vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
Specialized Loan Servicing bought my loan from XXXX  XXXX XXXX in XX/XX/2019. 

Specialized Loan Servicing sent a letter stating I missed 2 payments. 

I called and received information to email the proof of payments showing I have paid, and on-time or before due. NOT ONE late payment. 

Specialized Loan Servicing sent another letter stating, again, that I have missed payments. 

I call them, again, to ensure they received the proof of payment. 

The representative ( hereby designated the abbreviation of " rep '' ) claimed I was not paying the full amount and that my interest is variable ( which it isn't ). The rep did not mention anything about seeing missing payments, only that I was allegedly underpaying. The rep stated I was underpaying on an amount that is LESS THAN I have been sending. 

Once I pointed this out to the rep, they claimed they could no longer hear me and that my cell phone must be going out of service. I was on a landline and stated that. 

They stated again that I am underpaying on the loan, while sending me letter that I am missing payments, when I have PROOF all payments have been made, on or before due, and in excess of the amount required. 

The rep stated again that I am not paying the appropriate amount, that I have a variable interest, and furthermore, threatened me with legal action when I requested the signed documents stating my agreement to a variable interest loan with them, as I never signed an agreement with them, as it was Specialized Loan Servicing who bought the loan from XXXX  XXXX XXXX. I stated again that I wanted copies of the documents, they stated again they would take legal action against me for wanting these documents. 

This company is claiming missed payments on paper, underpayment on the telephone, and is causing hardship for the people they are trying to scam out of money. If they can not accurately document the payments, but I can, how are they permitted to make threats/ move to foreclose on my home.

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 2020-01-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Inaccurate reporting, wrong name and wrong social security reported, balance due for one and more account is inaccurate. I have tried to resolve this matter several times over the last several months but there have been no changes even when providing proof submitted and the company complies 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 monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
In XXXX, a young, XXXX, and naive XXXX year old signed a few private student loans through Sallie Mae ( now Navient )  for a GRAPHIC DESIGN degree. That XXXX year old was me. One of the loans I signed was for {$33000.00} at 10 % interest rate ( that should be criminal that they let me do that ). From XXXX to XXXX I went through a series of forbearances and deferments to avoid paying the loan because I couldn't afford too. In XXXX I ran out of ways to defer the payments. This is when I went on a rate reduction program through Navient. I was only able to go on this program because I complained through CFPB ( so, thank you for that ). Once I got on the program ( through Navient ) I was good to go. They reduced my interest rate down to 1 % ( my balance was almost $ XXXX ) reducing the rate to 1 % was perfect. It lowered my payment down to {$700.00} a month AND money was actually going toward my principal, which was great. Fast forward to today. They apparently initiated something to where my rate is now 5 % and it's interest only. So, I'm getting no where with paying down my loan and paying close to {$900.00} a month. The payment is too much and I need some of that payment to go toward principal. I tried talking to someone at Navient about it but they stated they weren't able to do anything. AND that amount it going to keep going up every 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
I filed a complaint about a collection on my account I don't recognize. I asked for copies of the charges related to this collection. I understand I had a card with XXXX XXXX, but I do not recognize this/these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello Equafix will not remove This 6 items on my report from the fXXXX XXXX XXXX. I already worked very thing out with my lenders and My account is current closed or in a. forbearance agreement, i also have a XXXX payment balance with This accout Please help me!!!!. XXXX  all ready removed these items off my report now im just waiting for XXXX  to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I paid my mortgage on XX/XX/2019. I made a principal only ( I was specific ) payment on XX/XX/2019 which was credited to my account on XX/XX/2019 {$530.00} as. Mortgage pymt instead of a principal only as requested. PHH Mortgage applies the XX/XX/19 as : Principal Only Payment : XX/XX/2019 {$40.00} & my XXXX pymt correctly : Mortgage Payment Applied : XX/XX/2019; {$810.00}. According to XXXX XXXX # XXXX, the money was placed into a suspense account which differs from the payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX I cashed three checks and sent them to a person that was running a scam on me but i did not know that at the time. I was told by XXXX XXXX XXXX to cash these checks for his sick mother and send them to the nurse since his account was a business account he could not cash them out of. He had an account also with My bank in his official name and would have his secretary get the checks to me and I would send to the nurse. I didn't know this was a scam until the checks bounced. The nurse who I sent the checks to was XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I have made numerous attempts to fix this issue with XXXX with no effort from their end to fix the discrepancy from their end. It took a month for the company to finally cancel our services after numerous attempts from our end to cancel along with a series of misrepresentation from their representatives. They also billed us double without a justifiable reason. I refuse to pay {$730.00} when we really should only owe {$250.00} according to my calculations. XXXX also felt the need to threaten to levy our bank accounts without having even obtained judgement. Another violation on top of that, they continued to harass me for this inaccurate bill after I sent a request for them to cease and desist communication. To my understanding this is a violation of the FDCPA and should be taken very seriously.

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 2020-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One 360 Checking Account - Online and Mobile Account Access and Management!! 

I have a 360 checking account with capital one and every time making payment using my routing and account number. These transactions do not show up under any pending, processing, scheduled, future, etc. within my transaction activity history. Although these payments are reflected in my available balance!? 
Online account manager on the account page there is an Icon next to it. 
" Upcoming Transactions '' click on it. 
It states " These are transactions that are set to happen in the next 30 days. Since they have not happened yet, they do not affect your available balance. If you have transactions scheduled for more than 30 days in the future and would like to edit or delete them, please call us at XXXX any day from XXXX - XXXX. 
" Past Transactions '' click on it. 
It states " This includes transactions that have affected your balance. 

Now if this is the case then why are none of the payments which I make using routing and account number not listed within these categories instead of not even being visibly listed entirely under my transaction activity!?!?! 

I initiated chat with capital one customer support within from my online account and spoke with representative who first told me it was a known tech issue. Okay that's fine if it was the truth, then why did I not receive anything notify me of this known tech issue?? Then further into our conversation he told me that it was just how there system processes these types of payments. Okay that's also fine if it was the truth!! The answers he provided to me was contradicting just like the online account manager it is  deceptive!! Providing capital one customers with inaccurate account information!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
This collection corporation is doing business as EOS CCA. When communicating with me, they did not indicate that they did not have a licenses in the State of Florida to conduct business. At this time, I desire to sue them, in the State of Florida for false representation of their license. As such, they have illegally obtained my Social Security Number under the State of Florida. On top of that, they have illegally obtained my social security number under Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XXXX, XXXX, I became aware of fraudulent activity against my credit through my membership in XXXX XXXX XXXX through XXXX XXXX XXXX Two CRAs, XXXX  and XXXX  are listing 2 separate attempts from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX MO XXXX to obtain money in the amounts of {$4100.00} and {$3300.00}. XXXX  lists the original debt as from ChecknGo, location unknown. This is likely a check cashing/payday loan operation. I have never used this company 's services, nor that of any other such entity. It should be noted that I filed fraud complaints in XXXX that were of a similar nature e.g., loan shops. Those complaints were investigated and resolved as fraud against my name and confidential information. 
The XXXX XXXX XXXX I spoke with on XXXX said that sometimes these old files are resurrected and sold to another entity. The amounts in the prior fraud were approximately {$4000.00} and {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
In XXXX Synchrony Bank sued me for a debt owed on a care credit card. In XXXX Synchrony Bank sent me a 1099c, cancellation of debt form and I claimed the debt on my XXXX taxes as income. In XXXX of XXXX I contacted Synchrony Bank to get the judgment against me released and even offered to pay anything owed. I was told they could not take any money from me because the debt had been cancelled and they assured me the release would be sent to the court house. In XX/XX/XXXX I and another person I hired to represent me spoke with them because nothing had been received by the courthouse or myself. XX/XX/XXXX we were assured the release request had been sent and would arrive at the courthouse and the judgment would be released. To this date the courthouse has received nothing from Synchrony Bank releasing this judgment. My representative and I spoke with Synchrony again on XX/XX/XXXX in which we were told they would not release the account until I paid {$2300.00} to them. I had never been told any money was owed. I have been told since XX/XX/XXXX that they can not take any money from me due to the XXXX. On XX/XX/XXXX we called again and spoke with the manager, XXXX. He assured my representative and I that the release was sent on XX/XX/XXXX. He also assured me no money was owed on the account due to the 1099c. I asked for proof that the release was sent and he could not provide me with any. I asked for a release to be sent directly to me so I could personally take it to the courthouse. I was told that couldn't be done. I asked for anything to be sent to me stating I no longer owed on this debt. I was told they couldn't provide me with anything. I asked for the tracking information for the release or proof that the courthouse received it. I was told they could not provide me with that. Synchrony Bank has done nothing but state false promises to me that my account would be released and paperwork would be sent to the county courthouse in which the judgment resides. They have tried to wrongfully claim I owed money on this account. They have said they have sent the release yet the courthouse never receives it and they refuse to provide me with any paperwork or letters confirming this debt is released.

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 2020-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: MI

Complaint narrative:
I've been attempting the dispute the alleged medical debt incurred 7 years ago as I haven't been to an Emergency room without insurance in over a decade. XXXX/Phoenix has placed this same debt on my credit report twice, so it appears there's 2 debts, ( once under XXXX, once under Phoenix ) They've never sent anything in writing and wouldn't confirm their identity if they called. After doing some research, it would appear that this is a common tactic when a debt is about to be removed due to age. I'm not sure if XXXX and Phoenix are affiliated with each other. It would appear they're trying to " reset the clock '' on a debt I never should've been liable for in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
inadequate information supplied by Citizens Bank for me to adequately fulfill my obligations to fully take advantage of this banking promotion, forfeiting a portion ( {$400.00} ) of this promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
My hardship started when my monthly payment increased from {$1400.00} to now {$1700.00}. I requested mortgage assistance and was denied on XX/XX/2019. At that point I was told I was behind 1 monthly payment. Now the representatives at TCF bank tells me I am behind 2 mortgage payments and they won't send me a transaction history for the past year, 2019. I have had unsuccessful communication with TCF Bank in the past when I requested the mortgage assistance application. It took more than 3 months. Myself and the Housing Counselor contacted them numerous times. The other concern is that during this process on XX/XX/2019, I received a visit from XXXX XXXX he identified himself as the Vice President of TCF Bank, he said he wanted to help me and came to collect the mortgage payment. In hindsight, I probably should not have given him the check but I did because he was so aggressive. He convinced me that I would otherwise be put in foreclosure so I wrote him the check. The current representative that calls me is XXXX XXXX he will not send me the transaction history he just insists I send in 2 months payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
XX/XX/2020 XXXX XXXX XXXX Loan number XXXX XXXX XXXX XXXX XXXX, CA XXXX I'm reaching out to you in the hopes that you will be able to assist me with my negotiations with Rushmore Loan Management Services. 

I have been trying, unsuccessfully, to resolve a Foreclosure matter with them for more than a year now. 3 years ago, my fiance passed away and that created, not only a loss of income, but a large financial debt. As a result of these issues, I fell behind with my mortgage and have been trying to modify the loan since. 

I have been working with an attorney who has basically only made the issue worse, as that person has backed me into a corner - there is a sale date schedule for my home on the XXXX and the attorney did nothing to address it. 

I reached out ( again ) to Rushmore last week and was told that as long as I had documentation submitted by end of business day, Monday the XXXX, I would be fine. I submitted everything, called on Tuesday to confirm that it was received and was told that the documents were being imaged. When I spoke with them yesterday I got three different answers from three different individuals, regarding the status of my request - all of them conflicting. 

Not only this, but now they're requesting additional documentation and are refusing to put the sale date on hold. I have done everything I possibly can to comply with their requests over the last year, but it seems as though they're determined to follow predatory, as well as, questionable business practices. 

I was told that things would be fine, as long as I follow their instructions, but it's clear that that was all part of their deception. Please assist with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: OR

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
First Advantage supplied a list of 71 judgments & liens on me to XXXX XXXX. They are all incorrect, either duped 4 times, and all satisfied any years ago. 
I have written to First Advantage for a copy of this list to dispute it. They have not sent me a copy. I sent two written requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one credit card impacted my credit score with a hard inquiry on or around XX/XX/2019. This secure credit card application lowered my credit score on XXXX  and XXXX  by 19 PTS! This was done through XXXX XXXX and 19 points is an absurd number for a simple hard inquiry on my credit score.

Company response to consumer: Closed with explanation