vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, Specialized Loan Servicing ( SLS ) sent an Escrow Account Disclosure Statement, notifying me that my escrow account would have a shortage of {$21.00}. The statement specifically stated the following : Since there is a shortage in your account, a payment coupon is attached to the bottom of this statement if you choose to pay the shortage in full in a lump sum. If you do not wish to utilize this coupon, we will adjust your payment to make up the difference. 

I elected not to pay the shortage in a lump sum and began paying the new monthly payment of {$2300.00} that went into effect on XX/XX/XXXX. 

Rather than properly applying my {$2300.00} XX/XX/XXXX payment to principal and interest, SLS blatantly ignored their own letter and applied my payment to a suspense account so they could continue to charge me interest on the higher principal balance. I also received a notice from XXXX XXXX   that my credit score had recently suffered a significant decline. When I researched the cause of this decline, it resulted from SLS falsely reporting my mortgage payment being 30 late. Their false reporting to XXXX caused a 57 point decrease to my credit score! 

Ive provided copies of all relevant documentation for your review. This isnt the first time Ive had problems with SLSs incompetence and outright fraud. One year ago, SLS threatened foreclosure action against me, ignoring that fact that my loan was in an approved forbearance agreement that had been granted by XXXX XXXX since my principal residence was located in a Federally declared disaster area and their threat of foreclosure was illegal! 

The actions of this company are downright criminal! They should be banned from the mortgage serving business! Their actions and behavior are as criminal as XXXX when they were servicing student loans! I encourage you to XXXX this companys name and see the THOUSANDS of complaints and lawsuits filed against them! They should be put out of business for good!!

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 2019-03-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my 3 credit bureaus ( XXXX, XXXX, TransUnion ) and found many unauthorized inquiries that I did not recognize. I am trying to close on a home and the creditors that made the unauthorized inquiries refuse to either investigate or remove them. Please help. This is destroying my credit.

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 2019-03-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was scammed making a payment in the amount of XXXX to a person using XXXX. I called my bank chase bank to be exact and they said they could not help me at all. Scanners name is XXXX and goes by the number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I secured an auto loan from USAA in XX/XX/2018. I was told the interest rate on the loan will be 4.27 % based on my credit report. I agreed on the terms and the documents were sent over the phone for me to sign. I had less than five minutes to sign the electronic documents because the loan officer was wating in the phone. I have made payments on the loan over a year with no missed payments but the amount is not decreasing. I called the bank to inquire and I was told the vehicle 's age and the amount changed the intrest rate to 8.25 % and there is nothing they can do because I should have read the fine prints before signing the contract. 
I was not informed about this change until two days ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMPQUA HOLDINGS CORPORATION
State: CA

Complaint narrative:
Account balance of {$2000.00} is locked up and not given access by the bank. It's been on hold since XX/XX/27 and phone calls have been futile. 

Requesting to escalate the issue goes nowhere and they ask to go into a branch XXXXmiles away from my residence and they are only open Mon-Fri for five hours a day during my working hours for which I can not leave nor take time off. 

I had initiated a bill pay check for {$2000.00} to my landlord, and UMPQUA issued and mailed out the check. But I am now informed the check bounced and now I'm being charged late fees and returned check fees. Why did they give the premise of available funds by sending out the check then? 

They also refuse to close my account and mail me a check for my funds per my request. The account was funded with an opening deposit from accounts in my name, the funds are rightfully mind and they have no right to hold onto the 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 2019-03-15 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I closed my CD with Synchrony bank on XXXX XXXX2019. I was  told funds will be transfer to my checking account electronically. I did not receive any money till today XXXX XXXX,2019. Customer service of this bank was very bad.The staff member of this bank had no respect for customer.

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 2019-03-15 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: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NY

Complaint narrative:
American Medical Collection is reporting a debt collection account on my XXXX credit report. That debt is not mine. I have contacted American Medical Collection over two months ago to remove it. They sent me a letter confirming that they will remove it from my credit report but unfortunately they never did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/19 : I tried to inquire and logged in to my account. On the /FREEZE page listed on the government site, I wanted to see if my prior freeze ( last month ) was still in place, because I had temporarily lifted it last month. 
The webpage will not tell me my status. I don't know if it is in effect, or temporarily frozen, or permanently frozen. If I go to the overview page, and if I click on a product they sell ( XXXX XXXX ), then that page says that my file is UNLOCKED and that it is LOCKED. 
Really? 
Other " devined '' clicks also lead to confusion on their website. See below. 
The contact number that the website gives is only available at certain times. 
The CHAT facility tells me that I must call to get my status.

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 2019-03-15 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
In XXXX of 2018 I missed a payment with my Citibank Credit Card. 
I lost my job last year and I have a family and a mortgage. I truly forgot to pay my bill. I did call and asked for help didn't get any help from the associate or the manager. It was a small amount of money also but I did pay it as soon as I could and I never missed a payment since even though I am still going through financial hardship.

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 2019-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
About the beginning of XXXX, my daughter XXXX started college about two or three weeks after she started school she lost her debit card which she reported lost as soon as she noticed it missing, later on, charges started to appear or XXXX 's account adding up to {$14000.00}. The following Saturday when I was getting ready to pay my bills I noticed there was no money in my checking account, tried contacting Chase customer service to get an explanation why my bills money was no in my account, but all I got was a name and a phone number and when I called the number they provided got no answer and had to leave a message. The following Monday tried calling the number again and left another message. When I finally got a call back from the Chase person all he did was accuse me of stealing the {$140000.00} and told me if I did not pay this funds by XX/XX/2018, Chase was going to take everything I had even my retirement funds. I just told him I did not know what he was talking about, but he proceeded to treat me like a thief and assuming XXXX took this funds and we had to pay Chase back for it. I was very scared and still am because of all the threatening the Chase person said to me. I would like Chase to clear my record because I have never stolen anything from anybody I am a proud honest poor single mother who lives paycheck to paycheck and did not steal their money and neither did XXXX. This year I am working very hard to purchase my home, but the Chase person also said they are going to mess up my credit and I think this is not fair. It makes me wonder how Chase allowed someone to withdraw {$14000.00} from a high school account that never had more than {$300.00} balance in it. During all of this time, I kept receiving letters from Chase stating the account was close, but the charges kept showing. Also allow me to point out all of the transactions happened in XXXX, NY and we are in XXXX NY. I can provide documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: NY

Complaint narrative:
XXXX XXXX XXXX is reporting a debt collection account on my TU credit report. That debt is not mine. I have contacted XXXX XXXX XXXX over two months ago to remove it. They sent me a letter confirming that they will remove it from my credit report but unfortunately they never did.

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 2019-03-15 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am trying to close on a home and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

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 2019-03-15 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: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I am trying to close on a home and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am trying to close on a home and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

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 2019-03-15 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: BANCORPSOUTH BANK
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Innovis
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: CORELOGIC INC
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

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 2019-03-15 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Credit Plus Inc
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Genesis Credit Management, LLC
State: WA

Complaint narrative:
I received a notice from XXXX that a new collection appeared on my Credit Report from Genesis Credit Management. This is the third time it was sold to a different collection agency because the other two had no information to properly validate the debt, so they changed the dates and the account number and sold it to another unsuspecting debt collection agency. It's been to XXXX XXXX XXXX, XXXX XXXX XXXX and now Genesis Credit Management. 

Genesis did not send me the proper notification before it reported on my credit report. The day I was notified that it reported on my credit, I sent Genesis a request for validation and I disputed the account with all 3 credit bureaus. 

Genesis " verified '' the information with all 3 credit bureaus before responding to my request for validation. 

I received a response to my Validation Request on XX/XX/2019. They sent a letter claiming that I owe them a debt and attached was a one page, half computer generated, half handwritten report that did not include my name, birthday, address or any identifying information. It also did not include the name, address or contact information of the " original creditor '' - leading me to believe this company is blatantly committing fraud and willfully non compliant with laws that govern their compliance. 

They also did not prove that they own the debt, that the debt was valid. But, in their invoice, they added {$2000.00} in collection fees/interest - which is not legal unless they can furnish the original contract that states there will be interest and collection fees. 

This company is practicing Illegal Debt Collection Practices, hiding under the guise of different names & DBA 's to trick consumers and prosecutors. Please refer this to the FTC and  Attorney General to investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: Credit Technologies, Inc.
State: TX

Complaint narrative:
I am trying to close on a home, and I checked my personal credit report on XX/XX/2019 and I noticed many unauthorized hard inquiries had been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15 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: HI

Complaint narrative:
Good evening, none of the choices actually matches my problem. I checked my credit report on Experian 's website on Thursday, XXXX XX/XX/XXXX and noticed that my score had decreased by 17 points and I have no idea as to why. On XXXX XX/XX/XXXX my score was XXXX and today it's XXXX. I haven't had any late payments or anything of that sort so I sent a message via chat and spoke to XXXX unsuccessfully. He couldn't see anything besides something that happened in XXXX so that shouldn't have any affects on it. If you look at my record, you will see that my record and debt to ratio etc. is great. I'm just trying to get an understanding as to what has taken place. Being in the military, I take my credit and finances quite serious because these things affects security clearances and ultimately your career. Thanks in advance for looking into this. My ID # is XXXX V/r, Mr. 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