vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Upon servicing transfer of the loan to Mr. Cooper, there was an escrow balance of {$1500.00} with the originator. The originator has given me assurances that {$1500.00} was transferred. However, my account at Mr. Cooper shows a balance of {$710.00} at the time of transfer, which is incorrect. The servicing transfer took place on XXXX XXXX and I have spent several hours with Mr. Cooperss customer service on the phone but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: Paypal Holdings, Inc

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advantage Financial Service LLC (Idaho)
State: ID

Complaint narrative:
Account Name : ADVFINSRVINC ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX Reason : Identity theft Please remove it from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 2nd dispute letters to Equifax, XXXX and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts and did not give consent to furnish any of these accounts on my consumer report. Due to the XXXX  data breach/ identity theft. 
According to 15 USC 1681B ( 2 ) - any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. 
- I have not given the consumer report agency Permissible purposes or written consent to furnish these fraudulent accounts on my report. They are in violation and civilly liable All are being investigated by FTC According to FCRA 605B. This information must be blocked immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
I contacted by phone multiple times and attempted to get information on where and when this debt was incurred. I received no information only that they purchased this debt and I better pay it. I am exhausted from trying to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
My anger is not over the fact that my loan was denied. What I felt was unprofessional and rude was the total lack of communication exhibited by the mortgage company. 
At one point, I didnt even know who we were working with. At first it was this one lady, then the situation got handed over to another lady who didnt even have the sense enough to clear her phone messages! 
The first agent would not even respond to an email I sent her concerning a possible scam situation. Neither would take calls from me or my wife! 
They knew there was a bankruptcy involved, but didnt start asking in detail about it until I had paid for an inspection and an appraisal! 
Finally I called the branch manager, who was just as rude, insensitive and uncaring as his subordinates! Early in the process they give you a closing date. He is quick to claim how high CrossCountry rates with the VA. 
Nearly ten days after the supposed closing date, I finally get a denial letter. I can handle my disappointment, but I feel badly for my wife.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc
State: PA

Complaint narrative:
I received a notice that a medical debt was owed back in XXXX of XXXX. I reached out to the company to advise I had secondary insurance when I received the notice, as I had done with the hospital, when the bill was sent and was told the claim would be resubmitted each time. the claim was never submitted or resubmitted. So the debt is still being reported. I have reached out to the debt collection agency multiple times starting in XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX again in XX/XX/XXXX, asking that the claim be resubmitted, every time I follow up with my insurance company I am informed that the claim has not been submitted. I am now beyond the " timely filing '' deadline, and the debt collection agency is still trying to report the debt as not paid where I could have had the claim paid and paid on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
1.My Name is XXXX XXXX my cash app is XX/XX/XXXX XX/XX/XXXXand my email is XXXX and my phone number is XXXX 2. The date of these transactions is XXXX XXXX And the amounts are XXXX XXXX XXXX and XXXX The first transaction was at XXXX : XXXX and the last one was at XXXX : XXXX 3. The reason Im making this claim is because I never made these transactions I dont know how somebody did but I need my money back 4. I was no instructed to download nothing 5. I have a XXXX XXXX XXXX 6. XXXX New York 7.I never forwarded or gave my Account to anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I sent a letter contesting each of the reasons specified for the credit denial and I got the same exact answers I got on the original denial letter. No further explanations were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I never lived at an address of XXXX XXXX XXXX  XXXX Oh but a midland credit states I did someone used my Information for this debt I filed a identity theft but it was still put in my credit and in collections this is hurting my kids and I it must be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/21 I was buying a new router on the XXXX store and it offered split payments. There was no indication from Synchrony that I would be applying for a credit card at any stage of the process, and it appeared to be more in line with XXXX or XXXX. 

However, I immediately got several emails and notifications alerting me to a credit check, and was then shown a screen that I had been approved for a card. I immediately called the number from Synchrony asking if this had been me to try and get this fixed, they were rudely adamant that there was nothing they could do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
XXXX disputed a account through via XXXX and XXXX however I never reviewed or received any documentation from the agency with my signature. Nor did I give any permission to the credit bureau to talk to to anyone about this! So whom did they speak with during the investigation??? I am DEMANDING THAT THE ACCOUNT IS DELETED FROM MY REPORT. This is a violation of my SCRA rights. In addition to 15 US 1692d1, 15 US 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In XX/XX/2021 I reported fraud on my credit card with Wells Fargo. My card number was reissued and I received a new card in the mail. Shortly after that I received convenience or " super '' checks with a promotional offer of 0 % for either a year or 15 months. I decided to make use of one of those checks by depositing into my account ( not with Wells Fargo ) and wrote a few checks on the money in that account thinking nothing of it. Several days later I receive notice of overdraft and returned item fees relating to the check being counterfeit. I call my bank and explain that there's no way the check can be counterfeit because it's drawn on a credit line from Wells Fargo. They told me I needed to get in contact with Wells Fargo and I did. At my first point of contact I was told that the checks I'd received were attached to the old credit card and therefore unusable but that I shouldn't worry because it looked like the marketing department printed new checks for me and they would be sent shortly. After waiting for close to a month I called Wells Fargo back to let them know I'd never received the checks and to rehash the situation. It occurred to me during that call that when I received the previous checks AFTER receiving a new card that those checks were sent with no utility constituting deceptive advertising and a misleading offer. The reps that I spoke to acknowledged on a recorded line that this was indeed their mistake and that they apologize but have yet to correct this issue offering me only options that force me to open an account with them. This situation has not only had an impact on my time spent trying to get a resolution but also on my finances as I incurred an overdraft and returned item fee. I've asked several times for a manager-level employee to reach out to me, I've reached out via social media, and have been committed that not only were my concerns and time urgency documented but that someone would call me. I've never received one call. The only outreach done was a letter sent to my address telling me the very thing I learned within 15 minutes of my first call and that was that the checks I'd received were attached to the old account number and therefore not usable.

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 2021-07-21 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: GUARANTEED RATE INC.
State: IL

Complaint narrative:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( Guaranteed Rate ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, XXXX and XXXX. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I'm made an agreement with IC Systems to settle an account. I spoke with three different people and all assured me on a recorded line that the collection would be removed from my credit report within 30-45 days of the account being settled. I made The last payment on XX/XX/XXXX, on XX/XX/XXXX, IC Systems closed the account which now shows as " Settled-less than full balance ''. I have the names of the three individuals that I spoke with written down at home but I can remember one name off the top of my head, XXXX XXXX. I feel that I was like to and give him false promises to collect this amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

Account Name : XXXX XXXX Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : US DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$530.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  AMOUNT : {$14000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: GA

Complaint narrative:
The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD without question someone has assumed my identity. 

Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$1100.00} Reason : Account is fraudulent Account Name : US DEPT OF ED/XXXX  Account Number : XXXX AMOUNT : {$10000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$530.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$2800.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX  Account Number : XXXX AMOUNT : {$150.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX  AMOUNT : {$14000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$190.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX AMOUNT : {$220.00} Reason : Account is fraudulent Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX AMOUNT : {$2200.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: MD

Complaint narrative:
Speedy cash said I owe {$970.00} on a loan I never took out. The company has no record of the loan and told me someone is using their name. I delete the emails but after a couple of months it comes back. The case number is XXXX. They want me to use this email to respond : mailto : XXXX. Email sent from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: IL

Complaint narrative:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau Transunion, XXXX and XXXX. I only got response from XXXX but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as XXXX provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21 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: IL

Complaint narrative:
I have requested pre-approval letter for my mortgage. I have permitted my lender to run credit inquiry for that and he ( XXXX XXXX ) ran credit one time on XX/XX/2021 ( XXXX XXXX ). But on my report one more inquiry shown on XX/XX/2021 which I did not authorized and it was failed somehow. So, I tried to contact all three bureau XXXX, Equifax and XXXX. I only got response from Equifax but I am not satisfied with their answer. However, I did not get response from other two reporting agency and its hard to reach them and also they don't provide service online as Equifax provide. So, my ultimate goal is to remove unnecessary wrong inquiry from XX/XX/2021 and keep from XX/XX/2021 which is valid. 
My other half ( my co-borrower ) and I requested pre-approval letter same time and we both faced same issue. XXXX removed inquiry from his report and waiting for other two to remove from report. So, I tried to reach directly to them to resolve issue without complaining on this platform. But it was really really tough to reach them over the call.

Company response to consumer: Closed with explanation