vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
To whom it may concern ; My mortgage was recently sold to a mortgage servicing company, named Gregory Funding, LLC ( gregoryfunding.com/contact ).

I found out that my loan had been sold when I tried to make a payment a couple of months ago. I was given no information about Gregory Funding, with the exception of a phone number. 

I had no information until a few weeks ago, when I received a certified letter telling me that I owe then nearly $ XXXX, by XXXX XXXX, 2021. I have created an account, using the loan number on the certified document, After logging into my account it tells me how much I owe and when it is due. However, despite both their contact page and hold greeting saying that I can, " make a payment online, 24 hours per day '' I am unable to make the payment, as my account says that the payment feature is disabled for my account.

I also attempted to call to make the payment but, as always, I sit on hold for over an hour.

Since then I have attempted to communicate with them the following ways : - Multiple phone calls to their customer service phone ( XXXX  ) XXXX, which for the first two months went to a busy signal. Since then I call and sit on hold for at least an hour until the phone call drops. 

- Sent multiple emails, using their contact form, requesting them to contact me. I have received no response either vis email or via phone, from Gregory Funding. 

- Sent a fax ( XXXX ) XXXX requesting to be contacted, for which I received confirmation it was sent. 

It is beginning to seem like they don't actually want me to make a payment because they have created multiple barriers, which prevent me from doing so. 

I am not sure what else I can do and really need assistance with this. All I know is without speaking to someone, especially the way this company operates, I am not going to mail this large of a check in their name and hope they receive it and process it. 

Thank you for any assistance you are able to provide. 

regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
I have requested that NJ Lenders identify who was paid from the XX/XX/2005 " refinancing '' for quite some time now and need this information ASAP because I am selling the house and certainly don't want to be paying the wrong party then sued by another party after the sale. 
I have been requesting that NJ Lenders identify who the payee was who deposited the {$130000.00} and send it back via the CFPB website. I has been established that XXXX XXXX XXXX XXXX was not the payee as NJ Lenders lead me to believe by sending me the mortgage stamped cancelled of record as proof of payment. I think it is only fair that NJ Lenders identify who the payee was who deposited the {$130000.00} that I have been paying back and in addition a lien was placed on my property as a result of the anonymous payee. I should be informed who the payee was who deposited the {$130000.00} loan since I have the responsibility of paying it back with interest and getting the lien removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: SC

Complaint narrative:
XXXX XXXX  XXXX XXXX ( aka XXXX XXXX XXXX XXXX provided me with a letter on letterhead stating that the account was paid in full and closed XX/XX/XXXX. However, there is incorrect information on my credit report. I have disputed this information twice in XXXX and XXXX with the three credit agencies and it still shows up incorrect. It shows as XXXX120 past due XX/XX/XXXX '.

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 2021-02-16 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: SC

Complaint narrative:
XXXX XXXX  XXXX XXXX ( aka XXXX XXXX XXXX XXXX provided me with a letter on letterhead stating that the account was paid in full and closed XX/XX/XXXX. However, there is incorrect information on my credit report. I have disputed this information twice in XXXX and XXXX with the three credit agencies and it still shows up incorrect. It shows as '120 past due XX/XX/XXXX '.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX  off my report it over 7 years old and need off now

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: ME

Complaint narrative:
In XX/XX/2020, we moved from XXXX XXXX  XXXX to XXXX, Maine. As part of that move, we cancelled our cable with XXXX in XXXX and then opened a new account with XXXX here. We have no oustanding balances with XXXX and are, in fact, continued customers in good standing. 

Sunrise Credit Services, calling from the number XXXX called a few months ago, demanding payment of a {$40.00} debt, related to our closed XXXX  account in NY. Because you pay your cable bill in advance of each month, it's actually impossible to close an account with an oustanding balance, so this makes no sense. We went online and confirmed a XXXX  balance on that account. 

At some point, Sunrise bought a phony receivable and has been attempting to collect it from us. I informed them by phone and by letter that there is no debt and to go away. But they called my phone yesterday and left no message. 

They have also asked me to prove to them that there is no debt. I told them that we are under no obligation to share any information with them and left it at that.

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 2021-02-16 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: CA

Complaint narrative:
I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX  off my report it over 7 years old and need off now

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 2021-02-16 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: CA

Complaint narrative:
I have been trying to get my name change for months now and nothing i have proof my name is XXXX XXXX NOT XXXX or XXXX. I have also been to get XXXX XXXX off my report it over 7 years old and need off now

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 2021-02-16 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
XXXX XXXX is reportig 3 fraudulent accounts to my credit. They dont belong to me and I am requesting their removal from my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Hello, XX/XX/XXXX capital one added charges back to my account around XXXX USD that I wanted to contest. 

They are now telling me I marked them as fraud ( I did not ) and they are not willing to contest them. 

They say, and they actually quote me on a call as saying fraud, which I distinctly remember NOT saying because I've had this issue before. Yet they will not send me the call. 

All I want is for them to contest the charges. They are not helping me. My next step is small claims. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing this letter on my behave, I send a letter to Equifax consumer credit agency to dispute report on my credit fill. on the XX/XX/2020. The Investigation took more than 30 days I didn't received a letter back about this issues. This show I'm not treated fairly under law. 

Therefore, I want them to dismiss them, take them out of credit fill. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Global Lending Services LLC
State: DE

Complaint narrative:
My husband and I purchased a car in XXXX brand new and were financed through a company called Global Lending Service based in South Carolina. 

In XXXX of XXXX, our city was hit by a tornado and several trees were struck down. One tree in particular covered the entire southbound lane of XXXX XXXX XXXX XXXX ( 2 lane street ). To avoid hitting another vehicle head on, my husband and oldest daughter were forced to hit the tree that occupied the entire lane. 

In short the SUV was declared a total loss on XX/XX/XXXX. XXXX our insurance company released a partial payment for the value of the vehicle in the amount of XXXX on XX/XX/XXXX. Gap Insurance paid an additional XXXX on XX/XX/XXXX. NOW Global Lending Service is saying I owe a balance of XXXX. They are saying this amount accrued for the months of XXXX, XXXX, XXXX and XXXX. I'd not heard anything from Global Lending about an amount outstanding or owed until XX/XX/XXXX when they charged off my loan for that which remained. 

How is this fair business practice? I was never notified that XXXX paid a partial payment until I noticed the loan reporting as delinquent on my credit bureau. 

1. My credit score dropped over 60 points for an accident that was an act of nature 2. I was not given any notice that a balance existed on my loan I was told it was totaled and they were waiting for a payment from XXXX in XXXX my previous months car payment had been paid current. 
3. No one from Global Lending Service attempted to contact me until XX/XX/XXXX. So from XXXX I'd accrued this outstanding amount and I see this as unfair and poor customer service. 

I've spoken to several people at Global Lending Service who are offering a settlement however I am without a car, left with a negative credit score as a result of something that was beyond my control. 

Who can help me, and how can this be mitigated in the future as potentially other customers are at risk. 

My belief is Global Lending Services practices these unsound practices as a way to procure additional monies from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
BMO Harris has charged my account over {$250.00} in overdraft fees for charges that were reversed by them ( bank error ). Instead of allowing the charge to bounce, they allowed it to process, come out of the account, then reversed it 24 hours later and charged fees. This has happened multiple times for the same charge, resulting in hundreds in overdraft fees, with none of the bills actually being paid to the merchants. This is unfair and predatory for businesses going through rough times in a pandemic. 

I have reached out several times since late XX/XX/XXXX/early XXXX about the fees. Each time, I was told by the person on the phone that a manager has to reach back out to me about this, but no one reached out until today XX/XX/2021 after the account was closed. My business has been negatively affected by COVID and this is unacceptable. Had they returned my calls when I first requested, I would have qualified for the COVID relief program for overdraft fees and this would not be an issue. 

This situation and the fees are all bank error and I would like them to be reversed ASAP as I will not be paying them through a collections department or agency. I intend to speak with a lawyer about this if not rectified.

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 2021-02-16 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: EQUIFAX, INC.
State: MS

Complaint narrative:
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the below information on my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. According to the FRCA, the unauthorized inquiries should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
An Inquiry titled XXXX XXXXXXXX XXXX  XXXX XXXX XXXX was fraudulently placed on my credit report on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Dear CFPB, Good afternoon. 
i was in a home modification application since last year XX/XX/XXXX. First I seek help from CFPB that my lender/Mortgage Company failed to pay my property for XXXX, then I seek a legal assistance from the county i live in and it was settled, because i did make a compaint to CFPB. 
The application that I made last year for Home Modification was denied, because mortgage company received the packet of my application in untimely manner, which was not congruent to the tracking number that I did monitor it they received it before the expected time that they need it. I made an appeal about it and they responded to my compaint cc my former lawyer. Mortgage company send one form that I have to signed for them to reverse the denial. They sent it XXXX  XXXX XXXX, XXXX and they need it on XXXX XXXX XXXX was XXXX and I can't do overnight using XXXX because they use PO box . I never heard anything from the mortgage company about the decision or the approval that they promised which was stated on their response to CFPB. 
By XX/XX/XXXX they stopped accepting mortgage payment because it said they sais i have restart my Home Modification Application which is I did submit all the necessary document they were asking from me. XXXX XXXX was my schedule to speak with my Representative Manager, but nobody called. I emailed them as the same day. Today XXXX XXXX I made a phone call to reach out the mortgage company to follow up my application it said I was denied because the house is not my primary residence. I live here since the day I bought this property. 
I need your help gain justice for the unfairly treatment that mortgage company did to me. Thank you so much and more power.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optima Recovery Services LLC.
State: TN

Complaint narrative:
Optima reported a mark on my credit file for a bill that was paid directly to the original creditor prior to a mark on my credit. This mark should be removed. 

I had an invoice that was originally with Tennessee XXXX Clinics in the amount of {$990.00}. The only people I have ever paid or given money to for the bill was Tennessee XXXX Clinic. When I paid the bill, there was no mark or mention on my credit file regarding a collection. I had not been contacted by mail or by phone by Optima. After the invoice was paid, the next month I received a mark on my credit from Optima for the collection. It shows open and closed at the same time, for the month of XX/XX/XXXX. They reported it as a paid collection. I have attempted to resolve this with them multiple times. I have shown proof that the invoice was paid to Tennessee XXXX  directly ( which Tennessee XXXX said they would verify ). They agree that no funds were paid to them for my account. However they refuse to remove the credit mark on my credit. The only answer I receive is that they will show it as paid. The issue is Optima was never my servicing provider for a collection. All transactions were completed with Tennessee XXXX prior to a collection with Optima. 

I filed an official complaint with the XXXX  after they would not reply to my requests for correction. The XXXX was not able to get them to reply either. ( see below for XXXX file, case # XXXX ) I would like to have the mark removed from all three of my credit files. The account needs to be removed in its entirety with out any penalty. 

Complaint filed against : Business Info NAME : Optima Recovery Systems ACCREDITED BUSINESS : NO CONTACT : Mr. XXXX XXXX ADDRESS : XXXX, PHONE : XXXX XXXX FAX : -- None -- Website : XXXX Complaint status : Activity Date Activity Description XX/XX/XXXX Case Closed - UNANSWERED XX/XX/XXXX Inform Business - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer - Case Closed UNANSWERED XX/XX/XXXX Inform Consumer No Response from Business XX/XX/XXXX No Response Received from Business on 2nd Notice XX/XX/XXXX Second Notice to Business XX/XX/XXXX No Response to First Notice to Business XX/XX/XXXX Inform Business of Complaint XX/XX/XXXX Send Acknowledgement to Consumer XX/XX/XXXX Complaint Validated by XXXX Operator XX/XX/XXXX Complaint Received by XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I received an alert that a collection had been added to my credit report by a company called Credit Management in the amount of {$190.00}. I submitted a Debt Validation immediately via Certified Mail, Return Receipt. The letter was held for 20 days before Credit Management signed and returned the green card on XX/XX/XXXX. It has now been over 70 days since I requested a debt validation from Credit Management and they have still failed to respond but have updated the collection on my credit report as of XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
According to the State Licensing Requirements the debt collectors that's collecting on my debt for Caine & Weiner, using address XXXX XXXX XXXX, XXXX XXXX, CA XXXX, isn't registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Centron Services
State: MT

Complaint narrative:
put a medical bill in my name, i have no account from XXXX  XXXX  XXXX. this account belongs to my wife not me

Company response to consumer: Closed with explanation