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

Complaint narrative:
I On XX/XX/XXXX, I noticed a notification of a document that I was prompted to review from my mortgage company, Mr. Cooper. I logged and found that a Escrow Analysis had been done and found that I was in deficit of {$10000.00} and my mortgage payment was going to increase from {$2800.00} to {$4900.00}. Needless to say, I called Mr. Cooper and they stated that I have an Escrow had a deficit and I have a new AV in the amount of {$17000.00}. This in my opinion could only be true had I done any major home construction improvements like add a bathroom, expand a kitchen, add a deck. I have done nothing. My home is a new construction and as the Tax Assessor explains that because it was a new construction and was under the reporting of the builder, my first year taxes did not include the home structure Assessed Value. So that's why there was a lump sum payment at the end of XXXX in the amount of {$10000.00}. 

Mr. Cooper is stating that they have reviewed the Tax Assessors website and looked up the property and have made an estimated assessment that my taxes will be at year end {$17000.00}. When in fact if you look at the tax assessors letter its clear that the estimated AV, based on XXXX interest rate because XXXX interest rate has not been distributed, will be {$11000.00}. The Tax Assessor explained that when the XXXX interest rate is distributed, it would never be in excess of thousands of dollars. 

My main complaint is that I believe that Mr. Cooper like many financial institutions are preying on people with FHA Loans that consistently pay their mortgage with ways to make more money on those accounts. I say that because Mr. Cooper representatives have been literally hounding me to refinance, I receive an insane amount of emails, phone calls and letters. They are promoting some FHA refinance package that allows people to refinance with no credit check, no downpayment. I understand that there are programs around like that for people who are in severe financial distress I am still employed so I though I struggle with balance, I am not in that place. 

I am reporting this complaint because practices like this do a couple of things : 1. Allow people to lower their payment who are not in need to do so and limits resources to people who may desperately need to lower their payment. 
2. Allows banking institutions like Mr. Cooper get away with financial bullying If I did not have the mental acuity to call the Tax Assessors office to get answers, I would believe the mortgage company and would probably be forced to sell my home or refinance which could ultimately be the cause to me losing my home since Mr. Cooper so strategically generates these scenarios.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: FL

Complaint narrative:
Successfully received and transferred cryptocurrency via Binance.US on XX/XX/XXXX. As of XX/XX/XXXX, I was no longer able to access the funds ( now USD ) that are being held in my Binance.US account. Multiple trouble tickets and messages were sent via the company 's website and their XXXX page. The only emails received were auto-generated, and the company has replied only once on XXXX with no additional follow-up. All verification procedures required by the company have been completed. I appear to be one of hundreds of customers dealing with this matter. No public statement has been issued by the company, and no timeline stating a resolution to this matter has been released.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: RI

Complaint narrative:
MetaBank sent me an unsolicited card ( ready for activation ) by mail, to my old address ( luckily it was forwarded to me ) in a card requesting my direct deposit ( bank account ) information. When I tried to call the number on the back of the card, it kept asking for my full social security number, which I would not enter because, again, I did not request the card so I'm not even sure if this is a legitimate business. Because I would not enter my information, the automated system just hung up on me with no option to speak to a representative. I work in the banking industry and have never heard of this practice of just sending out live cards for activation to people who did not actively request them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Premier Auto Credit
State: CA

Complaint narrative:
My balance has reflected an incorrect amount owed for quite awhile, among other issues/communication problems since the inception of this loan being transferred to this company. I spoke with the supervisor XXXX XXXX, XXXX XXXX, and some other ladies on the phone about this MULTIPLE times throughout XXXX. XXXX XXXX told me I was missing XXXX, XXXX, XX/XX/XXXX payments ( even though I wasnt even financed through them at the time ) and I sent bank statements and cancelled check copies proving they were paid. I also asked why was I never informed of missing payments when they bought my loan in XX/XX/XXXX and was told they just put my loan up to date. What? That makes no sense. Then she told me I was missing XXXX, XXXX, XX/XX/XXXX payments once I sent proof of the XXXX payments. Ive never missed any payments and sent all bank statements she requested to prove this. After proving I made all payments, she said she would " forward to upper management. '' This was XX/XX/XXXX. I have not heard anything since, and she refuses my calls, always in a meeting, lunch, on the other line, or just transferred to her voicemail. I have left countless voicemails and emails ( that XXXX XXXX confirmed she received ) and was told she would call back and email back however she has not. On XX/XX/XXXX, XXXX stated that this would be resolved by the end of the business day and XXXX would send me an email for my records and give me a call. That did not happen and I've called again since, and she is still not taking my calls. I just want my balance to reflect what I owe, so that I can pay off the vehicle and receive my title. The maturity date of the loan is XX/XX/XXXX, and I only have two payments left on this loan however my balance shows + {$1000.00} more ( because they claimed I missed 3 months payments, which was proven to be false ).

Company public response: Company believes the complaint is the result of a misunderstanding
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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAMEI am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA & # 39 ; s. On XX/XX/2021, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear CFPB, In XX/XX/XXXX, we began closing any credit lines ( store ) that we did not need as we were purchasing a new home. 

We called Comenity Bank/XXXX to close the account. 

We asked for full balance to close the account. 

We made payment on XXXX-PAYMENT - THANK YOU -- {$420.00}. 

We paid the full balance above and requested the account be " closed ''. 

XXXX assessed a late payment in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with late fees charges and amounts. 

We called XXXX. They apologized and issued a letter on XX/XX/XXXX stating my account was current and there should be no late fees reflected on my account or credit agencies. See below. 

Nonetheless, my credit score has dropped 50 points right before we were buying a home and it significantly impacted our ability to buy the house via credit bureaus We lost the opportunity to buy the house. I am so upset and frustrated and want to report the behavior of this creditor and feel they owe me compensation for losing the house, ruining my credit history/score and taking significant time away from my job & career to fix this problem which is still showing as " late '' in the three bureaus -- Commenity Bank/JXXXX. What else can I do to fix my credit and file a complaint against this Bank. It is not fair and I do not have an power to fix this problem. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Page 1 of 2 Send Correspondence To Comenity Bank XXXX XXXX XXXX XXXX, OH XXXX All Bankruptcy Notices/Related Correspondence To XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX Account Ending In : Dear XXXX, This letter contains important information regarding your J Crew credit card. Comenity Bank issues your XXXX XXXX credit card and we handle all account-related requests. 
We understand there was a concern regarding your credit report, which reflected a delinquency in the month of XX/XX/XXXX on your XXXX XXXX account. 
To address the concern, we have updated our records to show this particular month as current. We have notified the credit reporting agencies of the update that needs to be made to your credit report. Balances are subject to change and any updates will reflect on your credit report within 30-45 days. 
We value you as a customer and apologize for any inconvenience this may have caused. 
If you have further questions about your account, please contact the XXXX XXXX team, toll free, at XXXX ( TDD/TTY : XXXX ). We will be happy to help you. 
Sincerely, Customer Care team

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: MI

Complaint narrative:
I have sent several dispute letters ( l ast two disputes sent were XX/XX/XXXX & XX/XX/XXXX ) requesting that Experian provide documentation that the alleged inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX ; XXXX CARD Dated : XXXX XXXX ; XXXX XXXX XXXX : XX/XX/XXXX ; XXXX XXXX. Date : XX/XX/XXXX. I asked that they provide documentation associated with these accounts bearing my signature. In the absence of any such documentation bearng my signature, i request that all accusations of inquiries be immediately deleted from their credit file under my social security number. Experian response to my dispute is " inquiries are reporting on credit report up to 2years ''. They have not provided documentation nor removed these alleged inquiries from my report. Please investigate and request the removal of these inquiries.

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 — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated
State: IL

Complaint narrative:
I am filing this complaint because a transaction was made on my account on XX/XX/2021 in the amount of {$180.00}. I contacted the store on XX/XX/2021 directly and the store manager was no help. So I contacted corporate as well on XX/XX/2021 and they informed me that I would have to contact the institution in order to get my money back. Unfortunately the card is my child support card so I am unable to get a hold of anyone. These charges occurred in New York. I live in IL and have never been to New York. I feel like I am being punished for someone stealing my card information. I have canceled the card and requested a new one.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I WAS APPROVED FOR A TRIAL MODIFICATION. I COMPLETED THE TRIAL PAYMENTS REQUIRED. I RECEIVED THE PERMANENT LOAN MODIFICATION. I SENT THE PERMANENT MODIFICATION BACK WITH A COPY OF THE QUITCLAIM DEED FOR THE CO-BORROWER. HOWEVER SPS HAD NO INTEREST IN ACCEPTING MY PAYMENTS AND INSTEAD INITIATED THE FORECLOSURE PROCESS AGAIN. I COMPLIED WITH ALL THE PAYMENTS. I MADE MY PAYMENTS ON TIME AND IN FULL. THEN SPS CAME BACK WITH AN APPROVAL, A REPAYMENT PLAN THAT IS NOT WITHIN MY MEANS.NOW THEY ARE FORECLOSING ON ME WITHOUT GIVING ME ANY OPTION TO AVOID FORECLOSURE. I COMPLIED WITH ALL OF THE TRIAL PAYMENTS. I SENT BACK THE SIGNED PERMANENT LOAN MODIFICATION DOCUMENTS. I MADE SPS AWARE THIS ENTIRE TIME THAT ONLY I THE PRIMARY BORROWER WOULD BE SIGNING THE PERMANENT LOAN MODIFICATION DOCUMENTS AND WAS TOLD THIS WOULD BE OKAY AS LONG AS I PROVIDE THE QUITCLAIM DEED, WHICH I DID. SPS RENIGED ON THE SIGNED AGREEMENT.

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: 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: FL

Complaint narrative:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAMEI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA & # 39 ; s. On XX/XX/2021, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I notice on my credit report that there is a collection account from CREDIT COLLECTION SERV XXXX in the amount of {$98.00}. I have sent letters and have not heard any responds from them.

Company public response: Company believes the complaint is the result of a misunderstanding
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: FL

Complaint narrative:
My complaint is GENERAL ... please do not involve my bank, but publish. 

I think it's time to make all mortgage companies SELF-INSURE their investments. Mortgagees S/N have to annually seek ( and hopefully get ) policies, and then prove coverage. It is aggravating and a real burden, personally and financially. Here in Florida, it now costs in excess of $ XXXX/year to insure a 1-bed condo for a {$60000.00} loan ; insurers are leaving the state, and policies issued have poor coverage for the cost. The amount of paperwork between bank/homeowner/agent, each year, is itself outrageous. 

It is time for national reform. If lenders want to eliminate virtually all risk, make THEM pay!

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: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I don't how the regulator allow Blackhawk Network to operate. It seems no law enforcement is reading these complaints, which is very disappointing. 

Another issue using the cards. 
The tactic used by Blackhawk is to issue the payment, but to make it hard or impossible to use the funds, as you can see from previous complaints. 

I have two prepaid cards, they were issued as virtual cards but to pay in-store they can be added to a wallet ( like XXXX XXXX ). 

I followed the instructions ( poorly written by the way ), used the Blackhawk app ( rated 2.2 out of 5 stars ) and the app added the cards to XXXX PXXXX. 

Guess what? When it comes to actually using it, it is denied. Several attempts were made at XXXX, different amount, the transaction was denied all the time. 

I'm unable to use the cards. 

Card numbers are : XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Allied International Credit Corp., (US)
State: UT

Complaint narrative:
I received a collection letter dated XX/XX/2021, from Allied International Credit Corp., located in XXXX, Virginia, alleging that XXXX referred my account to them for collection of {$120.00} owed on my account ( the XXXX account number they referenced isnt even close to an actual XXXX account number ). I contacted XXXX customer service and they verified that I do not owe XXXX ANYTHING. XXXX advised that this is likely fraudulent and asked that I send a copy of this letter to their Fraud Department, as well as filing a complaint with the Attorney General in Utah and Virginia, and the XXXX XXXX XXXX, which I have done. ( There are hundred of similar complaints about this company on the XXXX  webssite. ) This company also apparently has an address in XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, ON XXXX ).

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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2021 I sent a letter to each of the credit bureaus, XXXX, Equifax, and XXXX regarding inaccurate and unknown items on my credit report. As of this date, I have not received a response yet. I believe that I am being taken advantage of and ignored regarding my disputes. In Section 611 ( a ) it is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been almost 60 days, XXXX days exactly. Therefore, the items should be deleted promptly. I demand these items and/or accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/21, Zelle transferred {$490.00} from my checking account to someone named XXXX XXXX. I do not nor have I ever had a Zelle account. I do not know XXXX XXXX. 

My bank was notified XX/XX/21 that this transaction was made without my approval. The transaction was not stopped. I phoned Zelle to make them aware, but was told this was an issue I had to take up with my bank. They would not help me.

Company response to consumer: Closed with explanation