vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXX. XXXX XXXX XXXX, Texas XXXX RE : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service Research : XXXX XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). 

XXXX XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX/XXXX/XXXX from 2015 to present ( for which they were refunded ). 

Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXX XXXX/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State XXXX  XXXX XXXX XXXX at XXXX and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXX XXXX has never made insurance payment for Loan # XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Loan Number : XXXX XXXX XXXX XXXX Attn : Customer Service XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX XXXX : Notice of Error for Outstanding Mortgage Balance for XXXX XXXX XXXX # XXXX Dear XXXX XXXX Customer Service XXXX : XXXX XXXX/SeterusXXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but XXXX XXXX/Seterus/XXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. 

XXXX XXXXSeterus/XXXX has ignored this Notice of Error caused by them since 2015. 

Because XXXX XXXX/Seterus/XXXX  refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. 

XXXX XXXX/Seterus/XXXX  has caused my credit score to decline from XXXX to now XXXX ( XXXX ) and XXXX ( XXXX ). 

XXXX XXXX/Seterus/XXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. 

OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the XXXX lien holder ). 

XXXX XXXX/Seterus/XXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. 

Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. 

Duplicate tax and insurance payments were made by XXXX XXXX/Seterus/XXXX  from 2015 to present XXXX for which they were refunded ). 

Attached are the following documents Tax payments XXXX school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). 
Tax payments refunded to XXXX XXXX/Seterus from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, XXXX XXXX must correct this error or XXXX XXXX will contact New York State XXXX XXXXXXXX XXXX XXXX at XXXX and at XXXX. 

As required by law, XXXX XXXX must provide a written respond to this Notice of Error within 30 days. 

All taxes and insurance has been paid by XXXX XXXX since the loan inception. 

XXXX XXXX/Seterus/XXXX has been refunded for all taxes that it has paid in duplicate since 2015. XXXXXXXX XXXX/Seterus/XXXX  has never made insurance payment for Loan # XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
I accepted a job offer that was posted on XXXX. My employer sent me a check in mail to purchase various office equipment via the XX/XX/XXXXI was told to inform him of when I got the check, so that he could give me the information to make the purchases. I recieved the check, deposited it into my account, and recieved email confirmation from my bank the funds were in my account. I informed my employer, he sent me the information to purchase the funds, and I did so. I a couple days later my account was over drawn from the purchases. I contacted my bank immediately and informed them of what happened. I provided documentation that I received from him, as well as all of the text messages he and I had sent to each other. My bank said that they were going to conduct there own investigation and would notify of there findings. I also went to the police and got in contact with a detective who was put on my case and was given a case number. After about three weeks my bank declared that it was indeed a fraudulent check that had been given to me, but they told me that I was responsible for said check, even there system deemed the check as good, when they released the funds into my account. My bank has been trying to hold me responsible for the negative balance, which I think is ridiculous. They have also frozen one of my accounts that has around {$550.00} in it that I can not access. This has been on going since XXXX of 2020. My hope is that you will help me hold USAA the bank in question responsible for clearing a bad check, and for releasing funds that are rightfully mine. I can provide all documentation that confirms my story.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I paid almost! XXXX To XXXX SLS They say I am delinquent I am not Where is the {$70000.00}?????????? 
They lai cheat This their way to foreclosed and take peoples home make it look like they are right This is their way of business They make money off or fraudulent foreclosure fraudulent late fees cheat They have to use this strategy just to take propkes home and have exude to foreclose

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 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2021, I contacted my bank, Citibank, online to make a money transfer from my Citibank Accelerate Savings Account ( account number XXXX ) to the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX account number XXXX ), with its branch office in my hometown of XXXX, Tenn, XXXX. 
When I called the Citibank consumer assistance phone number, XXXX, I was transferred to a Citibank customer service representative ( who I later learned was XXXX XXXX, working out of Citibank 's customer service office in XXXX XXXX, Texas, XXXX area. I explained that I wanted to transfer all of my funds from my Citibank accelerate funds ( balance of {$170000.00} ) to my XXXX XXXX XXXX account. She said she could handle the transer and wanted to know I wanted to transfer the funds through XXXX, explaining that XXXX was a national firm that made it easier to transfer funds from one financial institution to another financial institution. But she fraudulently attempted on XX/XX/2021, to transfer seven transactions to a private person named XXXX XXXX and another XX/XX/2021 transfer of {$20000.00} to a person named XXXX XXXX. I got all the transfers cancelled except one for {$160.00} to XXXX XXXX. Citibank in a letter to me on XX/XX/2021, acknowledged the possibility of fraud in these transactions and indicated they were doing an in-house investigation. Due to Citibank 's hundreds of offices and thousands of employees and complex online sites I was never able to determine the outcome of this investigation, though the Citibank employee XXXX XXXX had committed several apparent fragrant counts of fraud and attempted fraud. 
I have subsequently changed my Citibank accelerator account to a Citibank checking account ( account # XXXX ) and removed the bulk of my fund.

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 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
Loan Number : XXXX Selene Finance XXXX Attn : Customer Service Research XXXX. XXXX XXXX XXXX, Texas XXXX XXXX : Notice of Error for Outstanding Mortgage Balance for Selene Finance Loan # XXXX Dear Selene Finance Customer Service Research : Selene FinanceXXXX/XXXX has made the error of NOT subtracting the tax and insurance payments made by XXXX XXXX from the outstanding mortgage balance since 2015. Since 2015, XXXX {$36000.00} or more [ i.e. {$31000.00} ( Taxes ) + {$4700.00} ( Insurance ) ] has been paid by XXXX XXXX for taxes & insurance but Selene FinanceXXXX REFUSES to subtract the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance. Selene FinanceXXXX has ignored this Notice of Error caused by them since 2015. Because Selene FinanceXXXX refused to correct the mortgage balance - they pushed my property into FORECLOSURE & have ruined my credit score & prevented me from modifying or refinancing my loan. Selene FinanceXXXX has caused my credit score to decline from XXXX to now XXXX ( XXXX XXXX  and XXXX ( XXXX ). Selene FinanceXXXX can resolve this problem by subtracting the ~ {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance and modifying the loan. OR sell back this loan to XXXX ( 2nd lien holder for them to modify the loan ) AFTER correcting the incorrect mortgage balance ( i.e. subtract XXXX {$36000.00} or more from the {$91.00}, XXXX outstanding mortgage balance & sell back the loan to XXXX the 2nd lien holder ). Selene FinanceXXXX has refused to correct the error with the mortgage balance after countless proof of payment for taxes and insurance were sent to their attention. Attached are evidence of tax and insurance payments made by XXXX XXXX from 2015 to present. Duplicate tax and insurance payments were made by Selene Finance/XXXX/XXXX  from 2015 to present ( for which they were refunded ). Attached are the following documents Tax payments ( school and town/county tax ) made by XXXX XXXX from 2015 to present Insurance payments made by XXXX XXXX from 2015 to present & ( for the life of the loan ). Tax payments refunded to Selene Finance/XXXX from 2015 to present by 1 ) XXXX XXXX Receiver of taxes and 2 ) XXXX XXXX As required by law, Selene Finance must correct this error or XXXX XXXX will contact New York State XXXX XXXX XXXX XXXX at XXXX and at XXXX. As required by law, Selene Finance must provide a written respond to this Notice of Error within 30 days. All taxes and insurance has been paid by XXXX XXXX since the loan inception. Selene FinanceXXXX has been refunded for all taxes that it has paid in duplicate since 2015. Selene FinanceXXXX has never made insurance payment for Loan # XXXX. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
I keep getting calls from a company called Direct Recovery Services ( XXXX ). They are trying to collect a debt for someone by the name of XXXX XXXX. I have informed this company over and over that this number does not belong to anyone by that name. I have asked them several times to remove my number from that account and to stop harassing me. This company calls multiple times a day and will not stop calling. Again, I am not XXXX XXXX, this isn't my debt. How can I make them stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2021 A known trusted family friend asked me to send some money via XXXX or XXXX XXXX. She stated that she went through the daily max and she needed to make a payment. I authorized the {$580.00} payment via XXXX. It turns out that my friend 's XXXX account was hacked and the scammers contacted everyone in her contacts list asking for money. Apparently I was the only one who authorized the transaction. The XXXX account was XXXX XXXX XXXX, no phone number was given. I called my bank Chase and they said they could not give me a refund. Apparently XXXX does not protect anyone against fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX I applied for a cash out re-finance with Loan Depot for my 2BD/BA condo. 

After being conditionally approved and paying for an appraisal which came back successful, sending tax and income documents, I was told that Loan Depot no longer re-finances high-rise condos. 

Loan Depot had successfully helped me re-finance on the same proprety unit in XX/XX/XXXX. 

On XX/XX/XXXX - I get the following email from my Sr. Loan advisor at Load Depot " Yes at this time we are not refinancing high-rise condos. XXXX was advising that we had to decline the loan. '' I'm out {$500.00} dollars and spent 2 month sending paperwork all to have it fall on the floor due to no fault on my own. I have not been made hole and this has caused all types of anxiety and stress due my interest rate of % XXXX and qualifying for much lower rates due to my credit score and good payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SLM CORPORATION
State: AR

Complaint narrative:
Someone from Sallie Mae keeps calling and now they are saying they are going to turn me in to the police. I co-signed for my granddaugter, and she is one month behind. The number calling is XXXX. My grandaughter asked them to put me on the do not call list but they didn't. They keep calling making threats. 

My phone number is XXXX and they call all hours of the day and night. 

I am over XXXX, I have XXXX, and I am in no position to pay this. I would like to be removed from the call list. My granddaugter said she is going to catch up the payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-22 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: MA

Complaint narrative:
Im writing to dispute the following negative items accounts that continue to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

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 2021-02-22 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: Santander Consumer USA Holdings Inc.
State: MA

Complaint narrative:
Im writing to dispute the following negative items accounts that continue to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: MO

Complaint narrative:
US Bank sent me a ReliaCard that I didnt apply for.

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 2021-02-22 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
The XX/XX/XXXX and XX/XX/XXXX Credit Acceptance stated a email was sent to remove COVID status. I didnt receive any communication from Credit Acceptance regarding a minimum payment was due to stay under the status. In result, my credit report is now reflecting 90 day late payment for COVID status I was still suppose to be under. The website now states that a payment had to be made by XXXX. I talk to Supervisor XXXX stated the email was sent on XX/XX/XXXX and that it was nothing they could do that I didnt receive it. Then next I spoke with a Collection Manager XXXX stating it was sent XX/XX/XXXX. I getting conflicting information. The manager XXXX also stated a letter was sent and could not get a date at all.

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 2021-02-22 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: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity thef

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 2021-02-22 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: FL

Complaint narrative:
Please update your information as this account was found to be fraudulent. So it was removed by XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22 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: MA

Complaint narrative:
Im writing to dispute the following negative items accounts that continue to appear on my credit report and profile. These negative items I am disputing are listed accordingly below and Ive either attached screenshots or my actual credit report with highlighted inconsistencies and inaccurate information. Its impossible that these accounts can be investigated because it continues to report misleading, inconsistent, inaccurate, and unverifiable data, and therefore its not in compliance with the consumer laws.

Company response to consumer: Closed with explanation