vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Despite several attempts, my request for the QualifiedWrittenRequest with SLS has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX on the current mortgage on my property has been ignored. 
As of this date, SLS has been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.

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 2019-10-04 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery associates is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: WA

Complaint narrative:
Our mortgage was transferred from XXXX XXXX XXXX to Loancare on XX/XX/19. Previously, our autopayment of {$2200.00} with XXXX XXXX XXXX  was taken out of our savings account on the 1st of every month. When Loancare had not withdrawn the auto payment by XX/XX/19, I mailed a physical check from my checking account to pay our XXXX mortgage. On XX/XX/19 Loancare tried to process our autopayment. Because the funds were not available in the account we were charged a {$30.00} NSF fee. I moved money to the account to make sure it would not be overdrawn again. Two days later Loancare retried the autopayment on XX/XX/19 and the funds were taken out of our account. In addition, on XX/XX/19 Loancare cashed the physical check I mailed. However, only one of these payments posted to our loancare account. In the past two months, we have been trying to contact customer service to identify which payment posted to our account and request a refund of the payment that did not post. We have made 5 phone calls to loancare ( XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 ) and spent approximately 1 hr and 15 minutes on the phone with customer service. We have also sent four separate e-mails to payment research as requested by customer service reps with documentation showing that both payments were withdrawn ( e-mails sent XX/XX/19, XX/XX/19, XX/XX/19, and XX/XX/19 ). As of today XX/XX/19, Loancare has still not been able to tell us which payment posted to our account ( the auto payment or the check ) and has not refunded us nor applied the missing payment to our account. We have also been lied to, being told a check was mailed to us, when in fact someone else told us the next week that it was not. We just want the money that is ours either refunded or applied to our 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 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Repeatedly tried REMOVING XXXX XXXX alert. Sent in all required documents to remove alert. Still hasn't been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Dear Sirs and, or Madams : Thank you all for your time. 

I had been using the American Express prepaid " Serve '' card ending in XXXX for several years. On XX/XX/2019 I loaded it with my cash : {$1500.00}. On XXXX AMX cancelled the card, keptStole my money, citing a vague fraud clause in their policy and procedures. 

AMEX has not stated beyond the clause what they believe I did to be deemed fraudulent. 

When I called them, they would not give me any answers nor would they let me speak with the department that made the bogus fraud determination. 

I have done nothing fraudulent with their card. 

AMX has previously been in hot water with the CFPB for similar if not the exact arbitrary, unfair business practices. 

It has been almost nine months, close to a year with no resolution. I really need my money!!!! 

Thank you all again, XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: TN

Complaint narrative:
I got a background check done through yall company and it came back and said that I had a XXXX   XXXX Charge. But I knew my record is clean so I called and went to XXXX County General Sessions Court Clerk and got a Disclaimer. I went to XXXX XXXX and they told me to get in touch with yalll and file appeal. So with all this said and done I want to File a Appeal for my background!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: McCalla Raymer Leibert Pierce, LLC
State: CA

Complaint narrative:
Despite several attempts, my request for the QualifiedWrittenRequest with XXXX and Affinia XXXX XXXX XXXX has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX TS # XXXX on the current mortgage on my property has been ignored.As of this date, XXXX and Affinia Default Services have been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
For the last 4 to 5 months, I have unsuccessfully attempted to log into my account at Equifax 's web site called " myEquifax '' ( https : //my.equifax.com/membercenter/ # /login ) to view/manage my security freeze. I receive a " login or password is incorrect '' message followed by an " account locked '' message. I have then called the customer support team in an effort to fix the problem but, again, have had no success. I have repeated this process approximately 15 times over the course of 4 to 5 months with no success in accessing my web-based account. Today, while on hold for what seems to be the hundredth  time, the call just terminated. I have had no trouble accessing both my XXXX  and XXXX web sites, just the Equifax site. Appreciate anything your organization can do to help restore my access to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a {$55000.00} credit on my Capital One Venture Card. It hit my card on XX/XX/XXXX. I requested a check on XX/XX/XXXX. To date they have failed to issue me a check for the credit balance. I have had numerous phone calls with Capital One. Each time they tell me a different time period I have to wait for my request. It started as no wait time, then went to 5 days, then 15 days. I still have not been issued a check for my credit balance. The customer service representatives have been unable to provide any reason for the hold up or give me any expectation as to when I will receive my check for the credit balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have told this company to not contact my phone and yet the SAME PERSON keeps calling me stating this must be in writing only and the cease calls verbally was only temporary. When U ask how long is temporary she said she doesnt know and continues to talk over me and at one point chuckle when i told her i lost me job and stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-04 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: WA

Complaint narrative:
On Monday XX/XX/XXXX, I went to XXXX XXXX XXXX on XXXX XXXX XXXX in XXXX, WA, to close my checking account with them. I took my balance in a check over to XXXX  XXXX XXXX XXXX XXXX XXXX and deposited it into an account I had opened on XX/XX/XXXX. 

On Thursday XX/XX/XXXX, I received an email about a low balance notification for the account that I had been assured in person was actually empty and closed. I called XXXX XXXX XXXX corporate and they told me they would take care of it and close the account. I didn't hear from them again until I received a letter in the mail in XXXX of XXXX that the account was delinquent and had been closed. This triggered an entire credit card collapse with XXXX, XXXX XXXX 's, and XXXX XXXX credit cards I had just opened. When I called XXXX  XXXX XXXX they said they couldn't do anything because I hadn't paid low balance fees. There shouldn't have been low balance fees for an account that was deliberately emptied and closed in person at a XXXX XXXX XXXX location, nor should those other credit card companies have closed their credit lines on me due to incorrect information. 

Additionally, the credit report says my XXXX  XXXX XXXX account existed from XXXX, which is certainly not true. I used XXXX  XXXX XXXX as my sole bank account from XXXX, when I closed it and moved over to 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 2019-10-04 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: CA

Complaint narrative:
XXXX XXXX XXXX is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.

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 2019-10-04 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 is continuing to purposely report false and inaccurate information on my credit reports to willfully harm my credit. I have disputed with the company as well as the credit bureaus and they are still refusing to fix the fraudulent information. They are not addressing the issue and insisting that they are reporting correctly. They are not a factoring company they are a debt collector and they are reporting open factoring accounts on my credit to damage my credit and use unfair tactics to park the debt in an effort to obtain payment. The debt they allegedly purchased is not in fact factorable debt as they are a debt collector. Under the definition of a factoring company, factored debt must be current when purchased but according to them, these accounts were sent to collections. They are violating FDCP section 623 of the fair credit reporting act. I have enclosed proof of their false reporting and am requesting that these violations of incorrect information be removed immidiately or I will be forced to file suit for multiple violations. This is my second complaint that I have filed as the issues I addressed in my first complaint were blown off by the company and they only responded that they verified the information and that it's correct. They are now knowingly reporting incorrect information which is a clear violation. They even went as far as to add one of the incorrect accounts to my third credit report after receiving the information that it was incorrect and falsely reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm a XXXX agent that uses the verification system XXXX ( Tracker and Reporting of Operations System, XXXX : XXXX : XXXX ) in order to verify the information of the consumers and provide solutions that improves their health and their lives. 
But before using the app, my identity needs to be verified, in this case through the company Experian, which process I was never able to finish since they automatically said " my identity couldn't be verified ''. I tried to find a solution with them through the phone and the only thing I was told is that they couldn't find any credit history related to me, denying any other way or option to verify my identity. 

My job depends on this, if I'm not able to use the mentioned tool, I can't do my job and so i will be fired. 

I hope that you can help me to solve this mayor inconvenient. 

thank you

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 2019-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I tried to wire {$290.00} from my HSBC checking account to an account in XXXX on XX/XX/2019. HSBC charged {$30.00} international wire fee on that same date. On XX/XX/XXXX, there was {$250.00} ( {$40.00} short of what I had sent ) returned to my account with the following notes : XXXX XXXX XXXX XXXX /BNF/RETURN OF YOUR PAYMENT REF XXXX XXXX VALUE XXXX FOR XXXX XXXXUSD AS ALL PYMTS DESTINED TOB /XXXX SHOULD BE RTN OR CNCL //IF THEY ARE NOT IN XXXX  I called HSBC and was told they can not transfer money to that account. I had used the HSBC online transfer so if the transfer had to be specified in Pesos, that is not something their interface allowed me to do. 

When I asked for a refund of the fees ( $ XXXX {$40.00} ) I was told eventually by a supervisor named XXXX with ID XXXX that federal " Regulation E Subpart B does not allow HSBC to reverse fees on international wires. '' ( This is the culmination/summary of four calls and hours on hold. ) This was surprising to me so I asked the agent what this regulation is about. The agent did a XXXX search read portions of the regulation having to do with changing fees, and refunds. I looked through regulations myself and could not find anything relevant. 

I did ask for a pointer to something concrete, and the agent would neither send me anything ( not even via the HSBC messaging service ) nor put me in contact with anyone who could point to the relevant part of the regulation. His mantra was : you are not getting your money back. stop wasting your time.

My complaint to them started with understanding why there were fees charged for services that they did not deliver and then a request for reversal of fees. However, at this point I am highly

concerned t hat HSBC business practices include having agents inappropriately use consumer protection regulations to intimidate customers. I would like HSBC to reverse the fees but more importantly I would like an explain how federal regulation prevents HSBC from reversing a charge that they are choosing to impose on customers. My complaint number with HSBC is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-04 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: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet XXXX XXXX is reporting that several accounts were delinquent at least or more than 90 days. This is completely false. I have contacted Nelnet XXXX XXXX  and disputed this but they have never made any attempt to correct or validate their error. 

I have one student loan. It was consolidated. There are 6 student loans showing delinquent states on my credit report when I have never ignored or missed any agreed upon payment. In most cases they were processing paperwork for a deferment or did not know the nature of their own student loans. I am an XXXX for the last 18 years and should be eligible for the XXXX Forgiveness Program but when I call they dont know what I am talking about and transfer me from one department or the other until I have run out of allotted time devoted to this. In some cases this has been over 1 hour. 

My balances, payments and terms are incorrect because of this but they continue to knowingly inaccurately report my student loan. 

I have not been late with them. In regards to their latest reported late payments I applied for the Income Based Repayment plan. While they were processing it they informed me they were placing the loans in deferment status. This was for the months of XXXX, XXXX and XXXX. In XXXX I was approved for the IBR payment plan. I spent an hour with a XXXX loan person and he promised that I qualified for an immediate loan forgiveness. I also asked " who owns the loan? '' He responded " XXXX XXXX, XXXX XXXX, XXXX, Nelnet, XXXX, and XXXX XXXX ''. I've been given all these answers from personnel and nothing but derogatory credit is the result. 

I have been unable to purchase a home and have suffered financial injury due to their inaccurate reporting which is in violation of precedent established by the US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. 

They have ignored my disputes and pleas for accuracy. This is violation of

FCRA Section 623. XXXX and XXXX knowingly facilitate this. After failing to achieve effective communi
cation with my loan servicer I have also tried to have these errors corrected directly with XXXX, XXXX and XXXX. They continue to do mock investigations and let gross inaccuracies remain on my credit report. This has caused me financial injury and is in violation of FCRA Section 623 CUSHMAN, v. TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ).

Company response to consumer: Closed with explanation