vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
I recently pulled all three of my credit reports, XXXX XXXX and XXXX. After reviewing them I noticed a collection account in the amount of {$570.00}. I am not sure how this has come about. The company listed name is Jefferson capital. I have never had any business dealings with this company whatsoever. I have also disputed this account several times and continued to get automated email responses stating that the account is accurate and will continue to report as such. I have requested for the company to send real verified documentation showing that I am responsible for the bill, but they have yet to do so. I am working full time and I am also in the process of trying to purchase a new car but my credit score has been severely impacted in a negative way due to the inaccurate collection that is listed on my report. Please remove this negative item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX sold my loan to Select Portfolio Services ( SPS ) almost 1 year ago. On XX/XX/2020 ( not exactly sure which day ) I called SPS inquiring to a FORBEARANCE on our existing mortgage. I asked if the Forbearance would allow for the entire payment ( PITI ) to be added onto the back of the loan. The representative said that the Principle and Interest would be but not the Taxes and Insurance. Thus, I said that I'd make the Taxes and Insurance payment. The representative said a letter would go out in a week offering you options. That " letter '' arrived on XX/XX/2020 and dated XX/XX/2020. Attached is the letter. I'm so sick to my stomach because SPS is seeking to profit from this horrible virus circumstance. They are offering my wife and me 90 day Forbearance ( from XXXX, XXXX and XXXX ) with a BALLOON PAYMENT DUE XX/XX/2020. My PITI monthly payment is {$2000.00}. Let 's multiple that by 3 months or {$6100.00}. Let 's add {$2000.00} due XX/XX/2020. Total {$8200.00}. Now, they want to charge me after 90 days a balloon payment of {$9500.00} ( see pay 2 TERMS ). If there was EVER a time when the CONSUMER FINANCIAL PROTECTION BUREAU NEEDED TO STEP IN, IT'S NOW. MY LOAN # IS 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 2020-04-01 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: CA

Complaint narrative:
The dates reported are completely incorrect by years. This debt was from 2014.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The dates reported are completely incorrect by years. This debt was from 2014.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NV

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I was behind on payments for my mortgage and my credit cards. I borrowed some money from friends to help pay my mortgage and once the money was deposited Navy Federal took the money and applied it to my credit card. I called and told them that the money that was deposited in my checking account was to help pay for my mortgage not my credit card and asked them to apply the funds to my mortgage. They refused to and said they have the right to apply any money in my account to the debt of their choice and that I agreed to that when getting a credit card with them. This left me still behind on my mortgage and about {$400.00} of my money going to an inactive credit card that is closed. I would like my money transferred to my mortgage as it was intended to be or refunded back to me. Paying my mortgage and keeping a roof over me and my children 's head is more important than a closed credit card account. I feel navy federal is participating in unfair debt collecting. Even after taking my money and applying it to an account that I told them not to they never even sent me a receipt or payment confirmation or any proof of where my money went or any remaining balance. They just took it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My names are incorrect on my credit profile. There are also inquiries that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I started calling Chase bank, the company that holds my mortgage, on XX/XX/XXXX and continued calling the XXXX and XXXX. on all three days my call was dropped after 3 1/2 hours or with a message that the call center was closed. I spent 9 hours trying to talk to a representative concerning my mortgage. I left a message on the company 's secure message page and after 2 days I have not received an answer to my request. 
I have been out of work for two weeks and my employer has informed me that the work stoppage will continue through the end of XXXX. 
I have written a request to defer a few mortgage payments during this time. I am unable to reach a representative of the bank or get an answer of any kind. 
I hereby submit a complaint against Chase bank not fulfilling their part in the federal government 's statement to help in these times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My names are incorrect on my credit profile. There are also inquiries that I did not authorize.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NV

Complaint narrative:
My names are incorrect on my credit profile. There are also inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
This is absolutely ridiculous with the account type I have I was told checks are free I called customer service to order they give me a hard time and want to charge me they claim that Im supposed to be charged such misleading information and online it says beyond checking is free checks even at the branch I was told I can order by phone they refuse and want to transfer me to XXXX XXXX I dont understand them I want {$50.00} for the inconvenience they caused me and lack of proper information

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Millco Management
State: GA

Complaint narrative:
Requested Debt Validation on XX/XX/2020, from Ameri Financial Sol, which I requested a list of extensive documentation that gave the company the legal right to inquiry about this debt and place this so called debt on my credit report. Listed below and document attached below I've requested the follow : " Please attach a copy of the agreement with your client that grants Ameri financial Solution the authority to collect this alleged debt.

Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.

Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.

Please attach copies of all statements while this account was open.

Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for Ameri financial Solution, in case legal action becomes necessary : You must return this completed form along with copies of all requestedinformation, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of this letter.

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the FDCPA. Please allow 30 days for processing after I receive this information back. '' Ameri Financial has failed to provide the necessary legal paperwork to prove that I am legally liable for the debt they are claiming I owe. Providing a billing statement does not legally give a collection agency the legal right to pursue collection. By federal law they must show proof that the consumer is legally responsible for the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
On or about XX/XX/XXXX I received a streamlined loan modification trial {$3200.00} from Bayview Loan Servicing. I successfully completely the 3 month trial by paying {$3200.00} before the due day XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. I was told not make another payment until I heard from the new service company Shellpoint because the Service rights were transferred XXXX.I made my XXXX payment on or XX/XX/XXXX to Bayview. 
I called Bayview they informed me that my modification trial was successfully completed and the new service company would continue with my modification which was 187 additional months. I received a welcome package and a statement saying make of about {$2200.00} to be paid XXXX XXXX. I called 6 times to inquire about my modification agreement and I didnt hear back from XXXX XXXX. I received a Notice of default dated XXXX XXXX and no modification. I called Bayview and the said everything was sent to XXXX XXXX and they would honor the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: On Q Financial
State: OR

Complaint narrative:
On Q Financial, Inc solicited me for a mortgage refinance. I worked with a loan officer named XXXX XXXX who provided me with a loan estimate. Based on the financial information presented in the estimate, I decided that the savings I would see each month in my monthly payment from the lower interest rate and lower PMI it would be worth my time, money, effort, and hit to my credit score. He quoted me a PMI of $ XXXX/month. I filled out the loan application and provided all of the requested documentation. While waiting for conditional approval of my loan, I started receiving email communications from a few other employees regarding my loan. A new loan officer had taken over my loan and I had learned that XXXX was no longer with the company. I then emailed my new loan officer, XXXX XXXX, to ask if it were possible that I might be eligible for a lower interest rate or pmi than I was quoted based on the fact that my appraisal came in XXXX higher than anticipated. He said he would look into it. His response was a closing disclosure that had a higher pmi and a higher loan amount. In discussing the disparities in cost between the loan estimate and the closing disclosure, XXXX told me that he could not figure out how XXXX came up with XXXX for the PMI. He concluded that he must have entered the number manually and that he shouldn't have done that. I explained that the only reason I decided to proceed with procuring the loan was because of the savings I was quoted. XXXX said that the best rate he could find me was XXXX. He said that he was pretty sure that his company was going to have to eat the cost of the difference. He also said that underwriting was still taking a look at it to get it fixed on my disclosure. After a few days had passed I got a phone call from a VP at On Q to tell me they could not honor the pmi I was quoted and that my only 2 options were to either accept the new loan terms or cancel. He said that he couldnt legally pay the difference of my pmi. 

I believe that he is trying to prey on my ignorance of financial laws and regulations. I don't believe that an increase in pmi is justified when I didn't ask for any loan adjustments and my appraisal actually came in higher than anticipated. I have a feeling that I was duped into pursuing this loan by being quoted numbers that would sway my decision. Please help, thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: HI

Complaint narrative:
Under the Covid-19 relief program for student loans, interest was to be waived for a certain period of time. When I called my servicer, they said even though i have Federal Stafford loans, which is what I applied for and received, the actual funds were provided by outside investors to the Federal Government. I didn't apply for, nor receive private loans, except for one small Grad Plus loan. All other loans are Federal loans. How can a borrower be penalized for the source of funds of his or her Federal loans? None of that was disclosed to me at time of application for my Federal loans. I would like all my interest waived for my Federal loans for the specified period of government relief. I only ask for what the relief program dictates ... .nothing more or nothing less

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
Credit bureau says account with XXXX XXXX is verified. Sent multiple rounds of dispute recently was told that my dispute was frivolous and they will not reinvestigate. I have contacted the collection agency requesting for debt to be validated multiple times and received no response ( see certified mail attachment ) however this account remains on my report and trans union specifically refuses to reinvestigate or remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
During Tuesday, XX/XX/XXXX and Wednesday, XX/XX/2020, I attempted to call Chase/Amazon to ask for the two months furlough on my credit card due to being positive with Covid-19 and the financial hardship. I stayed on the telephone ( XXXX ) for 3 hours and no one picked up the phone. I then established an account and attempted to leave a secure portal message but it only allowed certain messages to go through. Then my password suddenly no longer worked. 
It seems that Chase/Amazon Prime will not allow the consumers to request this assistance during this trying time. Also, a neighbor got my mail by mistake and had opened it. I noticed that Chase had placed the entire account number on the Statement which is illegal in some states including North Carolina. In the " Account Summary '' the entire account number is on the statement. 
This is a violation that needs to be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE 7 INQUIRES That where supposed to come off my acocunt with Experian One was from XXXX was supposed to be Removed in XX/XX/XXXX it was never removed. XXXX XXXX inq that was supposed to be removed in XX/XX/XXXX. XXXX XXXX Item was supposed to be removed int XX/XX/XXXX. XXXX XXXX  item was supposed to be removed XX/XX/XXXX, XXXX. and 2x XXXX  items where supposed to be removed in XX/XX/XXXX 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 2020-04-01 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX I am not a bank of america customer. I am as XXXX women looking for a home back in XX/XX/2019 I was on a website looking for home on a rental website. I got in contact by email by a Mr XXXX. Asking him about his home he has for rent I have never done this before and he convinced me that he would rent me his home he sent me rental agreement and everything looked legit. He said he would send me keys if I go to bank of america and deposite XXXX in to this account I did and never heard from him again I contacted police department filed a report and everything I contacted bank and they don't want to return my money.they said they couldn't get into account because it wasn't mine. I just want my money I need it for a place I been paying XXXX extra because of this monthly more a month. And it's almost been 10 months and still they don't want to refund my money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Credit bureau says account with XXXX XXXX is verified. Sent multiple rounds of dispute recently was told that my dispute was frivolous and they will not reinvestigate. I have contacted the collection agency requesting for debt to be validated multiple times and received no response ( see certified mail attachment ) however this account remains on my report and XXXX XXXX specifically refuses to reinvestigate or remove it.

Company response to consumer: Closed with explanation