vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-13 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: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
NATIONSTAR/MR COOPER ACCT NO XXXXXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY XXXX   AND XXXX  CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF AURORA BANK ( AQUIRED BY NATIONSTAR/MR COOPER ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM AURORA/NATIONSTAR. 
XXXX ... ../SPOC AT AURORA BANK XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX-XXXX-XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT AURORA.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
Recently, I requested a ( long form - vault copy ) of my XXXX birth certificate. I was encouraged to use an online service. Which is endorsed by the XXXX Vital records department. ( VitalChek ). 
During the verification process I was asked a series of VERY Specific questions about my history. One question asked about a bank loan/court/mortgage WHICH I HAVE NO KNOWLEDGE of. I asked VitalChek about this mysterious question. They said these questions are public record. Whats my next step? It sounds like fraud or bankruptcy. 
Please note : I am not upset with the vendor. I want to find out more about the record. 

How do I research this further? Currently, I am in XXXX. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: NV

Complaint narrative:
XXXX/XXXX XXXX ACCT NO XXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY XXXX AND EQUIFAX CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF XXXX XXXX ( AQUIRED BY XXXX XXXX ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM XXXX/XXXX. 
XXXX ... ../SPOC AT XXXX XXXX  ,XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT XXXX.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX/XXXX  XXXX ACCT NO XXXXXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY EXPERIAN AND XXXX CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF XXXX XXXX ( AQUIRED BY XXXX/XXXX  XXXX ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM XXXX/XXXX. 
XXXX ... ../SPOC AT XXXX XXXX  ,XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT XXXX.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.

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 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BB&T CORPORATION
State: FL

Complaint narrative:
XX/XX/19 I had a direct deposit of $ XXXX deposited. 
XX/XX/19 the $ XXXX direct deposit was available in my checking account. Around XXXX I paid some Bill 's via ACH/account number. I attempted to pay a person/company I owed {$770.00} through XXXX. ( The bank policy says you can send up to $ XXXX per day ). The transfer deducted from my balance, but was pending. The transfer, a few minutes later, gets rejected. I then stop making attempts and log off. 
XX/XX/19 I log on to make sure the Bill 's I paid were deducted only to find my online access is locked, I call and phone access is locked as well. I can not reach anyone live so I call a local branch and the rep woman has an attitude and wont give any info on what's going on with the account. They never sent an email, voicemail, call, text alert, online notice or message and no written correspondence. 
XX/XX/19 all of the Bill 's I paid via ACH are returned NSF and I am charged {$35.00} fees on all of those Bill 's even though I had {$4000.00} available and did not go over paying the bills. 
They closed my account and never mailed me my {$4000.00}. I still have not gotten even a letter saying their intent to close my account or my money that was direct deposited.

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 2019-11-13 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: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : XXXX XXXX XXXX : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX Wakefield & Associates : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : XXXX XXXX XXXX : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : XXXX XXXX XXXX : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : Credit Collection Services : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I applied at Wells Fargo for a home loan for XXXX. I XXXX XXXX XXXX and I wanted to move to Florida. I finally found a house under XXXX so I immediately jumped on it Wells Fargo said 3.6 interest rate than a week before closing they decided this is an investment property even though I'm living there more than 9 months out of the year. XXXX XXXX XXXX than changed the interest rate a day before closing to 6 percent. Than I called them to figure out why and they said no was reason to do that and they will change it back. Now they have it at 5 percent and made me extend the closing and the seller almost walked away. They literally try to ger XXXX extra on a XXXX house and than got caught and now they are jerking me around. My son 's wife is pregnant and she was suppose to move in with me but they are trying to take advantage of women not looking at the numbers for interest rates. 
XXXX XXXX also called me and tried to make it seem like all they did was change the closing costs but they XXXX  107 interest rates. I have all documents to prove they tried to take advantage of the elderly and women

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 2019-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
A fraudulent check was deposited into my checking account for over 9k in XXXX. I was told by deposit services that it would be investigated and the check was deposited from PA. I do not know anyone in PA or live there. I was informed that it was not properly investigated. It caused my account to go into a negative balance that was suppose to be disputed in XX/XX/XXXX. The call was disconnected and I never got a call back. I was never informed by USAA that my account was being charged off, I never got a letter from them to my house. On XX/XX/XXXX the VA accidentally sent my VA benefits amount XXXX to the wrong account and I have been I contact with the bank since XX/XX/XXXX and was informed multiple times that I would be receiving my benefit check in 3-5 days every time I spoke with them. I was told Monday XX/XX/XXXX a check was mailed out but they were unable to provide me with a check number or tracking number. I was informed yesterday XX/XX/XXXX it wouldnt be until XX/XX/XXXX until receive my benefit check. I am now late on my rent and I have a XXXX yr old with XXXX XXXX who is also XXXX XXXX and XXXX XXXX. I have been unable to take her to dr appts due to not having the funds for her copays. I have been told that it is being expedited but there is no movement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank has a promotional program called Chase Offers that provides special cash back on purchases made with a Chase credit card at selected merchants. The amounts of cash back vary but are usually between 5 % to 20 %. In XXXX, Chase gave me an offer of 10 % cash back on purchases up to {$70.00} at XXXX XXXX, a supermarket chain. In my county, XXXX XXXX County, California, XXXX 'XXXX  stores are all named XXXX XXXX XXXX. There are no stores actually named " XXXX 's '' anywhere in my county or on the XXXX XXXX XXXX ; they are all named XXXX XXXX XXXX. XXXX 'XXXX  stores have various names depending on the area they are located in, such as XXXX XXXX XXXX, XXXX XXXX, or XXXX 'XXXX, but they are all part of the same company. The company 's single mobile phone app even shows all three names. Therefore, I assumed that the Chase Offer at XXXX 'XXXX  would apply to purchases at XXXX XXXX XXXX, given that there are no actual stores named " XXXX 'XXXX  '' in my area. I made a {$70.00} purchase on my Chase credit card at the XXXX XXXX XXXX supermarket on XX/XX/2019, expecting to receive {$7.00} cash back for the Chase Offer. But Chase denied the cash back, saying the purchase had to be made at an actual XXXX-named store. I asked for an escalation, but they never responded. I feel their promotion was very deceptive, given that they made me an offer that I could not actually fulfill in my area, and that I was tricked into making my purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I checked my credit and saw an account for navy federal for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with navy federal except a checking and savings account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: GA

Complaint narrative:
Fraudulent inquires were posted on my TransUnion account. I disputed them by mail, to TransUnion and later received a letter back. To tell me that they are remaining and will be updated ...

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 2019-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX  except a checking and savings account.

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 2019-11-13 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:
I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX  except a checking and savings account.

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 2019-11-13 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:
I checked my credit and saw an account for XXXX XXXX  for {$9900.00}. I have no knowledge of this account and it DOES NOT belong to me. I am not an authorized user on any accounts pertaining to XXXX XXXX. I did not co-sign for any loans, credit cards, or anything else. I do not have any products with XXXX XXXX except a checking and savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
XX/XX/XXXX I was notified that my escrow evaluation anticipated a shortfall of approx XXXX dollars ... .of course an increase was also applied to adjust for their anticipated shortfall ... and the allowed us to pay the short fall which we did ... and this would carry through until review again in XX/XX/XXXX ... .well I was just notified that I XX/XX/XXXX another assessment was done to " make it better for me, to get me in sync with my escrow payouts '' ... ..and yes as earlier this year another anticipated shortfall of approx. XXXX dollars as well as an increase to my mortgage for a 2nd time this year. When asked if this practice was legal ... .they answered " it's legal as long as we notify you '' ... .Mr. Cooper purchased my loan from XXXX and specified that " NOTHING WOULD CHANGE FROM THE ORIGINAL MORTGAGE AGREEMENT ... EXCEPT WHO AND WHERE THE PAYMENT WAS BEING SENT! '' That's a lie because this is the 3rd time they have changed an agreement signed between us and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-13 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: CT

Complaint narrative:
Fraudulent reporting by Equifax was failed to be remove after I documented and send ftc report along with a police report. The credit beraus refused to delete fraudulent reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13 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: CT

Complaint narrative:
Fraudulent reporting by Equifax was failed to be remove after I documented and send ftc report along with a police report. The credit beraus refused to delete fraudulent reporting

Company response to consumer: Closed with non-monetary relief