vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
Im concerned that the lack of communication with PHH Mortgage Services, which is placing my residence at risk for foreclosure. I was behind two months prior to COVID-19. I reached out to the lender for forbearance as recommended by financial experts as a result of COVID-19. I received an email, dated XX/XX/XXXX, which appeared to indicate that my forbearance request had been approved. I sent two months ( XXXX & XX/XX/XXXX ) payments with the stimulus money I received via bill pay through my bank. However, the payments were returned by the lender. I have been unable to access the mortgage account online. Im also pursuing unemployment benefits and am awaiting payments. 

I spoke with two representatives, on XX/XX/XXXX, in an attempt to get answers to my concerns. The first agent ( XXXX XXXX was unable to answer my questions regarding why my payments were returned and the deferred balance that is represented on the monthly statement for XX/XX/XXXX. Acknowledging that she was unable to answer my questions she transferred me to her supervisor, XXXX ( Agent XXXX ), who informed me that the payments were not accepted because of a Notice of Intent, which he explained to me the meaning. I explained to him that I had not received a Notice of Intent and the decision I received from the mortgage company informing me that the forbearance request had been accepted. He assured me that he would email the Notice of Intent, which I have yet to receive. He also advised me that the forbearance was not approved. We also discussed the Deferred balance that is reflecting on the account which is close to the cancellation of debt ( XXXX ) by Ocwen which PHH Mortgage Services is a subsidiary. This account was included in a lawsuit filed against Ocwen for failing to process a loan modification request. His response was the regular principal balance and the deferred principal balance equals the outstanding principal balance on the account. Im not sure if Im being charged an interest rate for both balances as opposed to the one outstanding balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. XXXX XXXX {$390.00} XXXX  XXXX {$1000.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$620.00} XXXX/XXXX  XXXX {$4100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$950.00} XXXX  XXXX {$7900.00} XXXX XXXX {$1200.00} XXXX XXXX {$410.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$1200.00}

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 2020-06-02 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: CA

Complaint narrative:
I am filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit 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 2020-06-02 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 filing this report because today XX/XX/2020 I tried to refinance my car and I was unable to do so because there were many accounts reflecting badly on my credit report. I wasn't aware that these accounts were on my credit report because none of those accounts belong to me and I did not allow anyone to open those accounts in my name. I did not benefit anything from any of these accounts such as money, goods, services or any other benefit nor did I ever make any payments towards these accounts. I don't know who is responsible for opening these accounts in my name without my permission buy I have already filed a police report. I do not have any written/verbal contract with any of these companies and I did not allow them to run or access my credit 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 2020-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have an issue with New Rez Mortgage. Their customer service number is XXXX. 

My mortgage loan is held by New Rez, and the number is XXXX. 

On XXXX I made a payment of {$1800.00} and XXXX I made payment of {$1400.00}. These payments were inteded for the XXXX mortgage payment of {$2800.00}. These I was unable ot make the payment all at once due to financial hardship. The sum of these monies was placed in " unapplied payments '' and ultimately ended up being placed as payments toward the principal agains my will. I have called the company eight times ( XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and twice today on XXXX in addition to having send several written requests ) times to have the issue resolved. Two tickets were requestesd, I've escalated to mamangment three times, and each time I have been told that my request is being handled. It has not been. I am afraid of losing my home due to the issue not being resolved. I am afraid of my credit and mortgage history being impacted negatively due to their inability to correct their mistakes. I have encurred over {$500.00} in late fees that New Rez said would all be refunded because of this. Today I was assured by manager XXXX XXXX that the issue would be resolved. I do not have any faith in this promise. I need help resolving this issue as it is a great cause of stress and worry as well as a financial stress that puts my family in a position of not eating and paying bills. 

Complete and full payments have been made every month, on time since that date. 

Thank you so much for any help you can provide! 
Warmly, XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ( XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Commonweath Financial has placed this account on my credit report-it is not mine. I have disputed it and requested based on the Fair Credit Reporting Act and the Fair Debt Collection Practices Act numerous time for them to validate it. They never have, they continue to ignore me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I have contacted paypal executive office multiple times and filled XXXX  complaints against paypal. paypal is holding my money and not allowing me to login to my paypal account. Paypal has replied stating that they see I can login to my Paypal account without a problem. This is completely not true. I keep receiving the message, " for security reasons you will need to reset your password. '' Paypal is purposely ignoring me and not helping me. This is criminal action for Paypal to play games like this and prevent me from being able to login to my account to withdraw my money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02 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: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Unknown to us, Nationstar mortgage has repotted a 90 late payment on the credit report during Hurricane Harvey forebeance and the modification period thereafter. 
I have repeatedly called and asked for assistance to have this damaging and incorrect information removed, but they have not replied. 
We have never made a late payment on this loan. We were granted forebearance and followed all of their instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: PA

Complaint narrative:
I did not file for unemployment yet I have now received a XXXX XXXX XXXX/XXXX  card and have been unable to contact the state or card issuer ( US Bank ) to discontinue this process. 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 non-monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This letter is being sent to you in response to a telephone call made to me on ( XX/XX/2020 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested

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 2020-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Received robocall/phone call XX/XX/2020 XXXX XXXX from someone claiming to represent a company called 'direct recovery services ' (? ), said call was a message for a person whose name I did not recognize about some sort of debt, do not know why company called my number, do not know anyone by the name they mentioned, I personally do not have any debts that I am aware of, company wanted person they were calling for to either call them at an 888 number or go to a website, click on a url and enter a number, very concerned that this may have been an internet fraud attempt, also reporting this to State of Texas Attorney General 's office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: TX

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown ac-counts from my credit report as soon as possible. XXXX XXXX {$390.00} XXXX  XXXX {$1000.00} XXXX XXXX {$480.00} XXXX/XXXX  XXXX {$620.00} XXXX/XXXX  XXXX {$4100.00} XXXX XXXX XXXX XXXX {$420.00} XXXX  XXXX XXXX {$950.00} XXXX  XXXX {$7900.00} XXXX XXXX {$1200.00} XXXX XXXX {$410.00} XXXX/XXXX  XXXX {$1200.00} XXXX/XXXX  XXXX {$1200.00}

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 2020-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have tried on multiple occasions to use my card in stores and atms and it is being declined. I have tried to create an online account to access my card but it say it is locked and to contact customer service. I have tried to call the customer service for the past 3 days and have been unsuccessful in doing so. I have waited on the line for up to 2 hours several times just to be hung up on. There is no other point of contact to talk to someone in their customer service and I can not access my money. I dont know what to do.

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 2020-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: 3rd Generation, Inc.
State: CA

Complaint narrative:
This letter is being sent to you in response to a telephone call made to me on ( XX/XX/2020 ). Be advised that this is not a refusal to pay, but a notice sent to a pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validated is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim 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 explanation
Consumer complaint received 2020-06-02 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: AR

Complaint narrative:
I was in the process of buying an ATV for summer fun. As I was looking for the one I liked, the saleswoman that was helping me with the process told me she needed to check my credit to make sure I qualify. When she got my report back, she told me I was not eligible. I asked her to show me my report and there are several derogatory items that do not belong to me. These items are not mine and need to be removed as soon as possible. I have been a victim 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 explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
FROM : Syncrony Bank XXXX. XXXX XXXX XXXX, FL. 

This card reported that I have a credit score of XXXX from XXXX. I checked online and as my credit standing is XXXX. This score was to be used to determine if I should pay more according to credit rating. If this is not adjusted accordingly within the time allotted as an adjustment to credit score, I will contact the Company ( XXXX XXXX XXXX ) and will let them know of my refusal to the credit card that I received in the mail. Thank you for any information on this matter as this needs to be addressed.

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 2020-06-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: AR

Complaint narrative:
My mortgage was sold to M & T bank in XXXX or XX/XX/XXXX. My regular monthly payment at the time was {$510.00}, then they did an analysis on my escrow account in XXXX because I had gotten homeowners insurance and I knew it would go up of course, and it did, to {$580.00}, I always pay online and that's what I have been paying since that's what it says is due. Today XX/XX/XXXX I went online to pay and my amount due was {$710.00}! So I immediately called and they couldn't give me an answer, said they had done an analysis in XXXX and unless they have made a mistake somewhere that will be my regular payment. 
I have the document that stated that after the analysis they did in XXXX that from then on out there would be an annual one done every XXXX. 
Also there is something on my paper bills added to my regular payments {$110.00} listed as Recoverable Corporate Advance? That is never on my bill when I pay online, I am current on mortgage, please help, I do not believe that my house payment has jumped {$130.00} and the {$110.00} recoverable corporate advance since they did the analysis in XX/XX/XXXX. 

Thank you, 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 monetary relief
Consumer complaint received 2020-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: NC

Complaint narrative:
The company Northstar. I don't have any debts. They have the wrong number. They have called over 52 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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 — Investigation took more than 30 days
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
XX/XX/2020 a 30 day late payment was reported. We had contacted NJ XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and NJ XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I use XXXX for investing and saving for the future. I essentially use it as my savings account. I have had my PNC account linked with XXXX  for almost two years now. This has happened twice before, where PNC has not allowed me to link my account up with XXXX. I have called numerous times, and they give me some reason why it can not be done, and eventually goes back to normal a few days later? Well it has happened again, and I am not sure for what reason. I've heard the entire fraudulent activity script but come on now. I have been making money transfers to XXXX  for two years now. I am growing angry with having to repeat this process of being able to relink my account every year for an investment service I have used seamlessly and has not given me any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02 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: AR

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 
DEPTEDXXXX XXXX {$840.00} XXXX {$840.00} XXXX {$1900.00} XXXX {$500.00} XXXX {$280.00} XXXX {$760.00} XXXX $ XXXX {$1100.00} XXXX {$340.00}

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 2020-06-02 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: MA

Complaint narrative:
I was a victim of identity theft. They have incorrect addresses, phone numbers and employer on me credit file. I submitted a copy of my drivers license as proof and I filed a police report, FTC and CFPB with creditors and collection agencies. I also contacted ALL three credit bureaus to let know of such act and it has been three months now and finally starting to see some results. I contacted experian and the rep was extremely rude and not helpful at all stating that they don't receive any disputes or updates. I am frustrated as this is causing a financial burden on me.

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