vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: NC

Complaint narrative:
I have had a reverse mortgage being serviced by Celink for over a year. In XXXX of this year, I sustain damage from a hail storm. 
Celink is VERY difficult to deal with. I had a local contractor replace the roof which was paid for by XXXX XXXX. The check was made payable to me and to the mortgage company. 
Celink tries top force you into operating via their website, Hold times are always over 30 minutes, usually 45 minutes to an hour. Their answer messages are long and unhelpful. Even though I select the correct response to get through to my team, the calls are always trunked to someone else who has to transfer the call. 
When I do get through, I am always put on hold so that the agent can check on something. While I wait, the call is dropped. They never call back. 
I contracted with a local roofer, XXXX XXXX, to reroof the house. XXXX completed his work on XX/XX/XXXX. The inspection was completed on XX/XX/XXXX. I verified with Celink that all of the documentation is in. I have not received a final check to pay the roofer. 
I can not help but think that CELink is not a good actor in mortgage servicing. 
I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
An account from XXXX showed up on my credit report that does not belong to me.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I applied for a mortgage refi loan with TDBank on XX/XX/XXXX, sent all my docs on XX/XX/XXXX and locked my loan. Paid for appraisal and paid for whatever other credit fees. Appraisal report was done a few weeks later and submitted XX/XX/XXXX. After that I pushed for closing non stop, sending several emails and phone calls and nothing has been done to move my loan to closing. 

The tentative closing date was XX/XX/XXXX however that came and went and I have not heard anything from anyone. I have tried to escalate but have not been able to reach managers or anything else to escalate. It has now been 60 days since my application and I have yet to hear a word about closing. 

Also the points fees and schedules I originally applied for did not match what was advertised. They were advertising XXXX with XXXX points in my state and I have XXXX+ credit score and great credit history and income and was unable to achieve that rate for some reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
A collection account showed on my XXXX - this is note mine

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR Experian 1. The account is collection/charged off account balance should be zero. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all. 

FOR XXXX  1. The account is collection/charged off account balance should be zero. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CT

Complaint narrative:
I have repeatedly emailed Fay Servicing since XX/XX/2020, about hazard insurance being taken out of my escrow account when I already pay for the appropriate level of hazard insurance in force. I have received phone calls from Fay Servicing Customer Service staff asking me to not only prove that I had the insurance but that I paid for the insurance. I have done as requested and emailed the information to Fay Servicing Customer Service. I still have not received a response that any hazard insurance paid from my escrow account has been or will be returned. On XX/XX/2020, I was informed by Fay Service Customer Service staff that the matter was going to be sent to Fay 's insurance department for review. 

In the meantime, I received an 'Escrow Account Disclosure Statement ' from Fay Servicing XXXX XX/XX/2020, indicating that {$890.00} in flood insurance will be charged to my escrow account in XX/XX/2020. I have historically paid this myself directly with no escrow. Since Fay Servicing is not authorized to pay for flood insurance out of my escrow account, this needs to be reversed, and my payments adjusted appropriately. Any flood insurance paid on my behalf by Fay Servicing last year needs to be returned. 

The 'Escrow Account Disclosure Statement ' also indicates that Fay Servicing paid {$2000.00} for hazard insurance on my behalf in XX/XX/2020 to XXXX XXXX XXXX XXXX XXXX refunded this to Fay Servicing on XX/XX/2020. This error also needs to be corrected and addressed since I pay monthly hazard insurance directly to XXXX XXXX. 

I received a letter from Fay Servicing dated XX/XX/2020, saying that they had received my most recent correspondence that I sent certified mail on XX/XX/2020. Fay Servicing said that they needed 30 business days to respond. I have not received a response and it has been more than 30 business days. They referred me back to their Customer Service Department as well.

Since Fay Servicing has prior bad acts on record concerning taking customer 's money for hazard insurance when they already have it or overcharging for hazard insurance, I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: MS

Complaint narrative:
FIVE months ago, Equifax and XXXX BOTH claim that they verified the bankruptcy reporting on my credit report through XXXX XXXX, XXXX responded that they could not verify this information and DELETED it from their database. I sent all correspondence to Equifax and XXXX   for them to delete this unverifiable information off my credit report via section 1681, however its been five months and they are not cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AMA Advisors, LLC.
State: IL

Complaint narrative:
As of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my credit reports, I have never had an account with this company, My Mortgage was handle by Homebridge Fin. My Home loan was paid in full XX/XX/XXXX and now XXXX is reporting on my CRA as 90 late, I have tried calling the number listed on the CRA report, but it is just no answer. 
Also it is reporting my loan was late XXXX, XXXX, XXXX, XXXX now. I have contacted Homebridge and they provided a notice stating there is no adverse action being reported on my CRA reports but the CRA ( XXXX XXXX, XXXX  ) states and show the information is being reported as accurate after I have sent them all the paper work to dispute and correct. 
I want all information from this company removed from my CRA reports.

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 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
I had my Navient and XXXX accounts consolidated with XXXX. Navient is still reporting loans in a negative manner instead of deleting from my reports as i no longer have loans with them. So now its showing as if i have XXXX different loans when i only have 2 none of which is with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: NC

Complaint narrative:
An account showed up on my cbrs that does not belong to me. I've never done business with either company listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
COMENITYBANK/NWYRK & CO failed to give me proper validation of this debt.

I mailed COMENITYBANK/NWYRK & CO a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
COMENITYBANK/VICTORIASSECRET failed to give me proper validation of this debt. 

I mailed COMENITYBANK/VICTORIASSECRET a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: CO

Complaint narrative:
We made a normal, typical payment to our mortgage on XX/XX/2020. The electronic transaction cleared our bank, but the mortgage company, Planet Home Lending, did not process it or credit our account. They simply kept the money. 

They have refused to refund our money. I have sent numerous emails and have called several times. All conversations are run-a-round or blatant lies by the customer service personal. 

We have never missed a payment. We are not in arrears. In fact, the loan has been paid off in full. The payment on XX/XX/XXXX wasn't processed or counted for in the loan. We've demanded a refund several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: FL

Complaint narrative:
I went to the ER at XXXX XXXX XXXX XXXX 3 times in XX/XX/2018. I was misdiagnosed the first visit and given meds to treat something I never had ( Of course I found this out after the fact ). Second visit I was not seen because they were too busy but a doctor in the hallway prescribed me something for pain. Third visit another scan was done and I was diagnosed correctly this time. I was treated for a XXXX XXXX, which I never had when in turn we found out I had a fractured vertebra. I received 3 bills from XXXX XXXX - $ XXXX/each visit. I agreed to pay for one - the visit they were correct on. After numerous attempts to resolve this they simply refused to respond to certified letters, emails, voice mails-not one time - then turned me over to collections. I could have sued them for malpractice but did not. These 3 negative posts to the 3 credit bureaus are impacting my score hugely. I am not able to  refinance, get a credit card, or get any kind of loan. I have disputed the incorrect reports repeatedly and no one will help. XXXX was copied on every dispute. Still no response. I don't know where to turn at this point and I'm hoping you can help somehow.

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 2020-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
COMENITYBANK/XXXX XXXX XXXX failed to give me proper validation of this debt. 

I mailed COMENITYBANK/XXXX XXXX XXXX a debt validation request on XX/XX/20 certified mail # XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PNC Bank N.A.
State: FL

Complaint narrative:
To whom it may concern. I am filing a complaint regarding my experiences with PNC. I opened an account around XXXX of XXXX from that time on I have kept a minimum balance of {$500.00}. In XXXX of XXXX, I opened a secured credit card and put {$500.00} down instead of the {$300.00} minimum the representative asked for. For the last six months, I have maintained at least a {$5000.00} balance in my account and have made all six secured credit card payments on time. Last week I was in PNC XXXX XXXX Branch in Maryland and was proactively solicited for an unsecured credit card. The associate was aware of my relationship with the bank and stated I would be eligible for an unsecured credit card. My current credit score is XXXX. They have denied my request for a credit card and have denied my appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, TransUnion, and XXXX  are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX  1. The account is collection/charged off account balance should be XXXX. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all. 

FOR TransUnion 1. The account is collection/charged off account balance should be XXXX. How did you verify and validate this account because this is still reporting the discrepancy I mailed you previosuly about? 
XXXX XXXX Account Number : XXXX Please remove it from my credit report because it does not look like this was verified and validated at all.

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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Select Portfolio Servicing, Inc Complaint They have asked me to verbally agree to payment plans over the phone but refuse to send me letters about the plan. They say I need to verbally say yes, then they will send me the packet.

This is not the first time, I have felt scammed from them.

I contacted them when COVID hit to ask for 2 month deferral, due to hardship. I have never missed a payment and I also had automatic payments set up. The women assured me that my payments would be deferred for 2 months and my monthly mortgage would resume and then SPS would work with me to reconcile the 2 months missed. 

Now they have no record of a deferral of payments, I am in now in forbearance mode and must come up with $ XXXX by XXXX. They have no record of any past conversation they " say '' however all calls have been recorded. 

They now have rolled in all these hidden fee 's when I have a letter stating that due to COVID they won't have hidden fee 's or % rates. This company is also the company that gave me a 7.8 % mortgage interest.

I definitely think someone needs to audit them.

As someone who owns companies, this company isn't honest or full of integrity at all. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL 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 2020-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 i found i was in a forbearance status with Dovenmuehle Mortgage. i immediately called them and caught all my payments up. In XX/XX/2020, They were dishonest in the manner in which they put me into forbearance and actively called me to ask if i want to suspend payments for 90 days with no penatly. They never mentioned a forbearance status or anything of the sort. I am trying to refiaqnce with another lender and can not do so, because of the forbearance status placed by Dovenmuehle. 
I paid my payments, i am 100 % current, any have left 4 messages with their representatives for a supervisor to call me, I have also logged into their website and left 4 emails, all since XX/XX/2020 and no one will respond. I have been on hold for hours, no one answers. 
It is my impression they have abused the forbearance rules recently enacted and now are willingly neglecting responding or removing me from such a status or program, despite my repeated attempts. 
I have called XXXX and can not get through to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: Nelnet, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: FL

Complaint narrative:
THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2020-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
In XX/XX/2020 i sent CAINE & WEINER a debt verification letter https : //files.consumerfinance.gov/f/201307_cfpb_debt-collection-letter-2_more-information.doc by USPS certified mail with tracking number XXXX to CAINE & WEINERs lockbox address listed on my XXXX  report XXXX XXXX XXXX, XXXX XXXX , CA XXXX CAINE & WEINER had received my latter In XX/XX/XXXX and they failed to respond to my verification letter with any documents after 30 days ( Why they thinks i owe the debt, Original creditor contract, Authority to collect the debt, Last statements ).

Company response to consumer: Closed with explanation