vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Dear Sir/Madam, The story begins with the XXXX XXXX XXXXXXXX takeover of XXXX which at time was our mortgage company having refinanced with them both our first and second mortgage in XXXX. In the summer of XXXX I lost my wife of XXXX to XXXX and the following year XXXX XXXXXXXX XXXX successfully guided me through the mortgage modification process. It was a great experience because the modification helped me avoid losing my home which would have been devastating at the time. 

Once the modification was complete Fannie Mae connected me with XXXX XXXX and I never heard again from XXXX XXXX  XXXX regarding the first or the second mortgage. In XXXX of last year, just as the COVID-19 epidemic started spreading I was faced with foreclosure action showing XXXX XXXX as the owner of the note which indicates that the second mortgage somehow got internally transferred through XXXX XXXX XXXX and her subsidiaries and almost ten years later it has come back to haunt me. 

I did hire an attorney last year who has been trying to make sense of the situation and negotiate a settlement with a company called Specialized Loan Servicing LLC which seems to be behind this, but so far they accepted and then promptly rejected our offer and have shown to be anything but reasonable. As you no doubt are aware that appears to be the reputation they enjoy nationwide. 

The reason I am asking you for help is because at the end of XX/XX/XXXX XXXX  XXXX XXXX filed a Satisfaction of Mortgage notice with the XXXX XXXX XXXX. Despite this I continued paying XXXX XXXX regularly to this day which can be easily verified with them. 

I now believe that the mortgage satisfaction was filed by mistake because XXXX XXXX had to file a Rescission of the Satisfaction filing last year. Considering the scandal with XXXX and the subsequent tens of billions of dollars awarded by the US Government to XXXX  XXXX XXXX to deal with the toxic asset situation, its reasonable to assume that the original intention must have been to file a satisfaction of the second mortgage. I appeal to you to have this looked at as soon as possible and find a way to settle it once for all. 

Please find enclosed copies of some of the relevant documents. Looking forward to hearing from you and please copy my attorney on all future correspondence. 

Best Regards, 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 2021-04-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
CAPITAL ONE IS REFUSING TO RETURN MY SAVINGS! I received a letter from " XXXX, On behalf of Capital One '' asking I sign an affidavit. However, XXXX failed to include the necessary check numbers and dates of checks which he claims were sent to me, and I never received. I called XXXX XXXX XXXX ext. XXXX XXXX several times, and he is REFUSING to return my calls. When I spoke with an agent from the CAPITAL ONE back in XX/XX/2021, I was told they could not give me any information regarding the first check and the re-issued check. The agent added that a second check was never issued. CAPITAL ONE IS ASKING ME TO FILL OUT THEIR FALLS AFFIDAVIT CLAIMING I RECEIVED THE CHECKS AND LOST THEM. I HAVE NEVER RECEIVED THE CHECKS IN QUESTION! CAPITAL ONE IS WITHHOLDING MY SAVINGS TO THEIR BENEFIT AND NOT MINE! A Notary will not notarize an incomplete form XXXX blank check number and dates of checks XXXX. Since XXXX is refusing to speak with me, I completed my own affidavit. I had it notarized and sent on XX/XX/2021 via fax at XXXX XXXX receipt # XXXX from XXXX at a cost of {$6.00} XXXX. I AM IN MY XXXX 'S. I AM A XXXX GRANDMOTHER. I AM FEMALE. I HAVE MY HEALTH NEEDS TO TAKE CARE OF AND NEED MY MONEY BACK ASAP! I SUSPECT CAPITAL ONE IS DOING THE SAVE TO MANY! Why are banks being allowed to take advantage of people? I NO LONGER TRUST CAPITAL ONE ; THEREFORE, I HAVE WITHDRAWN MY MONEY FROM THEIR BRANCH! CFPB, you are part of the problem since you closed my original complaint before the issue was resolved. WHAT CAPITAL ONE IS DOING TO ME AND THE SUFFERING THEY ARE CAUSING ME SHOULD NOT HAPPEN TO ANYONE! On behalf of consumers and citizens I ask for everyone involved with the banking industry, their regulation and their laws to DO YOUR JOB JUSTLY IN ORDER THAT YOU XXXX NOT LOSE THE TRUST OF THE PEOPLE YOU SERVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Suspects opened a checking and savings account on XX/XX/21 by identity theft by somehow using my passport to do so. They then deposited and withdrew bogus unemployment funds. Huntington Bank will not allow me to close the accounts. Ive sent a letter and called several times and still have not gotten any resolution. Im VERY disappointed with their lack of communication with me. When requesting to close both accounts they said I have to travel to their location 8 hours from my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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:
XXXX XXXX XXXX XXXX there is a credit card reporting derogatory info that has my family homeless this is really effecting my livelihood please They open XX/XX/2014 it is a close charge off account that was open without my knowledge i have 75 late payments as a result of experian Not removing this negative fraudulent information I called them directly XXXX XXXX XXXX XXXX they stated I owe them {$700.00} over top of the limit {$400.00} I stated to them I never opened up a account I found a police report I thought the incident report I filed a identity theft report this is hurting me and my family housing situation

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 2021-04-27 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: NC

Complaint narrative:
XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX Transunion XXXX and, XX/XX/XXXX XXXX XXXX XXXX The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.

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 2021-04-27 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: NC

Complaint narrative:
XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX  and, XX/XX/XXXX XXXX Equifax XXXX. The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: NC

Complaint narrative:
XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX and, XX/XX/XXXX XXXX XXXX XXXX The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.

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 2021-04-27 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN XXXXs Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Mortgage Servicer, Specialized Loan Servicing, failed to provide a refund for a subsequent bi-monthly mortgage payment debited after a payoff statement was issued and failed to refund a preemptive late fee incorporated in the payoff statement : XXXX XX/XX/XXXX - SLS provided a Payoff Statement to New XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - SLS receives an automated bi-monthly payment for {$620.00} XXXX XX/XX/XXXX - SLS receives payment in full via XXXX XXXXr from XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX  XXXX XX/XX/XXXX - Consumer requests XXXX  refund XXXX/XXXX payment and late fee without formal Error Resolution Notice per 12 C.F.R. 1024.35 XXXX XX/XX/XXXX - Consumer files complaint with XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX closes complaint SLS provided XXXX a second Payoff statement dated XXXX XX/XX/XXXX, reflecting the XX/XX/XXXX bi-monthly auto-debit payment, which was NOT used in the underlying mortgage refinance transaction with XXXX and XXXX 

Both SLS Payoff statements ( XX/XX/XXXX and XX/XX/XXXX ) included a preemptive Late Charge fee of {$34.00}. The Late Charge fee was assessed in the underlying mortgage refinance transaction per instruction from the SLS payoff even though the monthly auto-debit and receipt of the payoff funds via wire were received timely. 

Also, SLS provided different daily interest per diem rates in the Payoff Statements.

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 2021-04-27 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
This company kept renewing the loan instead of letting me pay off causing continuous financial hardship. When I asked for a payment plan so the payments would go towards payoff due to paying for so long they said I could gave one because I was not in default or collections. I defaulted on purpose due what was told to me so the drafts would stop and I hoped to get a payment plan. However, they would not work with me and have been unfairly reporting this as an active late account every single month which has caused me to be denied financing for a home. This is abusive and unfair!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WI

Complaint narrative:
Missing {$3100.00} from escrow account. We paid property tax in cash to XXXX  on XX/XX/2020 before freedom mortgage did. After the XXXX received escrow check for freedom they sent the check back to freedom on XXXX/XXXXXXXX We provided property tax receipt to freedom. The money is still not showing in my escrow account after 4 months.

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 2021-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I noticed on XXXX that XXXX XXXX - Account number - XXXX is being reported on my Equifax Credit Report twice, as having a {$2900.00} balance as well as a {$2900.00} balance. It is also being reported as Date Opened on XXXX as well as Date Opened on XXXX. I sent a letter to Equifax on that day disputing this information. I received a letter back saying that the information was verified as accurate from Equifax a couple weeks later. I sent Equifax a second letter on XXXX with a copy of my credit report and highlighted the duplicate entry of XXXX XXXX on my account and the different amounts owed, dates opened and status dates. It has been over 30 days since then and my credit report for equifax still shows the same duplicate entry of XXXX XXXX - Account number - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
On XX/XX/2021 I sent Midland Credit Management a letter to validate the debt. I did not recieve anything from the company concerning the debt. On XXXX XXXX the amount was {$1300.00}. I waited the full thirty days and no response. On XX/XX/2021 I sent another letter to the company. I did not recieve a response again. On XX/XX/2021 I recieve an alert on my XXXX account that there was a change to one of the accounts. I checked it and it was Midland Credit Management changing the balance from {$1300.00} to {$1300.00}. So the balance increased by a dollar. Then on XX/XX/2021 I checked my XXXX XXXX  account and the same listed account had been closed by Midland Credit Management. I just want to know what is going on or what happened. I never recieved any correspondence from the company. The debt should be removed from my credit report as to the company never sent anything to validate the debt. There also was another account in collections with Midland Credit Management. So On XX/XX/2021 I sent a letter concerning that account to validate the debt. On XX/XX/2021 Midland Credit MAnagement mailed me a bill for the balance of {$1000.00} with no explaination of how the debt was calculated. So XX/XX/2021 I wrote another letter to the company to validate the debt. I recieved no response. Then on XX/XX/2021 the balance increased by one dollar so the balace went from {$1000.00} to {$1000.00} and the comments on the account reflects the account is still in dispute. According to the law if an account is in dispute the company is suppose to stop reporting until the outcome of the dispute. But in both cases the balances changed and no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27 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: TX

Complaint narrative:
FCRA violatons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PRIVATE XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX PR XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX CHANCE XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX IH XXXX XXXX, TX XXXX SINGLE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
A XXXX account, unknown which account, was able to link to my PayPal account ( XXXX ) without needing a password or a pin. There is no indication which fraudulent XXXX account used the account as it does not tell me. When I filed a dispute for PayPal to look into it they instantly closed it stating it was an authorized transaction. 

When I checked my account I had no link to XXXX for preauthorized payments and when I filed the dispute it said it cancelled a non existent link to XXXX. PayPal refuses to help people when this happens or even answer questions as to what account on XXXX this linked to and who set up the link. This is happening to a large number of their customers and needs to be investigated as this is pure fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I have made on line payments on my credit card account for years with XXXX XXXX XXXX XXXX. 

They updated their online payment system in XXXX of XXXX, and my credit card payment was made as usual yet not recorded in the new system. I made an additional payment on the account when the first one seemed to have gone astray, and both of these payments show on on my XXXX records, yet my account was still reported as unpaid by XXXX. 
I immediately filed a dispute with XXXX and Transunion, and received a statement saying the error was on their part and would be corrected. 
30 days later the misinformation remained on my credit report, so I filed another dispute, and this time it was verified by XXXX as being correct, claiming I missed a payment when in reality I had made two payments that month. 
It is now XXXX of XXXX and this information remains incorrect, leaving me no option but to accelerate this action to the CFPB and my local states attorney office.

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 2021-04-27 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXXXXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXXXXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX SXXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation