vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I've been in my home for 15 years and never had financial issues or problems paying my mortgage. Several years ago my mortage was sold from XXXX XXXX to Nationstar to Mr. Cooper. I have never missed or been late on a monthly payment. My payment has always been set up as an automatic bank payment set to arrive before the first of the month. Once a few years ago when I was still with XXXX my payment amount changed to due an escrow change and I did not notice the need to change the payment so I was charged late fees for short payments. Once I noticed I called customer service and they were helpful and credited some of the late fees and I payed a portion settling the past due amount and adjusting to the new payment. All was well. Months later with the new mortage company the 'computer system ' re-applied the previously credited late fees. When I called to question the fees ( as my payments had been in full and on-time since the last issue I was told by the CSR that there was nothing they could do to readjust the latefees which were now compounding. I escalated and got no where. I'm in the professional services industry and the service I received at this time was the worst that I have experienced in the past 30 years. This was multiple years ago. Since then I continue to make my prompt and full payment and the amounts are applied to Principal and Escrow however the fees just keep piling up and now are several XXXX dollars which I can not absorb. I don't receive any threads of foreclosure but my statements show me being months behind in payments even though I have NEVER missed a payment in the history of the loans. The lender seems happy to continue to take my payments an pile on ridiculous fees. Do I have any recourse or am I at the mercy of this lender and their software system applying fees on top of fees even thought I keep meeting my monthly payment amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northwood Asset Management Group
State: CO

Complaint narrative:
My complaint submit : https : //XXXX.consumerfinance.gov/XXXX  1. Friday,  XX/XX/XXXX, XXXX MT, message received from XXXX XXXX ( XXXX ), caller id XXXX. 
He was hard to understand from the message. He purposefully mumbled his name. 
Said he was from " Northwood ( garbled words ) ''.  This incoming message is still on my voicemail. 
XXXX said in his message that he was conducting a background check on a person I knew. 
He left a call back number which was nine digits, " XXXX '', later I discovered he neglected to speak the first digit, the real number is XXXX. He said he was conducting a background check and needed to ask me some questions and please call him back. At this point calling him back would not be possible because he gave me a partial number. 
2. I was concerned, annoyed, and curious. So I did an internet search, not much luck. 
3. I called the number of the callerid from the first call, XXXX, and spoke to " XXXX? ". 
I asked about the call I received from " XXXX '', she said I must have the wrong number, and that they do not do that sort of thing. I asked her what her company was, she hung up on me. 
I did not have the wrong number I called the number that called me. 
4. I called back, same number, XXXX. AFter a few beeps and dead air, I was transferred to XXXX. 
XXXX confirmed he called me, his name was XXXX XXXX, not " XXXX '', corrected his return phone number was XXXX. He started asking questions. I told him that he called me, that he knew my name and phone number, and that I will not answer any questions until I knew a little about him. I asked him what kind of " background check '' are you doing. 
He said " I am going to end this call now '' and hung up. 
5. Slowly I figured out they are a collection agency pretending to do " employment background checks ''. 
Website https : //northwoodassetmanagementgroup.com phone XXXX. 
When I called this number, the person who answered was a third new voice I had not talked to yet. 
He immediately knew who I was before I spoke even though this was a new number and a third person unknown to me. He must have gotten my information from my called id. 
He insisted I tell him everything I know about a person I care about. 
I asked him if he was a debt collector or a government agency doing a background check. 
He did not answer. I asked him to repeat his name. He said hold on a second and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reached out to XXXX XXXX XXXX in regarding to debt validation to no avail. I want to get this account cleared up and reporting accurately on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TX

Complaint narrative:
Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 



Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for  damages, and you can travel to defend yourself. 



I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General

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 2020-02-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 



Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages, and you can travel to defend yourself. 



I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: FL

Complaint narrative:
PLEASE DELETE. ACCOUNT TRANSACTION LISTED WERE NOT DONE BY MYSELF.

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 2020-02-28 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:
PLEASE DELETE. ACCOUNT TRANSACTION LISTED WERE NOT DONE BY MYSELF.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
Navy Federal Credit Union misled its members about its debt collection practices and also unfairly froze me out of my own account without adequate warning. Account is currently closed with credit union not providing online access to make payments, not sending statements or providing a written payment confirmation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The complaint is about : getting the the title on the car left on our property for the last 10 years. The company ( Capital One Auto Finance ) was to pick-up the car from our resident. 
Type of problem : Can not contact the company to talk to anyone, can only get an automated voice system. I had left several messages for the first 2 years, with NO call backs. 
What happened : Asked the company to add my wife ( XXXX XXXX XXXX ) to the loan and take Mr. XXXX XXXX XXXX off the loan. At this time the company would call me for a payment BEFORE the payment was even due. That is when I told them that Mr. XXXX was filling bankruptcy, and that was the reason for adding my wife to the loan. Because my wife and I were making all the payments, and had made the {$7000.00} down payment, they denied the request, so I told them to come and get the car. That is when all calls from them stopped, I was not able to call and speak to anyone. 
What company is the complaint about : Capital One Auto Finance What people are involved : XXXX XXXX XXXX ( now deceased ) and XXXX XXXX XXXX XXXX. 
Details about this complaint : I purchased the car on XX/XX/XXXX, I believe my last payment was in XXXX XXXX, when denied putting my wife ( XXXX ) on the loan, instead of her father ( XXXX XXXX ) because of his bankruptcy. They denied my request and was told to come and pick-up the car. 
the car has been parked on the property since that time, on non-op through CA DMV.  several attempts have been made to contact Capital One to arrange pick-up, with no response. However Capital One did send a letter on XX/XX/XXXX, in regards to a account number change. at that time we tried to contact them about picking up the car, and got no response, even after leaving several messages. 
As well as several recalls on this car : 1. ) Power window- 5 notices 2. ) Cracked and or sticky/melting dashboards- 4 notices 3. ) May exhibit excessive engine oil consumption- 2 notices. 
4. ) Sun Visor may rotate downward. 
With all these recalls I do believe this is considered a lemon law problem, and may be why Capital One does not want the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XX/XX/2020 I spoke with XXXX to confirm that I do not owe them this money and they agreed.

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 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I established a PNC account in XXXX to use as a local account since my normal bank does not have a presence where I live. This account was subsequently transitioned over to a new account in XXXX when they got rid of all of the " grandfather '' accounts. This new account is different that the account I had originally signed up for and now comes with expanded fees of {$15.00} per month unless certain balances are maintained. Since this account for me was a secondary account to my account with an existing bank I was never able to maintain the balance requirements and have been charged the additional fees as a result. 

Additionally, I established a student account for a family member that tied to my existing account in early XXXX. This account is for a XXXX year old and the link allows me to easily transfer money to his account when needed. Recently, he deposited his pay check at a PNC atm and was charged a fee for using their express funds option. I understand that he was told there would be a fee to do this via a pop up at the atm, however the fact that he is new to banking coupled with his age/inexperience with life means that he is a prime target for these fees and di n't fully understand. Furthermore, he withdrew money from an atm later that week and was charged again since it was not a PNC atm. Again, there were notices provided about the fees. To me, the fact that it was a student account should have informed the PNC that they were dealing with someone that is new to banking. In total, he had more than {$13.00} in fees for these transactions, however when I checked with the bank there is no way to prevent these options from being available to a student account. The express funds option should not be available to a student account or should be able to be deactivated if requested. Many more students, who do not realize that some funds from a deposit are available after completing the transaction will also fall prey to this type of predatory banking.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-28 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: FL

Complaint narrative:
Experian is still reporting my information incorrectly for the XXXX XXXX XXXX XXXX credit card that I have with the company XXXX. XXXX the supervisor at XXXX, has already informed me via phone call on XX/XX/XXXX that the 2 months for XX/XX/XXXX and XX/XX/XXXX, have been updated on their internal system to reflect that I was NOT late for those months, and that I have 100 % perfect payment history. This information was also submitted by XXXX to all 3 credit bureaus. Also, because my account history is 100 % payments made on time, XXXX XXXX XXXX XXXX also approved me for a credit limit increase from {$1200.00} to the new credit line of {$2400.00}. Experian is still reflecting me as 2 late payments, the incorrect credit limit and has not updated to show that my current balance reported is {$30.00}, NOT {$69.00}. 

Please update because this will help boost up my credit score and will also keep my report up to date and accurate. 

Thank you.

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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/20 I received a collections letter with intent of legal action from Jefferson capital systems LLC, claiming they purchased a debt of {$590.00} from XXXX and offered a {$450.00} pay off to avoid legal action and garnishing by XX/XX/20. 

On XX/XX/20 I sent a certified mail with return receipt validation request, it was signed for on XX/XX/20, it is now XX/XX/20 and I have not received any validation paperwork from the company, its over 30 days and they refuse to verify the debt as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TX

Complaint narrative:
Since XX/XX/2019 I have been trying to resolve an issue with Equifax where companies are unable to pull up my credit score or credit report. I have attempted to sign up for credit monitoring, apply for a mortgage, pull my credit report from XXXX XXXX XXXX,  Equifax directly, and no one including Equifax can pull my score or credit report. I have been told over the multiple phone calls with Equifax in multiple departments that no one has seen this issue and they are unsure how to fix the issues I am having. I have spent countless hours on the phone with Equifax and send it various documents they have requested and I still cant get this issue resolved. I am in the process of trying to purchase a home, but the mortgage companies can not pull my score or credit report. This issue is holding me back from purchasing a home and I dont know how else to get this issue resolved. Every single call I have made to Equifax has gotten me no closer to a resolution.

Company response to consumer: Closed with explanation