vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
My mortgage is with Specialized Loan Servicing and the website I have always used to log in and schedule mortgage payments is https : //cmc.servicingloans.com/. 

Almost two weeks ago, the website stopped working. Sometimes the home page works and I can even go through the login process, but once my password is input and I click submit, it fails every time, and there's no information as to why. I have tried on my phone, internet explorer, chrome, on my company 's wifi and my home wifi. Nothing works and there is absolutely no information out there as to why. 

I do plan on attempting to find a contact number for this company on my work from home day this Friday. To date I have only managed to get someone to communicate to me through twitter, sadly. And I got the old promise someone would be in touch. No one has. 

I'm writing to you here today because I have been unable to schedule my next mortgage payment which is due on XXXX. Doing so over the phone requires a fee which I will not do since this is outside of my control. This is not the first time I have had issues with this company so I'm raising the alarm bells early. Prior to a refinance, they had my old mortgage, failed to pay my property taxes which resulted in a late fee that I ended up paying for. I was very unimpressed with everyone I spoke to trying to get that resolved. I was very disappointed when my new mortgage got sold to them. 

This problem, however, is by far worse. I am basically being blocked from paying my mortgage without incurring an additional processing fee, and that is not acceptable. I don't know what's going on, but I want it resolved before I am in a position where I am late on my mortgage payment. I have grave concerns about the fact I have to rely on them to continue to pay down my mortgage.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT/AND CREDIT CARDS SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have been trying since XX/XX/XXXX to obtain funds from two Bank of America business checking accounts that my deceased wife had at Bank of America. The accounts had balances of approx {$3000.00} and {$6700.00} respectively, and were included in the inventory of assets in her estate. They were in the name of her sole member LLC. She passed in XX/XX/XXXX, and I am the personal representative of her estate and its sole beneficiary. I received no response from BofA 's Estate Unit, other than return of her death certificate and Maryland Letter of [ Estate ] Administration, and after inquiry was told I needed to visit a local branch. I have tried to work with BofA 's XXXX XXXX, Maryland area branch since XX/XX/XXXX and have only gotten a run-around. 

I guess BofA thinks if they stall long enough they can just keep the approx. {$9700.00} in the two accounts, but they should not be able to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I checked my credit report on XX/XX/XXXX and did not see any accounts from CREDENCE RESOURCE MANAGEMENT. However, today, XX/XX/XXXX, I see a new account reported by CREDENCE RESOURCE MANAGEMENT from XXXX in the amount of {$290.00}. I never received any correspondence from this company about any debt prior to reporting. According to the Fair Debt Reporting Act, I am supposed to receive written validation and verification with the right to dispute before reporting to the credit bureaus. This company violated that act and illegally reported a debt I never knew about. 
I also checked the State of Florida Department of Business Regulations through XXXX XXXX and saw that CREDENCE RESOURCE MANAGEMENT is NOT authorized to do any business in Florida as they do not have an articles of organization or incorporation nor do they have a statement of positive activity from the state of Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: NJ

Complaint narrative:
am writing to dispute an account fraudulently opened in my name. 
I am a victim of identity theft and did not open this account. 
I am a victim of the XXXX data breach. 
State issued ID have been compromised and my social security has been compromised. 
My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts. According to federal laws you are required to provide undeniable proof that this debt is valid. 
I HAVE LISTED BELOW THE APPLICATIONS FOR CREDIT SUBMITTED FRAUDULENTLY WITHOUT MY AUTHORIZATION OR PERMISSION TRYING TO OBTAIN CREDIT OR GOODS USING FRAUD. ANY OTHER REQUEST FOR CREDIT BY ANY OF THESE COMPANIES LISTED BELOW SHOULD ALSO BE FLAGGED AS FRAUD AND I DEMAND AND REQUEST THESE BE REMOVED, BLOCKED AND DELETED IMMEDIATELY FROM ALL MAJOR CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: DE

Complaint narrative:
HI, I have several problems with this company that need to be resolved. I contacted this company XX/XX/XXXX by phone to discuss an annual disclosure account letter that i received dated XXXX stating that there was an escrow shortage due on our account for {$130.00}. it mentioned that our payment would increase to {$1600.00} if it wasn't paid and it would decrease to {$1600.00} if the shortage was paid. Then we received our annual tax statement around XX/XX/XXXX showing that we have an escrow tax refund {$57.00}. We would like to know what happened to this refund as we never received it. And how do we have a shortage on our account and then we received our annual tax statement showing we have a refund. 

Second problem I contacted the company by phone XX/XX/XXXX also to discuss the late charges balance that is sitting on our account. Every time I go to setup up or monthly payment it shows an amount of {$230.00}. I had the rep review our account and i advised the rep the only time that I was aware that our payment was late was back in XXXX when we try to have our payment deferred due to us experiencing a financial hardship due to XXXX having XXXX in XXXX which caused us to get behind in our bills. The company wasnt able to offer us any programs and said we didnt qualify for any. Luckily we were able to borrow the money from our parents and catch up our mortgage. I called the rep over the phone back in XXXX before i made our payment and was advised that they would waive the late charge in return for me making the mortgage payment which i did. The rep that i talked to in XXXX said we were also late in XXXX which i wasnt aware and I kindly asked the rep to waive the late charge which they did. We had a total of {$110.00} of late charges waived on our account. I sent an email to loancsare for someone to review our account. However the document that we received does not show {$230.00} in late charges. There is a balance of {$170.00} on our account that loan care can not explain where it came from. We would like this removed. I have attached all the documents that we received from loancare. We would like this resolve asap as everytime we directly try to reach out to loancare the issue doesnt get resolved. Which is the reason we are filing a complaint with the consumer protection bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I paid off vehicle and have not received title. When I call to resolve issues they never help. Have sent documentation several times and no one there ever calls me or knows where it is

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
At or around XX/XX/XXXX, an account was opened in my name through Care Credit from Synchrony Bank. This credit was used ( I don't know what for an maintained occasionally until whoever used it, just stop paying on it ). It eventually went to collections, then charged off and remains on my credit. I have sent letters to Synchrony Bank asking for validation of this debt and all they've sent me are old bills. There is nothing showing I've ever opened this account. No signatures, no debit cards I've owned. Nothing. just bills as their " proof ''. This has done grave damage to my credit and they've made no attempts to rectify the matter. The amount they say I owed is {$1400.00} dollars which was charged off and {$550.00} due as of 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 2020-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
The FedLoan Interest Rate and Capitalization Scam. 

It all started when my income based repayment schedule was up for renewal. I paid up to the maximum interest for the federal tax credit for the year. I called FEDLOAN servicing to find out if I could switch to a different plan to extend the amount of time I had to repay the interest before switching to a standard repayment plan. 

The representative on the phone not only told me that I could switch plans without the interest capitalizing, he went so far as to walk me through the application process while on the phone to make sure it would go through. ( XX/XX/XXXX ) It went through. But they capitalized {$720.00} worth of interest ( XX/XX/XXXX ). So I called back. A supervisor told me to send a letter stating what happened which would be reviewed by PHEAA for action. Suggesting that because it was because of FEDLOANs misinformation that the actions could be reversed. ( The application ends on page two. The one liner that says interest will capitalize is on page eight of the instructions which you wouldnt see when you fill it out on the website. ) Ive spent countless hours on the phone with fedloan trying to solve the mystery. In the meantime the penalized my account in the following ways : They put me on forbearance. 
They assigned me a penalty interest rate. 
They pushed my PSLF date back two months. 
They capitalized my interest. 
They switched me on the more expensive REPAY schedule when I never applied for involuntarily. 
They forced me to pay my loans out of order so that the forbearance interest wouldnt get capitalized. 
When I submitted my forbearance interest payment they applied it incorrectly. I followed the instructions on the interest letter and they sent monies to every loans principle balance which goes against specific instructions Ive given them in writing about how to apply any monies received towards my loans. 
They have now sent me another interest notice ( XX/XX/XXXX ) that there will be further capitalization even though my interest balance is XXXX. 
Over two months later and I cant get a coherent FEDLOAN rep on the phone. 

They also do not respond to letters that are sent to them via the debtors portal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: TX

Complaint narrative:
I noticed I continued to receive this post card in the mail from this company Credit Protection Association. I took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the lady said I would receive something in the mail in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ). Ironically the only thing I keep getting is the post cards but no infomation. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I see an item reported to collections and I don't know why this is showing on my credit as I haven't had an account with this company and don't know who this company is

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: NJ

Complaint narrative:
This document is for fraudulent accounts opened in my name, Using my personal information without my authorization or permission. I am a victim of identity theft and did not open these mentioned accounts. I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has also been obtained. My postal mail was being forwarded out of state to where theft of my personal and confidential information took place. I am not responsible for any of these charges or accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
For at least the last two years Synchrony Bank ( the " Bank '' ) has permitted a third party to access and use my credit card rewards ( Banana Republic store vouchers ). Despite several calls to discuss this issue, the Bank has refused to provide me with information regarding who is using my rewards and how many rewards have been used by the third party. Moreover, the Bank has refused and/or failed to stop the third party from using my rewards despite repeated notice of the data breach. By permitting a third party to use my rewards, the Bank has disclosed my spending habits to an unauthorized third party.

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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On or about XXXX, XXXX, I applied for and received a Kroger Prepaid Visa Card issued by US Bank. On XX/XX/XXXX, I made a purchase of {$600.00} on my card from XXXX. Several minutes later, my order was canceled by XXXX because the item was no longer in stock. XXXX advised me that they released the authorization upon canceling the order. When the funds did not go back into the account within two days, I followed up with customer service. I was advised that they would retain the funds for 10 days, which would indicate that the funds would then become available on XX/XX/XXXX after XXXX XXXX. As of the date of this complaint, XX/XX/XXXX, the funds are still on hold. 

Most disturbing, however, is the fact that this card is issued by US Bank as delineated on the back of the card and in the Agreement. However, US Bank disclaims any knowledge or responsibility for this card. When I sent an email to US Bancorp Executive Vice President and General Counsel XXXX XXXX, my email was forwarded to US Bank Executive Communications Unit. This office refers to themselves as " Office of the President. '' Essentially it appears to be an escalated form of customer service. A representative named XXXX called me and was wholly confused as to what a Kroger Prepaid Card is and stated that her office does not handle these matters. I asked her to forward my complaint to the correct office which handles this business line of US Bancorp, but received nothing responsive to my request for assistance. 

I am in the process of filing a lawsuit against US Bank in connection with this matter. It is completely unacceptable that the Bank is operating in this manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX claims I owe {$510.00} for a credit card ; this is invalid. This account should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I used my rewards points to book a flight last XXXX.In order to do so, I had to book through Chase 's travel portal, which works with XXXX. Due to a medical emergency, I had to cancel the booking before flight. According to the airline, if I provided medical documentation, then it would refund my flight in full ( I have this in writing, and I have been told this multiple times over the phone by the airlines customer service ). I contacted Chase and was advised that their " offline team '' would contact me to request documentation. I was emailed in XXXX asking for the medical documentation to send over to the airline. I sent it over on XX/XX/XXXX. To date, the airline says they have not received any documentation. I have spent hours on the phone with Chase 's " supervisor '' line, and have had no success in moving this along. Chase insists that the airlines customer service phone number is experiencing technical difficulties, but I can contact the number listed on the airlines website and immediately speak to customer service. I even bridged a phone call to prove to Chase that the airlines phone number worked fine, but was told by Chase it was against their policy to do this.Meanwhile, the airline confirmed to me that they had processed all refund requests up to XX/XX/XXXX, meaning they never received my request from Chase. At the same time, Chase insists they sent it over, but has taken no further action. Two weeks ago, after another marathon call with Chase, I was advised the " offline team '' would reach out to me within 48 hours to assist. I never received any communication from the offline team trying to resolve this issue. 

I've exhausted my time trying to get Chase to resolve this as it is the only roadblock to refunding this flight. Ive done my part, and the airline is willing to refund this ( and has said it only takes a few days to process the refund once documentation is received ), but Chase is acting a roadblock. If I hadnt used my reward points through Chase 's travel portal for this flight, I never would have had this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 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: SC

Complaint narrative:
Equifax I have called them on numerous occasions asking for XXXX XXXX XXXX to be removed from my credit file as this information is incorrect I no longer own this debt it has been satisfied, I started contacting them on XX/XX/2020 up until XX/XX/2020 I have a letter stating that they have sent to them my information to be updated and it has yet to come off this Debt is for {$890.00} from XXXX XXXX XXXX, I have the most issues with Equifax and the reps because there is language barriers that prevent them from assisting me to the fullest each time they open a dispute and comes right back verifying the debt that is inaccurate. 
XXXX I called them starting the same dates as mentioned above and no results. 
XXXX  - I called them and same as mentioned aboved

Company response to consumer: Closed with explanation