vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I have paid this mortgage company two payments one they received on XX/XX/2022 and another payment on XX/XX/2022. They have gotten a total of {$3800.00} which brings my mortgage current to the end of XXXX. I do have an attorney, which has spoke to their attorney, which knew that this money was coming. The problem now is they said they must get to their back in to see if theyre going to apply this money to my account. This is not fair I am a XXXXXXXX  I need to stay in my house they went to work, and they do have the money, which makes me current I have not applied it. I spoke to a woman XXXX today and she said her book show that Im still in arrears since XXXX. please help me because this seems like a case of them not being honest in their dealings. My mortgage is an FHA mortgage, and I do not like the way they are treating me its not like theyre waiting for the money they have the money and all they have to do is apply it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WestGen Lending, a DBA of Beckam Funding
State: TX

Complaint narrative:
I closed on my loan with XXXX XXXX  XXXX on XX/XX/2022. Our first payment was due on XX/XX/XXXX. Since we closed, I have been trying to figure out how to make payments to the mortgage company. They've given me contacts to 2 servicing companies but neither of this servicing company has a my loan information. I have not received any correspondence from XXXX XXXX  XXXX. I've sent XXXX payments to XXXX with extra to cover principal but I have not received any notification on whether my payment was received or applied to my mortgage. Furthermore, I never have trouble with my other mail being received but XXXX insists they have not received checks that were mailed more than 2 weeks ago. My gut tells me is that they are not posting the check so that the interest they are charging on my {$640000.00} loan at 7.5 % can keep accruing. Please help me address this problem. This is the 21st century. Any mortgage company worth it's salt should have online access to me to pay and view my mortgage information. This is XXXX and I do not have any of my loan information

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I have a credit card for XXXX XXXX that is not mine. 
The card was opened in XXXX under the name XXXX XXXX. I was not XXXX XXXX then, my name was XXXX XXXX. I did not get married until XXXX, then changing my name to XXXX. 

The person who I believe stole my identity was my boyfriend 's ( at the time ) sister who's name is XXXX XXXX. Her and her boyfriend were visiting in XXXX awaiting the birth of my son. I believe they stole my SS number and opened a card in her name, stealing my identity. 

I can prove the name change with a marriage license. 

the previous complaint number was XXXX. 

I spoke with XXXX XXXX as well. They are doing an investigation as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX i was on the phone with capital one for 46 mins. i received numerous offers via email about doing a balance transfer with a 2 % fee and i will have no interest fot 12 months. I notice that i was being charged interest anyways. i called in and they told me they say my offers and they assure me they will fix the issue and that it was a glitch. i was giving a case number and was told i will be getting a call and the issue will resolve. on XXXX XXXX i called at XXXX and i was on the phone for XXXX mins. i spoke with someone and they put me on hold for a while than came back to the phone and told me i selected the balance transfer with no balance transfer fee i told them i ddint and show me that i made that election online. i told him that doesnt make sense why would i do a balance transfer with my original credit card with lower interest and come to you all with higher interest. no where in my letter did it say or did a free balance transfer it said no interest for 12 months. i am not being honored my offer im still being charged interest they claim i made a different selection when i accept the offer it prompt me to select no interest for 12 months and put in my card number to do the balance transfer and i explain to the man if that was the case why wasnt i told this the last time why no one ever called me. show me this is what i selected. why would u even have another offer to me if the numerous letters i received didnt even have that option. why would anyone not choose no interest for XXXX. they misled me and is not trying to help me. all he said was there was nothing he can do. i ask to speak to his boss and he stated i cant. i am very diasppointed with capital one. also they have me at an interest rate for 28 % when i was offer 25 % AND 26 %

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
Spring Oaks Capital SPV , LLC Had stated that a bill assumpted to be me was sent to me and paid in a amount of XXXX dollars or more. 

I dispute again this owning of a card called XXXX. Already in the year they said it was opened. Two years prior to that I was scammed out of money from a company who said I owed them money. And still getting emails from company 's telling me about giving them money for offers. 

I do not accept what this company claims. 
Ask the CFPB to step and remove the negative report, as I had already done with contacting the three credit bureaus. 

They state in their as if the charge happened in XXXX. This happened over four years soon to be five years ago. 

No word of it mentioned or said back then. 

This is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The payment history on this now paid off and closed account has many inaccuracies. For one it never should have become a charge off. A Capital One representative told me in XX/XX/XXXX it would not become a charge off, it did. Two, there were months that I made payments that Capital One has listed as missed payments. I provided a XXXX representative with a bank statement showing that I made payments. And lastly, after all these issues, a representative from Capital One told me in early XXXX that if I paid off the entire balance his manager would allow him to remove the account from the credit reporting agencies, as they could not accurately verify my concerns over the payment history. I have been reaching out to everyone at Capital One to finally get this resolved. They continue to ignore my requests. I am beyond frustrated that this account is still giving me trouble after they acknowledged that it had issues. I want this account and all their inaccurate information removed from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Its been more than 30 days and the credit bureaus have failed to send my investigation back. This is not making sense. BY LAW THEY HAVE 30 DAYS! 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I never had a account with " Midland Finding. '' Don't know them and never heard of them. It's for {$1100.00} dollars. 

I would like to have this removed immediately. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo sent me a notification that my payroll was posted early ( Wednesday ) instead of Friday. I received an email from them on Wednesday stating my direct deposit was available in my account but when I checked my daily balance the funds were still in pending status as of Friday morning. 

This is deceptive and an unfair business practice.

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 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Account was in forbearance. Made bulk payment when payments resumed to bring account current. Timely monthly payments made for amount due, although escrow change led to deficit on one months payment leading to late charge. And 'incomplete payments ' ( b/c of the late charges that should have been reversed ) keep being placed in unassigned bucket and subsequently put toward principal, wiping out the monthly payment made in full. Called, and was escalated for correction, since I have monthly payments on autopay, and not direct withdrawal from their bank. I have contacted them on 3 separate occasions, one manager listened to previous calls and agreed that charges were inappropriate and 'escalated ' to correct department which would in turn contact me no more than 30d later. Problem persists. Menacing letters monthly and no solutions provided when calling customer service. Managers don't follow up and everyone states there is no contact they can provide to give you the opportunity to follow up. I would greatly appreciate someones help with this and would welcome speaking with anyone at the bank who has the authority to correct this issue directly. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: MI

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-11-04 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: MI

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has been an ongoing issue for months. They continue to call me on different numbers so I can not block them. See attachments

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 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
I have fell past due on my mortgage on XXXXXXXX XXXX XXXX I am writing this letter to explain my financial hardship that caused me to fall behind on my mortgage. On XX/XX/2014 I was diagnosed with XXXX XXXX XXXXXXXX and became very ill, due to my illness I missed a lot of workdays which my position was replaced, and I lost my job. After receiving treatment, I finally went back to work after a year then due to XXXX related blood vessels I suffered a XXXX which placed me out of work again due to my XXXX XXXX XXXX I was not cleared by my doctor to return to work. Thank God I am back to work now, and my health issues have all been resolved. During this time, I requested for mortgage assistance while I was only a few months behind, each time Id submit for loss mitigation as per their request the process would takes months only to always request documents over and over again even after already submitting these to them on numerous occasions. I feel that PHH intentionally delayed the review process just to foreclose on my home. I have offered PHH XXXX  XXXX {$35000.00} to show as good faith in hopes we can work on a home retention options but they have denied every attempt Ive made. As well PHH initiated foreclosure while I was in review for assistance as per CFPB guidelines I feel PHH is violation of Dual Tracking laws of foreclosure as well as Failure to perform and Negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently moved from XXXX XXXX to XXXX this year and when going for an apartment I was told I had a Bankrupotcy on my file which as you can imagine, is alarming. I XXXX  the best way to dispute it and did with the 3 credit Bureaus that it was inaccurate and to remove it ( XX/XX/XXXX ). XXXX removed it which is great, but XXXX XXXX and Experian did not. I did more research and decided to reach out to the court as well. I wrote them a letter asking what infor that they have on me for reporting the information and they responded that they do not provide the credit bureaus information, which caused quite a conodrum as you can imagine. How is a credit bureau validating the information if the supposed court it occurred at does not supply the information. I wrote back to the credit bureaus XXXX XXXX and Experian with this information, even cited the proper law, and provided the paper the court provided, still nothing. 
This is my last resort to correct inaccurate information.

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 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have had an issue with this mortgage company since XXXX turned it over to them. I have had several issues with this company. 
XXXX. I haven't received a bill, via paper or email since day XXXX even though I've made several requests. 
XXXX. I am only allowed to make payments via XXXX XXXX or XXXX XXXX. 
XXXX. I have requested a full audit of my account several times with no response. 
XXXX. Each time I speak to an agent I'm told I owe a different. I'm never able to get an accurate count of how much I owe. 
XXXX. I called today and they told me my house was in Foreclosure but, I'm yet to receive any type of notification.

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 2022-11-04 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: FL

Complaint narrative:
I am attaching the last two letters that I sent to this company to file a complaint about their non-compliance. I sent my request for a method of verification last XX/XX/2022 and FCRA mentions that I can request the method of verification used on the disputed items but this company doesn't seem to be taking me seriously, they're ignoring my letters. I want the CFPB to have records of this complaint because this will be my step in taking more serious actions against the negligence of this company.

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 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
I have a problem with my mortgage servicer, Mr. Cooper Mortgage ( formerly known as Nationstar Mortgage Holdings Inc. ) regarding removing the PMI payment. I have paid off enough of my mortgage and own enough equity in my home to have the PMI removed. I have contacted them on the phone and spoken with a representative but my specific issues have not been resolved. Mr. Cooper refuses to remove my PMI even though I own more than 20 % of my home and refuses to accept the following documentation showing this : - An appraisal I pay for - Invoices showing the XXXXmprovements I've made ( Such as installing a $ XXXX solar roof system ). Why can't they accept a new appraisal I make or my documentation showing the new home value? Mr. Cooper is forcing me to pay more than {$300.00} for their own appraisal which they still have not scheduled yet a month after I contacted them. Why can't they respond and explain when the new appraisal is scheduled and why they won't accept an independent appraisal that I pay for? Assuming the issue is settled by the CFPB that I do in fact own over 20 % of my home and did not have to pay PMI, I would like the last few PMI payments refunded. Can the CFPB get Mr. Cooper Mortgage to respond about these 3 specific issues and have my PMI removed? Also, I've attached the most recent letter from them that refuses to give a reason for denying my PMI removal request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently moved from XXXX XXXX to XXXX  this year and when going for an apartment I was told I had a Bankrupotcy on my file which as you can imagine, is alarming. I XXXX  the best way to dispute it and did with the 3 credit Bureaus that it was inaccurate and to remove it ( XX/XX/XXXX ). XXXX removed it which is great, but Trans Union and XXXX did not. I did more research and decided to reach out to the court as well. I wrote them a letter asking what infor that they have on me for reporting the information and they responded that they do not provide the credit bureaus information, which caused quite a conodrum as you can imagine. How is a credit bureau validating the information if the supposed court it occurred at does not supply the information. I wrote back to the credit bureaus Trans Union and XXXX with this information, even cited the proper law, and provided the paper the court provided, still nothing. 
This is my last resort to correct inaccurate information.

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