vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: KINGS CREDIT SERVICES
State: CA

Complaint narrative:
Currently in the process of refinancing my home due to tough times. I must have a collection deleted for the refinance. I paid a debt of {$64.00} to Kings Credit Services on XX/XX/2022. They sent me a deletion letter to give to my refinancing company in future tense. Which is correct because they report to the bureaus on the XXXX of each month but it wasn't accepted being that it hadn't happened yet. I then called back on XX/XX/2022 to have another deletion letter created to complete my refinance. Kings Credit Services then states they can not change the wording of the letters even though it is in the wrong tense as of this date. I spoke with XXXX XXXX and XXXX XXXX ( Supervisor ) says their lawyers can not make these changes. XXXX then refers me to contact XXXX, XXXX, and XXXX myself and get something in writing from them. That they can not change the wording of the letters even though they are in an incorrect tense. I do not understand how this can be right. Telling me to contact the credit bureaus to do their job. All I needed was a " will be '' on a letter to change to a " has been ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: FL

Complaint narrative:
I have filed multiple disputes with TransUnion regarding an erroneous bankruptcy chapter XXXX that is listed on my credit report, the most recent one was XX/XX/XXXX. I do not believe that TransUnion is taking the necessary steps to actually verify the public record in question. I have provided them with a substantial amount of factual documentation that proves this alleged bankruptcy is inaccurate and it needs to be deleted from my credit report immediately however they continue to respond verified. Transunion sent me another credit report on XX/XX/XXXX stating public record was verified. Due to TransUnion inaccurate reporting to my consumer file, it has caused me a great deal of emotional stress and is hindering me from purchasing a home for my family. I received a letter directly from XXXX XXXX dated XX/XX/XXXX which states XXXX XXXX is not reporting a bankruptcy record. I received a letter directly from the courthouse dated XX/XX/XXXX which states they do not provide information to credit reporting agencies. If XXXX XXXX does not have this bankruptcy on file and the Courthouse does not verify information with credit reporting agencies, then who are you verifying this information with?? Under FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ], ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 2 ) The sources of the information. XXXX and XXXX are not reporting the erroneous public record. Each bureau is responsible for providing accurate information per the FCRA. How can this bankruptcy be accurate or verified if no other credit reporting agency is reporting it except TransUnion??? I have attached the dispute letter I mailed to Transunion on XX/XX/XXXX & XX/XX/XXXX, XXXX XXXX letter, Courthouse letter, Credit report, notarized affidavit, my drivers license and utilities bill for your review. This is an urgent matter please delete this inaccurate bankruptcy. Either reveal who you are verifying this information with or delete it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
I went on the government forbearance program in XX/XX/XXXX and stayed on the program until XX/XX/XXXX. I began the process of exiting forbearance with my current loan servicer XXXX XXXX. At that point we negotiated everything regarding my current payment, the forbeared amount and the structure of the new loan. My loan was then sold at this critical point to a company named Shellpoint mortgage and I began talks with them in XXXX of the same year. They did not have any record of the agreements formerly made and furthermore reported that XXXX XXXX had charged me XXXX in erroneous escrow charges for which there was never any escrow funds enabled on the mortgage since its inception. Shellpoint has proceeded to place me in a default position, not honor any forbearance measures and immediately put a XXXX late on my credit report. I finally came to an agreement with ShellpoinXXXX stating that if I immediately pay back the forbeared amount, totaling more than XXXX, they would revert the escrow charges and the payment would resume back to my normal contracted amount and finally they would remove any negative reporting on my credit. They did offer me a modification payment that amounted to thousands in extra charges and me admitting my mortgage was behind while I made 3 monthly payments of an amount they calculated. I chose to pay back the forbearance monies and now they can not find my dispute documentation while they happily collected my wire transfer. Currently they are still trying to charge me over XXXX a month in escrow payments which has no calculus relating to my actual mortgage, still saying I'm 22 months late on my mortgage and credit history and are extremely slow to respond to inquiries and reluctant to return my phone calls.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I received a letter from Select Portfolio Servicing dated XX/XX/2022 stating that my mortgage is now being transferred to a new company called XXXX. I have an open and current dispute with Select Portfolio Servicing because they assumed my mortgage from XXXX XXXX and didn't transfer over the escrow analysis from XXXX XXXX. Instead of fixing my mistake which they were notified of on XX/XX/2022 they are now transferring my loan. 

I have at this point requested to have my escrow account removed because it wasn't setup correctly when the loan transferred and at this point I'm getting the run around instead of my issue corrected. I'm more than capable of paying my insurance and taxes and want to assume the responsibility as I can do it much better than the mortgage company can.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection SOUTHWEST RECOVERY SERVICES has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy.

I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with SOUTHWEST RECOVERY SERVCES or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof.

The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 5 times ( {$5000.00} ) 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 2 times {$2000.00} 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number {$3000.00} I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$10000.00} for violations of the FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 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: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Aldous XXXX XXXX are reporting a fraudulent account on my credit. I learned of this account when my credit was hit with a negative reporting on XX/XX/20. I immediately contacted Aldous and informed them that this account is not mine, and I believe it to be fraud. I was told that the fraud investigation may take up to 90 days, and thus I opted to pay an account that wasn't mine, with a promise that the credit reporting will be adjusted. I was told the account would be fully removed from my credit. However, the account still continues to report on my credit as a paid collection. Please remove this fraud account from my credit as it is NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I pay off my balance after every use. This last payment made on XX/XX/22 has completely cleared my bank and citi bank ( best buy ) emailed me confirming the payment has been applied. My available credit is in the negative because the payment is still not posted in away that releases the available credit. I called twice and the reps have informed me they do this because " citi bank knows all of the tricks in the book and they hold the funds for at least 9 days because people somehow get their banks to return funds '' This is a deceptive practice, as the email I received confirms they have received my payment, the automated line informs it can take 3-5 days to show as such ( well past that now ). They have no statement in our agreement made to acquire the line of credit showing they have the right to retain my funds for so long without allowing me to use the agreed amount of credit. I am remodeling my home and wish to use the promotions of percentages back for certain purchases within the time-frame provided by email, I am not able to do that due to inaccurately not allowing me to use the card. If this was a real and official rule, why have they only done it for this transaction? I have made much larger payments in the recent months with no issues. I am being treated as though they are assuming I have ill intent, where I have shown none. On the latest call, the rep said she was with a supervisor and would have it fixed in 10 minutes ( whatever that involved I do not know ). I then asked to speak to that supervisor and was transferred to another one with no knowledge of my situation at all. Her name was 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 2022-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
Aidvantage is saying I have a student loan payment due on XX/XX/2022. I got this email today, XXXXand the amount for an IDR is ridiculous. XXXX? I cant pay that!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: National Auto Lenders, Inc.
State: GA

Complaint narrative:
I reached out to the company and asked them to provide me with documents showing my signature, how the loan was established and proof that the loan belonged to me. They advised me the loan was sold and could not provide any information. I disputed with XXXX XXXX and XXXX so that I could get the info and they advised me proof was provided but they could not provide it to me. I want this matter looked into because this company should not be reporting on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Ive contacted XXXX & the Creditors as well. Theyre response is to contact one another. XXXX tells me to contact Creditor. Creditor tells me to contact XXXX. 

JPMCB CARD SERVICE : XXXX / XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX JPMCB AUTO FINANCE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I didnt not authorize any of these creditors to have access to my account. I did not seek credit with any of them. These inquiriy attempts were made without my knowledge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
I have tried to secure a payoff and can not get through email or phone. This payoff the last piece to facilitate a refinance. They continue to state " it takes 7 to 10 bus days while admitting they received the request on the XX/XX/2022. In my opinion a ruse to post more interest charges. I asked to expedite through an XXXX but they left me on hold and told me there's nothing they can do. IF I fail to get this loan I will be in dire financial streights and as noted they are the only ones not cooperating with my request for help.This company has caused me severe escrow problems XXXX. Allegedly supervisor Custer " SERVICE '' " Our policy can not do anything to assist '' per Mtg dept. WILL NOT EVEN AYTEMPT TO XXXX speaks volumes!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a teenager. I have a teen account, in connection with my grandmother 's account at Wells Fargo. On XX/XX/2022 I discovered that my XXXX} Bank account balance was only XXXX. I had been at home all night - I live with my grandparents and do not drive. My ATM card was in my wallet. No withdrawal over XXXX should be accepted by the bank, and most times I receive Fraudulent Notices by text, when I make purchases in a high amount. I also only go in to the bank to withdraw money. Someone was able to withdraw XXXX} in three separate transactions on XX/XX/2022. I called Wells Fargo and reported the fraud. They said they would investigate. I called them on XX/XX/XXXX, and they said there was no evidence of fraud and I would not be getting my money back. My grandmother also talked to them, and explained that I should not have been able to withdraw the money, and I received no fraud alerts. They had no answers. I spoke to XXXX and XXXX at Wells Fargo. They said they could escalate my call to the Executive Department, and they would call back in TEN DAYS. I find the service I have received to be unacceptable. They said they could not prove Fraud, but they never said that they could not prove that I withdrew the money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hello, Thanks for taking the time to assist me. I am writing today in regards to my capital one Account # XXXX. which I had some issues with in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that I was unwell and ran into issues. I did get my account caught up and have been on time since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mnet Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I had a XXXX  at the XXXX XXXX XXXX in XXXX, Ohio. They made me pay {$100.00} up front before they would perform the XXXX, and give them an account number that the facility could draft monthly until the bill was paid in full. Three subsequent payments in the amount of {XXXX} were drafted XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. That was the last draft until I received a notice in the mail on XX/XX/XXXX indicating XXXX turned in an outstanding amount of XXXX to XXXX XXXX XXXX for collections. On the statement from XXXX, it indicated that I had not made any payment to XXXX from the XXXX date of XX/XX/XXXX to present which is absolutely false, incorrect and a misrepresentation of the facts. XXXX did not auto draft the final amount from my account as they indicated, then proceeded to turn me into collections. I am not disputing the final amount owed of XXXX per my EOB 's from my insurance company I definitely owe them that outstanding amount and have made every attempt to pay XXXX directly. My issue is a ) they turned the amount into collections completely misrepresenting that I had made no payments, and b ) they refuse to let me pay the bill without going through the collections agency.

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