vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I called Mr Cooper regarding 2 past due payments in which I requested a repayment plan. My repayment plan was developed and approved then told as long as I made the payment by the end of the month I would be ok. My repayment payments are XXXX from XXXX - XX/XX/XXXX and XXXX payment was successful. On XX/XX/XXXX, I made my payment of {$670.00} and cleared my bank on XX/XX/XXXX. Due XXXX XXXX deceptive practices, I monitor the mortgage account 3-4 times a month. OnXXXX, I reviewed the mortgage account only to find they made reversal starting XX/XX/XXXX. In addition, approved in XX/XX/XXXX was canceled without any notification from them. My XX/XX/XXXX payment was reverse and Mr. Cooper where they told me several reasons that did not make sense. Then it reflected there is a payment due XX/XX/XXXX in the amount of {$710.00}, a reversal for {$670.00} and {$530.00} ( did not process a payment for XXXX ) Mr. Cooper states they do not know why payments were reverse because there werent any notes. Ive gotten 3 different answers none of which makes no sense. The tactics that being used to affect my mortgage payments, to foreclose and stress me into selling my home to cease and desist. I would like to stop receiving calls from XXXX XXXX to sell my home. I have been in my home over 45 years and would like stay in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Contacted the department of education they stated my account is in good standing, however my credit report have a negative derogatory score. The Department of Education told me to write the Consumer Finance Protection Bureau. So they can notify the credit bureaus.

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 2021-07-06 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: MN

Complaint narrative:
Contacted the department of education they stated my account is in good standing, however my credit report have a negative derogatory score. The Department of Education told me to write the Consumer Finance Protection Bureau. So they can notify the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MN

Complaint narrative:
Contacted the department of education they stated my account is in good standing, however my credit report have a negative derogatory score. The Department of Education told me to write the Consumer Finance Protection Bureau. So they can notify the credit bureaus.

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 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, I applied for Chase Credit Sapphire Credit Card. I was promised - XXXX joining bonus points as part of the offer but its no honored. I am not getting any clear answer from the credit card company as well. This is purely fooling the customer. Bank Chase never gave receipt of the online application via email and via submitting it on its website. So there is no way i have proof to showcase that i signed up for the offer. This is a clear case of misleading and fooling customer so i can not fight back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am a landlord. In late XXXX and early XXXX tenants sent me money via my cashapp account. It did not deliver. When I called the person there said I should delete the account and start over. When I did I was frozen out of my account. I got a loop in the app which would not allow me to login with my name. 
I need this money which is XXXX. 
My cashapp account was my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have multiple inquires on my report from XXXX. I have contacted the reporting companies and they told me to contact Transunion. I have repeatedly disputed with Transunion about these unauthorized inquires and they have yet to provide proof to validate these inquires or offer any type of assistance to resolve this matter. I can verify the current inquires from XXXX as I have recently been approved for a new car loan, yet the invalid nonfactual inquires from XXXX remain on my report after hours of waiting on hold and being transferred with no help from Transunion. This is illegal and affecting my credit. this company has too much power within itself an causes harm to the consumers in which they profit off of

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 2021-07-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
XX/XX/XXXX payment-On time XX/XX/XXXX payment-On time XX/XX/XXXX payment- On time XXXX XXXX showing 30 day late XX/XX/XXXX payment-On time XXXX XXXX showing 60 day late XXXX XXXX-showing 90 day late XX/XX/XXXX XX/XX/XXXX {$700.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XX/XX/XXXX {$280.00} pd from checking XXXX XXXX showing 30 day late XX/XX/XXXX XXXX {$280.00} pd from checkinXX/XX/XXXXshowing 30 day late XXXX XXXX showing 60 days late XXXX XXXX-showing 90 day late XXXX XXXX showing 120 day late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AZ

Complaint narrative:
I created an account to monitor my credit and was surprised to see a collection from Helvey & Associates which dropped my score significantly. My grievance with this collection is that I received no phone call ( s ) or contact via USPS mail to confirm this collection is mine or valid ( FDCRA ). Due to this, I did not obtain the full statutory period in which to dispute the validity of the debt in question as I did not receive any initial notifications regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: MD

Complaint narrative:
I noticed recently as I pulled my credit report that there were some accounts that did not belong to me I have reached out to each creditor via phone and I have not got these issues resolved as of yet. These accounts are clearly in violation of my rights so I am seeking reparations for the damage and pain it has caused me and my livelihood.

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 2021-07-06 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Around 2001 I assisted to XXXX XXXX XXXX in XXXX XXXX. I paid a portion of my education monthly. However when I log in with my social security number to my federal account someone elses name appears on my account. I asked on many occasions for this to be investigated without results. Apparently someone else used my social security number to pay for their education. I have contacted all credit bureaus with pertinent proof and nothing has been investigated. This is affecting me in all ways posible on my personal life. The school I attended closed permanently and I have not received any help from anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Fraudulent Account in my Credit Report : XXXX XXXX XXXX XXXX ( Three Accounts ) XXXX XXXX  XXXX XXXX XXXX XXXX This Account is Not Mine and They are affecting my credit

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 2021-07-06 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
I have these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX  1. Identity Theft BARCLAYSBK Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft BARCLAYSBK Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX  Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX  Account Number : XX/XX/XXXX This is not mine.

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 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/2021, I had paid The XXXX XXXX {$360.00} for a hotel room in which Wells Fargo had placed a hold on my account and I had it cleared and saw the amount taken out of my bank account with no issues. to fast forward to today, XX/XX/2021, I saw that they had taken another {$160.00} from my bank account, causing my account to fall to XXXX when I called their banking center, their representative gave me an excuse that it wasn't their fault that it took over 7 days to process when the money was taken out of my account and refused to further assist me. now I'm in a deeper hole as they will charge multiple overdraft fees, bringing down my account further. I have turned to the CFPB for help because I know that Wells Fargo will not help me any further and I have lost all faith in 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 2021-07-06 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed these accounts on my report because they were inaccurate. I sent out a letter on XX/XX/2021 and it's been 60 days!!!! Since I've received a response. I sent out another letter XXXX CERTIFIED and I still haven't received a response. You are in direct violation of the fair credit reporting act and these accounts must be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Since XX/XX/2019 for last 2 years, I have been trying to modify this loan. Each time, I sent documents for modification, they will come up with something else. Either Signature is missing or sent the lease, got back to me after weeks that the lease needed to be dated under the signature panel even though the lease has been properly dated. Meanwhile the automated system is keep saying, my application is pending review and no further documentations are needed, which is purely misleading as I found. Because of that, I have lost few more months just by thinking my modification is just going fine. The 2nd issue with this company, they are keep telling me to submit the lease for the property that I am trying to modify. I have told them 5 times to different rep that I this is the primary residence and there is no lease on it but I had to explain them in 5 times which cost me another 2 months. 
At this moment, I am reaching out to this department because I strongly feel that this bank is intonationally doing this NOT TO GIVE ME THE MODIFICATION AND TO TAKE MY HOUSE SO THAT, THEY CAN SELL THIS ON AUCTION WAY MORE THAN THE MONEY I OWE TO THEM. I therefore am asking this department to step up and to help me to keep my home. Thank you!

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 2021-07-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have tried to contact my mortgage company to apply for a forbearance, they don't answer the phone, or return any email or phone messages. When you click on the page on there website, it won't open. They only have one phone number, and don't list a mailing address. I contacted Veteran 's Association, and the suggested that I contact you as well.

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 2021-07-06 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: SC

Complaint narrative:
I disputed items off of my credit report due to inaccurate information to all credit bureaus. Neither one of these credit bureaus responded in 30 days, nor did they provided proof of the accurate information. I've sent them 2 letters and no response have been made

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Hello, I have this XXXX  / SYNCHRONY BANK credit card since XX/XX/20. I paid {$100.00} every month and used this card for {$1900.00}. I was so amazed that they charged me {$1000.00}. Please see attachment below for your review. This company is killing the consumers.

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 2021-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I am very unhappy with the credit bureaus. They are not doing their job at all. Back in XXXX of this year I submitted disputes with them on collections that should not be on my reports. XXXX XXXX is past 7 years on both accounts. XXXX XXXX XXXX XXXX should have never been on my report that was reported in total error, XXXX XXXX XXXX XXXX. I do not owe them any money since the place was already lease before I even move out.. I do not understand why this is XXXX and I still have not heard a word from any of the bureaus regrading these issues. The disputes I sent were very clear on what I wanted done and who they were what more do I have to do to get this resolved?

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 2021-07-06 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: ND

Complaint narrative:
I am very unhappy with the credit bureaus. They are not doing their job at all. Back in XXXX of this year I submitted disputes with them on collections that should not be on my reports. XXXX XXXX XXXXs past 7 years on both accounts. XXXX XXXX XXXX  XXXX should have never been on my report that was reported in total error, XXXX XXXX XXXX XXXX. I do not owe them any money since the place was already lease before I even move out.. I do not understand why this is XXXX and I still have not heard a word from any of the bureaus regrading these issues. The disputes I sent were very clear on what I wanted done and who they were what more do I have to do to get this resolved?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc
State: FL

Complaint narrative:
Chime Bank took about {$7000.00} from my account with no explanation. Ive tried everyone and everything. Ive submitted countless complaints to FDIC, Chime & Other companies who claimed to help or would have a solution and some never emailed or called me back. So Im left with more questions than answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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: NV

Complaint narrative:
The problem is with them THE CREDIT BUREAU - EQUIFAX They double billed me. 
I called to complain They made me answer 30 questions to " verify my identity ''. 
They apologized 10 times but never got anything done. 

Made it horrible to cancel the monthly plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I closed my account with American Express Serve last year and they allowed an transaction to go through this year on XXXX the XXXX 2021. I still haven't received the check that was sent last month. I want answers to how this happened and how many more people was affected in this way. Was it a breach and not reported to the government? American Express refused to give me any documentation on my account or this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Due to the fact that my Identity was stolen a fraudulent account was opened up with Barclays. I have a police and FTC report in regards to being a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06 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:
Hello, I kindly ask you to delete these accounts because I do not recognize them and they are not mine at all. Suddenly they appeared in my profile so basically this is an error in reporting or I became a victim of identity theft. I do not accept it because its killing my score. SO 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 2021-07-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Around XXXX, I was having financial difficulties but I found about my XXXX XXXX account gone into collections by checking my credit report. I contacted the debt collector, ALDOS sometime in XX/XX/XXXX. I paid the balance in full. I tried to ask them for in exchange for paying the debt in full to remove it from my report. They told me it could not be done. I paid them in XX/XX/2020 because I was working on improving my credit report and score. I am even working with a financial advisor to help facilitate this goal further. 
Since the balance has been paid in full. I would like to have this removed from my credit report as it is having a negative impact on my score and history. I am trying to move forward to correct my mistakes during a difficult time for me to support myself financially.

Company response to consumer: Closed with explanation