vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The problem began approx. XX/XX/2022. I had a business loan for {$430000.00} with SPS. My monthly payments were $ XXXX. I had a XXXX % interest rate. For some reason, Select Portfolio Servicing ( SPS ) put money into my checking account ( around {$2800.00} ) that they were not supposed to put in there. I thought it was an escrow overage so I put the money into the stock market and unfortunately, I lost it. Then SPS contacted me to tell me I was behind in my payments. They told me it was not an escrow overage and that they made a mistake putting the money into my checking account and they wanted it back. In XX/XX/2022, I made a double mortage payment of approximately {$5600.00}. However, because my loan is a business loan, they have a default rate of XXXX %. So instead of using that money to catch up on my mortgage, they didn't apply it towards the loan and they sent the payment back to me because I was at default level, which was about {$7000.00} per month instead of {$2800.00}. Since I made the double payment, I believed I was current. I took a business trip to XXXX and I was gone for a month and I was not receiving any mail at my home in XXXX to inform me that I was in default. When I returned to XXXX I advised SPS of these facts but they did not try to help me. I also explained that during the trip to XXXX, my wife and I both contracted XXXX and it affected my earnings. I asked if they could help due to that situation and take me off the default rate so that I could catch up. They explained that it would take a month for them to decide if they would help. I requested that while we were waiting for the one month period if they could take me off the default rate but SPS said they could not do that. So after I waited a month, they declined to help me. Now my situation is worse because now I owe {$14000.00}. I contacted them in XXXX of XXXX five different times to see if they could help me fix this situation but I could only leave messages and no one would call me back. I had to come up with the money which put me in a hardship situation to get out of the default rate. At one point, SPS said they would possibly assist me with getting out of the default rate but they did nothing despite my circumstances. I spoke to a representative at SPS about the double payment and was told that the they should have never mailed that money back to me but should have applied it to the loan. Since I've had a loan with this company, they have taken out double payme nts three times without my permission. If there is something you can do to assist me with this predatory compa ny, I would appreciate it. 

Thank you. 

XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MS

Complaint narrative:
I noticed that Experian is reporting fraudulent inquiry accounts on my credit report. There is a XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that is not suppose to be there. Accord

ing to 15 U.S. Code 1681n ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the an amount equal to sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I never gave experian a written instruction or permissible purpose to put this on my credit report according to 15 U.S. Code 1681n ( B ) Civil Liability for knowing noncompliance- any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater. I have sent over my information that is needed including my identity theft report according to 15 U.S. 1681c-2.

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 2023-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL

Complaint narrative:
I accepted XXXX months of XXXX  due to damages sustained during XXXX XXXX. I resumed payments after the forbearance period and they are now reporting me late on the credit bureaus which has resulted in denial of a XXXX XXXX and closure of some of my credit accounts. This has had severe financial harm to my situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
On XXXX XXXX, XXXX I received a letter from Hunter Warfield claiming that I owed a lease payment from XXXX XXXX XXXX XXXX for a total amount of {$1100.00}. With a principal of {$940.00} and interest of {$210.00} from the year of XXXX when I was residing in XXXX XXXX XXXX. Stating on the letter, if the debt is not paid they will file a lawsuit against me. The principal balance of {$940.00} which is also higher than my original lease amount. Furthermore, all lease payments were made, I have copies from XXXX of the certified checks, and the statements of my bank account showing the withdrawal amount, as well as the emails confirming payment from mresmgmt.com as will be provided in my supporting documents. I have performed my due diligence and looked up Hunter Warfield on the XXXX it's noted that this business has very shady business practices, with a 1 Star Rating on XXXX reaching XXXX complaints about this very business model. Let it not go unnoticed, this might also be in collaboration with XXXX XXXX XXXX XXXX. 

Hunter Warfield does not also provide information on how to dispute this claim, but merely state if I pay now, they will give me 50 % off my total bill. I intend to write Hunter Warfield directly as well as present this claim to the Judge Advocate General Officer, XXXX and FCRA. 

As a servicemember, I would like to also recommend an investigation into this companies business practices to wit seem fraudulent. They have also violated Florida and Federal Law, not stating action of which I should take if I believe I do not owe money, stating if the debt is not paid a lawsuit will be filed against me, and demanding amounts that are not contractually legal.

