vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
When Nationstar took over the servicing of the loan from XXXX XXXXXXXX XXXX they started refusing to accept my payments and started send them back to me putting the loan in default. I did everything I could to stop them from doing this, continued making the payments that were stated on the XXXX loan modification from XXXX XXXX XXXX but they still refused to accept the checks that I sent in. They denied that I had made every payment since the beginning of the recorded loan mod even though I sent them all of the checks that XXXX XXXXXXXX XXXX had cashed. 
I had several people try to talk to them including attorneys, fraud investigators, and loan mod companies but they were unwilling to look into their errors and kept denying that there were errors. 
I finally was told by attorneys that the only choice I had was to sue them. I have been in a lawsuit with them for years and the court is now awaiting the results of the case called XXXX XXXX XXXX XXXX and said that they would decide on my case after that case was decided. Nevertheless, Nationstar is trying to sell my house in a trustee sale. It is causing the reduction in value of my house and many uninvited people are coming to my house and calling nonstop trying to buy it for way less than the actual value of the house. Having strange people show up at my house unexpectedly is causing stress to my pets and to me. 
I do not want to sell my house and I plan to stay here as I have put a lot of money into this property and I have lived here for 27 years. I know all of my neighbors and I feel safe here except for the people that Nationstar is causing to come to my house uninvited as they are advertising it for sale on their XXXX   web site. I tried to have them do another loan modification but they will not talk to me or to the loan modification companies who tried to help me put the documents together and submit them to Nationstar. I have tried several companies and they all said that Nationstar will not communicate with them even though my attorney has given them the authorization to talk to these companies. 
They are making it impossible to do anything but sue them. 
Apparently the CFPB and AGs have already sued them for the exact same things in my lawsuit and they settled with them which seems to just give them license to continue with their unlawful ways. This needs to be corrected. 
Nationstar just thinks that they are above the law and if someone does not stop them they will continue to hurt many people.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank made a serious mistake on my 1099-INT tax form this year. This issue was escalated to Citibank Executive Response Unit over a month ago and it was assigned to their representative XXXX. 

Although I received the corrected 1099 tax form from Citibank by mail now, the electronic tax form in my Citibank online account is still the wrong one. I communicated this issue with XXXX many times so far, but it still has not been resolved yet. 

I request Citibank to correct the wrong 1099 tax form in my Citibank online account immediately without any further delay, because I need to file my tax return to IRS now. 

Also I request CFPB to penalize Citibank for such serious banking errors per federal regulations!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: ME

Complaint narrative:
As of XX/XX/2022 - I noticed and reached out to JP Chase Morgan as there is a credit card listed on my credit report totaling {$5300.00}. I never opened this account, nor do I have access to it. This account was opened by way of fraudulence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: LEXISNEXIS
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Lexis Nexis, XXXX, XXXX, and XXXX, have violated my rights. I have also been told previously that it has been verified through the courts which are not true and I have verified with the courts that they do not verify this information with the credit bureaus or any other entities. My rights have been violated under the FCRA laws below and I have the right to privacy. I have asked that this be removed from my credit report multiple times due to the FCRA violations and the inaccuracies that are included. 

15 U.S.C 1681 section 602 A. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions There are also multiple errors on my credit report in regards to this listing such as the reference #, court name, and filing date which violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC
State: VA

Complaint narrative:
This company is called Contract Caller INC, ( XXXX XXXX XXXX XXXX ) open XXXX, placed in collection on all credit reports. I have know knowledge of this company, never had an account with them. The balance they are trying to collect is from XXXX XXXX XXXX XXXX which that account has been paid in full directly to the original company. which is XXXX. The is paid in full. I have know knowledge of this company have never had no dealing with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: VA

Complaint narrative:
Disputes have been filed with the credit bureaus and recorded phonecalls have been made. Additionally there was a conflicting statement sent. 

I called to ask for an itemized statement to explain the {$390.00} collection sent to Merchant Credit Guide by getting the bill from the source of the debt, XXXX XXXX. XXXX  was bought out by XXXX XXXX and here is where things get complicated. 

Instead of getting the itemized bill for the {$390.00} in collections I was sent a completely different bill totalling {$930.00}. When I asked which department could explain the line-items, why my bill was suddenly almost 3 times higher, and who had responsibility for disputing incorrect or fraudulently added line items I was transferred between departments on a near endless loop. 

When someone finally took the time to explain the new items the explanations didn't make any sense. {$630.00} for XXXX XXXX Type A Level 3 was explained as " to cover costs for nurses because the ER is expensive. '' That's not a proper explanation for an itemized bill. They never explained the exact service ( s ) or item ( s ) I would have recieved. 

They later tried back tracking and explained the new charges as " because your insurance was denied, '' which might have made sense if the bill sent to collections was for the newer, higher amount. The part they failed to explain to me was how and why the charges increased *after* I filed disputes and asked for a correct, itemized statement to explain the {$390.00} owed. 

When a form of resolution was proposed, it was that they would remove the old account in collections so they could validate the newer bill instead of resolving the disputed {$390.00} properly. Again, making it seem as though the new amount was a retaliation for trying to exercise my rights to know why and how I am being billed the way that I am. 

My issues arent with Merchant 's Credit Guide, but with XXXX XXXX for trying to alter a bill well after it was sent to collections. 

I have went ahead to call my insurance and try to reach a resolution on that end as a courtesy, however the dates in question are too far back for them to have any ability to extend coverage.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: T.S. Holdings
State: AZ

Complaint narrative:
I was trying to make a payment plan where my debt would be paid in XXXXour months but they said it wasn't a big enough payment they threatened to sue me. Because they didn't agree on my payment amount they restricted my account so I can no longer call them or go online to pay. This is with XXXX XXXX XXXX. They want me to send my payment in threw the mail. Their website says they value fairness. When I would call before all this they would bombard me with questions and try to force me into taking another loan out with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: Synovus Bank
State: TN

Complaint narrative:
This account is reporting on my consumer report and the amount has been settled. XXXX XXXX is reporting false information. Reporting inaccurate information is a violation to the Fair Credit Reporting under 15 USC 1681s-2 ( 1 ) ( A ) This item should be removed from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX  XXXX sold my home equity line to Specialized Loan Servicing a few year back. When we were going through the pandemic I had a covid related issue and SLS allowed me forebearance. Last year they gave me a trial modification wherein I was supposed to pay {$320.00} ( approximately ) a month for three months and then it would be a permanent payment. I paid the amount the first month, the second month I lost my mom and just was distraught. At the end of the second month I called SLS and explained to the representative, she said don't worry about it, just pay the 2nd and 3rd month now and you will be fine. I paid the {$670.00} and was waiting for the permanent adjustment. 

This year I was getting letters and calls from them stating that I had to pay thousands of dollars and that I should not have missed the 2nd payment, they were rude and threatened to foreclose on my home even talking about short sale. They sent me paperwork for a modification again. I have income and have 2 folks that live with me that are giving me money. I am extremely stressed because instead of trying to work with me they seem determined to foreclose/cause a short sale which it would not be a short sale technically because I have equity that exceeds the amount owed. I think it is wrong that they would agree to accept the two payments and then turn around and not want to give me a modification. Also I have applied to them for a modification and can show where I can make the payments. They are a very deceptive company and should be punished.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
We have several cards with CITI. Recently, we have been getting notices that our payments are late, also they have reduced our limit on 1 card. I have all our bills on my XXXX  calender, which I use every month. I tried to reach out to CITI, but you can't reach anyone via phone call. Today, I tried to reach them via chat. They have an automated gate keeper system that won't let you pass unless you spend 15 minutes using it trying to get it to understand it can't help you! When I entered the " magic '' phrase, it then said it would connect me to an agent. After 2 minutes, it disconnected me. I need help to get this back on track since they have now caused our credit score to drop and won't have an ACTUAL human talk to us.

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 monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Purchased a computer from Best Buy with their store CitiBank Credit card for {$1900.00}. Item was shipped missing components and was an obvious return that was re-boxed and resold by Best Buy or XXXX XXXX. Told to return item by support after no response from manufacturer, item was received and signed for XX/XX/XXXX via XXXX label provided by Best Buy. Was told I would get a refund by support. No refund appears. I initiate a dispute with CitiBank providing proof of return and tracking. 
Call Best Buy phone support, the girl helping me tells me my account has a note to not help me and to advise me to contact XXXX. 

XX/XX/XXXX, I go to my local Best Buy to get help because still no refund. Manager of store tells me that Best Buy mailed the item back " to me '' XX/XX/XXXX, item was deliver to XXXX, IL XX/XX/XXXX, with no address by XXXX. I live in XXXX XXXX, IL. Best Buy opens an investigation on XX/XX/XXXX for the lost package. ( at this point I have no idea the item was mailed to me, I didn't find out for another month ). XX/XX/XXXX, Lots of finger pointing by XXXX and Best Buy, no resolve from credit card dispute still. Late XX/XX/XXXX, I file a XXXX  complaint and am contacted by someone at CitiBank corporate in XX/XX/XXXX, who tells me she can't refund me but sees all the evidence should get me a refund. XX/XX/XXXX XXXX issues insurance claim to Best Buy for full amount ( according to XXXX phone support and XXXX tracking ). XXXX advises to contact the sender, aka Best Buy. Because XXXX apparently doesn't insure the receiver, only the sender. 


Best Buy accepted the insurance claim according to level 1 phone support, but they have no idea what to do now, advise me to file a credit card dispute ( which I did months prior ). 

XX/XX/XXXX, Citibank mails be a dispute decision and excludes the real tracking number, but Best Buy has included three tracking numbers two of which, are for two other items purchased in XX/XX/XXXX and are blatantly claiming them as the computer return tracking, despite the return happening in XXXX. They exclude all of my evidence, and exclude the real tracking number showing that XXXX paid the full amount insurance claim. 

I just want my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: PNC Bank N.A.
State: NC

Complaint narrative:
This would represent the 1st of a few complaints. In XX/XX/XXXX, I purchased a {$18000.00} certificate of deposit. As I can remember, I was told it was a tax write-off. I was also told it would automatically renew ever 5 years. What I was not told was, if the bank is sold, I will not be able to get my money back. From what I gathered, XXXX Bank sold out to XXXX and XXXX sold out to PNC Bank. I have other information that state that XXXX Bank sold out to XXXX Banks. in XXXX, i was losing about {$40000.00} per month in the violation of the RICO Act and in violation of 18 USC 1956 " money laundering or proceeds form specified unlawful activity with XXXX Bank facilitating those crimes. That is in another complaint against XXXX Bank. 
I do not think it is felonious activity should be excused when public officials/ court officers are involved. I have included the Certificate of deposit that I never collected from. I did hire a lawyer and was still unsuccessful in getting my money. My understanding from my lawyer is that PNC sent bulk money to the NC State treasury without identifying information with it. The State want a letter for PNC stating what batch of money my money was in, PNC refuse to provide any such statements. 
we as citizens work to have our money stolen, than we are expected to pay more money trying to get back money we have already worked for. That is starting to look a lot like slavery involuntary servitude and racketeering facilitated by the Banks, we work and they take the money. 

I am a farmer, a licensed general contractor and father, I do not know how to deal with banks who intentionally ignore the CFR regulating the banking industry. In all, we are out about {>= $1,000,000} from the time I purchased that certificate until XX/XX/XXXX. 

considering what all that has happened related to Banks, money laundering and the violation of the RICO Act, after the lost of this {$18000.00} plus interest, I feel this is a common practice in banking in the united Sates to perpetuate slavery. it is my firm belief that the State of NC facilitate the banks and lawyers in stealing millions from the XXXX community with impunity. I firmly believe these acts are intentional acts to harm the economy for XXXX citizens in NC as was done in the XXXX XXXX XXXX, they are still doing the same thing in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
THIS IS ABOUT LOAN FRAUD. ** Unauthorised loan** On XX/XX/2022 I received an email from the lender** AFFIRM** that i was approved for a loan XXXX for a purchase on XXXX. I have attached a copy of my XXXX purchase history..*** there is no such purchase*** That same evening I attempted to get in my account which is accessed by telephone number. The telephone number was changed preventing me to access my account. 
Upon calling Affirm associate and describing the 2 valid loan with the lender, the Affirm Associate stated " that my account is not linked to XXXX therefore there was no problem/ no loan. 
On XXXX XXXX after making 4 phone calls, with the last call screaming fraud, the Affirm associate fixed the phone number and instituted a secondary confirmation system. That associate stated they would escalate the issue and I would receive a call back no later than XX/XX/2022. **** That never happen***. I sent certified letters ... No response. Affirm however sent text message that the first payment was due on XX/XX/XXXX, XXXX I have frozen all 3 credit reporting agencies and now my credit has been hack as I have received multiple loan approvals from others which I did not request.. Affirm lack of response, weak credit protocol has harmed me in addition to the loan fraud.

Company response to consumer: Closed with explanation