vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I have had three issues, as chronicled below : ( 1 ) I have been trying to contact a representative regarding an issue with an update to my condominium insurance policy. The phone tree for this mortgage servicer makes it extremely difficult to get through to an agent for insurance escrow purposes. Once you go through the prompts for escrow purposes and select the insurance option, you are sent through a complicated maze of options with no option for a truly " none of the above '' option. The first set of prompts provides a " none of the above '' option, but this set of options also provides only three options, none of which also applied to me. I pushed zero to try to get through to an agent, and it said this was an invalid entry and that I had to push another button to go back to the previous menu, which again had options none of which applied to me. All I wanted to do was check in with the agent regarding the status of my insurance change, and had to wait over six minutes just to get through the convoluted maze of options to speak to someone. This is inappropriate and needs to change. When I tried to submit a complaint regarding this issue once I finally got through to someone, the agent said she could not take a complaint, and I had to submit a complaint to the customer service department. She proceeded to transfer me over to this customer service department, which again transferred back to the phone tree where I could not reach anyone.

( 2 ) I made an extra payment to escrow on XXXX XXXX XXXX of {$83.00} with the confirmation number of XXXX. This amount was deducted from my bank account but I have yet to have it actually show up on the " transactions and payment history '' section of my portal. The last transaction is an escrow disbursement on XXXX XXXX XXXX for the PMI but there is no associated escrow payment of {$83.00} that shows up on my account. I have included a screenshot of the transaction and payment history table.

( 3 ) I have used a password generator to create an extremely secure password for my account, yet the website for this servicer keeps asking me to change my password every single time that I log-in. If I ever click " remind me on my next session '' on my mobile device, the website actually logs me out. I would rather have the servicer just provide a disclaimer, than to force me to update my password. Unless this servicer 's portal is insecure, I am not sure why a uniquely generated password needs to be changed every few months. If someone hacks into one of my other accounts and steals my passwords, they still would not have the password to this specific account.

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 2021-07-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A mortgage I co-owned with my daughter at XXXX XXXX  was paid off. XXXX by mistake reported a new mortgage under may name. As a result, my FICO score dropped 30 points in XX/XX/2021 After XXXX was notified about the mistake, they deleted the information but the score remains low and unchanged. 

My numerous attempts with Experian to understand the issue and correct it were unsuccessful. Experian claims it is the algorithm that is never wrong and there is no human intervention and no one can share or do anything about it. Suggested I hire an independent credit consultant.

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 2021-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I have disputed the below listed items as identity theft over 180 days ago as these items do not relate to any transactions Ive completed. It is my understanding that per the FCRA these items are to be blocked & deleted from my credit file within 4 days. They still remain on my report. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )

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 2021-07-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I have disputed the below listed items as identity theft over 180 days ago as these items do not relate to any transactions Ive completed. It is my understanding that per the FCRA these items are to be blocked & deleted from my credit file within 4 days. They still remain on my report. 

I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence.I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Police Report/Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have a Bank of America credit card on my credit report. I was never approved for a credit card. I filled a dispute with XXXX  and Bank of America responded that the charges are valid because the application was filled with my information. 
I was never approved for a Bank of America credit. I only find out about the existence of the card when I received a report from the credit bureau.

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 2021-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
I have contact Midland Credit Management to notify them about this debt. 
I received this letter dated XX/XX/2021, in which they keep on insisting that this debt is mine. 
I report them to the FTC and now to you. They claim that is a debt that I own and no action has been taken. 
I have explained that this was a fraudulent account that was open by someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have an existing mortgage with New Rez. I was contacted about a refinance and took the offfer to apply for a lower rate. The process took several months and finally closed on XXXX XXXX. 
I continued to watch the website and called to make sure my automatic payments were stopped and was assured that had been done on the old account. 
I set up new auto payments to start in XXXX on the new mortgage. 
My old account was drafted for the old amount and when I called to address this they said my payment would be refunded but only to find out that my old mortgage was never paid off and now I have 2 mortgages with new Rez that are scheduled to draft from my bank account in XXXX. 
I made several more calls and everyone tells me I have to call someone else and 2 have not returned calls as they said they would. No one wants to take care of the problem. 
Where did my refinance funds go that should have paid off my old mortgage. 
Need Help!!!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
this second complaint is a different account ( HELOC ) NOT a duplicate complaint -- -- Over the past year or more!! I have been trying to get TransUnion to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. 20297 TRANSUNION LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that Trans Union Remove from my credit reports as well as inform XXXX and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it's reporting to avoid my having to sue Trans Union for false reporting. Please see the attached showing that XXXX does not have standing and never had any rights to bill me for the 16 yrs it has been collecting on this fraudulent account. This account was XXXX XXXX then FDIC then XXXX XXXX XXXX XXXX, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.

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 2021-07-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My Bank ( XXXX ) has sent multiple recall requests and Bank of America still hasn't respond the recall. XXXX XXXX XXXX of Bank of America did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {$9000.00}. My bank XXXX requested numerous of times to Bank of America along with the police report the circumstance and and Bank of America refused to their further investigation to give me my funds back. This scam of {$9000.00} has put me in a bind financially with the owner of the property and financially. 

I met XXXX XXXX XXXX late XXXX at XXXX XXXX XXXX XXXX in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from Bank of America, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His XXXX, and XXXX XXXX XXXX Bank of America information ( routing and account no. ) I filed wired fraud investigation with my bank XXXX and filed a police report. I have all documentation needed.

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 2021-07-20 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: FL

Complaint narrative:
I have an erroneous account with XXXX XXXX XXXX on my Equifax credit report. I have requested investigation of that account in XX/XX/XXXX and XX/XX/XXXX. Equifax made an investigation and somehow verified an account. I contacted creditor directly in XXXX, but they didn't respond. 
I wonder how Equifax verified this account if company is not registered in Florida ( I looked up at XXXX Florida official web site ). However, I have sent follow up letter to the creditor demanding to validate that their account belongs to me. I also will attach proof of sent letter to the creditor and the first validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Effective XX/XX/2021 you will no longer be able to write checks from any Bank of America savings account. How can you not write a free check from your own money as a customer but instead oijoin their On-Line Banking sysytem for a monthly fee of {$25.00}? It appears to be a scam to me to make money off it's customers. It should be investigated.

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 2021-07-20 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: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
I took the loan for {$9000.00} out in XX/XX/2018. I paid all but the last two payments. I contacted them during the first of the Covid pandemic. Explained I wasnt working and not eligible for unemployment. I tried to pay the balance off with a credit card but they stated their policy wouldnt allow me to do that. I told them I couldnt pay the balance due to XXXX  until I was able to work again ( I did personally have XXXX  ). They wouldnt work with me. I never missed a payment. I was always on time. I feel they should have worked with me. I have every intention of paying them. My credit score went from good to poor because of their actions. I also had a credit card company drop me because of this. I was under the impression that XXXX  was treated with a different policy. I dont feel I deserved their actions to my credit report. I would like to dispute their conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit acceptance has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent Credit Acceptance a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.

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 2021-07-20 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: GA

Complaint narrative:
XXXX XXXX has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent XXXX XXXX a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX has been reporting late payments since XX/XX/2020. My car was totaled last year in XX/XX/2020 and the insurance company sent XXXX XXXX a check. I was unaware there was a balance due on my loan. Nobody from the company has contacted me nor sent me anything in the mail about the remaining balance. This account is reporting open when this account should be closed or either charge off. It is my right to have an accurate credit file and errors like this are detrimental to my financial well-being.

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 2021-07-20 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Over the past year or more!! I have been trying to get XXXX to remove due to false information of mortgage accounts that is fraud with many complaints some on this site. Now in light of this recent case SUPREME COURT OF THE UNITED STATES No. XXXX XXXX  LLC, PETITIONER v. SERGIO L. RAMIREZ ON WRIT OF CERTIORARI TO THE UNITED STATES COURT OF etc.. I am requesting that XXXX XXXX Remove from my credit reports as well as inform XXXX  and XXXX  this fraudulent account to improve my credit scores and increase accuracy of it s reporting to avoid my having to sue XXXX XXXX for false reporting. Please see the attached showing that Chase Bank does not have standing and never had any rights to bill me for the 32 yrs it has been collecting on this fraudulent account. This is in addition to the document experts proof affidavit already in XXXX XXXX records I already furnished them with previously stating my signature is forged and etc ... I want this fraudulent account report removed immediately. XXXX XXXX is hidden but the attached shows the mortgage was sold to XXXX XXXX then FDIC then JP Morgan Chase Bank, this means that since it was sold the " debt '' is no longer secured and no standing to foreclose or collect on it. see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
On XX/XX/2021 I payed on my account {$620.00}, and this payment was not applied to my balance/account. Additionally, interest was charged on a balance transfer and withdrawal when it was advertised interest free for 6 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation