vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
i wrote, called and worked with representatives regarding my loan modification with XXXX  that i did not receive my modification in XX/XX/XXXX after paying three trial payments XXXX, XXXX, XX/XX/XXXX ) all documented to XXXX and Nationstar. 
Still looking for resolution all these years and correspondences, Mr. Cooper responded with their letter to me dated XX/XX/XXXX. 
CASE NUMBER : XXXX the letter details that I withdrew my modification in XXXX of XXXX and thats why my modification was denied. I HAVE DETAILED RECORDS OF IMPLORING those reps i was dealing with or on phone with to get me the modification. that i was waiting for it after my payments were directly taken by XXXX. in this correspondence of XX/XX/XXXX they included a letter from XXXX - stating that I withdrew my modification! I was calling looking for my modification IN XXXX and XXXX and again in XXXX -- -where was this letter then? 

ALSO IN this correspondence is the Nationstar mtg letter to me stating they are taking over my mtg and that they are charging me $ XXXX in interest {$900.00} in fees and $ XXXX in escrow advances. 
NONE OF WHICH I WOULD OWE IF MY LOAN WAS MODIFIED AS I WAS TOLD IT WAS BEING MODIFIED BY BOA IN XX/XX/XXXX. 
I WAS FIVE PAYMENTS BEHIND AS OF XX/XX/XXXX, WHEN I MADE MY FIRST TRIAL PAYMENT XX/XX/XXXX, XXXX XX/XX/XXXX AND XXXX XX/XX/XXXX TO XXXX. 
FIVE PAYMENTS OWED AS OF XX/XX/XXXX. 
MY REAL ESTATE TAXES WERE ON TRACK BECAUSE I PAID THEM UNTIL ENTERING INTO THE MODIFICATION! 
TAXES WERE UP TO DATE THRU XX/XX/XXXX! 
I NEED MR COOPERS OFFICE OF THE PRESIDENT AND CEO TO CONTACT ME DIRECTLY TO GO OVER THIS LOAN. IT TOOK NATIONSTAR THREE YEARS TO APPROVE A LOAN I WAS ALREADY APPROVED FOR MOD AND DONE XX/XX/XXXX. FIVE PAYMENTS BECAME 50 AS indicated in the letter. mr cooper also sent me the details of the payments they received, charges, WHAT INTEREST WAS I CHARGED? i see from the onset XX/XX/XXXX $ XXXX plus fees. NATIONSTAR would NOT ALLOW ME TO CONTINUE TO MAKE PAYMENTS ... THEY SAID I HAD NO LOAN. IT WAS A BAD LOAN AND I WASNT GETTING APPROVED! 

i should not be charged for the three years NATIONSTAR took to offer me a modification i was up to date on my real estate taxes thru XX/XX/XXXX. 
XXXX transferred my loan to NATIONSTAR and NATIONSTAR ignored my pleas for three years, adding to EMOTIONAL, PHYSICALLY DEBILITATING AND FINANCIAL STRESS. 
MY CREDIT WAS RUINED. I would like to talk to someone about removing the missed payments from my credit, i paid every month other than the five missed and would have continued to pay and asked continually for someone to take my payment, i have it documented! The bank took over my r/e tax payments when i did the modification, no longer allowing me to pay for those, i should only be charged for the taxes and house insurance payments the bank made, pls help. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/2019, I made a purchase of {$250.00} at XXXX XXXX in response to {$50.00} cash back advertised by American Express. But I have not received the cash back yet after dozens of contact with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
I found a credit report entry concerning a debt owed that I did not know about. I did not receive payment due notices in the mail or I would have paid any amounts owed. 
When I called Southwest Credit Systems ( using their telephone number on the credit report ) they told me it was their policy not to remove entries that have been paid in full. 
Today, I provided Southwest Credit Systems my address so they can send me information to validate the debt since it appears any debt notice of payments due were mailed to the address of the motorcycle club I used to be a member of and not to my residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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:
THE DISPUTED ACCOUNTS ATTACHED HAS BEEN HARMING MY CREDIT FILE AND CAUSING SERIOUS DAMAGE TO THE THREE REPORTING BUREAUS. I HAVE ATTACHED A REPORTING WITH THE DEROGATORIES THAT NEEDS TO BE REMOVED OFF MY CREDIT FILE. IT HAS BEEN HARD TO ACQUIRE NEW CREDIT WITH SO MANY INACCURATE REPORTINGS ON MY CREDIT FILE. PLEASE INVESTIGATE AND HAVE THOSE ACCOUNTS REMOVED OFFMY CREDIT 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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I never received the {$150.00} Captial One bonus after spending {$500.00} in the first 3 months as advertised

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
I have written to Equifax several times pointing that their reporting on my credit report is inaccurate ... they are not showing who it is who is trying to collect debt. Equifax has failed to respond but continues to report this inaccurate and unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: CA

Complaint narrative:
In XX/XX/XXXX, I contacted XXXX  to request an alarm system be installed in an income property that I own ( vacant rehab project intended for resale ). 
I specifically asked the company if they were XXXX and they told me that they were. I also went into great detail with the person I spoke with and explained that I had no intention of keeping the property. I only wanted the alarm to serve as a protection for me since the home was under rehab with the intent to resale it. I was assured that my request would be met and there would be no problem in cancelling my contract or transferring my contract. I proceeded with the installation and the contract. No copy was provided to me by the company, who I continued to believe was XXXX. I was told that the contract would be emailed to me. I was also set up on automatic each payments which began immediately under the name " XXXX ''. I had no reason to believe that this was not XXXX. After 3 months passed ( XX/XX/XXXX ), the home was complete and I had a buyer who was willing to assume the payment plan on the alarm system. I contacted the phone number to XXXX that was on my online account log in with XXXX. I was told that transferring was no problem at all and proceeded with the transfer. I was told by ADT that they could not give me anything in writing stating the transfer, but the way that I would know that it was success full is 3 things would occur : 1. The my monthly payment automatic drafts to my account would stop 2. I would no longer be able to log in under my account online 3. My account number would remain the same, but under the new buyer 's name if I were to call in to the customer service number. 
ALL OF THESE THINGS HAPPENED, as I was told. 
Unbenounced to me, yesterday, XX/XX/XXXX I received a phone call from an attorney/ collection agency stating that I was being reported for non payment by a company named XXXX XXXXXXXX XXXX XXXX. I was SHOCKED! I immediately began researching everything, only to realize my worst fear that I had been deceived. That the alarm contract was never with XXXX, it was with a 3rd party who represented themselves falsely to be XXXX and that even though I have successfully transferred my monitoring, this 3rd party was still holding me hostage for the remaining 19 months of my 24 month contract with XXXX. I researched the company " XXXX '' who I have never even heard of and found out that they scam people all the time under the guise of XXXX and I was even able to locate over 350 complaints on yelp of the same exact scam that I was now finding myself to be a part of. It is my hope to begin a Class Action Lawsuit, as so many people have been victimized by XXXX XXXXXXXX XXXX XXXX XXXX. I need help, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I am the financial power of attorney for my elderly father. I am appalled at how poorly this company handles legal documents. My power of attorney has been faxed to Ally financial 3 times. And they claimed to have lost it 3 times. My father had bought his granddaughter a used car. And she was paying the monthly note on the vehicle. The loan is through Ally financial. They would refuse to accept her payments over the phone and hang up on her. Even after being added as a authorized person ok n the account. When covid 19 started at the beginning of the year she received a letter from Ally that they could defer payment due to covid hardship. In Late XXXX she was laid off because of covid. She called them to ask for hardship assistance. They told her that they could not talk to her about the account and hung up on her. She tried many times to resolve this issue they denied her access to bill pay option. when she had money to pay them. And on XX/XX/2020 a unmarked tow truck with no info or dot numbering came and took her car. The tow people wear rude hostile refused to give a business card. They told us not to call the police until 15 mins after they left. Which sounded shady. Plus they didn't show any paperwork or documentation. I also learned that this company has been doing a lot of this and has a lot of lawsuits towards them during covid 19. Also besides the monthly statements we never received a certified letter. Just the one the is uploadedthat is dated XX/XX/XXXX. That we received on 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 2020-07-22 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 called XXXXXXXX XXXX XXXX and ask them to send me a copy of the signature of the original l paper they informed me the could no send me the.copy because they did not have a copy of the signed paper. Yet Transunion keeps saying it was verified I have asked Transunion to send me the copy of the signed copy they have yet to send me anything showing it was verified. By law they have to send me this information or delete XXXXXXXX XXXX XXXX. I need a copy of everything charged on the account they claim I Opened and charged which I did neither

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 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
My mortgage is below 78 % of the appraised value. I requested cancellation of PMI aby email and by phone the loan servicer has refused. All payments have been on time. The loan servicer is Lakeview Loan Servicing LLC, XXXX XXXX. This appears to violate HPA.

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 2020-07-22 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: GA

Complaint narrative:
I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX CARD SERVICES that due to a drop in my XXXX XXXX my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the Director of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my XXXX XXXX. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score.  XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose tome that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XXXXXX/XX/XXXXinstallment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX 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 2020-07-22 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: CA

Complaint narrative:
I was the victim of identity theft in XXXX and XXXX of XX/XX/2020 and a criminal did a fraudulent hard inquiry to my Equifax credit on XX/XX/2020, in an attempt to open an account from XXXX XXXX. When I became aware of this issue, I contacted the creditor and had them contact Equifax to confirm that this inquiry was fraudulent. In addition, I contacted Equifax to let them know of this fraudulent hard inquiry. In the dispute outcome from Equifax ( Confirmation # XXXX ) I was informed by Equifax that the inquiry was fraudulent and had been removed. As of todays date XXXX XX/XX/2020 ), the fraudulent inquiry has not been removed! I have called and filed several subsequent disputes regarding this same inquiry only to be told to resubmit the information that Ive already sent. I followed those instructions and resubmitted everything ( police report, copy of my social security card, copy of my passport, letter from XXXX confirming that the inquiry was fraudulent, copy of my drivers license, and copy of my birth certificate ) only to be told that I needed to contact the creditor again. I followed that step and had the creditor contact Equifax and still the inquiry has not been removed. I understand that this is sensitive information but I DO NOT need to be told to contact Equifax again because I have already filed over 20 disputes and yet Equifax in spite of having everything has not performed the administrative task to delete the fraudulent hard inquiry. My issue is administrative and I need Equifax to delete this inquiry that I have proved on multiple occasions is fraudulent. I am unable to buy a home and live my life due to this fraudulent inquiry so please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: GA

Complaint narrative:
I contacted XXXX XXXX XXXX in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the XXXX representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX XXXX XXXX that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the Director of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. XXXX XXXX XXXX granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose tome that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XXXX XXXXinstallment was paid prior to the due date. I am currently not in a hardship. XXXX did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by XXXX that was supposed to prevent a negative report on my credit for these months. XXXX did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided XXXX given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with XXXX XXXX XXXX and is a violation of the FCRA. I have reached out to XXXX XXXX XXXX and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC
State: GA

Complaint narrative:
I do not have an account or have used their service to inquire a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I'm currently writing this complaint about my account with synchrony bank and XXXX. XXXX XXXX XXXX that i had paid off my account for {$670.00} XX/XX/2020 and then i got a letter on XX/XX/2020 saying that my account is closed due too lack of real estate credit and too many open accounts now i feel that's not fair and wanted to know if there's anything you do too help me fix this issue

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 2020-07-22 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX, we used our XXXX XXXX XXXX Mastercard ( Barclays Bank ) and paid {$1300.00} for two flights ( XXXX XXXX XXXX XXXX XXXX ) - record locator FNJDEA, for a trip we were to take to XXXX, XXXX in XX/XX/XXXX. 

Due to Covid-19, on XX/XX/XXXX, our resort reservations and our flight reservations were both canceled by our travel company when travel was restricted by the US State Department. We were supposed to be refunded for both our resort costs and our flights. The credit card we used to pay for the resort costs refunded us immediately, while XXXX XXXX XXXX Mastercard did not. I filed a claim with XXXX XXXX XXXXXXXX card/Barclays Bank and a refund was not issued.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has XXXX accounts tied to my social security number as a result the 2017 breach. The incorrect account has the wrong birth year but all of the correct addresses. The incorrect account reports all balances {$0.00} when in fact they have balances. This account is what is being pulled by creditors when I have applied recently. The other account has all correct information except all my previous addresses. 
I have been working on this for years. I've sent in my social security card, a copy of my drivers license and they still will not delete the erroneous account.

Company response to consumer: Closed with explanation