vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shellpoint Partners, LLC
State: HI

Complaint narrative:
Shellpoint complaint to CFPB Previous loan servicers and Shellpoint maliciously filed a complaint in Hawaii second circuit court and created fraudulent documentation to attempt to show standing to foreclose on my property. 

It is a federal crime and a violation of federal and state laws to engage in residential mortgage backed securities when the bank and loan servicer does not have legal title of a mortgage collateralizing the mortgage back certificates. 

Shellpoint states XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee XXXX pass through trust X is the owner of the mortgage deed of trust on my property XXXX, Hawaii years after the trust closed. The trust closing date was XX/XX/XXXX. 

Shellpoint can not prove the mortgage in question was ever securitized into any trust. Therefore they are engaging in and violating federal IRS tax laws. 

Shellpoint in their letter dated XX/XX/XXXX and XX/XX/XXXX states the deed of trust security instrument can be sold one or more times. 
Yes, thats true however it needs to be recorded in the name of the new owner or a nominee for a trust. 

My title and security instrument Deed of trust was never in the name of any mortgage backed security since origination. 

It is a federal violation To create fraudulent mortgage backed securities without legal title of a Mortgage collateralizing the mortgage backed security certificate. 

I ask the CFPB to have this investigated or sent to the proper federal agency to look into these mortgage backed securities Shellpoint and new residential ( NRZ ) are engaging in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
DHI Mortgage : company NMLS # XXXX, Branch NMLS # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX This bank has been made the process extremely difficult and abusive. Ive provided XXXX, mortgages, XXXX fees, bank statements, paychecks, property management paperwork for precious properties. I am placing more than 50 % down on a home that XXXX. My XXXX XXXX XXXX was on extension. They required a letter asking why? I got my accountant involved but they did not want to have a conversation as to what they required beyond Proof of extention. My accountant worked over the weekend to complete the extension and they are requesting a transaction # that the govt accepted it. They want me to resend all the paperwork I sent the previous month to this month because XXXX info is now considered outdated. They still require a letter as to why I needed an extension. After I uploaded more information this past weekend ( XX/XX/XXXX ) and speaking with the XXXX  XXXX this same day as to what is ADDITIONALLY required, I received an email from the bank that I have not been in contact with them and That Ill be in default within the next XXXX where they want to keep my XXXX deposit. What course of action do I have?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING UNKNOWN ITEMS AND INACCURATE THINGS ON MY CREDIT REPORT TO THIS DAY XX/XX/2021, XXXX  DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET AND I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND IGNORED OF MY DISPUTES. MY INFORMATION WAS ALSO AFFECTED BY THE EQUIFAX DATA BREACH.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
Please refer to Complaint : XXXX. The Company 's response was that they could not communicate with me and provide the information requested or respond to a Qualified Written Request. In fact, the Bankruptcy Case was DISCHARGED on XX/XX/XXXX. The authorized agent for the Creditor filed their Response to Notice of Final Cure Payment on XX/XX/XXXX and the Order Deeming Mortgage Current was filed on XX/XX/XXXX. The attached documents confirm to the US Bankruptcy Court that the Mortgage is current and stipulate a mortgage payment due on XX/XX/XXXX of {$1000.00}. Subsequent to XX/XX/XXXX, XXXX XXXX sent a Notice XXXX Mortgage Payment Change increasing the payment due by approximately {$350.00} per month. 
BSI has denied me access to their web site to pay my mortgage, but have accepted payment by phone. The staff for BSI have said they need a letter from my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: MS

Complaint narrative:
I have sent dispute letters as well as requested all three credit bureaus to verify and publish their method for verifying this account. It has been longer than 30 days as my initial complaint was submitted on XX/XX/21.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: VA

Complaint narrative:
The company Rent Debt Automated Collections ( RDAC ) located at XXXX XXXX XXXX XXXX, TN XXXX called me on XX/XX/XXXX stating I owed XXXX dollars for rent from The XXXX XXXX XXXX  in XXXX NY XXXX XXXX XXXX, XXXX, NY XXXX. 

I moved out of that apartment in XX/XX/XXXX. I was told i could move out and they kept my deposit. They never once called me or emailed me about this debt. 

RDAC did not give me a letter of debt notice. They just posted this debt to my credit report companies and then when I went to rent an apartment in XXXX DC, I was declined because of RDAC derogatory credit notice on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is the name of the company. I have no idea who this company is. This company calls my phone multiple times a day everyday all week constantly. The company never leaves messages nor voicemails just constantly ringing my phone from hundreds of different numbers but they all show on my caller ID as Portfolio Recovery. This is harassment now. I'm tired and I have tried all kinds of blocking services but somehow they still get pass the blocking and call from multiple numbers. The last call was today at XXXX pm and the telephone number was XXXX. Please help stop the annoying calls. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
This occurred during a phone call when i responded to MY CURRENT mortgage company when they emailed me about refinancing. i was speaking to a very smooth talking man named XXXX XXXX with XXXX XXXX. i was asking him about a refinance and i asked many questions. This took place on XX/XX/2021 at approximately XXXX or so. He was very supportive and encouraging about me doing the refinance with newrez because my mortgage was already with t hem -- - he also degraded my current bank where i was talking to them about a HELOC, and he was telling me they were just trying to charge me more and get more interest etc. I specifically asked him if i would need an appraisal to get the re-fi and he gracefully dodged that question and said things like, probably not, but maybe etc. i also specifically asked about if i would have to pay for the appraisal and he dodged and twisted his answer to make me believe that it would be added on to the loan at the end only if i needed an appraisal. so i spend 45 minutes giving him personal information and signing things and allowing t hem to tag my credit- actually they had already dinged my credit BEFORE i signed anything. but all of this happened and he was so smooth and nice and saying everything was great and i could even get more money out of my equity etc. then after all this time and after i had turned over so much private information and signed papers he said he needed my credit card info to charge XXXX dollars for an appraisal.????? i had been clear about asking questions regarding this and he had said maybe i won't need it but if i do it could be added to the loan at the end. So he tricked me somehow and then he was rude when i called him on it, then he started talking fast and over me and saying, it is all recorded i told you this -- but i know for sure he tricked me or used deceptive language, because i was asking this from the beginning. i would NEVER have answered any questions if he would have said, if they say we need an appraisal you will need to put it on a charge card in order to process the loan -- he never said any such thing at all. They are using very deceptive practices and get all this time and energy and personal info and pull credit and then at the end say that they need your credit card.

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/2018 an electronic payment was made from my BB & T checking account to XXXX XXXX mortgage. This payment was made from a newly opened checking account as previous checking account was under investigation due to fraudulent activity. My records indicate that the electronic payment of {$770.00} was made over the phone with a XXXX XXXX customer service representative, but XXXX XXXX does not have a recording of the call or any notes. BB & T after some investigation, sent a fax to XXXX XXXX detailing the transaction. BB & T stated that the payment was made via the BB & T bill pay system-I was not aware of the details that BB & T sent to XXXX XXXX XXXX BB & T did not send me the information. I had requested from BB & T details of the transaction and explained the discrepancy. The customer service representative stated again that the payment was made through their bill pay system. The first time a person uses the BB & T bill pay system, that payment is sent via paper check. BB & T does not have any record that a paper check was sent, and the representative could not find any other bill pay payments that were sent, that would have been the first and paper check sent. The BB & T representative stated that no further details could be provided or researched as all of those records have been destroyed. My understanding was the banks were required to keep records for 5 years. This information is imperative as the alledged fraudulent activity on my checking account, BB & T confirmed the fraud. After opening a new checking account, the old checking account that the fraudulent activity happened, BB & T stated that I had to leave that account open. In doing so, and the fact that my payroll deposit could not be rerouted or stopped for XXXX days, additional monies were deducted from the account. My records indicate the name of the XXXX XXXX customer serv rep I spoke to when I made the payment, but XXXX XXXX does not.

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 2021-03-30 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
So basically the week of XX/XX/21 I called Navient and asked how can I get late payments from XXXX XXXX off of my credit report. I was told by a rep that I could write a goodwill letter to be considered. It was after a letter I recieved XX/XX/21 they told me that they don't accept goodwill letters for removing late payments at all. This pretty much means I put in time and effort to write a letter to them that had no meaning. My argument was why would a rep tell me to write a goodwill letter when in fact I have no chance at getting them removed whatsoever. I felt like this was extremely deceptive and/or the rep didn't know their actual policies. Maybe it was just to get me off the phone but I feel as though if a rep from a government agency doesn't know their policies, this is extremely negligent on Navients ' part because they service billions of dollars worth of loans nationwide. I proceeded to email their top officers ( including their XXXX & XXXX XXXX to address this issue and it still wasn't resolved even though the rep that reached out to me ( XXXX XXXX XXXX and confirmed that the rep didn't " clarify '' they can't accept goodwill letters. This is a problem because as a consumer I have the right to know what and what isn't accepted by their company. Before I wrote the letter, the rep should have told me they letter would mean nothing. 

After that didn't work I disputed my XXXX XXXX and XXXX collection entirely because the information across all three bureaus don't match up correctly XXXX XXXX percent. The date opened, date reported, balance owed, last payment, and date of last active are all different across all three bureaus. I check my credit report religiously and disputed these discrepancies with all three bureaus and they have failed to remove them due to these inaccuracies. I've done a lot of research and I feel as though I'm doing everything right and they are failing to remove these inaccuracies. 

I and currently at XXXX, XXXX, and XXXX respectively. These inaccuracies on my credit report are preventing me from doing so many things its ridiculous. I'm asking you all to fully investigate this matter and have all data that is inaccurately reported removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TN

Complaint narrative:
I sent you letter XXXX requesting an an investigation into any unusual items on my credit report. I have not received a letter from you, nor have I received any evidence that an investigation has begun. Section XXXX XXXX a ) clearly state a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been XXXX  days over so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
TD Auto FinancXXXX is still showing as a closed/charged off account on my credit report. I have already taken the necessary steps to dispute the charged off account which TD Auto Finance agreed to settle my account for a pay to delete off of my credit report which TD Auto and their XXXX XXXX XXXX XXXX XXXX XXXX fixed as of XX/XX/XXXX. 

I accessed my credit report on XX/XX/XXXX, and noticed that TD Auto Finance is still reporting as a charged off account when I have the necessary paperwork stating it would have been removed off of my credit report now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: IL

Complaint narrative:
Can you please help me file a suite against these companies for breaking the law? Last year and all of XXXX  so far I have mailed letters certified to dispute items and yet the companies break the law each time.

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 2021-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Between the priod of XX/XX/2021 and today XX/XX/2021 I have been unable to access my Online banking account. I have followed the proper steps each day to access my account to no avail. I also have received every run-around excuse possible, with extensive promises of expected retun phone calls from XXXX, also to no avail. I have advised that an online issue exist with their XXXX XXXX. which effects my accounts with no realistic promise of a resolution. I believe I need your departments assitance to resolve this access issue. Unless, for some fictitous reason, that this issue solely is effecting me, this issue must be widespread and as widely spread, ignored.

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 2021-03-30 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: TX

Complaint narrative:
I disputed inaccuracies on my credit report with all 3 credit reporting agencies XXXX XXXX XXXX and Transunion XXXX on XX/XX/2020 that XXXX XXXX fails to correct. I have disputed with XXXX XXXX and provided proof of payments for the months they reported me as XXXX  days late, when in fact I paid as agreed. The CRA 's disregarded my dispute and continued to publish inaccurate information after providing them with the proof. They have violated my consumer rights and the FCRA by reporting inaccuracies and saying they verified the information was accurate. How is it possible to verify accuracy with the company I'm informing you is reporting the inaccuracies. Even after providing proof both XXXX and the 3 CRA 's fail to update my credit file to paid as agreed. 
I mailed several letters to the CRA 's and have not received a response back from XXXX. I have included copies of certified mailings and receipt returns. 
I also kept record of XXXX XXXX and they continue to report negative information to the CRA 's. However, I find it STRANGE that they do not report me as being late in their customer portal database, which was disturbing to receive a letter of Notice to Right to Cure in XXXX  days. This is ludicrous! XXXX retaliates by calling the balance to be paid in full after I contacted them inquiring about inaccurate reporting. 
My credit score has been seriously affected by the inaccuracies and have caused me to not qualify for loans that I would have been able to receive approval for.

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 2021-03-30 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: TX

Complaint narrative:
I disputed inaccuracies on my credit report with all 3 credit reporting agencies XXXX XXXX, Equifax, and XXXX  XXXX on XX/XX/2020 that XXXX XXXX fails to correct. I have disputed with XXXX XXXX and provided proof of payments for the months they reported me as XXXX  days late, when in fact I paid as agreed. The CRA 's disregarded my dispute and continued to publish inaccurate information after providing them with the proof. They have violated my consumer rights and the FCRA by reporting inaccuracies and saying they verified the information was accurate. How is it possible to verify accuracy with the company I'm informing you is reporting the inaccuracies. Even after providing proof both XXXX and the 3 CRA 's fail to update my credit file to paid as agreed. 
I mailed several letters to the CRA 's and have not received a response back from Equifax. I have included copies of certified mailings and receipt returns. 
I also kept record of XXXX XXXX and they continue to report negative information to the CRA 's. However, I find it STRANGE that they do not report me as being late in their customer portal database, which was disturbing to receive a letter of Notice to Right to Cure in XXXX  days. This is ludicrous! XXXX retaliates by calling the balance to be paid in full after I contacted them inquiring about inaccurate reporting. 
My credit score has been seriously affected by the inaccuracies and have caused me to not qualify for loans that I would have been able to receive approval for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I applied for home loan with AmeriSave Mortgage on XXXX of XXXX. 

Loan Application number is XXXX XXXX is demanding a non refundable loan processing fee of XXXX XXXX XXXX XXXX XXXX ] before they can process my application. They already have run and extracted my credit report which has hit my score. By demanding fee upront they are stopping an applicant from shopping for loans from other sources and this is illegal. 

See this judgement : https : XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation