vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Vice President Customer Experience and Executive Services XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX XXXX RE : Loan Number : XXXX SLSs failure/refusal to honor requests to correct errors and omissions Dear MrsXXXX XXXX XXXX XXXX, You said you understanding how we all must work together to deliver a seamless experience to our mortgage servicing clients. Will SLS/you please join a veteran and his wife in their seventies to end a year long fight to get SLS to verify the accuracy of claimed shortages and correct all/errors and omissions in the next 30 days listed below to make the borrower whole? 
1- Made false claims XXXX XXXX reduced the borrowers escrow, not true SLS reduced said escrow and refunded escrow funds as a surplus payments causing an excessive shortage in the borrowers escrow after servicing was transferred to SLS. 
2- SLS XX/XX/XXXX statement showed a {$19000.00} in XXXX of XXXX statement showed {$10000.00} neither of which have been verified. Please provide bills/cancelled check to verify the accuracy of any/all shortages and/or reductions, include analysis from XX/XX/XXXX till XX/XX/XXXX for XXXX and XXXX with end of the year balances for each year. 
3- SLS failure/refusal to honor the borrowers May request to place a stay on all payments, changes in payments, late fees, credit reporting and foreclosure action and more until all funds were reapply to escrow 4- SLS unlawfully used inaccurate shortage of {$17000.00} down to {$12000.00} from XX/XX/XXXX till XXXX, illegally changing the borrowers payment monthly to apparently give the impression all funds had been transferred in 30 days. The last funds were reapplied to correct the shorta and after the XX/XX/XXXX analysis the XX/XX/XXXX payment showed an accurate shortage of {$10000.00} for the first time, but its accuracy still has not been verified. 
5-SLS willful and wanton failed to reapply all funds in a timely manner, knowing conducted illegal/inaccurate monthly spreads every 30 days for three months, changing the borrower payment each month giving the appearance all funds had been transferred, then took the borrowers XXXX payment causing the borrowers account to remain delinquent.

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 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX and XXXX did not send notification to dispute dept also the dept in question is older than 8 years so the sod is up but it does not say they can not sue on the letter which is misleading. This dept was also re aged by different creditor to the year 2017. My last 4 digits of my social security are XXXX I was not able to put them in on my mobile phone in the car next step.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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.

Complaint narrative:
My name and address are mixed with someone else 's. The other person 's student loan and 2 credit card accounts also show up on my Equifax credit report. 

XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$42000.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$28000.00} Type of Account : Installment Past Due : {$0.00} Date Opened :XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Too new to rate or opened but not used Date Reported : XX/XX/XXXX Months Reviewed : 55 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Student loan Monthly payments XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$400.00} Account Number : XXX ... XXXX Payment Amount : Not Available Association to Account : Individual Balance : {$0.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported : XX/XX/XXXX Months Reviewed : 40 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX High Credit/Credit Limit : {$1000.00} Account Number : XXX ... XXXX Payment Amount : {$10.00} Association to Account : Individual Balance : {$670.00} Type of Account : Revolving Past Due : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid as agreed and up to date Date Reported :XX/XX/XXXX Months Reviewed : 46 Payment History : No payment 30 days late No payment 60 days late No payment 90 days late Prior Paying History : Comments : Monthly payments Amount in h/c column is credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX around XX/XX/2018. I bought the car and then traded it in for an XXXX XXXX XXXX. When I did this, I had Bridgecrest send the payoff amount that they quoted me, to themselves for the XXXX. XXXX/Bridgecrest is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to Bridgecrest and XXXX and it was approved. The issue here is that on my credit, Bridgecrest shows a charge off amount for the XXXX on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: Synovus Bank

Complaint narrative:
On two separate occassions with XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX, I tendered two separate U.S Dollar Checks, the FORGE INSTRUMENT which CLEARED and funds where then debited! After my Case Application as filed before the Company as you already know, I was advised IF I WILL PROVIDE, I provided for THAT to the Company, through XXXX XXXX, and much more to do with the essence underwhere I am moving in for my pay relatively, but on 2 occassions, the Synovus Bank, through XXXX XXXX, have informed me that Funds are unavailable ( approximately XXXX U.S Dollars ) to clear my check tendered to XXXX XXXX XXXX vide XXXX XXXX. 
The case is well known and the Treasury disbursed the Funds, and the FORGE Instrument is the SOME instrument that was availed for me to be able to get my payments, but the Bank, Synovus Bank, through XXXX XXXX is advising me that FUNDS are unavailable!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Carvana Group, LLC
State: VA

Complaint narrative:
I bought a XXXX 2015 XX/XX/XXXX from Carvana aroundXX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX   2015. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. Carvana/XXXX is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX  and Caravan and it was approved. The issue here is that on my credit, XXXX  shows a charge off amount for the XXXX   on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX off my credit as I properly traded that car in for the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I bought a XXXX XXXX XXXX from XXXX around XX/XX/XXXX. I bought the car and then traded it in for an XXXX XXXX XXXX. When I did this, I had XXXX send the payoff amount that they quoted me, to themselves for the XXXX. XXXX   is claiming that the payoff was {$3000.00} short. I understand that, however the quote I was given covered the full amount of the car, and I sent it to XXXX and XXXX and it was approved. The issue here is that on my credit, XXXX shows a charge off amount for the XXXX on my credit of {$27000.00}. This is not accurate as I got a payoff for the XXXX. Please remove the XXXX   off my credit as I properly traded that car in for the XXXX 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 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Case # XXXX XXXX XXXX XXXX Re : Billing Error Notice - Account Number : Do not give the account number supposal I debt Re : Collection Practices of : XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX. 
XXXX XXXX XXXX XXXX FL XXXX To Whom it May Concern : I would like to file a formal complaint against XXXX XXXX XXXX AS SUCCESSOR IN INTEREST TO XXXX XXXX. for actions taken while trying to collect a debt. And submit garnishment against salary or wages and another situation is as follows : I have received your CALLS regarding an overdue amount for {$8000.00} and try to contact you, but nobody helps me because my info does not match with your file and it is impossible give more information. A request in Court file GARNISGMENT against me. 
You are charging the wrong person in your file you do not have my correct name My social security does not correspond. 
My date of birth corresponds to a person much older than me. 
Filing lawsuits that are fraudulent and inaccurate. 
Filing lawsuits against me who are not the owners of the debt. 
Filing lawsuits that are past the statute of limitations for Florida. 
Not having proper documentation for the debt, say I owe. 


Please investigate this matter and have these practices stopped. You can contact me at XXXX or email me at XXXX or fax at XXXX. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
See thru XXXX XXXX that XXXX is showing a debt ( XXXX doesnt have this on their report ) from a company called XXXX XXXX XXXX for XXXX in the amount of {$640.00}. I have disputed this on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as a debt I dont know about. Never once have I received written notice or a phone call stating I have this debt Im trying to improve my score and its the only thing showing negatively on my report. Says this was opened in XX/XX/XXXX. Again I am not aware of this as I have not gotten any information on it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a loan with CAPITAL ONE BANK USA N. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE BANK USA N with no successful resolution. XXXX, XXXX  and XXXX   only reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank, Home Mortgage closed my mortgage loan in XXXX of XXXX and opened another mortgage loan account without my knowledge, and there has been nothing but accounting errors on behalf of Wells Fargo Bank ever since. Wells Fargo Bank has been sent copies that 2 payments were made in XXXX XXXX. One on XX/XX/XXXX and another made on XX/XX/XXXX. These payments were not applied to the mortgage loan. All other payments made after this were applied until XXXX XXXX. Payment made on XX/XX/XXXX was not applied to the loan. Two payments made in XXXX were misapplied. All payment from XXXX XXXX have been misapplied to the mortgage loan account by Wells Fargo Bank employees. Including the payment made in XXXX of XXXX. Again, Wells Fargo Bank and it's employees have made numerous errors on my mortgage loan. Wells Fargo Bank refuses to accept responsibility for the errors made by it's employees and their online site, which is not secured. This is Wells Fargo Bank 's responsibility and Wells Fargo Bank refuses to take the responsibility for it's own failings in this whole matter. Instead, Wells Fargo Bank continues to add interest, late fees, and other fees and claim it's all part of the principal of this loan. Wells Fargo Bank employees are irresponsible making Wells Fargo Bank responsible for these errors. Wells Fargo Bank has tried passing off information on all XXXX payments that is completely wrong and refuses to acknowledge that Wells Fargo Bank does not have an accurate accounting of all payments made, including XXXX of XXXX. Wells Fargo Bank claims they attempted to call me before XX/XX/XXXX, however there is no record of any attempts of contact made by Wells Fargo Bank, Home Mortgage on this date or any other date. There also has not been any statements sent to me by Wells Fargo Bank, Home Mortgage in XXXX. This proves that I have paid my mortgage loan in full. Otherwise there would be statements mailed to me on a regular basis. The only way I have gotten any statements from Wells Fargo Bank has been by filing these complaints.

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 2019-03-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bonneville Billing and Collections
State: FL

Complaint narrative:
I've never been informed of this debt. While I was checking my credit today it showed me I had this collections account and it killed my credit score. I just returned to the united states in XX/XX/XXXX and have been gone since XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
**THIS WILL BE MY 4th ATTEMPT TO RESOLVE THIS MATTER, THE INQUIRY IS FRAUDULENT!! ** In the course of recently screening my personal consumer credit report, I observed what obviously appears to be UNAUTHORIZED and or FRAUDULENT credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX XXXX, I mailed a Cease and desist, No authorization letter, dated XX/XX/XXXX the letter was detailed with inquiry details : XXXX/XXXX & Inquiry Date XX/XX/XXXX. XXXX XXXX has been negligence in providing any documentation and or documents to validate inquiry. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my consumer credit report on XX/XX/XXXX, which is the specific date alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
This collection company keeps calling me concerning a XXXX XXXX XXXX credit card account, but they have failed to provide : the name and address of original creditor, a copy of the original signed contract, delegation of authority to collect the debt, and a complete accounting of payments, interest and any fees associated with the alleged debt, per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Integrity Funding Ohio, LLC
State: CA

Complaint narrative:
Received a call on my phone on XX/XX/XXXX, saying that I owed money from a loan that was granted to me XXXX, XXXX. The caller XXXX XXXX stayed her records showed that I received a loan from first financiaXXXX. I told her I have no recollection of this. And requested her to give me the the name of the company and it information. She gave me an address, I lived at 9 years ago. Then stated I gave my Banking information for electronic draft and there was insufficient funds. I asked for a copy of the transactions but was told that it was passed the collection period and in the hands of the Attorney and if I didnt pay {$1500.00} dollars I will be reported to the state for check fraud. After I told her I can not recalled this and wanted to get verification that someone didnt use my personal information. She gave me my full social security and the last 4 number of the checking account, I allegedly gave. But still was not able to tell me what company issued the loan. I went to my bank they informed me that checking account was closed in XXXX. According to the caller I obtained this loan in XXXX and they couldnt collect the money due to insufficient funds. They also gave me my husband name and said I used him as a reference. I told her I can not remember any such transaction, but I owed money that wasnt collected I would pay after clarifying the information. She said she will give me one more day to come up with the money. This person had all my personal and banking information. I believe this is a scam because she went from XXXX to XXXX. She was calling from XXXX and she stated she works for XXXX XXXX XXXX in XXXX XXXX and the firm was representing their client first Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
im a XXXX XXXX XXXX man with XXXX and find the process of submitting my id theft report to both TU and XXXX extremely confusing and stressful.

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 2019-03-14 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:
im a XXXX year old man with XXXX and find the process of submitting my id theft report to both XXXX and EQ extremely confusing and stressful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-14 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: PA

Complaint narrative:
The following Credit Reporting company below was contacted : Equifax, XXXX. XXXX  XXXX, XXXX, GA XXXX, XXXX ( XXXX ) XXXX The 1st letter was sent to Equifax company informing them that the items on my credit report are in violation of the " Fair Credit Reporting Act - Section 609. '' The FCRA also state that items that " Can not Be Verified '' must be deleted. Verification includes an original signed document with my signature on it in which they did not provide. Also, no XXXX XXXX or Automated System can not be used for verification as in the case of ( XXXX vs XXXX [ Equifax ] ). I also, sent a 2nd letter asking in more detail about the investigation as so stated in the " Fair Credit Report Act '' Section 611 ( a ) ( 6 ) ( B ) ( iii ) but still got an automated response! 

Please see the attach documents for more detail information.

Company response to consumer: Closed with explanation