vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
We ( my wife and I ) entered into a 2nd mortgage with a company called XXXX XXXX XXXX XXXX ( XXXX ) in the year XXXX. Since we did not consult a lawyer as we we did with our first mortgage ; we believed that the promissory note we signed was an adjustable rate, revolving line of credit due to mature in the year XXXX. The amount of the Loan was for {$31000.00}. What bothers us ( my wife and I ) ; is that we've never missed a payment ; and some months ' we paid more than the minimum payment and we owed around XX/XX/XXXX, {$2700.00}. We should have paid off this loan long before the maturity date. We never received a satisfactory letter ; instead we continue to see the balance owed to XXXX in XX/XX/XXXX increase and increase, for example the balance due was {$32000.00}. 

After doing some research we recently found out that XXXX was sued for millions of dollars for cheating their customers by not applying monthly payments properly ( example XXXX was packing un-necessary fees on the loans, placing multiple points totaling Thousands of dollars on top of double digit interest rates, adding fees on the back of the loan ), result ; one would never pay off their predatory loans. We never part-took in the spoils from this lawsuit. Instead we faithfully kept paying our monthly payments to this predatory company XXXX because our house which we paid off for ( 1st mortgage ) could go into foreclosure with the 2nd lender ( XXXX ) which claimed that we still owed on approximately {$21000.00} as recent as XX/XX/XXXX. 

We were bounced around in house between XXXX and XXXX who were acting as each other 's Servicer to the tune of hundreds of thousands of dollars. Now entered XXXX XXXX XXXX ( SPS ) ; claiming to be the new Servicer and to start sending monthly mortgage payments to them as  of XX/XX/XXXX. We ( my wife and I ) stopped making payments to-date ; enough is enough!, as we saw these payments as a life sentence with no end in sight. Now, SPS is sending us monthly mortgage statements telling to pay {$190.00} so that they can forebear from foreclosure. 

We stopped because we think we were and still is being de-frauded by these companies. We plan to sue SPS if they continue to harass us with telephone calls and their fraudulent statements. 

.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: CL Holdings LLC
State: AL

Complaint narrative:
XXXX XXXX collection agency has reported into collection on my credit report an amount of {$6200.00}, and I have no idea where this amount came from, I need to receive a statement of this bill with each debt itemized, and why this collection service feels I owe this debt, and proof this is a legitimate and correct amount for this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2018 I made an Bank of America online payment of {$4000.00} to a Bank of America credit card account that was closed. I meant to pay a Bank of America credit card account that is open. I immediately call Bank of America customer service and explained the error. I requested that my money be redirected to the open credit card account or a refund. I was given a reference number and told I'd receive a refund or money transferred to the open account within 3-5 business days. Since XX/XX/XXXX I have called customer service multiple times and each time have been told different time frames of when I should expect to see my money and I have visited two local Bank of America branches 3x and told the same thing. Each time Bank of America gives me different time frames and with no assurance that my money will be returned or applied to my open bank of america credit card account. During one visit to the Bank, I was told that I would receive interest for the delayed {$4000.00} refund.

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 monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
My wife and I had XXXX XXXX until we moved to a different house. Because of where we were moving to XXXX was not the best service for our new location so we canceled it. It took us a while to get settled into our new home and the equipment got put into a box that we didnt realize never got unpacked until quite a while later. When we came upon the equipment my wife called and spoke to someone and asked if we were being charged for it. They advised that an amount of {$770.00} was being charged for the 3 boxes that we had. She asked if we submitted them back if that amount would be taken off and we were assured that it would be. My wife got a XXXX XXXX XXXX XXXX XXXX return Reciept from the person she spoke with and went to the XXXX store the next day, which was XX/XX/17. The XXXX XXXX XXXX representative said to make sure that we kept the reciept and proof that it was sent back. Just recently I got a credit alert that there was a new debt in collections for {$770.00} through IC Systems on behalf of XXXX XXXX XXXX. I immmediately called XXXX XXXX XXXX and told them what happened provided them with the information from my reciept and the woman I spoke with said no problem she would submit a case and it would get taken care of. That was over two weeks ago and this collection is still on my account. I called back, spoke with a XXXX and she advised the case I had submitted was rejected because it was over the allowed timeline to submit the equipment and I would still be charged with it. I told her that no one had ever mentioned to us since the day we returned the equipment that we would be over a time limit to return it- and we were absolutely not informed that even if they received the equipment back we would still be charged. I explained all of this to XXXX, who basically said that I was told wrong information and there wasnt anything she could do. I find this very frustrating and ridiculous. As soon as we found our equipment we tried to make it right with XXXX XXXX XXXX and were told it would all be taken care of. Why go through the trouble of waiting in line at a XXXX store and hanging onto this paperwork for over a year if we werent going to have those charges removed? I would like XXXX XXXX XXXX to honor their word and remove the charges- since they can confirm they DO have the equipment we sent back to them and we were never told about this mysteries deadline until today when I was told my request was rejected.

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 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
A company by the name of MCM has reached out to a higher department at my work through via email to unknow co workers within the healthcare system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX has made several calls to collect a debt - I have asked multiple times to send back up for this debt. They stated on phone we don't have that but I will send you a demand letter and you can pay from that. NO - I want the actual back up that makes up {$2000.00}. Told me to put in writing so I sent a letter ( with the account number they gave me. ) Letter is attached I rec 'd a letter back from them they could not verify the debt. ( attached ) which is asking again for account number/social/copy of credit line ( ATTACHED ) this is a big run around, asked not to call me and remove from report if they can not produce back up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX reached out to me to accept a 4 day/3 night vacation deal to XXXX XXXX, SC @ {$190.00}. I accepted, however after thinking about it, I decided to cancel since I was told I can do so anytime prior to the vacation. I called them the next day XX/XX/XXXX to cancel and was told it was non-refundable. I sent the company a dispute email requesting a refund and again was told the same. I contacted Best Buy Credit Card services to dispute the charge, I wrote them a letter and they refunded my acct. {$190.00}. I later received a letter in XXXX from Best Buy Credit Services stating after their investigation, they determined I was responsible for the fee and they recharged my account the amount of {$190.00}. I am still disputing this charge because I don't want to pay for something I'm not going to use.

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 2018-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
I was affected by hurricane in XX/XX/XXXX, my mortgage company gave me a forbearance for the months of XXXX, XXXX and XX/XX/XXXX. At the end of that forbearance they told me they will work with me thru there loss mitigation Department on options so that I can repay those 3 months. I continue to call and make my payments every month thru the loss mitigation department they told me not to worry that this would not be reported to my credit report that I had to wait cause they had over 10,000 people in my situation. I submitted all documents they required twice and in XXXX of XXXX with out any notice they reported my account to credit bureau as 90 days past due this caused my creditors to close my active accounts, reduce my credit lines and lower my credit score to poor. I complied with everything and they refuse to correct the situation I didnt hear on a repayment plan from loss mitigation as hurricane affected victim til XXXX of XXXX, I turned it down and paid the months that where in forbearance. But Dovenmuehle mortgage still refuses to correct the information they submitted to my credit report after several times I have reached out to them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient refused me a lower interest loan for no justifiable reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: CA

Complaint narrative:
Hi, On XX/XX/2018, I initiated a transfer through XXXX online in the amount of {$2700.00} ( {$2600.00} + XXXX fees ) to XXXX XXXX in XXXX, Canada through electronic payment from my bank account. On XX/XX/2018 ( next day ), XXXX notified me that transfer could not go through for security reasons and transaction would be cancelled. An email confirmation of cancellation was dated XX/XX/2018 was sent by XXXX. Since the funds were not deducted yet on my bank account, and to avoid having the money deducted from my account erroneously, and waiting for a refund to take place later, I placed stop payment orders with my bank for XXXX On XX/XX/2018, I received a notification from my bank that they stopped the payment on XX/XX/2018, which I assume was a late processing by XXXX website. On XX/XX/2018 I received a debt collection notice by mail from XXXX XXXX   XXXX XXXX XXXX notifying me that I still owe this transfer amount to XXXX. I contacted XXXX customer service on XX/XX/2018 and was notified that my transfer was cancelled since XX/XX/2018, and that they never referred me to a debt collection agency since my account is closed already. XXXX advised me to never pay XXXX XXXX XXXX as it is a scam. I believe I am a victim of fraud here by this collection agency, and I am concerned that they might further hurt my credit or chase me to collect this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA

Complaint narrative:
In XXXX of this year I called Bayview Loan Services and ask why, when I call to make my mortg payment, they keep stating that I am a month behind on my payments. Then they started sending me threatening letters to take my house if I don't pay the late month due. I did my research just to prove that I was not the crazy one here - then called Bayview and ask them to send me proof that I was behind and when it started. They sent me the info and if the person that printed it out had bothered to read it they would have seen that they were proving my case and not theirs. Nothing was late! So I called them back and spoke with XXXX and she looked into it and got it all straightened out. And even told me I had a credit on the books that I ended up using toward the next months mortg pymt. Then in XXXX of this year I noticed my credit score had taken a deep plunge because Bayview had reported me 30 days late on my mortg. I  contacted XXXX XXXX and they investigated the issue and BAM! - my score increased by 60 points because Bayview had once again acknowledged their mistake. Now, I have started getting late notices again and letters threatening to take my house. HERE WE GO AGAIN!!!!!!!! Again I called and spoke to XXXX and she acted like she was clueless. I ask if they take notes on previous issues! Why do I have to go over this again! She said I missed XXXX of 2017s pymt. Well - that was the month they took out an extra {$500.00} from my account. Yes - for a reason they have yet to explain, they took from my bank account an extra {$500.00}. Made some considerable hardship for me but they didn't care. Took me over a month to get the money back. How can a financial institution be so inept at keeping their records straight. They have not gotten back in touch with me after this last threat. Why are they allowed to conduct business like this and make so many mistakes and threaten constantly to take my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 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: TX

Complaint narrative:
showing inquires that are not mine and a collection filed ftc and 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 2018-10-30 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: TX

Complaint narrative:
showing inquires that are not mine and a collection filed ftc and 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 non-monetary relief
Consumer complaint received 2018-10-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion still has yet, according to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ) '' through the physical verification of the original signed consumer contract '', to provide me lawful proof of verification. This was not only specifically requested by me in my original notice of dispute but also required by " FEDERAL LAW '' as the " ONLY '' lawful way to verify in order to protect my rights as a consumer. Since it has been well passed the 30 days allotted them as of XX/XX/2018 I am demanding once again that TransUnion as well as the other bureaus who also are unable to lawfully verify these accounts listed below be deleted immediately. 

On XX/XX/18 I mailed the attached notice of dispute requesting physical verification per FCRA section 609 ( a ) ( 1 ) ( A ). Delivery of certified mail was confirmed on XX/XX/18 On XX/XX/18 TransUnion sent 2 correspondence to my address completely changing my name. Listing me as XXXX XXXX XXXX XXXX. The first letter stated I needed to verify myself. The second one stated that these accounts " AREN'T '' listed on my report. I responded and sent a copy of my bank statement on XX/XX/18 to confirm my identity. On XX/XX/18 I received more correspondence from TransUnion. This time it was a full report. The report included the accounts that I stated but still did not state that they were initiating an investigation from notice of dispute. So it is without a doubt that my identity was confirmed if TransUnion mailed a credit file to my address. XX/XX/18 was 30 days from confirmed certified mail delivery date. A week later XX/XX/18 I reported TransUnion to CFPB for not following the reporting regulations of responding to my dispute within 30 days. 8 days later on XX/XX/18 TransUnion only responded with this statement. " After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. '' The original notice of dispute was mailed to their appropriate address which handles consumer relations and " confirmed delivered '' XX/XX/18. So there wasn't any need to state what they obviously already knew. This was just a way to buy themselves more time which isn't justifiable with the proof of I've provided via the attachments.

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 2018-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
11 XXXX XXXX is not mine to the best of my knowledge

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2018 Due to technical error at bank no direct deposits were issued causing fees for past due accounts. 

Called received an email acknowledging errors and told they had fixed the problem. 

XX/XX/2018 Direct deposit again not posted now due to another system error. Now the apartment is seeking eviction due to two late payments. Other services such as gas, electric and Cable also paid late fees and fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was in the citi bank settlement and never received paymens at this time i have no accounts at this for banking my address is XXXX XXXX XXXX XXXX ca XXXX for XXXX XXXX XXXX my phone number to reach me at is XXXX. also I was in the XXXX XXXX settlement and i never received the refund also the citibank settlement either. also I'm a victim of identy theft where someone one has open all kinds of accounts with my info first XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, citi bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and taxes with XXXX and receiving payments with XXXX  for XX/XX/XXXX XXXX XXXX  XXXX and XXXX powerball payout. my ca dmv id XXXX was stolden for a whole year that they were using last year with my info I just recived a new one in XX/XX/XXXX XXXX if theres any way you can help me pleas contact me by mail XXXX XXXX XXXX XX/XX/XXXX ca XXXX or phone XXXX thank you sincerely XXXX  XXXX   als they had many XXXX XXXX  acciount with my info and XXXX cards

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 2018-10-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2018 Equifax, XXXX, and XXXX  RE :  Accounts # XXXX To Whom It May Concern : I am requesting that you investigate and immediately remove the negative account from XXXXXXXX XXXX XXXXXXXX, XXXX Account # XXXX be removed from my credit reports. This account is violating the FCRA section 609 by reporting wrong or inaccurate information onto my credit reports

Company response to consumer: Closed with explanation