vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Specialized Loan Servicing Holdings LLC
State: AL

Complaint narrative:
I am a first-time home buyer and purchased a mortgage with XXXX XXXX  in XXXX of 2020. My first payment was due and made on XXXX XXXX, 2020 for its full amount of {$940.00}. Soon thereafter, my loan was sold to Specialized Loan Servicing ( SLS ). When I received my second bill in the mail, it was from SLS in the amount f {$1800.00} ( exactly double my loan amount ). I called SLS Customer Service department and was advised that my first payment probably had not been sent over from my prior servicer yet. I was instructed to make my normal payment amount and that once the payment was received from XXXX, it would be applied to my account. So my second payment that was due on XX/XX/2020, was made in full for the amount of {$940.00} on XX/XX/2020. I found that the issue was still not resolved and called XXXX XXXX ( my prior servicer ) and was given a wire reference number # XXXX that was made from XXXX XXXX  to SLS on XXXX, XXXX 2020. I gave this information to SLS and they opened a claim to try and find the missing wire. I continued to make my payments on time as if the issue didn't exist ( XX/XX/XXXX and XX/XX/XXXX ), in order to stay on top of my payments but unfortunately, since the initial payment is what is " missing, '' my payments are being applied a month in arrears. This claim has been open for two months now and the wire still can not be located and it doesn't even seem like anyone is trying to locate it. I've been told that a manager will call me back six times now and have not received one phone call. I have called SLS a total of eighteen times in the past two and a half months hoping to get this resolved, and have even had my prior servicer reach out and none of it has gotten me anywhere. I am now being charged late fees and will be taking a hit to my credit if this is not resolved soon, even though I have made my payments early each month and SLS can not /will not locate the wire made to them from XXXX XXXX  on XX/XX/2020.

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 2020-06-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Hi I am XXXX XXXX and I can be reached at XXXX XXXX XXXX and email : XXXX I have received a fraudulent bill from a company PayPal Credit whereas I don't have any PayPal credit card. I have received couple of payment notices in the amount of {$2400.00}. I have not paid as I do not have any PayPal credit card nor I have purchased any stuff in that amount. Even in the notice, there is no description of where this money was spent or any transaction detail. This seems fraudulent as I don't know any information about it. I tried reaching out to the number provided in the notice but they asked me about my social security number. I didn't provide my social security number to them. 
My intention of this complaint is to notify you that I have received this notice and it's fraudulent. 
Note : I have attached the notice with this complain.

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 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello, I entered into a COVID-19 mortgage forbearance agreement with my XXXX XXXX XXXX  XXXX, Select Portfolio Service ( https : //www.spservicing.com/ ) and was told that they would likely add the missed payments to my existing principal. Now, they are requesting a balloon payment, which I am unable to make. 

I've been in my home for 16 years. I am a XXXX XXXX XXXX, so I know the game well, and understand all of the terms etc. that they are using. 

Is there something I can do to force them to add this outstanding balance, which represents the late payments, to the principal or can they do whatever they want to me? 

The outstanding amount is {$12000.00} and they are sending statements requesting this full amount due as a balloon payment. 

I've called them several times and it's like banging my head against a brick wall. I wish Congress had restricted all lenders ( not just government-backed loans ) from these balloon payments - people are going to lose their homes, and if it's anything like XXXX, the foreclosures will take the rest of the economy down. 

It seems antithetical to me that they would want to foreclose. I'm working very hard and have money in the pipeline, but I'm feeling overwhelmed by this as I try to get back on my feet with such an uncertain future with COVID still an issue. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I never received any communication for a dispute, I logged a Dispute back in XX/XX/2020 for a fraudulent charge that led into a collection. 

TransUnion mishandled the dispute and did not supply any evidence in regards to it. Nor allowed me to contribute my input to the case. 
When I called TransUnion about this dispute and the filenumber provided. They said this dispute was closed. I was never provided the research report, nor does the dispute appear on my account. 

What's more, the collection agency has no record of my name in their system, never been contacted by them or the original vendor. They have no idea about the collection for me, as I do not exist in there database ; however was claimed on my credit. 

I was able to get into my TransUnion account, where I found that there are names ( XXXX name ) and numbers that do not belong to me. I have never went by anything than my birth name and have an XXXX/XXXX   heritage. Where this blows me away, that this wasn't an obvious fraud, and that you are making me file another dispute to start over ; because of the lack of handling and professionalism by TransUnion.

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 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I took out an {$800.00} title loan in XXXX of 2016. The interest rate was not disclosed in the original paperwork. I made payments for about a year, I went to pay off the loan and they wanted {$2500.00} to pay it off. I was shocked at the amount, so I did not pay it off and I stopped making payments. I just received a summons in the mail from this corporation demanding {$4200.00}. I misplaced my original paperwork, so I went down to the title company and they printed out a forged document. On this document, it stated that my original loan amount was {$1900.00} and the interest rate I was given was an annual percentage rate of 180.00 %. I requested the " original '' paperwork, they refused and the girl at the counter told me that this was the only paperwork she was allowed to give me. Obviously, this is fraud in addition to higher than legal interest fees. I am not sure what I can do, I have an appointment with an attorney to discuss my options, but I would like this company to be investigated. The company is Cash Time Title Loans, inc. XXXX XXXX XXXX XXXX. XXXX, AZ XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I am having a very difficult time with SLS. SLS has a 2nd lien on my property that was charged off. Did not hear from them for over 10 years. Then out of nowhere they contacted me and acted like a very aggressive debt collector. My husband XXXX XXXX passed away in 2015. I XXXX XXXX XXXX am XXXX years old and living on a fixed income. I was told by SLS they would not do a loan modification on my home unless I came up with {$30000.00} cash. I do not have that kind of money, due to the fact I am only receiving social security.

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 2020-06-29 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX XXXX 8 ) XXXX XXXX  9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: MO

Complaint narrative:
The following accounts are not mines, my identity was stolen and compromised years ago snd and the result of that has affected my credit files with unknown and unauthorized accounts. I'm demanding that the 3 major reporting credit agencies remove these accounts. 

1 ) XXXX  XXXX XXXX  XXXX 2 ) XXXX  XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX  XXXX XXXX 5 ) XXXX/ XXXX XXXX  6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX XXXX {$20000.00} 10 ) XXXX  XXXX XXXX 11 ) XXXX   XXXX XXXX XXXX  12 ) 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 2020-06-29 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
I filed Chapter XXXX Bankruptcy on XX/XX/XXXX and it was discharged successfully on XX/XX/XXXX ( Case No. XXXX : XXXX ). I had a truck loan from USAA which was also included in the chapter XXXX BK. However, USAA bank currently has a lien on my title stating that I owe over {$5000.00}. The employee I spoke with from USAA 's Bankruptcy Department stated that he has information that the loan has been discharged but also states that I owe over {$5000.00} and needs to review it with his team. I stated that my ch.XXXX BK has been discharged since XX/XX/XXXX and it even shows on my credit that my XXXX XXXX XXXX has been paid off in the bankruptcy and I owe nothing. I was a member of USAA for over 20 years because they used to be a great company. Nevertheless, as time went on they became very corporate and their customer service and policies became very poor and dissapointing by putting lifelong members at a disadvantage with no incentive to keep using their services, even as a veteran. I no longer use USAA for any service and this experience is just another example of why I am no longer a member with USAA. 

Attached is my " Discharge of Debtor After Completion of Chapter XXXX Plan '' showing proof of all USAA loans being discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I send numerous letter to this company. I told them I dont owe this debt. Ive spoken to several representatives and they refuse to compile by the law. I want the to remove this account from my credit. I dont owe this debt and they are not the original creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
Citizens Bank initiated a hard pull of my XXXX  credit report on XX/XX/2020 without my consent. I'd previously applied for a HELOC with them in XX/XX/2020, but never went through with the loan. I hadn't heard from them in months and had decided to not get a HELOC. Then they pulled my credit after 5 months of silence for no reason and without my consent. 

Please remove this inquiry from my credit report, delete my HELOC application and delete my personal information from your systems. I'm currently in the process of applying for a mortgage on a new property and this inquiry could jeopardize the purchase. I'm extremely upset and if this is not cleared up immediately, I will suffer real damages as a result. 

If necessary, I will also file a complaint with the FTC and the RI Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
FABCO submitted over 2 years ( XXXX XXXX XXXX ) of late payments on a debt collection attempt we were never notified of. I found out about the " debt '' in XX/XX/XXXX after looking at my credit score and submitted a dispute with the credit bureau. FABCO only ever notified us XX/XX/XXXX because of the dispute. We have since asked for them to remove it from my credit score at least from XX/XX/XXXX until XX/XX/XXXX when we were actually sent it. We have been unable to get some sufficient pictures or statements from FABCO/XXXX  to prove the debt and have instead received information we know is false, so I would like it to be completely removed unless they can prove the charges valid with actual receipts instead of made up internal " statemnets '' and pictures of the damages, not blurry black and white close ups that can't be identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX my store credit card was charged {$2100.00} at a store I have never been to nor do I even have membership. I received an email from the bank about suspicious activity on my account. I immediately contacted the credit card company to report what had occurred and attempted to resolve the problem. Every month since, I was charged with the fraudulent purchase ( at times I was charged twice XXXX. I called the company every month to resolve this issue, however the transaction kept appearing on my account on my next statement despite ongoing investigation and multiple phone calls. 


On XX/XX/XXXX, after 5 months of investigation I still had not received an update from the credit card company. I called them and I was told when I called the credit card company that the investigation lead them to still charge me for the fraudulent purchase as the purchase was completed by chip despite my card never being stolen or misplaced.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Balance being charged for purchases instead of payment method selected by customer. 
When using PayPal checkout to make a purchase with a 3rd party XXXX XXXX XXXX XXXX XXXX, I was presented with a screen asking me how I would like to pay. I selected my Credit Card on file with PayPal. However, upon further inspection I found that PayPal charged my PP balance without my consent instead of charging my credit card. 

Funds from my PayPal balance were withdrawn without my consent and used to pay for a transaction that I had chosen to put on a Credit Card. 

I filed a complaint also with the XXXX, and PayPal replied, expressly verifying my claim and stating that they did nothing wrong and will not change their behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is the third time I have requested to have these addresses removed from my credit file and they are still showing on my file. I was a victim of Fraud and these addresses are the reason I was compromised and I am not affiliated with them please remove them at once. If I get compromised again I will sue! 
My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXXXXXX XXXX  SS XXXX I need to get my credit file corrected I have fraudulent addresses on my file that I never lived at showing that may have belong to another person or relative, Please delete the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX XXXXXXXX XXXX XXXX  XXXX XXXX OH 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 2020-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Earnest Inc.
State: MD

Complaint narrative:
Earnest refuses to allow me to enter auto pay to my detriment. They are unlawfully collecting $ XXXX in additional interest. 

Their privacy policy is not compliant with the CCPA. 

Their website is not XXXX compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: Monterey Financial Services LLC
State: CA

Complaint narrative:
The account has been paid in full but is still showing as a collection on my report. The last time the credit report was updated was in XXXX it is now XXXX almost XXXX and has not been updated to reflect the paid in full status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
The Money Source ( TMS ) serviced my home mortgage for the house I live in. I refinanced this loan with a new lender and TMS was paid off. 

The new loan disbursed on XX/XX/2020 and the loan that TMS serviced was paid off. However, they still have not refunded the escrow balance from the old loan. 

My TMS account shows escrow refund entries for XX/XX/2020, but I have never received the refund check ( s ) nor the escrow statement in the mail. TMS still owes me the {$1100.00} left over in the escrow account from the old loan. 

I called TMS on XX/XX/2020 at their toll free number. The customer service agent said she showed that the money went out on XX/XX/XXXX. She said she would put in an internal request to stop the first check and have a new check reissued by TMS escrow.

It has now been almost a month since I called TMS and I have heard nothing, nor have I received any check, call, or letter. It has been two months since my old loan was paid off and I am still owed the escrow refund! I would like the funds mailed to me ASAP. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: DISCOVER BANK
State: GA

Complaint narrative:
A account was opened using my info fraudulent and the creditor refuse to remove the account from my credit file I provided a police report and ftc report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
For almost 7 months I have contacted American Express to fix an issue to where they are not applying for my payments according to the terms of the agreement. Every month they have stated that they would take care of the issue, however, they never have. This is not a new issue and they are not blind to the fact that it is happening unless it is willful blindness. I make more than the minimum payment every month but they do not break the payments up according to the contract. On several occasions I attempted to get this fixed without any resolve, however the company continues to send responds just to indicated a response however all responses to date do not address the actually issue. Payments in excess of the min payment are not being applied to the highest APR appropriately as indicated in the credit card agreement. And disputes are being closed without proper explanation. Court docs where sent the XXXX XXXX, XXXX, and XXXX XXXX without any response.

Company response to consumer: Closed with explanation