vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I am selling my house. I applied for assistance under the HAMP Govt assistance program. Nationstar ( d/b/a ) Mr. Cooper accepted my application through NACA. One of the companies hired by the Govt to  calculate the numbers and provide details of the program. Mr. Cooper transferred {$260000.00} from XXXX XXXX XXXX which was the unpaid principal balance of the account. I was less than {$18000.00} in arrears at the time. Mr. Cooper recorded {$280000.00}. I assumed without explanation this was the amount in arrears. They then added another {$18000.00} to my account. which is now {$290000.00}. they then added {$100000.00} to the account. I brought this to the attention of the coordinator, she said that the {$100000.00} was because I had a bankruptcy filing and that was a Lender Paid Expense. I tried to explain that I have never had a Bankruptcy filing in my life. She said that if there an error in reporting it would be corrected and I should sign the agreement as this project had a deadline. so I signed it. under the guidelines of the HAMP program the {$100000.00} should have been subtracted from the transferred amount of {$260000.00} and the difference of {$150000.00} should have been the amount that my payments were based on. they did not subtract it but added to the current UPB of {$260000.00} as payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: NJ

Complaint narrative:
I have been locked out of my online retirement accounts with XXXX XXXX. I called to get an access code, was put on hold a very long time and then told to answer a lot of information that was irrelevant to me. First I was asked about cars I may have rented at any point in any number of decades. I travel often and it is absurd to expect me to remember what cars I may have rented for 10, 20. 30 or  so years. Next I was asked about " my brother, XXXX XXXX '' who, I was told, was showing up on my credit report. Nothing like this should be on my credit report. To protect my own credit report and privacy, I should not be required to comment, confirm or deny, anything about any alleged brother ; if such a brother existed, neither should I even be asked about him, to protect his own privacy, credit report, etc., if I had a brother with this name. I argued with XXXX XXXX about the crapp it requires people to answer in order to allow them to get into their own accounts. They ignored me. Eventually, I hung up. 

The CFPB needs to get serious about protecting people 's privacy, instead of violating it for reasons such as this. 

It also needs to sanction XXXX XXXX for locking me out of my account because I don't know what garbage it wants to cram down my throat on any particular occasion. Why are consumers bearing the bulk of business risks for the likes of XXXX XXXX and others?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF EDXXXX XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}

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 2020-04-15 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

US DEPT OF EDXXXX XXXX {$930.00} XXXX XXXX {$3800.00} XXXX  XXXX {$470.00} XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX {$290.00} XXXX XXXX {$4000.00} XXXX  XXXX {$270.00} XXXX  XXXX {$2300.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$750.00}

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 2020-04-15 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: AR

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

EDFINANCIAL XXXX {$2000.00} XXXX  XXXX XXXX {$480.00} XXXX  XXXX {$300.00} XXXX XXXX XXXX {$18.00} XXXX XXXX XXXX XXXX {$670.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} XXXX  XXXX {$840.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: NJ

Complaint narrative:
I enrolled in Forbearance plan with the loan servicer below, and they reported it to credit agency as account under Forbearance. They denied me credit, so I couldnt close on my house. I need help to get this removed. 

https : //www.myloancare.com/pub/index.html # /Login? ReturnUrl= % 2f & AspxAutoDetectCookieSupport=1

