vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Mr. Cooper issued seven {$1300.00} payment transactions for a total of XXXX that were unauthored from our checking account. This cause our account to be overdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I satisfied two mortgages ( see attached letter ) in XXXX, XXXX to form a single line of credit with PHH Mortgage ( or someone on its behalf ). The consolidated mortgages ' satisfaction was improperly drafted/defective, and recorded in this manner. Upon my attempt to sell this property, I have been unable to fully clear title and {$27000.00} of sale funds are being held in escrow and not made available to me. My attorneys : XXXX, XXXX XXXX XXXX XXXX XXXX reached out to PHH Mortgage Services Corp. on XX/XX/XXXX. Since this date, they have faxed, re-faxed, and followed up by phone numerous times ( see additional, attached documentation ) to request the satisfaction be corrected. Now, a month following closing on the property, my attorneys still have not received the corrected mortgages satisfaction. PHH Mortgage initially responded to my attorneys ' calls and provided updates, but now, for over two weeks, no response and no corrected document, as promised. Please assist me, and see attached, additional information.

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 2021-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I keep disputing a collection account that I have no idea what it is. I have asked for an itemized bill but have not provided me with anything. I Never received a bill from the original party and I was sent to collections for a bill I never knew existed. I have disputed and still comes back with no info and collection is still there. How can you possibly put a collection on me for something I don't if know what it is for and yet the collection company has yet to provide or original bill. Its not fair I was never given a proper chance to pay bill. When I dispute a get a response saying Information on this item has been updated. Please review your report for the details. and there are no details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: CA

Complaint narrative:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

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 2021-04-26 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: CA

Complaint narrative:
I disagree with the results of your investigation on the following items that still appear on my credit report. These inaccurate items are doing damage to my credit rating, and I demand that these items be reinvestigated. 

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 6 ), I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. By law, this information must be provided to me within 5 business days after the completion of the reinvestigation. 
Please reinvestigate the following items, and promptly remove inaccurate, incomplete or unverifiable accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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: NV

Complaint narrative:
Experian did not, will not, fix dispute issue on my credit report. The dispute involves XXXX XXXX XXXX XXXX I have advised XXXX XXXX and Experian they are confusing me with one of my adult children. I have tried to resolve this with no help from either party involved.My name is XXXX XXXX, XXXX XXXX XXXX, XXXX NV. XXXX, cell # 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 2021-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I went through the help of a debt consolidation company, XXXX XXXX to help with the overwhelming debt I incurred over the years. The payments went smooth and everything was paid on time. My Synchrony mega group account was from original balance of {$2700.00} to the settlement amount of {$1000.00}, and was paid off and resolved in XX/XX/XXXX. That account was taken out in XX/XX/XXXX. Starting in XX/XX/XXXX I started getting letters in the mail that the account was charged off and sent to a collections agency. I've disputed the information and requested a payoff letter from XXXX to which they have never provided. I disputed it with XXXX XXXX and XXXX where the collection letters came from. They said that my information wasn't enough to prove that it was paid off when I have the literal receipts of payment. This is putting my livelihood at jeopardy because I'm not able to do things that a credit check is needed for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2020 someone who lives in XXXX XXXX CA used my identity to acquire credit cards with a limit of {$19000.00} from JP Morgan Chase. I do not have an account with JP Morgan Chase. I received notification through ProtectMyID. I contacted Chase to let them know it was identity theft and that I actually live in XXXX XXXX CA, 75 miles away. 

i also received notification from XXXX XXXX that the same person took out a personal loan in my name. Once we went over my personal data they realized it was fraudulent and closed it. They also sent me an XXXX report showing my complete credit history. It included the address of the fraudster as one of my addresses. The report also said re the Chase account " Account closed at credit grantor 's request ''. 

I contacted Chase ( XXXX and XXXX ). After months of getting the runaround I finally got the email address for their fraud recovery unit and sent them photos of the pages of the XXXX report on XX/XX/XXXX, XXXX i have sent them inquiries since but get an automated reply that they are investigating the claim. Not sure why it would be so difficult since I gave them all the information, including the XXXX XXXX address ( which I can not delete from my credit report until JP Morgan clears this up ) XXXX has acknowledged the fraud and has maintained my credit score at XXXX the other two agencies have it at XXXX due to the JP Morgan problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: UT

Complaint narrative:
I had a car accident in XX/XX/XXXX. All the medical bills were to be paid by my vehicle insurance policy to XXXX XXXX ( XXXX ). 

XXXX did not agree to the amounts paid by the insurance company and passed the debt onto me. 

XXXX owns the debt and placed the debt with IC Systems. 

IC Systems took the aggregate debt and broke it into six ( 6 ) separate collections on the same bill! IC Systems then began reporting these six ( 6 ) collections to the credit reporting agencies. 

IC Systems received a notice of dispute. DESPITE receiving a notice of dispute - IC Systems fraudulently represented to the credit bureaus that I was delinquent on the bill though the bill was disputed and the dispute shows on the credit bureaus as a disputed bill. 

IC Systems in ore top harm my credit - continues to fraudulently represent this bill is delinquent. Each time I apply for credit - IC Systems adds another delinquent notice into the credit bureaus to further harm my credit using abusive tactics. 

**IC System 's abusive tactics have real world economic impact. As a disabled veteran seeking a home loan - this impacted my ability to refinance my home during the COVID19 pandemic. 

Last year, I contacted XXXX as the current legal owner of the bill to tell them about the abusive tactics by IC Systems. I contacted XXXX by formal letter and by email. XXXX did not respond to the notice of dispute or complaint. 

I have included screenshots taken from the underwriting department of a mortgage company attempting to refinance my home - showing the abusive tactics of IC Systems fraudulently representing I am in a payment plan with reported delinquencies. 

A debt validation letter was sent to XXXX - as the owner of the debt - on XXXX XX/XX/XXXX. XXXX FAILED to respond to the debt validation letter.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I was notified by email ( see attached ) of an overage in my Escrow account and that a check had been mailed to my " address on file. '' I called Caliber Home Loans within XXXX hours of receiving this notification to verify my address at which time I learned they had the incorrect address. The representative said the refund check could be voided and a new check could be sent to the correct address. I was told " this usually takes up to 30 days but most times it does not take that long. '' Nearly 30 days have passed and I have not received the refund check, so I called XXXX again today. Upon calling today I was told that the check had been voided but they " didn't complete the second stop correctly. '' I then asked if the refund could be wire transferred or the refund check could be sent via overnight or XXXX day mail. I was told that could not be done. I then spoke to a supervisor ( XXXX, ID # XXXX ) who said she would " escalate '' a new check being cut and sent. However, she could not guarantee when the check would be sent. Also, I spent 30 minutes on the phone with Caliber trying to get this rectified, meaning I forfeited my entire lunch break to try and resolve something that was created by Caliber.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I got an alert from XXXX that a Money Lion account with a balance of {$1000.00} was open. I did not open this account. I contacted Money Lion on XX/XX/XXXX and was told that the fraud dept would contact me via email within 4 business days. The rep had also sent me an email with the ticket number ( XXXX ). She also informed me that whoever opened the account also opened a checking account using my social and DOB. She also stated that the fraud dept noticed something suspicious and shut it down and no money was ever transferred, or loaned out. Since I hadn't received an email from them, I contacted them again on XX/XX/XXXX in which the rep from Money Lion put a " rush '' for them to call me. I've yet to receive a call or email and today is XX/XX/XXXX. I contacted the local police department so I could make a police report. An officer reached out to me on XX/XX/XXXX and I filed a report ( case # XXXX ) which I am still waiting to obtain a copy. Since Money Lion is yet to contact me, I feel i'm not being taken seriously and I need this deleted from my credit report. I'm really hoping that you will be able to assist me in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 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: CT

Complaint narrative:
My husband and I had planned a trip through XXXX airlines, but due to Covid, we had to cancel. The extension originally offered from XXXX was about to expire and I needed another extension. I looked online and found the phone number for XXXX, called the number and I explained my situation. They told me that for {$75.00} for each of the two tickets, they would extend my travel funds until XX/XX/XXXX. They charged it to my Visa credit card and I received an email confirmation. On XX/XX/XXXX, I called XXXX to make a new reservation and they informed me my travel funds had expired. I explained that I had gotten an extension but they had no record of it. It turns out that the company I called had no affiliation with XXXX. They took my money and provided nothing in return. I called Visa yesterday and they originally told me " They had my back on this '' and reversed that {$150.00} charge but when I called the fraud department as they told me to today, they told me they could not reverse it because the charge was posted XX/XX/XXXX. I explained that there was no way for me to have known prior to yesterday that it was fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
Good afternoon, USAA is unwilling or unable process an ACH transaction so that I can send money from my USAA bank account to my XXXX XXXX XXXX account - a routine transaction ( XXXX XXXX ACH transactions each quarter in the US ) that most banks do at little or no cost. Alternatively, USAA offered to charge me {$30.00} for a wire transfer or to contact XXXX XXXX ( who presumably isn't a charity and would charge me high fees ). 

I spoke with numerous representatives at USAA of increasing seniority and all told me the same story ( above ). 

Surely, I am not a unique USAA customer and many others are being unnecessarily directed to complete wire transfers or other expensive transactions that benefit USAA 's revenues. 

Thank you for your help XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 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:
Hello, I am very stressed out because I have unknown accounts in my profile. I just checked today and I was shocked. This is a mistake or maybe even fraud because I feel that someone could use my personal information. I can not understand how this possible. But I do not want to have fake items in my credit report thus I am asking you to remove it as soon as possible please.

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 2021-04-26 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: FL

Complaint narrative:
Hello, I am very stressed out because I have unknown accounts in my profile. I just checked today and I was shocked. This is a mistake or maybe even fraud because I feel that someone could use my personal information. I can not understand how this possible. But I do not want to have fake items in my credit report thus I am asking you to remove it as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
On or around the XX/XX/XXXX, My brother gave a {$12000.00} cashiers check to Yes! XXXX XXXX for the purchase of a mobile home. 21st Mortgage Corporation, never really explained the documents to me, as I was told that the loan as well as the lease agreement would be in my brothers name and I found out at this time that that was a lie, after they evicted me whom never took up residents at the park, that they state an oral agreement took place in the pursuit of getting the home, and on the loan documents pages 11 and 35 state that there is to be no ORAL AGREEMENTS, they have filed court motions with their legal team stating that this took place. 

We have request the {$12000.00} back as this was clearly a breach of contract seeing that my brothers name was never on the lease as promised would be the case, as he was the one making payments from day one up until XX/XX/XXXX. in which the went over the documents with me thou The reason for this is they have denied documents and I will be filing a lawsuit against them for breach of contract, and filing of these fraudulent documents that their lawyer has provided me clarification and written legal documents he swore under the penalty of purging himself, where he says there was an oral agreement, when the loan documents clearly state in the customers package that no oral agreement shall be made. This is why I am asking to continue, as I am preparing this demand letter for the lawyer and his clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: GA

Complaint narrative:
I called customer care because I noticed an incorrect minimum payment due of {$63.00} but my minimum is always $ XXXX/month and I've never been late for my XXXX  credit card. I spoke with XXXX ( ID : XXXX ) and explained that i was in the hospital and as soon as i was released i submitted payment but I also let her know I had called in and told them about the surgery. My account was assesses a {$28.00} late fee which is incorrect. XXXX was able to reverse the late fee but was unaware of how to ensure there is no late reporting to my credit report nor was able to reverse the minimum payment of {$63.00}. She said she could not guarantee the balance would be corrected nor would she able to ensure I would not be charged a new late fee because I refuse to pay the extra {$23.00} after I made a payment of {$40.00} already.

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 2021-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: GA

Complaint narrative:
Beginning in XX/XX/XXXX, I sent a letter to Primary Residential Mortgage , Inc. about the elimination of my PMI. In turn, they sent to me a packet with the necessary forms that needed to be completed and submitted. XX/XX/XXXX, I contacted PRMI regarding the status, they explain that although I sent the forms via their email customer service account, they did not receive them. I resubmitted the forms immediately. XX/XX/XXXX, they said that it was turned over to the proper department, but that I would need to pay {$230.00} to complete the valuation, etc. which I did over the phone. XX/XX/XXXX while checking on the status, I was told that to hold while the agent investigated the situation, then was told that the case was closed by a representative accidentally. She explained that although they had record of my payment, I would need to resubmit a form validating the money. AFter several minutes of discussion, they explained that would now not be necessary. It has been almost three weeks and the situation is to suspended. The request to eliminate the PMI is being intentionally held by PRMI. 

Additionally, I have requested refinance information since XXXX and they have not responded to my requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation