vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX is the loan processor for my mortgage. However, the owners of the note is Bayview Loan Servicing, now Community Loan Servicing. I am a XXXX XXXX  and XXXX one of the XXXX in my XXXX building in XXXX XXXX CA. My day job is professor of XXXX, so I am far from wealthy. I live in a poor part of XXXX XXXX and I serve the housing needs of 4 minority, low-income families that have been in the building for years. After the pandemic started, my tenants had trouble paying rent, and I had to ask XXXX XXXX XXXX for a forbearance starting from XX/XX/2020. They consented. 

In XX/XX/2020 I submitted the paperwork request by XXXX XXXX XXXX to initiate a loan modification. After many calls with disparate customer service agents and many hours on the phone with XXXX XXXX XXXX, I was able to ascertain that the final decision rested with Community Loan Servicing. After many more hours on the phone with their customer service agents, I was referred to XXXX XXXX XXXX XXXX, XXXX ) who never answered the phone and didn't answer my voicemail messages for weeks. When he contacted me, he did so just to tell me that my account was under XXXX XXXX ( XXXX ). I was able to speak to XXXX XXXX twice on the phone in XX/XX/2020. He said that Community Loan Servicing was not capable of handling deferments at that time and that I had to wait for them to be able to do so, thereby depriving me of my rights under the law. I told him that I had the right to apply for a loan modification under the law but he dissuaded me from doing so. I then requested to speak to his supervisor. He said he would put me in touch with that individual, but never did. He also refused to give me his telephone number, and has been unresponsive to my numerous emails ever since. 

Because of XXXX XXXX neglect of duties and unresponsiveness, I am unable to proceed with my loan modification. I am accumulating massive amounts of debt and I am afraid I will lose my building, but I have no one to help. I am asking you to please intercede for me with Community Loan Servicing so that I may be able to proceed with the loan modification I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX I Spoke with XXXX XXXX XXXX representative in reference to my account XXXX and the account balance has been resolved to a XXXX balance. 
XXXX I reached out to Amsher Collection Services , Inc. in regards to their attempt to collect on the same debt with their account # XXXX spoke with a representative and advised him that he debt has been resolved with the original creditor, provided the name of the XXXX representative I spoke with and tried to provide contact information for them to confirm the resolution of the debt, he refused and said that he will wait for XXXX to reach out them. 
I ask them to stop sending communication attempting to collect on a debt I did not owe. It is not right for a collection company not to accept proof of debt resolution from the original creditor from the debtor the are attempting to collect the debt from. It should not be a one way street.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: KY

Complaint narrative:
USBancor has allowed excessive over draft fees to accumulate on my checking account that has resulted in substantial fees and garnishing of my direct deposits from employer payrolls and they have injured my chances to re-establish a better credit rating through creditors To date this Financial Institution as of XX/XX/2021 is still accumulating and charging excessive overdraft fees when I have not used Thier card in more than a week Problems in the past with this issue from inexperienced associates/agents in corporate side institution who knew or should have known my card was changed twice in the past from another account similar in numeric identification to mine with accessive overdraft fees attached resulting in negative judgement of my character that is defamatory in that they gave me a non interest bearing checking and savings account because I am not in the class of individual customers opening an account with the minimum {$100000.00} deposit in savings

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 2021-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I put a application in for a bank of america secure credit card and bank of america has declined me for a secure credit card how can I be declined for a bank of america secure credit card when I am putting up My own money to begin with I don't believe My application should have been declined because I have things on My credit report I never had a bank of america secure credit card with my bank I don't agree with My bank declining me the opportunity to get a bank of america secure credit card when I have never had the opportunity to get a sercuce credit card to begin with

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 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I was browsing on XXXX for a XXXX on XX/XX/XXXX and came across someone called XXXX XXXX who was selling them for {$150.00}. I sent an inquire to them and they sent me a this number XXXX ( XXXX XXXX XXXX to contact on XXXX XXXX. I sent {$150.00} to XXXX XXXX through zelle on the same day and he was using XXXX as his email. On XX/XX/XXXX he sent me a message saying that the store department that they got their XXXX from accidentally 100pcs of XXXX and that I owed them {$12000.00} after selling a majority of those XXXX. My intent was to use this XXXX for my own recreation not to sell and I for sure didnt want to buy them in bulk. On XX/XX/XXXX he texted me on XXXX saying that the XXXX have arrived in the U.S. and for them to get out of hold from XXXX XXXX XXXX XXXX I had to pay an extra {$1000.00}. A few days pass and on XX/XX/XXXX I decided I wanted a refund for my {$150.00} and he tells I have to wait for 14 days. Its been 14 days now on XX/XX/XXXX and now hes telling me I need to wait until XX/XX/XXXX, Ive now lost all trust in this company and I cant get my refund just from calling my bank so this is why Im taking it to these measures.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I have two direct subsidy loans that I'm working on getting forgiven through Public Student Loan Forgiveness ( PSLF ). I keep track of it diligently. In XX/XX/XXXX I noticed one loan had an extra qualifying payment. I contacted MyFedLoan and they said they would look in to it. After not hearing anything for a month, I contacted them again and was told it would take time. I didn't contact them in XXXX but sent an email requesting an update as it had been close to four months since sending the initial email. I didn't hear anything for a week so I called on XX/XX/XXXX and was told they are still looking in to it. Apparently one of my payments was off by XXXX cents due to an error with their software. But because I still have a ways to go before my loans are forgiven, I had to wait until people closer to forgiveness had their issues resolved. I'm being perpetually pushed to the back of the line. Four months is a long time to wait for an issue over a nickel that was caused by their software.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am essencial work.I request my deferment and months later I found, US BANK REPORT AS A CHARGE OFF

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 2021-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( ARS LLC ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( ARS LLC ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.

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 2021-01-25 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: SC

Complaint narrative:
Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.

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 2021-01-25 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: SC

Complaint narrative:
Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Items on my credit report that was disputed and stated removed are still showing up on my report. I was shown a file number on the removed disputes but when trying to retrieve them it would not allow to see again hindering me from showing documented proof of the removal. 1 account with an outstanding balance of {$7700.00}, and another of {$440.00} were shown to have been removed on XX/XX/21 and I want all bureaus to reflect it on my credit report. Im getting no response from them on this matter.

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 2021-01-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/2020 Ive been challenged this company. 


Dear Chrysler Capital, Thank you for responding to my inquiry about a recent dispute. Although the company has failed to provide validation of a debt. It is your responsibility to tell me the name of the creditor, the amount Is owed, and that you can dispute the debt or seek verification of the debt. as I still dont know any acknowledgment of this letter you sent out to validate such false documents. 

In your letter your asking me for accuracy information about this debt with I will attached in the CFPB. Under the FCRA Law you most report Real accuracy address to me. As you also failed to give validation proof to the national credit reporting agency. Why are you reporting false address if original contract is help within your reach? Why do I need to dispute the accuracy of trade line when I am by law been asking the 4 major credit bureaus to ask Validation but instead Ive been receiving fabrication from CHRYSLER CAPITAL not validating the account ending in XXXX as for the ADDRESS is inaccurate that was later forward to my door way. Please provide Validation of letter you send out there is no accuracy for what is being reported on my credit report and you know The Fair Credit Reporting Act ( FCRA ) is a federal law that helps to ensure the accuracy, fairness and privacy of the information in consumer credit bureau files. The law regulates the way credit reporting agencies can collect, access, use and share the data they collect in your consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: AZ

Complaint narrative:
I cancelled my account with XXXX verified my new address for me to receive my final bill so i could pay it when it was due. I never got the final bill i called XXXX several times over a 2 month period to get my balance owed or my final bill and was never provided this informaiton from any agent i spoke with. Now the bill is with the debt collection agency and i explained to them that i was never given my final bill or the opportunity to pay the bill before it ended in collections and they refuse to delete it from my report once i pay the balance i have no problem paying the balance but to this date the debt collection agent or XXXX has not given me my final bill with the break down of my charges or anything and refuse to delete it if i pay the balance they say i owe

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 2021-01-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Avant Credit Corporation
State: TX

Complaint narrative:
I am a XXXX XXXX veteran and have been called to XXXX XXXX with the XXXX XXXX XXXX for a period of at least six months. Because this period of XXXX XXXX will exceed 30 days, I contacted all financial institutions I have credit accounts with to request my protections under the XXXX XXXX XXXX XXXX. I had no problem receiving these protections from any financial institution I do business with, including XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, etc. Avant gave me constant pushback about my documentation. I provided exactly what the XXXX provided me, letting me know I report for XXXX XXXX to XXXX XXXX on XX/XX/2021 through at least XX/XX/2021 and then to XXXX XXXX after that. I provided my XXXX ID. XXXX constantly wouldn't answer my requests for days and then would send canned responses saying my documentation straight from the XXXX is not good enough, even though it clearly states exactly when I am to report and for what reasons. I have never been treated like this by another financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
New Rez LLC dba Shellpoint Mortgage was sent a wire on XX/XX/XXXX they have yet to use the wired funds to pay off my mortgage. They have had a collection agency calling me non-stop threatening me that they are going to foreclose. The title company we used has a wire confirmation where the funds were sent twice. 

Shellpoint returned the first wire to the title company with no explanation. the title company resent the wire a second time and Shellpoint has been holding the wire, this has caused me to be in default with them and it is their fault the loan hasn't been paid off. 

I have called numerous times and no one will assist me in getting this resolved. One of the people i spoke to assured me it would be resolved on XX/XX/XXXX, her name is XXXX XXXX, i never heard back from her and every time I call them i get a different person answering the phone and they are extremely rude and of no help whatsoever. 

I was told on XX/XX/XXXX that it would be resolved by XX/XX/XXXX and as of XX/XX/XXXX it still has not been resolved. They have been holding money from the title company for well over a month and will not pay off my mortgage. 

I am very concerned that this will affect my credit scores ( my wife 's as well ) and with the collection company now calling me i am very worried about this situation. 

This company does not want to answer questions, they say they have no records of all the numerous phone calls i have made. I can never talk to the same person when i call in and they are very rude to talk to.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am in the receipt of your company 's letter informing me you are handling the collection of this account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between ( PORTFOLIO RECOVERY ASSOCIATES ) and me which makes you a person entitled to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of contract to substantiate your claim. Provide me with a certified copy of an original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of contract will constitute your tactic agreement that you, ( PORTFOLIO RECOVERY ASSOCIATES ), are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I will file a complaint with the Attorney General and FTC, and file a police report against your for harassment and invasion of privacy. You have 30 days to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collections efforts and immediately remove any derogatory information reported to the consumer reporting agencies. If you transfer this account to an attorney without providing proof of contract, he/she will immediately reported to the State Bar Association and Professional Liability Fund for code of ethic 's violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I went to the closing today at XXXX XXXX/Monday ; XX/XX/2021 and nothing was sent for me to sign to close on my home. 
I am also using the XXXX XXXX and it has not been put through.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have reached out to Transunion and XXXX regarding inaccurate, and erroneous items on my report. Each time no information was provided to me how they verified each item. I mentioned to them I was apart of the XXXX data breach as well as a data breach through XXXX XXXX and Im afraid my information feel into the wrong hands. I provided detailed information on the inconsistent information on my report. These items are injurious to my 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