vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
My loan was transferred from XXXX to Mr. Cooper for servicing starting in XXXX of XXXX. Since Mr. Cooper has been in charge of the servicing I have had a problem with the payment being {$47.00} higher than it should be due to Property Tax. There was an escrow shortage in the amount of {$570.00} for prior year, and I had option of paying this in full or spreading out over payment. I called Mr. Cooper and informed I would be sending this paying in full. I did this on XX/XX/XXXX. The payment was applied as partial mortgage payment. I called and got the payment correctly applied. My mortgage payment should been {$2400.00} with the applied escrow payment. I sent {$2500.00} payment XX/XX/XXXX, for XX/XX/XXXX payment, because my statement for that month did not reflect the escrow payment, so loan payment was {$2300.00}. I had additional conversations with Mr. Cooper because XXXX statement sill reflected a payment {$47.00} higher than it should be due to the escrow payment referenced above. All Mr. Cooper associates identified that the escrow payment was posted but the payment was not adjusted by the PPT team and they would resolve. On XX/XX/XXXX I sent XXXX payment in the amount of {$2400.00} because at that time the payment was still reflecting higher. At this time, I contacted Mr. Cooper and was put in contact with XXXX in the escalation department and advised would get issue resolved. In the meantime, I made my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$2300.00}, paying an invoice that indicated I owed $ {$2300.00}. At this time because I qualified to have Mortgage Protection Insurance removed from my loan, the payment should have been {$2200.00}. This reflects the {$2400.00} payment - {$160.00} MPI amount. Mr. Cooper acknowledged this amount. On XX/XX/XXXX at XXXX XXXX, I had a collection call from Mr. Cooper for my XXXX payment. Please note I have sent more than the required amount every month since they took the loan over. I contacted Mr. Cooper and spoke with XXXX who stated payment was applied incorrectly but even when she moved the money that there was over {$100.00} shortage. I asked her how this could be possible when I sent more than the required every month since they took the loan over and she could not answer the question. This is completely unacceptable. I was informed the only way to remove them as service provider was to refinance home, but then there is no guarantee that this company would not wind up being the service provider at some point. Since XXXX when Mr. Cooper took over this loan, I have spoken to the following associates at Mr. Cooper and the problem has only gotten worse because now I have paid more than I owe monthly and I am in collection status. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I have truly tried to resolve this issue and Mr. Cooper seems incapable of effectively servicing this mortgage. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: OH

Complaint narrative:
I previously submitted an Affidavit to update my personal information : My name is : XXXX XXXX - DOB : XX/XX/1971 - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX PL XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX - All other numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I AM CURRENTLY RECEIVING BWC : All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX, XXXX XXXX, XXXX XXXX FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED : XXXX, XXXX XXXX  XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX via 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 2021-07-15 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: OH

Complaint narrative:
I previously submitted an Affidavit to update my personal information : My name is : XXXX XXXX - DOB : XX/XX/1971 - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX My current and only address is : XXXX XXXX XXXX XXXX, XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX PL XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My current telephone number is : XXXX - All other numbers are not accurate. Please REMOVE/DELETE these numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I AM CURRENTLY RECEIVING BWC : All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX, XXXX XXXX, XXXX XXXX FOLLOWING HARD INQUIRIES WERE NOT AUTHORIZED : XXXX, XXXX XXXX XXXX via XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX via XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX  XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX  XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide a breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until the debt has been validated by me. 
4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request for debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

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 2021-07-15 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that XXXX  XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware there is a debt from XXXX  XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX  XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPAA authorization. 
1. Please provide a breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you.

3. Cease any credit bureau reporting until the debt has been validated by me.

4. Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any medical provider can be perceived as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request for debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: MD

Complaint narrative:
XX/XX/XXXX Mailed letter to Experian, XXXX. XXXX  XXXX, XXXX, TX XXXX, pointing out that my address where I have lived since XX/XX/XXXX has been removed from my Experian Credit Report since XXXX. Requested that my address be added to my Experian Credit Report. I enclosed copies of my Driver 's License and Gas Bill to verify the address. 
XX/XX/XXXX Experian sends email with link to completed dispute results, report no. XXXX. My address has not been updated in the credit report. No reason is given. 
XX/XX/XXXX Experian sends second email that dispute is now open. 
XX/XX/XXXX Experian sends third email that address dispute is just about done. 
XX/XX/XXXX Experian sends email that address dispute should be completed by XXXX. XXXX, XXXX. 
XX/XX/XXXX Experian sends second email that dispute results are completed, report no. XXXX. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends third email that they are just about done with the address dispute. 
XX/XX/XXXX Experian sends fourth email that dispute results are now available, report no. XXXX, ID : 1 ( same report no. as second email sent on XX/XX/XXXX ) XX/XX/XXXX Experian sends email that address dispute should be completed by XXXX XXXX, XXXX. 
XX/XX/XXXX Experian sends second email that dispute results are completed, report no. XXXX. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends third email that address dispute results are just about done. 
XX/XX/XXXX Experian sends fourth email that account has been updated confirming address and middle name on my Experian account. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends fifth email that account has been updated. 
XX/XX/XXXX Experian sends sixth email that dispute results are ready, report no. XXXX. My address still has not been updated in the credit report. 

