vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
I have provided every document asked for and Mr Cooper continues to use fraudulent household expenses to deny me. They say I don't make enough to afford everything but then show me expenses that I don't have and at not point provided to them either. They repeatedly put me in a position to contract the virus by requesting and rejected the same documents over and over again. I am an older man and high risk, my health and life should not be played with by these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
On XX/XX/2020 I tried to log into my checking account through Bank of America. It did not work, so I called the 800 #. The person told me that the account had been closed and they did not have to disclose why. I asked several times to speak with a supervisor and they told me no. They said they would be sending my account balance in the mail by check in 7-15 business days. I decided to make an appointment with a manager in a branch. The manager told me that all he can tell me is that due to online activity/purchases. He looked at the account and couldn't even figure out why they would close it but said that corporate does this and they have the right to do it without notification. 
I am a XXXX XXXX XXXX young man working and paying my own bills. I do not think this is fair in the middle of a pandemic, to close an account without basis for doing so, and without notice. I did not have access to any money and I was not near my home. What would I have done if needed food or gas. This is completely inappropriate and should be investigated. I have read multiple stories online about others going through the same thing. How many people has Bank of America done this to? What if it were an older person who couldn't get out of the house to go to the bank to fix it?

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 2020-12-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
XXXX and Paypal wont let me in my accounts. They do not seem to care. I have other thing to do. I have Civil Rights, I want access to my Paypal and XXXX Acoounts. Look ITS MY MONEY. I WANT IT ToDAY, not tomorrow.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All the necessary paperwork is attached.

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 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
There seems to be a major problem with TD Banks back-end accounting system verses actual online transaction history that is not reflecting in " REAL TIME! '' Several transactions that I have made within just over 1 week has created unjustified overdraft fees to my TD Business Simple Checking account. The dates in questions are as follows : 1. ) XX/XX/2020 Maintenance Fee of {$10.00} bringing my account first negative at - {$6.00}. 

2. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to {$21.00}. 

3. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$59.00}. 

4. ) XX/XX/2020 Overdraft Fee of {$35.00} bringing my account to - {$130.00}. 

5. ) XX/XX/2020 Overdraft Fee of {$70.00} bringing my account to - {$260.00}. 

These Overdraft Fees were applied incorrectly/unjustly and I would like this to be correctly applied to my account and refunded all " relative '' unjustified/errored Overdraft Fees to be credited back to my account. I am going to pay off this balance today to bring my account back into the positive status but would like to be credited back the unjustified Overdraft Fees! 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NJ

Complaint narrative:
I purchased and own my used vehicle XX/XX/XXXX. I purchased XXXX  XXXX  6 months policy XXXX comprehensive insurance. Now it's time for me to renew my insurance and I decided to go with XXXX. However, I noticed that both vehicle insurances used LexisNexis for my driver record. Well it's recorded that on XX/XX/XXXX I have a violation of leaving the scene of an accident. I went to court with my lawyer, and that was dismissed. They're records needs to be updated. It is affecting my rating. I do admit that my driving record hasnt been the best since I moved to New Jersey, but the correct facts/information needs to be reported accurately and truthfully in all fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is placing fraud alerts and freezing my credit report causing great issues with my credit standing. I am unable to reach a live person to discuss issues. I file a dispute and some are resolved same or next day but others are not being addressed or resolved. I provide proof and accounts are not updated.

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 2020-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XX/XX/2020 : Synchrony bank closed my XXXX XXXX card, {$900.00} credit limit. Care Credit card, {$15000.00} credit limit. XXXX XXXX card, {$35000.00} credit limit and Belk Rewards card, {$1500.00} credit limit. 
When I called they reported that based on my credit report, I was high risk. I have paid all my bills on time. When I received the letter, there is not an agency listed and a credit report was not utilized in making the decision. The letter indicated the reason as activity on accounts with Synchrony indicative of high risk of failure to pay. I have always paid my accounts off. When they closed them, all my accounts had a XXXX balance. I have multiple other cards ( XXXX XXXX, XXXX, XXXX ) that my limits have increased. I feel that I was discriminated against. My credit score dropped XXXX points due this. I am in the process of buying a car and this has affected my process. This has caused me stress and anxiety, in a time where stress and anxiety is higher due to the pandemic and uncertainty in this world. When I called Synchrony Bank, they informed me that the decision was made based on the credit report they pulled. The only option they stated I had was to reapply. This would decrease my score even more.

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 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Been disputing this account threw the Transunion credit bureau every month over year and half, Kept saying it was verified but it obvious when my name is spelled wrong on original creditor & debt collector. the law is clear cut this account is not accurate please remove this 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 2020-12-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sprechman & Associates, P.A.
State: FL

Complaint narrative:
On Thursday, XX/XX/XXXX at approximately XXXXXX/XX/XXXX I made an initial call, in earnest , to Sprechman & Fisher regarding Case No. XXXX to begin discussion for a payment arrangement ... 

I spoke to a collector, " Ms. XXXX '', who began the call stating aggressively stating, " BY FEDERAL LAW, THIS IS AN ATTEMPT TO COLLECT A DEBT! '' without providing the FULL Mini-Miranda. Ms. XXXX repeated the statement again stating, " This is an attempt to collect a debt! " ... 

In addition, during the conversation, I expressed I wanted to discuss payment arrangements and " Ms. XXXX '' kept talking over me very loudly and extremely aggressively. I shared with " Ms. XXXX '' that the tone of her voice was extremely aggressive/threatening of which I found to be an attempt to control the call via intimidation especially by beginning the incoming call response with " BY FEDERAL LAW.. '' ... 

Furthermore, " Ms. XXXX '' advised and attempted to collect an amount of {$19000.00} instead of the Case No XXXX amount of {$7900.00}. I offered a balance in full payment plan of {$50.00} down for XX/XX/XXXX and $ XXXXmonth beginning XX/XX/XXXX towards the Case No XXXX amount of {$7900.00} which was not accepted. 

1. Debt collectors are required to give the FULL Mini-Miranda in their initial communication with you. 
2. If a third-party debt collection agency or collection attorney contacts you and doesn't give the disclosure, it has violated the Fair Debt Collection Practices Act. 
3. Even if you initiate contact with a third-party debt collector, they are still required to read you the Mini-Miranda.

4. " The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
i have tried for the last two months to access my account via td bank website. The site keeps saying my credentials are wrong. When i attempt to reset the password with my debit card number, it's still not working. I called TD bank small business department and exclaimed to the agent how upset i am with not being able to access my account. I told her I have no idea when I used my card because I cant access the account. She rudely placed my on hold and never came to the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
re case # : XXXX i paid off the loan on XX/XX/XXXX, i applied for the title on DMV website and i received the title, ( there was no lien on the title ) on XXXX i got a letter from DMV stating that Chase is the owner of the car and there is a lien on my car! after contacting DMV via phone, i got to know that chase has put another lien on my car car AFTER I PAID OFF the car mid XXXX and Chase is the lien holder. 

i have contacted the associate who was working on my case twice : XXXX XXXX twice ( via phone and via email ) but there is no response. 

can someone look into it and tell my WHY there is a new lien on my car while it has been paid off?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I recently refinanced my home and my old company said I was short 1 payment. I was not and I have spoken to them and emailed them proof that we were not late. I have also sent them a certified letter explaining that we were not late. I received a letter back saying we had to send it to a different address which we did. They sent us back our impound account but not the extra payment. We have proof that all payment were made in a timely matter and they owe us over {$2000.00} as a refund. They are not responding and we want the money they owe us NOW. It has been over 60 days since the new loan closed. 
I appreciate your help in this important matter.

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 2020-12-10 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:
I HAVE HAD A CHANCE TO TAKE A LOOK OVER MY CREDIT REPORT AND CAME ACROSS AN ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THE ACCOUNT IS AN OPEN ACCOUNT THAT IS ONLY REPORTING ON EQUIFAX. THE NAME OF THE ACCOUNT IS ( XXXX XXXX XXXX XXXX. THE ACCOUNT IS NOT AFFILIATED WITH ANY TRANSACTIONS THAT I HAVE MADE. THIS IS ALSO CAUSING MY SCORED TO DROP EVERYTIME IT REPORTS LATE. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER SO THAT IT CAN BE RESOLVED IN A TIMELY MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC
State: AZ

Complaint narrative:
Been disputing this account threw the XXXX  credit bureau every month over year and half, Kept saying it was verified but it obvious when my name is spelled wrong on original creditor & debt collector. the law is clear cut this account is not accurate please remove this 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 2020-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I recently refinanced my home mortgage, originally with XXXX XXXXXX/XX/XXXX I have never missed a payment, or even been late. I refinanced {$350000.00} into another XXXX XXXX XX/XX/XXXX mortgage in XX/XX/2020 at a lower rate ( good for me ). In XXXX XXXX XXXXXX/XX/XXXX sold my refinanced mortgage to Citizens Bank, as they were entitled to do. Unfortunately, the new lender, Citizens Bank, seems impenetrable. I am unable to track what happened to the escrow money, and I can not understand what happened to the principal balanceit went UP. Worst of all, it is extremely difficult to get anyone at Citizens Bank on the phone. Dont they have an obligation to be available to their mortgagees? Over the last several weeks I have tried calling their customer service XXXXnumber XXXX multiple times. Only once have I been able to speak to someone XXXXXX/XX/XXXX XX/XX/XXXX? ) said to check again in a week ). It usually says that due to high call volume they will call me back in a day or two. On Tuesday of this week their message said their call-back system couldn't call me back until 4 days later. Huh? Their secure messaging webpage offers a 5-day turn-around on messages. This is ridiculous. This lack of availability is certainly terrible customer service, but is it in compliance with federal regulations? 

I have a simple issueI just need Citizens to be reachable to explain what happened to the escrow money and the principal. But they seem unreachable. 

From a regulators standpoint I want you to know about this difficulty, and I thank you for your assistance and advice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: U.S. Auto Credit Corporation
State: OK

Complaint narrative:
There has not been any of the options listed. If this is not where I need to go then please direct me. The company, US Auto Credit has just recieved our lien. It was sold a couple months back. They have been harassing us by calling almost daily. They are instructed to call me and not my husband but they call him daily while he is at work and call me once a week. I have requested 4 separate times for them to cease their calls and they keep saying they have it blocked but we have proof otherwise. We are tired of being harassed. We are up to date on payments, and everything is perfect. When we call back ( because husband usually misses the call since he is at work ) they never seem to know WHY we recieved a call? They all have attitudes and im going to be calling the cops next. I'm out of my depth here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Been disputing this account threw transunion over year & half but keep coming back as verified. The amount owed is far off from collection agency to the original creditor. law is clear account has to be 100 percent accurate and verifiable which its not.

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 2020-12-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Williams & Fudge, Inc
State: WA

Complaint narrative:
Today, at XXXX XXXX Pacific Time, Ireceiveda call from someone who asked for person X ( my partner ), and when I asked who they were, said : " This is XXXX XXXX  ''. I asked, " Which office of XXXX XXXX? '' They responded : " It's an office of XXXX XXXX  ''. I pressed again : " What office of XXXX XXXX  are you from? '' They responded : " With the University ''. When I finally pressed again, they responded, " I'm with Williams & Fudge, working on behalf of the University. '' I believe it is fraudulent to represent yourself as someone you are not. This was not a call from XXXX XXXX, they were from Williams & Fudge , Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10 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: MA

Complaint narrative:
It's impossible that this account from XXXX was ever investigated by Experian, because the other 2 bureaus ( e.g. XXXX, and XXXX  ) investigated and determined that it was in violation due to several litigation issues, and other ways that they violated the REPO laws. Dear Experian ; Im little concerned considering the fact that youre the only company that still reporting this account into my credit report. As I mentioned before, this account continues to be in violation of my consumer rights because its reporting incomplete, inaccurate, misleading information among the different factors within. I understand that you need to ensure that my credit file is always reporting the most accurate and timely information. Therefore, its impossible that this account was ever verified because I been in contact with XXXX directly, and they even sent me a refunded check of over $ XXXX because of the fraud they committed. They assured me through the letter that the credit bureau wouldve deleted this tradeline from my credit. How is it possible that you still reporting whereas XXXX and XXXX  DELETED from my credit. 

For example, base on the findings from XXXX, youre reporting wrong and questionable balance of $ XXXX, should be XXXX ; wrong last date of active, and last date of payments, also, when was this account actually closed? ; What is the first date of delinquencies-questionable? The high balance and the actual balance doesnt match what the original creditor has. Therefore, this account is unverifiable and it needs to be deleted. 

Im requesting & demanding again, that due to these several violations mentioned above that you DELETE this account permanently from my credit report immediately.

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