vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Refinanced two loans recently, all went well until it was transferred to Specialized Loan Servicing.

The have serviced my account for almost ~4 months and only gave me one call, to inform me I had not paid my mortgage. However they had not sent out any paperwork to me, informing me of where/how/when to pay. Upon inspecting the bill, I noticed they did not have any escrow set up for taxes and insurance - which was something we asked for specifically. Attempted to call them, which leads to no answer after a mandatory ~8 minutes robot prompt maze, then a statement saying you will be called within 72 hours.

After completing this processes multiple times over the course of two weeks, I finally got a call back. This person stated we will be all set up and not to worry. Escrow is set up and we will be fine to not worry about taxes or insurance. Awesome, right? Nope. 

I've now received a call from my insurance company that my payment has lapsed and I have no insurance. Calling SLS, after going through all the prompts and waiting for a call back -- I'm told " oh we only set it up for one of your accounts two months ago, but it isn't done yet. you should call a different department, the escrow one ''. Call escrow department, " no sorry, we won't pay your insurance you have no escrow, you need to call back the people you just spoke with ''. Get a call back from them a few hours later " no we can't do anything, but I asked escrow to set up your escrow. '' Now I've paid my insurance, and my late fee. However the company has yet to call back or email back about what has happened, or if my accounts are promptly set up. When I call, it still states that my phone number belongs to an account " we have no transferred yet ''. 

After chatting with the latest customer representative - they said I now need to email XXXX and ask them for an answer, because no one who answers a phone will know. I also need to re-explain everything to them, as they don't have access to my account information or any ticketing systems, and they " may '' do something. This was seven business days ago at this point - and no reply, not even an automated one has been sent.

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 2020-07-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/XXXX, I identified a discrepancy with account listed under Phoenix Financial Services. I requested a validation on XX/XX/XXXX as this medical account has been paid for by XXXX. Credit report was reviewed again on XX/XX/XXXX and a 2nd validation letter was sent to the agency and attempts to call and provide XXXX  information again was made but unsuccessful. On XX/XX/XXXX credit report was pulled again and the account is still reflecting on my report despite multiple attempts to clear the discrepancy and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by my insurance and that all information is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I was contacted in XX/XX/XXXX by a debt collector and made aware of a loan fraudulently opened with my identity with a Nissan dealership in XXXX, CA in XX/XX/XXXX. I did not have sufficient credit to obtain a loan at that time. I do not understand how someone purchased a vehicle without proper identification or documentation such as social security card, employment pay stubs, etc. I filed a police report and have tried numerous times to get information on who the salesmen was and who the finance officer was that approved this loan without proper identification with no success. The dealership will no cooperate nor give my any info or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: UT

Complaint narrative:
Account Number : XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX. On XX/XX/2020, I paid off my mortgage to PHH Mortgage Services. However, they did not recognize my pay off until XX/XX/2020. In the meantime they were billing me for another payment. After, and only after filing a complaint with CFPB did the company respond and fix the problem. Now they will not release their lien on the property. One of their letters stated that it may take up to six months to release  it. So, I contact the XXXX XXXX County Recorder to find out if they were back logged on recording mortgage lien releases. They informed me that they were not and that the delay was with PHH. So, I contacted PHH again, who informed me that it would take up to 30 days from XX/XX/2020 " for the release to be completed and submitted to send the SATISFACTION DOCUMENT to the County for recording. '' Interestingly, the date of their letter was  XX/XX/2020, which was already more than 30 days. I have contacted the XXXX XXXX XXXX recorder three times ( the last time today XXXX ) and was informed that they have not received any documentation from PHH to release the lien on my property. As always, there is no sense of urgency until one files a complaint against them. All I want to do is clear this lien. I was a perfect customer. Not once was I late on my payments. Many times my payment was paid early. I truly appreciate your help in the past and have confidence that you can help me again. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: LA

Complaint narrative:
In XX/XX/2020, I made three transfers totaling {$4000.00} to Coinbase. I took positions in 3 virtual currencies. On XX/XX/2020, I requested that my account be liquidated and the funds transferred back to me. I estimate that the value of my account on the day of my request to be {$3200.00}. I have contacted Coinbase on two occasions and was told my request would take five, possibly more, business days to process my request. I have yet to receive any funds, nor has it been explained why my funds are being withheld. I hope you can help me get my money. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently sent a letter over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im stressed and have been sending letters before this and still I response.

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 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
I went to my local bank branch at US bank in XXXX on XXXX XXXX., I used the ATM drive through to deposit {$500.00}, the ATM pulled all the money in but then shot it right back out but only shooting out {$400.00} and not the {$500.00} I initially put in, so it kept {$100.00}, even the employee I spoke with after the incident stated she saw this on her computer, she saw the error! but I still had to file a claim she could not do anything in the moment to resolve this. So I filed the claim, waited 10 business days to find that the bank was denying my claim! How can they deny a claim when their actual employee saw the error herself in their bank computer system! So someone has my {$100.00} whether it is the bank employees or the ATM people that pick up the cash. This is not okay, I would like an actual full investigation into the ATM itself the ATM employee and whomever handles the cash in that ATM, someone should be held liable for stealing my {$100.00} and it should not be me!

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 2020-07-23 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: Nelnet, Inc.
State: VA

Complaint narrative:
Firstmark is reporting a balance and past due amount & collection account status every month for an account that was included in bankruptcy in XX/XX/2019 & discharged on XX/XX/2019. I have disputed multiple times, and to date the account has been removed from the other bureaus but still remains on XXXX. The account should have been updated on all of my credit reports to show a XXXX balance when I filed bankruptcy & then should have stopped reporting collection account status & a past due balance. No further activity should be reported on the account after that. 

I do not agree that I owe this debt & nothing in this correspondence is an acknowledgement of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a complaint against Suntrust by Truit banking institution. I recently opened an account with {$100.00} cash at the XXXX XXXX in XXXX Florida XXXX on XX/XX/2020. The address for that location is XXXX XXXX XXXX, XXXX Florida, XXXX. I am a current claimant of unemployment by the DEO ( Department Of Economic Opportunity ) I have since deposited 4 checks into my Suntrust account in which the funds were cleared and made available. The check amounts are as listed 1. {$600.00} ( mobile deposit check )  on XX/XX/2020 XXXX. {$2700.00} ( mobile deposit check ) On XX/XX/2020 XXXX. {$1000.00} ( mobile deposit check ) On XX/XX/2020 4. {$1000.00} ( mobile deposit check ) on XX/XX/2020 5. {$200.00} ( direct deposit from DEO ) on XX/XX/2020 DIRECTLY FROM DEO 6. {$100.00} ( cash deposit to open account ) on XX/XX/2020 My account was frozen without warning or my knowledge. No reason has been provided for the funds being on hold. Ive spoken to XXXX team members, managers, and other associates from Suntrust to no avail. The checks are made out to XXXX XXXX and yet the bank is refusing to release the freeze on the account as well as release the funds. Theyre insisting that I provide a letter from the DEO stating that the funds in the account are meant for me. Ive provided check stubs, a letter of eligibility and have gone as far as having an investigator from the DEO on a conference call to provide any and all closure needed to verify my identity as well as any payments made into my account and claim. Im filing this complaint because I not only feel discriminated against as an XXXX XXXX client, but I also feel neglected and violated with no possible explanation on why Im experiencing such hardship with this financial institution. Im demanding that my funds be released to me then I will more than gladly terminate the relationship with myself and Suntrust bank. 

Thank you

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 2020-07-23 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:
I found accounts on my credit record I never did this is a fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
his letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file I demand that the following accounts be verified or removed immediately failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: WI

Complaint narrative:
In XXXX through XXXX, we had significant medical and credit card debt incurred, as well as income lost for 33 months between XX/XX/XXXX and XX/XX/XXXX. 
In XXXX, two separate judgments were entered against me for credit card debts. 
In the last quarter of XXXX, I proactively reached out to settle the debts using financial help from a family member. 
We were attempting to settle both debts at the same time in order to clear our credit completely. We had significant difficulty with one of the companies, but we received an offer from another. 
The company we received an offer from was Crown Asset Management, represented by XXXX XXXX in XXXX WI However, the other debt collector rejected their original offer and refused to renegotiate due to a misunderstanding on their end, just 24 hours before funding was to be sent out. This unfortunately resulted in me not being able to settle any of the debts as we were unable to clear our credit. 
Initial Dates for Crown Asset Mgmt : In XXXX of XXXX, we received a reasonable offer of {$10000.00} In XXXX of XXXX, my son and I were in an accident, which resulted in 4 additional medial bills and judgments as we waited for our lawyers to resolve the issue. 

After were were able to settle in after the economic shut down of XXXX, I once again reached out to XXXX XXXX to make another attempt to resettle our debt. 
Crown is now managed by XXXX XXXX XXXX, not XXXX. 

Today, XX/XX/XXXX, I received an unreasonable and excessive counter offer of approximately {$16000.00} to settle the debt. 

This is an INCREASE of {$5800.00} in just over 1 year. 
My total debt has not increased HALF that amount since XXXX. 
This equates to a percentage increase FAR EXCEEDING all 5 other judgments that I have been able to resolve. 

I fully understand interest has accrued over the past year, however, a 3.99 % increase ( which is where EVERY OTHER debt collection agency is at ), would result in a significantly less increase than what has been countered with. 

This is excessive, unreasonable, and far outside the amount I have available from a family member who is assisting in this settlement. 

I am prepared to settle for {$12000.00} ( {$1300.00} OVER the initial offer in XXXX ) and the funds will be sent within 48 to 72 hours of acceptance. 
I am NOT in a position of paying nearly {$6000.00} MORE than the previous offer a year ago. 

There is absolutely no standard of interest or reason for such a counter and absolutely no precedent for what can be expected. 
I am already borrowing this money. I have no retirement, no savings, and no money set aside for education for our kids. And this is not helping me and my family be able to move on from unexpected and unavoidable medical debt over 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-23 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: CA

Complaint narrative:
I found accounts on my credit record I never did this is a fraud

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: CA

Complaint narrative:
I found accounts on my credit record I never did this is a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a high balance with my Chase credit card, for which they charge me 27.4 % interest. Today ( XX/XX/XXXX ) I tried to register for Covid-19 relief assistance with them, hoping to stop paying so much interest until I am again employed. 
They do not offer any such option, instead giving this draconian " relief : '' " Keep making your payments if you can. We'll continue to charge interest according to the terms of your account ... we'll consider your payment history ... and may cancel or restrict available credit lines. '' It appears their ONLY offer is to delay your payments or to lower or restrict your credit lines?? Neither of these things is remotely helpful when you have no income coming in, and in fact they are both extremely harmful. Payments need to be reduced, the astronomical interest rate needs to be suspended, other arrangements need to be considered. 
But Chase does not offer any help in those areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23 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: NY

Complaint narrative:
THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS DONE BY ME. I HAVE NO KNOWLEDGE OF THOSE DEROGATORY ACCOUNTS ON MY FILE AND I WOULD LIKE FOR THOSE ACCOUNTS TO BE REMOVED, PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE THOSE ACCOUNTS OFF MY CREDIT FILE FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME AND CREDIT HISTORY.

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 2020-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: FL

Complaint narrative:
We rented a car from XXXX and used our Visa card that was issued through Synovus Bank. XXXX put through a charge and Visa accepted the charge knowing that it was grossly improper. The fraudulent and excessive charges had the effect of freezing our bank account and causing us embarrassment. In order to contest the fraudulent charges, we spent hours on the phone dealing with XXXX and our bank. They caused us to not have access to cash in our account for ten ( 10 ) days.

Company response to consumer: Closed with explanation