vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I have a XXXX mortgage and my servicer is Specialized Loan Servicing in XXXX. I had requested a XXXX month XXXX/financial related forbearance for XXXX payments, XXXX through XXXX of XXXX and I advised the servicer I would be able to make full payments again in XXXX of XXXX. I had contacted XXXX XXXX prior to my request to see what options were available and according to XXXX XXXX I was entitled to a maximum of XXXX months of forbearance and that I could also have these XXXX payments simply deferred until the lien was either refinanced or the home was sold without a formal Loan Modification. I made it clear I would make every attempt to repay these XXXX payments much sooner than this scenario. 

I attempted to make a full payment as promised on Monday XX/XX/2022 and I always use the online services of the servicers website. Every available payment option has been blocked from me to use without any explanation and I have repeatedly called the numbers I have to reach this servicer and I can never be connected through to the supposed representative assigned to my account. Its unacceptable that even after faxing my requests and copies of correspondence sent to this servicer previously I get no answers. 

I will file chapter XXXX bankruptcy as an option if I have to, to send this XXXX loan servicer a message, and Ill get a XXXX month plan to repay the past due payments which will amount to approximately XXXX a month plus a normal monthly mortgage payment. 

This servicer is intentionally ignoring XXXX investor servicing guidelines and Im not your typical mortgagor as I am a XXXX XXXX XXXX man with a prior XXXX year career as a mortgage servicing operations manager and Loss Mitigation Manager for some of the biggest banks and mortgage companies in the business. 

It is unacceptable that XXXX will not simply defer these payments pursuant to XXXX XXXX servicing guidelines.

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 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: ADP Inc.
State: IN

Complaint narrative:
On XX/XX/22 i noticed that XXXX  someone was making unauthorized purchases with my card. I could only see that XXXX charges were pending for XXXX, {$290.00} and {$190.00}. I called my card and informed them on XX/XX/22 at XXXXXXXX XXXX They froze my acct. I made them aware that i am still getting notifications that my card is be declined at XXXX and some one is still trying to use it and that all XXXX  charges are unauthorized. Then on XX/XX/22 while my card was still locked they released XXXX payments to XXXX for {$250.00} and {$180.00}. XXXX not sure why they did this on a locked account. i called them and they said they had to do this to go through the process of fixing my acct and " i was not to worry ''. Their card holder agreement state that if i report the charges within 2 days of knowing about it that the most money i would lose is {$50.00}. They are refusing to give me any of the this money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good Day Please be advised that Bank of America is not complying with reversing legitimate fraud charges. 
In my case though they acknowledge the charges arent valid they refused to credit it back because it was reoccurring for XXXX XXXX 
( These charges are from XX/XX/XXXX - XX/XX/XXXX ) Im certain they have made this exception in other similar circumstances and I believe class and perhaps race prevents them from honoring my proven claim. 

In addition to this, there service is horrendous in that you cant even get a email response from what is supposed to be their escalations team. 

Ive sent numerous emails and was eventually told Bank of America does not send external emails ( thus no response ) They have turned back the hands of time and request customers fax in there information. 

I actually went to my local branch to have my supporting documents faxed only to wait to be unseen by the XXXX XXXXXXXX. I was eventually given her business card only to discover the voicemail name for the corresponding number did not match. 
I nevertheless left a message and have not received a returned phone call. 
Im certain if I were a prominent figure this would not be happening which leads me to XXXX Bank of America ethics.

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 2022-12-14 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: AL

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: U.S. BANCORP
State: IL

Complaint narrative:
These companies performed Unauthorized inquiries on my credit report, 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 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 2022-12-14 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no 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 explanation
Consumer complaint received 2022-12-14 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: TN

Complaint narrative:
XXXX Transunion keep listing an old XXXX  XXXX credit card bill thats XXXX or almost XXXX years old opened in XXXX. XXXX XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX XXXX and couldnt pay it. Now XXXX XXXX  is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least XXXX years past due. I cant see when this is going to come off?? XXXX years? Pleas help 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 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX, a trade name of XXXX XXXX XXXX XXXX XXXX, ( MO License # XXXX ), while rate shopping for a VA loan on XX/XX/XXXX. After learning of their products, I decided I did not want to utilize their services. I had not provided them with consent to run a hard credit inquiry at the time. 

On Tuesday, XX/XX/XXXX, I learned that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ran a hard inquiry on my credit history without my permission. After calling XXXX XXXX ( NMLS XXXX ), he was confused as to how this was done. He told me that they received a completed application with social and permission to run my credit history from their internet portal and suggested I contact technical support. 

I am filing this complaint proactively as I do not believe this to be a technical support issue but actual fraud on XXXX XXXX and XXXX XXXXXXXX XXXX XXXX 's part.

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 2022-12-14 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: DE

Complaint narrative:
These accounts should not be furnished on my consumer report. 
Us code 1681c a consumer reporting agency must block the reporting of any information in a file of a consumer that results from an alleged identity theft

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 2022-12-14 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: Receivables Management Partners, LLC
State: IL

Complaint narrative:
I SENT A VALIDATION LETTER ON XX/XX/2022 AND NO RESPONSE FROM RMP SERVICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had noticed there was {$800.00} transferred from my account to another account via XXXX  on XXXX  morning XXXX. I contacted Wells Fargo the same day about the situation to file a fraud claim claiming that it wasnt me. They told me theyd get back to me in XXXX business days. Today was the XXXX business day so I decided to call them to see where the process is at, because XXXX XXXX received a call or any update referring to my case. The agent I spoke to stated that my claim had been denied on XX/XX/XXXX & that there was nothing I can do to dispute the charges. I am now filing this claim in hopes to properly get this resolved.

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 2022-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-14 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I was with Caliber Home Mortgage for Month of XX/XX/2022. 
They switched me to XXXXXXXX XXXX XXXXXXXX starting XX/XX/2022. 
I am in a federal program called HAF  Home Owner Assistance Fund. 
My department with HAF said check was sent to Caliber on XXXX XXXX. 
The amount was XXXX for the XXXX Payment. It is now XXXX XXXX and Caliber said they never got it and also checked with XXXX and they said it was never sent over by Caliber to them. I am trying to find out why my payment for XXXX has never been posted. Again the amount was XXXX for month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: American Profit Recovery, Inc., Marlborough, MA Branch
State: IL

Complaint narrative:
SENT A VALIDATION LETTER TO THE COMANY, NEVER RECIEVED A RESPONSE ACCORDING TO FCRA STANDARDS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 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: Convergent Resources, Inc.
State: MS

Complaint narrative:
I filed complaint number XXXX with you regarding XXXX account filed by XXXX on my XXXX credit report. You sent my complaint to the Credit Bureau asking for VALIDATION. CONVERGENT  BOUGHT THE DEBT AND sent me a letter saying that they " verified '' the debt on XXXX XXXX XXXX I then called XXXX again. I initially called in XX/XX/XXXX and obtained Reference # XXXX ; I called again XX/XX/XXXX, reference # XXXX ; and XXXX XXXX XXXX reference # XXXX. Each time XXXX said I DO NOT OWE THE DEBT AS THE DEVICE WAS RETURNED DURING TRIAL PERIOD. I filed the complaint with you. CONVERGENT RESPONDED BUT did not VALIDATE THE DEBT. I sent them a letter which I will attach. I will also attach their response. I have been denied credit because of fraudulent reporting of this debt. They have violated my rights AGAIN. I WILL ALSO REPORT THEM TO FTC. XXXX should immediately remove this from my credit report, and Convergent should destroy this debt and not sell it to someone else. IT WAS ALREADY REPORTED TO YOU AND THIS WAS THEIR RESPONSE, JUST TO SEND AN OLD BILL WITHOUT VALIDATION. I HAVE THE RECORDED CONVERSATION OF ME AND XXXX FROM XX/XX/XXXX, BUT THERE IS NOT A WAY TO UPLOAD IT TO YOU. I WILL KEEP IT FOR COURT IF I HAVE 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 2022-12-14 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: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting for these accounts to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
I am XXXX and live on a fixed income. I also live in a transitional neighborhood that is rapidly gentrifying. As such, property values in my neighborhood, including mine, have skyrocketed. An organization that is partially the cause of the rapid increases, XXXX XXXX XXXX XXXX, has started a grant program for legacy residents like me that aims to help us keep our homes by paying tax increases for 10 years. 

My property taxes are paid by the mortgage company and added to my mortgage payment escrow to be paid during the calendar year. It is with this expectation that the program ( XXXX XXXX XXXX XXXX - " XXXX  '' ) pays the difference so that difference can be refunded back to me after the mortgage company has paid the tax bill -- it is not meant as partial tax payment, but rather paid with the specific intent to provide relief in the form of a refund back to me of the XXXX  's payment amount. 

For some reason, Carrington decided to make a partial payment instead of the full tax amount because the beltline had already made their XXXX  payment to the tax commissioner. In so doing, Carrington willfully and deliberately committed what I believe to be fraud by taking both my monthly escrow contributions ( which are meant for insurance and the FULL tax bill ) and only making a partial tax payment that excluded the XXXX paid for my benefit by the XXXX. 

After contacting XXXX, i was informed that i was required to provide proof of both the payment from XXXX  and from the tax commissioner. While redundant, I have uploaded both to the specified website, but was told they would take 10 business days " to research the issue '' despite having caused it and being fully aware that they did. 

I need this money -- it's the whole point of the grant ; and I feel that this horrible servicer is now trying to make me pay twice for something that they already collect in my monthly mortgage payment. 

i SHOULD NOT HAVE TO WAIT on funds that are mine and carrington  should pay me the money immediately as well as interest. This is just the latest of several complaints I have filed on this company and this organization is supposed to help. Instead, once they offer a weak excuse, you are always satisfied, and people like me, especially those of us XXXX with XXXX XXXX XXXX continue to get screwed despite this supposedly being a place to find help. 

At a mimimum, this is unethical, But they took funds that did not belong to them and if not outright burglary, it is at least embezzlement or fraud. PLEASE DO SOMETHING ABOUT THIS. I DON '' T have the luxury of 10 business days ; i need my money now and you have the power to compel them to give it to me sooner.

Company response to consumer: Closed with explanation