vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery Company Corporation Service XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, GA, XXXX, United States To : The Office of Registered Agent for Enhanced Recovery Company From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing Whitney Arielle Findley private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. 

If you lack understanding of this paperwork, forward to your ATTORNEY. 




By : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 

I would like to settle my account in exchange for the original instrument of indebtedness in its original form and the journal and ledger entries that shows the debit and credit entries of who funded the account according to IRS publication 583 See attached

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, Ive been trying to reach the different Bureaus by letter letting them know wich information its incorrect on my Credit report since a few months ago, there are two companies that I have sent letters for several times with no answer at all. I havent receive an answer, and at this point I just feel they are not going to cooperate with me, As I understand the Law says they are suppose to answer me and I feel they are preventing me from my right to know of what is going on with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Every time I try to get and increase Im told no, the last time I applied for a new account I sent them a message and my response was rude and ugly and was told that NFCs stand their grounds and I need to check my XXXX account before applying for anything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: MS

Complaint narrative:
Freedom mortgage account was surrendered in bankruptcy Freedom mortgage pulled my credit report after bankruptcy My bankruptcy was discharge and the final account put them being paid. They show my account current on credit report but not 0 liability and also showing that I have a monthly payment I put in dispute with all credit bureaus I also informed freedom morgage I surrendered the property And did not reaffirm debt but every month they are reporting me owing XXXX more on loan now to XXXX due to fees I went into bankruptcy with a balnce of XXXX The trustee had payed loan for one year he did not pay freedom mortgage after I surrendered property but on final accounting it says he paid them over XXXX in principal. The bankruptcy is now discharcharged and the case is closed but freedom is still reporting I owe balance and payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
THIS COMPLAINT CONTAINS THE CORRECT ATTACHMENTS. I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from XXXX and Equifax showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
THIS COMPLAINT CONTAINS THE CORRECT ATTACHMENTS. I sent an email directly to the CEO of XXXX. Received a letter in the mail stating that he will not remove the late payment history/incorrect payments reporting to the credit bureaus. I have disputed the account with the credit bureaus several times regarding this inaccuracy and the results stated that the data furnisher verified that the information is reporting correctly. This issue has carried on for almost a year. XXXX along with the credit bureaus state that they will not correct the information reporting on the account. The account is closed, paid, and still has a {$0.00} credit. I have attached a copy of my credit reports from Experian and XXXX showing how the pay history is STILL showing an active pay history from one credit bureau while the other bureau is showing a charge off pay history of XXXX each month. This continues to affect my credit over the past year and should be removed by the data furnisher for continuously reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
A debt validation letter was sent to the company Bull City Financial Solutions , Inc. located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. The letter was sent on XX/XX/2021 and received on XX/XX/2021. A follow up debt validation letter was also sent out on XX/XX/2021 and received on XX/XX/2021. As of today, XX/XX/2021 I have not received the correct information to validate this debt. The company has failing to validate this debt but is still reporting the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021, I disputed some inquiries on my report, and I received an illegal computerized letter dated XX/XX/2021, from the credit bureau in which they stated, 1 ) an explanation of what an inquiry was, 2 ) told me they MAY investigate and 3 ) if they chose to investigate, they listed the investigation procedure then proceeded to tell me to contact the publishing company.

According to the law and my request, my letter to them asked them to please verify the debt as required by the Fair Debt Collection Practices Act. The law requires that the bureau be able to furnish who, what when and why as proof of a debt or correct information they are choosing to publish on their platform.

I asked the credit bureau for proof of such information being verified and validated as something I did, since they were opting to publish the information on the platform. I didn't ask them for information on what an inquiry is or how an investigation is contacted but for them to investigate the inquiries and delete the information if they couldnt furnish accurate proof, I initiated them or show me proof of their findings to be able to report such inaccurate information as accurate. 

Because they did not do that what is required by law, they are now in violation The Fair Credit Reporting Act ( FCRA ) that states, if inaccurate information is discovered in a file, the consumer reporting agency must examine the disputed information. If the inaccurate information can not be verified, the consumer reporting agency has a responsibility to remove it. 

These inquiries need to be removed as they have NOT been verified or validated as being accurate.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) purported to assign the Deed of Trust to the Secretary of the Department of Housing and Urban Development ( HUD ). The note, however, was never delivered. HUD 's servicing company XXXX XXXX XXXX XXXX stated in a XXXX letter, that it never received the original note from XXXX, and the record shows there is no Lost Note affidavit from XXXX XXXX XXXX XXXX  to HUD, nor from HUD in its putative assignment to XXXX XXXX XXXX XXXX ( XXXX ). Specialized Loan Servicing, LLC has admitted that the note is lost. 
Actual assignment requires delivery of the note, or else a Lost Note affidavit. As there is no Lost Note affidavit of record from XXXX to HUD or from HUD to XXXX, then clearly, there was no assignment of the note in either case. Specialized Loan Servicing, LLC has repeatedly attempted to foreclose without the note, without a chain of title, and without any basis whatsoever. 
In XXXX I sent Specialized Loan Servicing, LLC four Notices to prove-up its right to enforce the instrument pursuant to Maryland Code Commercial Law 3-309 ( a ) A person not in possession of an instrument is entitled to enforce the instrument if ( i ) the person was in possession of the instrument and entitled to enforce it when loss of possession occured or, has directly or indirectly acquired ownership of the instrument from a person who was entitled to enforce the instrument when loss of possession occurred. And 3-309 ( b ) A person seeking enforcement of an instrument under subsection ( a ) must prove the terms of the instrument and the person 's right to enforce the instrument. SLS has failed/refused to prove up its right to enforce the instrument in violation of 3-309 ( b ). 
Moreover, each of the alleged assignments in the alleged chain of title is an " assignment '' of the deed of trust, not the note. In Carpenter v. Longan - 83 U.S. 271 ( 1872 ), the court ruled that The note and mortgage are inseparable ; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity. Every alleged assignment in the alleged chain of title is an assignment of the Deed of Trust, and, as stated above assignment of the latter alone is a nullity. This constitutes evidence of record that every alleged assignment in the purported chain of title is defective rendering the instrument unenforceable. 
SLS has fraudulently attempted to foreclose and steal my home under the color of law in collusion with foreclosure mill, 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 explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Dear Sir or Madam Under 1024.36 Requests for Information, I am hereby writing to you to request specific itemized recorded information about the accounting and servicing of the mortgage and of my need for understanding and clarification of various charges, transactions, actions, payments, analyses and records related to the servicing of my loan of attorney fees as it relates to XXXX XXXX XXXX XXXX. 

I am disputing the validity of the corporate advance debt you claim that is owed for attorney fees. To independently validate this debt, I need an itemized breakdown of the services performed linked to the monies disbursed ( see attachment ) XX/XX/XXXX to XX/XX/XXXX. 

I also request that you conduct your own investigation and audit of XXXX XXXX and XXXX XXXX account whether the attorney fees has been deemed reasonable based on the services rendered. I need to ensure that the attorney fees disbursed to XXXX XXXX XXXX XXXX in the amount of {$11.00}, XXXX based on the work performed is accurate to the XXXX. Please do not rely on previous servicers or originators assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account of monies disbursed or provide justifiable information or itemized breakdown of the services performed. 

I want to ensure that the fees charged were for actual services performed or rendered. As such, please treat this letter as a Request for Information under 12 CFR Part 1024 ( Regulation X ) 1024.36. A servicer must comply with the requirements of paragraph ( d ) ( 1 ) of this section : for requests for information, not later than 30 days and acknowledge receipt within five days to provide a written response acknowledging receipt of the information request. 

/s/ XXXX XXXX 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 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: OH

Complaint narrative:
WELL, I PURCHASED ( 4 ) OF NETSPENDS PRE-PAID CARDS. I PURCHASED THEM XXXX XXXX, XXXX & XXXX 2021. SO, THE CARDS WERE LOST/STOLEN & THE THIEF USED THEM & PURCHASED ITEMS ON LINE WITH MY CARDS. I CONTACTED NETSPEND BUT THEY DID NOTHING. THEY TOLD ME SOMEONE ELSE '' S NAME WERE ON THE CARDS & IT WAS NOTHING THEY COULD DO. OTHER WORDS THE THIEF REGISTER THE CARDS IN HER NAME BEFORE I WAS ABLE TO. NOW LISTEN TO THIS!! NOW TWO OF THE CARDS THEY REFUNDED, CAUSE THE THIEF DID '' NT REGISTER THOSE SHE JUST SPENT THE MONEY OFF THEM. THAT '' S WHY I THINK THEY REFUNDED THOSE. NOW, THEY ALSO TOLD ME THAT THE THIEF CONTACTED THEM AFTER I CALLED & REPORTED MY CARDS STOLEN. AND REGISTERED THE CARDS I '' M COMPLAINTING ABOUT. NOW THEY KNOW THIS WAS '' NT ME SO WHY ARE YOU NOT DOING YOUR JOB!!! INVESTIGATING THAT PERSON!!! YOU SAID IN YOUR OWN WORDS I WAS '' NT THE ONE WHO USED THE CARDS AND MY NAME DID '' NT MATCH ... .I ALSO SENT THE PICTURES & RECEIPTS OF THE CARDS BEFORE THEY WERE LOST/STOLEN. I HAD SENSE TO TAKE PICTURES OF MY CARDS & KEEP MY RECEIPTS RIGHT AFTER I PURCHASED THEM!!!! THE ( 2 ) IM COMPLAINTING ABOUT WERE {$500.00} EACH.!!! THAT '' S ABOUT IT.. THANKS!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Signed a mortgage in XXXX and XXXX 's Office around XX/XX/XXXX and closed on XX/XX/XXXX, were charged an extra {$850.00} for closing costs ( never disclosed at the time of the origination of the promissory note from XXXX XXXX ) after we were assigned a mortgage originator, XXXX XXXX XXXX, XXXX. We never signed a contract with Wells Fargo, NA nor received a promissory note for the changes to the loan ( changed the terms of the loan by increasing the rate and monthly payment amounts without a discussion or approval or disapproval of the loan agreement, no TILA followed, and violations of the notification of auction, and the collusion of Judge XXXX XXXX XXXX XXXX - he was a board member of XXXX at the time of the Final Hearings and allowed the Banks ' attorney, XXXX XXXX XXXX ( a known mortgage and foreclosure " mill '' ) to file after the deadline for the amended complaint, they never amended the complaint, just resubmitted the one from previous and did not make full discovery by producing the original, elonged note with the appropriate signatures ) ; we were foreclosed on by Plaintiff on XX/XX/XXXX ( XXXX ), less than the required 120 days of missed payments for default status with no notification of arrears nor contact to resolve. I was pro se, since the XXXX ( XXXX ) attorney 's I had hired at first were threatened and recused themselves. I don't blame them one bit, the judges and clerk, XXXX XXXX were derelict and corrupt in their actions. Judge XXXX XXXX now sits over my Dissolution of marriage, and he has shown a distinct bias towards me as the Petitioner ( XXXX ) and has allowed the Respondent to violate the jurisprudence of the trial, as they had done during the foreclosure. Several times during the foreclosure the bank 's attorney 's violated the TILA, the proceedings with mis-filings, and there were XXXX ( XXXX ) periods of greater than 120 days of inactivity, but as soon as the case was about to go to statute of limitations ( XXXX years ) the judge disregarded the Discovery and dismissed my claims of collusion, kicking me out of his court room and adjudicating without following the jurisprudence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have two American Express credit card accounts which ending number are XXXX and XXXX. 
I always pay both accounts on time in the statement balance full amounts to avoid any interest charges by one check with the note " This check is to pay two accounts '' along with 2 payment stubs. 
In this case, XXXX statements, the account # XXXX had the balance of {$99.00} and the account # XXXX had the balance of {$23.00} {$99.00} + {$23.00} = {$120.00} So, I arranged the payment check in the amount of {$120.00} along with the note " This check is to pay two accounts '' as usual. 
The issue started when their staff did not apply the {$23.00} payment to the account # XXXX. 
Even they have issued the {$23.00} refund back to me 4 months later, but they still wanted to rob me by first putting the {$100.00} interest charge onto the account in XXXX and then putting another {$300.00} in XXXX. 
That's mean {$100.00} + {$300.00} = {$400.00} interest charges out of the just as little statement balance as {$23.00} of which later has been proven that because it was their fault of applying the {$23.00} to the wrong account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-14 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I took my information, and somehow they got my wrong mailing address on their system they had XXXX XXXX XXXX which is not an existing address at all. my real address is XXXX XXXX XXXX XXXX NY XXXX so i couldnt make payments because i didnt receive any bills or documents. when i realized the issue i contact the bank and they told me they will take care of the issue, and they agreed to take of the late from my reports since the issue was on their end. name of representative was : 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 2021-11-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Neighborhood Capital Funding, Inc.
State: MI

Complaint narrative:
I am trying to pay my balance off with additional payments. When i make an extra payment, my money is transferred to a 2nd escrow account and not applied to my principal. 
For the last month i have been trying to pay the entire balance and my request for the final balance have been ignored. I cant get the final balance from my mortgage statements because they have my money in multiple accounts and every month the balance owed is incorrect. The Transaction activity is confusing and my funds still have not been applied to my balance. 
It has been a month and i still have no idea how to end this relationship and take ownership of my home.

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