vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 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: REPUBLIC MORTGAGE HOME LOANS, LLC
State: MS

Complaint narrative:
Trying to get my credit report accurate and remove legally items, that have been removed and placed back on my credit. If tis doesnt work I will hire someone to do so immediately

Company response to consumer: Untimely response
Consumer complaint received 2019-04-05 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I obtained a copy of my XXXX  credit report and observed a credit inquiry from one main financial on XX/XX/2017 which I did not authorize and is having a negative impact on my credit history.one main financial has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: Professional Finance Company, Inc.
State: MS

Complaint narrative:
I no my rights by law XXXX is putting all types of things on my credit. I have been researching the law and requirements also. If I need to hire a company to fix my credit I will do so. I have 9 inquiries from XXXX that isnt legal. Things on my credit and derogatory remarks that shouldnt be on there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank claims to be calls just about every hour even before XXXX and after XXXX never left a message

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 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
At the end of XX/XX/2018, NewRez contacted me about my loan application with XXXX XXXX   and offered me to match or make a better offer if I applied with them as they will offer me a portfolio loan meaning NewRez was in need to sell my loan. By midXXXX, I started a new application with NewRez and I received an approval in XXXX. However, NewRez did not fund the transaction explaining by the end of XXXX that the loan could not close because the property was title on a Land Trust even though this was disclosed at front along with the trust documents from the beginning of the loan application. Then, I agreed to remove the property from the land trust as I was assured that this was the only item holding funding after underwriter review. 
Just after the property was removed from the Land Trust I filed a new application with NewRez as it was instructed and a second approval was received on XX/XX/XXXX. However, Im still waiting for closing today and the file still under review. NewRez requested updated documents like title work, updated statements, a letter from one of my lenders, title work, proof of insurance and these documents were provided in a timely manner. Ive been told several times closing is next Friday as everything else has been approved, but the title company confirmed that NewRez has not sent finalized documents to fund the transaction tomorrow XX/XX/XXXX. 
I had spent money and time to fulfil every request, I paid to remove the property out of the trust, I paid for the appraisal and I put a hold to my business, so I do not change my financials or credit history while the file still pending with the underwriters. In sum, my file has been under review with the underwriters for final review for more than a month, but no one seem to be taking my file seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: OH

Complaint narrative:
I held a Summer Lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX. I resided at XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I received a statement dated XX/XX/XXXX regarding {$210.00} for move-out damage fees relating to painting a common area and trash removal for a unit that housed 4 other residents. 

I was not in the unit long enough nor used it fully to cause any damages. I had pictures to prove the unit was left in excellent condition. I spoke with XXXX XXXX at XXXX XXXX Leasing Office. ( The Leasing Office was very disorganized- I received several eviction notices and late payment notices  by mistake during my time at XXXX XXXX, despite my on-time payments. ) I was told that the file could no longer be accessed by the Leasing Office and I was referred to XXXX Account Receivables Department. I called the Account Receivables Department several times but no one answered or returned my calls. I spoke with a woman and man on different occasions, both said they would check the file and get back to me. He never did and I never received any further communications from XXXX XXXX or XXXX Account Receivables since XX/XX/XXXX. 

Here it is over 8 months later and I received a call from a collections agency regarding the statement. On XX/XX/XXXX I received a call from a debt collection agency and I again called XXXX XXXX on XX/XX/XXXX and spoke with XXXX XXXX who emailed XXXX XXXX on XX/XX/XXXX. I also emailed " XXXX '' on XX/XX/XXXX regarding the matter. XXXX XXXX responded on XX/XX/XXXX and he alleges that XXXX tried to call me and left voicemail and sent an email and then they sent the account to collections on XX/XX/XXXX. However, the collection agency said the account was sent to them on XX/XX/XXXX. I have phone records to show my phone calls to XXXX and XXXX XXXX. On XX/XX/XXXX I responded to XXXX and told him I do not have any record of any phone calls made from XXXX to me nor any emails. Additionally I asked XXXX that since he was now answering me would he like to address my dispute, and he said the account is no longer in his control and I must work with the debt collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX XXXX closed my credit card after I paid off the full balance owed. I make the payment on 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 explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am XXXX. Due to a rehabilitation of my home because of my XXXX, I had to move out of my residence while XXXX XXXX hired contractors rehab my home. During this time I had to not only pay the mortgage and utilities at my home and pay rent somewhere else. This caused a great financial burden on me because I couldnt afford it. I fell behind on the mortgage. 

Since then, I have been asking to have my loan reinstated and put the past unpaid payments on the back of my loan. I have had a mediation with Bank of Americas Attorney. I have submitted the documents they are asking only to find out that Bank of America was not reviewing the documents. And after I kept calling Bank of America, I was told by Customer Relations that an underwriter kept denying my loan stating that my income could not be verified. They are not telling the truth because Im on XXXX and they have a copy of my awards letter. I was also told that the underwriter stopped reviewing my loan because he/she they questioned my XX/XX/XXXX taxes. Im having concerns about that because I have never been audited by IRS and the underwriter has never asked for an explanation. It is my understanding that the paperwork sat on the underwriters desk for a long period of time ( at least a year ). 

Please help because I dont have any where to go. The price of rent is way higher than I could afford. 

Im asking for my loan and loan modification to be reinstated so that I can stay in 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 2019-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: MN

Complaint narrative:
I have a student loan with American Education Service. The lender has been increasing my payments each month for the last 8 months. The monthly payment has not been the same each month. Back in XX/XX/XXXX my payment went up from $ XXXX/month to {$270.00} that month. I called and asked why the payment was raise. At that time I was unemployed and asked for the payments to resume back to the {$100.00}, they did. But now the payments went up again to {$130.00}. I have contacted them and asked for a future monthly repayment schedule and all they tell me is that they will send a past payment history. Next year they tell me my monthly payments will be {$400.00} - {$500.00} per month. Why? All I've asked them for is a future payment schedule so I can budget my monthly expenses. They also tell me that there is no loan forgiveness like teachers or people who serve in public services get. I am a retired XXXX/XXXX XXXXXXXX  of a 10 year service. I left the force, relocated to go back to school, but I do not get any forgiveness on my loan. Why? I went back to school for a degree that I have not got use since graduation in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
XXXX XXXX XXXX represented by Selip & Stylianou , LLP put a hold on my bank account because they state I have a debt with XXXX on XX/XX/XXXX which was paid back in XXXX and it was paid to XXXX XXXX XXXX XXXX ASSIGNEE OF XXXX I send them the proof of my check being garnish by the Sheriff and they are stating it is not the same debtor and I only had an account with XXXX  '' XXXX '' is the bank for that store

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 2019-04-05 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:
XXXX XXXX XXXX XXXX contacted the company they told me they are unable to verify the debt, and that to have the Equifax remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
XXXX should not have decreased my credit line after I paid most of the line down. Companies should not be able to close a card/decrease credit they have issued to you unless you make late payments to them. They should not be allowed to change or modify your account with them because of other things that occurred with a different company after you were showed to be worthy of credit with them unless they clearly submit it in writing to you or ask you over the phone. I had fraud and that affected my credit, but that never affected this account. I paid my XXXX store credit down by more than 50 % on XXXX XXXX, 2019 and then they lowered my credit amount. That is very deceptive. When I allied to inquire they said all they could do was run my credit again if I wanted to see if I would qualify.

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 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI

Complaint narrative:
USAA has had around {$5000.00} of my funds on either hold or just missing. On XX/XX/XXXX I made a check deposit from one of my accounts to another one held by usaa. They then proceeded to put a 7 business day hold on my funds. I was never informed of why, and the time-frame was only disclosed after I called in to look into this. USAA also received $ 1400+ from my XXXX XXXX XXXX mortgage account for home owners insurance on XX/XX/XXXX -this was a wire from XXXX XXXX XXXX . USAA told me they never received these funds and I was left wondering where they were. XXXX  XXXX XXXX confirmed the wire and as of today XX/XX/XXXX USAA has no idea when I will be receiving these funds. It is entirely unacceptable for them to have this much of my money on hold or missing for no apparent reason. As someone who works in banking a 7 business day hold is unheard of. I also do not appreciate USAA 's agent telling me that writing a check to myself is " illegal '' and this is 100 % not true at all. 

I feel this practices combined represent a severe and material violation of Regulation CC, UDAAP, as potentially RESPA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Belkclosed my account after I paid my credit card off. Companies should not be able to close a card/decrease credit they have issued to you unless you make late payments to them. They should not be allowed to change or modify your account with them because of other things that occurred with a different company after you were showed to be worthy of credit with them unless they clearly submit it in writing to you or ask you over the phone. I had fraud and that affected my credit, but that never affected this account. I paid my Belk card off on XX/XX/2019 and then they closed my amount. That is very deceptive.

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 2019-04-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received an updated copy of my XXXX credit report which shown a hard inquiry from Bank of America on XX/XX/2018 which I did not authorize. Bank of America has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX   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 2019-04-05 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: TX

Complaint narrative:
21ST MORTGAGE HAS AN OVERPAYMENT ON ESCROW THAT NEEDS TO BE APPLIED TO THE BLANCE THIS IS AN ON GOING ISSUE EVERY YEAR WOULD LIKE THE {$470.00} ODD DOLLARS APPLIED TO THE BALANCE SO I CAN BRING IT CURRENT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I placed a freeze with all three credit reporting agencies about two years ago when I was a victim of Identity theft. Two of the agencies removed the freeze at my request as I'm applying for a mortgage. I've called equifax 4 times in 3 days. First time I'm told all systems are down and its not possible to life the freeze. 2nd call, someone who can not comprehend the english language starts asking me questions and can not clarify the question but they don't ( per what they said ) can only state what the computer screen tells them to say. The security question they ask " what is the monthly credit card payment? '' They can not tell me which credit card they are referring to, and as I advised them, they should know that a monthly credit card payment varies every month depending on usage. Then they ask me if I have ever had a bank, auto or student loan and who was the lender. I advised what time period as I've had multiple ones of all three types. They could not answer because they say " what appears on my screen. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
I received a copy of my updated XXXX credit report and observed a hard inquiry on XX/XX/2018 from ford credit and XX/XX/2018 from XXXX XXXX XXXX dealership..I did not authorize these inquiries on my credit report and I did not even walk into XXXX XXXX  XXXX dealership on XX/XX/2018. Ford motor company has not given me written documented proof I consented to these hard inquiries as required per section 605 and section 609 of the federal credit reporting act and proof of accuracy of inquiries as required per section 623 of the federal credit reporting act..I have been a victim of identity theft in the past per my fraud alert on my XXXX credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The Santander Bank has repeatedly lied over the years to me about their practices. I recently asked to remove my escrow as my payment increased almost {$100.00} for the first time in 24 years. I was told to wait to make the payment as they were going to stop the escrow and instead of paying {$670.00} the payment would be {$370.00}. They told me to send in {$95.00} to wipe the Escrow out. I had sent in the money and did not make the payment. I called on Friday, XX/XX/XXXX and was on the phone with collections and the escrow department, talked with at least 5 different people and was told 5 different stories. After hours on the phone and complete frustration, I got nowhere. I called again Monday, XX/XX/XXXX, and also got nowhere. I talked to 2 different Supervisors and got two different answers again. The took my financial records and told me that I would eligible for a repayment plan. She said the payment would be almost {$1200.00} a month for three months. I asked is that all you can do for me since this is your fault and she got snippy with me and said, go borrow the money from your friends or a loan company or a 401 K.At that point I was at the point of tears and I hung up. XXXX XX/XX/XXXX I got another letter from the bank telling me to send in another {$95.00} and they will wipe the escrow out. I am two payments behind now because in XXXX XXXX, the did the same thing and I have never caught up. They are horrible, no one knows what they are talking about and two letters telling me to send in money and they know it can't be done, please help, it's now affecting my husbands credit score. This is awful.

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 2019-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lustig, Glaser & Wilson, P.C.
State: MA

Complaint narrative:
In XXXX Lustig, Glase rand Wilson put a judgment on my property without contacting me of a court date. They charged me over {$6000.00} with interest. I recently received a debt collection notice from Nevada stating I owed them over {$13000.00} for this judgment. 
This debt was from my deceased husband and I from before XXXX. At the time in XXXX, I was going through XXXX treatments until aprox XXXX. I was on XXXX all the time since XXXX. I am now XXXX XXXX XXXX and in no way able to pay this debt. 
The company I received a notice from is XXXX XXXX XXXX in Nevada ... I don't know if this is legit.

Company response to consumer: Untimely response