vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
On XX/XX/21 Mr. Cooper d/b/a Nationstar Mortgage, LLC debited a total of {$2500.00} in 3 separate transactions from my bank account, when only a single mortgage payment of {$840.00} is scheduled for XX/XX/21. My bank was thankfully able to restore the funds. However, in a pandemic when everyone is experiencing financial hardship, this is glaringly-shameful example of corporate negligence for which Mr. Cooper d/b/a Nationstar Mortgage, LLC should be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I already reached out to TRANSUNION and to XXXX XXXXXX/XX/XXXXand notify them of their error posting of information on my report. I was never late on this account. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " accurate '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations persist on my credit report.

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 2021-04-27 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: OR

Complaint narrative:
XX/XX/XXXX inaccurately reported me late 30 days in XX/XX/XXXX on an account I asked to be closed XXXX and was paid off XXXX in XX/XX/XXXX. They continued to charge me monthly fees totaling {$44.00} and I was notified of these charges in XX/XX/XXXX ( I never received statements by mail or email regarding these charges XXXX. 

I contacted XX/XX/XXXX and they agreed to remove the 30 day late on my credit report and credit my account in full and close my account. I have asked all three credit reporting agencies - XX/XX/XXXX Trans Union and XX/XX/XXXX - to correct my credit report and after 30+ days this still has not happened. Ive provided documentation from the creditor stating they are removing the balance and 30-day mark, and contacted the creditor twice to make sure this is the information being passed on in my dispute. Completely frustrated at the mark on my credit which dropped my score in the middle of trying to purchase a 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 2021-04-27 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: OR

Complaint narrative:
XX/XX/XXXX inaccurately reported me late 30 days in XX/XX/XXXX on an account I asked to be closed XXXX and was paid off XXXX in XX/XX/XXXX. They continued to charge me monthly fees totaling {$44.00} and I was notified of these charges in XX/XX/XXXX ( I never received statements by mail or email regarding these charges XXXX. 

I contacted XX/XX/XXXX and they agreed to remove the 30 day late on my credit report and credit my account in full and close my account. I have asked all three credit reporting agencies - Experian, XXXX XXXX and XX/XX/XXXX- to correct my credit report and after 30+ days this still has not happened. Ive provided documentation from the creditor stating they are removing the balance and 30-day mark, and contacted the creditor twice to make sure this is the information being passed on in my dispute. Completely frustrated at the mark on my credit which dropped my score in the middle of trying to purchase a 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 non-monetary relief
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX : Account # XXXX XXXX XXXX XXXX Portfolio Recovery, a debt collector, has reported a debt maintained under my Social Security number to XX/XX/XXXX and XX/XX/XXXX, credit reporting agencies. Portfolio Recovery has failed to validate this debt. 

The South Carolina Statute of Limitations is three years. Portfolio Recovery states they purchased this debt on XX/XX/2017. 
I enclosed copies of my requests to Portfolio Recovery, asking them to validate my debt, XXXX Fair Debt Collection Practices Act Sec. 1692g. - Validation of debts ) and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. No listings for {$990.00} from XXXX or XX/XX/XXXX are recorded on any of the three credit reporting agencies. I challenged the accuracy, compliance, and reportability of this listing. 

I also sent XX/XX/XXXX and XX/XX/XXXX asking them to validate this debt. No information was provided back to me from XX/XX/XXXX or XX/XX/XXXX that validates this information and provided me no documentation associated with this account, bearing my signature or any such documentation. 

FTC opinion letter on validation Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ), As per Attorney XXXX XXXX XXXX, Division of Credit Practices, This letter says it all - a printout is NOT sufficient evidence of a debt and the burden of proof is on the collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank is horrible Im loyal and they charged my account stop Oayment fees ans dont want to reimburse me when I had called they never told me they would charge me those fees and then they refuse to credit me back my money and the non sufficient funds fees as a courtesy

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 2021-04-27 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: KY

Complaint narrative:
Someone has opened up a card at XXXX XXXX on XX/XX/2021. When I noticed the card on my credit report on XX/XX/2021 I reported it as fraud on both TransUnion and XXXX. I even opened up a fraud alert on identitytheft.org. When I filed the claim on identitytheft.org XXXX took it off immediately. I have filed approx 6 different disputes through TransUnion they keep stating that XXXXXX/XX/XXXX verified information and said it was me. When it wasnt. I have been trying to get in contact with XXXX XX/XX/XXXX since XXXX but the numbers I called would not transfer me to anyone unless I had the card number. I do not have the card number as to I NEVER opened up the account with them. I have finally was able to contact XXXX IXX/XX/XXXX on XX/XX/2021. I spoke with a XXXX from XXXX XX/XX/XXXXwho couldnt help me and transferred me to XXXX. XXXX advised he had opened up a fraud alert for me and that I should get an affidavit sent to me in the mail within 7-10 days. I called XXXXXX/XX/XXXXback on XX/XX/2021 I spoke to XXXX. I told XXXX what was going on an how I have not received the affidavit, he stated that the account was closed and alerted as Fraud and it was an error on their end and stated AGAIN I should be getting the affidavit in the mail. I STILL have NOT received the affidavit. I called XXXXXX/XX/XXXX again today on XX/XX/2021 spoke to XXXX she could not help me and told me to call back within 1-2 minutes. I call XXXXXX/XX/XXXXAGAIN still XX/XX/2021 spoke to XXXX she stated there never was an alert on the account as fraud and she opened up another fraud alert and stated that there will be an affidavit sent to me in the mail within 7-30 days. I call TransUnion to see if there is something they can do on XX/XX/2021 he advised that there was nothing they can do at this point because XXXX XXXX is still stating that I was the one to open the account when I didnt open the account. He said there was nothing he can do and he will open another dispute but it will most likely get closed again since I had already opened up 5.

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 2021-04-27 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 — Other problem getting your report or credit score
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
Requested on XX/XX/21, a copy of my early warning systems report, which is said to be sent within 15 days. Called on XX/XX/21, since had not received. Rep informed letter sent requesting additional info. To date, have not received either report or allegedly sent letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
In XXXX we received a notice from our county treasurer that our second half taxes had not been paid in the amount of {$3600.00}. Taxes are paid twice a year by our mortgage company, PHH, through our escrow account. We notified PHH, they recognized the issue and paid our taxes as well as the interest and penalty assessment. In XX/XX/XXXX, we received our escrow statement indicating that there was a negative balance. Upon review, of their document, it clearly indicated that they had disbursed funds from the escrow account twice for the amount of the tax due. After numerous phone calls over many months, PHH finally recognized the error and added the funds back to our escrow account. We received a letter informing us of this on XX/XX/XXXX. Our loan was purchased by XXXX, in XX/XX/XXXX. Our initial payment statement from XXXX showed a delinquent amount of {$3600.00}. We have repeatedly tried to get resolution of this matter with XXXX. XXXX has told us that this is a problem with PHH and that we need to work it out with them. Upon contacting PHH, we have found them to be unresponsive, although we have made repeated attempts over 5 months. However, we did receive a document ( attached ) indicating the disbursement of the taxes twice in XXXX, that the funds were advanced back to escrow XX/XX/XXXX, but a fee was assessed of {$3600.00} that they are unable to waive. We are attaching 2 copies of escrow statements from PHH, one from XX/XX/XXXX and one from XX/XX/XXXX, that appear to differ as well. Also, attached is our mortgage statement showing this item as delinquent and default related charges. Enclosed are documents to support the commentary above. Additional documents are available upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: CA

Complaint narrative:
In XX/XX/2018 my car was repossessed I paid XXXX at one time plus I made five payments of XXXX ... my loan amount was for XXXX Now they say I owe them {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX, XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Vital Solutions, Inc.
State: NC

Complaint narrative:
Spoke with a representative, as well as two managers on XX/XX/27 regarding a possible settlement offer. The agency attempted to collect more than the minimum amount needed to settle the account. I was told {$580.00} would be the minimum to settle. I was also given a minimum amount of {$680.00}. When I brought it to the representative attention, they refused to acknowledge what was told to me even though they seen it in the notes. Also, I was harassed by XXXX XXXX, a supervisor with your company. Her professionalism was at a zero. She advised me that the company would refuse to accept money. I advised here that any amount of money would be better than not receiving anything, and she told me that its not true. I told her that I was dissatisfied with her customer service, and she advised me that this is collections. I felt threatened, and harrissed by her attitude. Im more then positive that her behavior does not represent Vital Recovery business model. That type of behavior is costing your company money, and putting your company at risk of lawsuits due to violating debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In response to your response on complaint # XXXX. 

Please see the attached your response and my first complaint. You stat in your response that you sent me " NOTICE OF OUR PLAN TO SELL PROPERTY '' the date titled on your letter says XX/XX/2021. I am requesting tracking on that letter, to verify you have sent this letter. Also know they results of all of your answers are being kept as evidence by myself and a consumer law firm. Please be mindful the Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS XXXX Repossession, disposal of pledged property ; excess proceeds state 's " Upon taking possession of titled personal property, the lender may dispose of the titled personal property by sale but may do so only through a motor vehicle dealer licensed under s. XXXX. At least 10 days prior to sale, the lender shall notify the borrower of the date, time, and place of the sale and provide the borrower with a written accounting of the principal amount due on the title loan, interest accrued through the date the lender takes possession of the titled personal property, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. At any time prior to such sale, the lender shall permit the borrower to redeem the titled personal property by tendering a money order or certified check for the principal amount of the title loan, interest accrued through the date the lender takes possession, and any reasonable expenses incurred to date by the lender in taking possession of, preparing for sale, and selling the titled personal property. Nothing in this act nor in any title loan agreement shall preclude a borrower from purchasing the titled personal property at any sale. '' Also please be mindful that you never marked in my credit report status as " being disputed by consumer '' within 30 days. I have files on this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I called Transunion to understand why my credit was again lowered, 2 years after what they thought was a missed lease closure payment ( it was settled 2 months later ). 
XXXX sent the correction at the time. But it was not recorded nor it brought to a raise back then. Now, 2 years later, it brought to one more hit on my credit score, which is costing me a higher mortgage refinancing rate proposed by my bank. 
My problem is even more general : the fact that I pay ( and paid for the last decades ) religiously, monthly bills for a total of more than {$5000.00} ( closer to XXXX these days ), does not map with the heavy score lowering for a few hundred bucks ( from the high 700 to the high 600 at the time, low 700 these days ).

The impression ( and complaint ) is that there is a credit bureau and banking system credit scoring cartel, to artificially lower the purchasing power of the middle class. 
There are thousands of credit score algorithms, whose formulas are well hidden, but every single one of them gives an exorbitant importance to late payment, independently of its size. 
From a logical point of view, this would push the cost of ( fewer XXXX large sums unpaid, on the ( larger number of ) small sums unpaid.

Nobody in the Credit Bureaus hierarchies ( I talked all the way up to a VP ) could explain any detail of the algorithm principles, as it's considered " automatic ''. 
But it's easy to reverse engineer the principles I delineated above. 
I have ( or can procure ) supporting documentation to prove payments and credit reports to show the impact, but I will provide it only upon request. 
Thank you and have a great day

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 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Embassy Loans
State: FL

Complaint narrative:
This company is intentionally reporting a much higher balance than owed. I have contacted them via mail and always receive the same letters with the incorrect balances on it. The balance was reduced XX/XX/2020 to {$680.00} after my car was totaled in an accident by XXXX XXXX, an employee at XXXX. I have enclosed copies of the reduced balance to them and equifax and experian but they still continue to report inacurrate info. XXXX continues to contact me by phone mail.and email demanding that I pay the incorrect amount I answered the phone one day and was told by one of the employees " We know that you owe us {$680.00} but we will not update the balance until you pay us '' You can contact whoever you want '' he was rude and yelling on the phone back around XXXX. I forgot to ask what his name was. I am also interested in suing for damages but would like nothing more than this account to be removed from all credit reports because they are in violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Home Loan Services Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, United Home Loans Services Inc. offered a 15 % down payment on an investment home. After a few days of looking around I took the offer on this day. 


On XX/XX/XXXX, United Home Loans Services Inc. smoothly tried to sell me on 20 % down payment. Since the purchase price decreases, I declined the offer. She stated that the lender was no longer offering the offer of 15 % down. We had already sign documents and completed paper work stating the 15 %. 

Bait and switch is my concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: FL

Complaint narrative:
ERC bought a collection account from XXXX and re-aged it to seem i defaulted in XXXX. that is completely false and illegal. This company is profiting from this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This bank is a XXXX I had account with them in the past which they closed fir no reason I got approved fir a new one now they blocked it and wont Release my funds back to me or let me have an account their XXXX Im sick and tired of them and the way they are they have to be sued in small claims court they are discriminating me for no reason ans thats enough I never overdrafted on any of my accounts with them but they Goode

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