vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
The, below, letter explain the situation. 

Good morning : My name is -- - and I am writing this letter to request the XXXX late designation for XX/XX/XXXX be removed from my credit report. Of course, I am prepared to supply justification for my request. First, let me say that the XXXX XXXX late is the only lateness I have with Fay Servicing because I have made every effort to meet my mortgage obligations. 

Now for the justification. In XX/XX/XXXX I took a position on XXXX XXXX, NY. In XX/XX/XXXX I signed a Land Contract Agreement with tenant to rent my home from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX they were to pay a certain balloon amount to purchase my home. ( See Exh. # 1, Land Contract ). 

Unfortunately, these tenants, both lawyers, have turned out to have nothing resembling integrity. Almost from the beginning I have had to hire legal counsel to compel the tenants to pay. ( See Exh. # 2, Judgment of Possession dated XX/XX/XXXX for {$12000.00} XXXX. The amount owed to me at that time included, among other months, XX/XX/XXXX. Also, as you can see from the judgment, the Tenants then had 90 days to pay the amounts owed. So, for quite a bit of time I was paying two mortgages as my rent on XXXX XXXX is approximately {$3000.00} per month. 

The Court granted our motion to escrow rent payments because I doubted they would pay otherwise. If that was the extent of it all I would have been happy, however, after paying the defaulted amount, the tenants immediately went into default again and have made zero payments for XXXX. ( See Exh. # 3, Answer in current lawsuit. Please take note of highlighted sections on pgs. 1 and 2 ). In addition, the tenants have paid nothing for XXXX and will pay nothing for XXXX if their custom continues. The closure of the courts because of XXXX has only exacerbated the problem, however, I have continued to meet ALL my financial obligations. 

Lastly, it is our desire to apply for a mortgage after the sale of our home in a few months. I have spoken with XXXX XXXX about my credit report and, of course, because the Fay Servicing delinquency is so recent it is preventing me from obtaining a desirable loan. Except for the tenants recalcitrant refusal to pay rent I would not have missed any payments with Fay Servicing. 

For all the above reasons please see fit to remove the XX/XX/XXXX XXXX delinquency from my credit reports. The last four numbers of my SS # are -- -. 

Thank you for your consideration. 


Enclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
Charles Schwab representative, XXXX in XXXX took my phone call at XXXX in the afternoon on XX/XX/21, This was an emergency call made because {$810.00} were abruptly taken from my account due to a large hack that happened within the bank! Not only did he keep me waiting for over 40 mins, he failed to connect me with a supervisor who could help resolve my situation immediately. And when he finally did, more questions were asked from me rather than offering a credit, proper investigation and a new debit card. 


Currently my account is negative due to their faulty and abusive consumer Malpractices. This is both abusive and against fair consumer practices. I am at a loss for words and a victim of this predatory bank. 

I have more than enough funds to cover my payments for the month and its unfair and abusive that no resolution is being provided to the consumer. 

XXXX XXXX, offered no solutions for me, and placed me in a complete panic asking me more personal details regarding my account, only to tell me she actually did not work for the bank itself and needed to transfer me. 

My account was hacked last week and a new card was issued and they told me my account was part of a wide hack within the bank itself. 

I am at a loss for words and in a panic as this bank has caused me nothing but distress, loss of funds and more panic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Hello I sent Mr Cooper a {$6000.00} cashier check and a money order for {$940.00} to cover XXXX monthly payment. I spoke with Mr Cooper and I was told to send {$5600.00}, in which I sent {$6900.00}. They claim it was never received at the beginning, which I had tracking on the {$6000.00} showing that it was received. They told me once it was received they will apply funds, but never did. Finally 1-2 weeks later I called Mr. Cooper and they stated they will be sending funds back, because its not enough to cover my mortgage arrears, because I owe {$7600.00} now. This was in the middle of XXXX. I told them I sent them the amount I was told to send to bring my loan current. All they can say is sorry. I received my cashier check back with letter was was dated XXXX and stating I owe the {$7600.00}. On XX/XX/XXXX I receive another letter stating I now owe {$9700.00}, which was only 5 days letter. This amount is unacceptable and inaccurate and they are overcharging me for fees. There has to be a extreme error on my accounts. On XX/XX/XXXX I spoke with someone at Mr Cooper and they are now staying I owe over {$11000.00}. This is ridiculous. I was told in the months of XXXX I was charged {$910.00} and additional {$130000.00} for corporate advances and on XX/XX/XXXX a additional {$4300.00} for corporate advances. Thats over {$6000.00} in the month of XXXX just 2 months. On my mortgage statement for XXXX, it shows clearing how much my reinstatement amount Is, which is {$7900.00} which is accurate with the months Im behind and legal fees from your office..Also I paid XXXX Mortgage, so Im only behind from XXXX XXXX. Mr Cooper needs to adjust my account for overcharging me whatever fees they are charging me. Back in XX/XX/2019. I sent Mr Cooper a {$65000.00} cashier check for a sheriff sale and foreclosure, which I also believe Ive been overcharged for those fees and they need to adjust any errors on my account from those fees. There are several errors on my account, in which they need to fix ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
currently I'm paying off a HELOC loan with SLS and my mother is trying to refinance and I was told that I needed to pay the past due in order to get a subordination in place so I paid the {$570.00} that was past due and I called to verify the that the funds would be distributed to the past due. Well this was in XXXX and they refuse to do this and my mother may lose the loan. I've called 10 times and have sent over 6 messages and this the funds are being applied to various things like additional payment to principal, unapplied funds identified, single payment, payment principal, payment reversal, mortgage payment but not to where I've asked it to be applied. Why? I call and they transfer me all over the place and keep me on old, playing games.

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 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX & Equifax dropped my credit score on XX/XX/2021 on XXXX XXXX website. Scored dropped/changed due to decrease in XXXX XXXX account. I have been paying all my creditors on time for three years thru XXXX XXXX XXXX. My bankruptcy public record account have been removed effective XX/XX/2021. What is my credit score so low. 
Also, the balance on my car loan with XXXX XXXX XXXX XXXX XXXX XXXX XXXX is currently XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from my credit 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 2021-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
I submitted a complaint CFPB ID : XXXX and I'm dissatisfied with the response from Flagstar. I am submitting this complaint to request for more explanation. According the response, my escrow/loan was placed on hold until XX/XX/XXXX. How come the property was paid on XX/XX/XXXX? almost a month after? How am I supposed to be held responsible for the late fee when I never once received one pay-off statement, let alone three that were attached. They were likely sent to the broker ( s ) I was working with at that time ; however, I did not go through with any of them. Again, as their customer, I feel that Flagstar does not have my best interest at heart.

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 2021-02-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servatus Corporation
State: CA

Complaint narrative:
THIS COMPANY CREDIT SOLUTIONS CORP WAS REMOVED ON XX/XX/2020 AND THEN RE-INSERTED A NEGATIVE ITEM WITHOUT NOTICE FAILURE TO NOTIFY WITH IN 5DAYS VIOLATION I WAS NEVER NOTIFIED BY THE CREDIT BUREAU OR THIS COMPANY I WANT THIS OFF MY REPORT THIS IS HURTING MY CHANCE TO GET A HOUSE AND CAUSING XXXX XXXX I WANT THIS REMOVED ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I was going to enter a debt consolidation program and they sent a letter to Bank of America by mistake saying I was including my account in the debt consolidation program when I wasn't including it in the program and then I decided not to do the debt consolidation program after I found out that they wouldn't be paying off my debt each month but rather negotiating with them and holding my money in an account which would cause late payments on my credit report. AT any rate, I've been paying my Bank of America credit card each month and unless I call Bank of America or tried to use it, I would never know my card was closed because no where on my statement does it say it is closed. Instead, it tells me what my available credit is and what my credit limit is. This is deceptive and I keep thinking that they have reopened my credit card each month when I receive my statement. I called Bank of America and they say it will show I have credit available to me until the card is paid in full. The statement should say what my available credit limit is but it should not say I have an available limit. It is just plain deceptive and gets my hopes up each month. I never missed a payment when they closed my account. They only closed because of a letter received in error, not on the basis of my payment history which I also believe is wrong. They had no reason to close my account if I was making my payments on time and not missing any payments. It took me 20 years for them to finally issue me a credit card and then to have them close it due to an error seems unjust. I want them to put somewhere on my statement that my card is closed and that I do not have any available credit.

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 2021-02-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I have no idea how the misinformation come to take place. I pulled my credit report in XXXX, 2020 and there were inquires and open accounts on my credit report that are not mine and ARE UNAUTHORIZED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I do not owe them they are calling for one of my adult children. They call frequently and If I block number they call from different number

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I received a voice phone message today stating that my Amazon card was compromised and there was a charge for {$340.00} that they put a hold on. I was to press 1 to talk with the Amazon Fraud Dept. I called the number on the back of the card and was advised it was a phishing expedition. the call came from XXXX and the male on the phone said his employee ID was XXXX ( hard to hear ). Thanks for checking into this-tons of these calls all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Summit Horizon Financial Services
State: CA

Complaint narrative:
I received a phone call on XX/XX/2021 at XXXX am from Summit Horizon Financial Service regarding a Student Loan Forgiveness program. Upon talking to them and trying to tell them that I was interested and I wanted more information before I agreed to anything they forced me to give them my credit card number and sign a contract which I did not agree upon. They told me they will charge my card {$150.00} for 6 months and did not explain to me what will happen after. 

On XXXX, XXXX, 2021, I found out they charged my credit card and created a new XXXX account. I did not agree to them creating a new XXXX account. Upon finding out this, I attempted to contact Summit Horizon Financial company to cancel the contract but only got the answering machine then I contacted XXXX directly and told them the situation. A consumer representative from XXXX promptly closed the account that Summit Horizon Financial created then told me to report this to ftc and consumerfinance.gov. I will be a dispute the charge on my credit card. 

The website information of Summit Horizon Financial Services is http : XXXX The phone number they had contacted me through is XXXX XXXX XXXX XXXX although on the website it is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: STERLING JEWELERS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I sent in a dispute of late payments on my credit reports to Kay jewelers. Since then, I have gotten 3 letters from Sterling Jewelers with different ticket numbers saying they need my full security Social Security number, my date of birth, and my previous address if I have recently moved. Although all that information was on my original letter, I did respond with the information they asked for on XX/XX/XXXX. I am still getting letters from them most recently on XX/XX/XXXX. I am quite confused about these 3 responses asking for the same information which has been given to them and wonder if they can even find my account. In addition, they have also sent me records of another persons credit history with them accidentally sent to me. This is a violation of all aspects I can imagine. 
My original dispute was of late payments not correct. My account was paid off and I did not agree with late payments on certain dates. At this point I have not been furnihsed any information for the account I am disputing and it has been well over 90 days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
on XX/XX/2021, i asked chime bank to cancel two transactions because i never got the products, also i found out the companies were scams. chime bank gave me the money back, then about two days ago i received an e-mail stating that i received the products and then they took money out of my XXXX money, I never received the products, I then contacted XXXX, to check on the tracking no. They told me that this was the wrong tracking no. and no products were ever delivered to me. They also said to contact Chime Bank and have them call them XXXX XXXX XXXX and they would show them that it was the wrong tracking no. I tried to call chime bank and all i got was a busy signal and problems with their automotive service. I tried to e-mail them they wouldn't answer, INSTEAD THEY TOOK {$150.00} FROM ME WHICH THEY HAD NO RIGHT TO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
It appears rewards points have disappeared without justification. The website 's transparency into points earned on specific transactions is lacking and impossible to audit and information has changed. Points were reported on a transaction, now show 0, and disappeared. I have tried to get more information from the customer service representatives but they stated points are 'pending ' and they don't have visibility either. The website has been increasingly less transparent to points accumulation and it's impossible to verify, attest, or audit the reporter balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XXXX XXXX XXXX was outsourced by SchoolsFirst FCU to pursue DISPUTED DEBTS over 8 years old. The DISPUTED DEBTS are TIME BARRED XXXX DEBTS which can no longer be legally pursued or reported. On XX/XX/21. XXXX XXXX ran a HARD INQUIRY. After speaking with the Collection XXXX of SchoolsFirst, it was mentioned that THE HARD INQUIRY SHOULD HAVE NEVER HAPPENED. I again, demanded that all tradelines be removed under FDCPA and FCRA laws and the response from XXXX, the SchoolsFirst was " these are due to fall off very soon. ", as an attempt to reason with the complaint brought forth. 

XXXX XXXX XXXX is taking advantage of their credit reporting and viewing abilities, in hopes of extracting payments for old XXXX debts, by XXXX consumer 's credit reports, and claiming that the inquiries are for the purposes of location information, even though both creditor and collection agency have accurate information. This is a common practice for smaller debt buyers and/or collection agencies looking to extract funds from consumers who don't understand their consumer rights at the federal and state level. 

They will continue to run your credit report in hopes of driving down your score, 2, 3, 5, even 8 years after the disputed " last date of payment ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 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: NC

Complaint narrative:
I file a police report about a fraudulent account and Equifax and XXXX keep reporting the item belongs to me and it doesnt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
SchoolsFirst uses their unique position as a branched bank to execute XX/XX/XXXX collection tactics, while skirting FDCPA and FCRA laws. Aprox. 7 months ago, my spouse visted the XXXX CA branch to apply for an auto loan for our daughter. This was an individual application with no co borrower. 

For reasons unknown, the agent told my spouse that I owed the bank money. My spouse was confused because she did not solicit any information regarding any accounts, balances, disputes or alleged debts not associated with her legal obligation of repayment. 

My name was not given, and I was referred to as " her husband. '' The agent had no idea of our legal marital status, and assumed that we were still married. 

After speaking at length with XX/XX/XXXX, one of which being XXXX, the branch XXXX from XXXX CA ( who basically stated that she questioned the validity of disputed debt disclosure in her branch ), it is absolutely evident that the Credit Union is practicing questionable tactics to recover disputed debts and skirting consumer protection and collection laws by divulging information to other bank members in hopes of embarrassing them or generating payment from disputed debts while calling themselves " creditors '' and acting in the capacity of a debt collector.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation