vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IL

Complaint narrative:
There is a credit for {$140.00} that US Bank acknowledges but refuses to give me credit for-it is even in their responses XX/XX/XXXX to CFPB.

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 2020-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
good morning Yesterday, XXXX / XX/XX/2019, through XXXX, I get the notification, that a bank makes an inquiry to my credit, without my consent. 

The bank is XXXX XXXX in XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
In XX/XX/2019 I applied for a loan modification and was denied. I appealed in XX/XX/2019 and was denied again. XX/XX/2019 I have spoken with a financial advisor thru the Hope hotline and was advised to seek a forebearance which was never offered to me as a option. I called my mortgage servicer Sps and was told that a forebearance is the same thing as deferral and repayment which they denied me. 
I have researched and they aren't not the same.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2020-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Bank transferred from my account to overseas without my knowledge Bank called me the time it happened and I spoke with them and disputed this transfer and they promised me that no money will be transferred and they put the whole amount on hold. 
I discovered after one week they transferred the amount and when I called them they opened an investigation case with a promise that I will got my money back After one month they closed the case and denied without even telling me why or in what base they closed it. 
Now they want me to write to them again, which I did. 
I am running after this problem from last XXXX without solving it which cost me lot of money going and spending time in different suntrust bank. Also disturbed my son who is XXXX  XXXX  to pay his rental apartment which I borrowed money to pay Iam XXXX years old and living in tied budget

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 2020-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
Today, XX/XX/2020 I was scammed on paypal of {$35.00}. At the bottom of the page it says this website offers consumer protection so I am submitting a complaint in hopes of getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Received first delinquent tax notice from township. Date of Notice XX/XX/XXXX Taxes were due to be paid out of escrow on XX/XX/XXXX. 
A portion of our mortgage payment to Mr. Cooper mortgage is put into escrow acct. each month to cover property taxes and insurance. The amount put into escrow each month is {$590.00}. 
We now have a total as of XX/XX/XXXX of {$3100.00}. The initial amount for property taxes due was {$1100.00} for the quarter. There was an ample amount in escrow to pay property taxes by the initial due date of XX/XX/XXXX. We have since then accrued interest on unpaid taxes making the amount with interest {$1100.00}. Not sure if there are any late fees attached to unpaid taxes. We reached out to our mortgage company on XX/XX/XXXX and explained situation. We were told initially that our taxes weren't set up to be escrowed but after looking into it further the person we spoke to realized that they were being escrowed and that the way it was put in when acct. was sold to them was causing the problem. They told us that they were making notes on acct and sending to their tax dept. and that it would be resolved. They also asked for us to send copy of delinquent tax bill to them which we did on XX/XX/XXXX. It was emailed and faxed. Since then we have talked to numerous people and supervisors and are being told that they are still reviewing situation and they will contact us when taxes are paid. Today is XX/XX/XXXX and nothing has been paid. We also called township and told them of situation and they told us to keep on them and make sure it is paid by XXXX. Like I said as of today taxes have not been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I reached out to capital one to see if they can update my payment to paid as agreed. I had fraud on my bank account and my payment bounced. I am a XXXX   and did notice until I tried to use my debit card. I have a part-time job and this is my first credit card. I called and asked if they could help as a courtesy. This is the only late payment that I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have several loans being serviced by Navient, one is a Dept of Education loan. I have made a number of payments to the DOE loan and on XX/XX/XXXX looked online and could not see payments that I mailed last month posted. I provided Navient via email on their site, the most recent check # s made & sent to pay the loan at the XXXX, GA XXXX address that I always mail the payments to, and requested for them to look into it. I have not received a response. However, the second request I made the same day via email ( through the Navient site ) to change the payment date for the other 2 loans, to match my pay period at work was denied -- NOTE : that email was IMMEDIATELY responded to by Navient. They also make it difficult to retrieve my communication with them via email through their site but are quick to email me regarding late payments ( pdf doc in their website under my profile ). This morning, I set up Bill Pay through my financial services department, so that Navient will stop charging me late fees. I can absolutely understand why people get frustrated and file complaints against Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: IN

Complaint narrative:
On XX/XX/2019 I went into XXXX in XXXX IN to purchase a jacket for my son i went to self check out to expidite my purchase i swipped my card and the message said contact the instituation. I did it two more times because i didnt understand what was going on so i grabbed an employee to assist me on her register it said the same thing i called the company and waited on the line while holding 20+ mins the WAY 2 GO card rep ( Conduent XXXX ) stated '' the system doesnt show that you even tried to use your card ''. For four days i was denied access to my own funds from ATM 's stores over and over again. I was mentally drainned i was emotionally destroyed my children and i suffered tremendously being denied access to my own personal funds. After calling and filing complaints i got a call from a WAY 2 go rep claimimg they were going to deal with the situation and they have failed to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BB&T CORPORATION
State: UT

Complaint narrative:
I purchased a vehicle in XXXX of XXXX for the amount of what I thought was XXXX. As time went on I noticed that even with consistent payments my vehicle cost remained high. I tried refinancing through the company and getting a better interest rate. The company, Regional Acceptance flat out refused to work with me. I found someone to purchase the vehicle on a later date and was told they could not take over the loan. I then tried again to get my interest rate lowered. They refused. Ive looked into re-financing but because the loan terms are so high there is no way to fix the situation without getting into another bad loan. Ive tried to make principal only payments and was told that is also not an option. It would s now XXXX and I still owe {$11000.00}. When I make payments almost {$200.00} is applied to interest and then the rest goes to the principal. I will never have this XXXX car paid off applying most of the payments to interest instead of principal and they wont allow principal only payments in order to bring the interest down. How can this be okay. If there is a lawsuit filed I want my name on it. When I got the car I had just finished a bankruptcy and I am working diligently at maintaining a positive financial history. After 2 yrs of on time payments they should be willing to work with me. The payments are high and I am having a hard time maintaining the high payment. Especially with the rise in housing costs. Right now my son and I are XXXX  because the high auto payment is hindering my ability to pay for an apartment as well as feed my kid.

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 2020-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am trying to get my first credit card it keeps dening me I need some neg marks removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a dispute For XXXX XXXX XXXX  ( XXXX XXXX. I explained to equifax that XXXX  XXXX  XXXX  did not give me a 20 day notice the right to cure debt. Its a south carolina state law that a bank must notify the consumer in writing the right to cure. XXXX XXXX never showed any proof they sent me the notice within 20 days of the repo. My rights was violated by XXXX  XXXX. I was never given the right to redeem my belongings which the law requires. I purchased a Engine warranty for the car, the engine fail in the car and they wouldn't replace it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
Currently I have Flagstar Bank Mortgage. In XXXX the Flood Policy from my Association renewed. I had called Flagstar and gave them a heads up because I had a similar issue with previous mortgage company. I gave them contact for the Flood Insurance company and they said they would note it in my file. I called them after they sent me a letter saying that they needed the information Since I am the XXXX XXXX  I obtained the full policy and added it to there document server. Then I got another letter saying that they need the information. I called again and was first told that they didn't have the information. I told them I called and gave the information and added the policy to the document server. Then I was told that they have the information add they are expediting it. Then I found my escrow account pulled from and called again. I was told it was still being reviewed and they are flagged it to be very important.

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 2020-01-01 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: FL

Complaint narrative:
Equifax File Number : XXXX Date : XX/XX/2020 FCRA Violation Sections 604 ( a ) ( 3 ) ( F ), Equifax has failed to initiate an investigation for more than 90 days. Failed to supply proof of Method of Investigation. Failed to provide proof of a legitimate transaction or credit application with my Full Name, Date of Birth, Social Security Number, and signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I had a repossession four years ago and creditor report the repossession a month ago and another repossession got on my credit due and total lost of vehicle due to theft and accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: NV

Complaint narrative:
I am still in the process of getting this inaccurate data removed m=from my profile. Transnion XXXX and XXXX has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under 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 2020-01-01 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I am still in the process of getting this inaccurate data removed m=from my profile. XXXX Eqifax and XXXX  has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under law

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: NV

Complaint narrative:
I am still in the process of getting this inaccurate data removed m=from my profile. XXXX XXXX and experian has inaccurate information relating to my credit profile. My name is listed incorrectly and there are ample amount of credit inquiries as well as negative accounts reorted on my file. I am asking that CFPB steps in and ensure that the credit bureaus does what is right under 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 non-monetary relief
Consumer complaint received 2020-01-01 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Letters have been sent twice in the past the most recent letter was on XX/XX/XXXX, requesting that information be removed from my credit it was removed on XX/XX/XXXX and reinstated on XX/XX/XXXX, I never received a 5 day reinstatement letter as required by law. At this time I would like to request a final removal of this derogatory mark because before I file a law suit with small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CARTER-JONES COLLECTION SERVICE, INC
State: OR

Complaint narrative:
I was served on XX/XX/19 for an account I was unaware was in collections. I had moved and filed a change of address in XXXX. I told the gentleman that served me that I had filed a change of address and they had been sending the notices to the wrong address. XXXX XXXX claims they did not get notice of change of address unitl XX/XX/19, however, my insurance company had gotten notice back in XXXX. 

A few days after I received the summons I received a statement in the mail at the correct address. 

I called XXXX XXXX to try and set up payment arrangements and did so. Thinking the court case would be dismissed. I called back to ask if I could get it in writing that it was dismissed and she said they would not dismiss it. They would get the judgment and as long as I was making the payments as agreed upon there would be no garnishment of my wages. I asked for her to put that in writing. She stated that it was company policy that they do not put anything in writing. 

I told her that I had filed for a hearing and she stated that the payment arrangement would be void and they would garnish my wages if I continued with my hearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-01 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: LEXISNEXIS
State: NC

Complaint narrative:
Lexus Nexus Consumer Center, said that they can verify a Bankruptcy and have reported it to the credit reporting agencies. But can not provide the person name, address non phone number that verified information to be true from the court.

Company response to consumer: Closed with explanation