vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: FL

Complaint narrative:
I have been on a financial hardship Forbearance plan due to Covid-19. The forbearance has expired on XX/XX/20, for the past 3 months prior to the expiration date, I have been in touch with the loan servicer Selene Finance to find a resolution to the forbearance. They asked me what type of income do I have, I told them that I was getting unemployment, I was told that unemployment is not considered an income. Therefore I am not a candidate for any resolution. Early in XXXX, I requested a 6 months extension of the forbearance I was told to send in a hardship letter which I did, and now they are requesting two paystub and two months off bank statements. I feel that they are playing a game so that I can place me in a vulnerable position for them to foreclose on my house. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures. 
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by Portfolio Recovery Associates LLC. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by Portfolio Recovery Associates, LLC. I claim that no such documentation exists in the file contained with your court. Portfolio Recovery Associates LLC has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable. 
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted. 
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ). 
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Banc One Mortgage Corporation
State: CA

Complaint narrative:
I am refinancing my mortgage with my existing bank. After submitting my application, I received an unsolicited text message from XXXX XXXX XXXX asking whether I authorized the pull on my credit and whether they could offer a second opinion. I have never had any contact with this company. This screams scam or, if not, wildly inappropriate for a company to be monitoring my credit reports to see if I make an inquiry. They have acquired my name, phone number, address, and credit report without my knowledge or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX is a deplorable operation that breaks every rule pertaining to actual debt ownership and legal enforcement procedures. 
CASE NUMBER : XXXX I XXXX XXXX submitted a written answer to the above referenced lawsuit earlier this year. I along with the rest of America have been trying to surround a pandemic, and I deserved at least a hearing pertaining to actual ownership of any acquired debt by XXXX XXXX XXXX XXXX. If I was granted at least a hearing I would have demanded true copy ordinality of ownership of any debt acquired by XXXX XXXX XXXX, XXXX. I claim that no such documentation exists in the file contained with your court. XXXX XXXX XXXX XXXX has throughout the last decade ben a defendant on multiple class action lawsuits collecting on phantom debts. If there is not true copy original documentation relating to ownership, then this debt should never have been considered enforceable. 
I would be granted relief in a federal court, but there simply is not a {$75000.00} standard on damages. I am however right in my position that this default judgment is unwarranted. 
II. LEGAL STANDARD Under 28 U.S.C. 1441, a defendant may remove " any civil action brought in a State court of which the district courts of the United States have original jurisdiction. '' A federal court has original jurisdiction over a civil action where there is complete diversity among opposing parties and " the matter in controversy exceeds the sum or value of {$75000.00}, exclusive of [ *4 ] interest and costs. '' 28 U.S.C. 1332 ; see also Carden v. Arkoma Assocs., 494 U.S. 185, 187, 110 S. Ct. 1015, 108 L. Ed . 2d 157 ( 1990 ). Typically, a defendant must file a Notice of Removal of a civil action within thirty ( 30 ) days of receiving the complaint. 28 U.S.C. 1446 ( b ). However, where it is not evident from the face of the complaint that a case is removable, " a notice of removal may be filed within thirty days after receipt by Defendants... of a copy of an amended pleading, motion, order or other paper from which it may be first ascertained that the case is one which is or has become removable. '' 28 U.S.C. 1446 ( b ) ( 3 ). Additionally, when a case is removed, " all defendants who have been properly joined and served must join in or consent to the removal of the action. '' 28 U.S.C. 1446 ( b ) ( 2 ) ( A ). 
I demand the vacate of the default judgment and I will take this insult to the Texas judicial system to the Federal Trade Commission and the Consumer Financial Protection Bureau. The law firm involved in this injustice will have to answer to the Texas Bar Association. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( 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 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Good Evening Capital One. As you can see, I have a long-standing relationship with your company but today I was shocked when I reviewed my credit report and found late payment on XX/XX/XXXX and XX/XX/XXXX for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected or fast enough. I check my bank account and noticed that you deducted the money out of my checking account on the month that you marked me late on my credit report. Today, when I saw that balance I went ahead and made full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 3 months later, I have not received a response yet. I know they are backed up because of Covid but I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted immediately. I demand that these accounts be deleted immediately or I will file for litigation due to the stress these people are causing me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong people.

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX, 2019, TRANS UNION RENTAL SCREE add a hard inquiries on my credit report per TransUnion.

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 2020-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I've never received anything from this company, and I thought by law I had to be notify at least 5 days before something is place on my credit report. I've reached out and nothing has been responded to and it's making me mad

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX of 2020, while I was XXXX, I had set up an automatic payment for my credit card with Suntrust. It seems like it did not go through and for some reason, it now shows that I am delinquent 30 days. I made a payment to catch up, but it is still reporting to the credit agencies. Request this information be corrected on my credit report since I was XXXX and from looking at my report, I have no other delinquent payments through them.

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 2020-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: TX

Complaint narrative:
GreenSky XXXX XXXX XXXX, XXXX, GA XXXX, XXXX, authorized a loan for an AC Unit and air handler on XX/XX/2020. I disputed the loan amount with the company that installed the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, XXXX, however, Greensky canceled the dispute on XX/XX/2020, although I had not received resolution from XXXX XXXX XXXX XXXX. I have attempted to resolve this problem myself, but my attempts have been unsuccessful. 

I was promised products that have a lifetime warranty ( XXXX ) for both the condensing unit, compressor and air handler/furnace. Was advised of price difference between XXXX/XXXX, but was still charged higher amount although I didn't receive the products that have higher warranties. Condensing unit fins and coils were damaged. Model XXXX XXXX XXXX ton. I requested a new condensing unit with no damage and the company was unable to provide an undamaged unit and did not provide discount for damaged goods installed. My neighbors had a XXXX XXXX XXXX XXXX XXXX ton compressor and air handler/furnace installed for {$7200.00} with a licensed local competitor. 

Deceptive and abusive sales tactics were used. Here were some of the things said to me, " When we offer 0 % financing we have to pass along the cost to our customers. '' I have filed complaints with the XXXX XXXX XXXX  and a price gouging complaint with the Texas Attorney General which are all public record. 

Attached are the receipts for my purchase and the receipts for my neighbor that show how much they overcharged me on the same size AC System from a local competitor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I've seen no changes for the accounts that I have filed last month, I still see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My mortgage lender CIT bank has been charging me for extra for home insurance even though I've had home insurance this whole time. Since XXXX they have deducted {$550.00} every month, even though they had all the paper work proving that I have home insurance. I noticed this in a few months later and spoke to a representative. They said they would fix the problem since it was there mistake and issue me a refund. They have still yet to do that. They continue to charge me {$550.00} every month and haven't sent me back the refund. Every time I call them they blame the person I spoke with prior and promise to issue the refund but never do. 
I'm at my wits end because I don't know who to contact to report this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am very upset as a Cardmember how I am treated by this bank everytime they never give me a increase in this card their system always find a reason to nkt give me one Ive been loyal for years and have never gotten a single increase I deserve it but instead they rely on my credit which is good unbelievable

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P.
State: GA

Complaint narrative:
I checked my credit report and found an account in collections that is not mine. The original lender for the account is XXXX XXXX XXXX XXXX opened 1 Years, 4 Months ago. The collections company is PARAMOUNT RECOVERY. I lived in Arizona years ago but have not been in the state since XX/XX/2016there is no way this account is mine. It is fraud and terribly hurting my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding, LLC was sued and lost the lawsuit for applying charges, fees and other as a mean to state a consumer owes them money. Their account firm is disconnected from management, management is disconnected from collections and collections is disconnected from legal and court filings - this is done to increase convolution associated to any claim. MIdland Funding, LLC has picked up their practice what appears to be a scheme to use the court system a means to cheat Americans. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I recently submitted a dispute with Experian and submitted proof to Experian in reference to an agreement made by XXXX XXXX XXXX and myself, XXXX XXXX. The agreement was recorded by XXXX XXXX XXXX  And I to pay 2 payments of {$780.00} which was to be debited from my account on XX/XX/2020, which they collected and the final payment of {$780.00} on XX/XX/2020, which they did not collect which they broke their agreement. Then they sent the remaining balance to another company and increased the payment. I called Experian and spoke with one of the agents and they overlooked the fact that this company broke their agreement and placed this back on my credit under a new credit reporting agency called XXXX XXXX. Because I made this agreement with XXXX XXXX XXXX and they broke the agreement With me, i demand that Experian remove this from my credit report. I also request that Experian send me a full copy of how they performed their investigation and verify that they submitted the copy of the first payment of {$780.00} that XXXX XXXX XXXX received from my checking account. Including copies of the recorded agreement between XXXX XXXX XXXX  made to send to my attorney. I know that Experian did not do a through investigation because if they had, this item would be deleted under the fair credit reporting act. I also spoke with XXXX and the collection representative stated that they no longer had the account. Then told me to call XXXX XXXX, which is a third party collection agency that they evidently sold the account to, after XXXX XXXX XXXX  collected my money from the agreement made with them and XXXX. These companies are running a scam and will be also reported for legal investigation.

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have been challenging a few accounts listed on my credit report with Experian, XXXX, and XXXX  for the past few months with no avail. 

The first letter from early XX/XX/2020 was sent to all three boroughs asking that they verify the accounts that were listed by providing the legal documents associated with them. They did not provide any documentation verifying the information within the 30-day timeframe, and also marked the investigation as complete. I was advised by Experian and XXXX  that the accounts will remain on the credit report because they had been verified. I sent a follow up letter requesting they explain how they conducted their investigation and it was not responded to. I did not hear back form XXXX  at all. 

In addition to that, Experian refuses to update my account to reflect my correct name, current address, employer, & phone number. I sent a letter early XX/XX/2020 and have also made a follow up call. The representative refused to advise how many addresses they have or where they obtained the information from. When advised that I had no issue with the other boroughs updating that information, the representative stated that it was because Experian " is the best at what they do '' and " have the most accurate reporting ''. That call ended without my demands being met.

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 2020-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
This credit bureau is inaccurately reporting payments as late for the months of XXXX, XXXX and XXXX when I made the payments on time, which is the last day of the month when my car note is due to XXXX XXXX. The loan is now paid in full but the inaccurate derogatory marks for the month of XXXX isnt correct.

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 2020-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I submitted complaint # XXXX on XX/XX/2020 against Loancare LLC. I received the company 's response on XX/XX/2020. However, the company 's ( Loancare ) explanation is questionable. LoanCare says in the response letter that the charge to me of XXXX $ is for their payment to XXXX for recording the deed. But they did not provide receipt for that payment. Instead, they provided a copy of XXXX countys fee schedule. Nobody will use a price tag as proof of payment. If they did make the payment, they should provide the payment receipt. My title company charged me XXXX $ and paid to XXXX for deed recording ( Receipt # XXXX, see attachment ). XXXX county office will not change two times for deed recording for one re-finance. Please ask Loancare to provide receipt for their payment as deed recording fee for their XXXX $ charge. If they cant provide payment receipt, they should refund my 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