vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
Mortgagor - Mr. Cooper Mortgage # XXXX Mortgagee - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Conventional Home Mortgage Problems with Payment Handling and Payment Information I scheduled a partial payment via the Mr Cooper website XX/XX/2021 for {$750.00} from my account at XXXX XXXX XXXX. 
This payment was rejected by XXXX on XX/XX/XXXX for NSF. 
I saw this transaction information on the XXXX website the morning of XX/XX/XXXX. 
I made a cash deposit to have more than enough funds in the account for a second ACH attempt for this payment. 
I had no evidence of a second attempt for this payment. 

I contacted Mr Cooper customer service on XX/XX/XXXX, inquiring - - how many attempts are made to make a NSF transaction whole - when does this attempt occur - informed Mr Cooper that there was sufficient funds in FCCU to make transaction Mr Cooper rep on the phone told me - - we make two or three attempts - these are made within 48 hours.

I was told it was needed {$2200.00} in total to make one complete mortgage payment. 

Representative did not inform me that the partial payment 'in limbo ' would not be made a second time. 

Based upon the information I had on XX/XX/XXXX, I made a partial payment of {$1500.00} - that plus the {$750.00} previous NSF attempt - to be made again - would be my payment. 

On XX/XX/XXXX I find that no second attempt on the {$750.00} was made - I made a 90 minute phone call only to be told that Mr Cooper is blameless. 

If Mr Cooper Customer Service had told me of the sequence of events on XX/XX/XXXX, then I would not have been late on mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: CA

Complaint narrative:
This account was not charged off and was paid in full at the time of closure. The incorrect balance being reported is XXXX when the balance should be XXXX. The account was not charged off it was paid and closed.

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 2021-06-01 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: NE

Complaint narrative:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: PA

Complaint narrative:
I have received calls and a text message from Frost-Arnett Company informing me that they are collecting a debt in the amount of $ XXXX for a bill I have with XXXX XXXX XXXX in XXXX, Pennsylvania. I have never received anything in writing in the mail from Frost-Arnett. Today, I contacted XXXX directly and was informed that I had no billing pending or in collections. I believe this is likely a scam. However, I am a patient of XXXX, so I don't know how they came about that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: PA

Complaint narrative:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I was recently granted a loan modification. I just finished with the trial period and received the details of the loan modification agreement. First my interest rate remained at 6.25 %. But even more egregious was the fact that they are charging interest on an advance of {$6000.00}. In the end, my monthly payments are about {$200.00} more than I was originally paying prior to the modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Hello, I recently attempted to refinance my home mortgage to take advantage of these low interest rates and to help reduce my monthly payment. However, after speaking with my loan officer it became apparent that a couple late mortgage payments I had in early 2020 were negatively affecting my mortgage offers and severely impacting my credit history. I was unaware at the time that I had an option to take a forebearance on my mortgage to help me avoid these impactful hits to credit. I, along with countless others at the time early in the pandemic, were not in a good place financially and that assistance could have been tremendously helpful, had it been offered to me. It is my belief that my mortgage company Suntrust ( Truist? ) should have reached out to me specifically for this relief. I spoke with several Suntrust reps on the phone to make my late payments in XXXX, XXXX, XXXX, and XXXX and I was never offered that assistance, even though I was clearly struggling to get out of the late payment cycle. I hope you are able to look into my claim and if possible find a reasonable remedy to help alleviate these late payments that are negatively impacting me to this day. Thank you for any and all of your assistance.

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 2021-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: SRA Associates, Inc.
State: GA

Complaint narrative:
SRA Associates out of New Jersey promised to produce a full release of responsibilities in writing 24 hours after confirming a {$5000.00} payment to settle a collection. 72 hours later and no such letter has been received. This company has no bounds as to what time or location they call the primary account holders and even family that is unrelated to a case. We the people need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I don't know how to go about getting this corrected so I was told to file a complaint if things on my credit were incorrect. My name is XXXX XXXX XXXX XXXX live at XXXX XXXX XXXX XXXX OHIO XXXX. My DOB XXXX My SS # XXXX. I found an incorrect spelling of my name ( XXXX XXXX ) not name please delete it. I was looking further into my file I found addresses that I never lived at. Please delete the following unknown addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX PL XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX CT, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NE

Complaint narrative:
I recently found that there are several unauthorized items on my credit report that dont belong to me. I do not have a record of doing business with these companies. Kindly delete these items off my credit report immediately. Further action might involve a consumers rights attorney and a lawsuit. Please remove these accounts as you know they are in violation of the Fair Credit Reporting Act.

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 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I was in correspondence with someone I believed to be the owner of the rental property. Due to Covid they were not willing to meet in person but it seemed like I was talking to the owner. I submitted a security deposit of {$1000.00} on XX/XX/2021 and it went through XX/XX/2021. It was done electronically from RBFCU to XXXX XXXX XXXX. They requested more money before signing a lease. I was able to find the true owners phone number and gave them a call, to find out someone was using their name and rental property to scam people. I contacted local authorities for a case, submitted a report on reportfraud.ftc.gov, and contacted my bank which stated they could not do anything, and contacted the bank the money was sent to which stated they need my bank to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUDIT SYSTEMS,INC
State: UT

Complaint narrative:
Calls from this company started on XX/XX/21. No messages are left. A search on the phone number revealed it was linked to a collection agency. Since there are to many scams going around, I would not call them to disclose any personal information. I placed a complaint on the XXXX. They advised they had sent the validation documentation on XX/XX/21. To date no documentation has been received. When I filed another complaint with the XXXX demanding a copy of the debt, they stated that they sent one before an there was nothing else that could be done. Collection agency was calling spouse 's number. They stated that the number would be removed and the business would remain open.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: MO

Complaint narrative:
The following accounts are not mines, they have been fraudulently placed upon me every since my identity has been compromised. Now these same unauthorized accounts are in ligation. I'm demanding that these accounts be removed immediately. 

1. XXXX XXXX XXXX {$240.00} 2. XXXX XXXX XXXX {$750.00} XXXX. XXXX XXXX XXXX {$250.00} 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX {$6400.00}

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 2021-06-01 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:
There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my 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 2021-06-01 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:
There are 15 accounts on my credit report that do not belong to me I have tried disputing this with the bureaus to no avail they will not help me I have tried reaching out to the furnishers with the contact information on my credit report and they are not getting back to me I need help to remove these from my credit report since they do not belong to me in any way!!! 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX CARD Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care 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 explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: Massachusetts Educational Financing Authority
State: DE

Complaint narrative:
I applied to refinance my private student loan with MEFA and was denied. The reasons for the denial are unacceptable. My credit score is XXXX. They stated that I do not meet their minimum qualifications. There is no explanation what exactly they based their decision on.. I believe they denied my application due to age discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
XXXX, On XX/XX/XXXX i transfared XXXX XXXX XXXX  ( XXXX ) XXXX from my XXXX XXXX XXXX hardware wallet to my Coinbase account. 

I received a transaction conformation ( attachment # 01 ). 

My XXXX XXXX XXXX XXXX are gone of my XXXX  XXXX  XXXX but never received this Funds on my coinbase account ( attachment # 02 ). 

I opened a case with conbase customer suport on XX/XX/XXXX ( Case # XXXX XXXX Unfortunately i just get automated emails saying please be patience ( attachment # XXXX ). 

Thank you very much for your help,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
My old credit card account with XXXX XXXX was paid in full and closed by me. However on my credit report it still displays a current balance and is reporting as a charge off, my account was never charged off and any fees or payments on the account was paid in full at the time of closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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:
I AM VERY CONCERNED AT THE FACT THAT EXPERIAN NOR XXXX HAS BEEN ABLE TO RECTIFY THE INACCURATE INFORMATION REPORTING WITH XXXX XXXX. AFTER SEVERAL ATTEMPTS AT TRYING TO REMOVE THE NEGATIVE INFORMATION, XXXX  WENT AHEAD AND WASHED OFF THE INFORMATION BECAUSE THE INFORMATION REFLECTING IS VERY FALSE. I NEED TO RESOLVE THIS ISSUE AS SOON AS POSSIBLE. THIS IS A MATTER I NEED TO TAKE CARE OF AND I WOULD LIKE TO HAVE IT FIXED PLEASE. I HAVE ATTACHED PROOF OF THE ACCOUNT TO THIS CONCERN. PLEASE RECTIFY THE ISSUE 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 2021-06-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies notifying them that they are in violations under the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I feel like this would give me trouble in my futures credit deals, As such I would like this matter to be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01 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: NC

Complaint narrative:
I have contacted XXXX, Experian and XXXX several times concerning the account with XXXX XXXX. The information has always been inconsistent and each time, each bureau stated that either the information was accurate or no errors were found.

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