vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
This is a follow up on the original complaint number : XXXX XXXX XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE LOAN NUMBER ; XXXX ( SPECIALIZED LOAN SERVICING ) INVESTOR ( XXXX XXXX ) According to the servicer the investor listed on the mortgage note is XXXX XXXX . XXXX XXXX has denied that they are the investor and the loan is serviced by Specialized Loan Servicing. 1. According to Specialized Loans Servicing, XXXX XXXX does not allow a recast on this loan. XXXX XXXX has repeatedly stated they are not aware of this guideline. 2. Specialized Loan Servicing took a payment on XX/XX/XXXX for the month of XXXX, XXXX stating that payment will allow the loan to be setup for a bi weekly payment. On XX/XX/XXXX XXXX the servicer request a payment be made and applied towards XX/XX/XXXX mortgage payment at which stage a bi weekly payment will be allowed. At this point they have taken two payments and they are not able to setup a bi weekly payment for the month of XXXX on Specialized Loan servicing has not clearly described the reason why the loan is ineligible for a recast.

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 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
I am not liable for this debt that AssetCare LLC, has put on my credit report prior to any debt validation. As of today, they have still not send me any documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: TX

Complaint narrative:
The AAFES XXXX XXXX charge card was opened in XX/XX/XXXX, always was in current status. 

In XX/XX/XXXX, due to circumstances, my account went past due. It however never reached charge off status, yet, on my credit Army Air Force Exchange Services, always reported it as a charge off, and at that time, they had me make a payroll deduction, until I paid it off in XX/XX/XXXX. 

Now, suddenly, after paying it to a {$0.00} balance, it is reported on my credit as having been paid late for the last 4 1/2 years and it also shows that it was paid under a partial payment agreement.

At that time I made arrangements with the " internal collections department '' at AAFES, I was never offered any type of reage program or told that I was paying it under a partial payment agreement. 

I feel that the representatives with whome I spoke to in XXXX, didn't follow proper procedure, didn't offer me a reage program, and lied to me, telling me, that my account was already charged off, even though my account never reached the prescribed amount of time required by regulations, to be an actual charge-off account. 

I feel that I was wronged then, and I am especially being wronged and punished twice, as now I have over 23 months of late payments suddenly show up on my credit bureau, which is affecting me in several way at this time. I might have to take the complaints to a higher level, maybe legal action will have to be initiated, if things are not corrected on my credit bureaus.

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 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP
State: OH

Complaint narrative:
XXXX uses KeyBank for business banking. XXXX has multiple services through them including positive pay -- which gives the company ability to upload checks so vendor name and amounts can be checked before cleared to prevent fraud. 

XX/XX/XXXX dropped off a batch of checks to vendors at the US Postal office located in XXXX, Ohio. The batch of checks were stolen and two were altered. The alteration included changing the physical check and vendor that it was issued to. 
XX/XX/XXXX two checks cleared bank with the altered information totaling {$44000.00}. 
XX/XX/XXXX Vendor check was issued to called and inquired about where payment was? This cued XXXX that checks were altered. 
XX/XX/XXXX Police report made XX/XX/XXXX XXXX affidavits were submitted to KeyBank to report the fraud loss to XXXX XXXX and XXXX XXXX with KeyBank. The affidavits included copies of the original checks and the copies of the fraudulent checks. 
XX/XX/XXXX, XXXX followed up to request update. At that time, XXXX was informed that there was no record of a fraudulent claim for these checks. XXXX was then promised by XXXX XXXX that a case would be opened to start investigation. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX for update with no response. 
XX/XX/XXXX emailed XXXX XXXX with no response. 
XX/XX/XXXX emailed XXXX XXXX to inform them XXXX would file a complaint and take legal action since no action was being taken. 
XX/XX/XXXX Called XXXX XXXX and was informed case was being escalated. 
XX/XX/XXXX Received phone call from XXXX with Keybank requesting all the information be emailed to her for escalation process to start. 
XX/XX/XXXX All information was sent to new point of contact. 
XX/XX/XXXX emailed for update with no response. 
XX/XX/XXXX emailed for update with no response XX/XX/XXXX emailed for update with no response XX/XX/XXXX phone call to customer service and they stated XXXX was not able to take our call. 
XX/XX/XXXX Keybank is still refusing to communicate with XXXX on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report with experian to remove and delete all inaccurate information that is hindering my file an causing denials in approvals on applications. checking all information listed all errors need to be deleted an corrected. this has been an on going issue. please review an remove the items listed asap.

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 2023-04-26 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: MS

Complaint narrative:
15 USC 1681 Section 602 : States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I had XXXX XXXX account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as fisherman in XXXX  and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had XXXX XXXXXXXX  account on my credit report that isnt belong to me I have tried to disputed it with the credit bureau and XXXX as well.its my information on it but I didnt open it, I work as XXXX in Alaska  and most of the time I have prepaid mobile phone if the check on my credit profile you will see that I always have new numbers and some hard inquiries and collections that doesnt belong to me. Out of year I only home for 3 months only. I keep asking my roommate if they take my information for anything I dont know about they keeps lies in my face please help.

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 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I have received 3 notices from " Credit Collection Services '' in XXXX, Mass. stating I owe XXXX XXXX {$790.00}. I sent back their notice reporting that I did not owe this nor do I have an XXXX XXXX account. They have ignored my responses. I have also called them x3-first 2 times they hung up on me.

Today I called and got a rep named XXXX who said I owe the above amount. She told me to contact XXXX ( which I have done XX/XX/23 and again today, XX/XX/23. 
I was transferred to the ID Theft Dept and finally the XXXX XXXX Security Team who stated they have no record of an account with them, or of an invoice stating I owe any money to them, and they will research. 
I do not want my credit rating affected or ruined because of this. 

The company is harassing me and XXXX personnel stated it may be a scam or an attempt at ID Theft. 
I want to file an official complaint against : Credit Collection Services, XXXX XXXX XXXX, XXXX, Mass XXXX Phone= ( XXXX ) XXXX -- XXXX. Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
After the XXXX  in XXXX it was apparent the family home was in foreclosure. I attempted to work with Wells Fargo by producing 10 packets through XXXX and was denied a new loan, I used a local housing counseling program as requested, and tried mediation. I received a letter from Wells Fargo on XX/XX/XXXX stating that the property did not qualify for a HAMP loan because it was " a three unit, investment property. '' The property is NOT an investment property, I called immediately and left a message ; it was a home on 1.69 acres ; I had no idea where the idea it was an investment property came from. I received a letter of apology from Wells Fargo on XX/XX/XXXX stating that their previous letter of XX/XX/XXXX incorrectly referred to as a " three unit, investment property. Per the original loan application, our records indicate that the loan was originated for a single owner occupied property. '' " WFHM regrets any inconvenience or confusion this may have caused you. '' The letter stated my loan " is in review ''. Once I received the HAMP loan the mortgage jumped from {$290000.00} ( XXXX ) to over {$350000.00} ( XXXX ) and WFHM refused to negotiate to forgive or allowed for their error involving their mismanagement and misinformation of the property. I believe the hardship of 3 years plus they unwillingness to forgive any of the penalties and interest qualifies for the pay out being offered. The loan was also supposed to be in my name only and yet to this day they have not taken my former husband ( now deceased as of XX/XX/XXXX ) off the loan as promised. I signed the paperwork for the HAMP alone and he was not part of the HAMP loan as we were divorced and he did not fill out any of the 10 packets. Why is the loan still in both our names when only I applied? WFHM informed me ( in XXXX ) that to take his name off required another re-finance that I felt was too costly ( I was quoted between {$40000.00} to {$50000.00} ).

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citibank has called me before XXXX on XX/XX/XXXX and XX/XX/XXXX from number XXXX. They are also calling XXXX to XXXX per day from XXXX and the number ending in XXXX. The constant calls started on XX/XX/XXXX and have continued throughout the month. The harrassing calls have now escalated to calling before XXXX multiple times. I read on the XXXX rule, and they have definitely exceeded the number of calls that should be made. Please investigate and fine the company, to prevent this harassing behavior from continuing.

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 2023-04-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy. 

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: AppFolio, Inc.
State: SC

Complaint narrative:
On Tuesday XX/XX/ I sent a security freeze request to Appfolio through email. I did not appreciate the response that I was given. An agent responded by saying " Appfolio is not a credit bureau and can not freeze your credit. '' I then responded by saying that Appfolio is a consumer reporting agency and I have the right to obtain a freeze on my credit report. They have been reporting information in my name without written consent which is a violation of 15 USC 1681b ( a ) ( 2 ). This are also violating 15 USC 6802 b ( c ) they never gave me an explanation of how I can exercise my to not have my information reported.This company is clearly depriving of my right 18 USC 242 and is conspiring against my rights ( 18 USC 241 ) by selling my information against my permission which is also identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: NY

Complaint narrative:
I have disputed a couple charge off thats are negatively reporting every month like a payment history on each of my credit report. They have not fixed the issue on my credit report. Its an XXXX account that has charged off XX/XX/XXXX but is showing past due as of XX/XX/XXXX of {$540.00}. I sent in letters and disputed on the online account and nothing has happened. A couple others the same exact thing. XXXX XXXX tab same thing reporting as charge off every month as of XX/XX/XXXX in the amount of XXXX and XXXX XXXX  same thing as of XX/XX/XXXX they are reporting every month as a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Aqua Finance, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I requested from Aqua Finance my loan documents as I have had this loan for a later over three years and I have noticed little to nothing changing on my loan balance. Originally, I was told it would take a 24-hour notice from the XXXX. I recalled Monday and they advised me it usually takes 24 to 48 hours. I haven't received the requested documents. This company doesn't even provide me with my loan statements in order for me to pay this loan off quickly. After reading the XXXX reviews many other have the same complaints I do. This company practices predatory lending as they hide all their fees, and their officers do zero explanations on these predatory contacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a credit card with TD Bank. I closed the account in XXXX, XXXX. I kept receiving statements and then a new card in XXXX, XXXX. Each time I called and was told the account was closed. In XXXX, XXXX I received a statement with a balance due. I was unable to call the bank due to their non-functioning callback system, so I went to my local branch. Again, I was told the account was closed. HOWEVER, they insisted that their original terms of service stated that they would keep accepting charges to the account EVEN when it was 'closed ', and there was nothing I could do to stop them. I asked how long they expected to continue accepting charges, and they said 'forever '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
I already have disputed this account multiple times for the last 6 months and there has been no any respinse after the account information submitted has met the FCRA requirements. The account informations reporting are all inaccurate and doesnt make sense at all. The last active sates and the opening dates of this account has been varying from one bureaus to another. Under 15 U.S. Code 1681 ( e ) ( B ), this is a violation of my rights as a consumer for non compliance. Please remove these account referenced to the files attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I have a Business checking XXXX account but I never used it. It charged me {$200.00} in monthly fees already and I have been contacting them for closing this account. But they charged me again on XX/XX/XXXX making the balance to be negative and used this excuse to not close my account. I really don't like this kind of scam. Charging the customer, making the balance negative and refusing to close using this excuse, and charge again on an ongoing basis. 
I hope BMO would do the correct thing for the customers, and stop this kind of practice. 
Simply close my account. 
Thanks!

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 2023-04-26 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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