vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CT

Complaint narrative:
My mortgage servicing company escrowed too much money from my mortgage payment to cover home taxes owed to the city. Escrowed {$5500.00}, acording to box 11 of the XXXX from my mortgage company, when only required $ XXXXI 'm faxing to Mortgage servicing company statement from city tax collector indicating this fact and I'm requesting a refund of difference of over payment. I would like a review of past statements to see if previous years had discrepancies also.I 'm in the process as I write this complaint of faxing info as I've had disputes in the past with refunds with one dispute where I've had to seek the help of an attorney to resolve for which I wasn't totally satisfied after.This mortgage company has, with me, a history of confiscating money from me and leaving me bewildered as to what happened and why ... I'll attach statements..I do not trust this mortgage company to be fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, never late XXXXXXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX XXXX Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: MS

Complaint narrative:
I just ordered copies of my credit report with XXXX due to identity theft against my credit, and late payments for XXXX XXXX XXXX  XXXX, XXXX XX/XX/XXXX EXPXX/XX/XXXX EXP-XX/XX/XXXXXXXX ), XXXX XXXX, never late XXXXXXXX XXXX ( not clearly stating the late payments ) and never late XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX- XX/XX/XXXX XXXX, XX/XX/XXXX-EXP, XXXX XXXX, XX/XX/XXXX -EXP Credit bureaus dont consider a payment late until it is 30 days past due, however these are showing late on my credit report past 30 days which is inaccurate.

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 2018-03-17 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I am in receipt of your companies letter informing me you are handling the collection of the account mentioned above. However, after reviewing my records I am unable to find any original contract documentations of any contractual relationship between name of company XXXX XXXX XXXX XXXX XXXX XXXX and myself which makes you a person in title to enforce a commercial claim against me. This letter is not a request for verification or validation. This is a request for proof of original contract to substantiate your claim. Provide me with a certified copy of anoriginal 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 ofa notary public who doolie swears the copy made is in fact a copy of the original paper contract in question. Failure to respond and provide strict proof of original contract will constitute your tactic agreement that you name of president and name of company are not entitled to force a claim againstme. In the event you continue your collection without any proof of the original contract, i will file a complaint with The Attorney General and Federal Trade Commission and File a police report against you for harassment and invasion of privacy. You have 72 hours to provide strict proof of an original contract. In the event you can not provide strict proof of the original contract you must cease, dismissed, permanently remove any collection efforts and immediately remove any derogatory information reporting to the consumer reporting agency. If you transfer this account to an attorney orsell it to another Creditor without providing proof of the originalcontract, it will be immediately reported to the state bar association and professional liability found for code of ethics violations. Sincerely XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I've submitted two requests for the same paid off account with two credit reporting agencies and they have removed the collection. XXXX   wasn't contacted for some reason and they still have it listed and it's hurting my score. XXXX XXXX XXXX and XXXX XXXX # XXXX opened XX/XX/XXXX has been paid off since XX/XX/XXXXthe number listed on the report is XXXX. I pray that these agencies would and banks would just do there jobs. Your help will be greatly appreciated please!

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 2018-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: OH

Complaint narrative:
Today XX/XX/XXXX I received a call from Westlake Financial Services that they had taken over my loan from XXXX XXXX XXXX. I had received no prior notice giving me any time to refinance my loan thru another company as I do not want to do business with Westlake. I do not want to have my loan via a company that has had multiple lawsuits against them for deceitful lending practices as well as other concerning things like their deceitful debt collecting tactics. One of the lawsuits just ran out on XX/XX/XXXX for consumers to file against them. Which is very curious as to their take over 5 days later and makes me wonder if this is why there was no prior notice. I talked to Westlake and they could give me no information other than it was a " business decision '' and to talk to XXXX. Which every number i have tried for them goes to a generic voicemail. This seems very off to me and I would like time to find another lender for my loan. However I have a payment due in 7 days and I do not want to go thru Westlake. I feel this was done in a very unprofessional way and illegally as there was no notice of this takeover. And i have received nothing from either company with any of the details of my account or anything else. Yet Westlake expects me to just make my payment to them next week.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have struggled to increase my Credit score for the last year, getting a score of almost 700, which after horrible abuse from a husband and finally getting a divorce was a great achievement. BUT>>>>> On XX/XX/2018 I contacted XXXX to start repaying a 20 year loan. XXXX, instead of helping me they reported that I was 90 days late to TRANSUNION AND XXXX agencys PLUMMETING my credit score to XXXX which is horrible and below average. 
I tried calling to correct this and they replied ... ... .. TOO BAD!!! 
They have harassed me for years and I would go into forbearance on their advice. 
My score is so important to me as I have really tried hard to make it better for obvious reasons. PLEASE help me remove XXXX  NEGATIVE reporting on my credit report I borrowed XXXX for school and now it is close to 14,000.00. 
I have read that XXXX has class action law suites against them and would like any advice

