vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-27 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: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
I do not have a debt with this company. I have sent in multiple debt verification letters to no avail. I demanded that they stop reporting invalid information on my credit report and they continue 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 2020-04-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Amsher collections tried to charge my bank account on XX/XX/2020 for {$250.00} without any of my permissions. I can not believe this company would try such an action. Im filing this complaint so no more action is taken upon by this company to me and that this is taken care of as soon as possible as I will file a complaint and sue this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: NV

Complaint narrative:
PNC received final payment for loan number XXXX On XX/XX/2020. PNC stated it does not know if lien release has been sent and that it has 25 days to release its Item. The days have expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is refusing to remove a inaccurate bankruptcy on my report. I have asked for verification etc and they continue to send me an automated email saying that it has been verified. I have contacted the bankruptcy court transunion is saying they verified through and they confirmed that they DO NOT verify bankruptcy and there is no way that the credit reporting Transunion has legally verified this bankruptcy.

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 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
Please accept the following as both a formal complaint against PHH Mortgage and as Notification of Intent to Defraud ( Fraud, Theft or Intent to Defraud ) by unscrupulous mortgage holders that has come to my attention during the COVID-19 crisis. 
Due to the crisis I contacted PHH Mortgage in an attempt to have 1-3 months of my mortgage payments waived. They did not offer a waiver option but did in fact offer a deferral ' option but its the terms that have me seriously concerned. 
1. they would defer 3 months payments 2. At the end of the deferment all payments deferred would be due in a lump sum 3. If I was unable to make this payment they would consider other repayment options which they would not disclose or possibly a refinance option For folks that have lost employment and with the crisis continuing for at least another month I find it nearly impossible that I ( or others ) would suddenly obtain funds to make a lump sum payment for any deferred monthly payments. 
Is my concern that this practice is laying the ground work for astronomical rates of foreclosure and/or will force customers into a less then equitable refinance positions. 
At this time I am formally requesting that your offices review this practice and determine if it is legal or fair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BTH Management
State: MI

Complaint narrative:
This company PLAZA SERVICES, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone Number ( XXXX ) XXXX Has purchased an account from XXXX XXXX XXXX and reported as in collections on my credit report. Personify partners with XXXX XXXX XXXX  to offer illegal loans. Both companies are not licensed through Michigan Department of Insurance and Financial Services and are not able to loan to Michigan residents. This company is impossible to deal with on the phone. The representatives are very rude and threatens to file a lawsuit, and will disconnect the call. They also contact family members unnecessarily. This debt is not valid. It is also in violation of Michigan Statuary Interest Rate Ceilings. 

XXXX XXXX XXXX XX/XX/1967 XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I didn't even attend the school for 3 months. I told them I will be joining the XXXX & to remove me. They said it was fine. After I joined the XXXX, I found out that they were still charging me as if I was attending the school. They now have me at over {$9000.00} that I owe them & my account is now at default. The school closed down years ago due to fraud. They have scammed numerous students with loans like they did to me. I have filed a dispute with the credit bureau & also the dept of education. I have also filed a complaint with the California Department of Consumer Affairs. It is currently under investigation. I have been serving in the XXXX XXXX for almost 9 year now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: FL

Complaint narrative:
I have tried to contact AES numerous times with no response. 
They are charging interest during the COVID crisis. 
The student loan industry is such a scam to begin with! 
I recently saw with an original loan of XXXX, I have already paid XXXX apx. 12,000 in interest. 
It is disgusting that the government and these corporations can get away with this. 
AES has never been able to provide me with documentation to show how this interest has accumulated. I have filed a previous complaint and the CFPB didnt do a dang thing! 
The people are going to start to getting loud about this corruption, we wont stand for this much longer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: FL

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Amendment to XXXX : Just rec 'd escrow stmt dated XXXX stating my acct has a shortage of {$5.00}. This after CHASE refused to deposit my my full {$300.00} check to escrow to cover past and projected shortages, then applied {$200.00} to principle without authorization. CHASE demands my payment be increased as CHASE refuses to accept escrow funds for projected shortages. People need to keep their payments low in the event of hard times such as NOW! CHASE insists they are just following the rules but refuses to give me a copy of the rule or explain why the rule must be enforced if it is satisfied. Surely the satisfaction of the XX/XX/12 rule by a sufficient escrow balance should void its implementation. CHASE is insensitive, unreasonable, unfair, and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My social security number was affected in the XXXX  Breach. Since then Ive had all sorts of predatory loans popping up on all of my credit reports. 
I have disputed XXXX XXXX as an account which was not mine several times .With XXXX  , Trans Union , and XXXX. 
Each time I would dispute, the investigation would result in deletion of the account as XXXX XXXX is not able to verify. 
However, dispite XXXX XXXX  ability to verify, Here we are a year later and these agencies have allowed the company to reinsert the debt without validation, or the 60 notification I am legally required to recieve from transunion. 

According to the fair credit protection act, if a consumer disputes an account, and the account is found to be inaccurate, and deleted, both the reporting company and the reporting agency must notify me in writing if the same company tries to re insert the debt after they failed to verify. I have never been notified by any of the violating agencies that this company intended to reinsert this debt after deletion. 

These Agencies, who are suppossed to protect the comsumers continue to fail me wtih their security breaches and lack of due diligence. 
Case in point is, all three agencies are claiming that their information is correct and verified, dispite the fact that they are reporting varying information All three agencies are reporting a different amount for the SAME account named XXXX XXXX ( South Carolina ) Tranunion reports the account balance at {$390.00} XXXX  {$300.00} XXXX  {$480.00} All three numbers can not be right, nor can all three agencies be correct, so in fact all of the agencies are reporting knowingly reporting inaccurate information. 
Specifically under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) for knowing violations of the Act, the per violation penalty will increase from {$3500.00} to {$3700.00}. 
To add insult to injury, if you call XXXX XXXX they will tell you that they no longer own the account, and that a 3rd party company ( not listed on the report ) does and they will give you a number to XXXX XXXX  When you call that company XXXX, they will tell you the account is closed 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 2020-04-27 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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies : Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX In XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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 2020-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: CT

Complaint narrative:
Due to the corona pandemic and being out of work and school, taking online classes, I reached out to Sallie Mae, my brother and I over the last several years have taken out many student loans from Sallie Mae. I am a sophomore in college and I have {$25000.00} in loans to SM. I called their customer service # a few weeks ago and asked if my interest could be stopped during the pandemic, I pay $ XXXX month just in interest and have no means to pay it as I am out of work now due to this crisis. My parents are struggling, they pay for the majority of my school and can't add this loan to their finances right now. I was told that Sallie Mae would not be making any exceptions, I think this is disgusting and will look into how I can transfer my loan and will never borrow from them again. They are one of the largest financial institutions for private student loans and are one of the few not participating to help students at this very  difficult time. I would like my interest credited for the month of XXXX and suspended until we are back to school and work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I clicked on an ad for a new account promotion which Citi was running. If i deposited $ XXXX in the account within 60 days of opening, then kept in for 90 days i would get the {$500.00} bonus. I made a deposit of {$15000.00} on XX/XX/2019 and still have not received anything. The money has not been earning interest and Citi has not responded as to why it has been more than 5 months.

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 2020-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: LA

Complaint narrative:
PHH Mortgage will NOT provide my 1098 interest forms for Federal Tax purposes past last year ( was only given the XXXX form ). My mortgage is no longer with PHH Mortgage & consequently I no longer have access to my online account to view my XXXX through XXXX 1098 Forms ( which is where I safely kept those forms - online ). 
My inquiry/request for past 1098 Forms on XX/XX/XXXX only yielded the XXXX Form. I am requesting 1098 Forms for XXXX through XXXX. Certainly they have access/records of these forms for tax auditing purposes & for previous customers.

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 2020-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
I tried using my Barclay credit card on XX/XX/20 for a purchase online which was denied. I checked my online account to see that the credit card was closed XX/XX/20 due to inactivity. I called Barclay 's customer service on XX/XX/20 to inquire about reopening the account. I was on hold for 2.5 hours before I could speak to a service representative. When I explained the situation, the rep said the card/account can only be reopened if it has been less than a week ( 5 business days ) and since it's been more than a week she couldn't reopen. I explained that if the account was closed on XX/XX/20 and I'm calling on XX/XX/20 to reopen that only 6 days have passed ( 4 business days ). She replied with saying there's nothing she can do since 24-48 hours have to pass once an account is closed before she's able to reopen. I was very confused at this point since well over 24-48 hours have passed and that was different than her first response. When I asked her to clarify the situation since her responses weren't making sense, she hung up while I was mid sentence and the issue was not resolved. Now I have to wait another 2.5 hours just for the same thing to potentially happen and I'll miss the window to reopen the account.

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 2020-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TX

Complaint narrative:
Its saying I have a XXXX and I dont it was reduce to a clan XXXX  I need that changed please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending
State: AL

Complaint narrative:
I replied to a piece of mail I received advertising a 2.75 % interest rate for Veterans. I called and initiated a refi ( aroundXX/XX/2020 ). I was told that since my credit score/salary information was high enough that I should remove my spouse from the application to get the lower rate. I received all sorts of documents about the refi that indicated everything was moving along just fine XXXX initial disclosures, estimates, closing disclosures ). Today I received a letter of declination stating that the reason was due to the inability to remove the spouse from the current loan because it is a VA IRRRL. In addition to my credit score taking a hit for the inquiry it has been a huge waste of time. I was told that I wouldn't be making a mortgage payment for XXXX and I agreed to not shop around for better rates. After calling today, I was told that the declination was because the investor is not refinancing VA loans where a co-borrower is being removed until " the covid-19 pandemic blows over '' How can that be a metric for any form of lending? Can you require a co-borrower when the principal borrower meets your lending requirements?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Hello, I am having issues with NewRez Financial regarding my Escrow account. This is not the first time we have encountered such a challenge. In XXXX of last year wqe filed a CFPB complaint ( Complaint Number XXXX ) about a sudden major increase in our mortgage due to a claimed shortage in our escrow account. There was found to be a missing check from our escrow account from our previous hazard insurance company, but despite sending them the check there was still a difference. After going back and forth with the Agents ( I was told about 5 different amounts I was going to have to pay to make up the difference ), one Agent finally found the error, and managed to bring my payments from over 2500 a month ( as originally quoted ) to around {$2400.00} a month. This is still a large increase from the {$2200.00} we had paid to our original lender. 

Earlier this month, I received another notification that there was a " shortage '' in our escrow account. Now, we have paid extra for the past 12 months to cover the shortage which existed before. There are no increases to our hazard insurance, and there is no increase to our property tax. NewRez claims there is a {$2000.00} shortage for the next 12 months, which would increase my monthly mortgage by another {$170.00}. Upon review of the statement, the only difference I see in the expenses is a DECREASE in my Hazard insurance from {$2900.00} to {$2800.00}. I do not understand how there can be a shortage after paying all year to catch up from a shortage before ( while still paying my current escrow amount ). I am including a copy of my original Guaranteed Rate mortgage statement showing our escrow amount, as well as the most recent escrow analysis received from NewRez. As with my other current complaint, I have made numerous attempts to contact NewRez about this, however they have shown to be incredibly difficult to contact, with calls terminating, and hold times exceeding 2 hours on occasion. 

I understand there will be variances, and slight increases from year to year due to changes in taxes and hazard insurance, but nearly {$5000.00} in two years is an awful lot of shortage to happen. If this is the case, there needs to be better fiduciary management on their part to make sure people stay on track, and aren't stuck paying " shortages '' for the duration of their mortgage.

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