunication with him and the financing office. The sales representative 's manager then stepped in telling me to call tomorrow XX/XX/XXXX to get a letter to give to dispute it with the credit bureaus. Called the following day and was told I would get a callback in 5 minutes. I gave them an hour to make sure that they had enough time to generate the dispute letter and when I call back they tell me the manager left for the day because he was feeling sick. Manager 's name was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am unaware of this debt. I am not sure who it is or what it is for. I received notification of being in collections on my XXXX credit report. I have never received any letters, or phone calls to verify this debt. I was completely unaware to dispute and I have never heard of this company.

Company response to consumer: Closed with explanation