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 2020-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I took out a @ {$9700.00} student loan for my wife 's education in XXXX. In XXXX I entered into chapter XXXX. Navient, the private student loan servicer, did not respond to the bankruptcy courts request for debtors. Having not responded, Navient was not included in the repayment ( 100 % ). In XXXX I cleared bankruptcy. In the Spring of XXXX, my wife called Navient to start making payments and ensure I was removed from the loan. At that time, she was under the assumption she was the primary on the loan and did see a Navient student loan on her credit report at that time. She then began making payments. Those payments still showed on my credit report so it appeared all was well. In XX/XX/XXXX, I recieved a notice from Navient saying I was in default, and had not made a payment since XXXX. They also said the loan amount was over {$20000.00} at that time and I was the only person listed on the loan as the student. 
I asked for paperwork to prove the amount and that I was financially responsible and copies of the " notes about bankruptcy '' which the CSR told me existed. They did not send ANY paperwork until XXXX after me repeatedly requesting every piece of paper. In XXXX, I recieved only a copy of the original @ {$9700.00} loan and nothing further. I have since requested the remainder of the Information to no avail. I am NOT going to just pay {$24000.00} without proof of responsibility. Furthermore, I was not given any payment options in XX/XX/XXXX other than pay the balance. I need this documentation to see how to proceed. They have listed this debt as a charge off even though I told them I was in fact considered permanently XXXX back in XXXX as well as a Veteran. 
I read the CFPB complaint against Navient and many parts of my case sound similar. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i have several accounts that the credit bureaus have not properly investigated. for example, there is an account that shows under my name ( XXXX XXXX ), however, this does not belong to me as the address that appears on their account is an address that i have never lived at. since this is reporting incorrectly, i believe the other negative remarks that are reporting are incorrect as well. since they have failed to properly investigate this, how am i to know that the other accounts are reporting accurate? all three credit bureaus have failed to properly investigate what i've been asking from them since XXXX of last year!

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 2020-04-15 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XX/XX/XXXX I requested a new balance transfer with a new credit card. I requested a certain amount and received an email confirmation. XX/XX/2020 I went online and discovered a second balance transfer was submitted for exactly the amount that would max out the credit line. when I spoke to hsbc bank, they claimed 1, it was a bank error. then they claimed it was my error. then they claimed it was fraud. The original balance transfer had all my bank info that they could tell me and then the unauthorized charge was blank with no information. Six reps could not assist me. This is clearly internal fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
See the letter sent to the mortgage company attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My Chase credit card was replaced in XXXX due to suspected fraud, I received a new card and it has been working fine. A Chase employee provided a theft ring with the details of my cancelled credit and temporarily authorised access to my closed account and reactivated the card to allow the purchase of an XXXX  at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas. Use of my replacement credit card and store surveillance shows that the purchase was not made from me and I was in XXXX at the time. 

Chase cooperate security is aware of this theft by one of its employees and the charge has not been removed from my account. The XXXX of XX/XX/XXXX charge was placed on my new card account the XXXX of XXXX and I have made over 20 phonecalls to Chase and spent over 40 hours of my time trying to get this {$700.00} account debit removed. 

The police report from XXXX XXXX, Texas is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The Bankruptcy isn't mine. Please remove it among the other 2 accounts. 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
Consumer complaint received 2020-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Judgement Recovery, Inc.
State: MD

Complaint narrative:
I have been contacted by Nationwide Judgement Recovery XXXX to recover alleged debt due as result of class action lawsuit filed against XXXX XXXX. I was somehow named in the Class Action Lawsuit but have not paid or receive any money with XXXX. The only plausible scenario that I can think of is that my identify was stolen and somehow I was signed up for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
The Bankruptcy isn't mine. Please remove it among the other 2 accounts. 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
Consumer complaint received 2020-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I am currently in a furlough due to Covid-19, and while Federally owned loans are furloughed interest free by the Cares Act, Navient refuses to do the same because the Cares Act didn't say they had to. What this means is someone like me who has loans both federally owned and Navient owned, I have to recertify my Income repayment plan for half my loans now and still pay accrue interest on a XXXX payment as I am unemployed due to the coronavirus and do not know when I will be going back. It seems backwards if not outright hurtful to borrowers to make them go through channels to get payments put off when they insist on collecting during this national disaster.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am disputing a charge and the details are outlined below. Charge was made XX/XX/XXXX on my Chase Amazon Credit Card with a post date of XX/XX/XXXX - On XX/XX/XXXX, I purchased a XXXX XXXX XXXX  from XXXX XXXX  through Amazon. The Amazon order number is XXXX. Cost with tax was {$1100.00}. On XX/XX/XXXX, I received notification from Amazon ( not  XXXX or XXXX XXXX ) that there was a problem with the XXXX  and it was being recalled. This is the link - XXXX XXXX XXXXXXXX I called XXXX and they told me not to use the XXXX  as it was a fire hazard. I asked where it could be repaired and they told me the parts were not available and did not know timing as to when available. I called and wrote to XXXX XXXX asking about a return. They told me I was past the time on their return policy. I have notified Amazon and not sure of the status. I have also filed a dispute with my Chase Amazon Card but so far not much response on that. I have found on the internet that XXXX of these units have been recalled in total ( XXXX last year ). I believe there is also a class action lawsuit against XXXX. This complaint is against XXXX XXXX ( possibly XXXX ) as XXXX XXXX sold me a generator that had problems and still has problems and is dangerous and can not be fixed at this time. XXXX XXXX nor XXXX have notified me about the recall even though I purchased the generator from XXXX XXXX and registered it with XXXX. I only leaned about the issues through Amazon.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Sent a certified letter on XX/XX/20 for a account that is not mine. I asked that they send me original documentation binding me to this debt but have not got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I enrolled in Forbearance plan with the loan servicer below, and they reported it to credit agency as account under Forbearance. They denied me credit, so I couldnt close on my house. I need help to get this removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX & 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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i have several accounts that the credit bureaus have not properly investigated. for example, there is an account that shows under my name ( XXXX XXXX  ), however, this does not belong to me as the address that appears on their account is an address that i have never lived at. since this is reporting incorrectly, i believe the other negative remarks that are reporting are incorrect as well. since they have failed to properly investigate this, how am i to know that the other accounts are reporting accurate? all three credit bureaus have failed to properly investigate what i've been asking from them since XXXX of last year!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have several accounts that the credit bureaus have not properly investigated. for example, there is an account that shows under my name ( XXXX XXXX ), however, this does not belong to me as the address that appears on their account is an address that i have never lived at. since this is reporting incorrectly, i believe the other negative remarks that are reporting are incorrect as well. since they have failed to properly investigate this, how am i to know that the other accounts are reporting accurate? all three credit bureaus have failed to properly investigate what i've been asking from them since XXXX of last year!

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 2020-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I am trying to buy a house and Equifax has negative info on my Credit Score that should not be there. I have called Equifax 3 times and all 3 times I have been told via an automated system I can not talk to a customer service rep. I called a 4th time somehow i got a customer service rep. and After I verified My ID i was told I cant be helped because I answered something wrong on their automated system. First of all their automated system is terrible barely audible and the security questions had nothing to do with me. I have tried to access my acct on line and requested reset emails approx 20 times including to 2 different emails. This business is impossible to contact via phone, email or a live person. Equifax is the only credit agency doing this to me. The Cares act due to covid 19 suspends all payments and interest to federal student loans until XX/XX/2020. I have have several pieces of correspondence from my student loan provider XXXX stating this. But Equifax keeps showing interest and missed payments and increase in balance which in not correct. this is lowering my credit score weekly and I cant contact these Morons to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15 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: Thunderbird Collection Specialists, Inc.
State: CA

Complaint narrative:
Thunderbird Collections used aggressive scare tactics and refused to acknowledge the marital settlement agreement that SPECIFICALLY stipulates that I am indemnified from my ex- husbands medical bill. They provided NO documentation, and did not try to get the money from him. 

They were rude, aggressive and used bully tactics -- I have added to my XXXX  file a copy of the marital settlement agreement that stipulate this. 


Company Thunderbird Collection Specialists Address : XXXX XXXX XXXX XXXX Date of separation XX/XX/2014

Company response to consumer: Closed with explanation