vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I sent the following letter to Specialized Loan Servicing via tracked XXXX mail to the address they had designated for notice of error. It was delivered on XX/XX/XXXX. The tracking number is via XXXX is XXXX. It is XX/XX/XXXX and more than 5 business days have elapsed since the notice of error was received by the servicer. Their response was due XX/XX/XXXX and I have not received any communication whatsoever, not even acknowledging receipt of the envelope. 

I sent them the following letter concerning their failure to pay my property taxes as required by the closing documents. The property taxes were due on XX/XX/XXXX and late fees and interest have accrued due to their failure. I am also now receiving letters from the county tax office threatening foreclosure and I need the servicer to take *immediate* action to pay the tax bill as they are contractually obligated to do. 

The letter follows : To : Specialized Loan Servicing, XXXX XXXX XXXX XXXX XXXX, Colorado XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX : Error Resolution Notice under 12 C.F.R. 1024.35 Account/Loan Number : XXXX I am writing to request correction of the error described below in regard to the mortgage on my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. The parcel ID for tax purposes is XXXX XXXX. The tax account number with the XXXXXXXX XXXX XXXXXXXX and XXXX XXXX is XXXX. 


Escrow Errors : I have been notified by XXXX XXXX and the XXXX XXXX XXXX that your company failed to pay the following expenses from my escrow account : o Property taxes ( total due {$5500.00} ) : XXXX XXXX, {$330.00} ( due XX/XX/XXXX ) XXXX XXXX, {$1500.00} ( due XX/XX/XXXX ) XXXX XXXX, {$89.00} ( due XX/XX/XXXX ) XXXX XXXX, {$3600.00} ( due XX/XX/XXXX ) o Interest charges due to SLS late payment of taxes due : Interest has accrued due to SLS not timely paying the amount owed.

I expect SLS will pay the interest accrued due to late disbursement from my escrow account. I expect that SLS will not debit my escrow account for the following amount due. 
Interest owed to the XXXX of XXXX due to the late payment is {$150.00} as of XX/XX/XXXX. 
o Proof of these charges and their non-payment is attached as a subsequent page. 
Please disburse {$5500.00} from my escrow account to the XXXX of XXXX immediately. 
Please pay all interest due to the city ( {$150.00} as of XX/XX/XXXX ) due to SLS error. Do not charge my escrow account for the interest accrued due to SLS non-payment. 

If you need to contact me, I can be reached by email at XXXX or by phone at XXXX. As a last resort, I receive mail at the address referenced above. 

Sincerely, _________________________________________ XXXX 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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I hold a " Customized Cash Rewards '' Visa credit card issued by Bank of America. B of A has removed benefits from the card without notification. Cardholders such as myself were informed we have these benefits, many of which are insurance or some form of insurance ( e.g. Auto Rental Collision Damage Waiver ), when in fact we are not insured. In addition, the company has made it extremely difficult to learn what benefits the card actually has. This contributes to the problem and could be intentional. The difference in benefits on my card is documented in two guides I have obtained from B of A in XXXX and XXXX. These two documents specify the same effective date ( XX/XX/XXXX ) but different and diminished benefits. 

On or before XX/XX/XXXX I built a spreadsheet of the benefits offered by my credit cards so I could keep track of which card was best for each purchase. Some offer better benefits, others better rewards, etc. My then-named " Cash Rewards '' card from Bank of America was the only one that didn't have the benefits guide available on it's website. I had to call in to request it, which I did. I was mailed a " Your Cardholder Benefits Guide '' as seen in the attachment, page 1. It detailed five card benefits effective XX/XX/XXXX : Purchase Security, Warranty Manager Service, Auto Rental Collision Damage Waiver, Travel and Emergency Assistance Services, Lost Luggage Reimbursement, and Roadside Dispatch Program. 

In XX/XX/XXXX, I thought one of those benefits, Purchase Security, would apply to a purchase I had made. I had a very difficult, lengthy and poor customer service experience ( not the issue here ) trying to find out if it would help me. I was surprised to find out that my card did not have the Purchase Security benefit though I had never been notified as such. I then tried to get a copy of my current benefits guide. It still was not available on the card website and I had yet another difficult, lengthy and poor customer service experience obtaining one. After hours of effort, one was mailed to me and it is attached starting with the letter at page 2. To my surprise, my card had been stripped of all but two of the five original benefits effective the same date : XX/XX/XXXX! I received no notification but given the effective dates, there's clearly a problem here. I brought the issue up to customer service and they said there was nothing they could do.

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 2023-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I received E mail from XXXX XXXX XXXX , asking me to pay XXXX forcomputer protection plan.i did not want any plan.i called the tele.no.provided on the email.XXXX answered the call agreed to cancel my plan but in order to that he needs to access my computer .they installed any desk and took control over my computer.In order to refund my money they needed my bank access.so i logged into my chase acct.they took control of my computer.told me they habe XXXX XXXX XXXX acct.and transferring money into my bank.they kept engaged in conversation and very pleasant.Some time later they said they are having problem from their end to transfer money.Asked me to do something from my side.told me to put XXXXdollars to transfer and see if it works.so i did put XXXX dollars.but they said it came as XXXXstarted yelling at me that i committed fraud and trying to steal their money.Asked me to go to bank right away to wire transfer them right away.. i went to bank and transferred XXXX .they asked to take XXXX for all the confusion.i never had their money in my acct and they were in control of my computer.i lost XXXX .when i asked bank teller she told me i had XXXX transfer in the acct.Not checking where the transfer came from.They transferred from my savings to checking. i believed them and transferred my money to their XXXX XXXX XXXX  acct.My bank put the stop order on wire transfer.one week passed but XXXX XXXX XXXX is not responding to reverse the transfer .please help this XXXX year old fraud victim.

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 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I just want to make sure Wells Fargo did not use my name and likeness to open unauthorized accounts under my name or change my mortgage without my knowing.

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 2023-02-03 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:
FCRA Violation: address and name not mine
XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX

FCRA Violation: collection not mine
XXXX XXXX XXXX
XXXX
XXXX XXXX
XXXX

FCRA  Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
At the beginning of the week, XX/XX/2023, we put in an application for a joint personal loan with OneMain Financial. We provided all needed information for the application and set an appointment for XX/XX/2023 to sign for the joint personal loan we were approved for. Upon arrival for the appointment, we were told we were not able to get the personal loan due to one of the credit scores being frozen and could not be processed. The employees and the company had ample time to notify us that we needed to have all credit scores unfrozen before coming in to sign. The employee did attempt to resolve the issue after unfreezing the one credit score that was needed, which resulted in the running of the credit score three separate times for one of the applicants on the joint application. Now, we will be working with the three credit bureaus to get the hard inquiries removed due to this companys negligence and lack of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I do not remember opening this credit card.

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 2023-02-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo Bank. XXXX, CA .... Would charge unexpected fee for payday loans. In XXXX location would deny cash withdrawal from account. However, .re. Locating to an alternate branch in XXXX for example the withdrawal/loan would auto approve. Other examples include certain areas. Not approving request for auto loan or line of credit. And again able to approve in more affluent areas where employees are more willing and happy to assist. Funds were fraudulently received fr my acct .Although after reporting incident and filing for compen station and resolution it never occurred.These and other actions occured over 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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I received a copy of my credit report and found some information to be incorrect. 

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report. 

Please apply these laws in regard to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-02-03 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: CO

Complaint narrative:
I have been a victim of identity theft. Back in XXXX of XXXX I became aware that I had my identity and all information associated with it. I began trying to take control back of my Experian online account in early XXXX. Since then I have made multiple phone calls to Experian to get their assistance in retrieving my identity. Every call had been outsourced either to a person that speaks incoherent XXXX or just enough to get by. On XX/XX/XXXX I was told on one of these many phone calls that I had to send a copy of my DL, SSN and a utility bill to their XXXX, TX location to prove I am who I say I am. We have written documentation from the USPS  showing an employee of Experian signed for the priority certified letter on XX/XX/XXXX. Since this was received we have had no call from the company. I have made 3 more phone calls since then, all concluding with an outsourced employee telling me nothing was received and we would have to create a new ticket and start all over. I don't even know where to go for assistance now as I keep being met with a slammed door in my preverbial face by this company. The employee today wouldn't even talk about the fact we are showing everything was received. I was finally told there was no way I can speak with someone in the US. They have no US number to give me nor can they transfer me to a US based employee. How am I supposed to take control of my identity if the company is having people that aren't even citizens of this country dealing with my sensitive information. I'm completely at a loss and I'm hoping by filing this complaint it will force this company into reevaluating how they do their business and how they treat their clients.

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 2023-02-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: ARVEST BANK GROUP, INC.
State: DE

Complaint narrative:
I received a Marketing solicitation from Arvest Bank. I do not have any relationship with them. When I emailed them to ask me to remove my address from receiving marketing offers they responded to a link where I can do that. Any other bank would have taken care of the request instead of making it difficult to do. 

When I went to the link it makes you put your account number and social secure which are mandatory fields. So clearly it was for existing Customers. When I replied back their replay was another link for the Do NOT Call List. Which only asks for phone number which makes sense because it IT a DO NOT CALL LIST opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
I did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
The mortgage was purchased by Carrington Mortgage on XX/XX/XXXX ( transferred to Carrington Mortgage on XX/XX/XXXX ) from XXXX XXXX XXXX. We paid XXXX XXXX XXXX  the XXXX payment of {$1800.00} on XX/XX/XXXX with it showing as accepted by a transactions document ( sent from XXXX XXXX XXXX ) on XX/XX/XXXX. Carrington mortgage, who we did not send a payment to until XXXX, is stating they did not receive XXXX 's payment due to a return for non sufficient funds, which is false, because we did not submit a payment to Carrington Mortgage until XXXX of XXXX. We have contacted XXXX XXXX XXXX  and they say everything is good on their end, they received XXXX 's payment. Carrington does not see it at way and we have sent the documents to Carrington Mortgage from Amerifirst showing that the payment was accepted. We did not receive notification from Carrington on this matter, I caught it when I went to pay XXXX 's payment to Carrington that we were overdue for XXXX 's payment. Being it is a transfer of a mortgage, we had 60 days of no credit reporting/late fees according Carrington. We submitted documentation via email of history of transactions from XXXX to Carrington on XX/XX/XXXX via email with bank statements showing the payment as valid. They stated it would take XXXX business days to credit our account if the investigation was valid. We paid 2 payments on XX/XX/XXXX in the amounts of {$1800.00} for each payment to cover XXXX ( which really was not late but was in investigation still according to Carrington, who said over the phone they would credit the Payment of XXXX after investigation ) and XXXX payments. XXXX received a credit, via over the phone we were told, and then we paid XXXX 's payment on XX/XX/XXXX in the amount of {$1800.00}. In XXXX, we had a hit on our credit for XXXX being past due by over 30 days, because the credit did not happen according to " payment history '' on Carrington 's website. They then applied XXXX 's payment to XXXX 's payment. Every time we call, they seem to be lost at what has happened and do not see conversations logged in their system. We paid, what we consider XXXX 's payment on XX/XX/XXXX in the amount of {$1900.00} ( payment increased due to escrow increase ), which they will I assume apply to XXXX 's payment, which will also hit our credit report due to be " 30 days late '' according to Carrington. So now, we will have two reports on our credit report showing " 30 days late '' due to their inability to apply payments correctly, along with communicate to XXXX  on the matter, even though I have given them proper documentation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( XXXX, transunion, XXXX ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATIONXXXX ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.

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 2023-02-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( XXXX, XXXX, Equifax ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATION- ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I do not remember opening this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo home loan charged incorrect fees

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