vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX : XXXX XXXX LOAN ( XXXX ) ~SLS LOAN ( XXXX XXXX RE : FRAUDULENT WELLS FARGO/HSBC INVESTORS/SPECIALIZED LOAN SERVICING INVESTORS HOME RETENTION GUIDELINES I contracted a 30 year mortgage loan of {$540000.00} with XXXX XXXX XXXX XXXX guaranteed by the United States Government agency , XXXX XXXX XXXX to purchase a house in New XXXX XXXX NY XXXX. 
In XXXX, XXXX XXXX secretly sold my mortgage to a private Investors, XXXX without informing me ; until XXXX when I came to find out from Court Documents from XXXX XXXX. 
I protested then, and was informed by XXXX XXXX that it would not affect me adversely and was the usual practice in the industry. XXXX XXXX elected to keep the role of Loan Servicer, after selling my loan to XXXX Investors. 
The borrower discovered recently that XXXX XXXX unilaterally sold my loan to XXXX Investors so as to remove the US Government agency, XXXX XXXX XXXX guarantee that protect me against hostile predatory practices, without informing the borrower, and benefit from the CARES ACT and other provisions to alleviate the sufferings of Americans due to the Pandemic. 
The borrower would have elected to refinance the loan from another lender with the cover of the US government guarantee through XXXX XXXX XXXX and benefit from the CARES Act ( para. 7 of Exhibit ) In XX/XX/XXXX, XXXX XXXX transferred the loan servicing, to Specialized Loan Servicing ( SLS ). XXXX XXXX also transferred my application for loan modification to SLS. 
SLS approved a strange retention program, which added a new balloon loan of {$380000.00} to the existing mortgage ( bringing the total loan to {>= $1,000,000} compared to the original loan of {$540000.00} ; and recall {$520000.00} had already been paid by the borrower towards the repayment of the mortgage ) as a condition for signing and extending the loan repayment from 30 years to 40 years. 
The borrower could not sign the so called approved retention program ; without the removal of the additional loan of {$380000.00}. 
In view of this anomaly, the borrower raised a petition to CFPB in XXXX, XXXX. 
In the response to CFPB dated XXXX XXXX, XXXX ( see Exhibit attached ), paragraph 7, SLS stated that : 1 ) The Cares Act and other applicable United States Acts to protect consumers are not applicable to this loan, because it is no longer owned or guaranteed by a government entity- XXXX XXXX XXXX XXXX It is now governed by the Investors Guidelines-XXXX XXXX  XXXX, XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX. 

2 ) The XXXX Investors guidelines have their tailor made modification that does not consider income or expenses in the review process unknown to the borrower. Meanwhile the borrower was made to submit their documentation on income and expenses in the loan modification application.

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 2021-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
On XX/XX/XXXX, I was transferring funds from one account to another using debit cards for banks when I accidentally gave my Chase card to teller, she ran the transaction and we inadvertently took a cash advance for {$1000.00}. I realized the mistake immediately, and within one hour we deposited {$1800.00} on that same card WITHIN the hour. The {$1800.00} was the total amount showing on line for that card at atet time. I also called the bank to let them know I made a mistake. we were charged {$50.00} for the transaction fee and not one but TWO interest charges on this transaction, please see statements. We had never left a balance on this ( or any other ) card before, this was obviously a mistake, and yet they refused to do anything about it, their response was to charge us yet another interest charge. Basically, their fees and charges for the accidental use of their {$1000.00} for one hour would embarrass a loan shark. Please see attached statements. Not that it matters, but the account the money was moved into held $ XXXX, we did not need to " borrow '' {$1000.00} for one hour. We have closed this account, and while unfortunately we have two other cards with Chase which we need for their connections to other businesses we have no intention of using these cards for anything other than their connections

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
Radius is the third company to try and sue me for the same debt the debt has doubled plus some and I want help resolving this Ive asked the last two times they just keep selling the debt its doubled I will pay the XXXX I will not pay six XXXX Im not paying their interest for closing my account when I was at XXXX Im not paying their interest fees because they did not want to work with 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 2021-04-14 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: TN

Complaint narrative:
I submitted a letter on XX/XX/2021 regarding unknown and inaccurate information on my credit report.As of this present date, XX/XX/2021, I still have not received any response, which is more than 90 days later. I am under the impression my disputes are being ignored and disregarded. I also feel I am being taken advantage of and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of wrong individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Remove this from my report it has been more than 30 days an XXXX and XXXX had 30 days to respond and they have not responded please have them remove this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}

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 2021-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX, {$4800.00} was withdrawn from my account, to be returned to the SBA, despite being eligible for an EIDL loan and confirming this multiple times with the SBA.

As of today,XX/XX/XXXX, no funds have been received by the SBA. Where is my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I filed an initial dispute with the bureaus on XX/XX/XXXX due to there being invalid and unverifiable information on my credit report. I never received a response from the bureaus so I sent another dispute on XX/XX/XXXX. Still, nothing from the bureaus! So I submitted a 3rd dispute on XX/XX/XXXX as well as a complaint through you because of the bureaus not communicating or acknowledging my disputes at all! This is now my 2nd complaint because you claim you need me to AUTHORIZE myself and my complaint, this is just hindering the process even more so!

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 2021-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
I am upset because I wasnt able to get any money from the equity I have in my home. My house was appraised for {$170000.00} and I only owe {$59000.00}. I want to borrow at least {$40000.00} to do some on my house ; so, the value will go up in my house. I also tried to explain to them I was tax exempt from real estate taxes. My credit score has dropped tremendously because Ive been trying to borrow $ $ on my own. Its sad when you cant get no one to help you when you need it the most.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a victim of identity theft, I filed a Report Numbered : with the FTC and the XXXX  is the only Bureau that is still reporting the fraudulent account, every time I call stay on phone for hours they keep on giving me the runaround. 
it s a Citibank credit card account opened fraudulently.

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 2021-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NOVAD Management Consulting, LLC
State: NJ

Complaint narrative:
After doing a loan modification we received an approval but the payment was too high for us. To save our credit we decided to do a short sale with XXXX. When we began this process we were less than 4 years behind on the mortgage. XXXX took forever to work out our short sale and then they transferred the loan to XXXX XXXX owner of the loan is HUD ). We then had to start the process all over again. 

HUD recently denied us stating we are 40 months past due so they wont review our short sale. XXXX did an appraisal which came in at {$470000.00} three months ago and the offer is a full price offer which is {$470000.00}. HUD has denied giving us proof of this 40 month rule saying its an internal rule and there is nothing on paper. Even if this so called rule does exists, the basis of it makes no sense to all parties involved, included HUD. 

The short sale has been in process for 2 years. The bank has done several appraisals showing value of XXXX. The offer is {$470000.00}. The buyer has stayed around through delay after delay and has a family which they were trying to place in the home and in the school system. Why would HUD want to waste tax payer money to take a home in which they have an offer at the the current value of the home? We understand the borrower is behind and he is trying to do everything to avoid a foreclosure. There is no justified reason to let this house go into foreclosure when we have such a solid offer, again, at the market and bank value. 

HUD will have to evict the owner after a foreclose and then resale the house which could take a few years and will end up with a potential offer lower then what we have or at the very least equal to it. After taking into consideration fees, costs and expenses over the next 12-18 months HUD will take even more of a loss then they have which in turn will cost tax payers even more money that can be avoided. We have a strong buyer who can close within 45 days of short sale approval. Please have this decision overturned and approve the short sale. 

( XXXX ) XXXX case # XXXX. This is the contact information we had and spoke to several reps.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BMO BANK NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/2021 mortgage was paid in full. On XX/XX/2021 a mortgage payment of {$860.00} was withdrawn from our account causing an overdraft. The bank was called and the mortgage paid in full on XX/XX/2021 was acknowledged. I was directed to discuss the matter on XX/XX/2021 with the mortgage company. They directed me back to the bank as there was no longer a mortgage and they did not do the withdrawal. I called BMO Harris and was then directed to my bank in XXXX XXXX AZ. I asked for the Manager XXXX ....? and was told she was busy and would call back. This was XX/XX/2021. A gentleman called me back. I explained the situation and the now updated account with an additional {$36.00} overdraft charge. He told me this would be taken care of, and within the next 48 hours the Overdraft would be reversed and the {$860.00} would be returned to our account. On XX/XX/2021 nothing had been corrected. I again called BMO Harris in XXXX XXXX and asked for the manager - XXXX ...? I was told she was busy and would get back to me. The same gentleman called and said the correction and overdraft would be corrected in 72 hours. On XX/XX/2021 there are now overdraft charges to the sum of {$56.00}, the payment has not been refunded and the manager is out of the office. 
I want the payment returned and all Overdraft charges reversed. I do not understand where this money would have gone as there is no mortgage account to pay? Is this theft? Fraud? I am not sure. A simple computer mistake because of dates is acceptable. This has gone on far too long to be more than a 'clerical ' error - in my opinion. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: TX

Complaint narrative:
Inaccurate late payments are showing on my credit file. This has caused me tremendous stress. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.

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 2021-04-14 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: TX

Complaint narrative:
Inaccurate late payments are showing on my credit file. This has caused me tremendous stress. I am unable to get a mortgage loan due to this erroneous reporting. I tried to resolve this matter with the creditor and the bureau and I have not received responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
NewRez LLC was my mortgage servicer as of XX/XX/XXXX. On XXXX XXXX, XXXX, NewRez made a payment of {$3700.00} to XXXX County, Maryland by mistake for the property tax, where the property was located in XXXX XXXX County, Maryland. Since XXXX XXXX, I have requested NewRez to request refund from XXXX XXXX and pay to the XXXX XXXX county for the past due property tax. But NewRez failed to do that. Because the property was made to the wrong county, the property tax due to the right county was past due and penalty was occurred. As of XX/XX/XXXX, the refund was not requested by them and past due property was not paid. On XX/XX/XXXX, I paid off the loan with NewRez. Since the loan was paid off, NewRez told me that I have to pay the past due property tax myself. As for the penalty, I have requested them to pay. But as of XX/XX/XXXX, they did not pay anything and the penalty will be increased if not paid timely. I have called, emailed and mailed to them more than ten times for this issue and very frustrated for their action and efforts. 

FYI, the payment was made to the wrong county two times. I have informed them the wrong payment in XXXX XXXX and they did not make the correction, which cause the second wrong payment in XXXX XXXX. Also, I informed that the annual escrow analysis is wrong and increased monthly payment ( more than {$400.00} ) need to be adjusted to the right amount. But they fail to do that. I over-paid amount to the escrow account, but they did not pay me any interest for the over-paid amount, which caused by their mistake.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I filed an initial dispute with the bureaus on XX/XX/XXXX due to there being invalid and unverifiable information on my credit report. I never received a response from the bureaus so I sent another dispute on XX/XX/XXXX. Still, nothing from the bureaus! So I submitted a 3rd dispute on XX/XX/XXXX as well as a complaint through you because of the bureaus not communicating or acknowledging my disputes at all! This is now my 2nd complaint because you claim you need me to AUTHORIZE myself and my complaint, this is just hindering the process even more so!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 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: MI

Complaint narrative:
I sent an certified letter on XX/XX/2021 that included all the necessary information to have the 4 accounts removed my my credit report along with evidence for each. TransUnion did not take any time to do an investigation and simply put meets fcra requirements. This was updated to this note immediately! XXXX  and XXXX have already removed the accounts. This is one example of why TransUnion is facing a lawsuit for not investigating disputes properly. Three out of the 4 accounts are companies that are not licensed in Michigan and did not provide the validation and verification I asked for. The fourth account holder did not respond to my request for validation within the 30 days allowed.

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 2021-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is for a Capital One Auto Finance Loan, account number ending in XXXX. 

Overall, because I was having issues paying my bill online at Capital One 's website, I instead started a online payment with my bank. However, because of time issues, I decided later to just do a payment with XXXX XXXX XXXX and they received payment from XXXX XXXX XXXX. However, I forgot to cancel my online bill pay, and Capital One now received the same payment twice, from different sources, for the same amount. I did not intend to do this, it was mistake, and I remember doing the same thing about two years ago. At the time, I just called, and they refunded the additional payment for me. However, Capital One has developed this new and popular authoritarian style of interacting with customers, you know where companies basically treat customers like employees ( and employee should be treated like this either ). However, after calling and explaining, they are refusing to help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have looked up my credit reports and seen I had late payments on my student loans. I work very hard to make sure that I pay all of my bills on time and hate that my credit is being ruined over something that is not true. I have tried calling and sending letters to get the situation fixed but I'm getting the run around. I sent my lettersXX/XX/XXXXstill no response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal has {$2800.00} of my money in their account. They have placed limitations on my account. I have clicked through the resolution center and complied with what they are asking for. I have tried to use their messaging system. It is a bot. I left messages for the company but have not received a reply. I have called and waited on hold in excess of 2 hours. No one answers. I want my account freed so that I can collect my money that they have held for a long time. I believe they are making this purposefully difficult and that they must have some responsibility to reply to a customer whos assets they have locked and are holding. Please help.

Company response to consumer: Closed with non-monetary relief