vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I filed a XXXX  XXXX bankruptcy to stop a foreclosure sale on my property. The notice of bankruptcy filing was received by the company ( Mr. Cooper and XXXX ). But on the day of the scheduled foreclosure sale, they sent a company to my home to change the locks. Those individuals went into my home and stole many items from my home. Also, my XXXX son was in the home during that time and thought that it was a burglary. He was terrified. He called me on the phone and I left work to get to my home. 

I have a copy of the work order and the police report that I filed. I also have a video, because I had cameras in my home at the time. On a different date, they also put a lockbox on my home so I couldnt enter. All while I was in a XXXX  XXXX bankruptcy. 

Also, in XXXX, I filed another XXXX  XXXX bankruptcy and contacted the loan servicer to make my payments. XXXX XXXX The Loan servicer ( Mr. Cooper ) told me that my payments were {$940.00} and I was paying that amount. XX/XX/XXXX, the the mortgage company ( XXXX XXXX XXXX XXXX  XXXX ) filed for a relief from stay sighting that I was paying the wrong amount. They said the correct amount was {$2500.00}. I feel they intentionally misrepresented the payment amount. Then on XX/XX/XXXX, they sold my property at a foreclosure sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: IN

Complaint narrative:
Called On XX/XX/XXXX, at XXXX XXXX. On hold for XXXX hours and XXXX mins. Spoke to XXXX ID number XXXX. Requested my student loan refund. Told me XXXX business days and it would be in my account. 

Called XX/XX/XXXX, at XXXX XXXX. 
The person I spoke with stated my refund request has been received however, the process is taking anywhere from XXXX weeks to 2 months. But reassured me my refund will be refunded to my banking account. Their system is just overwhelmed. 

Called XX/XX/XXXX, at XXXX XXXX. 
Automatic system told me they no longer service my loan and to call this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
An account from California Business Bureau Account # XXXX is reporting on my XXXX report. I bill that they mailed me is in violation of U.S.Code 1692 b 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and FDCPA Discussion. 

I am attaching a copy of the bill as proof, and furthermore I have already verified with the hospital that this is a billing error. They have made it clear that the patient was in fact covered at the time of this hospital visit. This error on my report has caused my business much harm and CBB should know that if this item is not removed I will take legal action. A copy of the FCRA is also attached as you will find this error is also in violation of many codes listed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
QWR and DVR to XXXX XXXX XXXX XXXX XXXX [ now part of XXXX XXXX XXXX meged with NewRez LLC ) re undated newly produced Allonge to her Promissory Note. 
On XX/XX/XXXX XXXX XXXX XXXX lawyer XXXX XXXX sent XXXX her non-endorced Note and two standing alone Allonges. 
One Allonge was dated XX/XX/XXXX, allegedly from XXXXXXXX XXXX  XXXX to XXXX XXXX XXXX XXXXXXXX ( Caliber ) prepared allegedly by XXXX XXXX XXXX XXXX. 
XXXX XXXX ( which appeared for first time from XXXX ) is undated, and prepared allegedly by XXXX post closing XXXX XXXX XXXX. 
According to this XXXX, the payee is XXXX while other parties demand payments from XXXX acting under glimpse of XXXX. 
XXXX demands disclosures and verification. 
Caliber must state when this Allonge was created and provide the actual date and office location where this Allonge was created. 
Caliber must disclose the full name of the Seller of XXXX XXXX, when and where this XXXX was sold, who was the buyer and proof of payment of this loan such as copies of wire transfer receipt, ACH or cancelled check. Please state names of each individuals for the seller and buyer who were involved in this transaction. 
Please disclose if this loan was recorded as an asset on Calibers books and records after this purchase and provide me copies of these records ledger of account receivable where my Note is recorded as an asset. 
Please confirm that Caliber is the current owner of my alleged obligation ; and warrantees of this ownership from an authorized individual officer of Caliber. 
Please provide the name of custodian of my original Note and the place where this Note and my Mortgage are currently located. 
Please make sure that all responses are wet-ink signed by an officer who is responsible for Calibers accounting or bookkeeping. 
XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: U.S. BANCORP
State: NJ

Complaint narrative:
XX/XX/XXXX we were sold a XXXX XXXX XXXX XXXX Credit card. At that time we were told it's " like a XXXX '' just spend against it and when your child turns XXXX, you can use it for college loans or books, etc. In XXXX XXXX XXXX a company named XXXX XXXX took over the rewards aspect of the card and supposedly sent us a letter stating they changed the program and that we would need to redeem our points every year to make the program work. We never signed anything, no email was sent, and WE NEVER RECIEVED ANY LETTER. We have been using the card like we were told but in XX/XX/XXXX, we called XXXX to see how the account was doing and they said we haven't been redeeming our points so nothing has really happened. We redeemed that day for @ XXXX dollars in points. However, we lost 6 years of compound interest. After contacting XXXX, they say it's an XXXX XXXX problem, and vice versa. This is an easy fix, but both companies are stating they can't do anything because a letter was sent. We never got any letter.

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/XXXX I applied for a PenFed credit card and was denied despite having very good credit, using less than 15 % of my available credit and my monthly debts are only 18 % of my monthly salary. These are XXXX of the most important credit history factors and I score excellent in all three categories. I filed a complaint which is attached and XXXX XXXX ( V.President of consumer lending operations ) expressed his regret and claimed my denial was not in anyway discriminatory but due to my short credit history. Well, I decided to apply again on XX/XX/XXXX, this time my credit score is higher XXXX - XXXX which is bordering EXCELLENT. I ave XXXX years credit history have applied for cards from XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and others approved each time, but I have closed all those accounts and only kept XXXX, XXXX and XXXX cards. I am using only 11 % of my available credit, XXXX negative marks, My monthly payments are less than 20 % of my monthly salary, but I am XXXX and live in a XXXX neighborhood. Although the neighborhood I live in is XXXX of the wealthiest in XXXX, it's still XXXX. Guess what Penfed again denied me. They are the only banks to ever deny me credit and now twice. I am convinced it is due to discrimination. I have white friends with just above 12 months credit history and credit score under XXXX who have been approved in the last 6 months. So how do they get approved with less credit history, lower credit score and I can not. MUST BE DISCRIMINATION. I would love for PenFed to provide the file they have on me from data they collect.

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 2022-10-19 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: IL

Complaint narrative:
On XX/XX/XXXX I submitted a dispute to XXXX and Equifax because I received a credit alert that my score had dropped over 200 points. In the dispute, I provided corporate documentation to show that they were reporting a XXXX corporate account ending in XXXX, on my personal credit file in which the usage caused me to lose two credit cards which were in good standing a XXXX XXXX  XXXX with a {$15000.00} credit limit, a XXXX XXXX XXXX with a {$12000.00}, denial for a mortgage loan, and the limit on other credit cards to be reduced because of the high usages. I informed them that the business 's high usage was killing my credit score, I went from XXXX to XXXX. 
In my dispute, I provided Corporate Documents ( Articles of Incorporation, an Ein letter, a Credit Card statement showing the Corporation name, and the letter from the creditor showing it was a business account ). I have called several times and they refuse to remove it from my credit file and changed it to an individual credit account which is inaccurate. This has cost my family financial hardship. I went from an excellent credit rating to a fair rating because of the business usage being reported on my personal file. XXXX removed it from my credit profile, but Equifax and XXXX refused to do so. I have submitted 4 disputes and they still refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
Since XXXX of XXXX the primary loan holder and the co signer have been getting multiple calls a day from Exeter Finance about the car loan. There have been no late payments on this loan except for XXXX of XXXX, it was XXXX days late. Regardless of paying the loan on time every month. Exeter still calls multiple times a day well before the loan is due for the next month ( if payment is due in XXXX weeks they will call everyday up until the due date ). We have spoke with them numerous times expressing exactly what dates the payments will be made on and they still continue to call even after that. 
From XX/XX/XXXX- XXXX XXXX they have called 3 times a day consistently on the primary holders phone and work number ( they have been asked not to call the work number and they still continue ), while also calling the cosigner the same amount of times everyday. XXXX of XXXX there was a late payment but half the amount was paid ( {$300.00} ) and they were made aware of that and told when a payment would be made. Despite that they continue to call and now the cosigners credit score has dropped significantly due to the XXXX  day late payment. There have been some financial hardships and they have not been lenient even at all even though this account has never had a late payment since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: WV

Complaint narrative:
The bellow XXXX accounts were added to my credit file only once they went to collections. I didnt open either of these accounts and only discovered them in XXXX of XXXX. Both accounts are fraudulent and have been reported to identitytheft.gov. 

XXXX fraudulent account Originial creditor : XXXX XXXX XXXX Account # XXXX Amount owed : {$13000.00} Placed in collections : XX/XX/XXXX XXXX fraudulent account Originial creditor : XXXX XXXX  Account # XXXX Amount owed : {$2700.00} Placed in collections : XX/XX/XXXX 22

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 2022-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Caliber Home Loans, Inc.
State: MI

Complaint narrative:
XXXX and XXXX  to Caliber Home Loans , Inc. re undated newly produced XXXX to her Promissory Note. 
On XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX sent XXXX her non-endorced Note and two standing alone XXXX 
XXXX XXXX  was dated XX/XX/XXXX, allegedly from XXXX XXXX XXXX to Caliber Home Loans, Inc ( Caliber ) prepared allegedly by XXXX XXXX XXXX XXXX. 
XXXX XXXX ( which appeared for first time from XXXX ) is undated, and prepared allegedly by Caliberss post closing XXXX XXXX XXXX. 
According to this XXXX, the payee is Caliber while other parties demand payments from XXXX acting under glimpse of XXXX. 
XXXX demands disclosures and verification. 
Caliber must state when this XXXX was created and provide the actual date and office location where this XXXX was created. 
Caliber must disclose the full name of the Seller of Loan XXXX, when and where this Loan was sold, who was the buyer and proof of payment of this loan such as copies of wire transfer receipt, ACH or cancelled check. Please state names of each individuals for the seller and buyer who were involved in this transaction. 
Please disclose if this loan was recorded as an asset on Calibers books and records after this purchase and provide me copies of these records ledger of account receivable where my Note is recorded as an asset. 
Please confirm that Caliber is the current owner of my alleged obligation ; and warrantees of this ownership from an authorized individual officer of Caliber. 
Please provide the name of custodian of my original Note and the place where this Note and my Mortgage are currently located. 
Please make sure that all responses are wet-ink signed by an officer who is responsible for Calibers accounting or bookkeeping. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Ive tried to pay off a loan with Credit Acceptance Corporation and these people at their company keep giving me different amounts needed to pay off my loan. I spoke to XXXX at Credit Acceptance today and asked him why their company told me I owed XXXX which I paid yesterday online and now I go to their website and not only are they stating I owe XXXX but its also showing a balance of XXXX. So XXXX is stating that I only owe XXXX to pay the entire balance in the loan but thats not what the system stated yesterday. So not only are they giving me different amount every day that Im paying them Im getting charged transaction fees because they are not giving me correct amounts to pay off this loan. This company needs serious auditing because what they are doing is scamming consumer!!!

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 2022-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MD

Complaint narrative:
XXXX did not remove this debt off my credit report. I filed a previous compliant and the company verified that they could not vaildate the debt and it should be removed from all credit report agencies. As it stands currently, this has not been communicated to XXXX to remove

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I requested a refund of all payments made as of XX/XX/2020 on XX/XX/XXXX. I was told it would take 30 days to process. It is now XX/XX/XXXX and I have received no confirmation of my original request, no update, and I am unable to get through to connect to someone at Mohela to inquire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
In XXXX I graduated from XXXX XXXX XXXX and paid off my loans in full. The college and myself and federal loan department have record of this. I did not attempt to re enroll until XXXX when I was accepted into XXXX XXXX XXXX XXXX XXXX XXXX. I was unable to obtain loans due to records of student loans taken out in XXXX that are linked to an address that does not belong to me and was included as part of identity theft from the XXXX data breach. The department of education can not provide the institution in which this loan was to cover tuition for. Ive spoken to multiple people and filed multiple reports and complaints attempting to have the loans removed from my responsibility for obvious reasons. Upon enrolling in XX/XX/XXXX in XXXX XXXX XXXX i was required to consolidate these false loans to proceed with admissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation