vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MT

Complaint narrative:
I was behind on payments leading up to XX/XX/XXXX. I had accumulated all of my past due payments and was calling Mr. Cooper to get wiring information and at that time, they told me that I didn't have to make that payment and there was a " great '' new government program out, and I didn't have to make payments and could use the money for other things. They lured me into this program, aka CARES Act Forebearance, with the " promise '' that the payments would go into the end of the loan. I was promised no late fees, no required payments and that the balance would be added to the end of the loan. Now, come to find out, they are telling me I need to pay the lump sum or give up my home. This was financial entrapment. The reason I was initially behind was because Mr. Copper increased my mortgage payment by 34 % in XX/XX/XXXX, claiming that the prior servicer had not calculated or collected escrow correctly. The prior servicer, XXXX, XXXX had on numerous occasions required excessive and predatory amounts of third party fees and expenses to keep the loan current and in place. No one has been able to substantiate what months and what amounts of escrow were not paid accurately or correctly doing the life of this loan, causing the 34 % increase in my payment prior to forbearance. I have owned this home for 21 years and I feel like I have been intentionally placed into a precarious place by Mr. Cooper and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had lost my debit card and an roomate had found it and had uses it and they passed away. Therefor my account is over drew {$130.00}

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 explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
Per my contract as the debtor I will be asserting my rights as the debtor XXXX XXXX XXXX violated 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) 3-415. OBLIGATION OF INDORSER. 

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.

1.15 U.S. Code 1692e.False or misleading representations 2.15 U.S. Code 1635 - Right of rescission as to certain transactions 3.15 U.S. Code 1605 - Determination of finance charge 4.15 U.S. Code 1692c ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I did a refinance and my loan was transferred to Mr Cooper. At the time of the refinance I clearly indicated that the sole reason for the refinance is to be set up on Bi-weekly payment to rapidly payoff my mortgage. At the time was informed not a problem. The problem is this never happened. I emailed Mr cooper XX/XX/21 of the error that needed to be rectified. I did not get a response. Followed up again with multiple messages and email and was informed there will be a charge for the bi-weekly set up. It is false and misleading. At no point anywhere in my emails or contract I signed was there an indication of a fee. The unfair practice needs to be stopped. Was promised a call back once there is clarification per the error on their part. I did not get one even paid my mortgage 30days ahead as I was instructed to do by the representative of the company yet nothing till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: First Advantage LNS Inc.
State: NJ

Complaint narrative:
On XXXX XXXX9 National Credit Audit added a derogatory mark on my credit report per XXXX. Upon further research, this account, this account was transferred/sold and I am no longer responsible for the account. Debtor 's credit did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt all. A bill without a signature does not validate the debt and anybody can send a bill and say it is my bill. According to the FCRA, National Credit Audit has violated my rights as a consumer and I'm requesting legal action to remove the account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-26 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: FL

Complaint narrative:
Experian is currently reporting an address on my credit report that is not mine. The address is also attached to a fraudulent XXXX account this is not mine as well which is currently hurting my credit negatively. I did not authorize Experian to publish the address on my report that I am not affiliated with.

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 2021-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name ICS Collection Service Inc partial account number XXXX in the amount of {$1100.00} with an open date of XX/XX/2018 and the original creditor is XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: KY

Complaint narrative:
I had been taking advantage of the forbearance program offered by my then mortgage company XXXX XXXX back XXXXXX/XX/XXXX. In XXXX XXXX I was notified that my mortgage was being sold to another company and well be serviced by ( Carrington mortgage services ). 
I contacted Carrington to setup my account information and to conclude the forbearance program offered. I person told my forbearance period would be ending XXXX and that I would need to filled out a " loan modification '' and send it back to them i did so XX/XX/XXXX. at the time the document showed an arrears of {$7900.00} this figure is end conflict with a mailed billed dated XX/XX/XXXX that states I owe {$8700.00} That person at carrington contacted me stating the documents didn't pass their companies quality control department. This also happened again on XX/XX/XXXX when I Resubmitted with new dated signed on them by the notary and me. On XX/XX/XXXX. This set back had caused a delay in the forbearance period ending. The final approved loan modification on XX/XX/XXXX. During the extended time involved in finalizing these documents. Carrington ( mailed me ) again extended for forbearance time to end XX/XX/XXXX. The final documents signed and dated were approved and submitted on XX/XX/XXXX. I believing that my 1st payment due on XX/XX/XXXX. XXXX made the payment online through carrington web portal but ; It showed that payment went towards the XXXX payment of my account. I contacted the same person at carrington and told me that the XXXX and XXXX payments would not be required. this statement is also in his email to me. I tried to log in to my carrington account online to make my XXXX payment only to see i'm locked out from making a payment. i contacted carrington and asked what i need to do. A different person told me that my forbearance ended XX/XX/XXXX and that i'm too far behind to use the online payment option. I explained I had a company letter head mail stating by forbearance end XX/XX/XXXX. That person said " they see no record of that in my file '' He also asked if I would email him a copy of the letter which i did XX/XX/XXXX. 
Carrington and it's agent had giving me and extended period of time to complete and return the required documents they needed. their agent told me and also in emails that I don't own for the months of XXXX and XX/XX/XXXX. 
I've repeatedly asked for copies of their documents from the quality control department that show the reason why they fail. this too was never replied to. 
They ( carrington and it's agents ) have refused to reply to multiple calls regarding this matter. even during conference calls with a 3rd party credit/debt resolution company. 
I want to make my payments and carrington and/or it's agents well not let me. 
The Final FHA load modification paperwork carrington submitted and approval for is wrong. It wasn't signed, submitted and approved until mid. XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Information on my credit report provided by Experian and XXXX that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.

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 2021-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Information on my credit report provided by XXXX and Transunion that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.

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 2021-09-26 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: LA

Complaint narrative:
Information on my credit report provided by XXXX and XXXX that states I have severe delinquent accounts which is NOT true is negatively affecting my ability to get credit. I have 100 % payment history!! This is beyond ridiculous and was a corporate account that was handled with XXXX in 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name Merchants Credit Guide partial account number XXXX in the amount of {$510.00} with an open date of XX/XX/2019 and the original creditor is XXXX XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: PA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unexplained information on my credit report. It is now going on 2 months since I sent this notice and I still haven't gotten a response from the agency. It seems my disputes are being disregarded so I am coming to you for assistance in this matter. In section 611 ( a ) it states that failure to investigate the dispute within 30 days gives cause to immediately remove the disputed items from my credit report. It is well past the allotted time period for them to respond so I am demanding that the erroneous accounts be deleted. In lieu of them being deleted immediately, I will be forced to seek litigation for the extreme inconveniences and stress caused by this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
I have never had a XXXX account. I sent several letters to the collection agency and the credit bureaus in order to verify this debt and to let them know I never had a XXXX account and nothing has been done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/XXXX i sent a hippa letter to experian credit Bureau on XX/XX/XXXX they sent me an notification on experian.com stating that they have updated the app but nothing was changed.. After that i followed up with another dispute that was sent out on XX/XX/XXXX stating that experian was reporting a Date of last activity as XX/XX/XXXX with a account status showing as closed and XXXX  was reporting a date of last activity as XX/XX/XXXX with a account status as open. And if all this information suppose to be coming from the same creditor how is the information thats being reported are all different. I received an email on XX/XX/XXXX stating that the information was updated but nothing was changed..On XX/XX/XXXX i Sent a dispute stating that the account was closed and put into collections on XX/XX/XXXX but the status of the collection has been reporting collection every month and according to the FCRA thats illegal and it alters the dola date