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 2018-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There was a fraudulent charge made on my credit card on XX/XX/XXXX. I disputed it immediately. Chase listened to my situation, and said they will be able to handle it without issue since it is clearly fraud. The situation was that a merchant, XXXX, charged my credit card without my consent while my account with them was closed for over a week. There was no way I could have authorized that charge. Also, I had opened up a dispute with that merchant regarding a purchase I did not receive earlier that month. Chase did resolve that issue for me. However, for this fraudulent charge, I was told on XX/XX/XXXX that they can not claim it as fraud because I had a previous relationship with the merchant. That makes no sense. If someone stayed at a hotel before, and then gets charged again a week later when they did not authorize it, that does not mean it isn't fraud because they stayed there before. Now, that representative said they will put the charge of {$3300.00} back on my card because they need to open it as a dispute against the merchant like my other charges. However, that makes no sense because again, I did not authorize the purchase for anything for this amount, so there is nothing to dispute other than a fraudulent charge. Their reasoning is hypocritical. I gave them a chance after escalating other claims on my other cards before, which they resolved. But since this unsatisfactory work and severely inconvenient process is happening again, I will be closing all my chase accounts if this does not get resolved. If this case should have been opened as another claim, they should have told me back in XX/XX/XXXX so that it can be resolved by now. Now, I have to wait another 2 months for a resolution which may not be in my favor because the circumstances in which they are disputing it is incorrect. I will make this and all other frustrations I had with Chase public to all forums, review sites, and personal contacts. Not only is the process not working to help me, their employees have been unprofessional. The specific employee who says my charge is not fraud for reasons that make no sense is XXXX ( XXXX ext XXXX ). I also want her to be punished for incorrectly assessing my situation. My attachments ( screenshots of my account before it was closed ) also show that the merchant XXXX never gave me anything for my previous purchases, and there is no reason why they should have charged my credit card any amount without my consent after my account with them was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I'm filing this complaint against wellsfargo mortgage because they have repeatedly not communicated with me on my mortgage application and have repeatedly run my credit, which has resulted in my XXXX  scores going down almost 40 points in one week. 

I have scores of XXXX  XXXX, XXXX was XXXX ( then they ran my credit over 5 times ) and now it is XXXX, and my lowest XXXX was XXXX ( now it is XXXX dropped 40 points ) from all the hard inquiries they did to purposely sabotage me. I '' m enclosing most of the screen shots of my credit and most of the times they ran it as proof. When they wouldn't return my emails or calls, I started to call until they answered me. They told me that they couldn't see my credit and so they kept running it. When I called all the credit bureaus I was told that wellsfargo needed to contact them directly through their business line, because there were profile errors on my reports, causing them not to be able to see it. The credit bureaus told me that wellsfargo should have immediately noticed that the reports weren't coming through and should have contacted them through the direct line open for corporations to establish issues such as what was occurring with me, so as not to cause any drop in scores from multiple hard inquiries. 

Now wellsfargo is denying my mortgage for low scores! Really, I had over the threshold of 600 as my average and now with the 5 times they ran my credit they dropped me significantly. Now they are saying that it requires special underwriting? ON every website wellsfargo states that the requirement for a VA loan is 600 and verifiable income. Both me and my wife make a combined XXXX a year and both have over a 600 in credit scores when you average all 3 bureaus. I have a VA Certificate of Eligibility which backs the loan with federal funds, income, the credit score, and below 35 credit utilization. What is the problem? I'll tell you what it is, an inability to serve people honestly and correctly. Veterans should not have to put up with this garbage. 




XXXX XXXX Mortgage Processor ( SAFE ) NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX ext. XXXX | Fax 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 2018-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX is attempting to collect on a debt that they are aware is over 10 years old. I've notified them that the debt is old and it should be removed from my credit report. They told me " they don't report to the credit bureaus '', which as I understand is a very old tactic. I asked for proof of the debt, which they sent, and confirmed that it was old and should not be reported on my credit. I again requested that they remove the debt from my credit report. They have not complied and are telling me that the debt is still valid when they were never holders of the debt and the utility company is no longer collecting on the debt, as it has aged out of their system.

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 2018-03-17 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: FL

Complaint narrative:
There is a negative report from XXXX XXXXXXXX XXXX on my credit report which states that I had a past due payment of 30 days. That account has been closed and I have no idea why there would be a late payment recorded when there is no balance. I want this negative removed from my credit report which is otherwise flawless. The account was opened XX/XX/2008 and closed since then so I don't know why anyone would report a one time late payment that remains to the present time. I don't know why the payment was late but I pay my bills on time and find this report suspicious. I would appreciate someone contacting me from XXXX XXXXXXXX XXXX to inform me of how I remove this negative comment. My email is XXXX Thank you

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 2018-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
{$2100.00} XXXX XXXX is saying I owe this amount, I dont know where this came from. XXXX is reporting this I have a complaint in with this bank already. This is being reported on XXXX  and XXXX as of XX/XX/18. I need documentation proving that this is my account with my signature according to Section 69 of the FCRA you have to have proper verification. I want this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I am buying a house an needed to sell my vehicle for the ratios and closing. I overnighted the payoff check to GM Financial on Saturday XX/XX/XXXX, it was signed for by a XXXX XXXX on Monday XX/XX/XXXX at XXXX XXXX. I contacted GM Financial every day this week and they said they hadn't received it. Today they finally found it and did me a " Favor '' by posting the payoff to my account, which wont show up for at least 3 days. In the meantime I am being charged interest. This may delay the closing on my home costing me additional funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
I did not know any better, I has a XXXX, but I still had income. 
First it was - I could not get any information about my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX Paid then {$10000.00} Second - XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Paid them {$9500.00} They put a cease and desist on my account. I could not speak to the bank concerning my mortgage at all. The bank would only speak to anyone except an attorney. 

After the first fight I had with XXXX XXXX XXXX and I refused to pay anymore money to them I had to get help. 
XXXX XXXXXXXX XXXX XXXX and they all promised 100 % that I had all that was necessary for a loan modification or some type of workout because I had income. 
It never happened. my home was put in to foreclosure with a sale date. 
I finally got into my account and now I submitted documents to be considered for a modification. I get a pension and I have a job. I don't know what went on when I had no communication concerning my account, but I am asking that Carrington will allow me to get everything they need before they put another foreclosure sale date on my home. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: PA

Complaint narrative:
XX/XX/2017 an inquiry was fraudulently made against my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 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: PA

Complaint narrative:
XX/XX/2017 an inquiry was fraudulently made against my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Used PNC 's Online Bill Pay to pay my XXXX XXXX credit card bill. In the autopay option in my PNC online bill pay, I had set up autopay and chose the option to pay " amount due '' upto {$1000.00}. It was my understanding that this would payoff the entire balance of {$450.00} on my statement from XX/XX/2017 ( since this was less than {$1000.00} ), but PNC only paid the minimum payment of {$25.00} for the last four months. This resulted in interest charges, and a negative impact on my credit score.

I brought this up with PNC bank talking to two different representatives in online banking services yesterday and today, and escalated to the manager today. They all refused to admit that there was any problem whatsoever with their systems, and refused to address the impact of the error.

Specifically, it is my opinion that 1 ) " Balance Due '' does not mean minimum payment and they fix their interface which I believe is misleading and erroneous.

2 ) Admit that this was a bank error and take responsibility for all interest charges from this error. 

3 ) They compensate me for the negative impact on my credit score, and their mistakes. 

Thank you for your help in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: WA

Complaint narrative:
My deceased wife had opened several accounts in my name without my permission. I was unaware of these accounts until I applied for a home loan and saw them on my credit report. These accounts later turned into collections and caused my credit score to go down and now I can no longer qualify to purchase a home. 
The accounts were XXXX XXXX, XXXX XXXX, and 2 XXXX accounts ending in XXXX, and XXXX. I had already paid off 2 of those accounts and will provide a letter of proof that these accounts were paid. 
I have enclosed the FTC Fraud Alert for the 4 accounts, death certificate, Letter from XXXX XXXX, Bank statement showing XXXX XXXX being paid in full for {$380.00}, and XXXX XXXX  being paid for {$280.00}

Company response to consumer: Closed with non-monetary relief