vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NM

Complaint narrative:
My Loan was sold to Mr. Cooper/ Nationstar company in XX/XX/XXXX. XX/XX/XXXX the home insurance payment was due. Mr. Cooper/ Nation Star called XXXX XXXX to get payment amount. XX/XX/XXXX they mailed the payment. Insurance company cashed the check XXXX XXXX but said they received the check XX/XX/XXXX which they stated was received too late and therefore instantly issued a refund to me however I never received a check or letters of cancellation from them. This entire time I have been making my payments to the mortgage company under the assumption that my home was insured as my was loan includes my insurance payment built into the monthly payment. On XX/XX/XXXX my house caught on fire due to an illegal firework that landed on my home while I was not home. Unfortunately extensive damage occurred to my home. I called XXXX XXXX XXXX  and filed a claim. On XX/XX/XXXX I received a call from XXXX XXXX  that my claim was denied due to my insurance was canceled effective XXXX XXXX. I immediately called mr. Cooper/ nation star and after many phone calls between them and my insurance I have been told that it is my previous lenders fault as they never added them as loss payee however when the sale happened I personally called mr. Cooper and was told that it was a seamless transaction and they would handle everything and to just continue making my payments. Now nation star is stating that they will only help me if I agree to allow them to add force placed insurance to the loan which is extremely expensive and will not cover any of my personal items and possibly not all Of the damages. I feel Helpless as they told Me either I agree or they will add the insurance since I dont have insurance on my home. I am currently XXXX  since it is not safe to live in my home due to the fire damage. My mortgage company will not even speak with my any longer unless I agree to what they want. Please help me as I dont know what my rights are here and I thought the mortgage company was suppose to pay my insurance which is what I thought I was covering in my monthly payments to them this whole time. 

Side note : XXXX from Mr. Cooper was rude and would not escalate my call to a manager when I asked her too. States I needed to speak with her as she needed to try and fix it before escalating. She also argued with the insurance company that mortgage companies have 30 Days to make the payment but the insurance rep told her no payment is due when its Due which leads me to believe that I may not be the only one that may have an insurance policy cancelled due to late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I paid off a credit that was delinquent since XX/XX/XXXX. They were suing me for the amount owed and a count date was set for XX/XX/XXXX. The day I went online to pay off the debt ( XX/XX/XXXX ) I was given a confirmation number and shown a XXXX balance. Today when I log on to the website I have a current balance of {$1000.00} which was the original loan amount. There is no show of the account being paid off. When I call the credit collecting company they state that my account has been closed. They state that I will receive a letter " soon '', but no letter has been received yet.They are unable to tell me how long it may take for the account to show it has been paid, they continue to tell me to wait, they are unable give me any further info about the legal actions taken against me. However, my main concern is that I am in the process of buying a home and this debt is still being reported to the credit bureau, having a huge negative impact on my usual perfect credit. I have spoken to my broker who has informed me that this is the only debt on my credit history and that it needs to be removed ASAP in order to move forward. Which I have done the necessary steps provided by the company to remove it. Part of the agreement to close the account was a settlement of {$810.00} and also that the account would be removed from my credit report and no legal actions pursued. I have paid the {$810.00}. This agreement has not been met by the company. I have upheld my end of the deal by paying the settlement amount. Before making the payment I requested for a letter to be sent with the terms of agreement which they disputed and stated that they do not send out letters. Feeling uncomfortable about this I opted to pay online and save screen shots of the process instead of making a verbal payment over the phone. Basically this company has not met their end of the agreement by closing my account in full and completely removing this debt from the reporting credit bureau even after making a full payment. I have spoken to 10 different representatives from 3 different departments from Midland Credit Management, all have given me the run around. I am afraid I have been screwed over and lied to and I am am worried that this will spiral me into a bigger whole with my credit score being affected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-02 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: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
I have an early lease termination that was charged off in XX/XX/XXXX but it is still showing a balance due of XXXX. Its GM financial services on a XXXX XXXX XXXX. Im a XXXX American veteran  trying to buy a home and the mortgage broker is telling us the account balance should read {$0.00} for balance due. I was told by someone on the phone from GM financial that if I did the early lease termination it wouldnt affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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:
This account has been obtained by someone else who stole my identity and now I am paying the price for it. My credit is being hindered by the fraudulent account due to the fact that I am XXXX  XXXX and the bank will not extend the needed loan amounts for me to take on projects of my caliber that I am accustomed to. I ask for your help in the removal of this fraudulent XXXX XXXX  XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Purchased a Refrigerator online at Lowes during their XXXX XXXX   Pre-Sale. 

Chose the interest free option, I believe for 12 months. 

Lowes is charging me interest They say that I caught this too late and therefore they do not have to fix the issue

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 2020-03-02 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have attempted to contact Experian via internet and phone multiple times to open a dispute about my identity theft and unless i'm willing to buy there protection services i get put on hold and hung up on. today alone i spent over 2 hours on the phone and after trying multiple numbers XXXX  from the internet and following every step. the result is the same. I get hung up on. My Lift is being altered by the information they are getting paid to keep track of that is inaccurate and i cant even get them on the phone to talk to me about 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 explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
A credit card was opened with Capital One in XXXX. The card was used up to XXXX when I lost my job and was unable to keep up with the payments. Once I got a job and was in a good place, I continued making regular payments through XXXX even though they had since closed the account and charged off the debt. In late XXXX I stopped making payments on the closed, charged off account. 

Capital One is now suing me for the remainder of which I can not afford to pay. They most likely have verbiage in the contract that obligates me to pay even after the charge off but that is not the issue. 

With an open lawsuit Capital One advertised, approved and granted me a line of credit for the same exact card in question within the lawsuit. 

Could this be considered predatory lending? It seems like encouraging debt and making a loan to an unqualified borrower, as well as a conflict of interest. 

With the recent cyber attacks, Capital One is facing substantial payouts on some class action lawsuits. Now it seems they are resorting to unfair practices to recoup losses. 

Please let me know if I have a viable defense to this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Business and Consumer Solutions.
State: IL

Complaint narrative:
The debt was paid to a collection agency FBCS , INC. Paid on XX/XX/2020 in the settled amount of {$280.00}. I would like this to be removed from all reporting credit bureaus since FBCS stated it would be considered settled

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: KY

Complaint narrative:
Franklin Collection Serv is charging me a bill that I don't owe, they never contacted me and they are hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In a previous complaint about Equifax they responded and said the accounts were removed and not reporting. That was false and the accounts are still showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
please note that in XXXX I was granted a loan modification for my loan of aprox {>= $1,000,000} at a rate of 2 % interest only. the payments were very comfortable for us to make. at {$4500.00} per month including tax and insurance. our taxes are low as we owned our home since XXXX However the loan modification was only for 2years and we were still trying to get back on our feet when the lender increased our monthly mtg payment from {$4500.00} to {$12000.00} per month. OVER THREE TIMES THE AMOUNT. we were unable to make these payments and we again applied for a loan modification. 

after almost 7months the lender nationstar who now goes by Mr cooper approved us for loan modification however the amount monthly was still {$12000.00} which is three times what we were paying. 
we were told by the representative that if we did not accept it we would be foreclosed upon. so we made three trial payments but it was very hard for us and then we could not pay more. we were approved again but we told the lender that the payments being three times the original amount were just too high. 

now we are told that we have to short sale or be foreclosed upon. please provide us with any information to help us save our home Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good afternoon, it was brought to my attention that there are several accounts on my credit report which are not recognized by me as mine. They are listed as XXXX XXXX XXXX, XXXX  XXXX  XXXX  and XXXX XXXX, none of which I have ever done business with. I have never applied or used they're services. These accounts are fraud and someone out there is using my identity to get credit. Please 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 2020-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
I have been sued by Bank of America and the response to motion for summary judgment, letters to credit reporting agencies and attorney attached. 

1. Trying to Failing to remove negative credit reporting during period required by the FCRA and FDCPA.

2. Failing to provid
e me with legal document that gives authorization for Gurstell Law firm to collect on their behalf. 

3. Purposefully destroying the application audio after a dozen complaint calls to fix the interest rate charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good afternoon, it was brought to my attention that there are several accounts on my credit report which are not recognized by me as mine. They are listed as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I have ever done business with. I have never applied or used they're services. These accounts are fraud and someone out there is using my identity to get credit. Please 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 2020-03-02 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: FL

Complaint narrative:
Good afternoon, it was brought to my attention that there are several accounts on my credit report which are not recognized by me as mine. They are listed as XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, none of which I have ever done business with. I have never applied or used they're services. These accounts are fraud and someone out there is using my identity to get credit. Please 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 2020-03-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2019, I purchased a XXXX XXXX  from XXXX XXXX in XXXX, CA. I had secured financing via my bank XXXX XXXX XXXX XXXX. Even though we had agreed on the price of the care before I arrived, the dealership said they would not honor it unless I used their financing. Instead of using my bank loan, they secured me a loan with XXXX at the same rate. At that time, I signed up for automatic payments. In XXXX, I received a notification that I had a 30-day late payment recorded on my credit history from XXXX. I received no statement or calls. I promptly paid the bill and re-enrolled in automatic payments. I submitted a dispute through Experian as though it would be a simple matter to clarify what happened. XXXX denied the disagreement. 

On XX/XX/2019, I called XXXX XXXX, expecting them to resolve the issue. Instead, the XXXX representative asserted their dealer 's behavior was not their responsibility. They also stated the sending me a paper statement was a courtesy. They said they called me, and I have no messages or records of their calls. They informed me that the number would be XXXX. I checked my XXXX bills for XXXX, and this number does not appear. I use XXXX XXXX, so I am 100 % sure they did not leave a message. I am also 100 % sure they did not e-mail me as they started sending me reminders after my first payment. 

In summary, the dealer would not honor their price unless I used their financing and then lost or did not accept my autopay enrollment. XXXX did not send me a mail, e-mail, call or leave a voice mail to alert me that the payment was past due. Upon notification of the issue, XXXX refused to acknowledge their mistake. 

The result of there erroneous filing is my credit dropped 86 points, and I am having trouble getting a mortgage loan. I have not had a late payment report in my entire over 25 years of credit history. My mortgage broker says I am not longer eligible for the loan we had planned to get based on my credit score and will need to get a VA loan because of lower credit requirements. This mistake will cost me tens of thousands of dollars extra if I can get the loan. 

Respectfully

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 2020-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
I contacted Disputed all charges that were posted to my account after XX/XX/XXXX. The last time I used the card was in XX/XX/XXXX. Therefore any charges that were posted to my account in XXXX are fraudulent. 

ALL charges that posted from XX/XX/XXXX to XX/XX/XXXX were fraudulent. I had not used the card since XX/XX/XXXX. 

My house was vandalized/burglarized on XX/XX/XXXX and I was incarcerated on XX/XX/XXXX and not released until XX/XX/XXXX. Therefore. I could not made of the purchases that were posted to my credit card during those dates. 

Since arrest records are public it is very easy to confirm the fact that I was incarcerated. It is obvious that my financial and personal information was comprised before and/or after my home was burglarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Complete Credit Solutions, Inc.
State: CA

Complaint narrative:
On XX/XX/2020 I received notice that a collection account had been added to my XXXX  report from Complete Credit Solutions Inc. At this point I had not been provided anything in writing explaining this alleged debt. I sent them a validation letter which I mailed certified on XX/XX/2020. On XX/XX/2020 I received a letter NOT from Complete Credit Solution 's Inc but some company named XXXX XXXX XXXX XXXX claiming that Complete Credit Solutions Inc was their client, and that I had an outstanding balance of XXXX which was assigned to their office on XX/XX/2020. Upon research I found that they are also a debt collection agency who is working under guise of a law office for Complete Credit Solutions Inc to trick consumers into paying invalidated debts. I also sent the alleged law office a letter asking them to validate the alleged debt on XX/XX/2020, and have yet to hear back. 

On XX/XX/XXXX, I received a phone call from Complete Credit Solutions Inc during which I asked the representative XXXX if they had gotten the letter she advised that they had received it. She advised that they would be sending a response soon I ended advising that I would wait for the letter before discussing anything further with them. However a few hours later I received yet another alert from XXXX  advising that Complete Credit Solutions Inc had hard pulled my credit report for an installment loan. I did not authorize them to pull my report and further they are a collection agency not a creditor who provides loans. I presume they pulled my report due to them trying to obtain information to validate the alleged debt. 

Additionally, the alleged debt upon research is for a company called XXXX XXXX who is no longer in business and have not been for at least 4 years. I have also reached out to them and they have no evidence that I owe debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following companies made hard credit inquiry without my permission. 
XXXX XXXX - XX/XX/2020 XXXX XXXX XXXX- XX/XX/2020 XXXX XXXX XXXX -XX/XX/2020 XXXX - XXXX- XX/XX/2020 XXXX- XXXX - XX/XX/2020 XX/XX/2020

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