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 2021-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
I am XXXX had Bank of America account since XXXX and its my salaried account. I have added my husband XXXX as a joint holder to my account in XXXX after our marriage. Currently I have protection orders against my husband. He forged my signature and withdrew my cash and closed my account. The bank of ameracia discriminated me because of my nationality and my language and favors XXXX XXXX, by cancelling already issued cashiers checks to me on file and sending new cashiers check worth {$3400.00} to new po box address which is not on the file, without notifying me even after I rise the issue to the bank of my ongoing legal issues. Please find the attached copies of my forged signatures on the cashiers check. Also attached the police report of forgery. 
It is the banks responsibility to verify address to sent check and the sigunatures when I have raised the issues to the bank. 
Concerns : 1.If I am not authorize to encash with out my spouse, who can bank clear the check to XXXX without my presence while I have protection orders against him. 
2. When I notified the BOA issue that I have with my husband. How can they send the checks to the different address than the original address on the file. 
3. How can BOA released the funds without verifying my signature ( Loyal customer of BOA more than 12 years. ) 4.I am in the fear he might be forge my signature for illegal activities which I have to involve to face them.

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 2021-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I contacted the collection agency and the original creditor an informed them both that they have a collection account in my name that does not belong to me. It appears to be an collection account with a company name Merchants Credit Guide partial account number XXXX in the amount of {$340.00} with an open date of XX/XX/2020 and the original creditor is XXXX XXXX XXXX. I have requested signed documents or any contracts that would link me to these accounts in written and both the collection agency and original creditor has failed to provide the information requested and this is a breach against the HIPA Law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
SYNC Belk Duo Card : C/O XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Pulled my credit without my permission on XX/XX/2021. I did not request any information from them regarding a credit card. 

I will be contacting them, but need to let you know in case they are pulling credit from other people.

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 2021-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
To start I had chase and was never notified the mortgage was sold then after I had put a lot of money into the house I had asked to have pmi removed then I was forced to purchase insurance from them then I had fallen behind in the mortgage and was able to get caught up then again I fell behind and they refused to let me catch up they would return the payments eventually I was able to apply for a modification at that time I was advised to tell them I would need them to apply areas to the back of the loan as the payments where going to them on time they sent 1 payment back then requested I start new trial again they refused last payment for modification then offered a third modification attempt this time we sent US Postal with tracking numbers again they said they didn't receive a payment for XXXX and they did not call write email no attempt until XXXX then cashed XXXX 's check sent back XXXX XXXX, XXXX, XXXX XXXX check in XXXX cashed XXXX 's then sent a letter to foreclose after they were notified that the postal service had delivered payment also I notified them of having issues with covid continued payments on time they still charged penalties and fraudulent charges I had the taxes reduced by the township and state they raised the fees I am convinced that they purposely refused payments to foreclose only property also I was never offered any help with alternatives and they did not apply monies paid to the loan and they did not report I have been paying on Time the last year and a half and there is more they were shown proof of payment and won't accept responsibility for the lost or misplaced XXXX payment and now don't want to offer the modification I believe they played with time on calendar to coincide with state expiration of covide expiration thanks for your help 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 2021-09-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I XXXX XXXX, I am submitting this complaint myself and there is no third party involved. Pursuant to 15 USC 1681b ( 4 ) ( C ) ( 3 ) ; Information regarding inquiries " a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. '' As a Federally protected consumer under title 15, I demand Equifax remove of all inquires on my consumer file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I do not have my dates exact. Approximately two years ago I noticed a charge from XXXX. XXXX XXXX. I filed a dispute with Citi Cards and they followed up and reversed it in XXXX favor. Citi told me to call XXXX and resolve it with them. So I called they could not find an account, if I remember correctly because its been two years. However I have not owned a XXXX product in at least 15 years and I would not buy a XXXX product I have no use for them. Anyways in the end I ate the {$100.00} I asked Citi Card to change my account number so that it could not happen again just in case its a subscription. The following year it happens again I file a dispute. They went in favor of XXXX again. Lets just say it was a mistake the first time just for grins. You dont make the same mistake two years in a row it sounds like Citi made a mistake. But they are so big how do you fight them over a lousy XXXX dollars? I canceled my account closed it. As a consumer all I can say is we are powerless over these big companies what can I do?

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