vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
I had a conventional 30 year mortgage in forbearance with XXXX due to Covid 19 issues. 
XXXX sold the mortgage in 2021 to Nationstar now XXXX as Mr. Cooper who honored XXXX forbearance agreement I successfully completed XXXX XXXX XXXX XXXX 3 month trial in XXXX On XX/XX/XXXX Mr Cooper sent me a proposal for the new mortgage which is a 40 year mortgage at the same rate as my previous 30 year mortgage The first XXXX  years of the mortgage are interest only payments and then the last 30 years are conventional My opinion is this is a punitive proposal What is my recourse to obtain either a lower rate or change this to a conventional mortgage where a certain portion of the payment would be applied to the principal for all payments? 
Is what Mr Cooper proposing legal? 
I did some research and their previously named entity were fined for unfair practices with mortgages, probably the reason they changed their name. 
I have 14 days to respond from the XX/XX/XXXX and am not sure what are my options I am sending Mr Cooper a letter tomorrow disputing the terms of the agreement What other recourse do I have? 
Thank you in advance for your response. 
XXXX XXXX XXXX @

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My XXXX, Transunion and XXXX should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX XXXX OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my XXXX, XXXX and Transunion credit reports.

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 2022-02-06 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: OK

Complaint narrative:
I have submitted several disputes online, via letter and by calling to each credit agency to correct my personal information that's on my credit reports. My XXXX, XXXX and Equifax should only have my name, address and employer as followed every other name, address and employer should be removed ASAP per the law. 

Name - XXXX XXXX Address - XXXX XXXX XXXX XXXXXXXX XXXX XXXX OK, XXXX Employer - XXXX I need all other names, address 's and employers removed from my XXXX, Equifax and XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
I received the annual escrow account disclosure statement which included the anticipated annual disbursements. Loan Depot is stating my bills due in the upcoming year are my mortgage insurance XXXX county tax, hazard insurance, and other insurance. I don't know what this " other '' insurance is and why they anticipate me having " other '' insurance. I never bought other insurance. The only insurance I have ever had or plan on having is hazard insurance. 
Loan Depot is falsely claiming that I bought " other '' insurance in XXXX, which I never did, and it's causing my mortgage to increase. 

I already placed a complain with CFPB ( company ID XXXX ) about Loan Depot stating my hazard insurance was not hazard. This mistake was fixed on their end and should have not affected my future escrow account, but it looks like it still did. 

Starting XX/XX/XXXX I am now having to pay extra for " other '' insurance that LD is stating I had. 

On top of that, the reimbursement check I received for escrow is incorrect because of this " other '' insurance LD is claiming I will have next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: CA

Complaint narrative:
Equifax and XXXX credit scores dropped by XXXX points. Noticed they said I have a serious delinquency. On further digging I found that this was due to XXXX XXXX XXXX, where I had a HELOC that I paid off and closed in XX/XX/XXXX. The HELOC was reported closed in XXXX and XX/XX/XXXX, but is now showing for the rest of XXXX that I was XXXX days late. I have complained to XXXX via XXXX. I have also filed disputes with Equifax and XXXX. It appears that XXXX, a fintech startup, has not exercised proper care in compliance and has a software or procedural error. It also appears that Equifax and XXXX do not have the sophistication to see that a closed account can not suddenly be reported delinquent. XXXX does not seem to have this issue. This is ruinous to me because I was about to buy a car out of my lease. I need this car to have the ability to go to work. My lease expires in 4 weeks and if I do not get a car loan I will have to pay a higher price for a different car, vs for the current leased car where I have a negotiated price from XXXX. Due to supply chain shortages the price of all cars have gone up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
ON XX/XX/XXXX, I the consumer XXXX XXXX was denied credit with BP BUSINESS SOLUTIONS UNIVERSAL CARD. BP XXXX XXXX VIOLATED THE EQUAL CREDIT OPPORTUNITY ACT. As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant 15 USC 1602 ( L ) making BP XXXX XXXX  an assignee pursuant to 15 USC 1691 ( XXXX XXXX. I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j.I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through.It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 XXXX a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. 15 USC 1691c-XXXX states that Any applicant for credit may refuse to provide any information requested pursuant to subsection ( b ) in connection with any application for credit. The underwriter has limitations Where feasible, no loan underwriter or other XXXXfficer or employee of a financial institution, or any affiliate of a financial institution, involved in making any determination concerning an application for credit shall have access to any information provided by the applicant pursuant to a request under subsection ( b ) in connection with such application. THEY BROKE THE LAW!!!

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 2022-02-06 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: NY

Complaint narrative:
XXXX is reporting to all credit bureaus XXXX, XXXX and Experian that my closed acconts as open and on time. This is a breach of information and fraudulent. My accounts can not be open and closed at the same time. This is accurate and a closed account is not active. These practices must be corrected. This is a clear violation of the FRCA. XXXX is reporting empty remarks which is hurting my account. XXXX is reporting closed accounts with remarks that are not there.

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 2022-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
I just received a letter from XXXX XXXX XXXX about a Gym membership collection from XXXX XXXX XXXX in XXXXXXXX XXXXXXXX XXXX  I had cancelled the gym membership with the company, and they continued to charge me for the gym membership. 


XXXX XXXX XXXX XX/XX/2020, XXXX XXXX  to XXXX XXXX, I wanted to cancel my membership as I am moving to XXXX, also I noticed I was charged XXXX for XXXX, can you explain that charge, and help me cancel my membership. Thanks! 

-- XXXX  XXXX XXXX Teacher | XXXX  Coach " Relentlessly pursue your goals '' XXXX XXXX XXXX Wed, XX/XX/2020, XXXX XXXX to me Hey XXXX, The additional $ 40+ is the annual fee. It is a charge that everyone pays, two months after joining the gym. 

As for the cancellation, I will pass your info off to the membership advisors to process. Generally, there is a 30-day cancellation policy if youre on the month to month agreement, so you may have to pay for one more month. 

I hope you have safe travels, and thanks for checking out XXXX XXXX. 

Regards, -- XXXX XXXX XXXX  XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Cell : XXXX My message a received from the employee, then they continued to charge me for the next few months when I had cancelled this membership. I had moved and was not going to use the gym after I signed up for a monthly membership. This debt is fraudulent, and should not be reflected on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I walked into the TD Bank located in XXXX, FL ( XXXX XXXX and XXXX XXXX XXXX ) in XXXX XXXX, FL to resolve charges that were not mine ( dispute them ) ; and obtain a new debit card ( since the one that I had was not registering all the transactions I was making. ) That day, I walked out with only a new debit card ; and was told by XXXX and XXXX, a.k.a. XXXX, that all disputes are to be made over the phone. Also, both women allege TD Bank only has one account under my name. I'm alleging they have at at least two, XXXX XXXX XXXX and XXXX XXXX, because I keep receiving mail with two names ; and I continue to see two maintenance fees. After two plus hours of trying to talk sense into these women, we got no where. I got up, and made a NEGATIVE account positive by depositing {$100.00} cash into a new account that has NONE of my history from XXXX of XXXX - XXXX of XXXX. My history should go from XXXX of XXXX to present day. 

In conclusion, I've gone ahead and attached two pdf files with images that reflect what activities are NOT mine, and why TD Bank needs to place back into my account {$97.00} and remove all the XXXX and XXXX XXXX  fees ; followed by all the XXXX XXXX fees, and explain how my account was made negative on XX/XX/XXXX ; but I was still able to withdrawal {$160.00} with a {$10.00} ATM fee on XX/XX/XXXX and obtain a receipt that reflects POSITIVE {$15.00}. And then use my card TWICE in XXXX, FL on XX/XX/XXXX ( after XXXX XXXX. EST ) for {$2.00} each time ; and have NO Problems ; but guess what, those two transactions are MISSING from this NEW online account. This confirms TD Bank gave my REAL account to someone else, allowed this person to create a fake account that did not pass the test. So, I had to make this " new negative '' account positive ; and that's a crime! Also, my card was never used on XX/XX/XXXX - XX/XX/XXXX ; why does this new ledger reflect that I do? 

Why did XXXX have to hand me TWO different printout with the names XXXX XXXX if there's only ONE account? ( see the images in the kic attachment ). XXXX XXXX pages 1-15 ; and then XXXX XXXX pages 1-2 ( that's the new account ) and it has NO HISTORY prior to XXXX. 

They need to admit they duplicated my account and I'm being disrespected ; insulted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hi, I sent a dispute to Transunion to remove incorrect names, addresses, phone numbers, employers, and hard inquiries on XX/XX/XXXX via certified mail. Based on the tracking number Transunion received this dispute on XX/XX/XXXX. I received no response from Transunion, so I sent a follow-up request on XX/XX/XXXX. Based on the tracking number Transunion received this on XX/XX/XXXX. As of today, I still have not received a response from Transunion in regards to my dispute. According the Fair Credit Reporting Act, they had 30 calendar days to respond to the first dispute sent on XX/XX/XXXX and received on XX/XX/XXXX. At this point this needs to come off my credit report as they have not responded. I am now seeking legal counsel. Please advise asap. I want the corrections to be made on the credit report. The only name, phone number, and address that should be reported on my report are as follows. XXXX XXXX XXXX, ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX Fl XXXX. You will find five attachments. Two attachments are the actual disputes. One attachment is the sent dispute certified tracking receipts for XXXX & XXXX of XXXX. Two attachments are the confirmed delivered receipts for each dispute. Transunion has not responded. I would like this incorrect and inaccurate information removed from my credit report immediately. 

Thanks, 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 non-monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I received a message from credit report my credit was down due to note posted by XXXX Credit card. 

I called the credit card spoke already with 3 people - XXXX, XXXX and XXXX. 

I received the information I made an application in XXXX, company sent me a card, charged me an annual fee that I did not pay.

I replied that : - I may have applied as we received several offers BUT- I never received a card from XXXX bank - They confirmed that XXXX Credit card neither received a notice confirming the card from me nor the card was activated - I never received any call from the card company to be careful before damaging my credit report - I want this debt and the account to be canceled and the notation in the credit bearoux to be removed. 

I am still waiting for some response form the card company. It been waiting for an hour on the phone. 

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 non-monetary relief
Consumer complaint received 2022-02-06 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: NY

Complaint narrative:
XXXX is reporting to all credit bureaus Transunion, XXXX and XXXX that my closed acconts as open and on time. This is a breach of information and fraudulent. My accounts can not be open and closed at the same time. This is accurate and a closed account is not active. These practices must be corrected. This is a clear violation of the FRCA. XXXX is reporting empty remarks which is hurting my account. XXXX is reporting closed accounts with remarks that are not there.

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
On XX/XX/2022 Lexington law charge my account for service that was cancelled. 
I was billed for service that was cancelled. I will like for the fund to be returned as soon as possible. I no longer want service. Please see the attached picture from the website concerning my account be cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: NM

Complaint narrative:
They submitted my new card on the XXXX and it has been 11 days I have not received it my bills are due I need to pay them I have a title loan out and they have not sent me my new card what am I supposed to do I need my card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Mortgage. They stopped sending me bills. I always pay my bill right when I receive it in the mail. They went 2 months without sending it. I did not sign up for paperless statements, and was not contacted by Chase saying they were making me go paperless. I had an XXXX credit score, and enough money in my savings account to completely pay off the loan. At the same time I didn't realize I hadn't received my bill, therefore out of sight out of mind. My parents in Kansas both came down with XXXX, and my mom who can't XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had to fly to Kansas and was there for almost a month, during which time my dad died from XXXX, and we had to move my mom to XXXX XXXX, and pack up their house and move their stuff out. During this time, I was completely consumed by my family emergency, and the loss of my dad. I was not contacted once during this time by chase to let me know they had not received my XXXX payment. I came back for 1 week XXXX there was nothing in my mailbox. And I had assumed I had paid every bill that had arrived. I flew back to Kansas to finish helping my mom. I flew home XX/XX/10. It was at this time that I received a letter stating that chase hadn't got my XXXX or XXXX loan payment. I paid both months immediately, and called chase to explain the situation. I was assured numerous times on the phone call it would not be reported to my credit report. Fast forward to XXXX credit report. It dropped from XXXX to XXXX in one month because chase did report it to my credit report. I have logged over 8 hours on hold and speaking with agents at Chase to resolve this. I have been given a different story by multiple agents, mis information, and bold face lied to. I finally requested them to pull the recorded phone call so they could hear for themselves what I was told. After 2 weeks of waiting for their 24 to 72 hour review, I was told they couldn't find the recording. 2 weeks later I was called, and told they had reviewed the " missing '' call and it didn't say anything about my late payment and not reporting it. I have finally been escalated to the executive office of Chase to A research analyst named XXXX. I have know idea how much longer this can go on. In the meantime, they raised my loan from {$3400.00} a month to {$3900.00}. They state that an escrow review required it. I've tried to get to the bottom of that too to no avail. My taxes have not gone up. My insurance changed by {$200.00} a month. This doesn't warrant 30 years of {$430.00} more monthly. Chase has been an absolute nightmare to deal with. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: GA

Complaint narrative:
XX/XX/2021 I cash app $ XXXX. XXXX and she never received the funds. I have cashed app here before. Cash app has refused fix the issue. Keeps saying XXXX was applied. XXXX XXXX has other consumers complaining about exact issue with cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021, I requested a debt validation letter from Experian and XXXX for a XXXX XXXX XXXX XXXX bank regarding a loan for a {$35000.00} car loan. Unfortunately, Experian and XXXX have yet to verify the account with my signature and owed amount to XXXX XXXX XXXX XXXX XXXX. Unable to verify debit in required to remove from credit report within 30 days of the requested date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ 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 non-monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had opened a personal account with PayPal using my email address ( XXXX ) and they closed my account without giving a reason. I had called in and was told that their decision is final and irreversible. 

They have unfairly denied me this basic money transfer service with no legitimate reason known to me.

Company response to consumer: Closed with non-monetary relief