vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
I have been in contact with Mr. Cooper for several months now requesting an extension to my 12-month forbearance. They refuse to give me one even though I have a XXXX  XXXX  XXXX. They have also refused to provide me with any answers to any of my questions in writing ( I have all my messages to them saved ) concerning why I am not being given an extension. They refuse to offer me any kind of repayment plan ( other than pay my entire outstanding balance in one lump sum ), or deferrment. They are offer me pay up and foreclosure basically. I did get a hand delivered letter informing me that my forbearance was over and that I should call them. I have tried calling them and I usually get put on hold or hung up on. Now in defiance of this recent change in the regulation to restrict foreclosures until XX/XX/2022 XXXX today got a letter from some company in California that they have commissioned to start pre-foreclosure proceedings on my property. I'm sure they will be adding those fees to my bill along with other fees they were not supposed to charge to my account under forbearance. What can I do at this point to force them to comply with my request for a 3-month extension on forbearance? If I don't qualify for this restriction on foreclosure what can I do to compel them to provide me the reasons why in writing? And what further action can I take to save my home? What is especially infuriating is that I will be receiving an inheritance within the next 3-4 months ( possibly sooner once it is submitted for probate ) and they know that as I have submitted them the paperwork and yet they have gone ahead and taken this action to try and take my home away from me. They are also aware that I have six very old horses on this property and if it were to be foreclosed on they would not be able to be moved. But apparently this company doesn't care about those horses any more than it cares about complying with XXXX  XXXX  servicing regulations. I would appreciate any help you can give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: VA

Complaint narrative:
This account is not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activity must be removed and blocked from reporting to my credit reports.They are still contacting me and this is still showing on my credit report. I will sue them if they continue to collect/report debt that does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a XXXX dollar Vanilla Visa gift card for XXXX  XXXX. In XXXX XXXX I finally got around to using it at my local gas station. The purchase was declined. It turns out the card was used without my knowledge. 
I immediately made contact with the company and started the dispute process. 

On XX/XX/XXXX. The card company wrote back to me via email and advised me that the dispute was being reviewed. 

On XX/XX/XXXX, I received an update via email that the investigation was complete. My request for a replacement card was denied. It turns out that they were unable to locate any problems. 

On XX/XX/XXXX, I contacted them via phone for further clarification, the operator informed me that my dispute was closed. I informed him that the card was used before I received it. For my record He refused to tell me the name of his supervisor, or his employee ID #. All he told me was that his name is, XXXX. 

XXXX, went on to inform me that I needed to contact the purchaser for some sort of receipt. I told him that it would be very difficult considering that we are experiencing a covid situation and I believe the purchaser lost his receipt. For the record, XXXX and co. never informed me to contact the purchaser when I first started the dispute process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute a correcting my names on all 3 credit bureaus. I asked them to remove all these aliases off my report because it is damaging and unfair. And has not been fixed.

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 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a dispute a correcting my names on all 3 credit bureaus. I asked them to remove all these aliases off my report because it is damaging and unfair. And has not been fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: SECURITY FINANCE CORP
State: TX

Complaint narrative:
I have been trying to get his account removed off my account. And have disputed it multiple times.

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 2021-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Around XX/XX/XXXX I noticed a {$17.00} collection report on my XXXX  report. I don't know what this is as I paid it a year ago, on time. I have never received a notice about this, it just showed up on the credit report. I have excellent credit ( used to be > 800 ) and pay all bills on time. 

I called the creditor 's number listed on the credit report and they show it as paid off XX/XX/XXXX. I have the credit card statement showing the {$17.00} amount. XXXX said they did not send this to collections. 

Their contact info : Phone : XXXX Toll XXXX Fax : XXXX Hours : Monday Friday, XXXX XXXX. XXXXXXXX XXXX Central Time From <https : //propath.com/home/contact-us/> XXXX was unable to help because there is " no collections record ''. 

I disputed twice with XXXX. 

On XX/XX/XXXX, case XXXX On XX/XX/XXXX, case XXXX And I just called into XXXX   to dispute a third time, this time the rep recommend disputing as not mine vs the {$17.00} amount. 

I'm stuck between a rock and a hard place on this as it's paid off and XXXX  says they can confirm it. I don't know who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have not received any letter of default or anything about repossion, i fell behind during covid and have been trying to catch up since. I owe them 8 payments, i offered to make 4 which they denied. I asked them to give me 30 days to sell the vehicle as i have equity in the car and are unwilling to help. The confusion started when we did a forebearance plan at the start of covid with start dates and wasnt properly explained to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
We closed on our new house on XX/XX/2021. The Chase mortgage loan first payment was due XX/XX/XXXX. The principal and interest amount due was approximately {$3700.00}. Chase had previously told me to make 1st payment before re-casting the loan amount with proceeds from the sale of our previous house. 

I made the XX/XX/XXXX payment and then requested a loan re-cast on XX/XX/XXXX. I made an additional principal payment from my Chase checking account of {$400000.00} that was processed by Chase Mortgage on XX/XX/XXXX. 

I was told my new estimated monthly principal and interest payment would be approximately {$2000.00}. 

However, I was told that this new payment would not be effective for my XXXX payment, but begin with my XXXX payment. 

requested that the new payment amount would start with XXXX since my loan principal was reduced on XX/XX/XXXX. I made this request to avoid additional interest payment of {$3700.00} minus {$2000.00} or {$1700.00} in the month of XXXX. 

My request was rejected on Thursday, XX/XX/2021 and I requested dispute resolution. In the process of dispute resolution I was told at XXXX CST that the appropriate manager was not available until today Friday, XX/XX/XXXX, and that I would be called to resolve the dispute. 

I was not contacted today and believe XXXX does not want to treat me fairly. They processed my additional principal payment on the same day I made the transaction, but state that they can not process the loan recast transaction in time to be effective in XXXX XXXX 18 days from today? ) I request help in avoiding an unfair additional interest payment of {$1700.00} in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-13 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: TX

Complaint narrative:
I have been trying to get his account removed off my account. And have disputed it multiple times.

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 2021-08-13 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX XXXX. My problem is an account with the XXXX company, this account only appears on my credit report with Experian, I have already tried to fix this problem with Experian by submitting an FTC report but Experian refuses to remove this account from my report because they say that the account is already paid, this is about identity theft or some confusion because this XXXX account is not mine they told me I had to talk to XXXX but XXXX says that I do not have accounts with us. I'm in the middle of a problem that I don't know how to solve, the last thing I do was a police 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 2021-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Called Transunion to let them know that they was reporting a account on my credit report that wasnt mine

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 2021-08-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient is stil getting lid on time and they still call harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Mobiloans, LLC
State: OK

Complaint narrative:
2015 credit for the amount XXXX online mobile loan. I dont recall on this loan at all.

Company response to consumer: Untimely response
Consumer complaint received 2021-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XXXX I reached out to all 3 credit bureaus asking them to validate accounts on my credit report that were inaccurate. 

XXXX I sent a letter to Equifax asking for an account to be removed that is not mine and received no response. 

XXXX I asked all 3 bureaus ( Equifax , XXXX  , and XXXX  ) to remove accounts that are inaccurately reporting on my credit report, and received no response. 

I need this investigated as soon as possible. I am reaching out to the bureaus with no response and no action being taken on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Fraudulent charges were made on my BarclayCard UberCard on XX/XX/XXXX and XX/XX/XXXX totaling {$900.00}. I only use this card for a few things never more than {$20.00} a month, no notification or alert from the card was sent. On XX/XX/XXXX I noticed the high credit card bill and called and reported the fraudulent charges and canceled the card. On XX/XX/XXXX I received notification by mail that the fraud investigation was complete and that I was not responsible for the charges. On XX/XX/XXXX Barclays debited my savings account the full amount including the fraudulent charges on XX/XX/XXXX they issued a credit to my credit card. On XX/XX/XXXX I noticed the {$920.00} removed from my savings account. My online account had been disabled. After 3 hours of waiting on hold they gave 6 different reasons about not being able to verify my identity or my account and transferring me to other people to verify who would then drop the call. The entire system is designed to take my money and provided no mechanism to complain or have it returned. I did not and have would never voluntarily give Barclays open ended interest free {$900.00} loan. I have no interest in exchanging actual money for credit. They refuse to refund the money and have wasted hours and hours of my time with a system designed to do exactly that.

