vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
VERIFICATION OF PROOF OF CLAIM REQUEST LETTER OF DISPUTE Notice to Agent is Notice to Principal and Notice to Principal is Notice to Agent. 
Dear Legal Departments for : Specialized Loan Servicing, LLC AND XXXX XXXX XXXX XXXX., As per numerous Select Portfolio Servicing representatives, the LEGAL and ADDRESS that SLS uses for my property does NOT match up with the true legal according to the XXXX XXXX Assessors Office XXXX Therefore, until corrected and resolved, SLS has stipulated that they can not move forward with a modification, nor continue with acceptance of my financial documents due to the discrepancy of said property/loan. 

Until this legal discrepancy is corrected and resolved any sale dates, including the current XX/XX/2021, sale date, will be considered unlawful and illegal, even as stipulated by SLS representatives themselves. 

Until this legal discrepancy is legally resolved, and this incorrect information is legally corrected in order to move forward, I am formally, once again in writing, DISPUTING and commanding that SLS stop discriminating against my right to attain a modification, keeping me from receiving a lawful and fair modification that would maintain my true legal ownership once loan is paid and protect all payments being made as going to the correct property. 
As it stands, I have no Assignments, no proof of a true, wet-ink signed Deed and Note together, ( legally must be together or VOID ), and which state the correct legal on my property pertaining to this loan Thank you for your attention to this legal matter, as it is of utmost importance. Please let me also know in writing that the XX/XX/2021, sale date has been cancelled as well as any future sale dates until we can legally resolve this legal discrepancy.

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 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: NC

Complaint narrative:
early warning services provided me with a copy of requested consumer report. Consumer # XXXX was sent. After careful review of the FCRA, FDCPA protections for consumers, early warning services is in direct violation of Title 15 UCS 1681b ( 1 ) ( 2 ) PERMISSIBLE PURPOSES. EARLY WARNING SERVICES DOES NOT HAVE A FEDERAL COURT ORDER, OR WRITTEN PERMISSION FROM THE CONSUMER TO HAVE SUCH REPORT COMPLIED AGAINST CONSUMER. EARLY WARNING SERCIVES HAVE VIOLATED PRIVACY LAWS IN REGARDS TO CONSUMER PRIVACY. 
EARLY WARNING SERVICES HAS AN AGREEMENT WITH THE INDIVIUAL BANKING INSTITUTIONS BUT NOT WITH CONSUMER. CONSUMER HAS NOT GIVEN AUTHORITY TO ANY BANKING INSTITUTIONS TO DISCLOSE ANY OF MY CONSUMER DATA. ACCORDING TO THE TERMS AND CONDITIONS AND AGREEMENTS CONSUMER MADE WITH XXXX, XXXX XXXX XXXX, XXXX ( CLOSED ) AND XXXX XXXX STATES ALL CONSUMER INFORMATION IS PROTECTED AND WILL NOT BE GIVEN TO THIRD PARTYS. EARLY WARNING SERVICES IS A 3RD PARTY COMPANY. HOLDING MY INFO IS IDENTITY THEFT AS I DID NOT GIVE PERMISSION. CONSUMER HAS RECORDED AT LOCAL COURT HOUSE A VALUE FOR ALL CONSUMERS DATA. CONSUMERS DATA IS CURRENTLY ON RECORD TO BE VALUED AT XXXX USD DOLLARS PER MIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
My complaint is about United Wholesale Mortgage and they way they are managing my payments and how after 4hrs of phone calls on XXXX for XXXXsec. XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX for XXXX sec, XXXX forXXXX sec, XXXX for XXXX secs for a total of 4 hours and 6 minutes wasted. All these calls were recorded by me and them. Still, I can't get an accurate amortization schedule. I wanted my amortization statement to reflect my monthly payment of {$1200.00} with an additional principal payment of {$450.00} monthly and NOT having my additional principal as a monthly payment but only as additional principal. 
I've spoken to their reps each time and was transfered to their escalation dept. with no one being able to help my get an accurate amortization schedule. Then I demanded to speak with their superior, they told me they had no superior. I was told this 3 separate times on three separate calls. After I called again, I was connected to an EXECUTIVE in the escalation dept that said they had no superiors I could speak to. When I told the executive that fact they couldn't understand why they would send my demand upwards. I was sent 2 schedules and both were seriously flawed. Wrong monthly payments, wrong principal payments etc. I will attach these where you allow it in this complaint. Their website amortization schedule calculator is also seriously flawed. I was told they knew this already but haven't fixed it yet. My monthly payments are not being recorded accurately either. I pay extra additional principal payments each month. There site shows all my payments as addition principal instead of recording my monthly payment as a monthly payment and I have to call them every month to adjust the payments they recorded to reflect a monthly payment and the additional principal payments as additional principal payments that shows my payment activity is where you can see what I mean. I will include the screenshots of this site where allowed also. You will clearly see how many times they had to adjust my payment info to mirror what I was actually doing. The last entry on XXXX additional payment was a single payment of {$2900.00} yet was recorded as 2 separate payments of {$1700.00} and one for {$1200.00}. I complained about this and it has not been fixed. I find their incompetence unnerving to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
.I tried getting these removed several times. I have a few fraudulent inquiries on my credit report. I never gave permission for the companies to pull my credit and have been unable to get the beru to dispute these fraudulent inquiries. I am requesting The Credit Reporting agency to delete the following fraudulent XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX  and Equifax is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, still have the following Inquiries and accounts on my credit report. 
Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
My account had become overdrawn for a short period of time and was placed with their collections department. I ended up bringing the account current and was under the impression my account was still open and able to be used. XXXX days after bringing the account current, on XX/XX/XXXX, I went into a local branch and deposited {$9000.00} cash, brining my account to a {$9000.00} balance. At the time I made the deposit, I had received no indication that there was any issue with my account, but when I attempted to use those funds later that day, all transactions were being rejected. 

Upon contacting the bank, I was informed that my account was in a " credit only '' status and I was given several answers as to how I could get access to the deposit I had just made ; however, all of them were incorrect. I was informed by their collections department that I had to go into a branch to be informed of how/when I can get access to the funds that I had JUST deposited ; but when I went into the branch, they made several calls and sent emails as I sat there for over an hour ... only to be told to go home and someone would call ... later. They were unable to tell me when that call may come through. 

MANY days later, I received a call from someone at their HQ who said they were looking into it and they would call me the following week ( today ) with more information. When they called today, they again informed me of " work '' they were doing ( or going to do ) and that they hoped to be able to contact me this Friday with more information ; and hoped that the account could be closed and hoped that a check could be cut to reconcile the balance of account. 

How is it possible that my account status could be changed and they could accept CASH funds without informing me of the change in my account status? How can they possibly accept a cash deposit on XX/XX/XXXX without informing me that I would not have access to those funds? How is it possible that they can keep me from accessing those funds for 15 days without being required to inform me of whether or not those funds will be released ; and/or when they may be released ; and/or why they are being withheld? 

They should have rejected the cash deposit or at the very least, informed me that once deposited, those funds will not be accessible until some review is conducted and the decision is put up for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: PA

Complaint narrative:
In XXXX XXXX  I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX class at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my EQUIFAX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/XXXX XXXX was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: PA

Complaint narrative:
In XX/XX/XXXX I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX class at XXXX XXXX XXXX. It was with XXXX & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my XXXX XXXX XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF EDXXXX XXXX  was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a 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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I wrote check # XXXX on XX/XX/21 in the amount of {$2500.00} payable to XXXX XXXX on my Bank of America checking account ending in XXXX. On XX/XX/21, I saw that the check had been altered to {$7500.00} on the pay to line. The dollar amount below stated " XXXX XXXX XXXX ''. I called the Bank and got transferred to the fraud department. I was told that it was clear that the check was written for {$2500.00} and that the amount had been altered. I was given a credit of {$5000.00} on XX/XX/21. On XX/XX/21, Bank of America denied my claim and debited back to my account the {$5000.00}. Of course, this overdrafted my account and the bank returned a check in the amount of {$45.00} to my landscaper. I called the Bank on Monday XX/XX/21 to ask why they had charged this back to me. They said I had not signed a form that they had mailed to me in XXXX. I did not receive the form. It was e : mailed to me on XX/XX/21. On the same day, I completed the form, had it notarized and e : mailed it back to the Bank. I have spoken with executive complaints several times and they still have not given me my {$5000.00} back. I am a recent retiree of Bank of America, and I have all of the funds I own in their Bank. I am appalled that they refuse to give my money back. They said today XX/XX/21 that they are waiting on the money back from XXXX XXXX where the check was deposited. How long does it take to look up a deposit and see what amount the checks in it posted? I have worked in Banking for 45 years and had no idea how risky it is to write a check. Please help me get this resolved. The Bank made the error of paying it for an amount different than what I instructed. I am attaching a copy of the check front and back. Why should I as a customer have to suffer for their mistake?

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 monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The credit line was used by someone other that me. I am a victim of identity theft. I took the steps by filing an FTC identity theft report and sent it to the credit card company along with a letter of what occurred and two forms of ID. I reached out to them by mail on XX/XX/2021 and they have still not responded to my letter. Its unbelievable that they would have proof of me being a victim of identity theft and not respond to my letter or try to correct for over 45 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
XX/XX/2021 I paid off my loan with Capital one auto financing and have not received my title to my car despite numerous phone calls to the company I have gotten nowhere with them Im asking for help in retrieving the title to my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Under 15 U.S Code 1681b- Permissible purpose of consumer reports ( a ) in General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : I XXXX XXXX never gave CBNA any written consent to report late payments on my consumer report. Under the FCRA [ 15 U.S.C. 1681 ( B ) ] A Consumer has a right to privacy I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : CBNA Account # XXXX I was never late, 30, days in XXXX XXXX 30 days XXXX XXXX  and 60 days XXXX XXXXIm not sure how this happened, I have always made my payments on time when I received my statements. My only thought is that there was a billing error with my statement.

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 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Continental Currency Services, Inc.
State: CA

Complaint narrative:
Continental currency services. XXXX XXXX XXXX XXXX c.a XXXX. XXXX XXXX transaction XXXX reload card. in this office it is already the 4 time that they try to steal money he gave him {$170.00} to recharge my card and I only deposited {$70.00} dollars XXXX ) on my XXXX  card he only gave me {$400.00} of {$800.00} always trying togive me less money same cashier its a women very young look XXXX o XXXX years old only

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: NC

Complaint narrative:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

XXXX : XXXX XXXX Original creditor : XXXX XXXX {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} XXXX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} EXPERIAN : XXXX XXXX Original creditor : XXXX XXXX. 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}

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