Subsequently there have been periodic emails notifying me that the address has been updated in my credit report. However, they have not updated my address and I have given up trying. Hope the CFPB can help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Received a notification. From XXXX  that 2 debt accounts have been added to my credit. One for {$220.00} and {$80.00} I have not received no information about debt. I do not have any collection on my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
I've been communicating through loan servicer, SNSC Corp, with my lien holder regarding a payoff proposal. Initially, I didn't have my home listed. After a series of emails, ultimately the lien holder said they would not consider a payoff proposal without some type of documentation supporting the request, such as a sales contract. 

I put the home on the market, and on XX/XX/21, I began the latest series of communications. 

XX/XX/21 - Initial email sent to servicer with proposal. 
XX/XX/21 - Servicer replied confirming my proposal was sent to lien holder. 
XX/XX/21 - Servicer requested I send a copy of the sales contract and HUD/Settlement statement. 
XX/XX/21 - Servicer denied my request. 
XX/XX/21 - I replied to servicer, asking with whom they are speaking representing my lien holder. 

To this date, the servicer has yet to respond with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion investigated XXXX XXXX  and XXXX XXXX  several times. I reported the furnisher to the Attorney General of PA, and they reported that no adverse activity is on my report to AG Office of consumer protection of pa. I am requestingnthat the adverse action reporting be removed as they also stated all payments are being made on time!

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 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken

Complaint narrative:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

The equivalent of XXXX GBPwas transferred from my wallet utilizing your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent my dispute letters several times to the credit bureaus but until today I still have not received any results. Here are the accounts : XXXX/XXXX  Account # : XXXX XXXX/XXXX  Account # : XXXX XXXX  XXXX Account # : XXXX & XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: MO

Complaint narrative:
XXXX XXXX/XXXX  2 late payments XXXX Closed 4 late payments XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX XXXX XXXX XXXX Closed 36 potentially negative months XXXX  XXXX XXXX Closed 1 late payment XXXX XXXXXXXX XXXX Closed 21 potentially negative months XXXX XXXX  XXXX Closed 39 potentially negative months XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX XXXX XXXX  XXXX  Balance updated XX/XX/2021 2 late payments XXXX XXXX XXXX XXXX Closed 3 late payments XXXX XXXX XXXX XXXX Closed 38 potentially negative months XXXX  Closed 40 potentially negative months

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
RE : Navy Federal Account Number XXXX I am listed as an authorized user on an account with NFCU. ( Account number XXXX ) This account was owned by someone who is now deceased. As such I would like to be removed as an authorized user as I am not the responsible party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 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: NJ

Complaint narrative:
I have been disputing this erroneous information for months now. Ive been told they there has been multiple investigations and accounts have been verified but all the information tied to these accounts are inaccurate, I've been patient up until this point because now these accounts are actually causing me damage.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/21 I was notified by my banks fraud dept that an app called, XXXX was attempting to make a purchase at a XXXX XXXX in California for {$2800.00}. It was declined and my bank then asked me if it was me, and I replied no! At that time I also informed them that this XXXX  prepaid debit card just withdrew {$2500.00}! Along with four other small withdrawals of {$25.00}. Totaling {$2600.00}! After that I made calls to my bank, and they in turn, to me verifying it was in fact, not me. I also have texts, emails, and phone calls in real time verifying that. Problem solved right? No. Despite the obvious hack to our account and the bad work done by Visa verify and Chase bank, they refused my " claims '' because I guess the funds had already gone out. Now they ( Chase ) are re stealing back from us! Apparently this XXXX tried dozens of time before, during and after the night of XX/XX/21 to steal from our account, but were stopped. I have since closed my account with Chase because I can no longer trust them with the safety of my money after some 20 plus years of banking with them. XXXX is a scam and people need to be aware

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-15 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: NJ

Complaint narrative:
I have been disputing this erroneous information for months now. Ive been told they there has been multiple investigations and accounts have been verified but all the information tied to these accounts are inaccurate, I've been patient up until this point because now these accounts are actually causing me damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: OneMain Finance Corporation
State: NJ

Complaint narrative:
My rights have been violated due to their negligence and non compliance with federal law. There was no authorization given verbal or written given consent to release any information on my behalf.I am willing to settle this matter without any admitted liability. I am demanding compensation for each one of these violations and I am demanding a deletion from all consumer reporting agencies.

Company response to consumer: Closed with explanation