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 2021-08-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
I noticed the collection agency reporting negatively on my credit report. I reached out to them to verify the debt and once it was verified I was offered a settlement offer to remove all of the three bail bond accounts from my credit report. I informed the collection agency that I would have to forward the settlement offer to my attorneys to see if they can assist me financially with the debt because I am in litigation with the client of the bail bonds accounts. Unfortunately, my attorneys could not assist me with this debt. So, I reached out with an update to the collection agency and was offered a lower settlement offer to remove all three of the accounts from my credit report. However, there are two other cosigners on the bail bonds accounts who were not sought after and the settlement offer was not divided amongst three people. I feel that it is an unfair amount of money that the collection agency is expecting me to pay without seeking any payments from the other cosigners who will benefit off of me paying the settlement offer myself. I informed the collection agency that I am a single mother on welfare, a fixed income, unemployed, and just had an additional child, and that I was ordered not to work by my doctor. The settlement offer has a deadline to be paid by XX/XX/2021 and I can not afford to pay that due to my situation and the unfairness of the other cosigners not being held responsible to pay their portion of the debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 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: Aargon Agency, Inc.
State: CA

Complaint narrative:
Aargon Agency is reporting a collection on my credit reports that is a fraud account. I had my mail stolen a few years ago and filed a police report when this happened, but just recently saw a copy of my credit report which alerted me to this fraud. I have never had any ties to Nevada and certainly never started utilities service anywhere in Nevada. I spoke with both Aargon and XXXX XXXX numerous times but this issue is still not resolved. When I spoke with XXXX XXXXXXXX I learned they had misspelled my name when opening the account, and whoever opened this fraudulent account made one payment using XXXX XXXX XXXX which I have never used.

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 2021-08-13 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: EQUIFAX, INC.
State: NV

Complaint narrative:
XX/XX/21 dispute submitted XX/XX/21 dispute submitted Bankruptcy Information was removed by XXXX and I have requested removal from credit report. They are denying the removal of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
I went into the Huntington Bank XXXX Illinois location to withdraw cash from my checking account. I was told they dont have that large of an amount, {$8500.00} and teller insisted that I go to another branch or she will order it and have it available in a couple of days ; alternatively she suggested withdrawing less money, {$4000.00}, which I agreed to. I was asked for my state/government Id, which I provided a state of Illinois Id. Teller refused to accept As it had expired in XXXX. State of Illinois extended the expiration renewal date and is public record listed on the Secretary of State website. She refused it and proceeded to ask for another state or government Id. I provided a FOID issued by the state of Illinois, which after several minutes was returned as she claimed she did not know how to enter into their system. She then asked for another government id. I provided a global entry card, issued by the Department of Homeland Security. Teller told me she was unable to withdraw my funds since I dont have a valid drivers license, and at my request called a manager. Manager acknowledged that the Illinois Secretary of State has extended the is expiration but was only through XXXX. The branchs inability to keep up with public notices of identification extension, inability to accommodate for any other id aside from a drivers license, and in turn withholding of my funds when several identification means were provided is abuse of their role as a financial institution, it is unacceptable business practices and consumer discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, entered into a consumer credit transaction with Comenity Capital/Forever 21 on XX/XX/2019. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX is reporting multiple late payments on my consumer report for the following account : Account Number : XXXX, which is a violation of 15 USC 1666b. I am demanding that Comenity Capital/Forever 21 return any fees that were improperly collected for this billing error. Furthermore, Comenity Capital/Forever 21, never disclosed to me that they are a debt collector and that they were attempting to collect a debt which is a violation of 15 USC 1692.

Company response to consumer: Closed with explanation