vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
My mortgage, loan number XXXX ( under XXXX and XXXX XXXX, my grnadparents, with me as an authorized user ), originated with XXXX XXXX XXXX and then transferred to XXXX  XXXX XXXX, was finally purchased by NationStar / Mr Cooper years ago. When the mortgage transferred from XXXX  XXXX XXXX XXXX NationStar / Mr Cooper, I picked up the new Mr Cooper lien, but the old XXXX   XXXX XXXX XXXX was never removed by Mr Cooper, who is under jurisdiction to remove the lien according to XXXX  XXXX XXXX. I contacted a Mr Cooper a month ago to remove this lien and they said they would pass the request onto their research department, who I could not speak with directly. After waiting a month for a response, Mr Coopers research department finally responded to me via email only referencing the Mr Cooper lien, not the XXXX XXXX XXXX lien. So, after a month and probably 15 calls to Mr Cooper to follow-up, it turns out they did not even get my request correctly. This is gross incompetence and I need assistance in getting this resolved, so that I can more easily refinance this loan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, a negative debt collection was added to my credit report for {$39.00}. On further investigation, it was related to a cable modem I'd returned a year earlier when I moved from XXXX  to Georgia. XXXX XXXX XXXX XXXX had told me that I could return the modem at any XXXX  even when in XXXX. This turned out to be false. At the time their website was experiencing issues and no one over the phone would give me any information. My account is still mangled and I pull the wrong account number when I go to their website. To this day clicking on any options off the main screen yield an error ( multiple browsers, multiple computers, multiple networks ). I most likely wrote this number on the package. I returned the modem at my own expense. Note that they were charging me XXXX XXXXmo for a modem that was worth apparently {$39.00}. I used it for over 6 months. 

I DID have my mail from my old address forwarded by the post office. Spectrum made no attempt to contact me on my email which they had, mail or other means. After about a year, they decided to send me to collections. To this day it still says I owe {$0.00} on their website. When I called them they promised to " investigate '' but said they won't allow a bill dispute for a bill over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to Equifax, XXXX  & XXXX. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: LA

Complaint narrative:
XX/XX/2020 i noticed accounts on my report that didnt belong to me. I immediately sent in a dispute to XXXX, XXXX  & Experian. 

I didnt hear back so I sent the dispute again on XX/XX/2020 Today is XX/XX/2020 and I still havent heard back from these companies.

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 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I applied for a conventional home loan with Wells Fargo on XX/XX/2020. Wells Fargo reviewed my information and gave me a pre-approval letter. 

I have two jobs but I started on one of the jobs in XX/XX/2020. I specified the start date accurately in the application. I also specified this in one of my email communications with the Wells Fargo home loan consultant. 

In spite of this they decided to go ahead with the loan. Finally when it came to underwriting, they declined to approve the loan saying that they can not take into account secondary income. 

However they have not made any official decision to this day. They do not respond to emails or phone calls. I spoke to a different home loan consultant and was informed that the application is in decline review. It has been in that status for 4 weeks. 

Meanwhile, I the seller has not released the ernest money deposit saying that they can not do so till they see the decline letter from the bank. 

Please ask Wells Fargo to either approve the loan or provide a decline letter ASAP. 
My money is held up.

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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Am in the process of stopping the use of the account due to pncs ineptitude. Forgot to switch one of my accounts and funds went over, I transfer from my other and account and they said it was complete but the funds did not appear in my pnc account. I went to pnc to physically transfer money from accounts. They had no issue charging me a fee to withdraw money from my other bank, but would not allow me to deposit money in my pnc account. I went to the inside atm and the same issue, you can not deposit cash. They will probably, again, charge me a overdraft, but this is the issue, I can not deposit money into my account, so I can not logical see how one is supposed to deposit money. Some people work during the 2 hrs the bank is open during the day. When they block the only option to actually deposit money that is very predatory. Not to mention the blockage of linking accounts and transferring money with third parties. They dont want to spend money on real security so they block customer access. Shameful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I previously reported this problem with the mortgage company to the XXXX XXXX XXXX to no avail. My issue is that our mortgage was sold to this company and ever since our mortgage has gone from {$700.00} to {$1000.00} with only {$180.00} or less going toward our principal. I dont see how this is legal and I dont understand how we get penalized for trying to keep a roof over our heads. We were not given a choice of lenders to choose from when our mortgage was sold so there was no other contract to sign but this one. And no one else will take the loan because of the amount owed compared to the value of the home. Im just looking for someone to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I added {$1300.00} to my Square cash account to buy bitcoin and hours later my account was frozen and i could not csh out my money in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I made a payment to my Capital One Quicksilver credit card in the amount of {$490.00} the same time I made a payment to my Capital One Platinum credit card in the {$470.00}, making the payment from my Capital One checking account. My payment for the Platinum card posted the same time as the payment for the Quicksilver card on XX/XX/2020. However ; the funds availability for my Quicksilver card was placed on " hold '' for 8 days making funds available on XX/XX/2020. Funds for my Platinum card were made available right away. When I called Capital One to inquire about when funds would be available, I was told the hold was placed because they don't know if the bank was going to clear it or not. I explained that my checking account is with Capital one and the transaction has been posted already. I was then passed from representative to representative ( 5 total ), until I asked to speak to a supervisor. The supervisor explained to me that they are not removing holds anymore as it was " a courtesy to release the funds '', that they no longer provide. I asked how can they do that especially since it was coming from a Capital One checking account and the other credit card I have with Capital One has had release of funds. The supervisor, who would not give me her name when asked and provided a title of Sr. Account Supervisor, stated that several things can place a hold on an account, to which I asked, well out of those several things what is the reason for the hold on my account. She did not answer. I said there is an emergency situation and I need the funds, she said sorry I cant release them. I asked under any circumstances can you release the funds, she said I can but I cant advise you of them. The entire process took 3 hours and I am still having wait for my funds to be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a payment on XX/XX/XXXX in the amount of {$200.00} to settle the account. The confirmation e-mail I received clearly states that the amount settles my balance. Yet, Capital One is reporting I still have a balance of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank XXXX XXXX is showing as a negative account on my credit report. Please correct this account immediately as it is currently harming my credit. Notes indicate this was included in XXXX XXXX erroneously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-04 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was sent an email on XX/XX/XXXX, but not just an ordinary email but to my school email. The scammer basically told me that he was a professor teaching disabled students abroad, and was in need of an assistant until he got back home ( XXXX ). The pay seemed nice and so I accepted the offer. On XX/XX/XXXX he had sent me a ( fake ) check of {$1900.00} to be deposited in my bank and I was to help pay for a security deposit of {$1400.00}. On XX/XX/XXXX I deposited the check, and on XX/XX/XXXX I sent two cashapp payments of {$400.00}. On XX/XX/XXXX I sent two payments off XXXX . Everything seemed normal until today XX/XX/XXXX my bank was in the negative {$1100.00}. I called my bank today XX/XX/XXXX and they told me that since I had already deposited the check and they gave me the money there's no way I could get the money back. They told me to resort to the police.

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 2020-06-04 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
XX/XX/20 talked with XXXX XXXX # XXXX and XXXX and confirmed the month of XXXX is reporting incorrect. further, XXXX  and XXXX  are reporting different months for same accounts as being delinquent. i am constantly working with these agencys, and am not satisfied with results. 

also, there are to many inquiries happening on my accounts with these two agency that i have not approved of. this morning XX/XX/20, i got a call from a mortgage lender who tells me that someone ran my credit report for mortgage lender, and she can provide a good interest rate base of my credit score. the telephone number is ( XXXX ) XXXX i did not authorize for anyone to run a credit check without my consent. 

lastly, XXXX  does not allow for me to unlock my credit report because i have not paid for their service. i must pay first to be able to unlock my account for lenders that i chose to view my report. i am being denied loans because XXXX  failed to provide the service.

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 2020-06-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
I contacted PHH Mortgage to pay off my delinquent HELOC and no one has been able to help me. They transfer me constantly and tell me " emails have been sent '' but there has been no resolution for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I filed a partial dispute of {$160.00} overcharge of NC state tax by XXXX  on XX/XX/XXXX for a vacation purchase made on XX/XX/XXXX for {$2200.00}. It was found in my favor on XX/XX/XXXX and closed by Capital One visa. XXXX cancelled the entire reservation on XX/XX/XXXX and promised a refund in 5 days. No refund in 2 months from XXXX. I called Capital One visa and tried to dispute the {$2200.00} the owed me and XXXX did not provide. Cap 1 told me I could not change the amount or refile a dispute on the same transaction. I am still looking for my refund from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
In late XXXX, I was contacted by KLS Financial claiming I owe them {$660.00}. At first, I thought it was a scam and hung up the phone. After thinking and looking up the company on XXXX I saw they were a real company so I called back. They informed me they were trying to collect a debt. The address they gave me was not my address. I told them to send me validation of the debt to my address not just verification of my mailing address. On XX/XX/2020 after seeing they put the account on my credit reports and them verifying my disputes with the credit bureaus as valid, I sent them the attached debt validation letter asking for a contract with my signature and proof from the original creditor they are allowed to collect on the said debt. They sent me a contract with a signature that is not mine. On XX/XX/2020 I sent them a notarized letter with my signature. I signed the letter in front of the notary public as legal proof that is my signature. They reply was they are not signature people. Then, they tried to tell me the signatures look the same. On XX/XX/2020 I once again asked them for the contract with my signature and the name of the person who at XXXX XXXX  who verified that I owed the debt because I have not been able to get anyone at Howren music. Kls Financial has yet to send me a valid contract with my signature agreeing to this said debt. KLS Financial hasnt sent me any paperwork from the original creditor which says they can collect on this said debt.

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 2020-06-04 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
With an XXXX credit score, I had a XXXX XXXX XXXX credit card that I paid in full monthly for 13 years. Today I received an alert from my identity theft company that my account was suddenly closed. I called the number on the back of my card and reached a non-US call center with a supervisor who didnt know why my account was closed - all he could do was re-open my account! A debt settlement has been put on my Experian credit report. I DID NOT negotiate payment of debt for less than what is owed. I pay my full balance monthly on all my credit cards. No one at XXXX can give me the contact information for who closed my account and reported this error to Experian.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These accounts are not mine, nor are the names & addresses listed on file, nor did I authorize these companies to pull my credit. Please remove 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 explanation
Consumer complaint received 2020-06-04 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
This account was reportedly closed in 2015 and continued to report for 3 years and still appears on my credit report 5+ years later.

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 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
These accounts are not mine, nor are the names & addresses listed on file, nor did I authorize these companies to pull my credit. Please remove 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 explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These accounts are not mine, nor are the names & addresses listed on file, nor did I authorize these companies to pull my credit. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This is not a duplicate. My complaint is that Capital One is lying in their letter of XX/XX/2020. They are claiming that the issue has been resolved and it has NOT. 

Please CFPB do not close this case until it has REALLY been resolved, not just when Capital One says it has been resolved. 

Capital One obviously did not read my response - despite what they say, I am still NOT able to log into my account. " Capital One 's letter dated XX/XX/20 states that " Our records indicate that you were able to reset your password on XX/XX/2020, and you successfully accessed your account on XX/XX/2020. '' Yet Capital One 's letter dated XX/XX/20 states that " It appears that the account ending in XXXX is not enrolled for you to have online access '' and " We have confirmed that the system issue that prevented you from logging in on XX/XX/2020, has been corrected. " This is two conflicting statements in a single letter - first they state that the problem is that my card is not enrolled in online access, then they state that the problem is a system issue. And the 'system issue ' has NOT been solved, as I am still unable to log in and get the same screen when I try. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Greystone Alliance LLC
State: TX

Complaint narrative:
After making 3 years of good payments at the apartments XXXX I was living in # XXXX, just leaving the Dealership to pursue my event goals, and was upfront about not renewing my lease. After i moved out, cleaned and left the key for inspection, i moved XXXX. I noticed after i got into a new apartment for another couple of years i saw that there was a deragragoty on my credit. someone took my info, or the apartments may have thought is was me and charged me for a couple months remaining? i would have never broken my lease by 1 month..

Company response to consumer: Untimely response