vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Campus Student Funding, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, I contacted University XXXX XXXX regarding my 1098-E tax form. I was told that my loan, Acct # XXXX, had been written off back in XX/XX/XXXX. I was not notified about this ; I had been paying my loan through auto bill pay through my bank, which sent XXXX each month. Once I found out that the loan was written off I stopped the bill pay service. I contacted University XXXX XXXX to ask why they kept accepting the money after the account was closed? They told me that they could not help me and referred me to Campus Student Funding to report my problem about the money. I tried calling leaving numerous voicemails to call me back to no avail. The same thing with their website : http : //www.csfinformation.com, to submit an inquiry with the same result. I don't think that it is right for them to keep accepting money on a closed account. I am trying to recoup my payments. This loan was for a trade school that went out of business. XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX campuses ) They were taken to court for misleading business practices and lost.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Colten Mortgage, LLC
State: TX

Complaint narrative:
We received a letter, which looks very official stating numbers and file IDs, but it's actually just an ad to push us to contact this company and refinance. The top of the document looks like a Tax letter, the middle states all our home information, and the request to call us seems urgent as it states several times throughout the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX BankruptcyXXXX Chapter XXXX Bankruptcy-XXXX Chapter XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: IL

Complaint narrative:
Dovenmuehle mortgage company claimed to mail a check from my escrow account to pay my taxes to XXXX XXXX on XX/XX/2021 The county never received payment and urged me to reach out to Dovenmuehle to remedy the situation. 

Dovenmuehle acknowledges that the check was never cashed by the county and is currently missing. Dovenmuehle refuses to remedy the situation after several calls and emails. I would like this check canceled and the funds refunded to me so I can get my taxes paid on my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Attached correspondence from SPS states, " Unfortunately, the account is ineligible for one or more resolution options or it is ineligible for the option the customer selected. '' Correspondense from SPS shows that SPS has evaluated Borrower for at least one loss mitigation alternative but has failed to evaluate for all loss mitigation options as required under CFR 1024.38 ( b ) ( 2 ) ( v ). 
SPS has failed to evaluate Borrower for all loss mitigation options. A fully completed application has been provided multiple times and SPS rejects application stating it is incomplete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: WAKEFIELD & ASSOCIATES, INC.
State: NC

Complaint narrative:
I have two issues to deal with I hope you can help me with. The first one is with Wakefield & Associates. I have work for this company for tens and do not understand why I owe them any money or why they would put it on my credit report.I have try disputing this over and over again with the credit bureaus and have an no luck. This has been going on since XX/XX/2020. I do not understand this one why it taking so long and two why it even on my report. 

My second one is with XXXX. I have NEVER in my life file Bankruptcy. It is showing on my credit report as a Chapter XXXX that was dismissed. I cant stress enough that I have Never filed bankruptcy in my life. I want this remove. 

I have attached documents of the disputes and screen shot of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am responding to the company 's response to complaint XXXX. 
I disagree with the company 's response. They denied that any of my rights were violated and that is incorrect per 15 USC 1692e. If it is a debt that is owed like they " alleged '' all charges I owed should be shown in the negative per the LAW. Per my credit reports and the statements sent from the company the alleged debt is shown in the positive. If it is a debt and it is owed it should be shown in the negative. I have sent an Affidavit of Truth to the company in which they did not respond in the correct matter so per the law the debt should be removed from all of my credit reports and from their system. I also followed up with a Notice of Default and Opportunity to Cure on XX/XX/XXXX giving the company 10 days to respond and resolve the issue but have not received a response. Per the company 's response they admitted to placing the account with XXXX XXXX XXXX, XXXX. ( which a law firm ) to further collect debt from me. Per 15 USC 1692e ( 3 ), a debt collector can not be an attorney, so if I was being sued by a debt collector an attorney should not be present. Although they did not garnish my wages, they did seize my bank account for a certain and took the money that was in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Dear Mr. / Ms , the object of my complaint is the fraud department and customer service department of Citibank. After I opened my company account at the XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ca,XXXX, citiXXXX XXXX XXXXn XXXX, my account was frozen. 
After the certificate I provided and their review, it was confirmed that there was nothing wrong with my account and they agreed to unlock my account. 
But to this day, I still can't withdraw money from my account. 
They always have a lot of reasons to tease me. The customer service department asked me to go to the branch to withdraw money, but when I got to the branch, they asked me to call the customer service staff. 
Their two departments, including the branches, have been passing the buck back and forth and refused to give me back my money. 
I have to talk to them on the phone for two hours every day. 
I ask you to help me with this problem. Please, I need this money to live. 
Thank you very much.

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 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: OK

Complaint narrative:
XXXX dispute is valid. I'm attaching original invoices from Hospital showing their collection is incorrect and want them removed immediately. Also, you have failed to mail me the results of your investigation. Hence, the reason it was being disputed. 

I want XXXX and Transunion to remove both invalid collections.

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 2021-04-01 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: CMRE Financial Services, Inc.
State: OK

Complaint narrative:
CMRE dispute is valid. I'm attaching original invoices from Hospital showing their collection is incorrect and want them removed immediately. Also, you have failed to mail me the results of your investigation. Hence, the reason it was being disputed. 

I want XXXX and XXXX to remove both invalid collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: GA

Complaint narrative:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : Chapter XXXX Bankruptcy-XXXX  Chapter XXXX Bankruptcy-XXXX Chapter XXXX Bankruptcy-XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
Our original mortgage was through Another company and then was sold to PHH Mortgage. When we closed on the original mortgage we did not have to include PMI because the loan to value ratio was below 80 %. However, once the loan was sold to PHH Mortgage they began paying PMI out of our escrow in the amount of {$160.00}. We tried resolving this with PHH, who originally told us it would be resolved in 3-5 business days. This has now been going on for over a month. They told us that they found an internal company memo that said the loan required PMI. The final closing documents clearly stated PMI was not required. We have proven this to them and they admitted that they should not have paid this out of our escrow, but their proposed solution was to refund us {$19.00} instead of the full {$160.00}. They can not explain why we should not be refunded the entire amount. If your mortgage is being serviced by PHH I suggest you read your statements carefully because I have a feeling they are doing these types of things to many people who just arent paying close enough attention.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern : I received notification from monitoring my credit reports that the following creditors, without authorization or permissible purpose, fraudulently obtained my credit reports. Without my authorization this information you are reporting was not solicited by me at anytime and therefore is not of any fact and the data you are falsely reporting is fraudulent in nature and inaccurate. 

Utilizing the respective statutes under the Fair Credit Reporting Act, I am citing its respective sections within the act to ensure your company reports my data accurately and with all fairness to my credit report. I am requesting that you suppress and block the information that is currently reporting by deleting its reporting. Please see below the string of creditors and dates disputed. 

XXXX XXXX XXXX via XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX  XX/XX/XXXX By finding the lack of permissible purpose initiated by the respective creditors, as required by law, I request you investigate and complete your investigation by removing the solicitations/inquiries off my credit. Please place a fraud alert on my file to prevent further reporting and add my telephone number. 

I respectfully request a copy of my updated results and credit report. Your attention is requested and appreciated in correcting my information. 


Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XX/XX/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 2021-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had made an online debit payment to a payee on XX/XX/20 for {$50.00} that was deducted from my account but not cashed by the intended payee that I had set up with Citibank 's service. After months of written requests and phone calls, they were finally able to tell me who cashed my check and where it was deposited. But, they were unable to explain how someone was able to intercept this check, forge my signature ( although it was made payable to my pharmacy ) and deposit it at an ATM into their account. However with this information I was able to file a forgery report with the XXXX XXXX Police department. Now the detective handling this case has asked me to ask Citibank for the location of the ATM where the check was deposited so they can then subpoena the bank for the camera footage which could then help them with their investigation and possibly charge the offending person with an additional crime. So here we go again with the incredibly disrespectful treatment of Citibank 's customers. Something needs to change. I have made 7 phone calls to the Citibank Executive response unit and they do not even have the decency to return a phone call. I have been told the person now handling my case is XXXX and his phone number is XXXX. It seems they will only respond when a complaint is made with this agency. So, again I thank you for your help, but more needs to be done in regard to Citibank 's customer service.

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 2021-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I was served for an account I have no knowledge about, this is fraud XXXX for amounts {$7200.00} Ive reached out to the company This account is not on my credit report! 

Credit Corp Solutions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: TN

Complaint narrative:
There are inquiries on my credit report I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: NV

Complaint narrative:
Experian has failed on numerous attempts to correct my credit report since XX/XX/2021. They have violated several FCRA laws including but not limited to : Reporting a debt as charged off, when it was settled or paid off. Reporting inaccurate and incomplete information on my credit report affecting my credit score negatively. Didn't provide their method of verification that included : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response e-Oscar verification was unacceptable. Old information furnished as new information. Wrong furnisher addresses listed on my credit report. They failed to follow guidelines for handling disputes. I send over several disputes that Experian did not follow guidelines when they handled my disputes. They are still reporting incomplete, inaccurate, and erroneous information on my credit report. They keep responding back that the information has been validated and/or validated. However, they never addressed each issue I was disputed. Still showing negative accounts that should be deleted. The updated information still didn't fix the inaccurate information and now I have been denied credit and paying higher finance charges. They failed to send me notifications in writing. I have accounts that reporting as being re-aged by collectors. The original creditor is showing a balance and the collector and a balance owed when it was paid in full. Previous account information was provided in the previous dispute. Experian sent an update on one of my disputes today stating it was verified and accurate. So I'm filing another complaint because they aren't looking into the matter seriously. This is even after I filled a precious dispute.

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 2021-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: NJ

Complaint narrative:
I receieved multiple phone calls from ARS National. I requested the company provide me with the verifcation of the debt and who it is from. I wanted to know what company was trying to collect the debt from me. They told me they would not provide me with any information unless i gave them my social security number or date of birth.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01 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: Source Receivables Management LLC
State: TX

Complaint narrative:
On the XXXX of XXXX, XXXX I bought a phone and a line from XXXX XXXX, the term of purchase was that I can return the phone within 30 days. The nature of my job is delivery of goods and services and one major reason I bought the phone was ro help me navigate the road with the GPS but this phone was a total failure and disappointment as it could not perform my intended need. 
I returned the phone on XX/XX/XXXX which was within the 30 days of agreement and i paid the return fee of {$45.00} and i have the receipt with me and this was settled but this XX/XX/XXXX, I got a call from Source RM alleging that I am owing XXXX XXXX on the same phone that I have returned and paid return fee on. 
I had called XXXX XXXX about this and was told that i have returned the phone and that i do not owe any money. 
Please Source RM has reported me to the Credit bureau and this has destroyed my credit rating and i am going through a lot of untold inconveniences from Source RM. Please help me as i have all hardcopy and soft copy receipts. Thank you.

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