vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Hello and thank you for offering this service, it is nice to know that there is a government entity that provides a place to be heard and hopefully justice kept inline because of it. 

What happened ; In XXXX XXXX XXXX approved me for a 30 year mortgage. I am in excellent standing with XXXX XXXX. 

XX/XX/XXXX I received a notification of assignment, sale or transfer of my mortgage loan to XXXX XXXX XXXX XXXX XXXX XXXX effective XX/XX/XXXX. 
I don't know what to do with this information. 

- XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement, which I pay. 

- XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement, which I pay. 

- XX/XX/XXXX I received a letter from Select Portfolio, stating that my loan will now be paid to SPS. Confused by this letter and no warning from XXXX XXXX I speak in person with two XXXX XXXX Mortgage agents, they too are confused and after many phone calls determine that I am to send my mortgage payments to SPS. 
I am upset that XXXX XXXX did not inform me. 

XX/XX/XXXX XXXX XXXX sends me my monthly bill and statement. Confused, I pay. 

XX/XX/XXXX I finally receive a transfer of servicing mortgage loan from XXXX XXXX to Select Portfolio Servicing. 

XX/XX/XXXX Select Portfolio servicing sends me a letter of their payment address. 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage bill and statement. Which I pay. 

XX/XX/XXXX I received from XXXX XXXX Mortgage Company, a notice of assignment, sale or transfer of ownership of mortgage loan ; Select Portfolio Servicing. 
I am confused by this letter of yet another possible sale!? 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage statement and bill, which I pay. 

XX/XX/XXXX Select Portfolio servicing sends me my annual escrow account disclosure statement and my new escrow payment amount. 

XX/XX/XXXX Select Portfolio servicing sends me my mortgage statement and bill, which I pay. 

XX/XX/XXXX Select Portfolio servicing sends me a notice of servicing transfer. 
Loan now transferred to XXXX XXXX XXXX XXXX. 

Complaint ; My loan was transferred twice almost three times in less than five months! 
Each time requires time and effort in setting up new company to pay. 
Is this legal, of so why? 
How many people are currently experiencing this and what is the intention behind the buying and selling of home loans? 

Thank you for your time and effort. 

- 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 2019-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am a victim of Transunion 's Inquiry Issue. The customer service representative that answered my call would not remove the inquiries in question. The following are the inquiries that need to be removed from my credit report : XXXX XXXX XXXX via XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone number not available Requested On : XX/XX/XXXX XXXXL XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number not available Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ND XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Requested On : XX/XX/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 2019-05-27 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: OH

Complaint narrative:
I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, transunion, XXXX, and XXXX is reporting a account from XXXX XXXX XXXX XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.

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 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
From what I was told when I signed up with this card, I was not going to be charged if I didn't have the funds in my account. When I opened this account, I had come from XXXX and even XXXX XXXX XXXX with the promise that I wasn't going to get charged overdraft fees from the company and a transaction would not take place if the money wasn't in the account. 
THIS means " every day '' card purchases, this does not mean any other types of purchases. That means that if you go to the grocery store and try to buy something, it will decline if funds are not available. That makes sense. But why am I being charged AT ALL if the money isn't in there? 
It's been so long, and I finally read the verbiage used in the disclosure about overdraft fees and they say they will pay things to their discretion. I have called them to ask them not to take the fees if the fees aren't in there. This is not my primary account and I am switching to an account that doesn't take money if the money isn't in there. If paying something is up to the discretion of a company, they will pay it because they know I'm going to pay hundreds of dollars in overdraft fees every single year for it. With that said, I have tried closing my account multiple times now and they tell me that I can't if I have pending transactions. So then I have to wait. In the meantime, another thing ( to their discretion ) is paid, and another fee is attached to it! I don't even use the account anymore, and I feel like I'm being cornered. I would like all of my money back for the fees, I have paid the company more than enough money for paying bills that I told them not to take out unless the money was in there, but they pay it ( to their discretion for a {$34.00} fee ). This doesn't seem like a bank to me, it seems like a business where they make more money and they can not be trusted with my business.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I opened a complaint/claim with PayPal ( Case Id : PP XXXX ) on XX/XX/2018. The PayPal unauthorizedly pulled out a total of USD XXXX from my bank account ( XXXX XXXX Checking account ). The five unauthorized transactions happened between XX/XX/2018 and XX/XX/2018 ). Since my first complaint, I have spent many hours of phone conversations with the Paypal to resolve the issue by getting the refund the balance of USD XXXX. The Paypal did their own investigation and admitted that the transactions were frauds and identified the party in this regard. And, they agreed to refund me all the 5 transactions. 
Unfortunately, PayPal has not refunded my {$740.00} yet as of today.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: OH

Complaint narrative:
I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Equifax, and XXXX is reporting a account from XXXX XXXX XXXX XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: OH

Complaint narrative:
I have had numerous accounts still reporting inaccurate and unverified accounts on my credit report. XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, and Experian is reporting a account from XXXX collection agency XXXX, they keep reaging it and I never had that account opened with XXXX and I am confused on why I am being held responsible for the account. If all of the creditor 's are reporting to the same bureaus, why is the information inaccurate and their reporting different information and it is affecting my credit file and score and I am being held accountable for fraud committed against me. I want proof and I want these negative and inaccurate accounts to be removed because I haven't seen proof of me opening them and they are negatively affecting me and that is against the law. I filed a police report.

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 2019-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
About a year ago I acquired a debt with Fortiva credit card of XXXX the agreement was XXXX a month, but a month after I suffered a pay cut of 32 hours less a month, I tried over the phone multiple times to change the agreement with no success at all they did not even tried, few months after they closed my account and sent it to collections with XXXX  XXXX   and after contacting them over email I explained that if I was not able to pay XXXX a month much less a settlement of XXXX, but no success I still continue to pay through the Fortiva website because they do not seem to understand that I cant afford to pay XXXX or XXXX a month

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened a credit account at MACYs Department store in XXXX when I first moved here in XX/XX/2018. The only picture I.D . I had with me was an old drivers license from a previous address in XXXX, TN. I specifically told the clerk ( with my wife as a witness ) not to use that address and I verbally gave her my correct address in XXXX. I also provided on the credit application my telephone number and e-mail address. I had only the one charge on the account from that day and MACYs mailed the invoices to the wrong address and I never received them. I was never contacted by phone or e-mail regarding the unpaid invoice and I only realized the error in XX/XX/2018 when I checked my credit report. Upon identifying the error I called MACYs and immediately paid the balance by credit card over the telephone ( which had now ballooned to twice the original charge due to penalties ). All I asked is that they contact the credit reporting agencies and have it removed. I have written them several letters and provided all the necessary information to prove to them I had not resided at the TN address for over 4 years ( which is why the invoices were not forwarded to my correct address ). They have no legitimate reason for not contacting me by either phone or email. I sincerely appreciate any help your agency can provide me to rectify this situation and clear this blemish on my credit report. Thank you, 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 monetary relief
Consumer complaint received 2019-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: LA

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from AD Astra Recovery Serv on XX/XX/2019 in the amount of {$660.00}. First and foremost, I have confirmed that the debt collector, AD Astra Recovery Serv is not licensed in the state of Louisiana to collect on this debt. Secondly, AD Astra Recovery Serv violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to AD Astra Recovery Serv? I have never heard of them, have no written contract with them and have never received any benefits from them, yet AD Astra Recovery Serv has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$660.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo Dealer Services File XXXX  XXXX Reported on XX/XX/XXXX This was my car loan for a XXXX XXXX. This loan was paid in full completely in XXXX. They actually mailed me a title and nobody does that unless the loan is paid in full. I do not have this car any longer -- so I could not have transferred the title unless they mailed me one. I have spoken to them directly. Car loan was paid in full. Ask them why did they mail a clear title if car was not paid in full. I do not owe them anything. This credit has been paid in full by myself the consumer. I have no knowledge where they feel debt is not paid. I just know they started calling me asking me for this money. 

Thank you. 

XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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: NY

Complaint narrative:
there is a debt on my credit report from XXXX XXXX for {$1200.00} and I paid this debt in full on XX/XX/2019 through the Sheriff 's   Department. I disputed this debt on my report with TransUnion and they found that this debt is still active. 

I have a copy of the paid receipt. I will supply if necessary, but I do not have it scanned in at this moment. I want this debt removed from my credit report. If it is not removed and my report is not repaired to take this debt off, I will be notifying my attorney.

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 2019-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX File # XXXX Reported on XX/XX/XXXX This was my car loan for a XXXX XXXX. This loan was paid in full completely in XXXX. They actually mailed me a title and nobody does that unless the loan is paid in full. I do not have this car any longer -- so I could not have transferred the title unless they mailed me one. I have spoken to them directly. Car loan was paid in full. Ask them why did they mail a clear title if car was not paid in full. I do not owe them anything. This credit has been paid in full by myself the consumer. I have no knowledge where they feel debt is not paid. I just know they started calling me asking me for this money. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 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:
I have disputed the following errors on my credit report with Experian for years. There results keep coming back verified. I have also contacted the original creditors and ask that they send me the contract and agreement o had with them, they have not send contract or agreement because i never done business with them or benefited from there services 1, XXXX XXXX   # shows chargeoff 2. Social Security Adminsration show collection chargeoff The above accounts do not belong to me. Please help me solve this conflict

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 2019-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I write my complaint through the Consumer Financial Protection Bureau as a last step to see if the insanity can cease the insanity pertaining to my home foreclosure. The documents attached show that I have been active in both federal and state courts trying to justify why XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Ocwen Loan Servicing LLC can not agree to a loan modification with principal reduction. The original foreclosure dating back to XXXX was eventually set aside, but Ocwen Loan Servicing LLC refiled a new Lis Pendens XX/XX/XXXX to start an unnecessary foreclosure action all over again. I am still capable of filing a bankruptcy petition to save my home. However, Ocwen Loan Servicing LLC has refused to respond to the modification package I submitted XX/XX/XXXX. I believe that I am being highly discriminated against as a member of the XXXX Community, and I desire to have the Federal Deposit Insurance Corporation take a look at my file completely. The fact that I had a full modification package submitted before the new Lis Pendens was filed is a violation of my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. Ocwen prepared a BOP in XX/XX/XXXX in preparation of a principal reduction. So why all of a sudden must I be placed in a foreclosure defense again. A copy of this complaint will be submitted to the attorney on record XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, New York XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Leopold & Associates, LLC
State: NY

Complaint narrative:
I write my complaint through the Consumer Financial Protection Bureau as a last step to see if the insanity can cease the insanity pertaining to my home foreclosure. The documents attached show that I have been active in both federal and state courts trying to justify why XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX can not agree to a loan modification with principal reduction. The original foreclosure dating back to XXXX was eventually set aside, but XXXX XXXX XXXX XXXX refiled a new XXXX XXXX XX/XX/XXXX to start an unnecessary foreclosure action all over again. I am still capable of filing a bankruptcy petition to save my home. However, XXXX XXXX XXXX XXXX has refused to respond to the modification package I submitted XX/XX/XXXX. I believe that I am being highly discriminated against as a member of the XXXX Community, and I desire to have the Federal Deposit Insurance Corporation take a look at my file completely. The fact that I had a full modification package submitted before the new XXXX XXXX was filed is a violation of my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. XXXX prepared a BOP in XXXX of XXXX in preparation of a principal reduction. So why all of a sudden must I be placed in a foreclosure defense again. A copy of this complaint will be submitted to the attorney on record XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, New York XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation