vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
IN 2006 SPECIALIZED LOAN SERVICING LLC WAS COLLECTING MORTGAGE PAYMENTS FOR XXXX XXXX XXXX ON MY SECOND LIEN. XXXX XXXX XXXX MODIFIED MY MORTGAGE AND TOLD ME THAT THE FIRST LIEN AND SECOND LIEN HAD BEEN COMBINED AND THAT I ONLY HAD TO MAKE ONE MONTHLY MORTGAGE PAYMENT. 
I CONTINUED MAKING MORTGAGE PAYMENTS TO XXXX XXXX XXXX AND NOW TO THE SERVICER OF XXXX XXXX XXXX SELECT PORTFOLIO SERVICING. ON XXXX I DISCOVER THAT MY HOME HAD BEEN PLACED IN FORECLOSURE WITH A SALE DATE OF XXXX FOR COLLECTION AMOUNT OF {$29000.00} THE SECOND LIEN I OBTAINED WHEN I PURCHASED MY HOME IN 2006. AS REQUIRED UNDER TEXAS LAW PROPERTY CODE SECTION 51.002 ( D ) I NEVER RECEIVED A CERTIFIED NOTICE OF DEFAULT OR A NOTICE OF SALE FROM SPECIALIZED LOAN SERVICING OR THEIR TRUSTEE ATTORNEYS XXXX XXXX XXXX XXXX XXXX. I WAS FORCED TO FILE CHAPTER XXXX BANKRUPTCY ON XXXX. I CALLED AND NOTIFIED THE MORTGAGE LENDERS BEFORE XXXX ( See attached proof of notifications ) AND THEIR ATTORNEYS THAT I FILED BANKRUPTCY SO THEY COULD STOP THE FORECLOSURE OF MY HOME. THEY DID NOT COMPLY WITH THE U.S. BANKRUPTCY COURT-ORDERED STAY AND CONDUCTED AN UNAUTHORIZED FORECLOSURE SALE. A MORTGAGE FORECLOSURE WITHOUT PERMISSION OF THE BANKRUPTCY COURT VIOLATES THE AUTOMATIC STAY AND IS VOID OR VOIDABLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In reference to XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX. I disputed these items and your company said that the listed companies were verified as accurate. I was in dispute with the results and requested a method of verification, which is within my rights according to a section in 611 fcra. I have asked several times for them to provide that information to me and it seems as if they refuse to. The company only had 15 days to provide that information according to fcra or if not I can sue for damages if they are not able to provide. Its been over 2 months and I still have not received a response 3rd request. Also they are reporting a company I do not have a contract to pay them and they are not suppose to be reporting on me. The company is XXXX XXXX XXXX. The company and experian are really not in compliance when reporting information on me. And experian is not in compliance when reporting any of the other accounts because they can't provide methods of verification. This means that experian is not properly reporting due to noncompliance of not being able to provide verification of the accounts in question.

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 2021-10-10 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I refinanced my mortgage in XX/XX/XXXX with XXXX XXXX XXXX --, That CO. 
sold it to XXXX XXXX XXXX in XXXX who then sold it to Planet Home Lending in XXXX. The monthly payments were {$1700.00}. 
The {$1700.00} was increased by this co. Planet to {$1800.00}. When I enquired I was told by a person in the loan dept. ". XXXX " she would submit a copy of our phone conversation to the right dept and they would take care of it.. It turned out that ther was shortfall of {$340.00} I got another employee on a telephone conversation, " XXXX stated that the increase was due to a shortfall.I paid the shortfall with XXXX payment that evening which was {$2100.00}. hoping to take care of the shortfall and the mortgage payment foe XX/XX/2021. The XXXX mortgage payment had not returned to {$1700.00}. 
I also sent {$1000.00} to principal only, they ignored my request and placed the cashier 's cheque in some place called " other '' .I sent my usual payment and added {$790.00} which would be two payments in XXXX one to principal only and the other the regular mgt.fee. 
XXXX statement has arrived with no explanation of the extra payments I have been making. It still says {$1800.00}. What are my options. I need help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of America Ltd.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
I sent a letter a while back to Nicholas financial to validate debt and receive no validation. They sent me a letter full of a bunch of propaganda addressing the Fcba. When my letter was specifically about validation company provided no documentation of any contractual agreements nothing bearing my signature indicating I finance this vehicle failure to validate debt and continuing to report is a violation Im asking for removal of account from records

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received a ppp loan that I put in my personal account instead of a business account.. I made a few transactions for business zelle XXXX n paid with my credit card that I used for business n gas back. In 3 days they froze my account stating I don't have a business which I do a dba for 10 years n I sent them proof of it etc n they still say they can't release it due to they say they can't find my dba in the system n because I used my name instead of the dba which they should still be able to find it because I have no ein number it's under my social.. I sent them receipts because I didn't file that year but had a schedule c for XXXX I submitted to sba.. My bank capital one bank is the problem I been with them like 8 years I can't believe this.. I sent them all my receipts of that year with my business of which I built a house I was the general contractor.. The amount I received was XXXX n they also said they didn't receive any deposits in my account which I never use the bank I receive cash all the time.. So they got me oweing them XXXX n sending it back they said 5 months ago here we are in XXXX since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I applied for a cash-out refinance with NewRez on or around XX/XX/2021. I wanted to take out {$30000.00} in cash to pay for improvements, including a new AC unit and some kitchen renovations. During the process, I asked my loan officer what would happen to the escrow funds on my now-previous loan, and was told by my loan officer that I would be refunded these funds after closing. 

After this point, my wife and I began getting estimates for a new AC unit and other home improvements. In mid-XXXX, I received an updated Closing Disclosure that indicated I would be receiving {$26000.00} in cash out instead of {$30000.00}. I emailed my concerns and my new loan officer ( who had replaced my initial loan officer ) called and told me that the amount had changed because, in part, I had to pay for the escrow on my new loan up front. I reminded my new loan officer that the previous loan officer had told me I would get a refund for my previous escrow funds, which at that point had totaled {$3400.00}. I asked if I would still be refunded this amount after closing. He confirmed I would. Because I was not getting the cash out that I expected, this refund meant I would still have {$30000.00} for the improvements we had budgeted. 

I signed closing papers for my loan on XX/XX/2021. Except for the cash out figure rising slightly to {$27000.00}, I did not notice anything unusual during signing. My loan funded on XX/XX/2021 and the funds hit my account the following day. 

On XX/XX/2021, I sent the senior loan processor on my loan an email asking when and how the refund from my previous escrow account would arrive, as had been promised to me. The processor claimed I had signed a document during closing that authorized NewRez to apply my previous escrow funds to my loan payoff. The processor sent an unsigned copy of this document, which I do not recall seeing before. My wife and I both went through my loan file provided to us by the notary several times and could not find a copy of this document. 

So, first, I was told I would receive {$26000.00} cash out + {$3400.00} escrow refund for a total of {$30000.00}. We ended up getting {$27000.00} and no escrow refund. Even if I signed the paper NewRez claims I did -- and I DON'T believe I did -- where did the other {$3000.00} go? 

As a result, we now are forced to cut our home improvement budget by 10 % or take out a second loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX  XXXX XXXX GA {$130.00} ( this was removed from XXXX and XXXX ) XXXX XXXX {$480.00} ( this was removed from XXXX ) XXXX XXXX XXXX XXXX {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have an active bank account with Peoples United Bank, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX. 

When this account was opened, it included a debit card which I did not attempt to use until recently. The card did not work several times which prompted me to go to the bank. I was told it was shut off because it was not actively used. I had never been notified that it had, in fact, been shut off and informed them of this. 

A bank rep then issued me a temporary card to use until a new card could be processed and delivered by mail to me. The temporary card is embossed Preferred Customer where my name would normally appear. 

This card also does not work. I have used it twice to process an order with XXXX only to get a later response of Payment Revision Needed. This prompted calls to XXXX and Peoples United Bank trying to figure out why. 

The call to XXXX XXXX Customer Service had a representative questioning me whether the card was activated ; I informed her it was done by the bank rep who issued it to me. She had me change my pin, also. She also notified me that my new card might arrive around XX/XX/XXXX. 

XXXX informed me that payment for both of the orders was rejected by the issuing bank. 

In yet another phone attempt, I contacted yet another Customer Service Rep at the Bank. This rep insisted everything was working properly. 

Fed up with the cars being rejected, I went back to the Bank and withdrew {$600.00} in cash. I requested {$500.00} remain in the account as I need to bridge an account into a new bank. ( Do you blame me? ) I requested a check be made out to me, XXXX XXXX and Cash, for the balance. I was told the check would cost me {$5.00} and the Bank would not allow the check to be made out to cash and me. They would only allow my name on the check. 

Seeing as I have literally spent hours at this point actually being physically present in this bank and spending time on the telephone with bank employees trying and trying and trying to resolve matters, my approximately $ XXXX still sits there where access is impossible unless I go back to the physical bank for the third time and attempt to make a withdrawal for the balance in cash. One can only imagine the roadblocks theyll have ready to stop me from getting my own money. 

There is something steadfastly wrong with their practices that none of their employees can figure out this problem as to why the Preferred Customer card is NOT working.

I need my money as soon as possible and I would ask that you assist me in addressing my issues with Peoples United and helping me get my funds. 

So much for being a Preferred Customer. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been going back and forth for ages with Experian about this accounr with XXXX XXXX. Not only have I advise them that This account doesnt belong to me. But Experian is monthly reporting a charge off history which is bringing my score lower than the pits of held how can they report monthly charge offs on a closed account? Thats a violation Im requesting removal of 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 2021-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: MOHELA
State: NC

Complaint narrative:
I had two options to select from : subsidized loan and unsubsidized loan. I picked the " unsubsidized loan '' option and received a message saying that I have taken a loan out of Mohela and have to pay it back. It is on my credit report. If I really wanted to pick the subsidized loan, I would have taken the unsubsidized loan as well with it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
Weekly I receive mail from this company Jefferson Capital Systems LLC, Pursuant to 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is in fact a violation. This company has reported a collection account on my consumer credit report as well which has affected my reputation as a consumer, and has not allowed me to use my credit resulting in severe stress. I will file for litigation due to the stress this company has caused me, I will give this company the chance to cease all communication with me through all mediums. In fact I have sent a cease and desist as well as a debt verification which will be attached below, I will also give this company the chance to delete any reporting what so be on any credit reporting bureau involving this account as soon as possible. Jefferson Capital Systems LLC has 30 days from the receipt of my cease and desist and also my debt verification to respond, if no result or response resulting in deletion, so be it litigation is shall be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 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: GA

Complaint narrative:
ON XXXX I Submitted a complaint to the CPFB- XXXX. On XXXX Transunion stated they would look into my compliant and will contact me within 30 days with a resolution. We're approaching 60 days with no response or resolution.

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 2021-10-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I utilized services at the University of Maryland XXXX XXXX XX/XX/XXXX, and promptly paid all fees as I received them. 
In XX/XX/XXXX, I was shocked to suddenly find a collection notice on my credit report from American Collections Enterprise , Inc. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX. This notice was for an amount of {$200.00}, for which I have never received any notification from the University of XXXX XXXX XXXX stating that I was owing them. 

I reached out to American Collections Enterprise , Inc. via a letter dated XX/XX/XXXX, requesting validation of the debt, I got an inadequate response from them via a letter dated XX/XX/XXXX stating that the University of Maryland Faculty Physicians had provided information to clarify my indebtedness. 

As there was no viable evidence showing that this debt is being reported accurately, I wrote a second letter to the debt collection agency asking for this evidence. I am yet to get a response from them to my second letter. In the mean time even though they have reported it as disputed to the credit bureaus, I still have this derogatory collection listed on my credit report and affecting my credit scores.

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 2021-10-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: TX

Complaint narrative:
RMP was assigned to collect 3 bills assigned to them by XXXX XXXX XXXX XXXX. Creditor Ref # XXXX - {$120.00} Creditor Ref # XXXX - {$8.00} Creditor Ref # XXXX - {$95.00} for a total of {$220.00}. 

On XX/XX/2021 these debts were paid in full via my bank debt card on line on their website rmpeasypay.com to which I received a payment successful for each item from RMP with the following references : Ref # - XXXX for the amount of {$95.00} Ref # - XXXX for the amount of {$120.00} To date their website rmpeasypay.com shows I still owe this money and they are reporting it to all 3 credit reporting agencies that I have not paid my debts, when in fact, on their own website it shows both, that I paid the debts, but I still owe the debts and they are not removing these items or giving me relief from the debts that I have paid for in full on XX/XX/2021. 

I have emailed RMP on XX/XX/2021 to which I have not received any response and I formulated a dispute through XXXX credit bureau to which RMP has advised them that I had 'NOT '' paid these debts, when in fact I have per their own website.

Company response to consumer: Closed with explanation