vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I was notified that effective XX/XX/XXXX, my escrow payment would increase by {$980.00} due to a projected shortage of {$13000.00}. 
Mr Cooper stated that my beginning balance as of XX/XX/XXXX was XXXX and it need to be at {$10000.00}. 
Mr Cooper had taken over the Mortgage from Seterus as of XX/XX/XXXX. 
They claimed that at the time they assumed the account, my escrow balance was XXXX. 
On XX/XX/XXXX, I communicated with Mr Cooper that I had been paying my Escrow regularly for a long time, and was not aware of any shortages when my account was with Seterus. 
On XX/XX/XXXX, Mr. Cooper corresponded to me : We have reviewed the Seterus Escrow Analysis ( EA ) statements generated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each review of determined a shortage of escrow funds. 

However, I saw several issues in their analysis, which I communicated to them on XX/XX/XXXX : XX/XX/XXXX ending balance of {$630000.00} yet next statement shows beginning balance of XXXX. 

XX/XX/XXXX ending balance {$6500.00} yet next statement shows beginning balance of - {$3900.00} XX/XX/XXXX ending balance {$230.00} yet next statement shows beginning balance of - {$1600.00} Between XX/XX/XXXX and XX/XX/XXXX, {$58000.00} was paid in to escrow yet only {$36000.00} was paid out of the escrow account. With an assumed initial balance of $ XXXX, on XX/XX/XXXX my balance should have been {$20000.00} All the Seterus Escrow reports seem to not properly carry the balance forward. 

I also find it difficult to believe that Seterus would have allowed my balance to get so low. 

On XX/XX/XXXX, Mr Cooper replied that they were still investigating this. 

No further communication has been made. 

I have been paying the additional payments as requested, but this is proving to be a financial hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: PA

Complaint narrative:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT 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 2019-08-26 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: PA

Complaint narrative:
THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am receiving repeated call from Portfolio Recovery. They are call from various numbers, don't leave any messages, and are calling on Sundays. I have sent the collection agency a cease and deist letter. This debt has been written off by the original creditor XXXX XXXX XXXX XXXX XXXX and was purchase by Portfolio Recovery. I do not have an agreement with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
JP Morgan Chase is purposely not responding to my complaints submitted to CFPB. Each complaint is being responded to by them as being duplicate complaint for year 2018. I am not discussing previous issues. I am discussing present issues. 

Now, I have a new issue to report. Another party is persuing legal remedies for not being served with a notice from JP Morgan Chase and from the foreclosing attorney. There is nothing that I can do about this. But I know that the other party has not been served.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I've been trying to close my 360 checking for like a year I opened it over a year i half ago well something was put in my account by a friend I did tell them my friend had did it but it never was even accepted, a check that is. They rejected it cause he altered it by putting my name on it but it never deposited it even went thru. They had my account locked cause of a check if my friends was out into my account. Bottom line is they said I have to verify every other check I out in. I'm like XXXX well they won't close my account and I can't withdraw the money but phone automated says funds available are what the balance is XXXX well they refuse to talk to me I call they send me to voicemail or it jhangs up I just want my money n the account closed it's been sitting there for a year already or more cleared not return n they won't close it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: KY

Complaint narrative:
I contacted the company they refused to validate the debt, or remove the item.

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 2019-08-26 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: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX, XXXX, XXXX XXXX XXXX IXXXX. Also there are inquiries on my report I did not authorize as well : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: Collection Bureau of America Ltd.
State: UT

Complaint narrative:
CBA Collection Bureau # XXXX is reporting a collection on my account that should no longer be there. This collection is past the statute in Utah and I no longer owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I recently applied for a Chase Credit card account and I was approved. I have a great credit report. After a few days of having my account opened, Chase closed my credit card account without letting me know, not even a phone call telling me why they made that decision. I received a letter from the bank today and the reasons they are giving me why they closed my account is because " too many requests fro credit or reviews of credit ''. I just read about it and it looks like they don't like customers to apply for too many credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX/XXXX, XXXX, XXXX XXXX XXXX IN. Also there are inquiries on my report I did not authorize as well : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX 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 2019-08-26 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: GA

Complaint narrative:
I recently applied for a furnisher account long story short I was denied. I don't understand why I would be because I typically get approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report : XXXX/XXXX, XXXX, XXXX XXXX XXXX XXXX. Also there are inquiries on my report I did not authorize as well : Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX 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 non-monetary relief
Consumer complaint received 2019-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MORTGAGE UNLIMITED, LLC
State: NJ

Complaint narrative:
First, I had a pre-approval letter from Mortgage Unlimited on XX/XX/2019 for a loan amount of {$540000.00} with my brother in law as a co-signer for a property located in XXXX. The purchase price for the house is {$610000.00}, and agree to make a downpayment of {$100000.00}. I had entered in a contract with the seller and made a first down payment of {$15000.00}, and pay general inspection for {$1400.00} and a tank sweep requested by my lawyer {$350.00}, and my lawyer fees are {$1500.00} plus any additional fees that will incurred until closing. Before all of that I told my lender that my uncle told me that for the FHH loan, the property will have to pass a self sufficiency test because it's 3 units. He told me this rule will not apply to my case and I didn't know what I was talking about. Then, after I submitted all required documents, on XX/XX/2019 I received an approval letter, and this before the appraisal that I have gave my card information long before for payment. The appraisal was finally ordered by them on XX/XX/XXXX and charged me {$650.00} for it, and made me have paid for home insurance on the property for the amount of {$1600.00} effective on XX/XX/XXXX ( the targeting closing date ). I have told my current landlord that I will move out some time after XX/XX/XXXX because of the lender assured me the loan is already approved. I also paid some money to someone who had a truck to help me moving out and ordered a refrigerator and some furnitures because I was sure that I was moving out soon. Then, on XX/XX/XXXX, the lender called me to tell me that I'm not going to have the loan because the property did not pass the self-sufficiency test, that is 75 % of the rental income need to be the monthly payment. Something that I previously told him I was worrying about. Now, my daughter and I are XXXX  because my landlord already have tenants for XX/XX/XXXX. I put my stuff in storage and currently living in my sister 's house. I even changed my address because I wanted my daughter to register with the neighborhood 's school as soon as school is opened. I don't understand how a lender with years of experience misrepresentation a loan like that make me spend my money, my time, and my energy. I signed a lot of documents including closure disclosure, submitting endless documents in a promptly matter and even locked my rate. I think it's really unfair and was a victim of fraud and being lied to. I am a single mother who was trying to do what best for my daughter and now she doesn't even have a home and a school to go to, and losing about {$20000.00} because I was misleading by this lender and this mortgage company. Please Help!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CreditNinja Lending, LLC
State: WI

Complaint narrative:
I received a XXXX file report and do not recongize this company .... it makes sense now because around that time, I was receiving emails from Credit Ninja saying more informaton is needed to process the loan, but i never started any loan process with any company recently. 

Time - XX/XX/19 Merchant Name - Credit Ninja XXXX Response - Account Opening Inquiry

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 2019-08-26 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a collection on my account that should no longer be there. This collection is past the statute in Utah and I no longer owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: Waypoint Resource Group, LLC
State: UT

Complaint narrative:
Waypoint Resource Group # XXXX is reporting a balance on a collection I have already paid. I paid this collection in full but it is still displaying on my credit with a balance and it needs to be removed.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a balance on a collection I have already paid. I paid this collection in full but it is still displaying on my credit with a balance and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX XXXX claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. 

I filed a XXXX complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. 

From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: SUNRISE CREDIT SERVICES, INC
State: UT

Complaint narrative:
Sunrise Credit Service # XXXX with the original creditor sprint is reporting a collection with a balance. This is paid off and I have attached proof of payment to this complaint.

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 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am requesting information regarding a process, for those who have been homeless, to obtain their credit report. I provide free classes on how to get a credit report and answer question on correcting errors on the report. I have a class scheduled at a center that provides housing and recover programs for the homeless and those suffering from additions.

Many of these dear people have lived on the streets for years. One problem I have found is that they are often stuck in a cycle that prevents them from getting a job or housing.

The cycle is they attempt to rent an apartment or get a job but fail because their credit is bad. They then remain homeless and jobless until they can try to repair their credit report. 

There needs to be a process that allows the homeless person a way to get their credit report prior to seeking employment or housing. I have checked your site and you require a Social Security number, address and Birth date to get a credit report. The individual has the social security card and birth date but no address. 

What can a person use that is a legal document to submit in place of the address to prevent Identity Theft? There needs to be a solution to this problem. This issue affects thousands of US Citizens trying to get their lives back on track. 

I have searched your website but there isnt any information to address this issue. I tried your contact numbers but they do not provide access to a customer service representative to allow this question to be asked. 

I searched the CFPB website and there isnt a reference for this issue. I think this question should be added on the website. This problem affects thousands of people and their families. We need a process to assist these families.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX with the original creditor sprint is reporting a collection with a balance. This is paid off and I have attached proof of payment to this complaint.

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 2019-08-26 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX with the original creditor sprint is reporting a collection with a balance. This is paid off and I have attached proof of payment to this complaint.

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 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JH Portfolio Debt Equities, LLC
State: IL

Complaint narrative:
notice, consumer report was pulled while I have a suit in litigation against credit control. call the number listed in the report no one answers the phone and left message to call me back but no one called back.

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 2019-08-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
On XX/XX/2019 I got a call from a company call XXXX XXXX. They told me that I owed Advance Financial {$900.00}, when in truth this being paid through an attorney and the amount is much less. The only information I have about this company is that the phone number is XXXX XXXX XXXX and it is from XXXX TN. I am not able to find an address.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

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 2019-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
On XX/XX/2019 when applying for a loan to purchase a car. I authorized XXXX XXXX to run my credit one time to a specific lender. They assured me that It would be only one. I have been getting notices from creditors that I don't recognize stating that XXXX gave them permission to run my credit. That has been reported to my credit reports ( all 3 of them ) over 33 or more times which is causing adverse actions on my Credit reports.

Company response to consumer: Closed with explanation