vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
We sold & closed on our 2nd home on XX/XX/2020 & have still not had our escrow funds in the amount of {$4100.00} returned to us. The mortgage co. is Mr. Cooper, loan # XXXX ; the location of the property is XXXX XXXX XXXX, XXXX, CO XXXX. I have contacted the mortgage company 5 times : ( 1. ) XX/XX/XXXX : XXXX  told me the 2 checks ( XXXX & XXXX ) were sent on XX/XX/XXXX ; she said it would take 7-10 business days to arrive ; ( 2. ) XX/XX/XXXX : XXXX ( TX ) confirmed the pay. was sent on that date & asked if we would like a reissue but cautioned me that the checks should arrive any day so if there was a reissue the clock would restart & again take another 7-10 business days ; ( 3. ) XXXX : XXXX said the date of, " log in '' of the check wouldn't be the same day of mailing & encouraged us to wait a little longer before doing a reissue ; ( 4. ) XX/XX/XXXX : XXXX ( TX ) apologized profusely & asked me to send a voided check to allow him to wire the funds into our acct. stating the process would take up to 5 business days ; ( 5. ) XX/XX/XXXX : Upon checking my acct. we discovered the larger amount of  {$3700.00} had been deposited on XX/XX/XXXX ( 6 business days after being told " up to 5 ... '' ) ; I talked with XXXX at Mr. Cooper who told me the {$350.00} would be wired to my acct. taking, " ... up to 7 business days. '' which means we've been waiting for 2 mo. for our  escrow refund! 
We have been purchasing real estate for over 26 years & have never dealt with anything like this ; if this company is allowed to cont. these practices they'll be collecting a very large sum of interest on someone else 's $ $!! 
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX have all applied unauthorized inquiries to my credit 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 2020-02-28 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: FL

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX have all applied unauthorized inquiries to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: Advantage Credit, Inc.
State: AL

Complaint narrative:
I wrote an letter months ago about the issue months ago and never heard back from company and they dont have an contact number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
I have an fraud alert on my account. I didn't authorize any of this.

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 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My credit report shows two separate accounts for LVNV Funding for XXXX XXXX. I havent received any correspondence via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
XXXX XXXX ( XXXX XXXXL XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$680.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2020 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX and I am the pastor of XXXX XXXX XXXX. We use cash app to process and receive contributions from our members our cash app tag is $ XXXX ( XXXX ) We have over {$2800.00} in our cash app account and unable to retrieve these funds. We have tried contacting cash app but have not received any results. These funds are given from church members. We need these funds to operate our church.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MO

Complaint narrative:
Quicken Loans offered me a VA loan costing {$15000.00} to refinance my existing conventional loans of {$150000.00}. It was actually a bait and switch technique to get me to take their cheaper loan from another source. It was offered today at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I have an fraud alert on my account. I didn't authorize any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NV

Complaint narrative:
ENHANCED RECOVERY ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$810.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ONEMAIN FINANCE CORPORATION
State: NY

Complaint narrative:
I mailed a check on XX/XX/2020, from XXXX XXXX XXXX to One Main Financial in the amount of {$6000.00} using their payment envelope to their XXXX, OH address. I wrote my account number on the check before mailing it to One Main although the photocopy of the checks ( made at the bank does not include the account number on the check ). One Main has not applied the payment to my account as of XX/XX/2020. So to avoid any late fees or negative credit ratings, I made an additional payment this evening online, XX/XX/2020, for {$170.00}. One Main does not apply my payments to my account unless I physically enter one of their branches. By the way, XXXX XXXX XXXX received my check, I wrote their account number on the memo and applied the {$10000.00} payment to my account. This is not the first time One Main has not applied my payments and threatened to negatively impact my credit rating. The photocopy was made at the bank ; however, when I mailed the checks I wrote the account numbers for the payments on the memo line of the checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SLM CORPORATION
State: NY

Complaint narrative:
This bank was very rude to me when applying for a credit Card their system said it was pending I have a fraud alert on my credit report I called them to inform them they were rude to me it sounded as if someone was in their house watching a kid slot of baby noises and I got declined thats same night I got an email I called them the next day to ask them why and the reason I received didnt make sense I asked if they can reconsider since their is nothing wrong with my credit it was their system decline I contacted XXXX and they said they dont make decisions to approve an application its up to the creditor but when I called with this stupid reason they provided they refused to help me their email just states too many Bankcard accounts opened in 24 months I just become a us citizen and have begun building my credit with those new accounts I asked them if they had a reconsideration. Or underwriter department they said no and I asked so when will this reason stop being used against me refused to answer my questions and concerns horrible bank

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ

Complaint narrative:
After reviewing my credit report I noticed a collection account from Wakefield & Associates Inc of XXXX XXXX Colorado. The collection was for an account of XXXX XXXX XXXX XXXX. After I looked up the entity name I found that it was a medical bill. Using this information I looked up all areas of operation of that entity in Arizona and only found 1 near my residence. This hospital appears to be a XXXX hospital in XXXX Arizona. 

I was a victim of an employment scam in XX/XX/2018. I made a report then to the consumer protection bureau in regard to that incident since it involved credit cards in my name. I am of 100 % certainty that this account does not belong to me. I am in no need for a XXXX hospital needs, I am XXXX and no history of XXXX XXXX. I have only been to the hospital one time in the last 10 years and that hospital was not this hospital. Another reason I know this bill is not mine, I am a 100 % XXXX veteran and 100 % of my medical costs are covered by the XXXX XXXX. Another issue I noticed is that hospitals in Arizona use the XXXX XXXX XXXX XXXX to collect medical debts in Arizona. 

I believe I was a victim of identity theft and would like this collection removed immediately from my credit report. I have filed a dispute with the credit bureaus today.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX ( XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$810.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-02-29 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: IL

Complaint narrative:
There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to Experian, XXXX and XXXX to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.

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 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
CAVALRY PORTFOLIO SERVICES ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-29 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: IL

Complaint narrative:
There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to XXXX, Transunion and XXXX to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.

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 2020-02-29 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: IL

Complaint narrative:
There is a collection account on my credit report for XXXX that was resolved in 2019 and I have asked XXXX to remove it and it was not removed. I sent a complaint to XXXX, XXXX and Equifax to have it removed and all they keeping saying is the debt is being reported correctly, it is not. This debt was resolved and Cancelled by XXXX and needs to be Removed from my credit report. Attached is the cancellation of debt from XXXX showing this debt was cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I have reached out to have payments deferred. I should not have reporting late payments. On XXXX, 2018 I had to work with XXXX XXXX via email to have the issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
In XXXX of XXXX I leased a car from XXXX. Along with my down payment they had offered me a credit card in the amount of {$2500.00} to also use towards the down payment. I told them that I was not interested. I did not want a car payment plus a credit card payment. Gave my down payment signed all the paperwork and drove home in my new car. The spring of XXXX I received a letter from a Law Firm stating that I was being sued for an unpaid debt in the amount of {$2800.00}. I am XXXX so I had my Mom call. She told them that the credit was not mine and that I have never even had a Credit Card. Never heard from them since. I am know looking for a house and I have been unable to even be considered a potential tenet due too a collection on my credit report. After looking more into it I am now finding out that it is the credit card from the XXXX XXXX where I got my car. I never authorized the use of a card. It could of been from the lack of communication due to being XXXX. Plus the corresponding statements that I now have in hand doesn't even have my correct address. This is why I never knew of this situation too even take care of it back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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 — Problem with personal statement of dispute
Company: American First Finance, Inc.
State: IL

Complaint narrative:
I have had an account with American First Finance since XX/XX/XXXX and the company has failed to report my account with the credit companies. I paid the company in full on XX/XX/XXXX. Then I called today on XX/XX/XXXX, XXXX and I was hung up on twice on the phone and the company has failed to report my loan account.. I asked to speak to a supervisor waiting on the phone for over 25 minutes only to be treated rudely and hung up on and he provided no information, his name was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Theres a collection on my Equifax on report that I dont know anything about. However theres no way to contest it because I dont know what it is. I am 100 % sure that if I was liable for that I wouldve paid it. I didnt let anything go to collections. I have paid every bill and every co-pay from any place Ive ever gone. It doesnt even show what it is. In addition Ive had XXXX for years, New York state XXXX. Theres no co-pays. So even if this was a medical debt it wouldve been covered by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$780.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2020-02-29 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-02-29 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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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