vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I did a refinance with my current mortgage company. I chose to take out additional funds to pay off credit card debt that I am struggling with. Everything went fine, I received the checks to send to my credit card companies, and then one check to me. A couple days later, after having sent out and cashed the checks, the mortgage company came back to me and said they made a mistake and sent me too much money. They admit the mistake was their fault, and in the refi process I had seen my closer make multiple clerical errors. They want me to mail them a check for their error, its around {$1400.00}. But the money has been sent to my credit card companies. Now Im being put into undue financial burden to fund the cash to come up with the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
The company was very misleading with advertisement and i felt pressured to sign up. As if i was going to miss out on a learning opportunity. They promised endless career opportunities in the medical field and ended up closing for good in 2018 with dozens of lawsuits. I know have a degree that is absolutely useless and debt to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SLM CORPORATION
State: MD

Complaint narrative:
I am a co-signer on my son student loans. He is serving in the XXXX XXXX right now and have been for the lats 6 years and attending school. his loans are in deferment Sallie Mae keep sending notices anyway since covid and sending them to our credit report with the loan in deferment. I have contacted them, and they have yet to correct this. 
please help my credit score is taking deep down which will hinder my job. 
Report Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX, I disputed information on my credit report. I ask the 3 credit reporting agencies to verify information on my report to insure that it was accurate.

They later confirmed that the information submitted was validated, 100 % correct.

When submitting information to more than 1 credit agency, all information must match. 

I have attached documentation of the information. You will see that it differs.

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 2022-02-17 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: TX

Complaint narrative:
On XX/XX/XXXX XXXX, I disputed information on my credit report. I ask the 3 credit reporting agencies to verify information on my report to insure that it was accurate.

They later confirmed that the information submitted was validated, 100 % correct.

When submitting information to more than 1 credit agency, all information must match. 

I have attached documentation of the information. You will see that it differs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX {$0.00} XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the XXXX period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

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 2022-02-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Affirm Holdings, Inc
State: OH

Complaint narrative:
XXXX XXXX I was contacted by Affirm regarding a manual withdrawal. The manual withdrawal was supposedly processed on XX/XX/2022. I expected the return 1-5 days after the manual withdrawal was processed. I have proof regarding the unknown banking error and the failed return to my account. They contacted me now theyre trying to indispose of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have requested that the bureau to send me the creditor information they have received. I have also requested for a verification of method and have not received the information. Section 609 states I have a right to ask for information that was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selene Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX received a collection letter dated XX/XX/XXXX identifying XXXX as a debt collector for a mortgage XXXX said was owed in the sum of {$150000.00} by XXXX XXXX XXXX. On XX/XX/XXXX a response to that letter was sent by fax and priority mail to XXXX. 

On XX/XX/XXXX a letter was sent by XXXX XXXX XXXX to XXXX disputing that XXXX XXXX XXXX owed XXXX any mortgage under the FDCPA Act. That letter was sent by priority mail and received by XXXX. 

On XX/XX/XXXX a Request for information letter was sent to XXXX by priority mail, which was received by XXXX. 

On XX/XX/XXXX a letter was sent to XXXX advising them that there reference to the actual loan holder in that letter was in conflict with the language in its letter stating that a loan was owed by XXXX XXXX XXXX. That letter was sent by mail and fax. 

On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter to XXXX XXXX XXXX dated XX/XX/XXXX about his loan, but referenced the actual loan holder, address of the loan mortgagor, and loan number. That XXXX XXXX XXXX did not owe the loan as per reference. 

On XX/XX/XXXX a fax was sent advising XXXX that they sent a letter dated XX/XX/XXXX about his loan, but reference the actual loan holder, the address of the property, and loan number. That letter questioned any due diligence by any agent of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Delev & Associates, LLC
State: OH

Complaint narrative:
DELEV & ASSOCIATES , LLC violated my federally protected consumer rights. 

PER 15 U.S. Code 1692e states that the false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 

I have been receiving letters and phone calls from DELEV & ASSOCIATES , LLC in reference to a " DEBT '' from the University XXXX XXXX. Every time this company contacts me, I am distressed believing that I am going to have to go to court or even my wages garnished. This company has TAKEN my STATE OF OHIO tax refund for MUTLIPLE years to apply to this said " debt ''. 

The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 

The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title. 

Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Collection Corporation
State: WI

Complaint narrative:
The company was notified to remove the debt because the doctor billing department did not code the bill correctly. The collection agency refused the request and stated it would not be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: AG AH LLC
State: TX

Complaint narrative:
I started a process with this company to buy my dream home, after being pre approval I got the house and I followed and send all the documentation they requested. I was approved, they took so long to approved me even after I sent everything they need. We got the house, the appraisal and everything, then decided to do a new appraisal of the house and they said it was less the worth of the house, they wanted me to pay more which I couldnt because we had a deal before with closing and downpayment amount. They continue messing with my case that the seller decided to terminated my contract y after 4 times trying to get closing papers from this company. I decided not continue with their game and we terminated because of this situation I lost my XXXX money and the appraisal fee I had to pay because they requested and then they XXXX a new one. Its being traumatic and humiliated trying to work with this company my realtor and I trying to contact with them and never answer their emails or phone with someone who was willing to help. They didnt care about the situation, after I decided to terminated they continue sending new quotes. I am pregnant and I was happy to buy this house I have everything they requested and the money they told me to pay but then they change everything. Its been stressful for me and my family which we were ready to move and still hurt they didnt care about nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had to file a Home Owners claim for Hail Damage, the Insurance company as issued a check in the amount of 25,000.00, which I brought to my Branch in XXXX Tx on Tuesday XX/XX/XXXX, the branch told me to bring the check in to be endorsed and deposited, when I arrived at the branch they then told me that I had to mail the check in, I followed all instructions as provided, I was told once check waqs received it would take 3 day to cleared, once erwork was received a portion of the money would be released, check was received on XX/XX/XXXX and cleared XX/XX/XXXX / XXXX ..I have called everyday about this portion of money and when it would be released, every time I call I get a different answer from the wells fargo representative I find this to be a Regulatory violation because the information I have been receiving has been incorrect and FALSE and as of Today XX/XX/XXXX the 1st portion of the Money has yet to be released. 
I have spoken to 3 representatives today ( on Wells Fargo Recorded lines ) alone XXXX XXXX XXXX / XXXX XXXX XXXX and XXXX @ XXXX then a supervisor which all had different info regarding my Money. 
I would like a straight answer why my money is being held up or I will be contacting a Lawyer!

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 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial ( Americredit ) approved me for an auto loan through a dealership and I traded in my other vehicle, signed and drove home with my new ( used ) vehicle. Before signing all the paperwork, they had me submit drivers license, property bill, insurance, last 2 paystubs. About 2 days after buying the new vehicle, I started getting harassing phone calls from a number in Arizona, telling me they were trying to contact my company and verify employment. This feels like it was not an issue for me, so I simply told them to call the number for our HR that is on the paystub and they can verify like everyone else. They didn't like that it's during COVID and that nobody is in the offices, so they continued to harass me with other requests, including asking for company private information that could end up with my termination for disclosing " private '' information. They then claimed that they reached someone in HR, but the person who verifies employment isn't in the office and they don't know when they'd be back. Instead of waiting, or taking my paystubs and tax records as proof of employment, they demanded 2 new paystubs and 3 months of bank records that showed the deposits coming in. Once I provided those, that was no longer " good enough '' for them and now they are insisting on a conference call with XXXX XXXX ( waisting even more of my time ) to verify the deposits were actually made? This seems incredibly strange since it's almost impossible to fake something like this, but also since I've already been approved and finalized all my paperwork. I don't know of a solution, but this is like nothing I have ever seen, heard of or experienced in my entire life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 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: GA

Complaint narrative:
CHILD IS NOT A REVOLVING OR AN INSTALLMENT DEBT. CHILD SUPPORT DOES NOT ISSUE CREDIT CARDS OR LINES OF CREDIT, THEREFORE IT CAN NOT BE A REVOLVING DEBT. CHILD SUPPORT HAS NEVER GIVEN ME A LOAN. CHILD SUPPORT IS NOT AN INSTALLMENT DEBT. CHILD SUPPORT HAS NEVER ISSUED TO ME ANY CREDIT, THEREFORE HOW CAN THE DIVISION OF FAMILY SERVICES HAVE A LIEN ON MY SOCIAL SECURITY NUMBER. MY CHILD 'S MOTHER HAS NEVER AGREE TO HAVE ME IN BONDAGE TO THE DIVISION OF FAMILY SERVICES. THIS IS UNLAWFUL AND IS TOTALLY AGAINST THE XXXX XXXX XXXX. I ASK SOMTHING BE DONE ABOUT THIS.

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 2022-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I made XXXX payments to Shellpoint Mortgage. The first payment was made in the beginning of XXXX of {$400.00}. The second payment was made on XX/XX/XXXX through bill pay from my bank. The payment amount for the XXXX payment was {$630.00}. I was charged a late payment. The representative XXXX explained to me, the company does have a biweekly. The biweekly payments are only on certain days. Which is unacceptable!! The representative had to correct my payment, but the couldn't change the late payment. The payment was made within the grace period.

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 2022-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: MO

Complaint narrative:
Mid XXXX I received a Collection letter from IC Sytems stating I owe {$41.00} to XXXX XXXX which is False and fully disputed. Upon receiving letter I called IC SYSTEMS to verify the information and to let them know I would be disputing the said debt. The collector verified the XXXX number I was calling in from and Identified as my cell phone and requested Cease and desisted all call to my cellphone. 
I sent in written my dispute and requested all itemised statements, contracts and validity of this debt. 

First week in XXXX I received some fraudulent typed letter ( see attached ) Saying I owe with no detailed explanation, contracts. Payments, receipts and statement to pay.

Per REGULATION F this is a violation of a valid debt. There is no leagal documentation or binding contract from original creditor.

SECOND. I started receiving numerous calls to my CELLPHONE, from multiple numbers. They would hang up on me. A representative finally answered and IDENTIFIED IC SYSTEMS AND A DEBT.

I advised that I requested a cease and desist from my cell phone and I was transferred a coulple times where I was told I need to put NO CALLS TO MY CELL PHONE IN WRITING WHICH IS A BLATANT LIE!! This is harassment for a debt that is not valid.

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 2022-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: VW Credit
State: CA

Complaint narrative:
The incident took place around XXXX of XXXX. I had 2 successful previous loans with this company VW Credit. This was my third loan on a XXXX car. I had been paying on this 4.5 years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX was hit hard by Covid-19. I had to apply for state assistance. I looked for other jobs, but only found very part time work at the time. I was making payments each month, but fell behind. I had made a partial payment to them 2 weeks only prior to the incident. I was given no letter, no notice, no correspondence that they were going to do this. 2 days later, a very kind friend lent me the money {$1100.00} to get the car back. The amount was for added fees and interest. I did so, and turned around and traded the car in for another one with a different lending company. I would not continue to do business with a company such as this. Oh yes, and the repossession letter from them came finally, 2 months later! I have a witness to that. Shame on VW Credit! Treating a former, good, loyal customer like this! Not even working with me on a solution to this. Doing this during Covid-19 when possible protections were in place to help protect against this. They displayed unethical and unfair business practices during a global pandemic crisis of epic proportions. They should be fined and reported for this! They also reported the repossession on my credit and refuse to remove it. It will not come off until 7 years from now. I have been scarred financially, ethically, and emotionally from this terrible event.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
XXXX at around XXXX or XXXX ( idk how my phone lists calls -- the time may show the beginning or end of the call ) I called & tried to pay my XXXX payment with XXXX different checking accounts to total my usual {$1300.00}. I spoke with a XXXX XXXXXXXX XXXX female who processed a {$1300.00} payment from XXXX of my accounts but then told me her system was glitching and showing the XXXX payment would come from the same account as the XXXX payment if she continued the transaction. The rep recommended I try to pay the next day via the website. I tried paying the next day but the website would only allow me to pay the full {$1300.00} mortgage payment. I called Flagstar as soon as I got the chance & asked for a supervisor/ someone in charge of adjusting payments after having been told by the rep that the whole {$1300.00} payment would only be applied as of the next day from that day ( the XXXX ) -- after the XXXX {$1300.00} was reversed. The supervisor ( XXXX XXXX ) XXXX at 1st repeated what the rep had said ; I advised XXXX that I would be contacting the FTC because it was not my fault her 1st agent could not process XXXX payments XX/XX/XXXX ; nor was it my fault their website would not allow me to. XXXX ended up saying she would make sure the whole {$1300.00} payment was applied as of XX/XX/XXXX rather than XXXX. Flagstar never adjusted my payment to reflect having been paid on XXXX. This transaction ended up costing me not only the XXXX days of interest more than what I would have paid ( & over XXXX hours of my time so far ), but increases the interest I pay going forward ( based off per diem & increased principal ). This is an unfair business practice that needs remedied. 
Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation