vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NY

Complaint narrative:
This document is for the review of a transaction made on XXXX XXXX at XXXX for {$300.00} which is completely a fraud transaction. I was in the car with someone at the time and was very far from where the transaction occurred. According to Chimes records the atm withdrawal was made at XXXX XXXX XXXX. When I XXXX searched the address it said a XXXX in XXXX XXXX, NY. I have no history of being in that store or around that area and I have stressed this several times. T-Mobile has records that detail where i was around the time of the incident because I made a call immediately when I saw the atm withdrawal notification. No history in the area along with a witness and GPS records should be more than enough to prove the transaction was illegitimate. If you look at the location of the next transaction directly after it was in the XXXX for {$200.00} at XXXX p.m. which was all that was available through my savings and spot me. The transactions were almost XXXX minutes apart not enough time to make both transactions which means no matter how you put it I am not responsible nor did I approve the withdrawal of {$300.00} at XXXX. Also, Chime has record of me reaching out immediately as do I. I have had countless rebuttals denied for this dispute and they do not take it seriously because each denial seems to come faster. This morning at XXXX. XXXX. I was notified both of my acceptance and denial for a review. I can prove it was not myself and therefore I deserve my {$300.00} dollars back. Some how they made an error and put my initial claim for {$500.00} dollars and I told them that was incorrect. I show them in the app I also wrote {$300.00} and to my knowledge they have not made that correction. It is a lot of information that I have provided but has not been used properly. At this point it seems they have no intentions of refunding me or tightening up on security both are truly sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This a complaint against PNC Mortgage for dual-tracking my mortgage. Stringing me along by dragging out Mortgage Modification while proceeding with a foreclosure sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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: CA

Complaint narrative:
This is a complaint againsXXXX XXXX XXXX XXXX. I've dealt with the XXXX people/employees anmed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , they all claimed to not work on commission. The people I dealt with told me that I'm making a good financial investment. They promised things would be positively different but each time things just keeps getting worse. I was also told that it had some tax benefits similar to owning a second home. I felt pressured especially when they said they needed " corporate approval '' in order to grant me the price being offered and it's my last chance at the lowest price considering the fact that the resale value would go up. They offered gifts such as XXXX XXXX passes, 5-day stay in Hawaii which I never did get or able to use. I never received a copy of the application nor was I properly informed about the fees ; they never made me aware of it. I didn't know how to cancel, they never properly educated regarding cancellation, like how many days to cancel and such. Having this timeshare just gave me hardships, problems caused by this even make me lose sleep and its just extremely stressful for me. I had the worst experience with this timeshare, they won't let me use my points, can't book trips on birthdays, can't use the daily rate pricing ever. You have to forfeit your points if you don't roll over twice they told me once. I felt I was profiled, I'm young and I'm an XXXX XXXX. I was highly pressured with their sales tactics. They kept lying and dodging or simply just not answering questions honestly. I was led to believe I can book without using points whenever at the lower nightly rates, I tried multiple times and was never able to at the rates provided. I was never able to use points, it didn't even roll over as they said it would so I ended up losing all the points, and still expected to pay fees without points. I was simply defrauded, lied to and was taken advantage of.

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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: MA

Complaint narrative:
I spoke to XXXX XXXX at LoanDepot regarding refinancing my home to get cash out to complete necessary repairs in my home. We discussed paying off debt which was my car loan, student loan and XXXX XXXX credit card and mortgage. I would get approximately XXXX cash to complete repairs. My mortgage at the time of this call was with XXXX mortgage XXXX intrest rate morgage monthly was {$1500.00}. Once XXXX did the initial approval I was then given to a loan processor XXXX XXXX. I spoke to her once on the phone and at no time did she inform me or discussed with me that there was a {$89000.00} lean on my home and it would have to be paid off. I knew about the lean but I thought the lean was to be paid off when I sell my home or at the back end of the mortgage. When I reviewed the closing disclosure I did see XXXX ( Lean holder ) but I was under the impression that it was perhaps an appreviation for me. I signed the closing and did not realize that I was not getting any money was on the 4th day after closing when I did not receive a check. I did receive the checks for the student loans, XXXX XXXX and car loan. When I called the attorney 's office I was then informed that I was not getting any money. Loan Depot delibrately did not tell me about the lean so that they could close. I was up front with XXXX that I wanted to do necessary repairs on my home and it was the only reason why I was refinacing at a higher interest rate and mortgage increase. I am now obligated to pay a XXXX interest rate on XXXX. My monthly mortgage payment has increased by {$700.00} {$2300.00} and I did not receive money for repairs. I paid XXXX in closing costs for LoanDepot to tell me that it is a done deal and there is nothing they can do for me. The final closing was on XX/XX/22. When I spoke to the attorney she was very confusing she stated that I had to pay {$1900.00} for closing but on the other had she also asked me if I had paid the mortage for XXXX. I thought the money I was paying was becasue I had not paid the mortgage for XXXX and it had not been included in the payoff amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMCOL Systems, Inc.
State: IN

Complaint narrative:
Due to inaction on the part of my Dr. 's office to set up a payment plan as we agreed to, the last part of my bill was sent to collections. I received the letter Saturday, XX/XX/XXXX, and began attempting to contact them today XX/XX/XXXX. I have made at least 6 calls and each time after sitting on hold for 13 minutes, it hangs up on me. Once or twice it acted like someone had picked up, but then no one was there. Their client portal site caused my XXXX browser to display a safety warning and advised me to not enter any personal data as the site is not secure. Clicking the pages to open the portal does nothing as well. There are other reports on their XXXX reviews saying the same thing about being on hold and then hung up on. I believe this is intentionally done to make it difficult for debtors to pay off their debt. It seems predatory and should be illegal.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
EQUIFAX has several violations that Ive notified them of via certified mail, fax, and CFPB portal. All efforts to rectify the situation have gone unanswered and EQUIFAX is now in violation of the FCRA due to willful negligence! Ive recently sent in an affidavit notifying them of the several violations and and EQUIFAX is civilly liable due to the ongoing negligence. EQUIFAX has also been notified of all the inquiries that need to be removed and EQUIFAX refuses to remove them even though theyve been provided with the necessary documents to do so. EQUIFAX is in clear violation of my consumer rights and this is irresponsible for them to continue with improperly reporting information on my consumer file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
T

o whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. I retrieved a copy of my credit report and discovered inquiries that I have no knowledge of. Because I did not apply for credit with the lender and/or creditors below, I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the inquiries to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if the below lender/creditors are able to prove that the inquiry is indeed valid, please provide written proof and a descri
ption of how the investigation was conducted. 

Thanks in advance for your prompt attention to this matter XXXX XXXX XXXX2021XXXX XXXX 2021 XXXX XXXX XXXXXXXX XXXX XXXX/2021XXXX  XXXX , 2021 XXXXXXXX XXXXXX/XX/XXXX/2021XX/XX/XXXX 2021 XXXX XXXX XXXX XX/XX/XXXX2021XX/XX/XXXX 2021 XXXX XXXX XXXX XXXX  XX/XX/XXXX2021XX/XX/XXXX, 2021 XXXX XXXX XXXX XX/XX/XXXX/2021XX/XX/XXXX, 2021 XXXX XXXXXX/XX/XXXX/2021XX/XX/XXXX XXXX 2021 XXXX XXXXXXXX XXXX XXXX  XXXX/XXXX/2021

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 2022-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Copper repeatedly sends me threatening letters to purchase insurance on my home. My home has had continuous insurance coverage with XXXX. XXXX has been my insurance company for more than 30 years. 

I'm tired of the harassment and threatening letters. 

Mr. Cooper should be contacting XXXX to resolve the situation. Apparently they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
A third party has contacted me numerous times about a debt that was previously paid. They continue to call on a monthly basis, threading and harassing me. 
Ive asked the repeatedly where they got the information. They state it came from Santander, but Santander denies this, says the debt is NOT owed, and doesnt know who this company is.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ascendium Education Group
State: SD

Complaint narrative:
2 of my loans say that XXXX dollars were dispersed ... ..yet thousands of dollars are due. My tax return has been taken from me since they went into default and XXXX of that is showing ever having been applies The amount of money my servicer says i owe is ridiculously higher than the website... .with no record of ever having received a payment I am lied to every time I call ... .Is a Federal loan not subject to FDCPA? What Federal agency would i contact to file an FDCPA complaint against the servicers for openly lying to me over and over. Saying that they are department of Ed, no you are a servicer and that is a lie... ..that is a violation of my FDCPA... .they tell me that i should have all my loans cancelled... even sent me the form and had me submit ... .i did ... .they told me that the Department of ED denied my application ... .Lie... .it was them ... ..Department of Ed never saw the application... .the servicers lie , lose payments, give false hope, and take my money. Why should i pay them. By the way its the FTC that manages cases of FDCPA... ..and the servicers claim to record calls for " quality '' i bet that the calls is " lost '' by the time they have to prove how bad they are.

****copy of complaint on department of ed website ****

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I sent my information to XXXX XXXX and TransUnion twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent my information to XXXX Equifax and XXXX twice because two accounts have not been reporting. XXXX Credit Card and XXXX XXXX should be reporting to all three credit bureaus. The first time I contacted all three bureaus was XX/XX/2020 and the Second time was XX/XX/2020. I have contacted all bureaus by phone and mail to resolve this reporting issue and nothing has changed. I have not gotten any feedback from any of the bureaus regarding this matter. I sent in my ID and utility bill to verify my identity now I am escalating this matter the best way I know how.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
XXXX XXXX, Loan # : XXXX Carrington Mortgage Services , LLC XXXX, CA XXXX To Whom it May Concern, I am writing today to complain about Carrington Mortgage and the handling of the COVID-19 Advanced Loan Modification and the COVID-19 Recovery Modification Protections. I was denied for any Protections and said Im not eligible. 
In the Fall, XX/XX/XXXX, I received a letter from Carrington that I would be reviewed for Loss Mitigations Protections and they would notify of their decision, in writing, within 30 calendar days. I never heard back from Carrington. I assumed they were busy during COVID and were behind. I finally called Carrington on XX/XX/XXXX and spoke to an Agent. She was polite, but didnt seem to understand what was happening. She researched this, and stated that they are researching my property title and are behind in paperwork. I waited and finally called Carrington again on XX/XX/XXXX. I asked for a supervisor and spoke to XXXX XXXX, # XXXX. We reviewed my application, and she even discussed with her supervisor, but stated that I cant achieve payment savings because of my loan amount and Im not eligible. She was polite, but stated that Carrington reviewed my application last Fall were it was denied. I waited for 7-8 months to hear about my status. Even on my online account, Carrington listed my status on COVID-19 ALM as Submitted, but no other information. XXXX finally stated that my only option for help was to go through Carringtons traditional Modification process outside of COVID-19. As everyone knows, this requires 5 pages of detailed information about income, assets. Most of these are denied.

The purpose of the COVID-19 ALM and the COVID-19 Recovery Modification was to help millions of Americans during the pandemic to save their home. My financial problems did occur prior to COVID-19 in XX/XX/XXXX. However, I studied FHAs/HUDs Mortgage Letter XXXX dated XX/XX/XXXX. There are 86 pages of multiple options to get a Modification. They do not require any detailed requirements or documents. I would appreciate your help. 
XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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 — Problem with personal statement of dispute
Company: AmeriCollect
State: CA

Complaint narrative:
I got admitted into the hospital of XXXX XXXX  in XXXX Nv. When the insurance paid my portion of the bill the was a remaining balance to be Paid the original balance was {$1400.00} and I was making payments for 3 months and they stopped billing me and sent it to collections with my notice and ruined my credit rating I had a sore of XXXX and now its XXXX from one occurrence and no notice it was going to collections so what I would like to happen to finishing paying my bill and have the negative credit score on my file and to get my score back. Americollect should have not done this it shows I have a balance of {$790.00} but they didnt give me the opportunity to finish paying it back, what they did was dishonest!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14 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:
The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed.

I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX XXXX is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is reporting an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.

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 2022-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit Bureaus are reporting incorrect information on my credit report. I have tried numerous times disputing and nothing has changed. 
I am currently enrolled in a Debt management program ( XXXX XXXX XXXX ) that settles account for less money with agreement from the creditor who owns the account. 

1 ) XXXX sold the account to XXXX which was sold to XXXX XXXX XXXX and was settled for a lesser amount of {$830.00}. This account is being paid every month and will be paid off XX/XX/22. As for credit reporting, apparently XXXX has reported. Under CRA guidelines, XXXX should delete their reporting, even though they now own the debt, as they are no longer the active debt collector. 

2 ) XXXX XXXX Bank is actively being paid to XXXX XXXX XXXX for a lesser amount of {$760.00} which is the same situation XXXX is reporting an incorrect amount. XXXX XXXX XXXX is the authorized, active collection authority. XXXX need to delete their reporting even though they now own the debt, but no longer the active debt collector. The offer to accept the settlement offer from XXXX XXXX XXXX with the added stipulation that they agree not to report their collection to any Credit Reporting Agency.

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