vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In XXXX 2020, I received a letter from Mr. Cooper ( mortgage servicer ) that they had paid a new homeowner 's insurance policy using my escrow funds. I had not changed insurance providers or coverage, and my existing policy is paid through XX/XX/2020. 

I contacted Mr. Cooper several times, and reps kept saying someone would call me back. Finally, on XX/XX/2020, a customer service rep for Mr. Cooper was able to speak with a rep from the insurance company in question XXXX XXXX XXXX XXXX, who confirmed that the insurance policy was not in my name, and did not match my address. The Mr. Cooper rep also confirmed that the money was taken out of my account by accident to pay this policy. I was told I would receive either a check for the amount XXXX {$1000.00} XXXX or a refund to my escrow account within 14 days. 

I did not receive a refund, so contacted Mr. Cooper again on XX/XX/2020. I was told they would call me back, but no one did. I'm not sure how this mistake happened, but it is not my responsibility and Mr. Cooper has made no effort to fix their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: MD

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
Southwest Credit Systems ; Please see the attached files, as the account you are trying to collect on was opened as a result of identity theft, and I would like you to immediately stop collection ( s ) on this account and remove it from all of my credit report ( s ) you placed it on otherwise more action will be taken. DO NOT CONTACT ME VIA PHONE, or I will have my attorney follow up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2020-09-18 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
BARCLAY CARD WITH XXXX FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Earlier this year JPMorgan Chase Credit card closed my credit card account without any proper explanation. When I called the supervisor he told me that I mentioned to one of the agents that I will file for bankruptcy which I never did so that the basis to close my account. When I called again another supervisor said that my balance was past due which is a lie i make all my payments on time. On XX/XX/20 i paid of the remaining balance of {$1500.00} and I shredded the card. Today I received an alert from XXXX  stating that Chase reported a balance past due in my account. I was surprised because I no longer have an account with them, they closed it without a proper explanation and I paid off my balance the remaining balance I need to know why they think I still owe them?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I requested a home equity line of credit ( HELOC ) for {$50000.00} from Pentagon Federal Credit Union ( NMLS XXXX ). I was told the underwriter denied it. I then requested an amount of {$25000.00} line of credit. That to was also denied, yet ; for that amount I qualify based on outstanding mortgage/assed value of home is less than 80 % which I was told I had to be under ==> $ XXXX {$430000.00} ~= 75 %. I feel I am being denied by Pentagon Federal Credit Union for an equity loan despite my being a member for close to 40 years.

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AR

Complaint narrative:
OCWEN IS REFUSING TO REFUND MY EXEMPT FUNDS STOLEN FOR {$16.00}, XXXX IN XXXX AND XXXX THEY ARE LISTED AS THIRD PARTY CLAIMS IN MY BANKRUPTCY. SHOULD YOU FAIL TO REFUND MONIES WITHIN 15 DAYS WILL SEEK ADVERSARY PROCEEDINGS AND START CLASS ACTION LITIGATION.SEE ATTACHED.

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 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I received a copy of my credit report about 6 months ago and I noticed multiple accounts, names, and addresses on my report with all 3 bureaus that don't belong to me and I didn't authorize it. I believe I was a victim of a data breach through XXXX  years ago. I disputed all the  items and they still have not removed them. I filed an identity theft report and 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 2020-09-18 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: GA

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
This company has along history of financial gains from unsuspecting persons from military to civilians in researching their history. They have sent out a notice showing me a DOD referenced past due bill of XXXX ; when pressed the male caller at XXXX stated it was in reference to XXXX. This all with no documentation to support and then they had added penalties and fess of almost {$700.00} I requested no further calls to be made until documents could prove this claim. In calling both finance and XXXX there was/is no amounts outstanding or due. Further they never use a 3rd party agency for collection. In my opinion this is fraud being practiced across state lines into Texas. Further they are using a XXXX XXXX  in XXXX XXXX to have unwarranted payment sent to by credit card. This crosses several lines in fraud to criminal activity. I do not see how this activity can continue over the years. Please help stop this so others are not swindled. I would close by saying the XXXX XXXX in XXXX XXXX MO should be investigated for receiving these funds scared out of some folks! Wrong, very wrong even in this business ' operations in the US!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: PA

Complaint narrative:
I purchased a vehicle from Infiniti of XXXX XXXX on XX/XX/XXXX. I purchased the vehicle new as stated on my contract and MV1 Title application. On XX/XX/XXXX I tried to trade my vehicle in and was informed the value of the vehicle was diminished because it had damage reported to the XXXX on XX/XX/XXXX. I was not informed of any damage at the time of purchase and according to the PA New Car Damage Disclosure Act, It was mandatory that the dealership have me sign off on any damage at purchase. I attempted to reach out to the dealership and give them the opportunity to make it right. XXXX the General Sales Manager said that they " had a new finance manager and mistakes happen ''. He offered me {$34000.00} as a trade in value. That is not acceptable to me. I did not go into the transaction purchasing a damaged vehicle. I purchased a new car with no damage, or so i thought. I would like the dealer to pay off my car ( approx {$29000.00} ) plus return to me my down payment ( cash and trade in value {$19000.00} ). I tried working with the customer advocasy department at Infiniti Finanacial since they funded a deal on a new car with damage and no signed XXXX report disclosing the damage. I contacted them on XX/XX/XXXX and on XX/XX/XXXX XXXX contacted me back to let me know she heard back from the dealer and they arent willing to do more than the {$34000.00} ( under Manheim Market Value ) XXXX XXXX offered to do on XX/XX/XXXX. This dealer broke PA state law, mislead me into thinking this was an undamaged vehicle and now wants to make more $ on me for their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX  WITH XXXX FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-18 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX WITH XXXX  FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
My account was closed by Citi bank sometime in XX/XX/2020. This was a secured credit card for XXXX. When the account was closed Citi bank held the deposit. I made a payment of XXXX on the account before I knew it was closed. Citi bank also kept that payment, giving them XXXX. They are reporting XXXX on my credit report still being owed. When I call to speak with an representative I was told I only owe XXXX on XX/XX/2020. The last statement I received from Citi bank was about XXXX. I was told that I incurred interest of roughly XXXX after I made the payment. How can I incur any interest if my account is closed. This is fraud and they are refusing to discuss this matter. Each time I call the call either disconnects or transferred to a deadline. Please help 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
Consumer complaint received 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I signed up for the Blue XXXX Preferred Card from American Express with the bonus offer of {$300.00} cash back after $ XXXX spending. After not receiving the bonus I called AMEX. They said that it was declined due to having an XXXX XXXX card and an XXXX personal one that was open all the way back in 2011. This is unethical to have me apply for the credit card and charge me a yearly fee and not give me the bonus that got me to open the card because I have had a continue relationship with the company. This is total nonsense this company is deceitful and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I disputed the inaccurate information on the USDOE/XXXX  account with the three major credit bureaus : XXXX, Experian and XXXX. They all said that they verified the information on the account. How could it be verified when all the information that the burueas has from the company are different. The date last active, last reported to name a few. Where are the bureaus getting their information from if all the information from the company is different? I have uploaded the information that compares all three credit bureaus information on the account and highlighted the innaccurate information. It is a violation to report inaccurate 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