vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
XXXX is the email used to submitt documents for relief for finaicial hardship this company claims they havent recived docuemtns in a timely fashion which is inaccurate. i will provide proof that is was sent timely AND this is the second time that this has happened to me and Mr cooper does NOTHING to remedy thier clerical process and records tracking and deny any RESPONSIBILITY after tremendous damage is done. 
point being when this happend XX/XX/XXXX which would have been my first complaint against this company they lost documents and i showed proof that it was submited ONTIME. so enclosed ill show two instances of negligence the prior misrepresentation of the emailed documents they claimed i didnt submit and this last one This happened XX/XX/XXXX ihade until the XX/XX/XXXX to supply documents on the XX/XX/XXXX i wsa denied becasue they said they havent recieved documents. 

WHEN I CHECKED MY ACCOUNT ONLINE THE DOCUMENT WAS SWITCHED initally it said XX/XX/XXXX the one i SAW had the same language but the date CHANGED to XX/XX/XXXX but this one said XX/XX/XXXX??? this was SWTICHED i swear im not going crazy this company is altering docuemtns to for ill intent. even still the doc was SENT TIMELY on the XX/XX/XXXX but as GOD as my witness it said the XX/XX/XXXX this needs to be investigated!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: TN

Complaint narrative:
Last XX/XX/2020 I've file documentation regarding to those unknown and inaccurate accounts that I found on my credit report. It cause me a lot of stress since no response yet its almost 60 days now. Im a victim of XXXX  Data Breach and I demand to REMOVE ASAP those accounts on my credit report or I will file a litigation.

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 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Filo Mortgage, L.L.C.
State: IL

Complaint narrative:
Filo Mortgage ( broker ) is intentionally delaying our closing by asking for last minute documentation. 

The day before our closing I received an email request for documents, which I promptly provided. They cancelled my closing only a few hours before the scheduled time and did not even contact me directly. The sent an email to inform me that the closing was being rescheduled. 

I believe they are intentionally trying to run out past my lock date to increase the interest rate on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
please refer to attachments provided. 

I need proof that my very OLD equity loan from 2007 with National City Bank is satisfied/closed as I am selling our house and it is critical for us to have proof of this as their is a lien on my house. We can not leave this unresolved. There is no record of reconveyance or discharge in the public records. 

PNC Mortgage/PNC Bank phone # XXXX has on record that closed account # XXXX acquired National City Mortgage/National City Bank. In contacting PNC, they said my loan was transferred to XXXX. After contacting XXXX  ( XXXX research dept XXXX confirmation # XXXX ) THEY do NOT have my loan information nor do they have any information of a merger or loan transfer with PNC Mortage/PNC Bank or National City Mortgage/National City Bank. PNC Mortgage/PNC Bank provided me with incorrect information and wasted my time. I believe the loan was satisfied before PNC acquired National City Mortgage and I just need a letter from PNC that this loan is closed and satisfied. They said that since National City is dissolved there's no way to acquire this. I have spoken to multiple representatives XXXX none of which has been able to help me obtain the information I need. They keep escalating it to their research department who conveniently can NOT be reached or contacted directly EVER. There's never anyone I can speak to to get what is I need. Since they acquired National City Bank, they are responsible for getting me this information and they have been uncooperative. No one I speak to can give me a direct answer and it to be sent to someone else. That someone else can't ever be reached directly and their research people only have the ability to direct me to a bank that does not have my loan information that PNC claims was transferred to them. I have been spoken to numerous people with no avail and have completely wasted my time in this effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: LA

Complaint narrative:
The boat was totaled on XX/XX/XXXX due to XXXX XXXX. XXXX XXXX has sent US Bank a check 3 times. XX/XX/XXXX, XX/XX/XXXX, and XXXX. US Bank refuses to cash the check and pay off the loan. I have called consistently for four months trying to get this problem resolved and no one from the company will help or call me back to tell me why they will not cash the checks.

