vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-05 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: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Hello, I first reported the problem on XX/XX/2021 and got a incomplete response on XX/XX/2021. 
It's about the balance of my Mortgage loan being reported to XXXX, XXXX  XXXX XXXX  at {$250000.00} and recently XX/XX/2021 received a email from XXXX stating my loan balance is {$250000.00} after they reached out to my Mortgage Loan Servicer Mr. Cooper. The correct Mortgage Loan Balance is {$230000.00}. I recently found out about this information being inaccurate with all Three Credit Bureaus is because my Credit Score was decreased. 
I will be sending by email a letter to the Researchincoming @ mrcooper dated for Today XX/XX/2021 that is a part of the attachments. 

You can only reach the people who does the investigation into this issue is by email only - reseachincoming@mrcooper.com or by mail. I have spoken to a CS Representative to see if I can speak them about this problem and I can not and they only addressed one Credit Bureau which is XXXX  and I sent the all three to show them the problem which has not been corrected nor my Credit Score. 

This is a copy of the Email I sent on - Fri, XX/XX/2021 XXXX pm ( XXXX ) To : you ( Bcc ) + 1 more Details Hello Research Department, Please acknowledge you received this email, so, I know it has gone to the correct place. I have recently discovered via my Credit Score being reduced, that all Three Credit Bureaus has the same incorrect my Mortgage Balance. Please find attached all Three Credit Bureaus reported amount of my Mortgage being {$250000.00}, when is actually {$230000.00}. There is {$23000.00} difference. Can you please correct this problem with the Credit Bureaus and inform me when this issue is resolved and my Credit Score is corrected. 

Thank you for all your help with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I had an account with XXXX  that went delinquent, and was sent to collections in XXXX of XXXX. XXXX of XXXX, is when this debt is supposed to be deleted from my credit profile. According to the information that the collection agency XXXX XXXX XXXX, applied to my Experian profile, it is apparent that they have re-aged my Experian credit account. It is showing that the date the account was opened was in XXXX of XXXX. I sent a certified letter to both XXXX XXXX XXXX, and Experian to have the company verify that the information included in this alleged debt. Neither company has validated the debt, original contract, the details stating what and why the amount is due, or proof that the original debt was not charged off by any means. I sent Both companies my demand for validation letter, under the above mentioned terms in XXXX of XXXX. They had until XX/XX/XXXX to either validate it, or remove it from my credit profile. After contacting Experian customer service, they still allowed this fraudulent account to stay on my credit, without any proof.

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 2021-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
Hello, I am in the middle of purchasing a new home. For some reason, my mortgage lender wanted me to pay off my lease. Last Tuesday, XX/XX/XXXX, I submitted a payment in the amount of the final two months owed through the Hyundai Motor Finance website. I called their phone number at XXXX because I was told the account was not showing as closed. I was told by the representative that they saw the amount was received and my account showed a XXXX  balance. They said to look again the next day ( Friday XXXX ) and my credit report would be updated. Between Friday and today ( XXXX ), my credit report showed the account as still open. Two calls to Hyundai and they claim they held the XXXX payment in reserve instead of paying the account. Attempts to get even an unofficial closing letter were denied and now I may not be able to get my mortgage on time because Hyundai lied to me last week. I will never used Hyundai again. They are dishonest, do not care about their customers and are unwilling to correct their mistakes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Celebrity Financial, Inc.
State: CO

Complaint narrative:
I chose XXXX XXXX XXXX : XXXX, a loan officer working for Celebrity Home Loans https : //www.celebrityhomeloans.com/, to process my mortgage application for a conventional 30 year fixed rate loan. He issued me a Preapproval letter stating a rate of 2.49 %. 

As the loan approval process began, he told me he locked the rate at 2.50 %. Then a few days later he said he actually failed to lock it and the rates have gone up by then, and my lock is at 2.625 %. Then again, a few days later he said the lock did not in fact happen, and I have a lock at 2.75 %. And he lied because a few days later I received a final message stating my lock is at 2.875 %. Only then I received a paper stating the lock rate, and this is is what went in my final loan approval letter and Closing Documents. 

XXXX XXXX has repeatedly lied about locking my interest rate, and I ended up getting a much worse rate than initially specified. All of our conversations about getting a locked rate at 2.50, XXXX, XXXX are documented. We received no rebates or other incentives. 

I posted reviews on XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX a subsidiary company of Celebrity Home Loans through which the loan was processed ). XXXX reached out to me asking me to delete these reviews in exchange for a cash refund of {$620.00}. I don't want to delete my reviews because they are accurate and fair, and they might help other consumers.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
i did not consent to these inquiries reporting on my consumer report, authorize nor benefit from any of the following inquiries, Block and remove them immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have send various requests to the Mortage company I have requested a forbearance and also a modifcation. Both were not sent to the Bank and dis not get a response. I want to negociate to keep my home I have gotten no resolutions. I was provided with three resoluitons 1 ) pay up 2 ) Quick Sale 3 ) title in lieu 40 moving amount All were not properly explained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: CL Holdings LLC
State: PA

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Segan, Mason & Mason, P.C.
State: VA

Complaint narrative:
We have been attempting to pay our monthly condominium fees XXXX to XXXX XXXX XXXX XXXX. The payments for 5 months keep being returned. We emailed the management company, and delivered a letter to the Board of Directors by certified mail, and have been ignored by them ( a direct violation of the Ethics Code for being a Board member and fiduciary duty ). 

We finally sent emails to the officers of the management company, and received a reply from the president, XXXX XXXX. He informed us that our payments were being returned because we had been placed " in Collections '', and our payments had to be made to the association 's Attorney. The association Attorney, under VA 's Civil Code, is required to inform us, in writing, by certified mail, that we have been placed in Collections. We have not had any response or communication with the management company office since XX/XX/2020 despite emailed requests for information ; and we have received no information from either the Board or the Attorney, by email or letter, let alone a certified letter. 

We have continued to make our payments by XXXX -- several times a month -- but they continue to be returned. Our condo unit will need to be sold as part of an agreement for the VA loan program for our current domicile. We think the Board and the Attorney are attempting to falsely foreclose on the condo unit, or to hold it hostage for fraudulent collection charges. 

This is not the first time the Board or the Attorney have acted in an underhanded manner with unit owners. We can not do anything and can not verify anything. We can provide receipts of our payments showing we are current in payments -- if they would be applied when received and not returned to us. If we were put in collections some documents need to exist -- including a proof of certified mail received by us. We can not obtain proof of anything : not when this collection started, nor for what amount, nor proof of certified mail sent to us. We do not know what we should pay and to what address. 

We asked disclosure of our financial situation for our account repeatedly, by certified mail and emails and we have not received it. We have the receipt of our certified mail sent to the Board, and emails to prove our efforts. We are kept in the dark and, despite our payments, our account is unpaid now for as much as 5 months. And, apparently, we are in " Collections ''.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is a formal complaint against Synchrony Bank Network located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Synchrony Bank Network has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
My name is XXXX XXXX and I have been contacted via mail by the company 'Receivables Performance Management LLC ' on a debt that is owed to XXXX XXXX. ' I have never had services with XXXX XXXX, nor ever resided at the address that the debt is tied to. 

I have contacted the collection company to let them know, it is not my debt- They advised to fill out a police report and contact the credit bureaus which I have done. The credit bureaus explained to ensure to reach out to the FTC which redirected me to the CFPB. 

The 'Receivables Performance Management LLC ' company has already taken a hit on my credit, when this is a debt that I do not owe. I am attempting to ensure all steps are followed correctly so this 'collection ' will be taken off my credit report correctly and in a timely manner. 

Thank you, stay safe. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, There is an incorrect hard credit inquiry from XXXXCards on my Experian file. After trying to work with them for over an hour on the phone, the Experian rep wouldn't even take my dispute even though XXXX cards specifically told me to reach out to Experian to get this resolved. This is urgent. Can you please help get this resolved?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have been completely unable to access my credit report through Experian ( or literally any other company/avenue, including other credit report agencies and my bank 's services ). XXXX XXXX was unable to tell me anything about what the issue is. 

When I try to get my report from Experian on their website, it first asks me for my general info. Then I get sent to another screen asking for additional info to confirm my identity. After I supply the additional info I am given an error message saying that there has been a technical issue. This same ordeal happens with any service I use to try and access my report. I have had this issue since I started trying to get access to it last year ( XX/XX/XXXX ). 

I have sent a letter to Experian to get this resolved ( XX/XX/XXXX ), but I am growing impatient and am not even sure if they will respond to my letter. I am DESPERATE to at least figure out WHERE I need to go to learn more about and fix this issue so I can access my credit reports and get my life back on track. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2020, I was trying to order a thermometer on Amazon.com and I got this message " Account is locked for suspicious activity, call ( XXXX ) XXXX XXXX ''. When I called the number, I was asked for the email address associated with the account which I provided. Then the representative told me that he was going to email something to me to verify the address. What I saw next was " 2 gift cards from XXXX ''. I asked him what is that? He replied don't worry Mom, there will be no charge to you. I declined to accept it, I hung up the phone and logged out. 
Unfortunately I received a bill for {$190.00} from Chase Bank that issued the Amazon credit card. I disputed the bill with Amazon, XXXX and Chase Bank back and forth. At the end ofXX/XX/XXXX I received an email from Amazon stating " A refund was issued to the credit card on XX/XX/2020 but Chase Bank keeps on harassing me with the bill and daily phone calls even after forwarding the email to them.as they asked me to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I sent letters to EQUIFAX asking to investigate accounts on XX/XX/2021 and again on XX/XX/2021. XXXX has yet to respond to me in regards to the result of the account represented on my credit report. 

I am sending another letter today with this complaint referenced today XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH

Complaint narrative:
I received notice that a law suit by Ohio Att General was filed. After I did my research I show the filing amount for the document is {$1600.00}. I reached out to and was advised I was being sued for the total amount of {$6400.00}. This was confusing to me as the court website appeared different. I advised it was impossible to pay the full amount and wanted to look into my options to avoid court as my state taxes have been taken since 2018 to be applied to this debt. I inquired about options and informed I will have wages garnished due to another judgement against me and I was not sure how this would effect me. Each time I mentioned wanting to know options to resolve in avoid court I was asked what I could afford. I explained my yearly tax returns are my extra money and being that they were already being applied I thought that would be okay. I inquired about a possible settlement and was informed that they wouldnt even know what would be acceptable settlement. I was informed to wait until Im served with the court notice and call back in a week or so. I felt that the attempt of collecting more than what appears on the court website as filed is misleading and unfair. I feel that since payments are being taken from my taxes over 4 years the act of still suing is unfair practice. I feel that telling me options are available but not providing those options and insisting on waiting until Im served is unfair and misleading. I was informed total debt owed to original provider was close to {$5500.00}, I was informed since 2018 {$600.00} plus interest has been billed and since 2018 a over {$1000.00} has been taken still owing {$6400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The Credit bureaus seem to throw my letters out or do not do anything on my file. I have late payments that are not true. I want the inquiries I did not authorize removed. I have several accounts that do not belong to me. My name and alias names need to be corrected. My addresses are wrong as well. I am attaching a letter of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/2021, I filed a dispute with PayPal on a transaction through XXXX. I notified PayPal Credit and Pay about the transaction dispute ; on XX/XX/2021, Paypal Credit put charged {$280.00} back on my account. Paypal never closed my account dispute ( Case ID : XXXX ) ; they sided with the person that conned me on XXXX. A seller sent me the tracking number ; however, the item was not a XXXX sXXXX. It was a bag of rubber bands that they sent to me. I felt that this seller had duped me. I have provided the pictures to Paypal to show proof with the tracking number included with the package. After the item was purchased from XXXX, the person removed his account from the seller 's log. I provided the information with pictures. I sent all the information to Paypal, yet they sided with the seller. I will not allow the seller to con me. I sent all the evidence to Paypal ; it angers me that they sided with the seller without contacting me for more evidence. They have delayed the dispute ; the credit card company ( Paypal credit ) recharged {$280.00} without contacting me immediately. I feel that Paypal is looking the other way, allowing fraud transactions to occur. I waited over 4 hours to reach a live person they still did not resolve my situation I had to hang up.

Company response to consumer: Closed with explanation