vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I was seeking to refinance an existing long term loan following many offers to do so from the company, Mr. Cooper. I had problems with an inadequate appraiser but then it was redone correctly. I was approved easily and loan moved forward then it went to a nameless, faceless underwriter. I sent in more and more paperwork, much of it repeating that sent originally. At every step I had to call on progress as I was not informed as time passed. Finally the underwriter determined that I did not live in the house I live in. He based this on one paycheck going to my rental property. I produced the lease on the rental property. I complained and was told by two persons it could be corrected and it was not. Finally I was told there was nothing could be done. 

The persons involved are XXXX XXXX, XXXX XXXX and XXXX XXXX. I complained politely and worked unceasingly to resolve this matter to no avail over 3 months.. 

Again this is a refi of an existing loan with same company.Now I ahve to start all over with another firm to get away from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect
State: WI

Complaint narrative:
I filed a complaint 2 weeks ago. Stated I never received a letter within the 5 days of initial contact like federal law states. After the company received my complaint they then sent me a letter of my debt, approximately 4 months after the initial call. I have received 17 accounts they claim are owed. 13 of those 17 are not my debt. They are not under my name. Furthermore I still have not received a statement describing my right to dispute the debt. Federal law states they must send me this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On yesterday the XXXX I attempted to use the app but it gave me a message telling me that PNC has made a change that prevents the app from Linking my account and I would just like this resolved as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
On XX/XX/2020 i agreed with the XXXX XXXX that they will reduce all my fees, charges to $ XXXX.They have taken into account this {$74.00} on XXXX Statement.I was sure that everything on XXXX statement will ok.But I am wrong.they gave a next fee of {$160.00}. 
I have no idea for what it is.After 3 months of peace they start again dirty games and try to ripp me off on {$1600.00}. 
This company is the bigest bull shiit in usa and never should be on the usa market.This is a shame that such XXXX company exsist,

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 2020-06-27 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a credit card issued by Bank of America for 6+ years. I always paid on time, was never late or delinquent. Never had any problems. All of a sudden and without any prior notice the bank closed my account. They sent me a letter a week after the fact.

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 2020-06-27 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
In early XXXX, XXXX I returned a phone call from Firstsource Advantage , LLC looking to settle a debt I owe XXXX XXXX. This was used as a business from business I owed that is now defunct. I made on offer to settle the outstanding balance of XXXX to XXXX XXXX. After a discussion about what was an acceptable amount, I told the agent at Firstsource that I could settle for {$2800.00} ( letter provided ) at the end of XXXX. He stated he would discuss my offer amount with XXXX XXXX. About 10 days later I received a letter offering to settle for {$2800.00} if paid by XX/XX/2020. The amount was paid on XX/XX/XXXX and acknowledged in the second letter I have provided. I called on XX/XX/XXXX to Firstsource as the second letter states that I still owe a balance of {$8900.00}! 
They are now claiming, from my recent phone call, that the amount agreed upon IN WRITING is not enough to settle. Please contact them and have them send me a " Paid in Full '' or settlement letter to close this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A.
State: WV

Complaint narrative:
Unable to connect to XXXX to deposit funds into my trading account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: MI

Complaint narrative:
I wrote to the TransUnion credit bureau, File # XXXX and disputed items from US Dept of Education and and XXXX XXXX XXXX XXXX on XX/XX/2020. The credit bureau did not remove the items. Also, XXXX and XXXX credit bureau is reporting same incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I contacted NewRez, LLC, about obtaining a temporary deferment of my mortgage payments. I was told by the gentleman I talked to that my FHA loan with their company did not qualify. According to the FCPB website, it does- " You are entitled to mortgage forbearance if you have a federally or GSE-backed mortgage and you are experiencing financial hardship due, directly or indirectly, to the coronavirus national emergency. '' They have no knowledge of what I am experiencing because they didn't ask any questions to see if I do qualify under the FCPB guidelines. It is one thing to deny me based on my circumstances and another to just ignore the request. I mentioned that my loan does in fact qualify but that fell on death ears. I also mentioned that according to your website repayment of the deferred amount can be done in 3 ways. One of which the total amount can be added to the end of the loan. The gentleman I talked to said he could not answer that until I was in a forbearance situation. He indicated that most likely, the amount due would be due and payable once the deferment period is over. If a person is struggling now, how do they expect repayment after the deferment period? In my opinion, NewRez is only concerned about their interests and they want their money immediately. This does not help is this situation. If this is the way they conduct business, heaven help those who participated in their program because they stand a chance of loosing their home for non payment or at least have their credit ruined forcing them to stay with NewRez. 
( At the bottom of the mortgage statement it indicates that temporary assistance may be available. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
In early XXXX, XXXX I returned a phone call from XXXX XXXX, XXXX looking to settle a debt I owe American Express. This was used as a business from business I owed that is now defunct. I made on offer to settle the outstanding balance of XXXX to American Express. After a discussion about what was an acceptable amount, I told the agent at XXXX that I could settle for {$2800.00} ( letter provided ) at the end of XXXX. He stated he would discuss my offer amount with American Express. About 10 days later I received a letter offering to settle for {$2800.00} if paid by XX/XX/2020. The amount was paid on XX/XX/XXXX and acknowledged in the second letter I have provided. I called on XX/XX/XXXX to XXXX as the second letter states that I still owe a balance of {$8900.00}! 
They are now claiming, from my recent phone call, that the amount agreed upon IN WRITING is not enough to settle. Please contact them and have them send me a " Paid in Full '' or settlement letter to close this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Applied for special Amazon PRIME visa signature card to get the discounts. I spend thousands of dollar annually and deserve this discount card. 
Chase bank lied about my credit profile. I ran may credit report and have NO late payments, All credit cards are paid on time. Balances in line. No Adverse factors. 
Have a public record which cleared 10 years ago, and have XXXX credit score per their letter. Chase is discriminating against me because of by age. Please advise next course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: FirstPoint Collection Resources
State: NC

Complaint narrative:
There is a XXXX XXXX XXXX that is very old. We have tried to get that off of XXXX, XXXX and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from XXXX. 

Also, It is bringing the score down. We tried to get a lower interest rate, but XXXX keeps this on there. 

There is also a Collections from First Point Collection from XXXX. We have tried to get this off, because we never received a bill from XXXX. First Point Collections keeps that on there. It is not ours. This is {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There is a XXXX XXXX XXXX that is very old. We have tried to get that off of Equifax, XXXX  and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from 2012. 

Also, It is bringing the score down. We tried to get a lower interest rate, but Equifax keeps this on there. 

There is also a Collections from XXXX XXXX XXXX from XXXX. We have tried to get this off, because we never received a bill from XXXX. XXXX XXXX XXXX keeps that on there. It is not ours. This is {$180.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I call Santander collector Department XX/XX/2020 and XX/XX/2020. Iam being unfairly treated .I covered this with a representative on the places and was assured I would see no late payments. This impacting my ability to get my mortgage.

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 2020-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
TJX Rewards ( Synchrony ) states they offer 90 days relief due to COVID-19, but will only defer 2 monthly payments. I spoke with XXXX employee ID XXXX on Saturday XX/XX/XXXX who informed me there is nothing they can send me in writing outlining the terms of Synchronys COVID-19 relief program, or that my 90 days relief had been used, that they could only send me another copy of my statement. The pandemic is still ongoing, hundreds of thousands of people are still out or work, and TJX Rewards/Synchrony does not have anything in writing to provide their customers who theyre offering 90 days/3 months relief to, but in all actuality are providing 60 days and demanding the 3rd monthly payment. There would documentation attached to this complaint if the financing bank was able to provide any, but they have stated and maintained that there is no documentation that they can send to their consumers.

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 2020-06-27 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: MI

Complaint narrative:
I wrote to the XXXX  credit bureau, File # XXXX and disputed items from US Dept of Education and and XXXX XXXX XXXX XXXX on XX/XX/2020. The credit bureau did not remove the items. Also, XXXX  and Equifax credit bureau is reporting same incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I got the card from PNC bank it is a prepaid Visa Debit card. They changed the terms and conditions 6 months later and in there terms state that they are permitted to breach the previous terms in the contract and sell my information. They breached the contract and claim that they can collect and give my information to any 3rd party or affiliate and told me that I can't limit there sharing. I also noticed my credit score went down but I have no new accounts and wonder if this is the reason. Attached is the contract that was mailed to me in XX/XX/2020. The card is the property of PNC Financial Services Group. pnc.com/smartacess.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I requested kindly that CREDENCE RESOURCE MANAGEMENT provide legal documentation regarding information transmitted to the credit reporting agencies for me. With regard to the asserted account XXXX. I am asking for a contract between myself and CREDENCE RESOURCE. I hereby request that your company delete this account from my credit report and stop all contact with me. Pursuant to the Fair Dept Collection Practices Act, 15 U.S.C. section 805. You are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. CREDENCE RESOURCE is trying to collect on a account and enforce a claim that I do not recognize ever doing any business with CREDENCE RESOURCE. Should you not be able to provide such lawful documentation during this reasonable period, any information communicated by CREDENCE RESOURCE should not be deemed truthful and may bespeak your disregard for consumer protection statuses. Please delete this fraudulent account at once. I also havd an active fraud account from XXXX XXXX XXXX for account CREDENCE RESOURCE MANAGEMENT as I have never had an account of done any business with his company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I am unable to transfer USD from my PNC bank to my bank in XXXX, using the XXXX  service. I am unable to link the PNC account to the XXXX. Please see attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc.
State: TN

Complaint narrative:
On XX/XX/2020, I requested copies of the promissory notes for my loans serviced by Firstmark Services. I received a message dated XX/XX/2020, that I can expect to receive the copies via email within the next 30 days. I had not received them within that time frame. I then followed up by phone with Firstmark on XX/XX/2020. The request was apparently resubmitted. I still have not received these documents to understand the terms of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Graduated in XXXX, had $ XXXX of private student loan debt. The company I had originally was sallie Mae. The debt was sold three times to ultimately navient in XXXX?. From XXXX i had been ordered to Pay {$1300.00} a month. When navient took over the loan they stated my loan balance was {$170000.00}. 

I have Contested this for years, they have destroyed my credit. I have Hired Attorney, I am A victim by whomever sold these loans to them! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27 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: FL

Complaint narrative:
SOMEONE STOLE MY IDENTITY AND USE MY SOCIAL SECURITY NUMBER AND SUMMITED SEVERAL FRAUDULENT APPLICATION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2020-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Using XXXX, on-line payroll management program for my business, and PNC Bank won't allow it to link.

Company response to consumer: Closed with explanation