vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
My mortgage is currently serviced by Select Portfolio Servicing ( SPS ). It is a loan backed by XXXX XXXX and is currently delinquent. On many occasions, I have sought loss mitigation efforts with SPS and contacted their loss mitigation department regarding the same. SPS has refused to process my loan modification and issue clear underwriting determinations. Per HUD regulation 24 CFR 203.604, contact with the mortgagor, provides that " the mortgagee must have a face to face meeting with the mortgagor, or make a reasonable effort to arrange such a meeting, before three full monthly installments due on the mortgage are unpaid. '' Since the loan is insured by the XXXX XXXX, this regulation applies, as well as the liability reporting valid information to HUD. It is clear that violations of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency. 

SPS has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5. Per the IN statute, clear notification must be sent to the home owner, giving the option for standard foreclosure mediation. SPS has set a foreclosure sale date for XXXX, during the period where mediation and loss mitigation should be occurring. 


SPS is in clear violation of False Claims Act, RESPA law and IN Code 32-10.5.  XXXX has imposed a foreclosure sale date on XXXX, so I am seeking your assistance on this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On two separate occasions their were two hard inquiries placed on my credit. One in XX/XX/XXXX on the XX/XX/XXXX by syncb/walmrt and the other one on XX/XX/XXXX by XXXX XXXX both in 2019. It does not give me the amount it just shows as a hard inquiry.

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 2019-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear sir or madam, This is regarding my PayPal account created in my name : Registered email address : XXXX My account was permanently limited, stating that my account is in violation of PayPal 's  own Terms of Service. I tried to explain it to them, but they will not listen and will hold my money for 180 day. 

At this time I have over {$600.00} in the accounts and I want my money NOW, not in 180 days. This is my money and I should get it immediately. To me {$600.00} is a lot of money and quite a hardship that they are keeping it. 

I already filed a complaint with the XXXX  and Paypal took an month to respond to me. And their response was not satisfactory. All I received is a vague explanation about why they suspended my account, but they didn't address the main issue. I want my money NOW not in 6 months - This is my money and I should get it immediately. 

Please help me. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
In XXXX of XXXX I refinanced my home to pull out equity to pay off debt. Specifically I had a Hero account for solar electric installation. The Hero account applies the financing of the solar through my taxes. My mortgage has an impound account to pay my taxes and insurance. The refinance was with Loan Depot account number XXXX. Loan Depot has continued to charge my account for the Hero fees ( solar finance ) even though they have received notice of the new bill and they estimated the new tax payments during the escrow phase of the refinance. I have attempted since XX/XX/XXXX to get my impound account charge dropped to the correct amount but have had no success. I have continued to pay for my solar for 8 months even though it was paid off through escrow during the refinance. Loan Depot continually tells me it is under review and it will adjust in the coming statement. I am now being told it will not happen till XX/XX/XXXX. I have no faith that they will actually do this. How can this happen when there is so much review and planning during escrow. 
They also say once the adjustment is made they will return my over payment but without interest. My previous mortgage paid interest on my impound account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a home equity line of credit w/Bank of America. The process began in approximately late XXXX-or early XXXX.I dealt with XXXX   XXXX, Fin.lending officer, Assistant Vice President. He himself guided me through the process. At approximately mid-XXXX he informed me that I'd secured the loan, but there were still a few loose ends I had to address. Every item B/A asked for, I complied, including me filing 3 different notarized papers in the court of records.Next, he informed me that B/A can't verify my pension in that is it for life or temporary. The bank manager talked w/ my pension people. I served 25 years at XXXX. I retired XXXX. XXXX called to informed me that B/A denied the loan because they couldn't determine if my pension was for life or not.B/A sabotaged my loan which reflects a XXXX practice. They promote false advertising in that they're here to help.So no retiree from XXXX or any other pension has gotten a loan using their pension as income.And why wasn't this brought up at the beginning instead at the very end? B/A kept pulling rabbits out of the hat. Remember, XXXX told me to my face that I'd secured the loan. So, obviously I and my family are disappointed, to say the least.

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 2019-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Debt Recovery Solutions of Ohio, Inc.
State: OH

Complaint narrative:
On Friday, XX/XX/XXXX, I got a notification on my XXXX app that I had a new derogatory item, and that I had lost 36 points from my credit score. I called the agency that had made the report, Debt Recovery Services, and was told that the debt belonged to my husband for a medical bill of XX/XX/18 for {$100.00} from XXXX XXXX. I asked them to fax all supporting documentation to my personal fax, including both mine and my husband 's signatures. I asked the same of the original creditor. I have yet to receive the information after making the request again this morning. 

I would like this off my report. I was never contacted about the debt myself, so was not given an opportunity to avoid damage to my credit for something of which I had no knowledge.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2019 Transunion Credit bureau recorded a hard inquiry on my credit. Neither of the two other credit recording agencies did this. It was through the company XXXX XXXX. I contacted XXXX XXXX and they assured me that they did not do a hard inquiry. I attempted to resolve the situation through XXXX XXXX & then by filing the fraud paperwork through the FTC. Transunion responded saying the Hard Inquiry was not illegitimate. I did NOT give any company permission to do a hard inquiry on my credit. I did call XXXX XXXX   about new service a potential property purchase, but only asked questions and never opened an account. A month later my wife had the same experience with Transunion when she applied for a XXXX XXXX  credit card. I was there and she was very specific not to do a hard inquiry. The associate assured her there was not, & a few days later a hard inquiry appeared on her transunion credit report also, but none of the other credit reporting agencies reports.

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 2019-12-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I have contacted the collection agency AD Astra directly, as well as, XXXX, XXXX, and XXXX since XX/XX/ 2019 disputing the error that is being reported in the amount of {$3200.00} Account Number XXXX ... and the amount of {$310.00} for Account Number # XXXX ... This is heavily affecting my quality of life. Neither the collection agency or the credit bureaus has provided me with a contract or other legal proof supporting their claim. Both of them just send form letters that avoid the request to show proof. I need their ridiculous paper shuffle to stop. By law, I do know that they must provide the information as I requested or stop collection effects and delete the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Conserve- DEBT NOT MINE- IDENTITY THEFT. I have made multiple attempts to fix this. I never utilized any type of credit with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PENTAGON FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Pentagon Federal Credit Union ( PenFed ) is attempting to collect a debt that was previously included in a Bankruptcy, paid according to the plan and discharged. They filed a lien my on my property and never released the lien which is preventing me from refinancing my home. PenFed told me that I owe them money and that the loan was a 'charge-off. ' They will not release the loan until I pay them. 

The bankruptcy was case XXXX discharged on XX/XX/XXXX. In XXXX of XXXX I took a loan from PenFed in the amount of {$60000.00} as a home line of equity. The court order the strip of the second lien and the claim allowed ( per the included Trustees final report included in this letter ) was {$55000.00}. It was paid and discharged. I have applied for a home refinance of my current mortgage. The title company told me that PenFed did not file a Certificate of Completion with the county to get this loan/lean released off of my property so that I can refinance. I contacted PenFed on XX/XX/XXXX and spoke to a XXXX, a XXXX XXXX, and was told that the loan was a charge off and that I owed a debt and needed to pay it. I informed them that the loan had been included and discharged by the Court. I sent them the discharge notification, the order to strip the second loan, the discharge notification and even the trustees final report and account! PenFed is not removing the lien until it collects the discharged debt. PenFed also told me that I currently owe them money for a vehicle loan ( I eventually got the title and the vehicle has been sold years ago ). PenFed is labeling the discharged debts as charge-offs. I previously had to file a complaint with the CFPB to get this resolved. If PenFed does not remove the lean on my home, I can not refinance my home. I will lose my locked in interest rate ( 3.34 % ). The refinance would save me approximately {$800.00} per month. 

PenFeds XXXX XXXX told me that only a XXXX XXXX could handle my case. No supervisor was available to speak with me. XXXX XXXX was the person who would not correct the prior attempts to collect discharged debt previously. PenFed will not allow me to speak to Mr. XXXX. His email is XXXX and the collections main phone number is XXXX lease assist in this matter as soon as possible. I have attached the following : 1 ) Trustee final report and account, 2 ) Discharge Notification, 3 ) order to strip second lien, 4 ) Deed of Trust recording the PenFed loan with the XXXX County Court, and 5 ) email to PenFed and XXXX XXXX of PenFed.

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 2019-12-16 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: CA

Complaint narrative:
XXXX XXXX XXXX reported to Equifax credit reporting agency that I was 30 days late on a payment on XX/XX/2018. The fact of the matter was that their system which processes payments was not working properly and as a result did not process payment in a correct manner.I was repeatedly entering my account number and the system was repeatedly saying the incorrect account number back through the automated system. 
I have repeatedly tried to correct this matter however all my efforts have had negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Apple Card from Goldman Sachs Bank 3 charges were made against my brand new card in short succession on XX/XX/2019 The charges were made by XXXX XXXX XXXX XXXX in the XXXX in XXXX pounds 2 charges were accepted by the bank 1 charge was declined by their fraud department I contacted the bank on XX/XX/2019 immediately on seeing the charges. 
Bank said they would credit the charges, and changed my card number Charges were disputed for XXXX and XXXX, but they were not reversed Credit appeared on XX/XX/2019 On XX/XX/2019 the bank reversed the decision and charged back the XXXX I called the bank and was advised that is was not filed correctly by the agent and that they would refile and it would be credited back. No change was made to my account. 
Called the card services again on XX/XX/2019, the agent said the previous agent had not filed the refiling correctly. I spent 35 minutes on the phone reviewing the issue. I was advised that the merchant would have to be contacted and I would get an answer. I explained that the 2 other  charges to the merchant were declined why was this one accepted. I was advised that the charge for XXXX was still under review and not closed. The XXXX is now on my bill and due. 
Called the card services again on XX/XX/2019. Escalated to the supervisor. Was again advised that they would resubmit, but that the merchant must have provided documents for it to be recharged, but there was not proof provided to me. She advised that they would escalate the issue and I would be contacted, but it could take them up to 90 days. In the meantime I can pay the disputed charge or I will be fined interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This is a follow up, I have already try to fix an Issue with EXPERIAN regarding Identity theft thru this website, as I previously said, on XX/XX/XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help from a friend of mine, I started a dispute process. 

On/or about XX/XX/XXXX, I started disputing the incorrect information on my credit report, as of now, XX/XX/XXXX, I had submitted my documents to the Credit Bureaus 3 times already and there is still one item on EXPERIAN that they refuse to remove. 

On the section " Company 's Response '' they did not answer my question or they are not saying anything regarding the specific dispute. For your reference, the following account, reporting on EXPERIAN, does not belong to me ( circled on my attachment ) : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, with an alleged acc # : XXXX, an alleged balance of {$390.00}, allegedly opened on XX/XX/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 2019-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had this account in 2008 it keeps updating. It is no longer an open account.

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 2019-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On XX/XX/XXXX an unusual online purchase resulted in my debit card being froze. When I called the bank they advised they could not re-activate my card via phone, I would have to visit a branch. I visited the nearest branch location, and was advised by the teller that a manager would have to assist me. The manager activated my debit card via her desk phone. The process took less than 3 minutes, however she continued to navigate through what I assumed was my account, using her mouse and keyboard. Simultaneously I asked what she was looking at and I leaned forward so that I could see what was on her computer screen. I saw the words Lost/Stolen in red font. I asked her what does lost/stolen mean, and sreplied that I had a compromised account in my banking history. The lost/stolen account she referenced was closed over a year ago. On XX/XX/XXXX I called the banks corporate office and filed a verbal complaint. I received call backs from a person who's position is unkown, on XX/XX/XXXX, who confirmed that the bank manager is no longer employed with them and a District Manager on XX/XX/XXXX, who confirmed that the bank manager did print my account information unneccessarily. I was advised that I would receive a call back, but I have not. 

My privacy was breeched at this bank when the manager printed my personal account information without my permission. Reviewing my account history and printing it, was not required to reactivate my debit card. I have not been able to confirm what information she has gained access to. Also because the incident happened mid XXXX and I did not complain until XXXX, the manager had prints of my personal account information in her posession. No one at my bank has confirmed what private details she has access to. The bank has made very little attempts to resolve this issue. Since the incident I have locked all 3 of my credit reports for security purposes, which affects my employement search, making it difficult to move forward from this incident. 

On XX/XX/XXXX I placed a follow up call to the corporate office. The young lady in customer service confirmed that my prior complaint from XX/XX/XXXX was closed on XX/XX/XXXX. Based on my conversation with the District Manager on XX/XX/XXXX they were still working on resolution and I would hear back from them. Closing the case while leaving me under the impression that we are working towards resolution shows that they possibly intended to forget about me as a customer.

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 2019-12-16 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:
Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX, XXXX XXXX XXXX DOB XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX   XXXX XXXX  Reported : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation