vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
We refinanced our home and the loan was sold to Mr. Cooper. During this time, we purchased a lot behind ours so our green space would not be sold and developed. Our lot will increase by .1837 acres. We paid cash for this less than 1 acre of land. We sent paperwork to Mr. Cooper to include this PAID FOR LAND onto our deed ; thus making the property worth more than what they financed. I have been in contact with several different people about this addition to our mortgage. I have had a lawyer contact them. Mr. Cooper is requesting an appraisal of our total property which is an undue burden on us. An appraisal was not necessary when we refinanced, so why should it be necessary for an appraisal now? I did not request my loan to " sold '' to Mr. Cooper, they were not my choice. I sent all the necessary documents to Mr. Cooper and the lawyer sent documents also. There are at least 4 other household affected by this company. There are about 80+ properties affected by this buy out. Only Mr. Cooper is requesting an appraisal. This appraisal is going to cost about {$1500.00}. Then we will have to pay an additional fee to have it added to our deed. This is a ludicrous demand, causing a financial hardship and massive amount of additional paperwork. I started this paperwork process back in XXXX. They took their time getting back to me. I phoned several times, I finally got in contact with a supervisor who agreed this seemed overboard. I have a trail of emails from me and my lawyer attempting to resolve this matter. I have had to pay out of pocket for the lawyer and can't believe this demand being made by Mr. Cooper. It is a very simple process, I have sent all the supporting paperwork and gave my lawyer 's name for additional questions. Not only have they demanded an appraisal, they have been very bad about contacting me and my lawyer back. This is now XXXX and I have been trying to get this resolved since beginning of XXXX. I am extremely frustrated and discouraged. I do not understand the need for an appraisal for such a minute addition of paid for land ; especially when there was not an appraisal needed for the refi. I know there has been at least one other land owner that has contacted you about this company. Thank you for your prompt attention to this matter, you have at least one other complaint so far. I have retained a trail of emails, I don't know how to copy/paste these but will be glad to forward them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Mr. Cooper is up to its old tricks again of force placing flood insurance despite having been provided the evidence of coverage in a timely fashion!!!!! THEY FORCE PLACED FLOOD INSURANCE AT A COST OF On XX/XX/2020 we made your Condo Flood Insurance payment of {$850.00} to XXXX XXXX XXXX HOWEVER, THIS IS A CONDO FOR WHICH THE ASSOCIATION PAYS ON A TIMELY BASIS AND FOR WHICH I HAD UPLOADED THE CERTIFICATE TO MR COOPER IN A TIMELY BASIS!!!!! THIS NEEDS TO STOP!!! THESE PEOPLE CONTINUALLY ATTEMPT TO GAIN UNEARNED REVENUES VIA THESE INSURANCE GAMES!!! IF THEY DON'T FEEL THE CAN GENERATE SUFFICIENT REVENUES VIA SERVICING THEN THEY NEED TO GET OUT OF THE BUSINESS ALTOGHETHER!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX  XXXX XXXX # XXXX XXXX  XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX JPMCB CARD # XXXX JPMCB CARD # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
To Whom It May Concern : I formally request that the following inaccurate items be immediately. 
REMOVED, these account are not mine and are fraudulent account and these company refuse to eliminate these account from my report XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX BARCLAYS BANK DELAWARE # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX 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 2021-05-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in XXXX I originally lost my information in a wallet and i wasn't aware of motoring my credit. So, in XXXX when I checked my credit report. I seen so these accounts that did not belong to me. I requested to have 3 Credit agencies freeze my credit file and added fraud alert. Then started disputing the accounts that didn't belong to me and the only one that has not deleted the remaining credit cards accounts is XXXX. The other 2 comply with my request back in XXXX. It will be 8 months and counting that no changes were made with these store credit cards accounts that do not belong to me. I sent XXXX  copies of the FTC ID theft report copies and still no deletions were made. I can't allow to use the excuse of COVID due to delays when is my personal information is at jeopardy. I demand these accounts be deleted immediately or i will file ligation due to the distress XXXX  caused 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 2021-05-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Back in XXXX I originally lost my information in a wallet and i wasn't aware of motoring my credit. So, in XXXX when I checked my credit report. I seen so these accounts that did not belong to me. I requested to have 3 Credit agencies freeze my credit file and added fraud alert. Then started disputing the accounts that didn't belong to me and the only one that has not deleted the remaining credit cards accounts is XXXX. The other 2 comply with my request back in XXXX. It will be 8 months and counting that no changes were made with these store credit cards accounts that do not belong to me. I sent Equifax copies of the FTC ID theft report copies and still no deletions were made. I can't allow to use the excuse of COVID due to delays when is my personal information is at jeopardy. I demand these accounts be deleted immediately or i will file ligation due to the distress XXXX caused 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 2021-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover calls me at least five and up to six times every single day for three months now They have changed the number they use to contact me multiple times so multiple numbers have been spam calling me and harassing me on the daily The numbers they have been literally harassing me with are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX I am evidently a student as I have a student credit card, so they are spam calling me during times that are evidently inconvenient for me My voicemail is filled because of all of the voicemails they leave and I can not receive important phone calls because they spam call me This is literal harassment because they call me on multiple numbers, multiple times a day which is very illegal to do when collecting debt under the Fair Debt Collection Act

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing in order to complain about the handling of a fraud case on my Capital One account. Capital One denied me the fraud complaint that I had opened up and rebilled charges back to me. 
The incident in question happened overseas while I was traveling in Pakistan on XX/XX/2021. I had a bag that had my wallet, mobile phone, drivers license passport copies etc that was stolen when I traveling from XXXX to XXXX at the airport. The suspect proceeded to use my credit card fraudulently of an amount {$6300.00} When I discovered, I immediately went to the police station and reported the situation to the police who took and registered my complaint. I was issued a formal police report ( which I have attached ) on XX/XX/2021. I had repeatedly gone to the police department sooner but the process to get a report took a long time. 
I subsequently forwarded the report over to capital one and was told the case was still being denied stating that because I had a previous fraud case they were not able to honor this one. I pushed them for proof of culpability and reminded them of their legal obligation to protect their consumer in this situation. They didn't care and were not able to offer anything else except denial of the case. I dont think capital one handled this case professionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc.
State: FL

Complaint narrative:
The department of education has breached the contract I had with them. NELNET gained access to my personal information. NELNET has presented itself as a government agency. NELNET is still violating the Fair Credit Reporting Act, Fair Debt Collection Practices Act, discloser and privacy laws enacted by congress, along with laws and provisions as addressed in my federal complaint. I have never had a contract with or entered into a payment agreement with NELNET. Their dispute is with the federal agency who they entered into a contract with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
THIS IS XXXX XXXX. NO ONE ELSE IS SUBMITTING THIS COMPLAINT BUT ME XXXX XXXX! 

On XXXX XXXX I sent a dispute letter to Experian. I understand that they have 30-45 business days to respond with verification but they have not! I have been completely ignored! I am in the process of fixing my credit so their non communication is a very big inconvenience!

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 2021-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Servicer, SPS, sending information on forebearance coming to and end. No date of when forebearance ends is provided. During forebearance, SPS is also pursuing foreclosure action in violation of Dual Tracking laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mortgage Research Center, LLC
State: LA

Complaint narrative:
I applied to refinance my VA loan through Veterans United on XXXX. 
A credit check was run on myself and my wife on that day. At that time a list of our accounts, balances, and other credit information was made available to Veterans United.

My wife and I have an FHA Title 1 loan that is clearly listed as an account on our credit report and Veterans United was aware of this account, its balance, and all pertinent information on XX/XX/XXXX. 

As part of the refinance I was required to have an appraisal and termite inspection on my home. 
The appraisal was completed on XX/XX/XXXX and submitted to Veterans United on XX/XX/XXXX - I have included proof of when it was received by Veterans United.

The appraisal included the fact that there were multiple structures on the property ( a wood frame outbuilding as well as the main home ).

I heard nothing from Veterans United regarding the appraisal nor did I recieve any further instructions on a termite inspection. The instructions I last received were to order a termite inspection for my home. 

Eleven days after Veterans United received the appraisal listing the outbuilding, I purchased a {$250.00} termite inspection at my expense and submitted the documents to Veterans United.

The following day Veterans United contacted me and stated they required me to purchase a SECOND inspection on the outbuilding - another {$250.00}. 

I ordered the second inspection on XX/XX/XXXX for XX/XX/XXXX. 

On XX/XX/XXXX XXXX XXXX from Veterans United called to inform me they could not go any further with the loan because of the FHA Title 1 loan.

Veterans United knew about that loan for SEVEN weeks while wasting hours of my time asking me to collect documents under the impression my loan was moving forward. They also wasted hundreds of my dollars directing me to order and pay for needless inspections.I had to use PTO from work to accomodate appraisals and inspections because Veterans United failed to perform even the most BASIC due dilligence on my account.

No financial variables changed from the beginning of the loan process to the phone call I received stating it would not be going any further. I did nothing to disqualify myself.

Veterans Unit failed to perform due dilligence on my information and negligently led me into the mortgage refinance process resulting in hundreds of dollars lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have reported inaccurate information to credit reporting agencies after speaking with numerous of companies stating they did not verify anything or the mentioned account number is not valid they refuse to remove these inaccurate things and updates them as being valid. By not investigating just pressing a number on there end and saying its accurate after you dispute it. I have got unauthorized inquires and still they have yet to do anything about my dispute.

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 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
There was a corporate debit XXXX XXXX XXXX, XXXX not authorized in the amount of {$2900.00} from my TD bank account on XX/XX/XXXX XXXX transfer thru an ach went to XXXX XXXX . XXXX IDENIFICATION number XXXX on line payment, not done from my initiating TD Bank. I spoke to XXXX customer service XXXX XXXX on XX/XX/XXXX XXXX ; XXXX XXXX est ... merchant she said was an online payment ph # XXXX. 
CONTACTED XXXX XXXX / XXXX XXXX @ XXXX NO SUCCESS I have been trying for one year to retreive funds with no success, from either banks..td and XXXX. NEED HELP! 
ALSO NOTIFIED THE LOCAL POLICE WHO ISSUED XXXX TO BOTH BANKS. 

STILL OUT THE MONEY, THIS IS A CLEAR CASE OF FRAUD THANK YOU! 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I filed a dispute in regards to the, incorrect files on my credit report and it's well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: MO

Complaint narrative:
Today is XX/XX/2021. I mailed out letters to Equifax, XXXX and XXXX on XX/XX/2021 about inaccurate information and Child Support reporting on my consumer report. I have not received any response and its been over 45 days and thats a Violation. Also, Equifax, XXXX, or XXXX also have another Violation because they didnt enter the NOTICE OF DISPUTE for any of the accounts after I disputed and they are suppose to enter the notice within 30 days and its been 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank closed all my accounts without giving me a reason why. 
my family and i have the following accounts at chase : - 2 business accounts that operate legitimate, profitable businesses - a personal checking account - a savings accounts - a roth IRA account - 2 investment accounts - three 529 Plan accounts for my children. 

they claim they are " discontinuing '' our relationship with them, but have not given us a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: Mountain Run Solutions, LLC
State: NY

Complaint narrative:
I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX XXXX Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( ( i.e. an original consumer contract with my signature on it ) any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have a store credit card issued by Comenity Bank with a {$200.00} credit limit. The minimum amount due each month is {$35.00}. On XX/XX/XXXX I started sending in payments of $ 50 monthly. I'm on a fixed income so the payments are setup on bill payment on the 3rd of each month and are set electronically to Comenity Bank. I don't receive a bill each month because I was setup on paperless billing. I noticed that the balance had not been going down and I still owe them {$140.00}. I was able to setup an online account with Comenity Bank yesterday and we I logged in and reviewed my account I noticed that I was being charged a {$35.00} late fee each month after the {$50.00} payment was made. I've never missed one payment, I reached out to Comenity Bank on XX/XX/XXXX spoke with a senior Representative named XXXX who apologized and said he wished I would of called sooner about this and that he would credit the late fee for XXXX. This is wrong business practice I should of been made aware of any late fees that were being applied to the account and I would like something to be done about this. I need to be compensated for the money that's been taken away from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-19 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: AZ

Complaint narrative:
I submitted disputes to XXXX, XXXX XXXX, Equifax on XXXX XX/XX/21 for an unknown collection acct appearing on my credit reports. All three agencies verified the alleged account. The collection company is listed as XXXX XXXX XXXX which is also shown as XXXX XXXX XXXX. This company has not responded to written request for information, I don't believe this acct exists .I don't know who they are collecting for. I have excellent credit and don't owe any outstanding debt. All three credit bureaus continue to report this unverifiable, inaccurate account in violation of federal law. I have attempted to resolve this and have been ignored. The furnisher has not responded to written requests either.

Company response to consumer: Closed with explanation