vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr.Cooper my current mortgage company paid the wrong homeowners insurance company without my consent. 
Our current homeowners policy is with XXXX XXXX and I have no idea why Mr.Cooper paid some company named The Hearth group.I never gave any permission to Mr.Cooper to pay any premium to The Hearth group.

I contacted Mr Cooper numerous occasions to let them know that the payment should go to XXXX  XXXX and no one else.Now I ma facing the prospect of having XXXX XXXX cancel our policy for non payment. 
Mr Cooper had no legal obligation to pay The Hearth group fraudulent bill.I repeat I have no idea who they are and why would they bill for a NON existing policy.Please help.This is FRAUD!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX 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 2019-06-12 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: CA

Complaint narrative:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with Experian and XXXX for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score..Please delete XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-06-12 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: CA

Complaint narrative:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with XXXX and Transunion for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score..Please delete XXXX XXXX XXXX , XXXX XXXX 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 2019-06-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Google Compare Credit Cards Inc.

Complaint narrative:
Dear team, Recently I made payment through Google pay worth of XXXX bucks that amount was not reflect in any where I want immediately refund that amount please look in to this ASAP. 
Thank you Thanks & Regards, XXXX 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 2019-06-12 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Hello this is in re : to Amazon {$16.00} Leg Loose Jumpsuit Romper due on XX/XX/2019 Amazon canceled my order for nothing, I paid for XXXX for XX/XX/2019 so Amazon needs to refund me the money back, -Amazon is going down because now they have resorted to underhanded things like selling my debit info to others companies-sad. 
Amazon claims to have {$30.00} in return funds in return products for me- I would need them just to send to me, most of their new workers can not speak English -this creates a new problem with billing if your staff can not understand, Once -I ask when the product was coming and the staff person - said if you don't like it-just return it. I knew then it was a language barrier going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have tried to submit my online disputes with transunion all day yesterday and this morning. In the dispute page of my report it doesn't guve me a edit or dispute button to dispute an item such as my personal name being shown as my brother 's name, a child support collection agcy from the tn dept of human services not being mine but my brother 's once again. I have tried emailing transunion with no response back. I am trying to repair my credit because that is all i have left.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2019 2019

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 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a mail piece offering to open a Citi checking account with qualifying actions to received XXXX Thank You points. Despite completing all qualifying actions I was unable to use the points. 
Listing below the events in chronicle order : 1. Opened an account on XX/XX/XXXX 2. All required actions were completed on XX/XX/XXXX ( this has been confirmed by numerous Citi representatives ). 
3. On XX/XX/XXXX supposedly XXXX Thank you points were credited to my Thank You account. 
I didnt receive any email notification nor did I ever see those points on my online account, even when trying to log in directly to XXXX. 
4. On XX/XX/XXXX I contacted the Citi Customer service asking about missing points, # XXXX. They suggested opening a case so this can be investigated. Customer representative informed me itll take 3-5 days to get a response. 
5. When 5 days expired I called the customer service again, they asked to wait up to 21 days for a resolution due to Citi having too many inquiries at the moment.

6. On XX/XX/XXXX I received a resolution on my request # XXXX stating that XXXX Thank You points were credited to my account on XX/XX/XXXX. 
7. On XX/XX/XXXX called customer service representative to help me see/use the points since they were still not visible on my account. They claimed that points expired on XX/XX/XXXX ( 60 days after they have been credited ) 8. Opened another dispute XXXX and on XX/XX/XXXX got a response that they cant do anything. 


While I understand that points were set to expire in 60 day, first time when I called Citi I as within the terms and points were supposed to be active. The actions taken by Citi to investigate the case made points to hit the 60 days expiration term. 
I was never given an opportunity to use the points, despite completing all requirements to get them.

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 2019-06-12 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: FL

Complaint narrative:
I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX - XXXX XXXX - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX - XX/XX/2019 XX/XX/2019

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 2019-06-12 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: FL

Complaint narrative:
I have accounts that I never signed up for that are somehow showing up in my collections. 

- XXXX XXXX XXXX XXXX  - XXXX XXXX  - XX/XX/2019 - XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2019XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
This is the same company I tried to get YOUR ( CFPB ) help on. 

You highly regulate my entire career so please help me when I need you. 

GM violated the FCRA by decimating my credit. 

If I reaffirmed the debt with them, they take payments for two years never late BUT REFUSE TO REPORT THE TIMELY PAYMENTS.. HOW CAN THEY LEGALLY LITERALLY BACKDATE LATE PAYMENTS.. This is a violation of the fair credit reporting act. 

I will contact the department of Justice with this if you do not resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
I was granted a modification to begin on XXXX with 3 trial payments to be made. I made payments payments in XXXX in which they were said to have been returned for insufficient funds. I contacted XXXX XXXX XXXX XXXX and XXXX XXXX several times a week over the month of XXXX regarding this matter, beginning on XX/XX/XXXX. I sent in EVERYTHING that was available to me from my banks as proof of payment, but was still told that no payment was received, which my bank states that they received it and provided Fay Servicing a copy of the endorsed check, transitional statement and wire transfer document. I was provided with a perm mod agreement and mailed back in, in which Ms XXXX states was received. On Friday XX/XX/XXXX I was told by XXXX XXXX of Fay Servicing LLC that my payment was received and the payment dept tracked the payment and my payment was indeed posted. On XX/XX/XXXX I received a call from Ms XXXX, stating that my payment ( the bank wire ) was received but was returned for insuficient funds. She advised me that my perm mod agreement was received and I was all good and could make my XX/XX/XXXX trial payment anytime during XX/XX/XXXX. She stated that the modification agreement that they offered was rescinded and there is no longer an agreement. She advised me to forward her something from the bank reflecting payment was actual a wire and not a check and she will have it researched with no guarantees that they will be willing to resume modification agreement. She advised me my next step would be lifting the foreclosure hold and proceeding with a foreclosure. I have done ALL of what was asked of me provided everything attempted to make several payments and I keep being told they have been returned for insufficient funds when my most recent payment was a wire from my credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Back on XX/XX/2019 I did a balance transfer from BBVA in the  amount of {$5400.00} that was to go to my XXXX XXXX  XXXX card, bbva sent a check with pay to the order of to XXXX instead of XXXX XXXX, XXXX XXXX  then sent me back the check saying they couldnt accept the check since it needed to be pay to the order of XXXX XXXX. I then called bbva they advised to go there branch deposit the check in my account so I went to the branch and the manager did not want to accept it. Iv been calling since XX/XX/XXXX and each person I speak with tells me something different they open a case they told me my issue should be taken care of in 5-7 business from XX/XX/XXXX we are now in XXXX and I have yet to have them funds put back on the credit card. They then asked me to fax the check with the letter I received from XXXX XXXX  I sent the fax to BBVA XX/XX/XXXX they then told me I should see the funds on the card 5-7 business days from time I sent fax witch would been Monday XX/XX/XXXX. Its now Wednesday XXXX I called them yesterday then was told they dont know whats going on and they could not give me a date when Ill see the funds back on the card but the bill is due XX/XX/XXXX. I have been dealing with this issue now going on a month and they still have yet to resolve the issue. {$5400.00} is showing owed but I have sent proof that the balance transfer did not go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
This involves Sallie Mae and Navient. I believe I qualify for the lawsuit. I was charge a large amount of interest. Here are some of the statements from Navient. 


XX/XX/XXXX Disbursement {$32000.00} Interest {$0.00} Fees {$0.00} {$32000.00} XX/XX/XXXX - Not informed of Payment Prinicpal {$0.00} Interest - {$220.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$16.00} Interest - {$200.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$54.00} Interest - {$160.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$92.00} Interest - {$120.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$270.00} Interest- {$160.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal {$42.00} Interest - {$170.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal- {$61.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$260.00} Interest - {$170.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$65.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$63.00} Interest - {$150.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$86.00} Interets - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Prinicpal- {$81.00} Interest - {$130.00} Total {$0.00} Fees - {$220.00} XX/XX/XXXX Payment Principal- {$100.00} Interest- {$110.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Payment - {$87.00} Interest - {$130.00} Fees {$0.00} Total - {$220.00} XX/XX/XXXX Payment Principal - {$180.00} Interest - {$250.00} Fees {$0.00} total - {$440.00} XX/XX/XXXX Payment Principal {$0.00} Interest - {$220.00} Fees {$0.00} Total- {$220.00} XX/XX/XXXX Payment Principal - {$230.00} Interest - {$200.00} Fees {$0.00} Total - {$440.00} XX/XX/XXXX Capitalized Interest {$270.00} - {$270.00} {$0.00} {$0.00} XX/XX/XXXX Payment Total- {$300.00} Interest {$0.00} Fees {$0.00} Total - {$300.00} I have additional paper statements from Sallie Mae as well. 
I called the company many times about this and about being unable to afford this amount. I was told that I would have to go into forbearance or default. It was only in XXXX that I heard, from a co-worker, about income-base repayment plan. 

The total amount that is now owed is more than the original balance. 
XXXX XXXX XXXX : {$34000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America locked my checking account on XX/XX/19 due to " suspicious activity ''. I have a bank printout that shows a balance on XX/XX/19 of {$5900.00}. 
I was told verbally by the local bank manager that there was an issue with a check deposit of {$3300.00}. The check was improperly modified but was initialed by the owner who issued the check. 
On XX/XX/19 I received a cashers check {$1000.00} and a statement that said the issue was closed. 

Subtracting the suspect amount from the balance statement leaves a total of {$2600.00} due to me. 

The check for {$1000.00} is short by {$1600.00}.

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 2019-06-12 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: Westlake Services, LLC
State: CT

Complaint narrative:
I voluntarily gave a XXXX XXXX back to the bank after much hassle in speaking with them to pick the vehicle up. It's been about 3 months since they took possession of the vehicle and still continue to report an open account, thus increasing the amount and continuously reporting incorrect information on my credit report instead of stating that the account is closed. This is deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: CT

Complaint narrative:
I voluntarily gave a XXXX XXXX back to the bank after much hassle in speaking with them to pick the vehicle up. It's been about 3 months since they took possession of the vehicle and still continue to report an open account, thus increasing the amount and continuously reporting incorrect information on my credit report instead of stating that the account is closed. This is deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12 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: NORTHWEST BANCSHARES INC
State: MA

Complaint narrative:
I was harassed by some men from the XXXX XXXX region. They knew my family was on vacation and they said they were going to kill me and hurt my family first and they forced the paperwork to get the account to pay a lot of money to them somehow.

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 2019-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I couldnt get my account numbers on my credit reports, I need the account numbers for the inquiries because I need to get inquiries removed. I need my account numbers for all my inquiries in order for me to get them removed.

Company response to consumer: Closed with explanation