vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: VA

Complaint narrative:
Sold house on XX/XX/2021. Escrow balance at date of closing was {$3000.00}. Debit in XX/XX/2021 of {$3000.00}, bringing the escrow balance to XXXX ( verified on XX/XX/2021 statement -statement attached ). 

Waited a couple months for Escrow refund which never materialized. Began contacting company ( LoanCare ) in early XXXX, via numerous emails and phone calls. Customer Service contact line and options were all irrelevant to issue and unable to get a real person via phone. All requests for contact " looped back '' to recordings. 

Contacted organization representative from original loan ( XXXX ) via email between XX/XX/XXXX and XX/XX/2021 and received a direct number to speak to someone at Customer Service on XX/XX/2021. 

On XX/XX/2021, spoke to Customer Service representative and they acknowledged a discrepancy with the account/refund, as well as their inability to explain where the {$3000.00} balance/debit went. During this same phone call, Customer Service initially advised that it appeared we owed {$1000.00}, then reversed and said there appeared to be a balance, but did not expound on amount. Customer Service advised it would be deferred to Escrow Department and that a check would be sent within 7-10 days. 

In early XXXX, we received a check for {$10.00} ( dated XX/XX/2021 - check attached ) for account refund " Miscellaneous Expenses '' - letter attached. 

It should be noted that up to this point my wife was responsible for all contact with LoanCare representative with regard to this issue. Numerous contacts. On XX/XX/2021, my wife contacted Customer Service again because the refund issue was obviously not reconciled. Customer Service advised my wife she was not authorized to discuss the account. I immediately contacted Customer Service and was advised that the " system was down '' and my wife 's authorization status could not be verified. I then reiterated the issue with the escrow refund/balance/debit destination and my displeasure in the handling thus far. I was advised that the issue would be deferred to the Escrow Department ( or a department of that nature ) and that I would be contacted by them within 7 days. Unsatisfied with this, I pressed for a specific date and was told that if I do not hear from them by XX/XX/2021 to re-contact them. 

This afternoon I emailed LoanCare and received an " out of office '' reply. Ive essentially had my fill of this run-around.

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 2021-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have an auto loan through chase auto finance, I couldn't make one payment due to no income, out of work due to covid. I called in and was told I got a differed payment, called again the next month as nothing changed, was transferred to several departments and hung up on 7 times. The payment went passed due. I called the next month several times finally getting in touch with someone, asked for the same difference as the last time. He asked for my situation and said I dont qualify for any " extention '' because my no income situation is " unresolved '' ... no kidding kinda the point. I escalated to a supervisor who reviewed the calls said I never mentioned covid being my reason. Yet I specifically asked for the same extention because nothing has changed... now two payments past due they can help me, but only if I pay at least 1 month of past due and fees. This is extortion through willful ignorance until their policy requires payment to move on .... I requested a copy of all the recorded phone calls and they of course couldn't help me with that. What options do I have im drowning from their malicious practices or utter incompetence?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: SC

Complaint narrative:
I have been disputing this issue since, XX/XX/2021 the credit bureaus is not responding to this issue. i have sent in letters for months. The information that is present on my credit file is not correct. They always say accurate are verified. I need to see documentation of these accounts in question, with original signature. They can not provide me this information. I want these accounts deleted from my credit file within 15 days.

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 2021-09-20 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: FL

Complaint narrative:
XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; Collections XXXX  XXXX XXXX  Opened XXXX {$220.00} ________________________________________ XXXX XXXX  XXXX  Opened XXXX {$490.00} ________________________________________ XXXX XXXX XXXX Opened XXXX {$500.00} ________________________________________ XXXX XXXX XXXX Opened XXXX {$590.00} ________________________________________ XXXX  XXXX  XXXX  Opened XXXX {$2200.00} XXXX XXXX XXXX  XXXX Opened XXXX {$150.00} ________________________________________ XXXX XXXX XXXX  AD Opened XXXX {$500.00} XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I signed up for XXXX XXXX at a second house we bought. I signed up over the phone and I was not told there was an early cancellation fee over the phone. I was unhappy with the service and called to cancel. I was then told there was a cancellation fee but I disputed this because I was not originally told about it. 
The amount owed was sent to XXXX  collections. I filed a dispute it was forgiven. 
Then without my knowing the debt was suddenly owed to IC Systems in the name of XXXX XXXX XXXX. It is the same account but now a new company is trying to claim I owe them the debt. 
I was never notified, they may have mailed things to that house but we sold that house in XX/XX/2019, also the house does not have a mailing address, the only address the company would have had was my home address. they never called or mailed me anything. I only found out about the debt when I tried to refinance my house. 
I paid it to make it go away. I was told I would receive a receipt, I have not. I called back and was told I would receive a receipt by the end of the day. But I still have not. 
I have paid the bill, even though I was not told about this cancellation fee originally and the debt has been given to a new company without me knowing and now I can not get it off my credit report or even proof that it is paid.

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 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious PALM BEACH CREDIT AD Opened XXXX {$150.00} ________________________________________ PALM BEACH CREDIT AD Opened XXXX {$500.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: GA

Complaint narrative:
This is an unfair system to be ignored and taken advantage of while plenty of laws are broken due to malpractice and the severity of not taking my situation seriously. Has caused Financial injury and defamation of character along with 60 plus days of no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
I spoke with IQ Data Solutions to try and resolve an incorrect debt.

I have been transferred to a woman name " XXXX or XXXX '' quite a few times who has been nothing but belligerent and overwhelmingly aggressive in all our phone conversations. She mentioned that I am a liar about them yelling at my under aged child. My daughter answered my phone prior and someone yelled at her and thought she was me just because she doesnt have a child like voice. They have done this several times as my daughter sounds a lot older than she is. 

I have been called out of my name and everything under the sun but a child of XXXX. They have contacted my husbands cell phone at XXXX and XXXX XXXX  which is illegal. My husband and I are at a crossroads and trying to get this debt settled and removed from our credit reports, but this company is relentless with the belittling tactics. This company is extremely abusive, aggressive, and unprofessional. We can not continue trying to contact them and deal with them when they treat us less than human. 

I spoke with the XXXX XXXX XXXXXXXX manager, XXXX and she mentioned that there is nothing they can do because the debt was sold. She said I can try and contact Corporate, XXXX who doesn't answer my emails. There has to be another way to resolve this as I can not contact a company where employees call me derogatory names.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
TODAYS DATE:XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT ABILITY RECOVERY SERVICE XXXX XXXX {$2200.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious ABILITY RECOVERY SERVICE OpenedXX/XX/XXXX {$2200.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 explanation
Consumer complaint received 2021-09-20 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: WA

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2021-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had an account with XXXX XXXXXXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since 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 explanation
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
I had an account with XXXX XXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 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: FL

Complaint narrative:
I had an account with XXXX XXXX XXXX in XXXX and is was paid and closed in XX/XX/XXXX but they still reporting since XXXX late payments what is not even true because the account is paid in full since 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 2021-09-20 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: Nelnet, Inc.
State: VA

Complaint narrative:
Great Lakes reached out to me directly via telephone Employee : XXXX XXXX XXXX to inform me that she CAN NOT in fact verify the debt I allegedly owe because the School in in question has since closed. That the school closed because of unethical business practices. Great lakes has NO proof that I attended this school, no signatures from me showing proof, and no way to verify this debt. 

I sent Great Lakes an Affidavit of Facts letter ( attached ) and there was no response to remedy this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Property address XXXX XXXX XXXX XXXX FL XXXX Last week I learned from PennyMac, raise my mortgage payment out of nowhere. There was no letters telling me about the increase. No phone calls whatsoever telling me about the increase.. no form of any type of knowledgement. I only learned about this when it was time to make my mortgage payment I went online, to make the payment when I noticed an increase of so many hundreds per month. Look like it was adding almost to a grand extra per month. 

I have a FHA loan which supposed to have set payments for the next 30 years. I couldn't understand how they could have been an increase extremely so high out of nowhere. Nevertheless never to be notified about the increase in a timely matter. There was no correspondence from PennyMac letting me know about this increase. Furthermore, PennyMac was contacted about this increase. They stated clearly that the property tax is on the house increase more than {$5000.00} for the year.. Which I found that nearly impossible. How can you tell me, that property taxes could increase by {$5000.00} per year.. that is exactly what a representative from PennyMac has stated. 

XXXX county tax collector office was contacted right away. Who clarify how much the property taxes went up. XXXX county tax collector office informed us, that the property taxes only went up {$370.00} more a year. Not over {$5000.00} more a year.. however, PennyMac, was contacted for them to recalculate and make the necessary corrections. Nevertheless, we also sent them a copy of the property tax bill what it should be. Nevertheless have they made the adjustment. Yet they still want to charge us an increase of almost a grand more a month.. they told us if we did not pay that extra more a grand per month, that we would be considered in default with the mortgage payments. So it clearly took us by surprise that we had to pay almost XXXX more to cover for the mortgage payments.. nevertheless, we was told we would have to pay that increase for the next whole year, per month. I do not understand how did they do their math. How do I go from a 30-year fix, and get in an increase of XXXX per month more. On top of the mortgage payments I make currently. There is no way we could afford a extra {$800.00} more per month. Then again there's no way a property taxes could go up {$5000.00} extra per year. Because property taxes have a cap. They basically double my property taxes. With an increase of more than 100 %..

Company response to consumer: Closed with explanation