vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
There was a few payments missed so Mr. Cooper sent me a loan modification. Any back payments owed would be pushed to the end of the loan. I mean that is one of the points of a modification. All terms, conditions, and payments were met as we completed 3 trial payments in the amount of XXXX for three months which were XXXX XXXX and XXXX. Post mod first payment due XX/XX/2020 which is stated in our contract.. Our Mod papers papers were signed XX/XX/2020 with notary. We submitted our XXXX payment and was told we still owe for XXXX because they locked in the mod on XX/XX/XXXX. They can't account for payment but said it was received. That it went towards another payment. But it's not sitting in any suspense account. It's no way it was applied to anything because pre mod our payment was XXXX and trial period payment was was XXXX. They do not take partial payments. Our balance now shows for XXXX and XXXX. Our post mod payment is XXXX. The representative told me that maybe because of the pandemic things where slowed down. That has nothing to do with me. We met our obligations. Now they are hassling us for a payment that was already paid. Where did our payment go and how was it applied? Does it matter what date they singed their mod papers we did what they told us to do. We did everything right we had our contract signed by notary that they sent out and completed everyting by the times and dates they set. Now we are put in a very tough situation because now they want us to either pay 2 months or pay XXXX for 3 months to pay an XXXX payment that was clearly paid. They did not meet there obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: WA

Complaint narrative:
XXXX  ; XXXX  and Transunion should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-14 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: WA

Complaint narrative:
XXXX  ; Experian and XXXX should not be reporting a collection/chargeoff on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I contacted XXXX XXXX  and they have no record of this account belonging to me. I do not now, nor have I in the past had an account with XXXX XXXX. Clearly this account is being reported in error and does not belong to me. This reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2020-05-14 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX XXXX {$860.00} XXXX   XXXX {$7500.00} XXXX XXXX {$6300.00} US DEP ED XXXX {$1300.00} XXXX XXXX  XXXX {$110.00} XXXX   XXXX {$4800.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$3500.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
In 2014 (? ) I opened a XXXX XXXX  XXXX for dental work. I was a recent widow and did not have dental insurance nor did I have a large bank account. Before I knew what was happening I was at the dentist every week and racking up a huge bill. When I realized I could not make a payment I called the company right away to let them know. I even wrote to them to work out a different payment plan until I found better employment. 
They would not work with me so they reported bad debt to the Credit Reporting agencies and sold my account to Credit Corp. At the same time they were still trying to collect from me. When I questioned that they told me since they sold it for less than what was owed they were permitted to do that. 
I worked out a payment plan that I could afford with Credit Corp and was making my monthly payments for over a year. In fact they would deduct it from my account. When I got laid off from my job due to the Coronavirus I called them to let them know that I would not be able to pay and that the checking account was also going to be closed. I would start making them again when I could. They told me I still needed to make them regardless. Now I am getting phone calls and mail regarding this. With all the payments I have made this is hardly impacted the dollar amount and it may have risen. 
Is there anyway to make these people cease harassing me until the pandemic is over? 
I have gone back to work but since it is commission based I am not earning a commission and don't see that happening the future. It's going to be a while before I can start paying again and I don't want them or XXXX XXXX to post negative remarks to my credit report again. 
Thank you for looking into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Trans Union docked my credit score by XXXX points, about XXXX percent, even though my debt went down, all accounts were in good standing and my balances were lower than the prior months. I have a copy of my report attesting to this. 

I did a mortgage refinance and advance prepayment last month that dropped the money owed on my home from $ XXXX to $ XXXX. They told me over the phone that closing one account and opening another " can lead to your score being lower. '' Sure, but by that amount is ridiculous. 

I also asked two agents why my wife had her score go up significantly despite being a co-borrower with me on both mortgages. They could not answer that, which is unacceptable as it offers no accountability for a score that appears randomly plucked from thin air. Docking the score by that much is abusive, given the context. There is no reason I should be considered a higher credit risk for taking steps to lower debt. This is why the credit reporting agencies are considered a racket in this country and should be dealt with. 

The agents told me there is no way to obtain a written explanation for the drop. What I want is some written accountability behind their reasoning so I can take this to the proper channels and seek legal remedies if needed. They have to be accountable for their scores.

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 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC recently changed their policy to not allow it's users to link their accounts or debit cards to third parties, thus denying access to my money that they are holding. This is illegal and needs to stop. I was told by my investment company PNC no longer allows me to link my account with them so I can not automatically deposit funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: MO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: MS

Complaint narrative:
In mid XX/XX/XXXXI got really sick I had 3 XXXX 2 XXXX, one XXXX. I have two credit cards one w XXXX XXXX & XXXX XXXX I contacted both companies and explained to them that I had been sick and XXXX as a result of that I was left broke bc I couldn't work. So they both said that they offered a hardship program for people like me and that it was stated in the contract when I received my card. They informed me to mail proof of my medical condition, I sent them a XXXX page report detailing all my XXXX XXXX XXXX and Dr visits along w a letter explaining my situation. I got a letter back from The XXXXXXXX XXXX company saying everything is good and the voided my debt, ( I'm including a copy of that letter incase it helps ) I never received anything From XXXX XXXX  so I assumed that if XXXX XXXX excepted everything. XXXX XXXX  would too bc it was the same exact paperwork sent at the exact same time apparently they didn't bc now they are suing me Using a company called N.A.R which I think stands for N American Recovery its posted all over my credit report I called XXXX XXXX  And they gave me the run around and was very rude and their hold times are hours long to rude customer service you would think w all this covid 19 pandemic they would be nicer and more coorperative

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: MO

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
Loancare bought out my mortgage from XXXX XXXX in XX/XX/XXXX without Escrows. Loancare added escrows to my account even though I showed proofed of insurance and paid annual taxes. I have been trying ever since to get the escrows removed as I continue to pay insurance and tax annual out of pocket. They have misapplied my payments for two years. I finally got some resolution in XXXX or XXXX only to have escrows added back two months later. I have called relentlessly speaking with 4 different managers since XX/XX/XXXX trying to get my account fixed. This has now messed up my credit and affected my life. I am always promised follow up and a resolution and never get it. The 4 manager and dates are listed below. They are " not allowed '' to give their last names. 
XXXX XXXX XX/XX/XXXX - left several messages XXXX ID # XXXX out of Pittsburg XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Spoke with on XX/XX/XXXX, left messages XX/XX/XXXX, XXXX & XX/XX/XXXX. 
I call customer service requesting call backs due to " high volume '' and never receive a call back. Please help. I can not wait to be able to refinance and get out from under the worst mortgage company I have ever had to deal with.

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 2020-05-14 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: WA

Complaint narrative:
This is the second time that this has happened, Experian deleted a valid credit card account from my report. I disputed Experians reporting incorrect info on my report. I did a 30 day free account, after the 30 days Experian deleted my XXXX card account from my report then used that as leverage to make me pay for there premium service, I did not want that I have a free Experian service through XXXX XXXX, now they have deleted a Excellent stellar as all my accounts are XXXX XXXX XXXX   XXXX  account I called XXXX XXXX and they said no account is great, I don't know what Experian is trying to do but I am going to contact a attorney at this point

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 2020-05-14 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: TX

Complaint narrative:
The three major credit bureaus have old credit that have passed the statute of limitations and will not remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: FL

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Every time I log in to Citi / Best Buy account I automatically receive a notification that I have exceeded my log in attempts and that I must reset my password. This makes it prohibitively difficult to make payments timely. I contacted Citi / Best Buy and was advised that they require the password to be reset for security. Requiring that the password to be reset every time a customer would like to access their online account is a UDAAP/UDAP concern, as this is an unfair practice that negatively impacts the ability to make payment and is not a reasonable measure to ensure security.

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 2020-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have a bmw through bmw financial. I have never been late. Due to covid 9 I was approved for a 2 month deferment of payments to keep my account status current. I called in at the end of XXXX to request this. I signed the deferment and forgot about it. Then today I got a credit alert thats said I had a change in account status so I looked to see what it is and bmw reported to my credit that Ive been affected by a natural disaster. Then I logged into my account and it showed past due 30 days. So i called bmw and they said they could redo the deferment again. I told them you reported on my credit and they said they just report status of disaster. I dont think that is fair or right. I didnt know they would do that. They made a mistake. I dont appreciate this right now. I called in XXXX to prevent this. After they updated the deferment it still shows payment due XX/XX/XXXX, when it should be XX/XX/XXXX. Also Im a hairstylist in California. We wont be working til end of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: FL

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.

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 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
I filed a complaint with you guys - consumer finance and you received a response back from the collection agency which did not validate the debt nor provide any official and acceptable debt validation nor proof that it sent me debt validation at anytime. You, XXXX finance, closed the case so Im writing again in hopes that someone will hold the collection agency accountable and actually read what is going on before simply accepting their response and closing. 

I noticed on my credit a collection from state recovery systems account from XX/XX/XXXX. At no time in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, was I notified that this debt existed. I wrote a letter ( not certified ) and stuck in the mail box to be delivered to State recovery system. In the letter that they claim they didnt receive, I asked for them to validate the debt by providing a copy of the original contractor from the creditor, a copy of the last billing statement from the original creditor, and dates of any billing information from the original creditor. I did not receive the requested information back then, and I have not received the information now. 

We are now in XX/XX/XXXX, and I have complained to the XXXX  and you guys and as a result, States Recovery System sent me a piece of paper dated XX/XX/XXXX indicating charges of {$510.00}. This is not furnishing proof of the debt as I requested - in the form of the original billing and contract from the actual creditor. 

I asked for the original billing and contract from the original creditor - not a made up piece of paper invoice from the collection agency. 

Please have them send me all original documentation from the original creditor including, the contract, the billing statement, and all documentation regarding communication between them and me in XX/XX/XXXXto validate the debt. 

If they are unable to provide proof of notifying me in XX/XX/XXXXand proof of the original creditors documentation of contract and billing, under the fair collection law Act, please remove this collection from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Hi I have select portfolio for a mortgage company and have a problem with forbearance and insurance claim.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation