vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
This problem is from a mortgage company called mr cooper. The first issue was with the first loan officer who did do his job properly which pushed our process of closing on a property a month later. Second issue happen after getting everything caught up and all parties agreed upon waiting for later closing date. I paid for inspections, and also a down payment on property as advised. which money I loss as well with out being at fault. However day of closing at attorney 's office with the pen in my hand to sign for home for me and my family, closing attorney tells me to call loan officer because we are waiting on closing paper. So I called, and my heart and my humility was tarnished after mr cooper tell me loan was denied because of an " GAP '' check. An old account on my wife credit that was resolved. I called mr cooper and asked what is the process of a gap check ( when is it done ) and was told three to seven days prior to closing. I feel I was treated unfairly and did not get any of the money I have loss. On the day of closing! I have proof of all documents closing dates everything needed to get this resolved please help me and my family. Not mention they have a FHA rejection on me and my wife account which is making it hard to apply for another mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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:
My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX  XXXX XXXX  for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.

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 2019-12-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Recovery Systems, Ltd
State: DE

Complaint narrative:
I received a debt collection notice dated XX/XX/2019, in response to the letter I sent a letter within 30 days ( Mailed XX/XX/2019 ) ( proof of mailing ) informing the collector to cease further collection until the debt has been validated. I have asked them to send me a breakdown of how the charges were calculated and how they came up with the bill amount. They are to stop collection on the debt, including any reporting to the bureau 's. They have reported to at least one bureau which is continuing their collection efforts, which is against the law according to section 805c and 809b of the " fair debt collection practices act '' Please have the collection account removed until the debt has been validated through the proper legal means.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Equifax refuses to let me manage my own information. I have submitted disputes that were approved and had accounts fall off of my account. At a later time they have added these accounts back to my credit report after found to be fraudulent/and or following policies that are against the law. 

Now they have stated they have a system issue which has been ongoing for 7 months which is there excuse for why I can not login to myequifax. I have been told this about a half a dozen times and promised they would fix this and make it right. 

They have repeatedly made promises to me that have been nothing but lies such as when accounts were to fall off my credit report, ( stated automatically after 10 years an account would fall off, I have accounts over 11 years old they refuse to remove ), and have since PROMISED they would get the issue fixed as to why I can not login and submit disputes via my equifax. 

I do not think it is right for a company like equifax to manage a file on someone that they have no control over. There stance is if I don't like information they have on file for me to take it up with the company reporting to them. It's my life and should be mine to manage, not a credit reporting agency who profits over doing nothing but causing headache and pain for consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: CA

Complaint narrative:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX XXXX as I am a customer with 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 2019-12-13 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: FL

Complaint narrative:
My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX XXXX XXXX for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.

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 2019-12-13 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:
My information was compromised and used to obtain unauthorized credit card accounts with XXXX  XXXX XXXX for {$2800.00} and XXXX XXXX XXXX for {$1400.00} which was never paid and caused my credit to take a huge hit and its affecting my ability to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently sent a hand written, certified letter to Equifax looking for help on countless unauthorized inquiries that appeared on my credit file. In my letter I requested original documentation bearing my signature, allowing that particular company to view my credit file. Along with this letter, I provided a color photo of my state provided drivers license and original social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 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: CA

Complaint narrative:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with 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 2019-12-13 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: CA

Complaint narrative:
Upon Review my credit files, it showed a Collection from XXXX in the amount of {$210.00} reappear in my credit files which have already been settled in the past. This account was mistakenly reported by XXXX and I have reached out to settled with the creditor. I have no association with XXXX service as I am a customer with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
On XX/XX/2019, I returned by mail with receipt the written interrogatories that the company sent me. Included in that was my sworn statement that I was NOT employed and that I was receiving Social Security XXXX 

On XX/XX/2019, I received a notice of garnishment from the attorney that is the subject of this dispute. I called and talked to XXXX and then to XXXX, explaining that I had not worked for the company listed for almost a decade and that the ownership had changed. XXXX told me that he had information that I was currently employed by the company. I said I would like a copy of that information as I had just made a sworn statement that I was not employed. I asked if they intended to take me to court for perjury since they claimed to have proof that I was employed and XXXX said No. 

I live in a small town and I don't think that this debt collector should be able to contact people that I previously worked for and issue garnishments for wages, which is informing people, that are NOT my employer, that I owe a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
I continue to get calls from the offices of XXXX. At first I received a call from " XXXX  county courts '' saying that ill be served if I don't call the law office. they then gave me a case number. when I called the courts back they stated that the person didn't work there and they had no record of the case number because it was missing a digit. the case number they gave me when they called me was it I triple checked. then later I called XXXX and they said they were collecting a debt for ace cash express and they made 2 attempts to contact me and now they'll have me arrested.

stressed out I called ace and they said that they no longer had the debt. now I am completely confused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
We moved out of our apartment complex back in XX/XX/XXXX. I one day out of the blue for college needed proof of residency for college. Getting a record of my last apartment to prove I was living in Florida I had to email my apartment complex. When they responded they didn’t explain anything other than we owed them XXXX$. We sent certified mail to them and a check and they returned it to us saying they sent our information to a debt collector whom we’ve never even knew or heard about before. they weren’t going to bother us until I contacted them over almost 6 months later. We sent a certified letter as well to the agency within the 30 days of never receiving notice about such a debt. They are ignoring us and won’t respond back to our certified mail that was sent out. We believe this is unfair and the fact no notice was ever given. It’s all wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
need cedar financial to refrain from contacting me. receiving demand for roughly 600USD. they are stating that I violated city pedestrian code while vacationing in XXXX almost 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a dispute for a car loan with XXXX XXXX XXXX XXXX that was a paid charge off on my account. The results of the investigation stated that the item would be removed in XX/XX/2019. I called XXXX and was utterly disgusted at the level of service that I received. The representative advised me that the item would not be removed until XX/XX/XXXX.which is totally unacceptable. I requested a supervisor and was passed around like a ping pong ball by XXXX, XXXX, XXXX, XXXX, XXXX  (totally condescending and transferred me back to the XXXX  after requesting a supervisor in the USA, XXXX  (hung up on me). At this point they even blocked my cell phone so it just rang when I pressed 2 for a customer service representative but when I called from my house phone a representative picked up immediate while my cell phone continued to ring.I finally got a representative in the USA by the name XXXX  who got me to a supervisor by the name of XXXX, She made every effort to assit but since I verified every item on my credit file successful except the month the dispute was filed they denied me service. This item has been removed from my XXXX  XXXX  report for almost a year so there should be some consistency with how these investigation are managed. If the results of the investigation were inaccurate I should not be penalized for their mistake. This company should not be allowed to manage anything pertaining to peoples livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
RE : Case # XXXX ( JPMORGAN CHASE BANK , NATIONAL ASSOCIATION ) I was refereed to CFPB by Office of the Controller of the Currency regarding the case # above. 
The issue I tried to resolve by contacting directly Chase is about the escrow account my mortgage loan had with them. As you see in the attachment I included in this inquiry my I started writing to them ( after talking to them on the phone ) on XX/XX/XXXX. I sent them a request to cancel the escrow account per State of California law with regards to escrow accounts ( SB-633 Mortgages : impound accounts ). They repeatedly mentioned in their response ( and last time in their response to me on XX/XX/XXXX after I filed the complaint with OCC ) that since escrow account is used to pay for private mortgage insurance of my loan, they can't cancel that. 
Please note that they finally closed my escrow account on XX/XX/XXXX ( letter attached ). This was a few days before refinanced my mortgage loan and moved to another financial institution. However, they did not provide an answer to my inquiry in terms of financial compensation as I wrote to Mr. XXXX XXXX XXXX and Mr. XXXX XXXX on XX/XX/XXXX. Hypothetically speaking, even if an escrow account was needed for PMI purpose, they were collecting around {$700.00} a month while my loan PMI was only $ XXXX/month ( statement attached for your reference ). 
To help them to understand the situation, I included a breakdown how ~ $ 550/month difference in cash flow can affect someone. 

I would like to ask for your assistance to settle this case with them. 

I appreciate your help. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lending Club Corp
State: TN

Complaint narrative:
Lost income due to medical emergency, tried to contact lending club, bank and XXXX. Bank and XXXX helped. Lending club seemed to understand for the first two months. I can not find a job, i am a XXXX vet who can not find suitable employment. I am more than qualified and couldnt even get a job at XXXX XXXX. I was hit with two XXXX hangout scams for fake interviews. One was even on XXXX. Ive worked with the DVA and nothing was done. Ive applied to myriad of jobs. I was begging XXXX to help me somehow because I did not know what to do. Now Im getting spam calls, people leaving zodiac breathing voicemails and hanging up. Then I receive a letter from pay XXXX and they now want to get me in contact with the person I owe this debt. I had to change my number. I no longer know who is who anymore. Please help, I am NOT THE ONLY ONE!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
TJMaxx Credit Card, I made a payment in full for {$82.00} on XX/XX/2019 it did not show as paid on my online account. It appears it posted later XX/XX/2019, however I paid again as it didn't show as paid. Once it did  appear I reversed the overpayment by stopping my bank from paying a second time. I also called TJMAxx CC to inform them to not process this second payment of {$82.00}. As a result I now have a credit of $ -XXXX. It would have been $ -XXXX. However by stopping overpayment only was a credit $ -XXXX. 
Today XX/XX/2019, I received a disturbing letter dated XX/XX/2019 from Synchrony Bank stating they decided to close my account : Reason for decision : the number of dishonor payments on this account. 
( 1 ) my bank reversed overpayment the TJMaxx agent I spoke to indicated there was no record of me speaking with a TJMaxx agent upon realizing I overpaid. I did speak with their agent. However appears nothing was noted. 

I called today spoke with XXXX and escalated to XXXX. They continued to tell me due to the " dishonored payments '' they could not reverse. Even though they agreed it would be an overpayment. As my account now indicates a credit of $ -XXXX. 

Originally this CC was unsolicited and sent to me while they took it upon themselves to close my original TJMaxx Rewards card and replace with the current credit card. Not my choice. My TJmaxx cards have always been paid in full every month. Never carried a balance. In addition I had earned numerous reward certificates for purchases that are now invalidated due to their decision to close this account on the basis of me stopping an overpayment to this credit card. 

Complaint : 1. Closing my account based on overpayment 2. Invalidating reward certificates earned due to closing my account Please advise. As I like many work very hard to make my payments and pay most cards in full to avoid the unreasonable APR fees. I am upset as this affects my credit rating and I loose rewards earned. 

Thank you XXXX 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 2019-12-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There's a collection on my credit report XXXX Transunion, XXXX XXXX  XXXX for a loan I did not take out. XXXX XXXX XXXX is a company that is reporting me delinquent for a loan I DID NOT take out from a company called the " the XXXX XXXX ''. Transunion has determined that the debt is valid. I'm saying it is not valid. I have tons of collection items -- -this is not one of them. This debt does not belong to me.

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 2019-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/2019 PayPal put a temporary limitation on my account after I received dividend payments into my account. I was asked to provide personal info : Drivers License, Bank Statements, reason for transaction. They informed me they would review the statements and lift the limitation and allow me access to my money within 5 business days. Today it has been 10 business days and the limitation has not been lifted and no response from them on reason why. I have called several times to Customer Service and they can not tell me why. To withhold someone's money that does not belong to you constitutes fraud. I need my money to pay bills. I need my money released. PayPal does not own this money to withhold it they are a payment service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
on XX/XX/19 i rote a chke to myself from my XXXX chk acct and deposited it to my wells fargo chk acct. on he XX/XX/19 the funds appeared om wells aro chk acct. not wanting to leave tha much in chk acct i from wells fargo online banking transferrd funds {$2500.00} ovrt to my savings acct. XX/XX/19 i chk my online wells fargo acct which should read $ 2800+ now reads {$400.00} XXXX a direct depost from that morning. i caaled wf several times to find out where my $ $ was and everythine got a different story from several people i spoke to. MyXXXX took the {$5000.00} from my account so wells fargo has it and refuses to put in my acct saying monies are being helf but cant tell me why or tell me the monies will be avaiable on the XXXX that is not accetable t e wells fargo has STOLEN my $ $ WF phone XXXX XXXX my case # XXXX please help ive written to your agency in the pass with not return call or enail i was ignored i'm hoping you dont repeat your history with me

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