vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
To Mr. Cooper Loan XXXX Complaint : Failure to adhere to U S Bankruptsy Court directives. Failure to provide the financial stability required by the bankruptsy Plan. Failure to apply funds according to Payor check directives. Failure to manage loan accounts in a responsible manner. Failure to distribute funds  accurately to Fannie Mae. Failure to manage suspense accounts in a responsible manner. Failure to make comprehensive corrections and adjustments when processing errors are present. Failure to follow Mr. Cooper issued account directives. Failure to follow the Fair Debt Collection Practices Act. 

The details to each of the above allegations are available upon request from the Payee when an Account Manager given the authority to process account changes is assigned to this loan case, and calls XXXX. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: WA

Complaint narrative:
I called XXXX XXXX XXXX in XXXX to set up an appointment for some XXXX  symptoms. I was then called back by XXXX nurse who told me I needed to go to the emergency room, despite my belief that I was experiencing XXXX  symptoms. Acting on her orders, I visited XXXX Emergency Room in XXXX. I was checked in, examined, had my XXXX symptoms confirmed. Later I received one $ XXXX bill and another {$800.00} bill. Upon review of my charges, I noticed my visit had been coded as a level 5 ER visit -- the highest level of complexity a visit can be afforded. This is the same level someone is coded as when they go to the ER having a XXXX XXXX, and is the reason the $ XXXX bill is so unreasonably high. 

XXXX has been unwilling to reevaluate the level 5 coding. A simple XXXX XXXX  and some XXXX XXXX   do not merit these exorbitant charges, and could have been performed by my primary care physician, out of the ER ( as I originally intended ). A XXXX XXXX  averages around {$250.00} per XXXX, and XXXX   XXXX should be comparable. 

Because the ER visit was at the direction of a XXXX nurse, and occurred during an XXXX XXXX, I believe I am being taken advantage of and extorted for funds that are unreasonably high.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Longbridge Financial, LLC
State: GA

Complaint narrative:
On XX/XX/20 I contacted Longbridge Financial about Reverse Mortgage and received same day email response with additional information and numerous reviews and ratings and assurance of their strict adherence to NRMLA Code of Ethics. Also received a detailed financial spreadsheet analysis to be used during counseling session ; a 6 page written quote. 

XX/XX/20 After numerous calls and emails we moved to signing of an application provided by DocuSign. 

XX/XX/20 sent email asking that the interest rate quoted in conversations, emails and financial proposal/quote ( XX/XX/20 ) be explained in detail. This email request was ignored ; the one and only time a question was ignored or left unanswered. 

XX/XX/20 Emailed XXXX XXXX to advise that appraisal was scheduled for XX/XX/20 and again reminded XXXX that my question regarding the interest rate had not been answered. He called and when I asked him the exact components making up the interest rate quoted verbally and in writing he indicated that it was made up of LIBOR, .50 % for insurance and the remaining component was the margin for Longbridge. When I asked the LIBOR rate used in the quote he said 1.3882. I responded that of the total quoted of 3.382 that left 1.50 for Longbridge margin. He seemed confused and said no, the margin was 1.75 because they lowered the origination fee from {$5200.00} to {$4800.00}.

After hearing this confusing and conflicting explanation I offered to review the written quote he provided and call him back ; I called back immediately with the quote and he agreed with the original interest rate but said someone in corporate had changed the rate a couple of days after he quoted me originally. He attempted to have me accept the higher rate by referring me to the amortization schedule he provided with the written quote. Since the interest would be thousands of dollars more over time, the {$400.00} reduction in origination fee was not an acceptable alternative. 

I explained that I was extremely disappointed and uncomfortable and that we needed to maintain the original numbers to move forward. He agreed and said he would contact the individual who changed the numbers, XXXX called back minutes later indicating the change and new interest rate would stand and either I agreed or the application would be canceled, the appraisal stopped, and while he agreed this was unfortunate, his hands were tied. I assured I would file complaints with all appropriate agencies.

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 2020-03-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I had my pay check garnished for the amount sent by the company and the courts. Now I am getting harassed pay more money after my garnishment was complete. And I have proof that it was complete. So I am emailing you per my advise of a Lawyer to file this complain, because now this company is pulling my credit report and I didn't give them permission to do so. Now I am looking to sue 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 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I got a telephone call and the person didn't speak English very well. He said he was with the Chase Credit card company and was calling to tell me that he was lowering my interest rates. 

