vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX  I have paid all post petition payments up to date. 

Mr. Cooper continues to report this account 180-150 days late. 

XXXX XXXX XXXX Nationstar XXXX Mr. Cooper, all attorneys were provided this information on numerous occasions. 

XXXX XXXX  XXXX Nationstar XXXX Mr. Cooper, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with NATIONSTAR XXXX MR COOPER . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact NATIONSTAR XXXX MR COOPER., XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
This account is in a Chapter XXXX Bankruptcy executed by XXXX and XXXX XXXX XXXX XXXX I have paid all post petition payments up to date. 

Mr. Cooper continues to report this account 180-150 days late. 

XXXX XXXX XXXX Nationstar XXXX Mr. Cooper, all attorneys were provided this information on numerous occasions. 

XXXX XXXX XXXX Nationstar XXXX Mr. Cooper, continues to report incorrect information, continues to pursue aggressive foreclosure procedures ; continues to hold {$2900.00} of Borrowers funds in a Bankruptcy Que Suspense account without interest. 

They have refused to provide the purpose of the account and why the funds re not applied to post petition payments. 

They have also refused to provide an accurate accounting of payments with pre and post petition charges. 

Please assist. 

The details and comments of your account **** XXXX is with NATIONSTAR XXXX MR COOPER . changed. This Conventional Real Estate Mortgage comments changed on XX/XX/2020 : Comment 1 : Real estate mortgage Comment 2 : Conventional mortgage Comment 3 : 150 days past due Important Notes : If you believe the details or comments are incomplete or inaccurate, contact NATIONSTAR XXXX MR COOPER., XXXX XXXX XXXX, XXXX TX XXXX. 
It can be a good idea to check your credit reports to make sure the information is accurate and complete. You should review your credit reports regularly to watch for suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
I'm complaining against XXXX XXXX XXXX and XXXX XXXX of Carrington Mortgage Services. It started with XXXX XXXX telling me that he will get me the 3.25 % interest rate but forgetting to mention that I have to pay for it through points. When I talked to him about it, he said he will fix it. Then, when we were about to close he told me that he can't do anything about it. He said that I can deduct it in my income tax at the end of the year anyway. Then he pressured me to decide the same day or I won't be able to close the following Monday. In spite of the rush, I still was not able to close the following Monday. It was moved to Tuesday so what they told me was a lie. Then, on the signing of the documents, the notary noticed that there is no document to sign the release of my cash out. When I emailed both XXXX XXXX and XXXX XXXX, XXXX said that if I did not sign any documents about the release of funds, they can't do anything about it. Though there was nothing to sign in the first place. The notary double and triple checked the documents. I told them I'm going to file a complaint against them about this since the documents that I need to sign came from them. They were so unprofessional. I hope I still get my cash out because my next step would be to sue them for breach of contract if they don't release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Need a XXXX XXXX  off

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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
This is in relation to claim XXXX and a response also submitted on XX/XX/XXXX. Shellpoint continues to change the date of when they think a payment was missed. Their latest claim was the account has been delinquent since XX/XX/XXXX. Due to time needed to get old records from the bank, records were sent to them ( and attached here ) on XX/XX/XXXX illustrating payments made back to XX/XX/XXXX and no evidence of a missed payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: NY

Complaint narrative:
I am submitting this complaint about my XXXX  mastercard. It was reported to the 3 credit reporting agency 's that this account has been late 3 times. The first remark was made back in XXXX of 2020. I am in a special program with them due to loss of work from pandemic. Agreement is to make a minimum payment of {$22.00} per month till the end of XX/XX/2020 and my interest rate lowered. I have made more than the minimum payment required and the account has NOT been late. Today XX/XX/2020 it was reported again as more than 30 days late. I contacted XXXX cards and explained that having this account report to XXXX, transunion, XXXX, XXXX XXXX, XXXX XXXX is reporting wrong. The rep agreeded that the payments have never been late and I have more than the agreed upon monthly payment plus I made my XXXX payment early. I was told she will send over an e-mail to the correct department and it should be corrected and fixed. I am submitting this complaint because I want to make sure they follow through on this correction. Having this account report as 30 days late 3 times is really affecting my credit score in a very negative way.

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 2020-06-29 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: NY

Complaint narrative:
I am submitting this complaint about my XXXX  mastercard. It was reported to the 3 credit reporting agency 's that this account has been late 3 times. The first remark was made back in XXXX of 2020. I am in a special program with them due to loss of work from pandemic. Agreement is to make a minimum payment of {$22.00} per month till the end of XX/XX/2020 and my interest rate lowered. I have made more than the minimum payment required and the account has NOT been late. Today XX/XX/2020 it was reported again as more than 30 days late. I contacted XXXX cards and explained that having this account report to XXXX, XXXX, equifax, XXXX XXXX, XXXX XXXX  is reporting wrong. The rep agreeded that the payments have never been late and I have more than the agreed upon monthly payment plus I made my XXXX payment early. I was told she will send over an e-mail to the correct department and it should be corrected and fixed. I am submitting this complaint because I want to make sure they follow through on this correction. Having this account report as 30 days late 3 times is really affecting my credit score in a very negative way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
Disputed a cellular company charge to my Discover card. I do not have cellular service now despite being paid through XX/XX/XXXX ( today is XX/XX/XXXX ). Cellular Company was contacted by myself 3 days ago regarding my issue. All communication done via chat on their web site. Nothing has been done to resolve my issue by cellular company. Was a {$40.00} charge. Have not been contacted by cellular company. figuring is not worth it doing business with a company like that. Initiated a chat session with discover to dispute this card. Kept getting logged out of their chat room due to issues on their end. After about an hour. I was told to contact XXXX by the discover chat CSR. My discover card is set as a payment methomd in XXXX. The cellular provider directed me to the XXXX web site to use one of my credit cards set up there as payment. XXXX happens to be one of my payment preference methods. I again used my discover csrd to pay for this cellular service. Had nothing to do with a service I did sold by XXXX  or another authorized XXXX company. Was a cellular service through a company that only utilized the XXXX site for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I checked my Experian credit score and it dropped 13 points for no reason. All my accounts are paid on time, I monitor my score monthly, and Im paying off items. My score should be increasing but instead it went down 13 points with no explanation or notification. Im currently in a class action suit against Dept. of ED and my accounts should be in forbearance but thats not reflected on Experians report. They are destroying my credibility Ive sent them numerous of notices requesting the information be updated. Same thing happened with my XXXX  credit score, instead they dropped me 70 points.

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I have received a call about this account since XXXX. The account was closed for nonpayment after one missed payment. I stopped paying since the account had been closed. I was called in XXXX by the company and I explained that I did not like how I was treated and how the account was closed. I spoke to someone about a different account owned by the same company on XX/XX/2020. I set up payments for this account to pay the account down so that my credit would not be impacted. I believe this verbal agreement was used for both accounts. 


I had been paying {$56.00} since XX/XX/XXXX on an account that I owed only {$430.00} on after speaking with a representative today I have only paid {$20.00} down on the account bring the balance to {$13.00}. The account manager said that I was still being charged a {$39.00} late fee as well as services fee which kept hitting my credit as late and missed payments even though I was set up for automatic payments. 

I was mislead by the representative back in XXXX and have been making consistent payments on an account that is not being counted toward anything but late fees and service charges. Even though the account has been closed since XXXX they still are reporting to the credit bureau that I have missed payments, this is after being set up on automatic payments. This in turn has dramatically effected my credit  score and has led to credit limits from other cards being lowered or even  closed because of this.

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 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
After being aware of being scammed use of XXXX as a money transfer service through my bank USAA I filled a dispute. I thought by using XXXX as the USAA app has it on their service that I was offered protections. Apparently I am not and USAA will do nothing at all even after being a member for over 10 years with multiple services from them. All they can say is Im sorry. They never kept in up to date with the dispute I had to contact them every time. And even after they denied my claim they still did not inform me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
the collection company is reporting a debt that was already paid

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: OK

Complaint narrative:
I got my state income tax return for OK state tax year XXXX. I had an issue with my mailing address and never received a card with my return on it. I contacted the stated and they said its out of their hands once they forward it to the card company. I got the number for Way2go. I called and its an automated loop with no way to talk to a representative. I tried multiple numbers but they all require a PIN, which is generated after you receive a card. There is no way to contact them if you never get a card in the first place. I would like for a Way2go Associate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: U.S. BANCORP
State: ND

Complaint narrative:
I refinance my home to payoff the current mortgage and the HELOC into one loan. At closing we received a payoff statement that was very vague. The last statement we had showed the principal balance was {$39000.00} as of XX/XX/2020. My refinance paid off the loan on XX/XX/2020. The payoff statement stated the per diem is {$5.00} per day. with this calculation my payoff would have covered 32 days of interest. This would roughly be about {$170.00}. Per the payoff there were about {$92.00} unaccounted for. When I contact US Bank they could not explain the additional fee. I have been waiting for about 10 days for a response and have heard nothing. Also, the HELOC loan and all information is no longer available for me to access thru US Bank.

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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I closed on my apartment XX/XX/2020. I had a mortgage with PMI  with Wells-Fargo. 

I just looked at my payment history for the loan and found that Wells-Fargo charged me for three months of PMI payments on XX/XX/XXXX, after closing, deducted from my escrow. I believe one month is the max they can charge. 

Please inform me and make Wells Fargo refund any over-payment.

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 2020-06-29 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: MA

Complaint narrative:
I noticed my Auto pay stopped for my car loan on XX/XX/2020. I contacted XXXX XXXX XXXX, my auto loan provider, to find out why. The rep told me he was not sure why, but it probably had to do with the fact it was one of my last few payments. 

I paid off the entire balance on my loan on the phone that day ( {$590.00} ), and shortly after received my title. Now my credit has gone down 115 points!! I have contacted XXXX XXXX XXXX  to see what they can do for me, but they said I need to file a complaint. 

No one told me my auto pay would randomly stop. How would I know?! I honestly thought that the auto pay stopped because the loan was paid off!!! 

I also received 2 letters from them. One says I owe them {$590.00} on XX/XX/2020, while the other says I am past due in the amount of {$590.00}. Both letters are dated for XX/XX/2020.

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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
XXXX XXXX  transferred my mortgage loan to a new servicer, Rushmore, on XX/XX/2020. 

I have completed a Borrower 's Assistance Application at Rushmore and was told on XX/XX/2020 by XXXX by telephone that she transferred my application to underwriting. 

Subsequently, Rushmore has not sent written notice to confirm my modification application status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/2020, a mortgage payment was made to PHH Mortgage. The payment was made in the morning and was done through their website.The payment is not showing on the website nor in the payment history. The company did send a letter mentioning the payment made on XX/XX/2020 that is enclosed. I also enclosed copies of the statements which do not show the payment being made. The company sent back the payment twice and then called ten days later requesting another routing number stating that the routing number used is not working properly. I have had problems with the parent company in the past ( Ocwen ) who put my home in foreclosure using the same practices. I would like an investigation to look into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: PA

Complaint narrative:
XXXX XXXX who works for a landscaping business in XXXX, PA has a son that has a very similar social security number as mine and he has been unknowingly interfering with my ability to get a credit card because I can not get a credit report with my social security number XXXX or log onto XXXX. 

I believe that he inadvertently input my social security number as his somewhere around XXXX. 

The last known address I have for him or his son is : XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number XXXX Please help me. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2020-06-29 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: KEYCORP
State: NJ

Complaint narrative:
I am the parent/co-signer on my son 's student loan that is serviced by Key Bank/XXXX XXXX XXXX. I send in monthly payments by automatic debit from my business account with XXXXXXXX XXXX. I sent check # XXXX for the sum of {$220.00} on XX/XX/XXXX ; and check # XXXX for the sum of {$220.00} on XX/XX/XXXX. XXXX XXXX XXXX lost both checks. I contacted them via email on XX/XX/XXXX and forwarded copies of my bank statements showing the cashed checks. XXXX XXXX/Key Bank reported delinquency notices on my credit report causing my score to lower approximately 70 points. On XX/XX/XXXX, I spoke with Supervisor, XXXX ( Employee XXXX ). I informed him that XXXX sent me the cancelled checks cashed by XXXX and asked to settle the account. XXXX informed me that Key Bank has no process to settle accounts. I want to be able to settle the account due to the unfair damage Key Bank/XXXX XXXX caused me on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: U.S. BANCORP
State: FL

Complaint narrative:
XXXX card inquiry on XXXX XXXX/XXXX inquiry XXXXUS Bancorp inquiry on XX/XX/2020

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