vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX, my mortgage was transferred to BSI Financial Services. BSI is a mortgage servicer located in XXXX, Texas. As the mortgage servicer, they are responsible for paying my insurance and taxes. 

My insurance payment was due in XXXX and I had to navigate assisting BSI with paying the insurance. Unbeknownst to me, my property tax payment of {$3400.00} was also scheduled to be paid in XXXX. On XX/XX/XXXX I called BSI to inform them that they had not paid my property taxes for XXXX. I was told by a representative that they were behind with paying property taxes and it may take a couple weeks to make a payment. I was not satisfied with that answer so I called back, spoke to another representative who told me she would expedite my claim and my taxes " should be paid. '' I informed her that because the payment is late it has incurred interest and the balance is {$3500.00}. She informed me that the late payment fee would be incurred by BSI. On XX/XX/XXXX, I called to get an update on payment, I was informed by a representative that no payment has been made and he will send an email to the escrow department regarding non payment of my XXXX taxes. When I asked to speak to someone in escrow, I was told they don't speak to customers. I explained to the representative the seriousness of my taxes not being paid and as a result, a lien could be placed on my property. I was told all he can do is send the email. It should be noted that I have the money in my escrow account to pay the taxes. 

BSI is a company that has a reputation for acquiring mortgage loans and not paying insurance or taxes in a timely manner. As a result, the homeowner is left having to cover the penalties for late payment. In XXXX, BSI was sued for faulty handling of mortgages, insurance and tax payments. Unfortunately, they are still continuing with the mishandling of paying consumer bills in a timely fashion. As a result, the consumer is left to deal with the consequences of late or non payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I applied for a loan through XXXX. The loan was for {$2500.00}. I was told over the phone that I would be billed $ XXXXMonth on the XXXX of each day. On the XXXX of XXXX I was billed again for the same price ( {$240.00} ). I called the toll free number to dispute it but was told that I signed a contract to be billed bi/weekly for 18 months. I was never told this. I asked a couple of times to be sure that it was only one billing per month. There is no way I would have ever signed a contract for a {$2500.00} loan if I knew that I was going to have to repay them a total of {$8600.00} over 18 months!! I asked the gentleman if I could repay the {$2500.00} in one lump sum and avoid the penalty fees and he told me that wasn't an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ATG Credit, LLC
State: IL

Complaint narrative:
On XXXX ATG responded back to case # XXXX will a bill stating that they notified me, please look at the address on the bill it says XXXX XXXX XXXX XXXX I haven't lived there since XX/XX/21. My new address is XXXX XXXX XXXX XXXX, IL XXXX. So they never gave me a chance to responded and they bogusly placed this on my credit report without giving me an option to pay or settle if it's truly my debt, but a bill don't clarify that it's my debt. Where is my signature stating that it was me that received the medical attention. Then what they uploaded has a 0 balance. I'm confused as to why this is on my credit report at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: PA

Complaint narrative:
In XX/XX/2021 XXXX XXXX did not apply my payment. I have a letter from XXXX showing the money sent and XXXX XXXX failed to apply. I spoke with a XXXX XXXX employee in XXXX, XXXX, XXXX and XXXX to try to get this corrected. Each employee had diffrent responses to the issue. The one said I see we received your payment however you have a new loan number, i asked when did my loan number change, she was unable to tell me this and hung up on me. When i called back i was told the loan number did not change, that my late fees would be waived and XXXX would be applied. On XX/XX/XXXX i received a statement saying i was 45 days late on 2 payments, XXXX bank shows the XXXX payment was cashed XX/XX/XXXX, however it was not applied. Also for XXXX was not recorded. I have my payments go out automatically every month through XXXX bill pay, they send the payment by the 4th of the month every month, i have never missed a mortgage payment ever. Late fees are continuing to accrue, i pay {$1600.00} a month on a regular payment of XXXX, my funds are not being applied correctly to the additional principal payment. In addition i submitted a credit reporting error in which the servicing company rejected, now creating damage to my credit score. The bottom line of the issue is they never applied the XXXX payment which the representive confirmed that she saw it but was applied to a different loan number!

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had an account with both Bank of America and XXXX XXXX. My account with BankofAmerica was closed due to a false mobile deposit that I did not incur. I later realized I was HACKED of my main XXXX Account, which holds ALL of my personal pieces of information. In XXXX, I filed a police report, called XXXX major credit companies. I am still having problems with BankofAmerica for I can not open a Bank Account anywhere in my city where I receive Social Security XXXX, for over 5 years. I need to know what do I do next for I have not been receiving any responses. I have copies of each letter that was sent and received.

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 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: VA

Complaint narrative:
XX/XX/XXXX Notified by XXXX that a collection account was placed on my credit report by Spring Oaks Capital LLC - referencing that the collection account was opened in XX/XX/XXXX XX/XX/XXXX Sent certified letter to Spring Oaks Capital LLC advising that the debt was not mine, and that I was never notified or advised of the debt in XXXX or to the current day XX/XX/XXXX Received a letter from Spring Oaks Capital LLC XXXX XX/XX/XXXX - attaching a copy of a statement, as well as court documents showing a sale of debt - with multiple redactions. 

My name or information is not referenced in the court documents- nor is a credit card statement evidence of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: 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
Consumer complaint received 2022-03-01 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: 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 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 2022-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Timeline of Events : XX/XX/2021 : Resident sent letter to XXXX XXXX XXXX seeking extension to XX/XX/2021. 

XX/XX/2021 : Sent notice to XXXX XXXX XXXX property manager ( XXXX XXXX ) that extension no longer needed and would be vacating apartment on XX/XX/XXXX. This notice was acknowledged by property management. 

