vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/2021, we submitted a {$2600.00} mortgage payment to Mr. Cooper Nationstar. This is our regular monthly mortgage payment.This is a ONE-TIME payment each month. 

On XX/XX/2021, at XXXX XXXX, according to XXXX XXXX records, Mr. Cooper submitted THREE more mortgage payments to our bank XXXX XXXX They ILLEGALLY took out {$7800.00} from our bank account, causing our account to be overdrawn. 

On XX/XX/2021 at XXXX XXXX, I called Mr. Cooper. They said " It's not our fault. It's XXXX XXXX XXXX fault. We can not help you. '' I then called XXXX XXXX, who told me that it IS Mr. Cooper 's fault, and we have to work with them to get our money back. 

At this point, Mr. Cooper owes us {$7800.00} and they won't return phone calls or messages via social media. 

They ILLEGALLY took 4 mortgage payments from my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: IL

Complaint narrative:
XXXX replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.

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 2021-04-24 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:
XXXX replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.

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 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX and Transuion removed the account from my credit file for XXXX XXXX - XXXX XXXX. This account was removed without any explanation from XXXX or Transunion. 

I reached out to the credit vendor to let them know that the account had been removed from XXXX and Transunion and they advised that they were aware of this and that the same thing happened to thousands of their customers. 

It is my belief that XXXX  and Transunion are working to keep consumers with low credit scores in that category. The credit vendor works with consumers with low scores to help them improve their credit. XXXX  and Transunion obviously banned the credit vendor for this reason. 

By removing this account is has directly affected my credit score and file as the removed affected my credit utilization rate further impacting my credit score. 

As I mentioned this occurred with thousands of XXXX XXXX XXXX customers and XXXX and Transunion removed the account from all of XXXX XXXX XXXX customers. 

This type of behavior by XXXX  and Transunion must stop!

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 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX pa and XXXX I have a credit freeze with Transunion. I have worked hard to get to 0 hard inquires and a credit freeze is suppose to stop all creditors from pulling my credit. Well I had 6 in last week and this is with credit freeze. This is against the law and they moved company to XXXX and they are XXXX and liars. 
Fair credit reporting act section 604 says they have to verify that they will have to show evidence I did this which nobody should be able to do this with credit freeze and the fcra 604 says that have to prove this. I sent paper work in and they admit they don't know how it got through there system so it has to be through XXXX doing this. 
I want these fraud 6 hard inquierysoff my report now. Credit freeze should have stopped this but these lying XXXX says I have to prove I made inquierts but that us not are federal law.

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 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I sent a wire transfer on XX/XX/XXXX, which they rejected because my accounts didn't have the exact same name on them. 

They said they initiated the return of the money right away, but it has not arrived. I've tried contacting customer service numerous times, and they haven't responded. To make matters worse, there is no way to talk with someone on the phone. 

I've seen others having troubles with them online, sometimes taking 30 days or more to return the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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

Complaint narrative:
180 days ban of my paypal account is over they even send me an email regarding it. They also said I can withdraw my wallet balance now but when I tried to withdraw it using the existing bank account it just gets denied days later and they removed the bank account. My problem now is I tried to add a new bank account but they won't let me. They keep saying I can't add because my account has issues and when I go to my notification it's just said the same notification I got 180 days ago that my account has been permanently banned. My question now is how can I withdraw my hard earned money?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase bank allowed XXXX XXXX mortgage to withdraw over {$19000.00} from my checking account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
A usps package showed up at my house that I did not order so I refused delivery. I also found a charge on my debit card for {$100.00} I emailed the merchant and they claimed they never received the package. I showed them the USPS tracking that showed I refused it and they still will not return my money to my debit card. I showed all this to TCF and they claimed I did not return it to the merchant within 30 days. After I proved to them that I did they changed their story to it has nothing to do with TCF even though TCF is the one that released the {$100.00} from my account without my permission. 

TCF reply letter to me says I am entitled to review documents used to make this decision. I called TCF at XXXX and asked for documentation used to make their decision and they had none.

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 2021-04-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Mr. Cooper is my mortgage servicer. Last night they ILLEGALLY and FRAUDULENTLY cleaned my entire account out. The issue occurred on XX/XX/2021. I am actually ahead on my mortgage and this company debited my personal banking account several times last night and cleaned it out putting my account in the negative. This was NOT a legal transaction and this company did NOT have my express permission to do so. Im demanding my money be returned and Mr. Cooper pay closing fees for a new Mortgage servicer of my choosing or I can just take it to small claims court. Ive already submitted a complaint with the FBI and XXXX. Mr. Cooper is refusing to answer their phones and keep hanging up on everyone. THIS IS FRAUD DOWN TO ITS VERY CORE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
i wrote LEXISNEXIS RISK SOLUTIONS INC. on XX/XX/2021 about them reporting and sharing inaccurate and incomplete information on my credit report.I attached a copy below to delete the bankruptcy from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Payday loan and multiple attempts to cease monthly increase in payments after account has been closed and charged off. Santander continues to report account and charge additional fees. All three credit bureaus made aware of this. I also called Santander requesting my tax form for irs. Never emailed as stated by bank rep.incorrect payoff of loan documented not to mention the loan now engulfed to over XXXX with monthly charges since charge off which they have gotten a tax break for? 
Not to mention letters sent to all bureaus for removal due to inaccuracies due to additional monthly fees. All documents are available to show outstanding increases after charge off. 
Due to the false and fraudulent information Santander continues to report I would like this account removed swiftly from all 3 bureaus.

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 2021-04-24 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: GA

Complaint narrative:
In XXXX of XXXX, I ( XXXX XXXX XXXX paid off my XXXX Student Loan dept in full. Until this day of XXXX XXXX it is still reporting an open balance {$1600.00} as of XX/XX/XXXX. 

2 issues, the balance is incorrect and the last update was back in XXXX. It is showing closed But when I try to go and apply for a loan it is still showing that I owe that amount on there end I have contacted both trans union and XXXX XXXX XXXX  and yet the issue still have not been resolved. I need immediate action to be done. Ive sent out letters back to back to XXXX, us department of education, transition, experience and XXXX XXXX and waited on a response, still nothing has been done!

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 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: OK

Complaint narrative:
I worked at XXXXXXXXLexington Law for a few weeks and what I saw was horrible. I've never seen a company take CFPB less serious. I observed numerous things that were down right dishonest. Employees were taught to get sales my any means necessary. In training we listened to a call where a gentleman was calling about his stimulus ( nothing to do with it he company ) and the employee on the phone mislead him by telling him he had to sign up with out service to receive his stimulus. Many of the other calls we listened to were troubling as well. Multiple calls we listened to for training taught us that we should just tell them it's a free trial even though it's not. I also was there 5 weeks and not once did anyone listen to my calls. They don't seem to take quality control seriously and they have a don't ask don't tell policy. I would also like to add that the way the speak about their clients is troubling. They refer to them as XXXX XXXX, and XXXX constantly. I took my issues to HR and was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: DE

Complaint narrative:
i mailed a dispute letter to Experian via certified mail on XX/XX/21

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 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
During the past five years I had been harassed by USDE on whose falsely made claims to IRS on overcharges on paid off student loans I had, also IRS were taking my tax return to paid unpaid business taxes reported to them as independent contractor under my legal name XXXX XXXX XXXX, I also filed complains because Transunion credit bureau fraudulently allowed XXXX XXXX from California misrepresenting and accessing my credit file and placed her fraudulent loan as add on in connection with an existing record of my student to cover up her fraud in order to fulfill her economic crimes and XXXX 
Attached find the reason why only TransUnion credit bureau had outstanding debts reported on my credit file and others credit bureau had XXXX balance and reported my student loan paid off, and had gone nothing to clear it, just TransUnion! 
As mentioned before I had security freeze on my credit file since 2010, I recently logged into my credit file to change my password, and noticed that my logging were linked to the spy location address XXXX XXXX in California and PA, not my location I live in XXXX, Florida, I had never been in PA neither in California, also I noticed they were also registered as business inquire and linked to a business name XXXX XXXX XXXX, which is my real legal name, birth name, and accessed my file without having my password neither my pin, which mean to me they are being using my personal logged in to get my credit file in connection with their business, to cover business entity and XXXX XXXX in California, which is a fraud and identity theft FS, 817.568 therefore it means to me that XXXX XXXX has an insider helping her with her fraudulent and abuse economic crimes, his name is XXXX XXXX who is nothing less than a senior Manager of TransUnion credit agency. The address listed on the business inquire as my location is XXXX XXXX residence address located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX, and he phone listed on the business inquires are also TransUnion credit bureau phones XXXX, XXXX, XXXX, see attached evidences and proof Now you have everything to made an arrest, forward complain to the FBI and arrest this is the XXXX XXXX XXXX in TransUnion using my name as business, and committing fraud, placing loans under my social security, the domestic XXXX is covering their operation using with citizen existing loan to add on their own loans which in my opinion could be loan for financing domestic XXXX  and they are using good citizens with good credit record. I am sure the US department of education has another XXXX XXXX working on their domestic XXXX operation covering up their operations

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 2021-04-24 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
Lobel has been reporting inaccurate information to the credit bureaus and on multiple occasions they will fix it and then the next report they will revert back to the previous reporting. They have also had major gaps in reporting and then tack on added unspecified fees to the account. I have asked to verify these fees added to the Charge off and it has yet to be sent. They also are reporting inaccurate dates and amounts paid and owed. I request that this account be removed immediately because of the unethical reporting and failed communication from this company. I have not received one letter in regards to this charge off since the car was picked up in 2019 after 45 days! This is ridiculous and should be looked at the way this company conducts business. The amount of times i have had to dispute these false reportings ' has continually been a burden to my credit and affecting my credit history in a major way. This company should be shut down indefinitely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: CA

Complaint narrative:
XX/XX/2020 I received a letter stating that I owed XXXX XXXX a sum of {$610.00}. At the time, I put it off because I believed it to be false. But, over time I kept getting repeatedly called about it. I was told by XXXX that I made a purchase of {$610.00} out of state. While I do have an account with XXXX XXXX, I have never made a purchase of this amount with XXXX XXXX. The company attempting to collect this debt from me is Credit Management LP

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
Transaction authorized XX/XX/2021 for XXXX to XXXX XXXX through Paypal for a transaction on XXXX. Messages to XXXX XXXX through the website have gone unanswered. Although the website indicated it is housed in Ohio, the time stamps for the messages are for the XXXX XXXX time zone. I fear the site is a shell for fraud and wished to cancel my payment before any further exposure occurred. Paypal indicated that it could not cancel a payment once authorized despite the potential fraud and risk. Please see transcript in attached document. Paypal did not provide a copy of the transcript upon my request. The document was copied and pasted from the online exchange that spanned approximately 14 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
CHASE bank illegally and fraudulently sent my mortgage company money without my express written permission. Chase bank debited my account multiple times for same transaction and put my account into the negatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
This is regarding making payments to XXXX Visa at Comenity Capital Bank. 

I have sent two checks to pay off this account in full in the last month, neither have been accepted. These checks are in the amount over $ XXXX. I have spoken to several high level managers that claim to take care of the situation - nothing has been done. I even sent a second payment overnight XXXX to the XXXX XXXX overnight address with signature required. I verified that this check was signed for on XX/XX/20 at XXXX by XXXX XXXX XXXX They claim to not have received the check. I was told that the check must be the exact amount of the account balance and any other amount will be rejected. I made a payment that day to make the account balance the exact amount of the check. The very next day they assessed interest charges on my account which now makes the check amount too large. This bank has some serious problems that need to be addressed. The customer service is the worst I have ever seen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
Our lender did an escrow audit on XX/XX/21 which showed a surplus of over {$3600.00}. I called on XX/XX/21 about the refund check and was told it was still in process. After telling the representative that it legally was meant to be returned to me within 30 days, she spoke to a manager who told her to say it had been mailed out on XX/XX/21. We still have not received a check as of XX/XX/21. This is in line with their same practices from last year as well.

Company response to consumer: Closed with explanation