vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
Section 1463 of the Dodd-Frank Financial Reform Act ( the Dodd-Frank Act ), which took effect in XX/XX/XXXX, contains several important modifications to the QWR provisions of RESPA. First, a servicer must now acknowledge receipt of a QWR within 5 business days ( previously 20 days ) and must provide a substantive response to the borrower within business 30 days ( previously 60 days ), with a possible 15-day extension if the servicer sends the borrower notice of the extension and its reason for the delay in responding. See 12 U.S.C. 2605 ( e ) ( 1 ) ( A ) ; 12 U.S.C. 2605 ( e ) ( 2 ) ; 12 U.S.C. 2605 ( e ) ( 4 ). 
Mr. Cooper never fulfilled their obligation concerning the time-lines stated above. I never received a reply until months later for a QWR Certified Letter to Seterus, Inc., received on XX/XX/XXXX - prior to Mr. Coopers acquisition of Seterus, Inc. Now Mr. Copper claims that it received my letter to Seterus on XX/XX/XXXX when they tool over Seterus Inc. , and that letter was signed for on XX/XX/XXXX by Seterus Inc. , agents - setting the tine-line for response. After no response to the XX/XX/XXXX letter and after many phone calls to Mr. Coopers designated Contact persons, whom I was instructed to contact, I made clear that I never received their response within the allotted time as per above. Next, I sent via Certified U.S. Mail a completely new 14 page letter addressed to Mr. Cooper. This letter required a specific response sent certified return receipt, and Mr. Cooper failed to respond to that correspondence entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I set up a payment plan on their online system, and they set up a recurring payment plan without my knowledge, I only wanted to make one payment. I called and they told me to remove my payment information from the online acct, this I did and then another payment was paid to my account, then the following month I noticed that there are two more months showing recurring payments. I called to cancel payments and after waiting over 15 minutes the representative was very rude and said that she would send a email to mgmt and I would have to call back. I asked to speak to a manager and waited for 17 more minutes. I feel this is unfair debt collection as they intentionally have a system that automatically charges you monthly and you can not cancel recurring payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 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 don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS
State: MO

Complaint narrative:
Credit ratings ( FICO Scores ) do NOT allow for those who have paid off mortgages, cars and continue to pay off charge cards monthly. This affects insurance costs daily! Adding additional debt should NOT be the way to get a better score. That's just the wrong answer. 

There should be some compensation in the credit score for those who are prompt with payments and who have had years of prompt paying. Credit for owing {$800000.00} in debt but having paid for it. 

Id like an answer from the Consumers Finance Protection Bureau on how many items connected to one 's FICO score can continue to increase consumer 's costs while their credit remains perfect. The WRONG answer is to ADD more debt. But that is what consumers must do to increase their score!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
We Purchased a house in 2016 and our loan was sold to Round point Mortgage. When we purchased the house for {$260000.00} it was far below market value as other homes in our development have sold for {$400000.00} and above. We have put over {$70000.00} into the home since we purchased it ; in updating and renovating. We have tried twice to get Round point to Drop PMI and the latest appraisal came back at LTV 77 %, they will not drop PMI even though we are under the standard 80 % LTV requirement. They charge a fee to have an appraisal done and if you don't agree with the appraisal you can pay an additional fee and Round point again can rule on this, even though they were the ones that originally denied your claim to have PMI removed. This practice i feel sets the home owner/ Customer up to never win any dispute. The purpose of PMI is to Protect the loan and the investment, when homeowners are willing to put that much money back into their homes shouldn't that also show the mortgage company the homeowners willingness to increase the homes value.

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 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: UT

Complaint narrative:
CBE Group is attempting to collect on a debt I do not owe. This debt has been paid and should not be on my credit. Also, I never received any notification regarding this debt. No phone calls or letters. I did not know about this debt until I pulled my credit file. This is a violation of my 30 day right to dispute and needs to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I try to file this complaint through XXXX XXXX XXXX whom was services by XXXX XXXX XXXX with XXXX XXXX XXXX. I made payment to XXXX XXXX for over 3 tears when I was employed by the USPS but I left my job on XXXX and couldn't afford the payment anymore I contacted them and ask them for forgiveness of this debt back around 2014 which was removed from my credit report. But now serveral years later XXXX   XXXX XXXX trying to come back on me with a new company name LVNV FUNDING LLC through XXXX XXXX XXXX with a balance over 18000.00 dollars. I will fax the documents over with a bunch of payment I send XXXX XXXX THROUGH THE YEARS. I WILL FAX THEM TO XXXX. Please look out for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I never received notification of this debt. Nor have i received notification of my right to dispute this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX is attempting to collect on a debt I do not owe. This debt has been paid and should not be on my credit. Also, I never received any notification regarding this debt. No phone calls or letters. I did not know about this debt until I pulled my credit file. This is a violation of my 30 day right to dispute and needs to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Since graduating from school in XX/XX/2009, I have made my private student loan payments every month as required. I expected to have a monthly payment. However, the interest that is charged is a complete and unfortunate scam. I have paid nearly {$35000.00} towards interest since taking out loans ( I will add, I was only XXXX years old when I first went to college ). Now that it is nearly 15 years later, I am still struggling in paying off my loans at XXXX years old as a single parent. I have a great career and I work very hard, however there are no options to get my principal balance down and to live a normal life. I regret taking out these loans at age XXXX with little to no understanding of how it would ruin my future along with my child 's future. I make a good living but I can not live a good life. My student loans have ruined my life. Since XX/XX/2009, only about {$7000.00} have been applied towards my principal balance while Sallie May ( Navient ) have gladly taken nearly {$40000.00} in interest because Im liable for making that monthly payment. 

Navient has taken over my future and I would have been better off without an education that is this costly. No one signs up for this type of debt willingly at age XXXX nor could a XXXX year old understand what type of debt they could fall into during repayment after graduation. The daily interest accrual is unjust nor should I have been given loans at such a young age without fully understanding the nightmare I was getting into. I make my payments every month because I understand I borrowed money for my education - HOWEVER - I did not sign up for this interest scam. My principal balance barely changes every month but I keep paying a huge payment because that is my duty as a borrower. Interest should not be a chance to take advantage of consumers but give a consumer a chance to pay off their debt!! 
I don't live a good life because of Sallie Mae ( now Navient ), and neither does my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Complete Credit Solutions, Inc.
State: OH

Complaint narrative:
I was receiving calls for collections on a loan for XXXX starting since XX/XX/XXXX on a loan opened in XXXX in my name that I did not sign for, I then noticed it appeared on my credit report under a different company so I did further investigation. It seemed as all the same info matched as the prior company that would call me, my family saying it was an emergency, I explained to the company that I did not apply for a loan I did not work the places listed as stated, I do not bank at the institution where the money was deposited to. I did not apply for a loan. Its not my loan. I have now filed 2 police reports of identity theft I have contacted the 3 major credit bureaus, I have filed an FTC affidavit of fraud. I dont know what else to do but I will not stop I can tell you that. I will NOT pay for a loan that is NOT mine! I told the company who is trying to collect if they trace down the Name to bank account it was deposited in to, Maybe that would solve this whole mystery?

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This item is on my credit report. I never received notification from this company. I also never received notification of my right to dispute this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
i have received a credit monitoring alert and identity theft alert from Experian. when trying to log in to their web site i found out that my password has changed and the phone number that thet are using as method of authentication is not mine. tried to call their contact center to ask for help BUT there is no way to speak with an agent - only automatic system that provide information and can not help with this problem. 
the number i used is the number advertised on their wed site as the number to call when customer are facing such an issue

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 2019-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
My Mortgage company did not renew my home insurance policy despite my home insurance company sending them the renewal statement including the amount. I pay into escrow and has never been late on my mortgage. I did not switch mortgage companies nor the insurance company from the year prior. They brought a force placed policy in which it is very expensive. I was not aware that my insurance was not renewed, because my mortgage payment did not increase. Can you please assist with this matter. I have reached out to my mortgage company and they are telling me it is to late because the policy has been in effect for almost a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I received a notice on my credit report that is not mine for the amount of {$480.00}. I kindly called the company to advise this isnt mine and that I need some type of proof of this bill. The company advised me they would send me the right documents to prove this is my bill. I received a letter with all different types of dates and balances that dates back from all the way to 2015. I have contacted all 3 credit agencies ( XXXX, Experian, XXXX ) and disputed this charge. It cant back verified with NO PROOF a week later! which is a violation of my rights .This is nothing that shows I owe these bills. Due to this not being the correct documentation to send showing proof of collection I am requesting that this medical bill account number XXXX be removed from my credit file 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 non-monetary relief
Consumer complaint received 2019-09-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had 10 fraudulent transactions hit my account with Jp Morgan chase bank starting on XX/XX/2019 for just under XXXX. Chase Claim # XXXX 2 came thru on the same day for XXXX and for XXXX. The bank put all the monies back in our account. The bank then sent us some forms that needed to be signed and sent back to them by fax or mail. We decided to send them back by fax. I sent from my place of business and my wife also sent from her work place, we assumed everything was handled. Then I got a call from JP Morgan chase telling me that they were missing one of the forms and needed me to sign form this was a month or so after the fact. So i asked the person to resend the paper work It took about 8 days to receive the document in question I signed it and took it to the bank Chase bank local branch and had them fax it to there fraud dept. XXXX was the bank rep i spoke with also spoke XXXX XXXX 2 times. 
There again figured it was handled. Then I got a letter telling me that the XXXX charge was handled. Next day i got a notice telling me that the XXXX would be debted on XX/XX/2019 because XXXX XXXX XXXX XXXX XXXX would not refund the monies because we ran out of time. XXXX and XXXX XXXX Escalated the problem and told me to keep calling the 800 # to see if they were going to return the monies I feel like i was getting the run around So at this point i am out the XXXX Chase bank branch could not help me any more so I told XXXX @ XXXX XXXX XXXX XXXX, Ca I was going to file complaints with CFPB, Federal reserve consumer help, and Controller of the currency. 
I was told that someone would be contacting me in 48 to 72 hours that didn't happen so I have chosen to file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-16 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:
I don't recognize this account. I never applied for it, I don't have any contracts or agreements with this company.

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I never received notice of this debt and I never received notice of my right to dispute this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Credit ratings ( FICO Scores ) do NOT allow for those who have paid off mortgages, cars and continue to pay off charge cards monthly. This affects insurance costs daily! Adding additional debt should NOT be the way to get a better score. That's just the wrong answer. 

There should be some compensation in the credit score for those who are prompt with payments and who have had years of prompt paying. Credit for owing {$800000.00} in debt but having paid for it. 

Id like an answer from the Consumers Finance Protection Bureau on how many items connected to one 's FICO score can continue to increase consumer 's costs while their credit remains perfect. The WRONG answer is to ADD more debt. But that is what consumers must do to increase their score!

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 2019-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I regularly monitor my credit report atleast 3 times a week. I was unpleasantly surprised when my credit score dropped 10 points for no explained reason, then another 24 points with again no explanation, very funny when I applied for a credit card my score dropped 1 point with a reason/explanaiton. I called transunion to ask them to explain the sudden drop when in fact I had paid down or off some {$5000.00} worth of auto loans and credit cards, they proceeded to give me a general reason why credit scores drop but couldnt fine any reason why my specific score had dropped some 34 points. I did file a dispute but was told by a supervisor disputes doesnt affect your credit score, only to be told by a different superivisor disputes does affect ones credit score. Transunion then contacted me to inform me the dispute I filed would go on for an additional15 instead the the orginal 30 days because they wanted to give the company more time to provide info??? I have a couple friends whose had simular types of incidents happen to them and they are very disappointed in the lack of info transunion has on its own practices/reporting. maybe its time for transunion to get a dose of what XXXX got.a class action lawsuit!

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 2019-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I never received notification of this debt. I also never received notification of my right to dispute this debt

Company response to consumer: Closed with explanation