vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-01 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I received an forthright answer from Mr. Cooper about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last XXXX to Mr. Cooper and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX pm called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX Mr. Cooper and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call wells fargo as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: MI

Complaint narrative:
I received an forthright answer from XXXX XXXX about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to XXXX XXXX and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX of XXXX XXXX and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call XXXX  XXXX  as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX 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 2021-11-01 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: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I received an forthright answer from Mr. Cooper about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last Friday to Mr. Cooper and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX XXXX  called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX Mr. Cooper and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call XXXX  XXXX  as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I sent American Credit Acceptance a notice, requesting an alleged debt to be validated pursuant to 15 USC 1692g. Notice was mailed on XX/XX/XXXX, and confirmed received on XX/XX/XXXX. There has been no correspondents to the letter sent. Silence means that they agree, the demands that were in my letter need to be met.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascendium Education Group
State: WA

Complaint narrative:
I have been an XXXX XXXX  member for 13 years plus and when I applied for a student loan with the Dept of Education in 2008 I was approved for the XXXX this loan was given to me via Ascendium and the US Dept Of Ed. I have had the loan in forbearance several times with intention of using my education awards to pay this loan in time, I recently was informed that tis loan was in default and I owed a sum of {$9500.00} for a loan of only {$3700.00}!!! I as an XXXX XXXX XXXX XXXX member find this excessive interest rates XXXX and unacceptable at the time of the loan I had no understanding of the 6.8 percent interest on this student loan coming form the department of education!!! I have never heard of such a rip off of the student loan process!!! I need help reducing or canceling this loan as I have made several attempts via myamericorps.gov portal to pay this loan with no success and it continues to increase my interest apart from the covid-19 protocols someone needs to raise this issue to congress as XXXX students like myself have been placed in this situation base on my race credit and lack their of this is a violation of my civil rights to equal treatment and I want to raise this issue as high as it high as it can go to expos this travesty in the XXXX community!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase my true mortgage broker have been participating in an fraud scheme although at times still telling me the true that YES this is your loan and YES this is your property and they still lie like 90 going north. They will lie and say that this is an duplicate and should be punished for this A SCAM. 

Please explain to the CFPB your involvement with wells fargo and my loan, loan number XXXX. 

And recall XXXX XXXX AND REFERRED TO ME AS MY TRUST ACCOUNT AND THE ESCROW CAME BACK TO ME AS STATE TREASURY XXXX AND MY CLAIM BY CHASE STILL UNRELEASED AS CLAIM NO. XXXX AND IS A LOT OF CRIMINAL ACTIVITY GOING ON HERE WITH THIS CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX and Im a customer of Bank of America. The bank of located in XXXX XXXX, ca zip code is XXXXthey have three staffs helping out those who has needs for wiring/transfer needs! 

Today I make a transfer I come in the bank and I sign in thinking I will get seen soon but the people with an appointment get seen first, making me wait for over an hour. Which is unfair for those who are waiting!

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 2021-11-01 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: IA

Complaint narrative:
I'VE SUBMITTED MY PAPERWORK REGARDING THESE ACCOUNTS SEVERAL TIMES AND THEY KEPT COMING BACK SAYING THE ACCOUNTS HAVE BEEN VERIFIED. I'M NOT SURE WHAT TO DO EXCEPT KEEP SENDING IT BACK.

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 2021-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: MO

Complaint narrative:
I am trying to sell some of my real estate that has a loan through Caliber Loans. The title company has found an issue with the legal on the open mortgage. I am needing to get the legal description issue resolved so I can sell a portion of the property. Myself and the title company has sent the needed information to clear up the issue but the lender has not fixed the issue in 5 months. 
We filed a complaint with CFPB on XX/XX/XXXX. The company responded but still had the legal incorrect. To begin with they had my home loan against tract 2 which I no longer own. It is supposed to be against tract A and B, which is the tract my house and shop sit on. After contacting them about this problem they tried to correct it by putting the loan against tract 1 which is still incorrect. The loan is supposed to be against tract A and B NOT tract 1 and 2. I have attached the legal documents to further explain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: MD

Complaint narrative:
On XXXX XXXX, XXXX I received email from Paypal that they are debiting ( charging ) my account because I received duplicate credit for following transaction Dispute Case ID XXXX Transaction Amount {$310.00} USD Dispute Amount {$310.00} USD Transaction ID XXXX Transaction Date XX/XX/XXXX Also for same reason Paypal Credit ( Synchrony Bank ) charged me {$300.00} on XX/XX/XXXX For last two weeks I have made several calls and sent several notifications to Paypal and Paupal credit about this issue and seems like no one is willing to help.

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 2021-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF THE WEST
State: NJ

Complaint narrative:
I continue to receive no response and incomplete and erroneous processing of my loan application from XXXX XXXX at Essex-bank of the west. I already have a boat loan with them since XX/XX/XXXX.I was in a boating accident and the boat which they currently hold the loan for was totaled. That loan is in process of being paid off. I found a replacement boat and reapplied for a loan through Essex for this. I was approved for the loan on XX/XX/XXXX. But since then I have had nothing but problems and delays. XXXX XXXX asked for some signed documentation on XX/XX/XXXX which we sent over right away. XXXX however never even confirmed he received our documentation until XX/XX/XXXX. Even after repeated emails. Then on XX/XX/XXXX only after I continued to email him several times and left a voicemail did he call me. I was sent a follow up email the following day stating he needed current bank lienholder information per the payoff letter. However XXXX doesnt even know the rules of who holds the title. We responded to him with the following : In New York the owner holds the title not the bank ] There are only nine title-holding states : Kentucky, Maryland, Michigan, Minnesota, Missouri, Montana, New York , Oklahoma, Wisconsin. In the other 41 states, titles are issued to the lien holder of your vehicle until the loan is fully paid off. He wanted an updated title with bank name not owners name?? We also resent he title that shows two lien holders one being XXXX XXXX  XXXX ( The name is spelled out. XXXX XXXX XXXX XXXX XXXX ) We did send a satisfaction of lien from the additional lienholder. This was sent on XX/XX/XXXX. Since then no response even though I have emailed him 3 times and left a vm. And he is out for the second time since I have been dealing with him until XX/XX/XXXX. And was told when I spoke to him on XX/XX/XXXX that this process could take an additional 3 weeks. I am in danger of losing the boat we found if this can not be expedited.

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 2021-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
TD bank closed my accounts in XXXX. I went to the local office asked the reason, the agent got a response for no reason, only according to company policy. On the same day, The agent checked out my account and paid off all the balance. 
After two months I got a letter from TD bank in XXXX, there is still a balance on my account, and created a fee charge. I went to the local office, i disclaimed the charge because the previous agent gave me incorrect information about my account. the manager assistant called the customer service, according to company policy, I was requested to pay the fee in advance, and then TD would send me a check with that amount as a refund. 
On XX/XX/XXXX, I got a letter fro TD bank, I would not get the check. I went to the local office and found out the manager assistant, she told me she cant do anything for me. In The whole issue, I dont do anything wrong, I was cheated by TD bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
Under 15 USC 1681b - Permissible purposes of consumer reports ( a ) 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 PER the consumer to whom it relates. XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX  OF AZ XXXX XXXX, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all account as it relates, Immediately. I, XXXX the executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction, only collecting the proceeds not assets, without any penalty or obligation from the above date or any later date on which all material disclosures required under the truth in lending act have been given to you.When canceling this transaction any lien or other security interest on my property arising from this transaction is automatically void. I am also entitled to receive all proceeds of which this account is owed. In addition These accounts have not been validated and must be removed pursuant to FDCPA, FCRA and Federal laws.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: CO

Complaint narrative:
Is the following a violation of any banking regulation : We have been unable to view our personal checking account transactions since PNC bought out our bank, formerly known as BBVA. 

This has been going on for over two weeks now, with no one able to resolve the problem because they claim they are working 24/7 to resolve this issue with so many customers. Situation sounds like utter chaos. 

So we do not know whether our deposits and direct deposits are being properly credited nor do we know whether our withdrawals are being properly and correctly processed. Indeed, we don't even know if our account might have been hacked. 

Neither local branch employees nor management personnel at PNC can tell us how much longer it will take to get this resolved. Just that they are working on it. 

Please advise ASAP if this is a violation of any banking regulation. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Outsourcing, Inc.
State: FL

Complaint narrative:
I the consumer and the original creditor was sent a letter from Receivables Outsourcing , LLC regarding an alleged debt. A request of validation and cease and desist was sent in regards to this alleged debt on XX/XX/2021. Also sent on XX/XX/2021 was an affidavit of truth, invoice, exhibit A, exhibit B and exhibit C for 4 federally protected consumer right violations pursuant of 15 USC 1692b ( 2 ) and 15 USC 1692b ( 5 ) that Reivables Outsourcing, LLC infringed on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IL

Complaint narrative:
I contacted Discover Bank to dispute a {$25.00} fee that XXXX took from my account then lied to the CFPB and said they did not take it from my account for a NSF charge when the check had already cleared the bank! Complaint XXXX and my response to that complaint is below! Then the bank said they did pay it but I would be on hold for 45 min waiting to file the dispute or more! I told XXXX I could not wait as I work for the State of IL Dept of Employment and told XXXX her manager the same and asked them if they could file it for me as we are working 12 hour days and they only allow us two fifteen minute breaks a day and an hour lunch which I was calling on! So I am not able to call and sit on hold at any time and need to get the dispute filed, they would not do it and kept telling me to call back to XXXX. They will not listen. Please contact their corporate office and have them dispute and reverse the {$25.00} fee they paid to XXXX XXXX which was XXXX which was the fee they just told you they never received!! 


LIARS!!! I updated this complaint as well as the complaints I have filed with the FTC and the IL Attorney General with the letter I just received yesterday from these crooks all with screen shots for all transactions made on my account which show the exact dates and amount to taken from my checking account! The check was submitted XXXX times by XXXX XXXX Bank for  XXXX XXXX and paid full on second attempt which is NOT and NSF! Then a week later these crooks stoled by ACH the {$25.00} fee for nothing! Yes they did get it my bank did not decline I have proof of all so do you as I sent all to your report fraud email address to give to you and so do the other regulators! I want my money back now or I will sue and for a whole lot more in fact! XXXX was sued by the FTC recently for the same fraud and had to pay billions as was XXXX XXXX, they have not learned and need to be shut down!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am not an attorney or third- party rep, there are accounts on my credit report that does not belong tome and believe that this is an act of fraud. I have a legal right to dispute the following account : -XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX # XXXX -CAPITAL ONE # XXXX XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX -XXXX XXXX # XXXX -XXXX AUTO # XXXX ( XXXX ) -XXXX XXXX XXXX. # XXXX -XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: OH

Complaint narrative:
I had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX XXXX XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01 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: OH

Complaint narrative:
I had several accounts with information that is not correctly dealing with an account from XXXX XXXX XXXX # XXXX this account is not accurate!! This balance was PAID in full with the original creditor XXXX XXXX. i do not know how the account ended up with a 3rd party collection when it was already paid. Next account is XXXX XXXX XXXX XXXX is showing 3 late payments when the balance was actually paid in full as well. My income was impacted by COVID-19 and I had already called in requested accommodations to assist with the late payment arrangements to protect my credit profile under the executive orders to help with the impact of COVID-19 under the CARES ACT.

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