vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i filed a dispute with XXXX  and experian 75 days ago, i feel that is plenty of time to respond to my request. please help me in the matter.

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 2020-08-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
Per complaint XXXX first agreed once again to remove negative information off credit report. And again they have failed to do what they have promised. This should be investigated. They have impacted my life negatively for too long and cost me WAY to much money due to their incompetence! 

This way their last promise which again they failed to follow through. 

We received the complaint filed with the CFPB by XXXX XXXX. In the complaint Ms. XXXX indicates that she made an agreement with SchoolsFirst FCUs attorney to remove the charge off from her credit report once her insurance company paid her vehicle loan in full. SchoolsFirst is now refusing to remove the charge of from her credit. Upon review of Ms. XXXX account we can confirm that Ms. XXXX contacted us on XX/XX/2016 to let us know that her vehicle was totaled and in the possession of XXXX XXXX. Our records indicate that Ms. XXXX vehicle loan charged off on XX/XX/2016 for being 180 days past due in payments. On XX/XX/2016, we received the full pay off from XXXX XXXX but did not report it as paid in full closed account per the agreement reached between Ms. XXXX and our attorney. Instead, we incorrectly reported it as Paid Charge off on her and her cosigners credit. We apologize for our error. We will update her credit report as agreed by our attorney paid in full closed account and apologize for any inconvenience we may have caused by our error in reporting. Thank you, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
Someone in Experian and XXXX credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, gave me two letters of  release stating the debt wasn't mine Experian and XXXX keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through Experian. 


My correct address is XXXX XXXX XXXX, XXXX, CA XXXX My name is XXXX XXXX XXXX My phone number is 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 explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CONTOUR MORTGAGE CORPORATION
State: NY

Complaint narrative:
Upon finding a condominium for purchase I went with Contour Mortgage as my initial lender. I signed the contract at the end of XX/XX/XXXX. There were many issues with this lender such as : 1- multiple title issues never disclosed 2- loan estimate submitted to me on XX/XX/XXXX ( after multiple emails on my part ) 3- I was told that the loan estimate was not accurate " just numbers '' 4- steered to an attorney who is an associate of the lender and also failed to disclose 5-inspection and appraisal fees were charged to me without disclosing pertinent information about the property or the loan itself 6-repeatedly contacted afterward by the lender after I told him I would no longer be using his services

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/2020, I disputed a negative item on my credit report from Midland Credit Management and this agency has failed to provide me with accurate validation. On XX/XX/2020, I filed an second dispute since this company failed to provide me accurate documentation on the account that they say I owe them. On XX/XX/2020, I spoke with a representative from this agency who informed me that they do not have to give me any documentation. This company is fraudulent reporting negative information to credit bureaus and do not have proper documentation while reporting fraudulent information. By this company reporting fraudulent information this is hurting my credit score and it is hurting my repetition with creditors. All three credit bureaus are reporting in accurate information on my credit report and this company re-age the account every month with credit bureaus. ( XXXX XXXX, XXXX   and XXXX ) I have disputed with the credit bureau but they are not properly investigating my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
My monthly interest goes up. Even though I pay in less days with a smaller balance. For instance. on XX/XX/XXXX I paid {$220.00}. With a balance due of {$4800.00}. Intrest applied was {$63.00}. On XX/XX/XXXX I paid {$300.00} with a balance due of {$3500.00}. Intrest applied was {$74.00}. They said no penalties for early payments. Do why am I paying more interest? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
The mortgage company name is Specialized Loan Servicing. 

I have been making payments on their website and I have not been credited the full amount that has been paid to SLS. 

What I have paid to date : A credit from XXXX  XXXX XXXX when they sold the loan to SLS : {$640.00} Payments from me ( these payment dates are from my bank statement, SLS 's dates may vary by a day or two ) : XX/XX/2020 : {$53.00} XX/XX/2020 : {$200.00} XX/XX/2020 : {$170.00} XX/XX/2020 : {$54.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$54.00} XX/XX/2020 : {$110.00} Total paid to date to SLS : {$1400.00} The amount owed to date : A fee transferred from XXXX XXXX XXXX : {$53.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} XX/XX/2020 : {$110.00} The total amount that should have been paid to date : {$770.00} Their website shows my next payment is due on XX/XX/2020 and the amount is {$110.00}. They applied some of the money to the principal balance on the loan in the amount of {$150.00}. I am not being credited for {$500.00} that has already been paid to them. I have spoken with 5 people including 1 supervisor all of which have promised to call me back and they never do. The issue has been open for more than a week and the supervisor told me he would call me back last week and he never did.

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 2020-08-10 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: LoanCare, LLC
State: ID

Complaint narrative:
On XX/XX/XXXX I applied for mortgage deferment / forbearance for two rental properties I own. Loancare / XXXX services both mortgages. I received auto-reply messages saying my forbearance request was received and I should turn off the AUTOPAY direct debits for the loans. I did so. On XX/XX/XXXX, I received LATE PAYMENT notices for both loans. I responded to Loancare with detailed emails and phone calls ( that are not answered ). I received an auto-reply from Loss Mitigation with a Ticket Number and instructions on how to apply for forbearance ( which I had already done, twice, with two confirmations of their acceptance. ) See below : # # # XX/XX/2020 ( Reference number : XXXX Please use this ticket number in any correspondence with us. ) Subject : Loss Mitigation Dear Valued Customer, Thank you for contacting us. 
A Message About Coronavirus ( COVID-19 ) and How to Apply for a Forbearance Thank you for contacting us about your mortgage. If you are experiencing financial hardship due to the coronavirus ( COVID-19 ) pandemic, continue reading for information about your relief options. 
On XX/XX/2020, the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) was signed into law. The CARES Act allows mortgage borrowers to request a forbearance with an initial term of up to 180 days ( 6 months ). When the initial term expires, mortgage borrowers can request an additional term of up to 180 days. 
# # # More phone calls that never get answered, more emails that have an auto-reply. 

I then SELL the homes. And the loans are paid off. AFTER the sale is closed I learn that LoanCare has marked my loans as 60 days late making it impossible for me to modify any other loans. My web portal ( to login to Loancare ) is now closed. And they still don't answer the phone. 

Please help. 

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 2020-08-10 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: Gitsit Solutions, LLC.
State: WA

Complaint narrative:
Kondaur Capital has not been reporting my payment history with the XXXX. I have reached out to Kondaur on numerous occasions and even followed their advice to create a dispute with XXXX. I started the dispute XX/XX/20 and had to follow up with Kondaur on XX/XX/20 about the payment history being sent to XXXX. Today XX/XX/20 Kondaur removed the loan from XXXX and never reported the missing payments from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX my wife and I closed on a refinance mortgage on my primary residence. After returning home we noticed that the paperwork we signed had two different set of terms, two different amounts borrowed and two different interest rates. 
I contacted the closing agent and pointed out the discrepancies. The closing agent stated I would have to contact the original lender XXXX XXXX XXXX XXXX. On XX/XX/XXXX I sent a letter along with the 3 day right to cancel form canceling the XX/XX/XXXX refinance transaction on my primary residence. The Original lender XXXX XXXX XXXX did not respond to my rescission letter or 3 day right to cancel form canceling the transaction or numerous phone calls until XX/XX/XXXX. The Original Lender XXXX XXXX XXXX XXXX wanted to refinance my refinanced mortgage instead of rescinding the refinance transaction, starting all over, that would have cut off my rescission rights, to recoup the monies I paid, to protect my credit rating, and interest paid. I stopped paying the canceled refinance loan in XX/XX/XXXX. On XX/XX/XXXX U.S. Bank as Trustee filed a wrongful foreclosure suit against my refinanced primary residence on the canceled refinance transaction. On XX/XX/XXXX a final hearing for foreclosure was held. Even though the court found I closed on the refinance on XX/XX/XXXX, the paperwork we signed was not to what we agreed to and we sent XXXX XXXX XXXX XXXX a right to cancel letter and 3 day right to cancel notice on XX/XX/XXXX within the 3 days, an absolute unconditional right to cancel the transaction, The court misplaced the law and wrongfully interpreted the right of rescission, that a suit must be filed within 3 years after the date of the transaction. The interpretation was wrong and 10 years later clarified by the U.S. Supreme Court in XXXX V. XXXX XXXX XXXX   XXXX. Since the Supreme Court unanimous decision in the XXXX RESCISSION CASE, I have contacted XXXX XXXX XXXX.  as Trustee numerous times and all correspondence has gone unanswered. They have no active attorney of record from the prior foreclosure action and the courts are of no help. XXXX XXXX wrongful foreclosure is at best an unsecured debt. The home value was appraised for over XXXX of equity at the time of the final judgment of foreclosure. The bank sold the home for XXXX cents on the dollar and doubled there money from the refinance loan that profited them from the wrongful foreclosure and sale. I had lived there for 20 years and my life savings from hard work was stolen from me. I assistance in recovering the monies that were wrongfully stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX sold our account to Midland Credit Management. Midland credit management has sent out a server with legal documentation. The woman serving the documentation refused to wear a mask, threatened to disclose my personal information to our neighbors as she screamed and waved the documents in my front yard screaming Im being sued and my entire name. The woman perverted to curse at me as I spoke threw our speaker camera system, threatened me that she was going to continue to display erratic behavior and let everyone know my personal information. I have called Midland Credit Management multiple times regarding this matter so they are aware. The woman stated my information, account owing, everything has been recorded and I have the live camera footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: CA

Complaint narrative:
Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX/XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX   XXXX, gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times  in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX, XXXX, CA XXXX My name is XXXX XXXX XXXX My phone number is 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 explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I received a call from XXXX five days ago. " American Express XXXX XXXX '' has continued to call from this number. Interestingly, this number also comes up as XXXX XXXX. They have failed to provide a letter discussing why they are calling as required by law. This has been an ongoing issue with this company. This is also a violation of federal law, which requires written notice within five days that includes creditor, amount, rights, etc. The letter received does not disclose that " this is an attempt to collect a debt '' and not provide the required notice within five days. This company should be prevented from conducting any additional calls as this is now being harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
This bank merged with my bank ( XXXX ) at the beginning of XXXX. 

I was unable to connect to any of my online accounts for almost the entire month of XXXX because they had locked my online accounts, and there was perpetual hold music on their " help line ''. 

I finally got someone at the local office ( XXXX ), and she was able to resolve things, then my automatic bill payment for my rent went to the WRONG address for the month of XXXX. The previous bank had been successfully doing an EFT to my landlady for several years, I have no idea why they stopped the EFT and then screwed up the address for my rent check, but I corrected it in the online account, and thought that everything would be fine. 

I was wrong. It was not fine, they sent my rent payment to the wrong address *AGAIN* this month, my landlady is NOT AMUSED, neither am I. 

I attempted to contact XXXX XXXX again, but was unable to do so, however XXXX XXXX was able to see that my rent should have been sent to the correct address, however their 'processor ' has the wrong address in their system. 

This kind of incompetence is simply unacceptable.e

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CUSTOMERS BANCORP, INC
State: CA

Complaint narrative:
Bank gives the impression that there are no service fees if you maintain a minimum {$300.00} balance. This is the preferred XXXX XXXX XXXX  XXXXXXXX University for student refunds of excess educational fees paid. Upon started the account ( which I understood was necessary ) I deposited {$300.00} of my personal funds to eliminate any account fees. Later my school deposited an additional {$450.00} refund. During the brief four-month period I had the account they charged me their {$3.00} per month fee for apparently the two months I didn't have actual deposits ( NEW ). Their service appears misleading in it is difficult to understand " maintain {$300.00} '' versus a " qualified {$300.00} '' which sounds like a balance.

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 2020-08-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a Venus card through Comenity bank. I just increased my credit Line from XXXX to {$1500.00} last year. My account was closed due to inactivity XX/XX/2020. Which this will impact my credit Due to Covid 19 I havent been using any of my accounts because my income has been reduced, theres a pandemic no one has been buying things that arent a necessity. Closing a good standing account during this time is Injust and unfair. They offered me to apply again! I dont this is fair when millions of people are out of work and having financial hardships. I just want my account fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: LEXISNEXIS
State: TN

Complaint narrative:
Lexis Nexis sent me a letter saying I need to log onto their website. The website does not work and it's consistent with the conspiracy of fraudulent reporting a bankruptcy that does not exist. I have reported this several times and they are still lying about the bankruptcy that they can not verify with the XXXX XXXX XXXX XXXX XXXX. If you guys can not provide proper oversight I will be force to sue the three bureaus and Lexis Nexis in court. This is not a tolerable action in which a citizen should be subjected to. 

The three credit bureaus are conspiring with LexisNexis due to the fact they are a paid subscriber and we are now understanding that there is a monetary gain for consumers to have bad credit. Their sponsors make more money and this process will be presented to a federal court.

Company response to consumer: Closed with explanation