vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: MS

Complaint narrative:
I got this home in 2019 and moved in and my payments were affordable but after my children didnt go back to school i had to buy more food more house hold items plus computers for there work and get the internet which it is higher in our area due to us being at the location that we live in. well the mortgage company went up XXXX XXXX extra dollars on my note. That was a bit to much so i fell farther and farther behind, now they are trying to take my house. I have XXXX children and its been hard on me. There father got XXXX in a XXXX XXXX  and its been very hard on me because im all they have and Im trying my best but being a XXXX XXXX  and trying to maintain the well being of my children is hard. I really need the help to get back on my feet. i havent been in a bad situation like this before but what i do know is that if i could get the help it will be greatly appreciated. Thank you for your time a patients to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I pay my mortgage and always have over a month in advance and it has normally been processed and reflected as paid on my next statement, or XXXX due for the upcoming month. on XX/XX/XXXX XXXX I paid my XX/XX/XXXX payment and it was credited correctly. On XX/XX/XXXX I paid my XX/XX/XXXX payment and they applied it as ADDITIONAL PRINCIPAL meaning my next advance payment on XX/XX/XXXX for XXXX was applied to XXXX and now I owe ANOTHER PAYMENT. The servicing company Mr Cooper knows and acknowledged the mistake and said they would adjust it. There were also supposed to call me back and never did so I called back and they pretended there was not record and said they would adjust the payment and apply it to XXXX, but it still has not been done. They have also not given proper notice of escrow increases and never gave me an opportunity to pay the difference to keep my payment managable and the same. The loan has been sold over five times and had five servicing companies, and SETERUS was even worse than Mr. Cooper about responding or adjusting even when they admit they made a mistaken application to additional principal when knowing I intended it as a monthly payment a few weeks in advance as I always do. I want this payment applied correctly because during this time business is very slow and I need the money and not to make an additional mortgage payment due to MR COOPERS mistake. These people will hound you all day long if you a day late, but never return calls or respond or escalate a situation where they have made an error and then deny that you ever even called. They do not give you an opportunity to bring your escrow up so that you don't increase your payments. Then they want you to go to online billing and and TRUST THEM. I am furious at the time I have to spend to get the right department and the actual person to service me hours on phone for this, when only a human can fix it, and even then, refuse to do so, causing me the fear of not having enough money right now and them forcing the books to look like I did not make a payment this month ... .Additional Principal XX/XX/XXXX {$50.00} {$50.00} {$0.00} {$0.00} {$0.00} {$170000.00} Monthly Payment XX/XX/XXXX {$1700.00} {$430.00} {$580.00} {$730.00} {$0.00} {$170000.00} Additional Principal XX/XX/XXXX {$1600.00} {$1600.00} {$0.00} {$0.00} {$0.00} {$170000.00} Additional Principal XX/XX/XXXX {$9.00} {$9.00} {$0.00} {$0.00} {$0.00} {$170000.00} Monthly Payment XX/XX/XXXX {$1500.00} {$420.00} {$580.00} {$570.00} {$0.00} {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: RI

Complaint narrative:
Lots of scam forex brokers open fraudulent accounts with east west bank, and victims got lured by scammers wiring large funds to those personal accounts opened by the fake brokers. As one of the scam victims I tried to call East west bank fraud department multiple times reporting the frauds being committed by fake scam broker who opens multiple peroneal accounts in east west bank with no luck, the associates either away from the desk or voice mails are full, not able to reach any of them. 

I lost XXXX dollars to scam broker 's accounts in east west bank, the bank should freeze those accounts and pull the money from those scammer 's accounts and return to victims instead of ignoring it, just simply says no way to return. 

Date 1 XX/XX/XXXX Bank NameEast West Bank Bank Account Holder NameXXXX XXXX XXXX XXXX XXXXXXXX XXXX ROUTING NUMBERXXXX ACCOUNT NumberXXXX Beneficiary Bank AddressXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX Beneficiary Address XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ca XXXX XXXX dollars 2 XX/XX/XXXX Bank NameEast West Bank Recipient name : XXXX XXXX Routing numberXXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CAXXXX Account Holder Address:XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX dollars 3 XX/XX/XXXX Bank NameEast West Bank Recipient name XXXX XXXX XXXX Routing numberXXXX : XXXX XXXX XXXX : XXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CAXXXX Account Holder Address:XXXX  XXXX XXXX XXXX XXXX, ca XXXX XXXX dollars 4 XX/XX/XXXX Bank NameEast West Bank Recipient name : XXXX XXXX Routing numberXXXX XXXX XXXX XXXX XXXX : XXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA,XXXX Account Holder AddressXXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX dollars 5 XX/XX/XXXX Recipient name XXXX XXXX XXXX Routing number/XXXX : XXXX XXXX XXXX XXXX XXXXXXXX Account number : XXXX Recipient bank name : East West Bank Recipient bank address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA,XXXX Account Holder AddressXXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, Ca XXXX XXXX dollars Total : XXXX dollars

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 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Consolidated Recovery Group, LLC
State: FL

Complaint narrative:
I have asked this company to stop emailing me to just mail me validation on this debt simply a contract between me and the creditor my signature stating I owe this debt along with any other proof that leads me to this debt collector I have never heard of and I simply just get emails back stating here 's your validation with no contract or anything I have emails I can forward to this claim I have emails in which I have asked a few time to stop emailing me and him continuous to email me I have tried to block this debit collector and it has not worked I'm still getting emails I'm feeling very flustered

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: GA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my 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 2021-02-27 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: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX, I had back unemployment benefits from NYS deposited into my PayPal account. I had used this account to receive unemployment without issue for nearly 2 months but when 6 weeks of back pay was deposited I was permanently locked out of my account and told I had to wait 180 days before they decided I would get access to my funds. 

No I dont have access to my unemployment after speaking with PayPal on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed fraudulent inquires on my credit report.I reached out to the creditor to request the inquire to be removed and they have not removed it.These are fraudulent inquires and need to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It had been 11 years since this XXXX XXXX XXXXXXXX account. They finally closed it but left it on my credit when it should be completely removed from my 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 2021-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I sent a Certified Dispute Letter to Transunion ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Transunion. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

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 2021-02-27 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: GA

Complaint narrative:
I was taken advantage of due to false practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, deformation of character, I can't get a job, or apply for credit. I can't even get a sba loan or anything else in this pandemic due to this crisis. You have hurt my ability to uptain credit.

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 2021-02-27 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: SC

Complaint narrative:
I sent a Certified Dispute Letter to Equifax ( Tracking # XXXX ) and it was received on XX/XX/2021. 30 days have passed and I haven't received any response from Equifax. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I've called, sent letters, and even hired a company to help me deal with Synchrony Bank and there fraudulent actions taken on my credit report. This company has continuously re-aged my account activity with them for several months and its not fair. I've had enough and I need this account deleted off of my credit history.

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 2021-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
It is the law, that I receive my statements on time, however, I am having issues with Select Portfolio Servicing because I am not receiving my monthly statements on time. Today is XX/XX/XXXX and I have not received my monthly statement. In XX/XX/XXXX I did not receive my statement until XX/XX/XXXX, again in XX/XX/XXXX I received it on XX/XX/XXXX. It is aganist the law not to receive my statements, and why do I have to request my monthly statments. My statements should arrive 12 days prior than the due date, but again today is XX/XX/XXXX and I have not received my statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was taken advantage of due to false practice while several laws were being broken under the FCRA by your company. This has caused me financial injury, deformation of character, I can't get a job, or apply for credit. I can't even get a sba loan or anything else in this pandemic due to this crisis. You have hurt my ability to uptain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Business Factors
State: CA

Complaint narrative:
I was in custody of the XXXX XXXX XXXX Jail during the debt in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
First they put multiple first six numbers on the accounts XXXX .thats on my credit reports. same things on report, trying to get me to pay on bankruptcy bills. XXXX XXXX XXXX  had two but one was misspelled and dont excised. XXXX is one company XXXX. I want proof of the bills. Next is portfolio debt collection that phone number is XXXX they are the ones over XXXX XXXX XXXX. Im very XXXX and I never lived in the city where one bill is

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
This account was opened through identity theft prior to me being of legal age. My ex step father opened this account I believe ; however not certain. I didn't find out this account existed until my XXXX birthday. I have tried on several occasions to have it removed by Capitol One. Each time they claim it is a valid debt although I clearly was a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION BUREAU INCORPORATED
State: UT

Complaint narrative:
I have lived in Utah my whole life. Last year I noticed a collection on my Credit while I was applying for an Auto Loan. The collection I found was from XXXX XXXX XXXX for some apartment in California. 

I have never lived in California. I have been living in Utah my whole life. I have a signed lease for a place in Utah. I tried reaching out to the apartment in California where the Collection Company CBI says the apartment was rented. When I reached out to property the " XXXX XXXX on XXXX '' the person who answered at the front desk said the property management company that filed the collection was fired for not properly vetting their tenants. I have not been able to find any numbers to this property management company who filed the collection. I have reached out to the Collector CBI many times. They keep saying they are investigating it but never do. 

I mailed a letter in the format suggested on FTC.gov to CBI the collection company. They sent a letter back showing a copy of the contract. It looks like the signatures were all electronic. 

There is other weird things listed on the copy of the lease CBI sent me like some old XXXX car but the license plate was not listed. It shows a move in date for XX/XX/2019 and a Move out date for XX/XX/2019. I was living in Utah at the time and would never want to live in California I have filed a police report. 

I have mailed letter a few letters and made several calls. Filed a police report. Followed every step on Identitytheft.gov. I can go back and search bank statements or credit card charges that show I was in Utah if necessary. I am shocked that any type of property management company would blindly rent to someone without checking an I.D . in person. 

I have perfect credit except for this and I now can't buy a home or even move and rent another home because of this fraudulent collection. 

I have attached my rental agreement from XX/XX/2019 for the place in Utah I was living at and that I am currently living at.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 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: IN

Complaint narrative:
This account was opened through identity theft prior to me being of legal age. My ex step father opened this account I believe ; however not certain. I didn't find out this account existed until my XXXX birthday. I have tried on several occasions to have it removed by XXXX XXXX. Each time they claim it is a valid debt although I clearly was a minor.

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 2021-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
To Whom it May Concern, I am having an ongoing dilemma with a collection agency refusing to provide me original documentation of an account which they insist is accurate and one which i am certain is not mine. 
The company reporting the data is LVNV. They are constantly changing the reporting date of the account, reaffirming the debt to the bureau 's in a malicious way to impact my score and refusing to honor the dispute as outlined in the Fair Debt Collection Practices Act., which states that information under dispute must be provided from an original source so that the account can be reviewed and then disputed for accuracy. 

It has come to my attention in my research that LVNV is a debt buyer and one with a shoddy record of compliance, which makes perfect sense but leaves me no closer to a resolution with finality. I am asking for this agency to intercede on my behalf and assist me in my dispute with this debt buyer. I am requesting full information of this debt, original documentation and an affidavit where applicable. The account is not mine and it is my belief that the account is the result of a mixed file. Someone else 's file has been attached to my report in an illegal manner and by not providing the transparency to my consumer rights, I am left to pay for this mistake on their behalf. 

I understand that this agency can not act my counsel, however I respectfully request that the CFPB act as a mediator in this regard. Thank you.

Company response to consumer: Closed with explanation