I don't have a chase credit card and right away suspected it to be a scam. 

The man asked me to verify the expiration date of mt credit card and then the number. I said Sure I can, but first can you please verify the name you have on file for me that is issued on my credit card. The called hung up. 

the number he called from is XXXX Chase doesn't have any branches in Montana and the phone number is Montana area code. I thought I better report it to save someone from giving that info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2020-03-25 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: NY

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: NY

Complaint narrative:
Not my information reporting

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 2020-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent Transunion and XXXX  several letters reporting the unauthorized inquiries made in my report. The proper legal procedures have been taken with the letters for the Reporting companies to delete the innacurate reporting without any success. 

The following inquiries have been made without my authorization or consent. 

Tranunion : 1. XXXX XX/XX/XXXX 2. XXXX  XXXX  XXXX XX/XX/XXXX 3.  XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX XXXX : 1. XXXX XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX - XXXX   XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX XXXX XXXX   XX/XX/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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: NC

Complaint narrative:
Mortgage company lost our closing bulk check from county tax office. 

Closed on our home on XX/XX/XXXX with previous taxes paid by previous owner Loan was accepted by Amerihome mortgage company the same month. In XX/XX/XXXX Amerihome attempted to pay annual taxes to XXXX, NC {$3500.00}. On XXXX XX/XX/XXXX XXXX county sent bulk check # XXXX to accounting to return to Amerihome because they attempted to overpay XXXX taxes. Check was confirmed sent on XX/XX/XXXX. We called Amerihome XX/XX/XXXX and XX/XX/XXXX to initiate an inquiry. We were told to call back in 5 business days. Followed up with a call on XX/XX/XXXX and found out no inquiry had been opened. Amerihome then open an inquiry and asked to be given until XX/XX/XXXX. Attempted to call today with no response, and no virtual support on website. Also no changes to our account. Recieved first mortgage bill which is now incorrect because escrow in short XXXX because of the lost/misapplied bulk check.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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:
I believe I have been the victim of identity theft and someone has used my information illegally without my permission or knowledge. Please help me this has really taken a toll on my family and now we can not buy a home because they destroyed my credit.

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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
In XX/XX/XXXX I refinanced my home, the mortgage was sold immediately to Amerihome Mortgage. I received a letter in XX/XX/XXXX from Amerihome stating that I did not have home owners insurance on my property, and they were going to start applying forced insurance to my mortgage if I did not supply them with insurance for my property. I called them immediately and let them know that XXXX, XXXX Home insurance, was my Home owners insurance since I purchased the home in XX/XX/XXXX. They told me that they knew that XXXX was the insurance company on the home but they needed a new Declaration page. So I called XXXX/XXXX  the same day and they sent the Declaration page to Amerihome. I received another letter from Amerihome dated XX/XX/XXXX, that said this was my second and final notice that they were going to start charging me since I did not have insurance. I also received a letter from XXXX saying they had canceled my insurance because Amerihome did not pay them the premium from my escrow account. So I called XXXX/XXXX and they explained to me it had not been paid so I paid them the {$470.00} with my credit card. I called Amerihome again they told me that they had received the information from XXXX but it did not list them as the lien holder, I asked if I had XXXX send them the updated Declaration page would they refund my {$470.00} and they said yes. I called XXXX, and they sent the corrected Declaration page to Amerihome. I called Amerihome to make sure they received it and they said yes, I asked when I would receive my refund and they said a week to 10 days. I waited and never received the refund. I called Amerihome 2 days ago to see what the problem was, I spoke with a customer service agent and explained my problem, she put me on hold for 43 minutes and then hung up on me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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:
I believe I have been the victim of identity theft and someone has used my information illegally without my permission or knowledge. Please help me this has really taken a toll on my family and now we can not buy a home because they destroyed my credit.

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 2020-03-25 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: Block, Inc.
State: VA

Complaint narrative:
My cash app account withdrew XXXX dollars from my bank card to someone else cash app card without my permission I have reached out to them several times and they keep saying that its my banks fault which my bank says because it was taken out from a card that was liknked to my cash app account I need to talk to cash app.i sent them a copy of the transaction and the number of the card it was sent to they still refuse to investigate this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: CA

Complaint narrative:
I AM A VICTIM OF AN IDENTITY THEFT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. SOMEONE STOLE MY PERSONAL INFORMATION AND MADE SOME FRAUDULENT CHARGES. NOW I AM VICTIM, AND I AM BEING PENALIZED FOR SOMEONE ELSES CHARGES. NOW I DON'T KNOW HOW THE THIEF GOT MY INFORMATION OR WHERE HE MADE THE CHARGES, BUT I SHOULD NOT BE PENALIZED, HOW IS THIS FAIR TO ME. I HAVE GONE TO THE POLICE, I HAVE GONE TO THE FAIR TRADE COMMISSION OFFICE, NET I WOULD LIKE TO INFOMR THE WHITE HOUSE BUT I BELIEVE THEY HAVE BIGGER ISSUES RIGHT NOW. BUT THIS IS MY ISSUE AND ITS VERY IMPORTANT TO ME. I NEED THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is CREDENCE RESOURCE MANAGEMENT LLC XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDENCE RESOURCE MANAGEMENT LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDENCE RESOURCE MANAGEMENT LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation CREDENCE RESOURCE MANAGEMENT LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDENCE RESOURCE MANAGEMENT LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. CREDENCE RESOURCE MANAGEMENT LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 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: FL

Complaint narrative:
I have sent XXXX  and Equifax several letters reporting the unauthorized inquiries made in my report. The proper legal procedures have been taken with the letters for the Reporting companies to delete the innacurate reporting without any success. 

The following inquiries have been made without my authorization or consent. 

XXXX : 1. XXXX XX/XX/XXXX 2. XXXX XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX Equifax : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX - XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was given a charge card by XXXX Visa Comenity Bank in XX/XX/XXXX. 

My payments were always on time. 

I had a credit limit of {$2500.00}. My balance was {$95.00} when I received a letter from Comenity dated XX/XX/XXXX saying that I was able to use my card until XX/XX/XXXX and at that time my card would be closed. The letter stated that other accounts including my own would close on XX/XX/XXXX. 

I only had my credit card for approximately six months when Comenity closed my account. 

I feel that Comenity was unjustified in closing my credit card. I feel I should not have been charged the high interest rate from 19.24 % to 18.49 % once the card was closed.

Had I have known that Comenity would have only allowed me to use my card for six months I would have gone with another credit card company.

The hard inquiry when I filled the Comenity credit card application resulted in a negative affect on my credit score. In addition, my credit score was further negatively affected once Comenity closed my account all through no fault of my own. Furthermore, since I had no credit card once Comenity closed my account, I had to apply for another credit card and again this hard inquiry once more affected my credit score.

This action on behalf of Comenity was unfair to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a federal student loan and there is supposed to be a zero percent interest rate effective XX/XX/XXXX. However, my monthly payment on their website is still reflecting an interest rate factored into the principal. I have been holding off on making the full monthly payment waiting on Navient to reflect the correct amount. I am relying on this zero percent interest because my income went down due to COVID-19. The lack of their compliance with the new federal regulation will set me up for default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MORTGAGE SOLUTIONS OF COLORADO
State: CO

Complaint narrative:
We are attempting to fix our house from storm damage. The mortgage company Mortgage Solutions of Colorado took our insurance check and it has been increasingly difficult to get payment from them to pay our contractors. I recently submitted the required paperwork for payment to our painter, had the inspection and then i received an email stating " Your loan has been service transferred, our company is no longer assisting with claim. You will have to contact new servicing company : XXXX XXXX XXXX, XXXX XXXX Thank you, Loss Draft Department '' I called this number and can not get in touch with a human. I tried contacting this " new company '' ( XXXX  XXXX XXXX XXXX ) via other numbers I found on the internet and have been unsuccessful at contacting anyone who can assist me with any type of helpful information. I received a letter from the mortgage company Mortgage Solutions of Colorado ( our original company ) stating that the only change with the company is to mail our payment to Texas instead of Illinois. This is a very inappropriate business practices, I want to know where my insurance money is and how to access it. My house was painted in XX/XX/XXXX and it is now the end of XX/XX/XXXX I need to get the painter paid. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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:
Someone seems to be using my personal information and this is identity fraud. I have several accounts on my credit that I never have had or used. They go by XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX XXXX. I have never done business with these companies. Please 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 explanation