Received ledger from XXXX XXXX ( parent company ) and Move out statement from XXXX showing a balance owed of {$810.00} which was dated XX/XX/2021 NOTE both the ledger from XXXX and the Move-out statement from XXXX XXXX. 

Various Communication with XXXX, that finally ends with a Move-Out Statement from XXXX XXXX XXXX showing a ZERO Balance and an e-mail from property manager that says you are actually due a refund - XX/XX/2021 However XXXX XXXX ( parent company ) continues to say I owe the balance as the write-off was just at the property and not at the parent company level even though I have an e-mail from the property manager saying we were due a refund. 

Last communication with XXXX was in XX/XX/2021. I had assumed they finally accepted all the documentation I had provided and made their books ( ledgers ) match that of the property. However I received a call from Genesis today as, attempting to collect this fictitious debt. However the debt is question is not owed as evidenced from communications from the property itself. 

What further complicates this issue is the property has since been sold and all former property managers had quit or been fired by end of XX/XX/2021. 

I am seeking advice on how to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: Westlake Services, LLC
State: OH

Complaint narrative:
Western Funding is reporting a balance of {$9200.00} on my credit account for a vehicle that they picked up due to mechanical issues to repair. The vehicle was never returned to me fixed and I moved to another state. They have the account listed as a charge off. Ive disputed and disputed several times and they fail to remove it from 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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is the 3rd time I'm addressing this concern with Equifax. I recently submitted a complaint to the CFPB XXXXRegarding that Equifax will not release my credit information to XXXX XXXX and XXXX. The never addressed my concerns and closed the case. Here 's their response : Company 's Response Please be advised that there are many different credit scoring models and they are derived from mathematical formulas which are calculated from elements on the credit file. Information is reported to Equifax continually and the content of your credit file may change, which may impact your credit score depending on the model. No score is part of the credit file and therefore can not be disputed. Please also note that lenders have their own criteria for granting or denying a service or benefit based upon any particular score. Please contact your lenders directly in regards to your application for credit. 


They have an automated system responding to the complaints as they should be fined for this for wasting the CFPB and my time. 

Also I signed up for a membership with Equifax and it was supposed to be {$1.00}, but they charged me that twice. This company is a scammer and instead of them doing what they're suppose to do they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The BANK OF AMERICA account that is being furnished on my Credit Report is inaccurate and old. The account included in the bankruptcy are removed after seven years. Please investigate the date of this account being reported as a bankruptcy. I've already sent letters to both the Credit Bureaus and the furnisher without any successful resolution. Please provide me a copy of the legal documents and any proof to verify the account 's status. Otherwise, removal of the account should be highly recommended.

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 2022-03-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I am in the middle of a medical crisis, trying to determine whether or not to continue medical care due to overwelming burden of trying to get better while trying to save my house. 

Modification effort went on from XXXX. Mr Copper personnel have been negligent in performing their dutiies to offer a modification. A " fake '' modification was offered with high pressure applied to refinance. I did not ask to purchase a new product, just modify the current loan so I can afford my medical expenses. 

Was told that Mr. Cooper person assigned to my loan was a fake person " designed to make our efforts appear to be legitimate and in compliance with rules regarding loan modifications ''. It was for that reason phone calls were not returned! 

Mr. Cooper is an extremely predatory lender, one who sees escalated needs as a reason to elevate loan product sales. They are not interested in helping people, only in profiting from their misery. A listen to the phone recordings will render astonishingly disturbing results. 

I just want to save my house and get better. With Mr. Coopers help I can not foresee either.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-03-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX CT GA XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-03-01 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: Penn Credit Corporation
State: CT

Complaint narrative:
Penn Credit is reporting a fraudulent account on my credit. I dont know what this account is nor did I authorize anyone to open it on my behalf. I am requesting the immediated removal of Penn Credit from my credit. Please see the attached FTC report and my driver license.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: WA

Complaint narrative:
I applied for XXXX student loan forgiveness in XXXX, XXXX. On XX/XX/XXXX, I received a letter from FedLoan Servicing stating my application had been received. But when I call ( XXXX ) XXXX to check on the status, there is no record of my SSN or account number. I have to wait about two hours to talk to someone only to be told they have to route me to the " correct department ''. Then I get disconnected every single time. I have called on the following dates : - XX/XX/XXXX - XX/XX/XXXX- XX/XX/XXXX - XX/XX/XXXX The letter says it can take XXXX to 120 days to process my application, but that is unreasonably too long considering everything is done through electronic interfacing. If nothing else, the system should still recognize my SSN or account number, otherwise I would not have received a letter confirming application receipt. 

I believe FedLoan Servicing, like several other student loan servicers, are engaging in fraud. They are billing the government for services they are not actually providing to borrowers and they make it impossible to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: GA

Complaint narrative:
Transunion CLEARLY did not perform a proper investigation of the account XXXX XXXX XXXX ( account # XXXX ) and sent me a copy of my credit report claiming the account was verified as accurate and updated. 

The account balance on Transunion reads {$3400.00}, XXXX reports the balance as {$3400.00}, and XXXX reports the balance as {$3100.00}. 

All of these amounts can not be correct. According to Metro 2 standards all reporting must be 100 % accurate. 

Your company clearly did not do a thorough investigation to make sure the information you were reporting is correct. 

This is my final attempt to rectify this situation. Failure to comply will lead to your willful non-compliance violation of my consumer rights.

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 2022-03-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a HARD INQUIRY REMOVAL request. There are 9 unauthorized inquiries that need to be removed from my equifax report. I have sent in multiple letters and complaints. 
Dates : XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20 XX/XX/20

Company response to consumer: Closed with explanation