vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
I am a XXXX veteran with a loan in the state of IL In XX/XX/2021 I was dealing with extreme XXXX  problems due to XXXX XXXX XXXXXXXX and its effect on current medical issues. The company only offered me 2 months forbearance. The health issues ended up with me losing my job in XXXX. I requested again forbearance extension under the cares act. I was only offered a financial disclosure form for loan modification ( with the company making sure I knew it could affect my credit score, and ability to pay back my loan, and that the company may find I can't afford my loan anymore, not cares act forbearance ). Come XX/XX/XXXX I was still out of work because childcare was too expensive, however me and my wife were able to come up with the money. In the state of IL because of my XXXX I do not pay property taxes. On the XXXX I requested that the company provide me with a corrected number to become current with my loan ( again without forbearance ). The same day I gave the company {$4000.00} as a good faith payment so that the company would work with me while they fix the demanded taxes. 7 days later the company hired a lawyer to put me in foreclosure. It took until XX/XX/XXXX and getting a pro bono lawyer to get the corrected mortgage payments and reinstatement amount. The company didn't wait even 30 days ( you know for the document to go from them to their lawyer, to mine, and then to me ) of doing what I initially asked to serve me, thus more lawyer fees they want me to pay. I wake up every morning worried about money because of this, since XXXX. struggle to go to sleep at night because of this. The forbearance would have allowed to be financially stable during the pandemic. however, by XXXX I just wanted to pay off my missed payments. I wasn't trying to get them to honor the CARES act anymore. Nothing that has happened to me is in good faith. I am the only one in this situation acting in good faith. I had to explain to their lawyer how IL law worked. ATTACHED is the email that I got stating they had recieved my proof of tax exemption before hiring a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit Systems is currently reporting an account from XXXX apartments to the credit bureaus. Its also reporting incorrect information on the account as there is a joint applicant that I have no association with. I have spoken with National Credit Systems multiple times over 2 months timespan. I filed a dispute and was advised on XX/XX/2022 that the incorrect account on my report would be removed. That statement was provided in an email dated XX/XX/2022. National credit systems has yet to remove this fraudulent account. Today XX/XX/2022, I called and spoke with XXXX who says he is a collections supervisor. XXXX advised that the account was closed but reopened with a note stating it was closed in error. XXXX also stated on XX/XX/2022 that XXXX XXXX has advised they can not verify the debt and that the account should be closed. Despite XXXXXXXX XXXX advising the account should be closed, XXXX advised the account would not be closed if I did not send in proof that the application should be free. XXXX provided an email address for his supervisor XXXX  XXXX and very rudely hung the phone up. I sent the email to XXXX XXXX on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The are unauthorized Inquiries reported on my credit report for the following : XXXX XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX, Bank of America on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and Bank of America on XX/XX/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 2022-09-26 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: U.S. BANCORP
State: FL

Complaint narrative:
The are unauthorized Inquiries reported on my credit report for the following : XXXX  XXXX on XX/XX/XXXX, Elan Financial on XX/XX/XXXX, XXXX XXXX XXXXXXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX and Bank XXXX XXXX on XX/XX/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 non-monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
on XX/XX/2022 I was contacted by a person who I though was friends with on XXXX and said she invested her money some money with a person and got back a good amount on money back. She had the lady contact me by XXXX. I got a message from a person named XXXX she informed me that if I invest {$600.00} I would make a profit of {$6000.00} back the only thing I would have to pay is her commission which was XXXX XXXX of whatever I made. I asked all the necessary question a person would ask to make sure you are not getting scammed. I believed her and XXXX her {$600.00}. She confirmed the transaction on her side and said she would keep me posted on the investment. A couple of hours later she send me a message through XXXX saying that I made {$6000.00} and that she would transfer the money to me but that it would take a couple of hour for it to process. I replied and said that it was fine. And hour or two later I received a XXXX message saying that the money was ready and she would transfer but I would need to send her money as she need to pay the transfer fee. She stated that the Transfer fee would be {$1200.00}. I told her that it was a lot of money to transfer and she stated not to worry that I would get it back. I ended up trusting her and XXXX her {$1200.00} on XX/XX/2022. Later in the night of XX/XX/2022 I got another message saying that once again the money was ready but I would need to XXXX more money. At that point I questioned her and said that I had no more money and she say well see if someone and help you and you can send them back the money once you get your investment money. At this point I decided to actually text my friend who had referred me to her on XXXX. XXXX is is my friend texted me back right away and said " do not send any money to them it is a scam, they scammed me too and now have taken over my XXXX to have all my friend send them money. '' She stated that she lost access to her XXXX to these hacker and scammer. 
I contacted my bank which is Chase to report XXXX they stated that there is nothing I can do and that I can not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Patenaude & Felix A Professional Corporation
State: PA

Complaint narrative:
The information on the XXXX credit card account is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Freedom Mortgage Corporation has purchased my 15 year FHA mortgage with in the last year. I received notice in XXXX that my mandatory flood insurance was going to expire on XX/XX/22 and the mortgage company had not paid the renewal from my escrow account. I contacted Freedom Mortgage through their message center online on XX/XX/22 and XX/XX/22. They replied on XX/XX/22 saying that they were preparing the escrow account for payment of renewal. I got a letter on XX/XX/22 saying that they will not accept my flood policy because it was private flood insurance. I called on XX/XX/22 to try and resolve this issue and let them know that it is unacceptable to give only one day notice. Also that they should not have bought a mortgage that they did not accept the terms that were agreed upon when I got the mortgage. The coverage i had was about {$1100.00} a year. Equal coverage that they accept was over {$5000.00} a year. I had to get the absolute least amount of coverage with the highest deductible allowed to be able to afford it. My deductible went from {$2500.00} to {$10000.00}. I asked customer service, the insurance department, and the mortgage department to please Email me all of the documents they have on my file and explain how this was legal. I have not gotten a response.

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 2022-09-26 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
Information is incorrect and not accurate at all. I was incarcerated thru this process and would like to be updated and deleted please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: KS

Complaint narrative:
This debt is not mine I was not in the state of XXXX  XXXX XX/XX/XXXX. I was in XXXXI have no knowledge of this. Also I have no job, since XX/XX/XXXX. So how could I get a pay day loan. For XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westhill Financial
State: AZ

Complaint narrative:
I received calls with no answer on the other line I said hello multiple times with no response. On XX/XX/2022 that a payment was already taken from my account without any previous notice or authorization for XXXX dollars. On XX/XX/2022 I received another email that XXXX dollars were taken from my account again both of these funds were collected without prior notice or authorization. I call company on XX/XX/2022 asking questions about account, balance, and anymore information on this so called debt. I requested a letter they stated this can not be mailed to me I attempted to set up arrangements that I could pay they were unwilling and stated I dont know why you want to set that up might as well not pay thats nothing. I then asked to speak with a supervisor and was told the supervisor takes care of the whole off because I refusing to pay other legal actions would take place. They then acted like I was being transferred to a supervisor no one answered the line and I was sent to a voicemail. I called back to verify the status of my account and I was told to stop calling there. This was a very unpleasant experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: OH

Complaint narrative:
Sometime around XX/XX/22, I received a letter from Rategenius ( see attachments offer-front.jpg and offer-back.jpg ). After reading it carefully, it was my understanding that they were offering me a rate of 2.64 % and a lower payment to refinance my truck. Since this was for an interest rate less than I am currently paying, I proceeded to go to the URL they provided to receive my personalized offer page. What I received instead was a form to fill out additional information. I did not realize I was actually going through the loan application process until it was too late and an inquiry had been made to my credit. 

At that point, I figured I'd just go ahead and provide the documentation they asked for, and proceed with the loan. This morning however, I received notification the loan application had been cancelled, with the attached document ( rategenius-denial.pdf ). Essentially in the letter they said they couldn't find a lender willing to offer the rate they promised. 

So I have two issues with this. Number one is them providing bait and switch interest rates that don't exist. Now they have all my financial information. This is completely unacceptable. 

The second issue I have is with the link to the personalized offer, which page was not indicative that I was actually making a loan application, and since it didn't show any additional details, I simply thought I was giving additional information so I could receive more details specific to my circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: VA

Complaint narrative:
When I signed up for my gym membership at XXXX XXXX in XXXX, I was NOT told about all the different membership options. I feel as if I was scammed into going with the 3 year MOST EXPENSIVE plan. I had just turned XXXX and I feel as if I was taken advantage of for having such little knowledge of contracts. I have tried to cancel this membership and havent been there in months, so I simply stopped paying. I dont have any way to pay for this due to me not having a job. I am a young mother and my top priority is NOT this gym membership. I have no money to pay this off and I just wish to cancel this membership all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: TX

Complaint narrative:
On XXXX XXXX, 2022 Bank of America ( B of A ) closed my Checking account. I do understand B of A has the right to close my account at anytime. From XXXX XXXX XXXX, B of A returned my payments for mortgage, IRS XXXX insurance and other bills as unpaid. 
On XX/XX/2022 I was told me account was fully closed. On XXXX XXXX, 2022 I was told the balance was sent out to my address on file. I called every other day to verify my check was mailed. Because I didn't have money my water got turned off for days. 
On XXXX XXXX, 2022 I asked to speak to a Supervisor ( XXXX XXXX, whom I asked why B of A sent XXXX Police to do a wellness check. XXXX insisted B of A didn't do that sort of thing. I also, asked XXXX why had B of A reps had been telling me the check has been in the mail since XX/XX/2022, I should receive it within XXXX business days. XXXX told me a Hold was placed on my check XXXX XXXX, 2022. I did inform XXXX I have been deceived by B of A and they have not been forth coming on the issues of my account. After I spoke with XXXX XXXX XXXX Police came to house again. 
I would like to know what items are being investigated, so I can have the chance to defend myself and provide validate documents for all my deposits in question. I am aware of a {$270.00} balance from a old XXXX Account. I told B of A reps and Supervisors I authorize them to take the {$270.00} from my checking account balance closed on XXXX XXXXXXXX XXXX. 
Not having my funds to pay my mortgage and other bills for the last XXXX months has cause me a great deal of stress, anxiety and hardship. After my mother 's horrible murder, I suffer from XXXX. This bank issue is compounding my XXXX symptoms.

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was notified by credit monitoring on XX/XX/22 that a new business credit card had been opened under my name at Bank of America. Despite being a regular banking customer with them, I was not notified by them of any attempt to secure a credit card. I only found out about this through a third party. This credit card is now showing on my credit report. 

I called Bank of America and created claim # XXXX the next day, on XX/XX/22, and informed them that this was a fraudulent card that was opened on my account. They indicated they would note the account. 

Today XX/XX/22 I received a text message that my Bank of America credit request was approved despite their knowledge that this was a fraudulent request.

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 2022-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
For over a year, Portfolio Recovery Associates has been calling me every single day. Early in the morning and sometimes during the weekend. It seems like we are already entering 2 years of them calling me. No matter how many times I blocked the number, they call through a different one each time. They even call in the evenings too. 

My debt already fell off of my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-26 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: MOHELA
State: CT

Complaint narrative:
I am trying to get into my XXXX XXXX XXXX account but none of my passwords work. I tried repeatedly to change my password but to no avail. I then called the XXXX XXXX number and was told by message ( not a human ) that my loan was being serviced by another institution and gave me the telephone number - XXXX. As of now, I have been on hold for XXXX hour and XXXX minutes ( and counting ). I need to get into my student loan account to figure out how to proceed with my student loan and I am at a complete loss as to how to go about that. 

I found this on the web : The Department of Education has announced that MOHELA will be the new point of contact for participants in these programs. The switch from XXXX to MOHELA will likely happen for you later in 2022, according to the department, but you can check your loan or grants transfer status on MOHELAs website. No other changes will take place regarding your loans or grants. 

When I went to the Mohela 's embedded website I got this message : XXXX - File or directory not found. 
The resource you are looking for might have been removed, had its name changed, or is temporarily unavailable. 

Please help me access my loans. Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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