vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/20 paid XX/XX/20 statement of {$390.00} ( total remaining balance on account ) in full which was cashed by Mr. Cooper XX/XX/20 XX/XX/20 received XX/XX/20 statement of {$2500.00} including a late fee of {$100.00} XX/XX/20 tried to send several messages through Mr. Cooper website which would not go through. 
XX/XX/20 received check from Mr. Cooper for {$390.00} with no explanation, nothing. 
XX/XX/20 promptly returned Mr. Cooper check of {$390.00} to Mr. Cooper and asked for an explanation of what was going on with statements, payments, late charges, etc. 
XX/XX/20 finally got a response from Mr. Cooper, {$390.00} payment wasnt the full amount owed HOW WAS I TO KNOW?????? They will send a payoff statement. 
WHAT A SCAM HOW CAN SOMEONE PAY SOMETHING THEY DONT KNOW THEY OWE?? 
HOW CAN SOMEONE BE CHARGED A LATE FEE FOR A BILL THEYVE NOT RECEIVED?? THIS SOUNDS TOTALLY FISHY TO ME. 
XX/XX/20 received payoff quote from Mr. Cooper, which included the {$390.00} amount ( less {$.00} ) already paid and the {$100.00} late fee THIS IS NOT CORRECT NOR IS IT RIGHT HOW DOES A COMPANY EXPLAIN CHARGING YOU TWICE AND THEN CUTTING YOU A CHECK FOR YOUR PAYMENT SO THEY CAN CHARGE A LATE FEE??? 
XX/XX/20 received letter that loan is now in default. 
XX/XX/20 sent wire transfer per mr. cooper instructions for full amount of quote. See attached XX/XX/20 received NEW quote dated XX/XX/20 and good until XX/XX/20 ( the date I received ) with an additional late fee. See attached. 
Sure sounds like a scam to me delay correspondence and continue to add on charges. Sounds like Im back to where I started in XXXX have paid the {$390.00} twice and now owe over {$200.00}. In late fees. And that doesnt even count the credit implications. This is CRIMINAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a credit investigation request over 30 days ago, but I have not gotten a response yet. The FCRA states that credit bureaus are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 never opened an account with this company I dont even own this company the name XXXX XXXX, I lived in XXXX  NY and this business is in XXXX I dont even have a clue who is this. I even reached out to the company letting them know I have known ideas who is this but they keep sending me bills and even have it on my credit report the name of this company is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 — Investigation took more than 30 days
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have filed complaints with all three credit Bureau 's and the investigation took over 30 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
I just reviewed my credit report and saw accounts linked to my identity theft case still reporting on my file.

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 2020-04-24 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: TX

Complaint narrative:
I just reviewed my credit report and saw accounts linked to my identity theft case still reporting on my file.

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 2020-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I really need your help urgently. In the nutshell, my current mortgage is with XXXX ( known also as LoanCare, going forward I will go by name XXXX ) and my monthly mortgage payment is extremely high. With XXXX XXXX  it became very difficult to pay for the mortgage. I have secured a refinance commitment from XXXX XXXX XXXX and they are willing to refinance my loan and reduce mortgage payment significantly. They have reached out to XXXX and asked to send XXXX documents ( collateral file ). XXXX has told the bank that they will send the documents out in 3 months which is astonishing. XXXX XXXX XXXX has locked the rate and they need to close in two weeks. XXXX does not want to cooperate and they hold me hostage with my loan. I will not be able to pay higher mortgage payment for the next three months. I have reached out to XXXX and asked for help, but their customer service rep stated that they are helping other customers and will not send any paperwork within 3 months. I am hopeless and speechless. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX See attatched Credit Reported by XXXX OPENED XX/XX/XXXX Account XXXX IS A FRAUDLENT ACCOUNT # This see attatched 1099- C Bankrupcy Debt Discharged XX/XX/XXXX WAS ACCOUNT OPENED XX/XX/XXXX XXXX DEBTOR NOT LIABLE. XXXX CHANGED THE ACCOUNT NUMBER AND SOLD AS DELIQUENT ACCOUNT. XXXX OPENED ACCOUNTS I DID NOT AUTHORIZE OR APPLY FOR 1 ) MC end XXXX now deliquent 2 ) Visa XXXX ID THEFT case XXXX 3 ) card end XXXX?? I DID NOT APPLY FOR ANY OF THESE ACCOUNTS ON LINE ONLY BANKING ACCOUNTS THAT I HAVE NO ACCESS TO. THEY ARE NOT ADA ACCESSIBILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
on XX/XX/XXXX I submitted a dispute in regards to a XXXX XXXX credit account. The account was charged off in XXXX, however the bank was still reporting delinquent monthly payments. On XX/XX/XXXX I received an update from update from Experian stating the account was now being charged off as of XX/XX/XXXX negatively impacting my credit. The charge off date should be reported as of XXXX like it was originally.

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 2020-04-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a credit investigation request over 30 days ago, but I have not gotten a response yet. The FCRA states that credit bureaus are supposed to respond within 30 days.

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 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Please attached. This company is engaged is some outlandish accounting and credit reporting actions. They have reported me as being late, and most egregious, have been charging me late charges every month, even though I pay every month, per the receipt of my military XXXX compensation as originally agreed upon. My bank statements and their accounting 's are not in-line at all. They won't address the matter with me at all. Not over the phone, and have not sent me an accounting as they said they would. Instead they have stopped taking my phone calls all together. When I called previously, their agents would tell me that I have no account with them, even when I send them the account number from the bills that they send me however, when I call the same number, the automated system finds me easily to accept payment. The payment is presented as on-time when making it, but then reflects as late, with a late payment added, every month At this juncture, I simply want the CFPB aware of what this company does systematically.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
over several months, i have contacted the credit bureaus stating that i do not believe that i was late on any payments and asked them to provide me with proof. they have failed to do so and have only sent me generic responses from their E-Oscar system. no one is actually doing their job in what i'm asking them to do ( properly show me proof ). in addition, there are some other accounts that i have asked for to be investigated and have asked for proof of a binding agreement, and again, they have failed to do so.

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 2020-04-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
There is an account with capital one appearing on my credit report, This is a surprise because i have not ever applied for a credit card with them. they show a balance of {$820.00} and theres no way i am paying someone elses balance. i have sent in many paperwork with the bureaus providing signatures and personal information with no luck. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: UT

Complaint narrative:
I have been notified by my mortgage broker of multiple accounts that are harming my credit. After carefully reviewing the accounts I have come to the conclusion that I have been a victim of identity theft. I have always heard of these horror stories and never thought it can happen to me until now. This is a complete nightmare because who knows what else these people have done with my information and it is just nerve wrecking. Please tell me what I need to do to get this stuff corrected and cleared so I can get my life back. Thank you very much in advance.

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 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I have been trying to access my Capital One credit card online with no success. I phoned Capital One and, after about a half hour on hold, spoke with XXXX. He then transferred me to XXXX, after another time on hold. XXXX updated my phone number for Capital One to send a login code to, but am still not able to access my account online. I get the message " Let 's Get This Worked Out You may not see all your account features right now, but we're working on it. Try again in a bit, or give us a call at XXXX XXXX XXXX XXXX. '' So I called that phone number, and got a message that there is again a minimum of 30 minutes on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: UT

Complaint narrative:
I have been notified by my mortgage broker of multiple accounts that are harming my credit. After carefully reviewing the accounts I have come to the conclusion that I have been a victim of identity theft. I have always heard of these horror stories and never thought it can happen to me until now. This is a complete nightmare because who knows what else these people have done with my information and it is just nerve wrecking. Please tell me what I need to do to get this stuff corrected and cleared so I can get my life back. Thank you very much in advance.

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 2020-04-24 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: UT

Complaint narrative:
I have been notified by my mortgage broker of multiple accounts that are harming my credit. After carefully reviewing the accounts I have come to the conclusion that I have been a victim of identity theft. I have always heard of these horror stories and never thought it can happen to me until now. This is a complete nightmare because who knows what else these people have done with my information and it is just nerve wrecking. Please tell me what I need to do to get this stuff corrected and cleared so I can get my life back. Thank you very much in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 — Investigation took more than 30 days
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
USAA reported 30days late XXXX because their representative told me the wrong payment amount, short XXXX. USAA won't budge even though it was a bank error. I also had late payments in early XXXX on 3 accounts due to terminally ill father 's medical bills. Accounts have been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: RFNA, LP
State: TN

Complaint narrative:
A loan went from XXXX dollars to now XXXX with republic fianance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was notified that a direct deposit was sent to my account ending in XXXX on XX/XX/XXXX. To-date the direct deposit still has not posted to my account. When I contacted the bank they said they had no record of the transaction. Theyve continued to bill my account for service fees because of the low balance which is a direct result of theyre not posting my direct deposit. As a result all of my accounts are negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: SC

Complaint narrative:
XX/XX/XXXX - I received a delinquent tax notice from XXXX County ( SC ). I immediately called Amerihome Mortgage company and spoke to XXXX XXXX XXXX XXXX. She told me to send the tax notice to XXXX ( do they need a entire department because they forget to pay people 's taxes a lot? ). She said they would get it done. 
XX/XX/XXXX - Logged into mortgage web site to ensure taxes were paid. The taxes were not paid and this " company '' decided to refund almost my entire escrow. The date of the " refund '' was XX/XX/XXXX. I have not received a refund check as of the date of this complaint - XX/XX/XXXX. I called again and spoke to A -- -- a -she said they refunded my escrow because I am XXXX XXXX  XXXX. I am not XXXX XXXX XXXX. Now my taxes are not paid and my house will be put up for auction if they are paid SOON! I then called XXXX county Auditor and the VA to ensure they did not send something to Amerihome. The Auditor and the VA both told me they did send anything the Amerihome. 
XX/XX/XXXX - Called Amerihome back and spoke to XXXX XXXX XXXX XXXX she said the account didn't say I was XXXX and she would contact the delinquent tax department and get everything straightened out. I asked to have a supervisor call me also. NOTHING has happened and a I was never contacted by a supervisor. 
XX/XX/XXXX - Checked Amerihome web site again - nothing has been done. I still do not have a check for a refund - where is the money? I put in a request on the web site for them to do their job. Nothing ... 
XX/XX/XXXX - checked Amerihome web site again and nothing has been done. Called and spoke to XXXX, she said the account showed me XXXX XXXX XXXX. I explained I am not XXXX XXXX XXXX and she said I needed to contact the County - I explained I already Had! I told her the taxes needed to be paid immediately. Now the penalties are adding up. I l also discovered the tax number was incorrect on their end. Who doesn't even know the tax number of the property they lent money on? XXXX XXXX XXXX  said the taxes would be paid by Monday XX/XX/XXXX. I will be checking on Monday and calling again to get a different answer I'm sure. I still have not seen a check- I asked XXXX if they could simply stop payment on the check and have supervisor call me - we'll see. Every time I call I get a different answer. My families home is in jeopardy because these people either don't care or are incompetent. This is unacceptable and I hope you can help me save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
XXXX reported 30days late XXXX because their representative told me the wrong payment amount, short XXXX. XXXX won't budge even though it was a bank error. I also had late payments in early XX/XX/XXXXon 3 accounts due to terminally ill father 's medical bills. Accounts have been paid in full.

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 2020-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NJ

Complaint narrative:
My mother applied for a mortgage with Jersey Mortgage Company. The mortgage broker XXXX XXXX contacted me asking if I would consider being a co-applicant with my mother on her mortgage. I explained to XXXX XXXX I have a XXXX credit score and XXXX in student debt and I do not feel comfortable assuming more debt. XXXX XXXX continue to call me at work assuring me he would only run my credit for informational purposes to give me an understanding of what I could possibly qualify for. 
Somehow the mortgage was issued under my name and I received a phone call from XXXX XXXX agency in XXXX New Jersey. 
The employee asked me to meet her in XXXX XXXX XXXX  to sign mortgage closing documents. This sounded very absurd to me considering I never agreed to be a co-applicant on my mothers mortgage. I have been unsuccessful at disputing this error with the credit bureaus. I am requesting immediate deletion of this error made by the mortgage company. Please check payments made on this mortgage account which were paid by my mother XXXX XXXX the sole owner of this mortgage.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TX

Complaint narrative:
I still have accounts due to my identity theft case appearing on my credit report.

Company response to consumer: Closed with explanation