vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-24 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: WI

Complaint narrative:
I paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: WI

Complaint narrative:
I paid this account back in 2015. It was suppose to be a pay for deletion account off my credit report. Since then, I have disputed and wrote letters to have it removed. The account was paid in full and it still remains on my credit report. Please remove from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Respected Officials, I made a stop payment on 2 cheques received by postal mail from XXXX. Those cheques were sent by me from my account in wellsfargo. 

Date when cheques returned XXXX XXXX. 

Date when stop payment was made XXXX XXXX. 

Date when payments was rescheduled XX/XX/21 XXXX XXXX XXXX {$80.00} XX/XX/21 XXXX EditDelete XX/XX/21 XXXX XXXX XXXX {$50.00} XX/XX/21 XXXX EditDelete Normally wellsfargo provides credit to stop payment requests within one day. 

However, in this instance, on the basis that they have been crediting the account within a day, I had rescheduled bill payment to XXXX to return those cheques. 

However, wellsfargo chose to send bill payments but didnt credit the stop payment request I made. This resulted in overdraw on 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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
Our mortgage servicer is SLS. Last XXXX we asked for payments deferred during the pandemic. We were granted XXXX through XX/XX/XXXX. During this time we elected to keep up with the escrow so we voluntarily paid the taxes and insurance to SLS during this time. We did not want a higher payment when we came out of this.

Although our 5 escrow payments cleared our escrow was not credited. In XX/XX/XXXX we began to make principal, interest, and escrow payments. 

I will download proof of 5 p and I payments deferred which matches our records. 

The escrow balance shows a negative XXXX which will also appear as a positive XXXX in the suspense account. 

The correct is escrow is XXXX which is XXXX per month with a total payment with p and I of XXXX We have now received a 2nd notice of default. with a notice of intent to foreclose. The default letter shows no payment for XXXX although a payment cleared XXXX. 

Another unresolved matter is adding force placed coverage in XXXX for {$2000.00}. This should also be credited. In XXXX an insurance premium was paid and the agency it was sent to did not send it to the insurance company. We moved to another agency in XXXX of that year and SLS was put on notice of the new coverage that was in force. On XX/XX/XXXX SLS paid for forced coverage that was not needed and also paid the new agency. ( Please see the attached ) Since we had coverage and there was no lapse the {$2000.00} should be credited to our account. 

I have also attached the 45 day notice of intent to foreclose.

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 2021-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: M. G. Credit, Inc.
State: FL

Complaint narrative:
MG Credit has damaged me being NEGLIGENT AND UNFAIR. This company has committed the following damages {$9500.00} : failure to get mortgage, paying higher rates on loans, failure to secure funding, psychological hardship and suffering through loss of sleep and anxiety. 

Account information below : Account number : XXXX. 
Date Opened : XX/XX/2016 Original amount : {$690.00} I have made my research and MG Credit company is committing multiple violations to the CCRA. Please read them carefully. I need you to take this matter seriously : Failure to provide notice of collection insertion. 
Misrepresentation of facts. 
Failure to mark account as disputed. 
Bill was contested and disputed which he did not incur, there was no contractual basis for debt. 
Negligence. 
Unfair business practices. 

Because all the damages and violations that I have suffered, I demand to get the account removed from my records as soon as possible. 

Please send the attached documentation to the company. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Aspen Yo LLC
State: MA

Complaint narrative:
My mortgage is with Gregory funding previously to them XXXX XXXX had the loan and I guess Gregory funding got of hold of it ever since Gregory funding has had my mortgage I have had fees after fees my payments have gone up drastically to a point that its out of control also Ive tried to get help and they have not given me any options like a loan modification or try to restructure my payments noting and now Im afraid of loosing my home after 20 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am a victim of identity theft. 
In early XXXX, 2020 I learned that my personal information was fraudulently used in attempting to open bank and credit accounts, without my knowledge and permission. 
One of these banks, after acknowledging the problem, provided me with a complementary, 3-agency extended fraud alert. 
Since then, I have been successful in creating online accounts with XXXX and XXXX, so that I am able to monitor activities and look for illegal attempts by identity thieves. 
In contrast, when I try to do the same with Experian, the system fails to correctly authenticate my identity : almost all authentication questions do not apply to me. Upon failing, they provide a phone number ( XXXX ) to contact. As soon as I call, the automated voice asks for my Social Security Number, which I provide obediently. The voice then says I did not get that. And the same cycle repeats. There is no option/route to reach a human being to resolve the problem. I have tried this approach dozens of times since XXXX, with no success. 
I request that Experian correctly authenticate my identity, so that I can access my online 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 non-monetary relief
Consumer complaint received 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sold my house, and the loan ( with Dovenmuehle Mortgage XXXX Inc ) was fully paid off on XX/XX/XXXX. On XX/XX/XXXX, Dovenmuehle Mortgage sent my escrow refund check of {$2000.00} to the address of the property I had just sold, so I did not receive it in the mail. I called Dovenmuehle Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When I spoke to the representative on XX/XX/XXXX, they told me the check would need to be reissued, and this process would take up to 30 days. On XX/XX/XXXX, I called to follow up, and they said nothing had been done, but they would start the process now of reissuing the check. On XX/XX/XXXX, I was told there had been a hold up with the check, but it would be rushed to be mailed out. On XX/XX/XXXX, I was told that no check had been sent but that one would be reissued. On XX/XX/XXXX, I was told that the check was in the process of being mailed out, but being that it takes 30 days, it would be another couple of weeks. I called on XX/XX/XXXX and was told again that it was still in the 30-day process and would be in my possession soon. On XX/XX/XXXX, I called to follow up, and I was told that none of this was true, and a check was actually reissued on XX/XX/XXXX. I never received anything in the mail, and each supervisor I spoke to before XX/XX/XXXX had said a new check was not reissued on XX/XX/XXXX. On XX/XX/XXXX, the supervisor said the check would be reissued again, but I have been told this several times at this point. There have been many discrepancies between what I've been told by each supervisor. 

It has been months, and no progress has been made. I have called numerous times, spoken to numerous supervisors, and I still have not received my escrow refund check. Dovenmuehle Mortgage , Inc has well passed any deadline to reissue my escrow refund in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
on XX/XX/XXXX I took out a loan for a mobile home ( XXXX XXXX XXXX. XXXX XXXX, NJ XXXX with XXXX XXXXXX/XX/XXXX of XXXX, ME. ( account # XXXX XXXX the loan was paid in full in XXXX. I do not have a Title or Lein Release. I am now trying to sell the mobile home but can not because I do not have a copy of the Title. NJ will not issue the Title with out a Lein Release Letter from XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX became XXXX sometime around XXXX and in XXXX became TD Bank. I contacted TD Bank back on XX/XX/XXXX to get a copy of the letter but they can not find any records of the loan I have been going back and forth with their archive department and will not send me a release. NJ Motor Vehicles recomended I contact NJ XX/XX/XXXX They informed me they do not regulate TD Bank and forwarded me to the OCC which opened Case # XXXX and are requesting additional info. It was also suggested a complaint with CFPB so here I am. 
I am stuck paying monthly Association fees & Utilities until I see my mobile Home which I can not do until I have a title, to date I have had to pay over {$3000.00} out of pocket. 

Please help or tell m how to resolve my issue, everybody sends in circles. The loan has been paid off for about 18 years, nobody claims I owe them money for the property but I can't seel it because I don't have a title. 

Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is 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 response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made an international wire transfer with CHASE wire transfer to XXXX, the convertion was correct and they even charged me a fee, after the transfer was effective the school i was applying to informed me that they only received XXXX euros instead of the XXXX euros required. I then called Customer Service and spoke with XXXX, XXXX, XXXX and XXXX, THEY FAILED TO inform why this happenes i particularly asked if it was because of a fee from the recipient bank or if it was an error they were unable to respond to my questions. Lastly XXXX sent me online to inquiry about the transaction to get me out of the line. 

I submitted the inquiry and received no response, this is a clear show of lack of transparency when doing bussiness. I ended up submitting a new transaction with a new fee for more money to complete the XXXX euros the university was requiring as payment. 


I am demanding a response and if this is a fee from the recipient bank i need to know what is that fee to make my future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CURO Intermediate Holdings
State: FL

Complaint narrative:
IN 2010 " PAYDAY LOANS '' IN THE STATE OF ARIZONA WERE DEEMED ILLEGAL. " SPEEDY CASH '' ( A PAYDAY LOAN COMPANY ) OPENED AND CREATED '' ILLEGAL CONTRACT '' UNDER THE STATE LAWS. 

SPEEDY CASH THEN " SOLD '' ILLEGAL CONTRACT TO " AD ASTRA RECOVERY '' TO COLLECT PROCEEDS OF ILLEGALLY OPENED CONTRACT. 

AD ASTRA IS NOW ATTEMPTING TO COLLECT FUNDS FROM THE " ILLEGALLY ESTABLISHED CONTRACT ''. 

" SPEEDY CASH '' OR " AD ASTRA '' ARE NOT ENTITLED TO COLLECT FUNDS FROM ILLEGAL CONTRACT THAT SPEEDY CASH KNOWINGLY ESTABLISHED. 

" AD ASTRA HAS NOW ENTERED THEIR ATTEMPT TO COLLECT " ILLEGAL CONTRACT MONIES '' AND HAVE PLACED A DERRAGATORY MARK ON MY CREDIT REPORT ... THUS AFFECTING MY CREDIT SCORE NEGATIVELY AND IS PRESENTING AN OBSTACLE IN MY ATTEMPT TO REPAIR/CLEAN/ESTABLISH MY CREDIT SO-AS TO BE ABLE TO GET A MORTGAGE APPROVED IN MY NAME AND BUY A HOME FOR MY WIFE AND I. 

I HAVE DISPUTED ITEM WITH CREDIT BUREAU 'S, AND AD-ASTRA HAS UTILIZED TACTICS SO AS TO KEEP DISPUTED TRANSACTION ON MY CREDIT FILE ... .LIKE " REMOVING FILE FROM CTEDIT REPORT ... RAISING AND LOWERING DEBT AMOUNT BY {$1.00} ... THEN RESUBMITTING DEBT AS A " CHANGE IN BALANCE '' ON EXISTING FILE. 

THE COLLECTION AMOUNT THEN SHOWS UP BACK ON MY CREDIT REPORT, WHICH I AM THEN TOLD I HAVE TO " RESUBMIT DISPUTE '' BASICALLY STARTING ME BACK AT SQUARE ONE AND DISPUTE NOT RESOLVED. 

DIRTY TACTICS CREDIT BUREAUS ALLOW THEM TO GET AWAY WITH AT CONSUMERS EXPENSES. 

I WANT COMPLAINT FILED ... AND THIS REMOVED FROM ALL CREDIT BUREAUS AS IN THE STATE OF ARIZONA ... THIS TYPE OF TRANSACTION IS DEEMED " PREDATORY AND ILLEGAL '' AD-ASTRA IS THE DEBT COLLECTOR RESPONSIBLE FOR CREDIT REPORT FILING AND THEY NEED TO ADDRESS AND FIX THIS ATTEMPT TO COLLECT AN ILLEGAL DEBT ON AN ILLEGAL CONTRACT. 

https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: CITIBANK, N.A.
State: VA

Complaint narrative:
Macy 's is lying. They say that I did not receive mail notifying me about my late payments because the wrong address was on file. While it is true that my current living address has changed my old living address was being forwarded to my parents house in the interim. They only received one mail and that was simply to notify me that my account had been closed due to late payments. That was on XXXX. I never received mail in XXXX, XXXX nor XXXX ever at all from them. They are flat out lying. I was under the impression that I paid this account in their store after failing to get a hold of a phone agent after she hung up on me after an hour long hold. Not once was I ever notified nor did Macy 's make any effort to notify me of any late payments.

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 2021-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: DOUGLAS, KNIGHT & ASSOCIATES, INC.
State: NC

Complaint narrative:
XXXX XXXX from Douglas, Knights & Associates sent me a letter on XX/XX/XXXX informing me of a claim for XXXX that they were trying to collect for XXXX involving an accident on XX/XX/XXXX that I wasn't involved in, on a vehicle not insured by me or registered to me. 

In addition, On XX/XX/XXXX, XXXX sent an email to my ex-husband and attached a suspension notice that she filed with the DMV to have my license suspended. He forwarded me the email but not the notice. 

On XX/XX/XXXX, I called XXXX XXXX to get a better understanding of the claim and she proceeded to yell at me saying she hated people like me who shirked their responsibility and didn't pay their debts. She said they were a law office and that they would have my driver 's license suspended if I didn't pay. I said I only wanted to get information and she said if I wanted information I should hire a lawyer. I asked to speak with her supervisor and she hung up on me. 

She continued to forward our correspondence to my ex-husband who also cooperated by threatening me to get me to pay this claim. On XX/XX/XXXX I sent XXXX a letter telling her to stop contacting me until she had proof that I was responsible for the debt. 

On XX/XX/XXXX, My ex-husband informed me I would be receiving an email from XXXX telling me my license would be suspended and he attached an email from XXXX with a letter from her to the DMV requesting that my license be suspended. I received the same email from XXXX and asked her why she was forwarding our correspondence to my ex-husband. She said I should have my attorney contact her. I told her I wasn't retaining an attorney and wanted to know why she was sharing our communication with my ex-husband, no reply. 

The letter sent to DMV misrepresented the claim and said that I was driving an uninsured vehicle. Again, I was not driving the vehicle and wasn't anywhere near the accident at the time it occurred. I asked them to please correct that statement with the DMV and they didn't respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect late payments as well as unverified charge-offs with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. And now, here it is 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 2021-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
There is incorrect information regarding our tax payments for our escrow account. Money is being deducted from our account that is not applied to our tax balance. They have made late payments for county taxes after I submitted correct information 90 days prior to due date and it was still paid late and the late penalty assessed to me. When I call for updates, they say they are researching and waiting for my county to respond, but the county has responded to them and nothing has been done. They are being very difficult and charging all these fees against my account. I am concerned I will not be reimbursed for these unnecessary charges and am getting nowhere with customer service after several months of trying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24 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: NJ

Complaint narrative:
I've been disputing fraud account on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The account is showing in dispute nor is it removed from my report. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the account to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred.

Company response to consumer: Closed with explanation