In the attached documents you will find checking history for the last two months of residency, along with the certified checks, a copy of the ORIGINAL lease, and a copy of the Notice of Intent to Vacate, including date matching with the pro-rated monthly lease payment. Lastly, the letter from Hunter Warfield and associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Credit Bureau of Jamestown, Inc.
State: NY

Complaint narrative:
Called collection agency to remove false information from my credit report XX/XX/XXXX XX/XX/XXXX XXXX Proof of payment never in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I became eligible for Public Service Loan Forgiveness in XX/XX/XXXX and had XXXX qualifying and approved payments noted on my account with my servicer Mohela. I was transferred to Mohela in XXXX. In XXXX, I updated my employment when I switched employers. That form was processed in XXXX days and my count was brought up to XXXX in XXXX. I submitted a PSLF form to initiate the loan forgiveness on XX/XX/XXXX. Since filing, I have received XXXX messages to my email and Mohela account that have referenced recent loan payoffs and consolidation- neither of which is accurate for my account. I have been told incorrect information by customer service regarding my processing being held up as they were waiting for loan consolidation. I have not consolidated any loans since XXXX. It's now been XXXX days since I submitted the form and there has been no action taken to update my payments from XXXX to XXXX. I am being told that it could take up to the end of XXXX to get the count updated and then another XXXX business days after that for forgiveness to initiate. With all of the incorrect information that has been at play, I am very worried that Mohela does not have an accurate understanding of my account and it's holding up my public service forgiveness. As an aside, this is now causing problems with obtaining a mortgage, so I've had to get my account put back into repayment and am making payments far past the XXXX qualifying payments. 

I've attached the letters I've received erroneously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX XXXX  account # XXXX has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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:
In accordance with the Fair Credit Reporting act XXXX  Account ( 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

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 2023-01-26 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:
In accordance with the Fair Credit Reporting act XXXX  Account ( 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
I am submitting this complaint because I had XXXX credit card accounts with FNBO. On XX/XX/2022 I received the XXXX letter in the mail that stated they are suspending my ability to make any more transactions with XXXX of my cards. It also stated that to get my spending privileges reinstated that I need to submit copies of my driver 's license, social security card and a recent pay stub. I submitted these items through email and mail but on XX/XX/2022 I received another letter stating that the account had been closed and to destroy the card. I called them to question them about the situation and the reprezentive could not give me a reason why my credit account had been closed. All of my payments where on time FNBO had no reason to request my personal information as this is violation on my right to privacy. Also when they closed this credit card account it dramatically affected my personal credit score and they are also continuing to add interest as if the card is still active. I feel like I am being discriminated against because no one has any explanation to how and why this could happen. I also sent them a certified letter over 45 days ago regarding this matter and FNBO did not reply.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
XXXX  automatic withdrawal requested in writing to be stopped after balance paid in full. Bank continued to withdraw the amount XXXX  months in a row and even reopened the checking account after I had closed it. Each time it took several days for the funds to be returned to me rather than immediately assuming responsibility & letting their own accounts go without funds. They caused the account to overdraw & charged me XXXX overdraft fees. They did correct this error. I made XXXX different trips to the bank & they still did not do as I asked. Branch Mgr XXXX XXXX completely incompetent, had to call multiple people & still took XXXX  months to stop the withdrawal. I asked for feedback from Risk Management Director XXXX XXXX. XXXX told me that she had turned my request to her supervisor XXXX XXXX and a letter detailing the events was being sent on XX/XX/XXXX. To date ( XX/XX/XXXX ) I have received no feedback from anyone at First Horizon Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jim Bottin Enterprises, Inc
State: SC

Complaint narrative:
Received a collection letter from you for a collection effort from XXXX XXXX XXXX XXXX XXXX. We had been members in good standing for many years with XXXX XXXX. Please check with XXXX XXXX, or Anytime XXXX XXXX XXXX WI at XXXX to see how long we had been members of Anytime. A job transfer took us to XXXX, TN in XXXX of 2021, At that time we starting visiting the XXXX XXXX location. The then owner XXXX attempted to transfer our memberships from Wisconsin to her location in Tennessee. She was able to transfer mine with no problems, but deleted XXXX 's account somehow. We went around and around with XXXX, and XXXX XXXX. They were able to locate her account and did acknowledge she was a member in good standing, but they could not reinstate her for some reason. After numerous conversations with XXXX, the only solution was for XXXX to have to sign back up with her. This error had nothing to do with us, and having to re-up was a huge inconvenience for us. As my membership was moved over without any issues. We had been members with Anytime for years and had no issue with this. At no time were we told that we would be locked in to a membership. I was transferred again for my job. Had there been an XXXX XXXX in XXXX, XXXX  there would be no issue. As you can see by the attached documents I had tried numerous times to contact the gym XXXX, and the owners. There was never any response. Whenever we visited the gym regardless of time there was never anyone there to discuss leaving the gym with. It was only after we moved that I was able to get in touch with someone at the XXXX XXXX location. I explained the situation to XXXX, the new XXXX, sent him the attached and thought we were all good. Apparently XXXX, was no longer the owner, and there were numerous issues he was dealing with from the prior owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
My client 's monthly mortgage statement has listed two methods for contacting the servicer listed, with a single point of contact, XXXX XXXX. There is a phone number with an extension for XXXX XXXX and an email address : XXXX. 

My client has tried more than five times to reach Marisa Iglesias at the number provided and has been unable to reach her. She said that she was on hold during one of these attempts for several hours, only to be hung up on by the automated system. 

I emailed XXXX a Request for Information on XX/XX/2023. The email came back undeliverable. I tried again the next day and after over 50 hours of retries, gmail was unable to deliver email to the address. I tried it from two separate computers and a cell phone and all came back undeliverable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation