vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MD

Complaint narrative:
My current Mortgage Servicer, PennyMac, escrows my taxes and insurance. I noticed on my county tax assessors website that there was an outstanding bill in XXXX of this year. I called into the Customer Service line and was told that all taxes due would be paid by PennyMac from my escrow account in XXXX of 2021. I checked to make sure that my taxes were paid in XXXX and noticed that they had not paid the bill from XXXX and had only paid the taxes a new, more recent bill. They had skipped over the original tax assessment. I then called the county tax assessor for clarification and was told by them the the bill was overdue and collecting late fees/interest and that the mortgage servicer should have paid the bill when it was due. 

I then called back into the Customer Service team at PennyMac and was told that while they do escrow for taxes, that they don't verify that my taxes have been paid and said they are not responsible for paying the taxes since my home was a " New Construction '' home. 

I have now incurred more late fees/interest but PennyMac has finally disbursed the overdue taxes from my escrow account. However, they took out additional funds to pay the late fees/interest even though it was PennyMac 's error for not paying the taxes on time. I'm asking that they pay the fees and interest and place those funds back into my escrow account. 

Also, they have gone back and forth on this issue. When I brought up that there was a tax bill, I was told by Customer Service that they would pay the bill. Then in XXXX they did not pay the taxes and was told that it was my responsibility as a homeowner. Now, they have recently disbursed funds from my escrow account to pay those taxes. If it wasn't there responsibility to pay then why did they finally pay the taxes after I filed a complaint? 

I have attached PennyMac 's response about paying taxes on " New Construction '' homes. With the amount of new home sales in the past year, I would imagine I'm not the only customer that has had issues with taxes not being paid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
Collection agency contacts my phone multiple times daily from different spoofed numbers. Today, an agent called my phone, left a voicemail, then proceeded to call my wife 's phone. On that call, the agent disclosed private information before verifying they were, in fact, speaking to a right party. As a debt collector myself, I know it is a violation of the Fair Debt Collection Practices Act to disclose information to ANY party before first verifying that they are speaking to the right party by confirming one private information ( such as date of birth or last four of social security number ) and/or a second piece of private or one piece of public information ( i.e. address or phone number ). They are then required to inform that it is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Also, in the state of NY, they are also required to inform spouses that, although a spouse can discuss their spouses debt, the spouse is not personally liable for said debt. None of these actions were taken on the call to my wife on XX/XX/21. The person asked if they were speaking to my wife by first name only, then proceeded to state that they were looking for me and that they wanted me to call them about a debt to discuss a settlement option before they took legal action. The same company then called my phone minutes later leaving their standard voicemail. The woman then called my parents phone looking for me. Four calls within an hour is definitely harassment according to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chaplin & Papa, P.C.
State: MD

Complaint narrative:
On XX/XX/2021, I spoke with a representative by the name of XXXX at this location and she stated that I had a judgement of more than {$60000.00} for a default judgement that is not in the court system and has never been in the court system. This representative was very disrespectful and let me know that they could do what they wanted because I never showed up in court. I had been improperly served and will be disputing this in the general court system. She also stated that I not taking my responsibilities serious and is the cause of the balance happening. She also included that they can find me and garnish my work checks.

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 2021-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I applied to Barclays credit card and I am over qualified to be accepted but they denied me and said I had bad history with Barclay bank in which I never did.

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 2021-09-09 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: AES/PHEAA
State: IL

Complaint narrative:
TWe have been caught up in the MyFedLoan program for years. Finally, in XXXX, we received a notice that we have made 152 Qualifying payments, which is more than the 120 required, and that we have no more Qualifying payments to make but our loan still has a Balance Due- can you help us to get them to XXXX the discharge before Fedloan quits? Thanks you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: DriveTime
State: NJ

Complaint narrative:
I have know knowledge of this account and that you did not authorize the reporting of this account on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: LEXISNEXIS
State: FL

Complaint narrative:
PLEASE REMOVE THESE ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT THEY DO NOT BELONG TO ME XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Closed. {$310.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$19000.00} Status Account charged off. {$19000.00} written off. {$19000.00} past due as of XX/XX/XXXX. XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$3000.00} Status Account charged off. {$3000.00} written off. {$3000.00} past due as of XX/XX/XXXXXXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5000.00} Status Collection account. {$5000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Collection account. {$1000.00} past due as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I purchased a XXXX ft ladder thru internet paying with credit card .I disputed charges, they state that they have tracking that item was delivered. I never received any tracking information nor did I received the XXXX ft ladder. 
I pray that you help with this case & refund money .transaction amount {$64.00} transaction date XX/XX/2021 resolution denied

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 2021-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
This is a report of Identity Theft and fraudulent loan initiation by XXXX Prior to these events I had no awareness of or relationship with the company XXXX XXXX called my wife at XXXX XXXX  Monday XX/XX/XXXX to verify a loan request, she told them it was not a valid request. 
Shortly after, I received an email saying the loan had been approved so I called the XXXX customer service number to discuss it - XXXX XXXX I talked XXXX XXXX and explained that that any account on the site was fraudulent, and not created by me. He refused to help me unless I provided PII so I hung up. 
I logged into their web site, did an email password recovery and saw that there was a profile for me with a Loan ID : XXXX approved for {$1400.00} principal with a {$6100.00} payback amount over 6 months. 
I sent an email to XXXX notifying them that the Loan ID was fraudulent. 
I logged into the three credit agencies and put a freeze on my credit report. 
I then called XXXX XXXX and provided the Loan Number # and explained that it was fraudulent. I talked to XXXX, escalated it and as passed to XXXX in the Resolution dept. I explained that this load request was not made by me, is fraudulent, that the funds were not being sent to an account I control, and they needed to stop the fund transfer but they refused to do an immediate block on the transfer. 
She reminded me that the call was being recorded so I asked for a copy of the recording. She said she would put a note in the file with my request. 
XXXX recommended I send an email to the customer service email address- which I had done 30 minutes before but she said she could not locate. I resent the message. She then requested that I file a police report and send it to the customer service dept. and it would be reviewed in the next 24 to 48 hours - and then a determination would be made on whether to stop the funds transfer. 
I filed a report on this incident with the XXXX XXXX Police XXXX : General Information Incident Type Identity Theft Tracking Number XXXX This information was forwarded to the XXXX customer service email. 

On Tuesday XX/XX/2021 I called XXXX to confirm they had the emails from me and asked them to stop the funds transfer. I talked to " XXXX '' and he asked for a police report and indicated it would take 24 to 48 hours to review the information. I escalated and was transferred to " XXXX '' who I said they could not find the police report in my emails, so I sent it again. 
They reminded me that the call was being recorded so I asked for a copy of the call recording. 
" XXXX '' indicated that the load ACH transfer had taken place that day so it was not possible to stop it. 

XXXX XXXX Routing Number : XXXX Account Number : XXXX Account type : Checking

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
Collection Account was added to my credit report and I have not received any writtten notification, which violates my right to dispute and request debt be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: V and H Portfolio
State: FL

Complaint narrative:
XX/XX/2021 I've sent a dispute letter to all 3 credit bureaus on incorrect reporting collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
XX/XX/2021 I've sent a dispute letter to all 3 credit bureaus on incorrect reporting collection on my credit report.

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 2021-09-09 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: Global Lending Services LLC
State: NJ

Complaint narrative:
I have know knowledge of this account and that you did not authorize the reporting of this account on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: Westlake Services, LLC
State: NJ

Complaint narrative:
I have know knowledge of this account and that you did not authorize the reporting of this account on my reports

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have sent letters in XX/XX/XXXX-XX/XX/XXXXasking all credit bureaus to update my name and address and they have yet to do so.

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 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Collection Account was added to my credit report and I have not received any writtten notification, which violates my right to dispute and request debt be validated.

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 2021-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Wakefield and associates XXXX reported to XXXX XXXX XXXX and XXXX Sent Id theft report along with police report XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I have attempted several times to dispute collection accounts from Professional Credit Management of XXXX Arkansas  for medical collections on my credit report that are not mine. This is also a HIPPA Violation. I have requested that they send me a copy of the HIPPA form showing proof that i signed it and they failed to do so. This needs to be removed from my XXXX report immediately! There are 4 accounts on my report from this company that are in violation of the HIPPA Law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a dispute to Equifax on XX/XX/2021 because multiple accounts should have aged out. Both XXXX and XXXX have acknowledged that and removed the items from my report. Yet, Equifax swears that the dates they have are accurate. If they were accurate, why would these accounts come off of the two other credit bureau reports? I don't trust that the report they sent me on XX/XX/2021 ( the dispute results ) and would like them to either remove the aged out accounts or provide better 'proof ' that they verified the dates. Or are they implying that they know better than both the other bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have sent letters in XX/XX/XXXX-XX/XX/XXXXasking all credit bureaus to update my name and address and they have yet to do so.

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 2021-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have sent letters in XXXX-XXXX  asking all credit bureaus to update my name and address and they have yet to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 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: NJ

Complaint narrative:
HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( TRANS UNION, XXXX, XXXX ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.

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 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: NJ

Complaint narrative:
I began refinance with Flagstar Bank in XX/XX/2021. The loan officer, XXXX XXXX pressured me to start the application process assuring me that it would be completed by the end of XXXX since my current mortage is already with them. It was assigned to XXXX XXXX for processing. Both " ghosted '' me for several weeks until finally I reached out at the end of XXXX when I noticed that the rate lock in was due to expire on XXXX XXXX. XXXX claimed that they did not receive my banking statements which I thought I had uploaded very early in the process in XXXX. They never notified me that it was missing. In a conversation with XXXX he contradicted himself saying both he " had to submit it to underwriting '' and that it " was submitted to underwriting. I suspect he dropped the ball. I suspect that I am being scamed because they have been dragging their feet so that I will have to pay an additional month at the higher rate mortgage - XXXX. is now due! Despite telling both loan officer and processor several times that I do not want homeowners included in escrow, the paperwork indicates that it is still included. Today XXXX called claiming he needed my bank statements and said they have " expired '' then he said he never received them. How could they expire if he never received them? On XX/XX/XXXX I had uploaded to portal, he claimed he could not see them and said that I had to call their tech department to find out why HE could not see the documents and instead he wanted me to send personal banking documents directly to him in a personal, not secure, email. That is not the customer 's job it is his. It has taken as long as 6 days - or sometimes never - to get responses to my emails and I only get responses when I call supervisors. This company is a fraud.

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 2021-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: AR

Complaint narrative:
Its Nationwide Credit & Collection Inc. They call from XXXX and text from XXXX. I am receiving multiple calls and texts that ask for verification of identity before they share info. They call 3 to 5 times a week and now have started texting. I pay all my bills and have no idea of any debts owed. They act threatening and say since I wont share identity verification I can just wait for the mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I had really rough XXXX-XXXX. I lost my job with XXXX and had extreme difficulty locating a new position due to covid. As a result most of credit cards charged off. I have been working tirelessly to pay off or settle etc. This store- i assume- has gone out of business making it extremely difficult to reach anyone at synchrony to discuss account details. Each time ive called ive been on hold for over 15 min then the line disconnects.

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