vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I filed an insurance claim and my insurance company paid {$81000.00} for damage to my home. They included Newrez on the  check with me, since we both have an interest in the property. NewRez asked me for documents to verify that I have completed the work that I'd like to collect the funds on. I sent all of the requested docs. NewRez never called, so I followed up and they said I only needed a license for the contractor I used and they'd release the funds. I got the license and sent that in. NewRez sent an email saying they were processing the paperwork, but never followed up again. 
So I called and then they told me that the documents I sent before I sent the license are not correct now. They didn't bother to tell me that weeks prior when I followed up and only mentioned I needed a license. So I paid for all of this work to be done and they are still holding 100 % of the funds months later, as I pay interest. Also, I own about 25 % of value of the home, so there's no reason they should be holding every penny of the amount given. 
They were not satisfied with the paperwork, so they asked me to follow up with the contractor again only after I called again. 
NewREz is clearly holding the money hostage. They make no effort to do anything unless I call them, and every time I call them they need more documentation or they tell me something isn't right. 
I asked about the interest on the money that I'm paying and they're collecting while holding it and they only tell me that I can get what's in the account only. So they're profitting while I'm out of pocket as they hold the money hostage. 
I informed them that I'd file a formal complaint and then they said they'll get someone out right away for an inspection. This company is ruthless and leave people hanging as they profit. If this is typical of their business plan they should be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: TX

Complaint narrative:
In previous correspondence to the CFPB, Transunion stated that they started an investigation on my credit file regarding my dispute with XXXX XXXX. Recently I received a credit reported dated XX/XX/XXXX - two days after XX/XX/XXXX as noted by Transunion in response to my previous CFPB complaint. 
This updated report dated XX/XX/XXXX shows a XX/XX/XXXX late payment - this is inaccurate! How can XXXX report a late XXXX payment when the account was paid off in XXXX on XX/XX/XXXX? The credit report also shows a balance of {$780.00} with a past due of {$750.00}. Where is this coming from? This is all completely inaccurate on my credit file. I have provided Transunion with proof of payment IN FULL from my insurance company in XX/XX/XXXX as well as the payment history on that account. FCRA states that the credit bureaus are responsible for ensuring that accurate and ONLY accurate information is reported. Transunion is allowing this creditor to report multiple errors at different times to my credit file. As the credit bureau Transunion IS NOT ACTING in accordance with the FCRA to protect my consumer file. I have attached the most recent update Transunion mailed to me.

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 2020-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank processed a zero percent interest promotion at XXXX XXXX, and I was approved for the zero percent interest. However, XXXX XXXX processed a fraudulent charge - I was told by the XXXX XXXX that in order to hold pricing I needed to sign a sales receipt, but with {$0.00} due. After initially being apprehensive, I was assured by the sales representative that no transaction would be processed, and I had a 3 day grace period to cancel the transaction. The next day, I went to XXXX XXXX and attempted to cancel the transaction, but the manager refused to do so - even though I hadn't received any merchandise, and the sales receipt showed {$0.00} due. I reported this to Synchrony, and initially thought this was a dispute, but Synchrony processed the claim as fraudulent. Over a 4 month period I continuously followed up with Synchrony bank - Synchrony then changed the claim to a Dispute ... .extending the claim. Synchrony miss-represented my claim, and gave me the run around regarding the claim for over 4 months due to internal errors made by the bank. Finally, as I was pressuring Synchrony for the date in which the vendor needed to respond - Synchrony favored the vendor, even with a sales receipt of {$0.00} and no other real information on the sales receipt. It was shocking that Synchrony was allowing this to happen. I received no information regarding the dispute - I constantly had to follow up. Had I not followed up I would have missed the payment - Synchrony  never sent me the dispute information and stated that I had payments due. I was treated very poorly by all of the Synchrony representatives, and they were extremely difficult to work with. After all of my effort, receiving no merchandise, Synchrony is saying the charge was valid and I'm currently paying for merchandise I've never received, and never approved to being with. Attached is the sales receipt showing {$0.00} due, my name only, some internal notes, {$0.00} charges, {$0.00} balance. But I'm paying off a {$4200.00} fraudulent charge.

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 2020-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc.
State: TX

Complaint narrative:
In XXXX I requested a review of my escrow account because it is an FHA loan and the amount owed has dropped below 20 % so that the PMI should not be charged to my account. I was told they would conduct a review and that I would receive a letter within 30 days. 

I contacted them again in XXXX to follow up and I was told they had conducted a review and that I was entitled to a refund and that a check would be mailed to me. 

I contacted them again on XX/XX/XXXX and I was told they stopped charging me the escrow payment but they needed to conduct a review and that a request for review and refund had never been submitted and that a review would take until XXXX at the end of the year. This makes no sense. How did they determine to remove the escrow unless they completed a review. It seems they are holding onto my excess escrow for some reason. 

At this point, it seems like they are withholding my escrow refund purposely for some reason. It has been 6 months and now Im being told it will be near the end of the year, fo them to conduct yet another review..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
A. I have a mortgage with NewRez LLC B. I also have home owner 's insurance with XXXX C. I have been making my monthly mortgage payments in time D. NewRez LLC informed me that they have taken home owners insurance and billed me for it. 
E. I called them and got XXXX to send them the policy by email and also uploaded the policy F. I paid the mortgage for XXXX on XX/XX/20 and for XXXX on XX/XX/20 G. NewRez kept the money in the suspense account because I did not pay extra money for home insurance taken by them inspite of the fact that the XXXX policy was sent to them multiple times. 
H. NewREz also informed many credt agencies about missing mortgage payments and thus effecting my credit and my attempt to refinance at lower rates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
I requested relief due to the Covid 19 and was told that I didn't qualify due to my mortgage arrearage was more than 6 months delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase loan I have been trying to get a yes or no on a question since XX/XX/2020. Very simple but every time I finally get through they don't know the answer, say they are going to forward to somone else, then they disconnect me. 

My husband passed away XX/XX/2020, I just need to know if the re-fi had any type of credit life that would pay off the loan. Very simple question and answer so I can move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunset Management, Inc
State: GA

Complaint narrative:
I am receiving calls from Sunset Finance XXXX XXXX XXXX XXXX XXXX XXXX, GA. They are calling for XXXX XXXX. I have no idea who this person is. I have had this number for almost 2 years. I have advised them on multiple occasions that I do not know this person. They informed me on XX/XX/XXXX that they can continue to call me. I have complained with FCC, on social media, their website and now here. I have been on the Do Not Call registry since XX/XX/XXXX. I have never done business with this company and I have no outstanding debt. The number they are calling from is XXXX. The number they continue to call is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: NY

Complaint narrative:
Theres two hard inquiries on my credit report that I dont know anything about I did not request this from. XXXX XXXX, this is unfair

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 2020-08-13 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: NY

Complaint narrative:
Theres two hard inquiries on my credit report that I dont know anything about I did not request this from. XXXX XXXX, this is unfair

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 2020-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NJ

Complaint narrative:
I contacted the  Fair Collections Outsourcing on XX/XX/XXXX in regards to a phone call I received about a debt. I asked what the debt was for and I did not recognize the company name that was provided. The collection representative did not disclose what the debt was for. He only told me that I owed {$120.00}. I advised that I was not aware of the debt and asked that he send me a notification as I had not received one. He was combative and indicated that I had made a payment on the debt in XXXX but he still did not tell me what it was for. He finally conceded to sending a notification of the debt. It has been almost a week and I have not received anything. I asked for the name of the company that he worked for and he provided but when I asked where they were located he disconnected the line.

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 2020-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Theres two accounts on my credit report showing closed on my credit report which is XXXX XXXX XXXX and XXXX XXXX and should be removed from my credit report my XXXX XXXX XXXX was never late

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 2020-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
i wrote to the collection agency, Mitchell D.Bluhm & Associates LLC, because of an account that they are currently collecting on. however, i felt forced to enter a payment plan because this was comming from an " attorney 's office ''. But as per FCRA guidelines, I have the right to question the validity of any account that is being reported or being collected on behalf of another lender/provider. I honestly do not recall having an open account or even owing any money on behalf of their client. i wrote Mitchell D.Bluhm & Associates LLC, and asked for supporting documentation that shows that i have a binding agreement with their client, that shows my signature, stating that I agreed to services rendered and agreement for payments. i believe that this is a violation from FCRA and should be investigated further.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: UT

Complaint narrative:
I have received a debt collection letter from Nationwide Credit Inc in the amount of {$92.00} I do not owe this debt and have no idea what it's for. 

I have contacted the XXXX XXXX XXXX XXXX and they did not provide any information about the debt on XX/XX/20

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 2020-08-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am the victim of identity theft. I have notified SPS/Select Portfolio Servicing on XX/XX/XXXX and XXXX of XXXX  and again on XX/XX/2020 to CEASE AND DESIST THE ATTEMPT TO COLLECT OR TO REPORT THIS FRAUDULENT DEBT. 
I have mailed numerous letters which I have attached to SPS/Select Portfolio Servicing notifying them that I will only speak to the original creditor of this fraudulent debt. 

Please see letters sent to SPS/Select Portfolio Servicing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
I've had a refinance application in with Navy Federal Credit Union since XX/XX/2019. I've been through 2 and now I'm on my 3rd processor. I was told that this person is a supervisor. I've had my credit pull 3 times I had the appraisal done this year and I hope it's still valid because I don't want to pay or go through that process again. I've been to the branches, sent numerous emails and made as many phone calls. I understand that there is a global pandemic but, my point to them was this process was started XX/XX/2019. If this was done promptly then it wouldn't have been a problem. What can you do to help me? To the best of my knowledge I've been in the final stages for months. I was told to choose an escrow company and I did but, neither them no I know what's going on. Take a look at the screen shots that I've uploaded and you can see that I've provided everything they've asked for in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Theres two accounts on my credit report showing closed on my credit report which is XXXX XXXX XXXX and XXXX XXXX and should be removed from my credit report my XXXX XXXX XXXX was never late

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 2020-08-13 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: NY

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

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 2020-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a part for my motorcycle on XX/XX/XXXX in the amount of XXXX. My mechanic tried installing the part and advise the shop gave me the wrong part. I went to the store where it was purchased and they said they were not going to give me my money back. I filed a dispute in XXXX of XXXX. I was advised that my dispute was opened and I would get paperwork in the mail to fill out and return in 2-3 weeks. on XXXX I received a letter from us bank that my provisional credit would be charged back on XXXX because I did not return paperwork. I then called us bank and was advised that they would re open the claim. 2 weeks went by and I called them back to advise no credit and no paperwork was received they advised they were still working on it. I then called gain in XXXX and spoke to a manager by the name of XXXX XXXX at XXXX and she advised that she was going to have the claim expedited and again that never happened. I received a letter from us bank and it said they were unable to credit and process because the information I sent was insufficient. Well that's a lie because they never called me back, they never sent any paperwork and they never even acknowledge my request for a call back. I have been getting the run around and terrible customer service and us bank does no protect my money.

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 2020-08-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have filed disputes letter to all 3 credit bureaus on XX/XX/2020. I am aware they have 30 days to reply to my disputes it has been well over the 30 days. please help in 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 explanation
Consumer complaint received 2020-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: KS

Complaint narrative:
The original debt is with XXXX. When my husband lost his job, I signed up with a consolidation debt company to manage the outstanding debt I had. XXXXXXXX XXXX did not wish to participate. My communications with them stated I wanted to pay the debt but make arrangement. When it when to collections, the third-party agent " XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX phone ( XXXX ) XXXX attempted to collect. As it is my right under the FDCPA, I filed a cease and desist order under Public Laws XXXX and XXXX. It was sent to, received and signed for a XXXX at XXXXXXXX XXXX XXXXXXXX on XX/XX/2020. 

On XX/XX/XXXX, the courts served paperwork to my husband ( for me ) at our residence. Case is in XXXX County District Court ( Kansas ), case number XXXX. 

It would appear this action was a CLEAR and INTENTIONAL violation of the FDCPA and I wish to submit my claim they indeed violated this. I wish to have the suit dropped and demand {$1000.00} judgments, per the FDCPA law. I would wish to seek settlement with the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13 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: NY

Complaint narrative:
I spoke with XXXX XXXX back in XXXX in regards to this account not reporting to all 3 credit reporting agency 's. I was told by them that they report every 30 days to transunion however its been well over the 30 days and this account is still not reporting. I spoke with transunion again today XX/XX/2020 and was told the account is not showing. I've had this joint account for over 2 years now with a {$4800.00} credit line with excellent payment history and a zero balance as of now. I am again requesting to please report this card to the credit beaurous.

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