vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX we contacted our Mortgage Servicer, Mr. Cooper regarding our inability to make that month 's payment due to a personal hardship. I asked for a deferment and was told that because our mortgage was current they could not defer the payment. In XX/XX/XXXX I again contacted Mr. Cooper and requested assistance. At that time the customer service person told me that Mr. Cooper did NOT offer deferred payments but that she could send me a loan modification package to which I agreed. Following receipt of the package I gathered all requested information and either mailed or emailed it as instructed. I repeated received additional requests for more information and complied. Many times the information they would request would be something I had sent in several times previously. During this process I mailed payments to Mr. Cooper on two different occasions in an attempt to reduce our outstanding balance while waiting for a decision of the modification. I also continued to receive phone calls from representatives of Mr. Cooper attempting to collect our past due payments despite being in the process of trying to qualify for a modification. The callers seemed to have no knowledge that we were working with the modification department. In XX/XX/XXXX we received a letter from an attorney which appeared to be a demand letter for the full amount of our mortgage. Following receipt of this letter I contacted Mr. Cooper and was told that our house was being foreclosed on because they had not received the most recently requested documents. I asked if there was anything I could do and was told that if I paid the past due payments with fees of {$9700.00} ( approximate ) I may be able to save my home. I asked for a timeline and was told I would have to contact the local Sheriff 's office for a date of sale. Several days later I contacted Mr. Cooper again to find out why they would proceed with a foreclosure when I was in the process of a modification and was told the documents I has sent were sent to the wrong address. Today, XX/XX/XXXX I received a call from someone at Mr. Cooper telling me I WAS still being considered for a modification. When I asked what the outstanding balance to bring our account up-to-date was I was told a different amount ( higher ). When I questioned why the amount was higher I was told additional " corporate fees '' had been added. I have kept records of all correspondence, emails and phone calls and have documented the entire process. I am XXXX years old and am not sure how to prevent this company from taking my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this 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 2019-06-27 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: TN

Complaint narrative:
I do not owe XXXX University or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.

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 2019-06-27 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I do not owe XXXX University  or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: TN

Complaint narrative:
I do not owe XXXX University or Federal Perkins Loans. Amounts shown on the statements I uploaded show {$300.00} payment made back to Federal Perkins for {$1200.00}. And that I have a XXXX balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.

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 2019-06-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Capital Group, Inc.
State: TN

Complaint narrative:
Paramount Financial files on my XXXX Credit report on XX/XX/2019in the amount of {$5900.00}. They do not have the original contract. This causes my credit scores to lose 60 points in one day. My signature was collected on XX/XX/2019 and applied XX/XX/2019.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity XXXX XXXX called my husband on XX/XX/19 and left a voicemail at XXXX:XXXX  threatening to take further escalating steps if I didnt return their call today. They then called my father and brother on their personal cell phones separately leaving similar messages. My family members are not associated with my credit profile in any way, nor are their phone numbers listed there or in any public forum. They are not authorized representatives on my account. Comenity XXXX XXXX is well aware that we are working with XXXX  XXXX XXXX  and has their contact info on our behalf. These three contacts are in clear violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
This also fits under the fraud category, but I've already tried to dispute my fraudulent experience with Paypal and they refused to help based on their own policies about money transfers between " friends/family '' vs. business transactions. 

Ultimately, I bought tickets for a very small local show through someone selling on the XXXX discussion page. After texting back and forth, they seemed legitimate and of course after the money transfer was initiated is when it began to appear suspicious. I IMMEDIATELY disputed the transaction with Paypal and considering they said the user wouldn't receive funds until the following Monday ( transaction was on a Thursday ) it seems highly likely they could have cancelled the transaction in time if they cared even slightly about their customers. They closed the case simply because they don't provide purchase protection on that type of transaction. 

Overall, their website needs to do better and take more initiative in preventing this type of fraud. I was told to pay the scam artist through friends/family format and wasn't initially suspicious because Paypal claims this method does not come with additional fees. So yeah, when it's a peer to peer payment it makes sense that they wouldn't want added fees. Well, the first misleading information is that this method does in fact, still come with fees. {$4.00} of additional fees, to be specific. Secondly, they need to do a better job of stating that when sending through family/friends you WILL NOT GET YOUR MONEY BACK. PERIOD. If you care about your customers, spell it out. I did a quick search on their website for customer protection and found a page that made me feel secure with my decision. Well of course, when I go back to the page and read the fine print and details it turns out that my transaction was of course, not covered. 

You're the leading money transferring service in the world. Do better. 

Also, I filed a formal complaint against the user with customer service. All they did was limit his ability to sell, which of course, means he can continue to accept money and scam other Paypal customers. Paypal does the bare minimum to protect its customers and prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNT DOES NOT BELONG TO ME, I DID NOT AUTHORIZE THIS ACCOUNT UNDER MY NAME, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER TO CORRECT YOUR CREDIT REPORTING INACCURACIES.

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 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I submit two {$3000.00} payments for principal reduction on XX/XX/2019 & XX/XX/2019 through my bank electronic payment/bill pay. I called the company/Freedom Mortgage twice in XX/XX/XXXX after the XX/XX/XXXX and XX/XX/XXXX statements failed to reflect the reduced principal amount on our account. I also went on-line to check on the status today, and the company still did not reflect the actual date of the principal reduction payment received nor apply the payments toward the principal. This has been an on-going issue whenever we make extra payments toward the principal during the last 24 months period. The company cashier department made all attempted to applied payment to a later date or refused to apply payments toward the principals even when the checks are clearly stated with principal reduction payment purpose only.

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 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have written a check to myself from another bank account and deposited to my Bank of America account in order to move money within maybe a business day because typically this is what happens, and Bank if America has put a hold on my check for more than 10 days. 
This is an extremely long hold and it exceeds the hold within federal law of 9 days. 
Bank if Americas policy is that checks with less than XXXX XXXX funds should be made available within 3 days. My check was XXXX usd. This hold they put on my check is preventing me from paying my rent on time and causing me to pay a late fee to my landlord. 
This is absurd and they are not willing to help at all. I have tried calling them to see if they could release the hold and they simply say no theres nothing they could do.

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 2019-06-27 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: EQUIFAX, INC.
State: UT

Complaint narrative:
My brother and I have been trying to untangle our credit reports for about 12 years. The last attempt I made was in the Fall of XXXX. For some reason, and we believe it is the fault of Equifax, my credit and his credit are being reported under the same person. The report shows that he and I are aliases for one another, however neither of us have ever used each other 's name as an alias. We have spent hours trying to correct this, and we have tried at least two different times each to correct this over the last 12 years. The company simply does nothing. I am trying to buy a house and I can not because his mortgage and car loans appear on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Gitsit Solutions, LLC.
State: NY

Complaint narrative:
To : Kondaur Capital Corporation XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX RE : XXXX XXXX XXXX XXXX, NY XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 Mortgage Loan Number : XXXX I am writing to request Correction of the Error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX, NY XXXX. 

On XX/XX/XXXX XXXX XXXX  XXXX transferred this loan to XXXX. The loan balance was {$300000.00}. After a legal arbitration between XXXX XXXX, XXXX XXXXXXXX XXXX and me, all settlements were made. It was then order by the court to have the mortgage reinstated. This was not done. Instead, XXXX took some payments up to XX/XX/XXXX then stop. 

On XX/XX/XXXX, the loan was then transfer to XXXX XXXX with a mortgage balance of {$290000.00}. 

On XX/XX/XXXX XXXX XXXX XXXX registered this loan with the credit bureau in the amount of {$350000.00}. This amount is incorrect and the charges added on are fraudulent. 

As per my records, payment was stopped by XXXX on XX/XX/XXXX. Therefore, the amount owed to the loan is {$54000.00}. This is the sum of 26 months of payments which when settled will consist of Principal, Interest and Escrow. 

Payment Errors : Your company rejected all payments made on XX/XX/XXXX. Please explain why this was so. 
Your company padded my mortgage balance with fraudulent charges and is still asking for {$84000.00} to reinstate my mortgage loan. 
Your company keeps adding on a charge call Property Inspection Fees in the amount of {$1000.00} per month. There is not property inspection fee as such. 
Your company asked for $ XXXXXXXXPlease provides me with a detail break down of how this amount came about. 



Escrow Errors : My monthly payment is {$2000.00} which included Principal and Interest, real estate taxes and Insurance. Therefore why are you asking for Escrow advances? 
Your company did not pay the insurance for XXXX, XXXX and XXXXyet it is included in the amount asking to reinstate the loan. I paid this insurance directly to the company. 

I have been notified by N Y XXXX XXXX  XXXX XXXX and the Hazard Insurance Company regarding payments that your company failed to pay the following expenses from my escrow account. 

Fee Errors : Your company incorrectly imposed a Property Inspection Fee on the mortgage since XX/XX/XXXX. Please provide me with a copy of such a monthly inspection report. 

Payoff Errors : Your company failed to provide an accurate mortgage outstanding balance to reinstate the mortgage. Please provide me with a detail break down of my outstanding balance. 

If you need to contact me, I can be reached ( XXXX ) XXXX or my attorney at ( XXXX ) XXXX Sincerly XXXX XXXX cc : XXXX XXXX  XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
My billing statement shows ( 2 ) Transactions for {$1000.00} each on XX/XX/19 along with numerous fees however, on XX/XX/XXXX we were in XXXX ( my associate and I ), I have the flight times and numbers from XXXX so there would be no way we could make this purchase. I know I personally did not make either charge and I asked my associate who advised he did not make the charge either. When going online to Report a Problem it does not give this option for some reason. I have never had an issue with any of my accounts I honestly can not believe this has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
My name is XXXX XXXX XXXX. I bought a MONEY ORDER amounting {$3700.00} and made deposit to a Wellsfargo bank account with below information for the purchase of a car : Account number : XXXX Routing number : XXXX Account Name : XXXX XXXX WELLS FARGO After deposit was made, the money was held in the account for 7 days. On the 5th day while money was still on hold, the account holder ( XXXX XXXX ) said he got a call from the bank and they told him to come with his ID so he could get the money from his account. I told him that was fine and the money have been deposited already and I have the receipt for the Money Order and also the receipt from Wellsfargo after the deposit was made. After some hours, he told me the bank wanted to call the police on him and he managed to escape. I asked why would a bank call the police on you over a cash deposit and how did you even manage to escape arrest in a bank. 

I begin to ask him a lot of questions and I told him I wanted my money back and he said go to the bank and get your money back. I went back to the bank where I made the deposit and the lady at the bank told me there's nothing wrong with the bank account of Mr. XXXX XXXX and she also told me the amount of {$3700.00} is available right there in his account and I wonder why he wouldn't take the money out nor return back my money. 

I called Wellsfargo customer service and I was told that to get the money back, I have to do a 3 way call. Myself and XXXX XXXX will be on the phone speaking with the bank and he can instruct the bank to give me back my money. XXXX XXXX then said he got a different number on his bank information at the bank and I can tell the bank to call him since he wouldn't let me have his real telephone number. I have been trying to call XXXX XXXX ever since and I realized that he stopped using the number I have since it a roamed number. I went in the bank to let the woman know I don't have his main number and she said nothing can be done. 

These are the telephone number to reach XXXX XXXX but he won't respond to calls nor text messages : XXXX XXXX XXXX and XXXX XXXX XXXX  I wonder why WELLS FARGO won't call XXXX XXXX to speak with him about my claim. Its been 4 weeks already since I made the deposit and he wouldn't withdraw the money nor Wellsfargo giving it back to me. What else am I suppose to do? Can anyone help? I really want my money back.

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 2019-06-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint and contacted the police department and obtained a police report which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2019-06-27 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC
State: CA

Complaint narrative:
I signed up for a personal loan if {$1000.00} and I had confused the payback amount. I had thought the interest was much lower amount. I called today as I thought I was near completion with the loan and found out I have at least 14 more bi-weekly installments which comes out of my checking account in payday. 

I would have never signed on for thus had I known. My payback amount is in excess of {$4000.00} which is over 4 times the amount of the original loan of XXXX. This is presenting s hardship and I need a way to get this addressed.

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