vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Since the Covid-19 Pandemic, I started having financial hardship due to the decrease of my business and since then I started having difficulty to pay my mortgage payments. I requested help from Select Portfolio Servicing and back in XX/XX/XXXX they put me into a 3 months Forbearance program and not pay my mortgage payments. After the 3 months still in the same financial hardship they gave me another 3 months and another 3 months. My delinquency has increase and now they want me to pay them all the past due mortgage payments within 30 days. I have no way of paying them back when I am still struggling with my business. I have requested to put me into a deferral in which since they offer me the Forbearance they have mentioned that they were working on a solution to offer by the end of the Forbearance and the solution is Foreclosing on my home. I have no way to pay this Lender my delinquency in which they made me think that they were going put my delinquency at the end of my loan. I am asking for help with my lender to modified my loan or put my delinquency into a Deferral. I have attempted several ocasions to resolved this matter with my lender and have no resolution. I was informed that as of XX/XX/XXXX that Mortgage Payment Deferral became available to homeowners. Federal Funds Relief or any other type of funds that can be helpful to me as a Homeowner that due to the Covid-19 I was placed into this terrible hardship. Please help me save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
This is a continue case to solve for Wells Fargo ; move information needs to be given : My credit is on the line due to you not doing the right thing. I have sent you information pleading my case which is a nightmare. and of no fault of mine i have no choice but, to continue asking for an explanation why you are not taking this {$83.00} off my credit and continue making this a nighmae and destroying my life by destoring my credit, As I continue telling you that I was under XXXX care and completely loss my XXXX have to go under three XXXX. my home, my care, my bills, nurses care was in control. 
while I was totally adapping to my life fighting for my XXXX i was robbed my home, my bank accounts my credit cards, my check book bank permission was only supposed to pay my bills. The home help card used my credit cards and paid money on my wells Frago account, and used my credit cards without my permission. Your bank would have never been pick up as fraud if you didn't close out my account to automatic take out payments. so again I'm asking you to honor the XXXX dollars and remove me out of this charge off. I was not able to read your notice stating that you closed my account i believed because of the low balance. 

remember that your bank falsly open accounts in my name and also another address. Just trying to get {$83.00} off an charge off is crazy especially since you gave me a fee because of my troubles. this dispute has been going on for several years. I have recover more horrible news and becoming sick each time you are making me go to look up information to plead my case!. Cancel because of a closed account that was stopped because you bank had accounts in my name that never opened. I was afraid to trust your bank again. 

2. accounts open at my second home address please indicate where the money is that is suppose to have been deposit in my accounts 3 '. possible credit alet. 

if you can see this is very hard to understand. why this bank is doing this for XXXX dollars my credit card was used and paid for by an automatic payment and a care taker please explain why you are not accepting my claim. and please state that you fully know that this credit card was being used and paid for why a care taker only had permission to pay bills, you are indicating that you are not accepting this claim because my bills were being paid. the police gave me a police report and why you are not accepting the police report. you also had an report by the insurance company for thief I need this in writing to be able to dispute to the next level.

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 2021-02-18 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: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and MUFG Union Bank. The Account Opened is MUFG Union Bank Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-19 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I Have called XXXX XXXX and XXXX and disputed in writing regular inquiries promotional inquiries and supplemental credit and checking account XXXX. all be removed from the credit reports. The following are the worst items. XXXX XXXX is incorrect with a balance of XXXX incurred in XXXX Yet the next line show that I have an exceptional payment status. Then next line says the account is closed. Ironically I have asked XXXX to show me what the original loan balance was and they did not respond. It is not reflected on the report. and I was unaware that state social and health departments gave out personal finance loans. XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX cooperative all are reporting negative and in accurate and disputed data. The next credit agency XXXX shows the same delinquent, closed, and paid account from XXXX XXXX the account number is XXXX for {$9100.00}, next XXXX XXXX with an account number XXXX shows a XXXX balance. The account is closed, yet it says I still owe {$990.00} and its open. XXXX XXXX bill for XXXX for {$54.00} in the account XXXX has also been paid and still reflects a negative balance. XXXX and XXXX  show that nothing is owed nothing is revolving and I have no open accounts with an exception of one account for {$330.00} from the XXXX credit report. XXXX  shows that I have a total debt amount of {$54.00}. XXXX XXXXXXXX dollars and XXXX XXXX a debt over {$12000.00}. This is not accurate clearly. I asked that all these items be taken off and removed one way or another from my reports. Next on XXXX Ive apparently had over 72 inquiries also inaccurate. I have a similar number also with XXXX, yet only 25 inquiries with XXXX. All of this information is false, inaccurate, fudged, incorrect, and detrimental. I have asked repeatedly with both the creditor and perspective credit companies to show proof. Not a single document verifying or even asserting to the debt was returned. I asked and disputed and requested That all these inaccurate anomalous blemishes be removed from the various reports perspectively. I must reiterate however the very worst revolving accounts that should not be there or XXXX with an account number of XXXX and in the amount of XXXX dollars XXXX XXXX  with an amount of XXXX Dollars Via JP Morgan Chase also XXXX With a steel revolving balance of {$330.00} this will be supported via documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I sent NELNET XXXXffidavit of Truth and a Invoice. 
They are in violation of : 15 Us Code 1692j. ( a ) 15 US Code 1692g. ( b ) 15 US Code 1692e. ( 1 ) ( 9 ) ( 10 ) I have invoiced {$5000.00} for these violations to NELNET

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On the XXXX of XXXX, I noticed that a XXXX request ( XXXX dollars ) I made from my bank to my XXXX XXXX was withdrew twice. Putting my account to a negative XXXX. I initially only wanted to withdraw the first XXXX $ but when I realized my bank withdrew XXXX $ .As a result of this, I called my bank immediately to notify them/ and I filed a dispute. I was given a provisional credit by my bank in till they figure out where the second transaction is. 
By the time the system updated the other XXXX charge was gone. And they made the dispute on the XXXX I had authorized. 
XX/XX/XXXX the provisional credit was taken back : the problem now is my actual XXXX on my XXXX XXXX isnt there anymore and when I contacted XXXX XXXX I was told the bank pulled it back. And that I should contact the bank for my money : when I contacted the bank, they told me to contact XXXX XXXX. I have emails from both party, pushing me to each other. This is not helping me and this has taken a toll on my mental health and well-being. 
My bank is BMO Harris bank

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 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2021-02-18 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: WV

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I was contacted by Freedom Mortgage by XXXX  XXXX XXXX NMLS XXXX on XX/XX/2021. XXXX provided me an email stating I would have {$0.00} cash to close prior to me completing my initial disclosures. On XX/XX/2021 @ XXXX PST, XXXX called and stated we are " Clear to Close '' and not to make the XXXX payment as we will be going to docs right away. 

When I requested the CD, XXXX stated I will now need to bring {$1200.00} cash to close to which I explained this was not acceptable. XXXX came back a couple days later stating there are no other options as I don't qualify for other programs to now have {$0.00} cash to close ( Mind you he sent in writing that it will be {$0.00} cash to close and my initial disclosures reflected the same ). I emailed the escalations department a copy of the email from the XXXX  with Freedom Mortgage and they explained this was being looked into. 

It is now the XXXX and I have had to call in daily to see what's going on with my file as I am told, " Its being reviewed and escalated ''. Today Freedom Mortgage calls and tells me they let my pay off expire back on the XXXX and I would need to come in with {$580.00} cash to close because they did not order an updated pay off and they can not pad the closing. I again explained this was an error on freedom mortgage and I do not agree to these terms. 

My XXXX   is telling me if I don't come up with this my loan will most likely not fund this month and I will need to pay the mortgage payment that I am not being charged a late fee on because I was told NOT to pay this month. XXXX told me this is not his Freedom Mortgages fault and claims he never said to not pay yet the conversation was recorded XX/XX/2021 @ XXXX PST. 

This is the second refinance I have done with Freedom Mortgage where they stated in writing {$0.00} cash to close and at the signing try and charge me in an attempt to strong arm me into paying. I am not sure if this is due to being a minority or what but this is not an acceptable way to conduct business!!!!

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 2021-02-18 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
Bluebird for some unexpected and still unexplained reason has permanently suspended my account that I've had for 3 years. No explanation and myself and my girlfriend gets our. Unemployment directly deposited in this account and we have over {$5000.00} and they will not allow us access to the account to close it to get our funds. They suspended it, it's like there stealing our money. I just want to close the account after I get all funds out of the account. I have called the number given to us trying to talk to a manager for a week and calling multiple times a day. Have been hung up on and gave the run around. They tell me there's no number and I have to write a letter. And they are trying every way to avoid the problem and are not trying to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-02-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SIERRA PACIFIC MORTGAGE
State: CO

Complaint narrative:
To whom it may concern, I would like to file a complaint against Sierra Pacific mortgage company. 

My XXXX payment was posted as an additional principal payment incorrectly instead of as a regular monthly payment. They have ackowledged this error. Since this time they have been showing that I am a month behind. My payments have all been made in full and on time. 

*My XX/XX/XXXX payment cleared my bank on XX/XX/XXXX. It was not posted to my mortgage account until XX/XX/XXXX. I was told on the phone that this " was held in a non-interest bearing account '' My question is why? 
*I have received letters of foreclosure. This is very concerning. I am also curios how they would threaten foreclosure if they are only showing one month behind.

*I have received numerous collections calls, one per day. Each time I have to tell the person to read the notes. " they are unable to take me off the collection list until accounting moves the payment and corrects this '' *I have made countless attempts to contact them about this, by phone, email and fax. I have sent copies of my bank statement and transactions as proof.

*I got my mortgage broker involved. She has discontinued using Sierra Pacific because of issues in addition to mine. She was not able to help me. 

*They are adding late fees to my account balance. 

I desperately need someones help with this. I can not afford to hire an attorney. If this is just an error it should not take 7 months to correct. I beleive that there is something very irregular going on. 
Their error that should have been corrected months ago is causing me not only stress but effecting my credit rating. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: TX

Complaint narrative:
I have a mortgage with CMG XXXX  and an escrow account for home insurance and taxes on my home. The mortgage is under my name, but the deed has both my and my sister 's names. We each own 50 % of the home. The deed of trust of course has both of our names as the mortgage is for the full value of the house. CMG and their loan servicer, XXXX, failed to pay the entirety of taxes due on the home by the deadline of XX/XX/2021. I gave them notice about 7 days prior to XX/XX/XXXX that it appeared they only paid half of the taxes due ( which were assigned to my account with the taxing agencies ) and not the other half ( assigned to my sister 's account ) when I saw that a significant amount of money remained in escrow. I called approximately 3-4 times that week prior to XX/XX/XXXX and was told over and over that it was the servicer 's mistake and that the outstanding taxes would be paid out of escrow with any penalties/interest accrued on the taxes born by the servicer and NOT taken out of our escrow. I called multiple times because I was concerned no action was being made towards payment and the representatives seemed less than knowledgeable about property taxes. 
When no payments were made, I again began calling the week of XX/XX/XXXX asking about the status of payments. The servicer 's records showed no action taken, and I had to explain to the representative, XXXX XXXX, the entire situation again and send the outstanding tax statements. I was supposed to receive a call back but have not received a call or a response by email. Additional penalties/interest will accrue on the outstanding taxes on XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Strategic Alliances, Inc.
State: GA

Complaint narrative:
On XX/XX/2021 i checked my credit report seen this account from XXXX XXXX XXXX is the original creditor and this collection agent First Financial Asset Mgmt. I have never heard from them received calls from them even an option to dispute this debt. I sent them a certified letter asking for validation of debt and they send me an itemized statement of my visit which gave a description of the visit. 

This is a third party and i never gave verbal or written consent for them to access this information. 
I have also made a HIPAA violation compliant. I know feel embarrassed and unsafe with this third party accessing my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MONEY SOURCE, INC., THE
State: CA

Complaint narrative:
I was getting a loan modification to lower my interest rate, at that time my principal balance was {$310000.00}. TMS ( The Money Source ) assured me that it was not going to cost anything to modify the loan. Now my principal balance they say is {$320000.00}, and when I ask them about this they say they have no record of it ever being {$310000.00}. I have my mortgage statements and a printout from TMS showing payment history down to {$310000.00}. I have been told its their error and will be corrected, I have also been told they have no record of it ever being {$310000.00}. I have all the documents which they asked me to email to them, I did email them and to date nothing has been done nor will they return any of my calls.

Company response to consumer: Closed with explanation