vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I AM EXERCISING MY RIGHT TO LOAN CANCELLATION WHEN MORTGAGE FRAUD IS PROVEN ... WE HAVE MULTIPLE COUNTS # 1 ... DEFENDANT NATIONSTAR PLEAD GUILTY TO MORTGAGE FRAUD IN A CLASS ACTION LAWSUIT I AM A PLAINTIFF IN. Mortgage holder XXXX XXXX won this lawsuit as a plaintiff. COPY OF GUILTY PLEA ATTACHED # 2 ... FOR THE 6TH TIME, NATIONSTAR STOLE A MONTHLY PAYMENT WHEN I TRIED TO PAY MY LOAN AHEAD ... My XX/XX/2021 payment was stolen. I want a copy of the digital recording of my call sent to my email address @ XXXX immediately in case loan is not cancelled as required by law. COPY OF STOLEN PAYMENT ATTACHED # 3 ... NATIONSTAR ILLEGALLY CHARGED 36 LATE FEES ON XX/XX/2021 ... TO COLLECT ILLEGAL ATTORNEY FEES THEY ADDED YEARS AGO .... This repeated mortgage fraud is an active case with the XXXX XXXX XXXX Department. All of this evidence will be added to the case against XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. A REMINDER FOR ALL ... There is no statute of limitation in Florida if the defendants are out of state. ALL defendants are out of state. Florida is no stranger to out of state crime. XXXX XXXX is a good example of an old case gaining new traction. 

# 4 ... NATIONSTAR IS STILL COLLECTING AND POCKETING PMI ( MORTGAGE INSURANCE ) .... PMI WAS REMOVED FROM THIS ACCOUNT LONG AGO. .... ( COPY ATTACHED ) # 5 ... PROVIDING AN ILLEGAL PREPAYMENT AMOUNT ... Nationstar is requesting {$110000.00} ... Loan balance is {$110000.00} ... 100 % FRAUD Nationstar, and XXXX XXXX who initiated this loan with fraudulent loan origination paperwork, continue to put themselves at legal and criminal risk with blatant and flagrant legal violations. 

We have retained all of the written evidence from the past and have added this new evidence to the file for this case. If needed, we will accelerate the criminal side of this proceeding in Florida, and also with the FBI which has the file that was referred to them by XXXX XXXX Law Enforcement. These are real files. You answered real subpoenas. Our evidence and both cases are real. 

IF you refuse to cancel the loan as required and we are forced to seek additional financial relief in a Florida civil court again, please know we saw the entire defense ... and I found an attorney that not only despises banks ... he wins ... and gets the $ $ . If forced, we will seek the max amount from all involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
To whom it may concern, My card has been used without my authorization on XXXX  for the total of nearly {$4000.00} dollars. After I realized it, I contacted Bank of America for help. They told me to divide it into 3 different claims : {$3200.00}, {$130.00} and {$140.00}. Then, they started researching my claim. After 9 days, I was told that one of my claims ( the {$3200.00} one ) has been denied, where the others are reimbursed. 

It honestly makes no sense. My card was used without my authorization. This is a fraudulent charge. How can one of the claims be denied while technically they belong to the same case?

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 2021-01-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Financial Corporation
State: CA

Complaint narrative:
In XXXX of XXXX I was in a auto accident. My finance company at the time was Gold Acceptance. Gold Acceptance never sent out a claims adjuster to look at the vehicle nor did they come to the residence and repo the car. The car was left at the repair shop never to be repaired or repossessed. Since then I have had nothing but trouble from this company in trying to resolve this matter. On my credit report this company is reporting an inaccurate account date and account balance as of XX/XX/XXXX, when this account was charged off in XXXX. Please remove this account off my credit report. I am unable to get a new line of credit, or purchase a new home. This has been hurting my credit score tremendously please help!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Accurate Background
State: NY

Complaint narrative:
Accurate Background, LLC provided a consumer report with my XXXX  information that incorrect causing me to be denied a job. I called and explained to the company that the information they furnished was incorrect and they assured me that the background was fine and everything came back great. I was later emailed a copy of the report that stated my personal license was invalid in the XXXX section which is untrue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Pay Pal refuse to REINVESTIGATE THE CHARGE of an XXXX ride, I did not request PAYPAL refuse TO CONTACT XXXX AND PROVIDE WITH A DETAILED NATURE DATE OF RIDE AND CHARGE XX/XX/2020 FOR {$9.00} I FILED A REPEAT DISPUTE ABOUT AN XXXX CHARGE DEMANDING THAT PAYPAL TO REOPEN THE CASE AND REINVESTIGATE THE CHARGE. I ASK THIS NO GOOD PAYPAL COMPANY TO CONTACT XXXX AND PROVIDE WITH A DETAILED NATURE OF THE RIDE WHO ORDER THE RIDE WHER THE PICK UP AND DROP OFF WAS. THE CALL ALWAYS GET ROUTED TO SOME FOREIGNER CUSTOMER SERVICE AFTER WAITING FOR 3 TO 4 HOURS WAIT TO SPEAK TO A LIVE PERSON. I WARNED THESE PEOPLE WORKING FOR PAYPAL, THAT I DID NOT MAKE ANY XXXX RIDE REQUEST BY ME OR ANY MEMEBR OF MY FAMILY. I DO NOT EVEN HAVE AN XXXX APP, THE LAST TIME I ORDERED A RIDE WITH THEM WAS OVER TWO YEARS AGO. JUST HAVING HAD AN AGREEMENT WITH XXXX IN THE PAST DOES NOT MEAN THIS TRIP WAS REQUESTED BY ME. I NEED ANSWERS WHAT THE XXXX THEY MEAN THERE WAS NO UNAUTHORIZED USE????????? HOW CAN PAL TELL ME THAT WHEN I REPEATEDLY INFORMED THEM I HAD NOT HAD ANY XXXX XXXX REQUEST. THERE WAS A CHARGE ON MY BANK FROM XXXX, AND I DID NOT REQUEST ANY TRIP. PAYPAL RECEIVE TO PROVIDE ME WITH ANY DETAIL RECEIVED FROM XXXX THAT WOULD JUSTIFY THE CHARGE. PAYPAL THINK MY EFFORT TO FIND ANSWERS IS NOT AS IMPORTANT, THIS IS NOT ABOUT GETTING A STUPID REFUND THIS IS ABOUT MY FEAR WHO HAS ACCESS TO MY PAYPAL ACCOUNT. AND PAY PAL SHOWED NO REGARDS ABOUT THIS FOUNDED CONCERN

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
The. Hsn company. I got hsn account in 2018 and that not I'm hsn. account someone open.the hsn account them self I. Didn't live in that XXXX. XXXX XXXX. XXXX ks XXXX. And you will find out how the person is at all because it won't show up on any. Where at all

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 2021-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank was fined {$400.00} XXXX in XXXX, XXXX for money laundering by the Office of the Comptroller of the Currency ( OCC ). In an amazing coincidence, my Citibank Costco XXXX card was cancelled near the peak rewards period one month later. 

Citibank abruptly canceled my Costco Citibank XXXX XXXXard on XX/XX/XXXX due to a negative XXXX credit report for an unrelated {$300.00} disputed bill that went to collections for a XXXX account that was paid in full a month later. 

It is important to note that I had a spotless payment history with Citibank, perfect credit prior to this dispute, and was a Costco customer in good standing for 15 years. Costco could not understand why my card was cancelled. I sent multiple letters to Citibank explaining the situation ( unforwarded billing due to an address change ) and never received a written reply. I received a denial of credit renewal from Citibank on XX/XX/XXXX and was told my Costco voucher of accumulated points in the amount of {$410.00} will be forfeited and I would receive nothing. 

I wrote a letter on XX/XX/XXXX to Citibank explaining the situation in full and that I wanted my cash credit voucher sent to me in full. I further explained that this whole situation smacks of Citibank unduly leveraging small, unrelated credit incidents into a profit-making enterprise by denying elderly customers their rightfully earned reward cash benefits by an aggressive for profit card cancellation policy. 

I received an unsigned form email on XX/XX/XXXX stating I would be contacted shortly. On XX/XX/XXXX a Citibank Customer Service representative XXXX called to state that Citibank would not be issuing my cash reward. 

I would appreciate it if your Agency would investigate this. 
Respectfully, XXXX

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 2021-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: CO

Complaint narrative:
I had a medical bill go to a debt collector,, after telling hospital, and telling them that the VA WILL PAY THEM..as you know it takes sometime for them to pay..well the VA FINALLY paid it..npw the collection is still trying to collect..i told them a month ago they paid the hospital ... and they are still harassing me and messing with my Credit Reports..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
i bought a van which the beginner give me problem some week ago the bought this car broke down i called some time to the dealer for the warranty and they never answer me and do nothing also called the bank and they donnt do nothing i decided relese the car bcs how i going to paid a lot a money for junk car bcs with the time bring more electrical problem and the credit asgency have my status as reposition when the realy is a releasaed the car righ noe this affectyed my credit when the dealear and bank cheating me the deales is XXXX XXXX XXXX  in XXXX PA and the bank is XXXX XXXX XXXX  this account affected my wife credit too

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: PA

Complaint narrative:
i bought a van which the beginner give me problem some week ago the bought this car broke down i called some time to the dealer for the warranty and they never answer me and do nothing also called the bank and they donnt do nothing i decided relese the car bcs how i going to paid a lot a money for junk car bcs with the time bring more electrical problem and the credit asgency have my status as reposition when the realy is a releasaed the car righ noe this affectyed my credit when the dealear and bank cheating me the deales is XXXX XXXX XXXX in XXXX PA and the bank is XXXX XXXX XXXX this account affected my wife credit too

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 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I opened my first credit card with XXXX on XX/XX/XXXX. 
I opened an account with XXXX XXXX on XX/XX/XXXX and closed it XX/XX/XXXX. 
I opened an account with XXXX XXXX XX/XX/XXXX. 
I opened an account with XXXX XXXX on XX/XX/XXXX. 
My lender did a hard inquiry on my credit on XX/XX/XXXX. 
From this inquiry, I was informed that Equifax does not have a file on me. I was told to open up another card that would report to Equifax so that I am able to get a loan for a home. I researched and found XXXX that reports to all three bureaus. On XX/XX/XXXX I got a notification that this new card has reported to XXXX  and XXXX, but not Equifax. 
On XX/XX/XXXX, I requested my free credit reports from XXXX, and was able to receive all reports except for Equifax, which required me to mail my drivers license and social security card. I went directly to Equifax 's website to request the report, and received error code NH ( which means no hit, or no files found ) and was told to call customer service, who was very rude and ignored what I had to say about the NH error, and told me to fax copies of my drivers license and social security card to get a credit report. I do not necessarily have a need for my credit report, I just needed to see if any cards were reporting to them so I could proceed with my loan. 
Following this, I contacted my current credit card companies, like XXXX who I've had for 2 years 5 months, who, over customer care, verified that they have been reporting my statements from XXXX to Equifax every month. 
It does not make any sense that my lender can not find a file through Equifax, and Equifax themselves say that they have no files on me when my banks have verified that they have been sending a report monthly. I do not see a need to fax my information over just for them to tell me that I don't have a report with them. I need Equifax to properly report the information that they are receiving from my banks so that I can continue applying for a loan with my lender to get my first home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-01-16 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Im not sure of the dates because i receive a call every day its a pandemic and I am not able to work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
In XX/XX/2020 I attempted to access my credit reports online using XXXX. I was unsuccessful in doing so, and was told that I should mail a paper request form to the XXXX XXXX XXXX  XXXX XXXX. I completed the request form, included a cover letter describing my request, and enclosed a photocopy of my Oregon Driver License, as well as a copy of a recent bank statement including my address. The XXXXXXXX XXXX XXXX XXXXXXXX XXXX received my request on XXXX by USPS ( signature confirmation requested ). 

TransUnion replied with a letter dated XXXX titled " Re : Unable to Locate Credit Report '', asking for more identifying information, including proof of my social security number, 2x proof of address, and proof of date of birth, as well as a form. On XXXX, I mailed my response which included a cover letter explaining my request, all the information they requested including copies of my Driver License, Social Security Card, and a recent bank statement with my current address, and a filled out copy of their form. This response was received by TransUnion on XXXX. 

TransUnion then responded to my letter containing further information in a letter dated XXXX titled " Re : Proof of Social Security Number ''. It largely reiterated the requests in the XXXX letter, asking for proof of my social security number along with proof of address and date of birth. I had already provided the information they were asking for in their previous letter, so it was clear that this process was circular. 

I believe that their failure to provide this information is a violation of their obligations under federal law, and am seeking immediate redress from you as a federal regulator.

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 2021-01-16 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- STUDENT ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -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 2021-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IA

Complaint narrative:
Fed Loan Serving has been calculating my qualifying payments that count towards Student Loan Forgiveness. There are a number of loans that state that I have made 94 or 95 qualifying payments, but there also a number of loans that state I have only made 83 qualifying payments. 

When I inquired about this discrepancy, Fed Loan Serving told me that " XX/XX/XXXX through XX/XX/XXXX you were under an Extended Fixed Repayment plan which is not qualifying for Public Service Loan Forgiveness. XX/XX/XXXX, XX/XX/XXXX, and XXXX and XX/XX/XXXX were all under several periods of forbearance and are not eligible for Loan Forgiveness. '' I believe I have always been on the same repayment plan for all of my loans. I do not recall being on forbearance ( although my servicer was switched from XXXX XXXX in XXXX so I do not have records prior to XXXX ). 

I think the only difference is that I did pay ahead on some of my loans in XXXX and then continued to make monthly payments when I technically did not owe a monthly payment. However, I would like credit for these monthly payments because I was continuing to pay even when I didn't have to. It does not make sense to not give me credit for monthly payments because that is additional money that the federal government will not have to eventually forgive. I just want credit for each month that I made a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16 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: JTM Capital Management, LLC
State: VA

Complaint narrative:
My mother opened cc from XXXX XXXX XXXX without my knolege disputed thinking mistake sinvestigation said application card bill came my address well yes it did i lived with her 20yrs she has done this grandma stile checks grandma my dad now me i only found iut was her she died 2 accts XXXX XXXX and XXXX XXXX in her purse with all my info and also on my phone she had XXXX  app her name my info all u have do push button on app my phone gave info no knolege she ruined my credit after taking care her its fraud she was alive id press charges XXXX limited income feel like no where turn they made me believe was family im responsible uodate calked paid service fee XXXX XXXX to remove it from all3 repirts and waive fraudalint chg only got lettder for payment delete over 70 calls 2yrs threats police talk heard threats on phone callingXXXX toXXXX am XXXX at my exs kids so they wont answe when i call tell my name hang up

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation