vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX I received notice that my mortgage will be transferred to Mr Cooper effective XX/XX/XXXX and that my payment due on XX/XX/XXXX should be sent to Mr Cooper. 

On XX/XX/XXXX, I scheduled a payment for XX/XX/XXXX to Mr Cooper via XX/XX/XXXX Online Bill Pay. The payment was withdrawn from my account as expected on XX/XX/XXXX. 

On XX/XX/XXXX I was granted access to my Mr Cooper account online and noticed that it said a payment was due XX/XX/XXXX. I called Mr Cooper and spoke with two representatives, neither of whom were able to locate the payment I had made on XX/XX/XXXX. 

As directed, in order to initiate a " Missing Payment Search, '' I emailed XXXX with proof of the payment and details of the situation on XX/XX/XXXX. I have not received any further correspondence regarding the situation. 

{$1400.00} has been debited from my XX/XX/XXXX checking account, but Mr Cooper has no record of having received this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I became aware of this debt when attempting to apply for an apartment and was denied due to this debt because it shows bad rental history. I have disputed with XXXX numerous times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent an affidavit to the company ; National Credit Systems and have not heard back to them in regards to the account being removed from my credit. It is joint debt and I do not know the other 2 people on the account ; we do share the same last name. The creditor would not send me the apartment application or ID submitted so that I could let them know it is not my signature or ID provided. This collection is hindering my ability to get housing. I did not reside in these apartments. I do not even live in the state these apartments are located. I did go to school in XXXX XXXX from XXXX but I reside in student apartments called XXXX XXXX XXXX. Then I moved back home with my parents after XXXX in XXXX, XXXX  after accepting a job as a XXXX XXXX with XXXX XXXXXXXX XXXX XXXX XXXX XXXX I worked 3 years XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
BOFA CLOSED MY ACCOUNT FOR NOT REASON AND STATED WITH XXXX THAT IT WAS FRAUD!! RELATED TO # 1 AND # 2 : MY SON WAS XXXX AT THE TIME SOMEONE Compromised HIS ACCOUNT : I HAVE NOT HISTORY OF FRAUD!! 

MUILTI CALLS AS TO WHY MY ACCOUNT-NO DIRECT Answers : MY ACCCOUNT WAS IN GOOD STANDS AT THE TIME THEY CLOSED IT : I RESEARCHED THE MATTER AND FOUND MANY other banks are randomly closings accounts OF MINORITIES AS WELL AS PEOPLE WITH SMALL AMOUNTS DUE : IT'S CURRENTLY A CLASS ACTION LAW SUIT BEING FILED FOR DISCRIMINATION for banks closing customers checking/saving accounts withno notice. BOFA reported me to early warning credit as abuse ( with no documentation of FRAUD! 

I'm currently CAN NOT open a normal bank account due to being XXXX discriminated by XXXX and Bank of America : I will SUBMITTED a separated compliant with XXXX : No verbal nor written reason for the closed account received : however they reported this to early credit warning as FRAUD : this is very misleading and a discriminating process as well as preventing me from opening up a bank account : I HAVE ATTACHED A FEW STATES AND THE EARLY WARNING FILE : BOFA AND XXXX HAS FALSE INFO REPORTED, I HAVE THE FULL DETAILS FOR BOFA AS WELL. 

ACCOUNT FOR BOFA # XXXX XX/XX/2020 CLOSED Account # : XXXXComplaint NumberXXXX FILE XXXX CLOSED XX/XX/2020 EARLY WARNING REPORT FROM BOFA STATED FRAUD : I HAD A DISPUTE # 1 RELATED TO A SPORTS TEAM FEE ( I Decided to not allow my son to play on a basketball team and tried to cancel the fee ( but the team portal did not have an option ) months past and BofA sided with the other side ( even though my son never played on the team ) may AAU TEAMS Have issues like mine ) paper tail attached : REF : Bank Routing # : XXXX Account # : XXXX Compromised my son 's account : # 2 MY SON 'S WAS XXXX OLD AT THE TIME AS HIS ACCOUNT DEBT CARD WAS STOLEN AND SOMEONE WROTE A BAD CHECK : ATTACHED Name : XXXX XXXX XXXX SSN/Tax ID # : XXXXPhone : XXXX Address : XXXX XXXX XXXX, XXXX, GA XXXX USAID # : XXXX ID Type : Driver 's License/USA ID State : GA Alt ( I DO HAVE A COPY OF THE CHECK THAT I CAN ATTACH AT A LATER DATE ) ID State : GADate of Birth : XXXXBank Routing # : XXXX Account # : XXXX Account Type : Joint signerIncident Date : XXXXPrincipal Loss : {$0.00} Fee Reversal : {$0.00} Combined Loss & Fee Reversal : $ XXXXPaid/UnPaid/Settled : UnpaidContribution Reason : " Checking Account FraudC ''

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 2021-10-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I sent XXXX, XXXX & TransUnion a FTC ID Theft Report dispute asking for verification of all disputed accounts, incorrect or fraudulent personal information, unauthorized inquiries & the METHOD OF VERIFICATION to be sent to me ( FTC ID Theft Report # XXXX & proof of service attached ). These FTC ID Theft Reports and requests for validation and Methods Of Validation were received on XX/XX/2021, XX/XX/2021 & XX/XX/2021 ( proof of service attached ). As of today XX/XX/2021, I have not received any proof of validation nor any written Method Of Verification from XXXX, XXXX nor TransUnion. This is in violation of my consumer rights under Section 611 ( a ) ( 6 ) and ( 7 ) of the FCRA. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, the law presumes that no proof of the alleged account exists, nor does any such account, in fact, exist.

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 2021-10-12 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: NY

Complaint narrative:
I recently checked my credit report and there is fraudulent activity still on my credit report. I have reached out to XXXX, Transunion & XXXX. I have sent them letters and told them that i have contacted all of the companies that placed the inquiries on my profile and told them that they're fraudulent. The told me to contact XXXX , Transunion & XXXX & There has been no change. I filed a FTC Report today as well and asking for The 3 Bureaus to Please remove the inquiries off of my report as they don't hold accounts & ARE NOT MINE! 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2021-10-12 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently checked my credit report and there is fraudulent activity still on my credit report. I have reached out to XXXX, XXXX & Equifax. I have sent them letters and told them that i have contacted all of the companies that placed the inquiries on my profile and told them that they're fraudulent. The told me to contact XXXX XXXX XXXX & Equifax & There has been no change. I filed a FTC Report today as well and asking for The 3 Bureaus to Please remove the inquiries off of my report as they don't hold accounts & ARE NOT MINE! 

XXXX XXXX XXXX XX/XX/XXXX . XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A person by the name of XXXX XXXX XXXX at XXXX XXXX called me today offering to do a loan for my home. I told them I was not interested in doing this now, but would be at the end of the month. He asked about my income, and there was some issue with using commissions as income until I worked for 2 years. He said that I need to make more money than I am currently making and that he was going to see what he could do about counting the commissions as income now. I specifically told him that I have no problem waiting for another year. He then asked for my information which I gave to him. The next step I was expecting was a call back letting me know if there was a way to use the commissions as income now instead of having to wait a year.Instead he had performed a credit inquiry using the information I gave him without my authorization. 

I immediately called him to ask him why he performed a hard inquiry without my authorization. I did not authorize him to pull my credit. He never specifically asked me if I would authorize the inquiry. He did tell me that the entire session was recorded, and when I gave him my social security number that in itself gave him authorization. I dispute this. I did NOT give him authorization.

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 2021-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I'm a victim of a silly scam that could have been avoided.

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 2021-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: D&A Services, LLC
State: NY

Complaint narrative:
Someone from XXXX keeps contacting my employer and asking for me by full name, making threats, being rude and scary, insulting me to my coworkers and telling them I owe money, in general being disrespectful to people in the office- and they're calling on a toll free number so my employer is paying for the harassment. No attempts were made to reach me directly before they started doing this and it keeps happening despite the supervisors telling them to stop calling. 

I have no idea who these people are, they would not identify themselves when I called to ask them unless I provided confidential information such as my social security number, which of course I would not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
In XXXX of 2021, I applied for the third time an application for mortgage modification. I have submitted documents as they were requested in a timely fashion. The process has drawn out 6 months. 

XX/XX/2021, I was told that my original application for modification was expired, and that I would need to submit an entirely new application by XX/XX/XXXX. I resubmitted an application. 

I was told on or about XX/XX/XXXX that the application was complete and was being sent to the underwriters for review. 

On or about XX/XX/XXXX, I was told that I would need to upload a previously uploaded lease that was in their possession as well as a written statement of income and another signature on the application. Those documents were uploaded on XX/XX/XXXX. I was told that the application would be closed on XX/XX/XXXX if all of the documents were not received. I contacted the mortgage company on XX/XX/XXXX and was assured that the application was complete. 

On XX/XX/XXXX, I received a letter stating that the application was incomplete as they were still missing the lease submitted o n XX/XX/XXXX. 

In a phone call today XX/XX/XXXX, I was told they were still awaiting the lease that was sent on XX/XX/XXXX. 

The phone agents are doing their best to push the information to the underwriters, however there is a disconnect which is preventing my application for modification a proper review. 

I would like a proper response from the mortgage company to reopen the application and process it for a modification prior to my home going into foreclosure. I have submitted every documentation asked for in a timely fashion. So that I can keep my home.

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 2021-10-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
This company has been harassing me nonstop for months, beginning in XXXX of 2021. I have answered multiple times and have told them to stop calling me. I have also answered and told them they are violating FTC rules and regulations and that I will report them. They call before XXXX XXXX and after XXXX XXXX. They also call multiple family members, whom I've never even lived with. They call multiple family members daily and leaves numerous voice-mail as well. I have kept a phone log of their calls, some days they call 6 or 7 times. Their calls slowed down tremendously the first time I told them I would report them. Now, they are picking back up. They have begun to call under different numbers so that I answer. In fact, today they called with the number " XXXX '' they are masking their calls, using invalid phone numbers, in order to harass me further. I have received 8 different calls today from this company. They need to stop harassing me. The next step after this complaint is contracting the attorney General, because what they are doing is highly illegal, unethical and is harassment. They call more then they should, under invalid numbers, outside of business hours, leave multiple voice-mail daily, and contract multiple family members daily. This company is following unethical and illegal practices.

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 2021-10-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/2021 I applied for a credit limit increase on my Chase XXXX XXXX with a current limit of {$500.00}. The limit increase was denied on XX/XX/2021 for : Balances on accounts are too high compared to credit limits. My credit card usage is between 30-35 % on all major credit reporting. Also, I was under the impress that 4 factors must be listed not one. I also understood that the credit score should accompany this decline. I asked Chase Card Services to reconsider the decline and that was also declined. This time with 2 reasons ... .Not 4 : Too many accounts with balances Balances on credit card accounts are high compared to credit limits. 
The accounts I carry with balances is small compared to the number of cards I have. Again this disclosure contained no credit score. Actually this was not even in the form of a disclosure but a secure message.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
In XXXX of this I was giving a Vanilla Visa Gift Card for {$250.00}, In XXXX of this year I place an order for {$210.00}. The order was not processed so on XX/XX/2021, I log in to check my balance and found a fraudulent XXXX change for {$32.00} on my card. I called the phone number I found online for Vanilla Visa Gift card ( XXXX ) and filed a disputed ticket case id # XXXX. I received a dispute packet, filled out the 2 forms and sent them back to XXXX as requested on XX/XX/2021 at XXXX XXXX. I received another email a week later asking for the same forms again, which I sent that day. This morning I called the phone number to find out the status and was told it could take up to 90 days for an answer. So, I ask what about my {$210.00} and was told I could get a check for the remainder in 7 to 10 days, but I forfeit the reminding {$32.00} if this put when my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX alerted me on my cell phone that a hard inquiry had been made to XXXX credit Bureau,. I got in touch with XXXX to tell them it was not me and I'd like a freeze put on my credit report. 
Later that same day I found out that XXXX had a data breach in XX/XX/XXXX. I had just switched my cell phone company to XXXX on XX/XX/XXXX,. 
Then again on XX/XX/XXXX I received another alert from XXXX XXXX about another hard inquiry. Both of the inquiries above were from Target/TD which is Target new accounts # XXXX XXXX XXXX. I called XXXX and put a freeze on my credit report @ XX/XX/XXXX. 
On XX/XX/XXXX I received another alert from XXXX XXXX that another hard inquiry from XXXX had been blocked. This is XXXX XXXX XXXX XXXX XXXX XXXX . Someone trying to open a credit card account in my name XXXX XXXX XXXX XXXX I went to the XXXX XXXX Police Dept in the beginning of XXXX XXXX and filed an identity theft report and am waiting to here back from the officer. I also called Target/TD back in XXXX and talked to someone in the fraud Dept about the inquiries,. She asked me a few questions related to the credit inquiries from information on her computer about parts of a phone number and address that the person trying to open an account used and they were not mine but she couldn't give me complete phone numbers or an address. She told me to make a police report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: VA

Complaint narrative:
It started off that we are unable to make a payment, including additional principal, online. Each month we call to make the payment over the phone so we can add additional principal and they give us a hard time because we can't do it online. They have told us the only way we can pay over the phone is if we pay a {$9.00} fee each month, which would be fine if it wasn't for the fact that the entire reason for the issue is because they can't seem to get there website fixed. This has been an ongoing issue since may of this year when we paid our first payment. We have notified them of the issue on numerous occasions only to be told we are doing something wrong. 
They also will not speak to my wife, who is a borrower on the loan, because they say she is " unauthorized '' to transact business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: RateGenius Loan Services Inc
State: FL

Complaint narrative:
I submitted a preapproval in lendingtree and got different agents requesting more information, but one decided to skip every protocol in the book and just pulled a hard inquiry on my credit. The lending agent apologized for it over the phone and hang up and now the manager keeps telling me that it is what it is, so they pulled my credit score twice without my authorization, zero help and I get to find through yelp that I am not the only one that this business is deceiving with their malpractice. There is federal regulations that they are skipping and it needs to stop. You need to get consent to run someones credit.we established a client to customer relationship. You need fo seek consent for that credit score

Company response to consumer: Closed with explanation