vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Long & Foster Financial Services, Inc.
State: DE

Complaint narrative:
I purchased my home on XXXX with Prosperity Mortgage. My payments were listed on the following dates : XX/XX/XXXX {$1000.00} XX/XX/XXXX XXXX My mortgage was then transferred to XXXXXXXX  on XXXX however the XXXX payment for XXXX was not posted nor the information shared with the new company. 

I have been receiving messages that my payment is late and this has impacted my credit score by 35+ points. My 1st payment with XXXX was authorized on XX/XX/XXXX and cleared my account on XXXX. 

When I contacted Prosperity I was placed on hold for more than 10 minutes. The second time I called I spoke with XXXX XXXX # XXXX Employee ID who informed me that no managers were available to respond because it was a Monday. The business hours indicate Monday to Friday on the website so I'm not clear as to why that was the response I received. 

I made XXXX aware of this situation and it now with their cashiering department but in the meantime my credit which I worked diligently to improve has been impacted and this has caused emotional distress. 

The response from Prosperity was unacceptable and did not meet the basic requirements for professional customer service. If this is an oversight on my part I intend to address the issue the expeditiously however is this error is on the part of Prosperity I would like their office to be accountable and investigated to determine if this is a pattern that can negatively impact the credit and lives of their customers unknowingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SERVICEMAC, LLC
State: CA

Complaint narrative:
Our loan was sold from XXXX to XXXX Mortgage XXXX. 
It seems the servicer is double billing use for property tax billing. I have attached examples of the error. We have called multiple times and have yet to get a response to our concern. 
As seen, the documents from XXXX XXXX outline all payments that are to be deferred for the home loan : The total amount of {$55000.00} is stated as including an escrow balance and other past-due amounts to be deferred totaling {$12000.00}, and a principal interest of {$43000.00}. 









Now as seen on the documents provided by ServiceMac we have the same deferred amount of {$55000.00}, only this amount is not listed as the total amount deferred as in the XXXX documents, but rather the deferred principal balance only. This suggests that the escrow balance has not been added even though we can clearly see from the above documents that it has been included in the total amount deferred of {$55000.00}. In addition to this amount we see listed another escrow balance of {$10000.00} : This is clear evidence of an additional escrow balance being added to the total amount deferred. XXXX amount of {$12000.00} which is included in the total amount deferred, and an additional {$10000.00} escrow balance which only appears after ServiceMac takes over handling of the loan. Please see the attached PDF files to verify these findings. We would like a prompt explanation as to how ServiceMac plans to correct this issue as our monthly Mortgage amount is currently being effected by the error.

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 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Child Support Recovery Services, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX the collection company XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX tried to collect on a debt stating that I owed and had a balance of XXXX or XXXX. I informed them that my attorney is handling this debt since it was accident related. The representative named XXXX continued to call me and ask me for payment even after I told him I had retained counsel and she was going to pay him from the settlement money. My attorney reached out to the debt XXXX and informed them to not contact me. They continued to call me and also tried to give me a false amount to pay them when in fact their client already settled for a different amount. My attorney showed them the settlement letter for their client and they still tried to collect on a higher amount. They misrepresented the debt and also violated my rights by contacting me after I asked them not too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
THIS COLLECTION OF DEBT WAS FROM IDENTITY THEFT, THE DEBT OF {$1000.00} IS NOT MINE DEBT THIS FROM IDENTITY THEFT I DIDNT NOT OPEN AN ACCOUNT ON XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have contacted Experian in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX advising that they are reporting XXXX XXXX with late payments in the months of XX/XX/XXXX - 60 day late, XXXX XXXX  60 days late, XXXX XXXX 30 days late. I asked Experian how can the other two bureaus XXXX and XXXX report on time, no late payments and they are reporting late payments. I have asked Experian to send me documentation that they used to verify the late payments they are reporting and still as of today I have not received a response or any documentation.

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 2021-11-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX are reporting several inquiries to Experian, XXXX, XXXX and XXXX that are from unknown sources - 15 U.S. Code 1681g. In addition, these inquiries are more than two years old and should not appear on any of the bureaus. Lastly, my legal and birth name is XXXX XXXX. No other names should be reported on my credit report. Any names reporting on my credit report are different from my legal, birth name, XXXX XXXX is committing illegal activity - identity theft - fraud.

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 2021-11-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
At XXXX on XX/XX/2021 I received a text message from XXXX ( XXXX ) XXXX purporting that they represent State Collection Service , Inc. ( aka : SCSI ) and are attempting to collect a debt. 
A link was provided, which I did not access, and the option to opt out of these notifications was provided. I responded yes to opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: ID

Complaint narrative:
I purchased a new XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX from XXXX XXXX in Texas. 
I added this new truck to my XXXX policy on XX/XX/2021 Confirmation # XXXX The agreed price and what came to sign are not the same. I have text messages, and emails going back and forth from the dealership stating that I did not agree with the prices. 
I have different copies of contracts with different amounts and I am not getting anywhere with XXXX XXXX. I have been working with GM Financial as well to find out why there are different prices, amounts and terms. 
This is now become a HUGE issues, as the truck as had major problems and was in the shop the first time 44 days. We got the truck back for 2 days when I realized there are more issues. The truck went back into the shop with major oil leaks. There is still issues with the truck. I am not able to make a decision about trading the truck off due to warranty issues, or lemon law based on the amount of pay off is not correct due to the contract. 
There is one contract stating XX/XX/2021, another dated inXX/XX/XXXX and another set a documents that were sent to XXXX XXXX county in XX/XX/XXXX, XXXX all with different prices, down payments and credits. 
I need to get this dealt with and remove the co-signer off my loan. 
I will upload all documents and I am sending in an email to GM Financial at the email given to me as XXXX today in hopes they can help me. 
They state that they will reach out to the dealership and go off by what the dealership shows. This lays the issue. I believe that the dealership has fraudulently changed the amounts, dates and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I sent letters to all three major bureaus the date of the last letter to XXXX was on XX/XX/2021. And now we are in the month of XXXX 2021 and still nothing from them. That means XXXX has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
I recently entered into a loan modification trial with specialized loan servicing my payment now is XXXX .I informed them on XX/XX/2021 that my situation has changedthat the social security administration 's deemed me XXXX and that I will receive XXXX a month that and my pension from my job gives me a monthly income of of XXXX dollars.The modification I received had no interest reduction or extension of the loan terms.their response was for me to rent out rooms my house. I no longer will be making XXXX dollars year.

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 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
This collection agency is in violation of the law and did not gave such validation also reported inaccurate and misleading information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Child Support Recovery Services, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX the collection company XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, MD XXXX XXXX tried to collect on a debt stating that I owed and had a balance of XXXX or XXXX. I informed them that my attorney is handling this debt since it was accident related. The representative named XXXX continued to call me and ask me for payment even after I told him I had retained counsel and she was going to pay him from the settlement money. My attorney reached out to the debt XXXX and informed them to not contact me. They continued to call me and also tried to give me a false amount to pay them when in fact their client already settled for a different amount. My attorney showed them the settlement letter for their client and they still tried to collect on a higher amount. They misrepresented the debt and also violated my rights by contacting me after I asked them not too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I consumer, XXXX entered into a consumer credit transaction with Capital One starting in XXXXCapital One violated me in the following ways. I did not receive enough information to verify debt, or any mail notices to my current address after my request to them to verify the debt they claim I owe. I keep getting harassed with email notifications from Capital One with my personal information and not disclosing they are in a attempt to collect debt from me which is a violation according to 15 USC 1692d. And all 3 of my accounts were closed without my consent, due to a bank issue. After accounts were closed without my consent Capital One still charged me late fees for months after accounts were closed without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hey on XX/XX/2021, I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I always make my Mortgage Payments using Bill Pay from My XXXX  XXXX XXXX to wells Fargo Mortgage, On XXXX they claimed they never received my payment an charged a late fee ... .. had to call them everyday with long hold and wait, customer service wasn't helpful at all .. i had to do all the work and get them XXXX XXXX XXXX on the phone and had them send all the paperwork to wells Fargo, yet wells Fargo never returned my calls with a resolution i had to call back again. Then they informed that they have to take the payment to my credit card, because it was applied there!!!! 
it's very confusing and hard to track. 
I pay my credit card in full all the time now i dont know about charging it to pay my mortgage that i already paid!!!!

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 2021-11-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I disputed the XXXX XXXX derogatory credit listing on my Experian Report Number XXXX after case # XXXX in the XXXX County Court At Law No. 02 resulted in XXXX XXXX issuing a notice of full release, satisfaction and to vacate the judgment. This should have removed all late payments, overdue balances, and all derogatory information should have been removed. I disputed this item with Experian directly and provided them with a copy of the signed full release of liability. 

Experian however, failed to provide any investigation results, ignored the provided court order, and deemed this invalid derogatory account to be valid. Experian then updated or re-aged the debt making it newer than the initial date reported. 

Upon attempting to re-dispute the error, Experian refused to accept the dispute a second time and is in violation of FCRA laws.

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 2021-11-08 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: DE

Complaint narrative:
Today I called and spoke with Transunion. The representative I spoke with was XXXX work ID # XXXX. There were fraudulent inquiries placed on my report. The representative denied my right to seek remedy in removing inaccurate information from my consumer report. As a consumer who understands federal law, this is a direct infringement on my rights to truth on my credit profile. This is not right and I am seeking remedy.

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 2021-11-08 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Factual Data are reporting several inquiries to XXXX, XXXX, XXXX and XXXX that are from unknown sources - 15 U.S. Code 1681g. In addition, these inquiries are more than two years old and should not appear on any of the bureaus. Lastly, my legal and birth name is XXXX XXXX. No other names should be reported on my credit report. Any names reporting on my credit report are different from my legal, birth name, XXXX XXXX is committing illegal activity - identity theft - fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have ( 3 ) accounts that's been charged off the accounts are as follows : XXXX  XXXX XXXX this account shows that it has been charged off for the amount of {$2100.00} it's last reporting date is XX/XX/21 I received a 1099c to filed this as earned income this item needs to be removed from my Consumer Report.

Item ( 2 ) XXXX XXXX this account is showing that it's charged off for the amount of {$5000.00} I received a 1099c to filed this as earned income this item need to be removed from my Consumer Report Item ( 3 ) XXXX XXXX this account is showing that it's been charged off for the amount of {$12000.00} this account was paid in full remove this account for inaccurate reporting.

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 2021-11-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express offered me a 0 % APR for purchases from XX/XX/XXXX through XX/XX/XXXX. I paid my bill in full for any charges before the promotional date started and have paid more than my minimum payment since then. I keep being charged interest each month. Each time I chat with American Express, I am given different reasons and excuses. None of which match the agreement terms I accepted that Amex offered me. I have the details of the deal from Amex in an email. What they are doing is very misleading and I believe violates Fair Credit Billing Act. They kept trying to tell me different dates of why I was being charged, each of which I was able to prove wrong. Then, I was finally able to get in touch with a manager, he explained that I paid all charges prior to the start of the promo APR. I even paid over the amount due to pay some towards what I am using the promo offer for. The manager said they apply the payment how they see fit and applied part of it to my charges before the promo period and applied the majority of it towards my 0 % promo charges. This is unacceptable and I believe it is fraud and misleading business practices. I have attached the recent chats with them which shows part of the misleading answers their employees were giving me, but I don't have access to the previous messages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
I have registered both my cellphone and business line on the DNC List making sure that I was not contacted by my debt collectors as I am working to remedy my status with all debt. Navy Federal has not acknowledged my listing on the DNC and continue to call me daily even after registry. This is not right. I am seeking resolution and protection from unfair debt collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08 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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation