vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
This XXXX named company, " Mr. Cooper '' has once again tried to generate more funds via a charade on force placed insurance. This go round it is force placed flood insurance. They make if very difficult for one to provide the support they request for existing flood insurance. 
They use a site other than their mortgage site to upload documents to never noting on the main site in an easy location the link to that site. 

Once finally finding the other site, I found they did not have the same loan number showing on the XXXX  " Mr. Cooper '' site as my loan. Finally, getting the loan number to which it is associated. I uploaded documents. It is very difficulty and unclear and they use several upload areas. I uploaded by current flood insurance certificate from my condo insurance coverage in all of the various areas one could upload. 

I have now rec 'd an email that they have force placed flood insurance at over {$800.00}. They take far too much time to manage their horrid and inadequate processes. Rather repairing their issues and making it simple for one to provide documents, they make it as difficult and time consuming as possible so as to enable them to generate unearned and egregiously high fees!!! {$800.00}! REALLY!!! THERE IS NO JUSTIFICATION FOR THIS FEE LEVEL!!!! 

IT IS TIME THESE PEOPLE BE STOPPED FROM ATTEMPTED ROBBERY!!! 

FURTHER, THEY DO NOT PROVIDE A PHONE NUMBER ONE CAN CALL TO EASILY RESPOND TO THEIR OWN LACK OF DOCUMENT TRACKING, BUT RATHER PROVIDE A MAIN NUMBER ONE MUST WADE THROUGH TO GET TO A PERSON WHO THEN CONNECTS ONE TO AN INSURANCE DEPARTMENT THAT IS NOT PROPERLY STAFFED AND ASKS ONE TO LEAVE A MESSAGE!!!

MY LAST EXPERIENCE WITH THIS FIRM OF THEFT WAS THEIR PLACEMENT OF A {$5000.00} COST FOR WALLS IN HO6 INSURANCE!!! THEY HAD VIA AGGRESSIVE MARKETING CONVINCED ME TO REFI TO GAIN A LOWER RATE. I HAD NOT PREVIOUSLY BEEN REQUIRED TO HAVE HO6 INSURANCE AND THE SNUCK IT IT THEREBY ACTUALLY ENDING UP TO INCREASE MY MONTHLY COSTS. I AM NOW SURE THAT WAS NOT BY ACCIDENT, THE REFINANCE LOWER RATE BAIT WAS ONLY A PLOY TO FORCE ME TO PAY THEM FOR FORCE PLACED HO6. THEY THREATENED, LIKE XXXX  XXXX  XXXX  TO FORECLOSE UNLESS I CAUGHED UP THE {$5000.00} WHICH I DID. WHEN I PROVIDED THEM THE HO6 COVERAGE, WHICH ONLY COST {$450.00} FROM AN INSURANCE PROVIDER, THEY RESPONDED THAT IT HAD NOT BEEN COVERED FOR 6 MONTHS AND THEY THEREFORE WERE ENTITLED TO THE {$5000.00}! WHEN I REPORTED THIS TO THE CFPB I GOT NO RESPONSE FROM THEM. UPON LATER CHECKING BACK WITH THE CFPB IT FOUND IT SAID THAT IS HAD BEEN RESOLVED TO WHICH I RESPONDED BY FILING ANOTHER CFPB COMPLAINT THAT IT HAD NOT. THEY FINALLY GOT BACK WITH ME TO SAY THEY HAD PUT THE MONEY IN MY ESCROW ACCOUNT AND " DIDN'T KNOW '' I WOULD WANT THE MONEY BACK!!!! IMAGINE!!! WHO WOULD WANT THEM TO HOLD MY MONEY!!! THESE PEOPLE ACT WITH CRIMINAL MINDS!!! THEY ARE THIEVES!! 

THIS NEEDS TO STOP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NY

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been affected by the current pandemic Covid-19 corona virus since XX/XX/2020. I called Chase in late XX/XX/2020 to request a forbearance because they did not have any plans in place to help customers until later in the month of XXXX. I was told i was granted for the term of 90 days, and my account was still in a good standing. It is now XX/XX/XXXX, which is still within my 90 period and they have terminated my forbearance and reported my account 60 days passed due. As i call to dispute this on a call with a representative named XXXX was very unhelpful and outright disrespectful and more interested in telling me how " They aren't obligated to reach out about the matter ''. I asked to speak with a supervisor and was told that my account was only 32 days passed due and not 60 as my credit report reports and the supervisor acknowledged and confirmed that my term should still be within the 90 days. The pandemic has and is still affecting my work as the lock down from XXXX for 3 months was extended an additional 3 months where i currently am.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-05 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: CA

Complaint narrative:
I reviewed a recent copy of my credit report and noticed two unauthorized inquires. 
I have contacted the creditors noted below, to inform them that I did not authorize these inquires and they stated that they have no evidence that I initiated the inquires either. 

Inquires : 1. XXXX XXXX XX/XX/2020 XXXX. XXXX XXXX  XX/XX/2020 I Then contacted Transunion on XX/XX/2020 to inform them that I did not authorize these inquires and to please remove them from my credit report. 

Transunion contacted me back saying the inquires will remain on my credit report for 2 years. These inquires are unauthorized and now so my credit file and score are negatively affected by this inaccurate information on my file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NY

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NY

Complaint narrative:
I decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
I was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I contacted National Credit Adjusters regarding the alleged XXXX debt they claim I owe demanding validation of the debt pursuant to the fair credit reporting act as well as the fair debt collection act. National Credit Adjusters has refused to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020 I walked into a branch and deposited a XXXX check from California child support. Later that day I recieved a Emil saying my account was going to close. XXXX XXXX I called the fraud prevention department and they made me aware they placed a hold on the check which caused my account to over draft. That representative took the hold off the check and placed it back into my account. XXXX XXXX Wells Fargo deducted {$1200.00} from my account saying they gave it to me twice. The representative from XXXX XXXX forced the check into my account instead of releasing the hold. So I put {$1200.00} they took it out it back as a in branch deposit and then took it again. They wont even give me proof of the hold or wont show where they took it only that it was in my 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 2020-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This is a health savings account with XXXX Account Services - PNC Bank as Custodian. I have money in the account and wanted to withdraw it, but the card was expired and they never sent me an updated card. I called several times asking for a card and was advised one would be sent. I never received a new card. I received a statement showing that this company has been charging me {$4.00} a month for no reason. The statement describes the fee as " Benefit Admin Fee ''. This started in XXXX of XXXX. I called on XX/XX/XXXX ( spoke to XXXX ) and asked why I was being charged the fee and she would not tell me, she referred me to my current health savings account bank ( XXXX Bank ) and said they were charging the mysterious fee. I demanded my money back and had XXXX open a ticket ( Confirmation number XXXX ). I also demanded they transfer my money to my current XXXX account and close this account. She advised this must be completed by form. As of today ( XX/XX/XXXX ) I have not receive the form, and they CONTINUE to charge me the fee. 

I contacted XXXX Bank right after that call and was advised by a representative named XXXX that this fee was not theirs, she suggested it may be from my health insurance company. I then called XXXX XXXX XXXX XXXX and spoke to XXXX who said they don't charge a fee and it sounds like it was the bank ( XXXX Account Services - PNC Bank as XXXX ). 

This is CLEAR violation of XXXX. They will not allow me to access my funds, they are refusing to send me the documentation needed to close my account, and they are continuing to charge me a monthly fee that I can not avoid, nor was advised of. 

Side note : My company switched XXXX services at the beginning of last year. The entire time I used them, I was not charged a fee. This fee came without advance notice and without explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Service Finance Holdings, LLC
State: FL

Complaint narrative:
When I received my XXXX billing statement from Service Finance Company LLC I contacted their call center and asked for the payoff amount of my account and was told it was XXXX. I paid the full amount of XXXX through my online XXXX XXXX XXXX XXXX Account. Being that it was such a large amount the payment didnt clear until XX/XX/2020. Then in XXXX I received two statements XXXX was dated XX/XX/2020 and the other was dated XX/XX/2020 with a due date of XX/XX/2020 and a due date of XX/XX/2020 which stated total past due XXXX, total current due XXXX. On the bottom portion of both statements it stated that nothing was due. Both the statements read Principal XXXX and Interest XXXX on the far-right Column it read as follows Principal XXXX and Ending balance current Principal of {$22.00}. So, to air in the side of caution I went online again and paid the {$22.00}. Then a few weeks ago I received a letter from Service Finance stating that my account was paid in full as of XX/XX/2020. Over this past weekend XX/XX/2020 I received a notice from XXXX XXXX that my account is 30 days past due and that I have an outstanding balance of {$20.00}. I contacted the company several times but they insisted that the account was past due by 51 days. I dont understand how this could have happened and I was told by one of their employees that I would be receiving a refund check in the mail for over payment of the account. How could I be late and have a outstanding balance if I am receiving a refund from the company. I told them that I am very disappointed on how this is being handled and not only that when most companies are helping people through hardship in a time with the Covid 19 pandemic Service Finance has destroyed my good credit. My credit sore went down XXXX points I asked politely for some kind of help in this manner with the credit bureau and I was pushed aside and was told that they could not help me in this matter. I sent them a certified letter with copies of all my statements and they still wouldn't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I moved into the XXXX XXXX apartments in XX/XX/XXXX and lease expired in XX/XX/XXXX. I continued to live there without a lease and new owners took over in XXXX of XXXX. They wanted me to sign another lease and I found out my husband would not be able to live there so I started to look for another place to live. I moved out without giving 30 day notice because i did not want to miss out on the place I found. I informed the apartment manager and she told me thats fine you will just lose your deposit. I also called her after I moved and let her know I was working late that day and couldnt bring the keys until the next day and she said dont even worry about it. We kept your deposit and you moved. We have a key so you are good. So I moved out the week of XX/XX/XXXX. Never signed anything after the initial lease in XX/XX/XXXX. 
I got a couple calls from Procollect a few months later stating I owed {$2500.00}. They informed it was for XXXX  XXXX  and I should call them. 
I did and they said I owed late fees and key fees and resetting fees. I told them what the manager said and I didnt have a lease and they kept my deposit and the girl just didnt say anything else. 
I disputed with procollect and they sent me a copy of my initial lease. A copy of the itemized charges but you can only see the total and an unsigned lease contract renewal. Procollect has NO validation {$2500.00} is owed to them or 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 2020-06-05 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: AR

Complaint narrative:
I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I noticed that Midwest Recovery System has reported a collection debt on my credit report as of XX/XX/2020. I have no knowledge of this debt and have never used XXXX XXXX, which is list as the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am trying to set up an account with XXXX so i can my pay my montly rent but its not allowing me to set it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Unable to connect my account to digit

Company response to consumer: Closed with explanation