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 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
In XXXX of 2020, I applied for a refinance loan through Quicken Loans. I was told by the loan officer that I was approved. Quicken Loans sent a Home Appraiser to my home to inspect and appraised. Quicken charged me {$500.00} ( which I eventually got back ). I filled out voluminous amounts of paper work which took my wife and I hours and then faxed over documents at night because " speed was of the utmost importance ''. I was on the phone with the gentleman 2-3 times a day and then ... ..nothing. Not even an email. I called and sent emails for days. Finally, a loan officer said that there was a mistake and I could not be approved at this time, but I could apply again in a few months. I asked to speak with the initial loan officer and they would not let me, They told me that it was a mistake on his part and would be taken care of " internally ''. I will NEVER contact this company again. I reported them to the XXXX  as well as the Michigan XXXX. I have no idea how they win XXXX XXXX awards. I no longer trust that company as well. In addition, I was repeatedly lied to by representatives of their company. When I brought this to their attention, they did not do ANYTHING, not even trying to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT

METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW! I demand the following accounts be verified or removed immediately

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 2021-01-07 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and NOW!

I demand the following accounts be verified or removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
Flagstar Bank is the mortgage servicer for one of our investment properties. They recently changed their policy and no longer accept payments from business checking bank accounts. As this is an investment property there are only business accounts associated with this property and now we are being forced to pay with a personal account and reimburse ourselves from the business account. This creates an undue burden to our CPA/Tax Accountant and in filing our taxes.

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 2021-01-07 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: CO

Complaint narrative:
On XX/XX/2021 I have sent in my Identity Theft Report to XXXX, XXXX, and Transunion to inform them of items that need to be removed and deleted from my credit report.

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 2021-01-07 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: CO

Complaint narrative:
On XX/XX/2021 I have sent in my Identity Theft Report to XXXX, Equifax, and XXXX  to inform them of items that need to be removed and deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
REAL TIME RESOLUTIONS PLACED A LIEN ON MY PROPERTY FOR A MORTGAGE DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/2011. THIS DEBIT/LIEN WAS WIPED OUT AND THEY CONTINUE TO HAVE THE LIEN ON MY PROPERTY WITH INTEREST ACCRUING AT 8.12500 %!!!! THIS PROPERTY HAS ZERO EQUITY-ZERO!!!!! I'M UNDERWATER ON THIS PROPERTY, AS THE 1ST MORTGAGE IS MORE THAN WHAT THE PROPERTY IS WORTH!

THEY HAVE NO LEGAL RIGHT TO PLACE THE LIEN, ENFORCE THE LIEN, COLLECT ON THE LIEN, OR ANY OTHER LEGAL INSTRUMENT, AS THEY DO NOT LEGALLY OWN THE DEBT, NOR THEIR " CURRENT CREDITOR '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
*CHXXXX BANKRUPTCY DISCHARGE, ALONG WITH QUALIFIED WRITTEN REQUESTS AND REQUESTS FOR VERIFICATION OF DEBT HAVE BEEN IGNORED* THUS PROVING ZERO OWNERSHIP, OR EVEN THEIR ABILITY TO LEGALLY ATTEMPT TO SERVICE. THIS DEBT WAS CLEARED IN BANKRUPTCY, YET THEY CONTINUE TO TRY AND COLLECT! 
THEY NEED TO COMPLY WITH THE BK DISCHARGE, REMOVE THE LIEN AND HALT THEIR DEBT COLLECTION AND HARASSMENT PRACTICES. 
THEY ARE IN VIOLATION AND NON-COMPLIANCE OF RESPA AND TRUTH IN LENDING ACT REQUIREMENTS. PLEASE INSTRUCT THEM ON THEIR FRAUDULENT PRACTICES AND REMOVE THE LIEN!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NC

Complaint narrative:
I received a letter on XX/XX/2020 from a firm called Jefferson Capital Systems LLC stating that they were the new owner and creditor for my " referenced account. '' The referenced account was listed as " XXXX ACCOUNT. '' After reviewing my e-mails and XXXX and XXXX accounts, I was not able to determine what the balance was from as I had not received any e-mails from XXXX notifying that I had a balance that needed to be paid. The only notification I received was an e-mail on XX/XX/2020 from XXXX stating that my balance had been sold to the creditor Jefferson Capital Systems LLC.

The letter sent by Jefferson Capital Systems LLC dated XX/XX/2020 states that payment of the amount of debt must be paid within 30 days to avoid reporting on my credit report, and subsequent damage to my pristine credit history. 

The reason that I am writing a complaint for fraud is that balance in question had already been paid to XXXX in XX/XX/2020. There was not attempt by XXXX/XXXX  to notifying me of the balance they sold to Jefferson Capital Systems LLC of " Balance : $ XXXX '' as stated in the e-mail they sent notifying me of the sale of the balance on XX/XX/2020. 

While I was initially unaware as to what this balance could be when receiving the letter from Jefferson Capital System LLC, I determined that it was from the sale of a pair of shoes on XX/XX/2020 and the associated fees with the sale that created the alleged past due balance were paid prior to my transfer from XXXX to my bank account. 
In this case, I believe that XXXX  and Jefferson Capital Systems LLC are both fraudulent operators. XXXX XXXX fraudulent activity including the sale of accounts receivables to J

efferson Capital Systems LLC in which they had already received payment from the initial customer. I believe that Jefferson Capital Systems LLC is behaving fraudulently by knowingly pressuring customers of PayPal who have had their fraudulent " balances '' sold to Jefferson Capital Systems LLC to pay these balances immediately due to the creditor 's threat of causing of harmful implications to consumer credit reports and scores if their payment is not made within 30 days of notification of the Jefferson Capital System LLC 's ownership of the balance and request for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 — Was not notified of investigation status or results
Company: TRUIST FINANCIAL CORPORATION
State: CT

Complaint narrative:
I mailed a dispute letter to XXXX  and XXXX  on XX/XX/XXXX regarding 3 accounts on my credit report. I was notified within 15 days that the account was verified. I than sent a certified letter to both companies requesting a method of verification on XX/XX/XXXX. As of XX/XX/XXXX I had not received any correspondence. I called XXXX  directly and spoke to " XXXX and " XXXX '' and was told by both managers that I was not allowed to receive verification ( a FCRA violation ) and that they communicated with the furnisher electronically and have not gotten any verification if this account was actually mine. As of XX/XX/XXXX, I have contacted my local smalls claims court to file a claim for clear violations of my consumer rights. I have been asking for verification of these accounts for several months and it has been futile. Please advise

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 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: KEYCORP
State: CT

Complaint narrative:
Funds are electronically transferred into. Key Bank checking account on the XXXX of each month. Key Bank posts the fund up to 5 days late if it is aFriday and a Holiday weekend. 
This has generated overdraft fees in XXXX of $ XXXX dollars and in XXXX of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am assuming that the bureaus have been busy and haven't had a chance to my dispute letter yet Its been over 60 days since i sent in my dispute regarding inaccurate items on my report and I still have not received any response yet To be exact on XX/XX/2020 I sent in my dispute via certified mail. I feel like my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days I demand these accounts be deleted immediately. I would like to add that my information was impacted by the XXXX  data breach. This is possibly an explanation of the inaccurate items on my report please help me solve this manner as soon as possible.

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 2021-01-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
After checking the IRS get payment tool, I learned that my stimulus was to be deposited into my American Express Personal Savings account on XX/XX/XXXX but I didn't receive it. I called customer service to see if there was an issue or to get the reason the payment hadn't posted to my account. I was told that a bank error caused my stimulus to be rejected and sent back to the IRS. 

My first stimulus was successfully deposited into the account back in XXXX, but I had an issue when I attempted to transfer it to an external account. I called customer service and I was told that I needed to verify the external account I recently added. I did, and I was told that the hold had been removed from my account. I did successfully transfer that deposit so I didn't think there were any further issues. 

However, today when I contacted support to inquire about the status of my most recent payment I was told that the hold from XXXX had not been cleared in error and that my stimulus deposit was returned to the IRS. I am desperate for assistance in getting this corrected.

Company response to consumer: Closed with monetary relief