vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My mortgage was purchased in XXXX by Specialized Loan Servicing. XXXX XXXX XXXX. XXXX XXXX, Co XXXX In XXXX the company began purchasing two homeowners insurance policies for the same duration of time. Each policy purchased sufficiently covered the financial responsibility for the property, creating a deficit in my escrow account. The company never notified me of this practice or action. The company then escalated my monthly mortgage payment to include the deficit they created! In XX/XX/XXXX I complained in writing, due to their inaction over the past two years! The company then placed a 60 day late payment on my credit report and purchased two homeowners insurance policies again in XXXX of XXXX while still in talks about this complaint, after notifying the mortgage company Not to Renu the current homeowners insurance policiy and providing them with the correct information on the new insurance company to provide payment to, the mortgage company had already paid to renew the policy and never informed me of the situation. Escalation payments were requested from the mortgage company. I paid the escalated request amounts. My monthly statements were often incorrect or lacking pertinent information. 
In XXXX of XXXX the winter storm in Texas caused sever damage to my home. In XXXX of XXXX I mailed the first installment repair check to the mortgage company for endorsement and I never received the check back to begin repairs. My home remains gutted, with no repair work being done because of the mortgage company 's inability to correct the issues of my concern. It will soon be a year that I have been unable to live in my home! 

In XXXX of XXXX the mortgage company 's attorney requested proof of the XXXX and XXXX double payments to the insurance companys, stating their request was to settle this mix up with my account. I complied and no attempt was made to correct my account. Now their story has changed along with the accounting history of my account. 
I began to pay only Principal and Interest in XXXX of XXXX. In XXXX of XXXX I learned that nothing has been corrected and my principal and Interest payments are being applied to the escrow account imaginary arrears. 
All documents have been provided to the mortgage company along with recordings of my conversations with their employees. The only action taken has been a re-creation of the accounting within my account, within their company.

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 2021-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Management Partners, LLC
State: NC

Complaint narrative:
I'm in debt, just like any other person. Debt XXXX, I know its there and I pay towards one debt at a time. Ive got medical debt, school debt and credit card debt. I'm slowly paying off my medical debt and will eventually work towards my other debt. I'm very aware and understanding how debt works and how debt collectors work but this company is literally driving me nuts. They call me 2-3 times A DAY. There has been one incident where they actually called me 4 times in one day. I have spoke to the caller once, explained my situation and left it at that. When debt collectors say they want to help, it's a lie. Ive asked them to stop calling me so many times in 1 day, its ridiculous. Since they call me so much, I've blocked them and they go straight to voice mail. The person leaving the voice mail is the same recorded message over and over. It's annoying and if I could block them from leaving voice mails, I'd do it in a heart beat. I don't care how much money anyone owes to any company, debt collectors should NOT call more than once a day UNLESS they've spoke to the customer and was told otherwise. This needs to stop, immediately. The company name is Receivables Management Partners , LLC and the number they call from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: FL

Complaint narrative:
I have contacted Transunion several times on XX/XX/2021 - XX/XX/2021 about a dispute that I mailed to them Certified Mail through USPS on XX/XX/2021, tracking number XXXX XXXX XXXX XXXX XXXX, which was delivered on XX/XX/2021. They stated that they had the dispute and it would take 5 business days to show that it was in process. It still does not show that it is in process. I dont even think they are re-investigating. Every time i call they give me the same answer which is that they are working on it. If i understand correctly, this should be showing on 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 2021-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
Good day, I am filing a complaint against Oac, XXXX XXXX XXXX, and XXXX. I received a derogatory remark on my credit of owing {$88.00} and this has put me in collections with OAC. I absolutely have no idea of the debt owed to XXXX XXXX. My credit report can show that I have never owed a single debt, not even a delay in payment one time. I put all my accounts on autopay and I believe I have paid off whatever balance I have. I never got any notification or reminder to inform me of any balance pending. I do not even have any idea of where the debt payment needs to go. I need this resolved please as this is very unfair that all these years I worked to have a clean credit report an unknown debt I have no knowledge of will be added to my credit report with no prior knowledge. 

In summary, I strongly believe I do not owe {$88.00} as all my accounts are set up to autopay and I never received any notification of this debt. Not even one. Please advise. I do not have any receipts as I believe whatever was owed was paid through a portal they sent to me. I do not remember the portal or have access to it anymore. WHY WOULD THEY SEND MY ACCOUNT TO COLLECTION WITHOUT PRIOR NOTIFICATION? NO LETTERS, NO CALLS, NO EMAILS. NOTHING!

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 2021-10-25 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: GA

Complaint narrative:
I have sent a dispute, police report, identity theft affidavit and ftc report to Equifax and it has been 30 days with no response from them. They will no remove fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: MS

Complaint narrative:
XXXX, XXXX and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 2021-10-25 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: MS

Complaint narrative:
XXXX, Experian and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed 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 non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: OR

Complaint narrative:
I am filing this complaint on behalf of both myself and the other borrowers that I assume are receiving the same dis-organized, confusing, and abusive treatment when trying to exit the COVID-19 Forbearance process. I suspect that this is systemic within Freedom Mortgage as they try to ramrod borrowers into signing documents without proper time to evaluate their options. The CFPB very publicly notified both borrowers and mortgage servicers that the kinds of abuses visited upon consumers during the mortgage crisis of the last recession would not be tolerated. It appears that it fell on deaf ears in so far as Freedom Mortgages process is concerned. 
On XX/XX/2021, I notified Freedom Mortgage that I intend to retain my home and am ready to resume making the monthly payments. Their representative told me to expect a package of documents within 7-10 days to start the process. 
XX/XX/2021 ( on or about ) attachment # 1 was received even though it is dated XX/XX/2021. 
XX/XX/2021 ( on or about ) attachment # 2 arrived even though it is dated XX/XX/2021. It said that I must accept the offer by XX/XX/XXXX. Note that they had not yet received my initial application and related documents. 
XX/XX/2021 the initial application and documents were put into the mail. See the Certificate of Mailing attached. 
XX/XX/2021 saw the evening XXXX  delivery of attachment # 3 even though the document is dated XX/XX/2021. It contained what appear to be the final legal documents requiring notarized signatures in a very short time frame. 
Please advise as to the acceptability of this process to the CFPB.

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 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have communicated with Home Depot Credit Services and their security team on multiple occasions explaining I was a victim of identity fraud. I provided them with the police report and have cooperated by providing them with as much information as I can. These are the people and dates below : XX/XX/XXXX XXXX XXXX spoke with XXXX ; XX/XX/XXXX at XXXX XXXX. spoke with XXXX ; XX/XX/XXXX at XXXX XXXX spoke with XXXX and confirmed they had police report. XXXX at XXXX spoke with XXXX and conveyed I continue to get harassed with phone calls even after provided police report. on XXXX at XXXX XXXX. spoke with XXXX and was left on hold for 11 ; 02 minutes and then I finally hung up. On XX/XX/XXXX at XXXX XXXX  I spoke with XXXX as I received a letter stating that their investigation does not support my claim was fraudulently opened. This was the second time I received a letter stating that my case was closed. XXXX has reopened the case. I informed her I would be reported them to the Federal consumer protection organization. 

The police have informed me that this case is not closed and is still considered fraud based on their investigations and information I provided.

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 2021-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Responded to a Citizens Bank direct mail campaign to open new checking/savings accounts and funded such with a total of $ XXXX at the time of online opening ( XXXX ). Citizens immediately transferred the funds out my existing account ( XXXX ) at another bank and immediately proceeded to close the new account ( XXXX ). Thereafter, Citizens has consumed many hours of my time in going into a local branch, via telephone, via email, and via written correspondence, all the while indicating that they do not wish to do business with me, unwilling or unable to provide any further reason, yet after over 3 weeks, also without return of my funds. I wrote to their CEO, General Counsel, and Head of Consumer Banking indicating that their marketing and banking practices, intended or otherwise, deceived and defrauded me, a consumer, of a significant sum of funds that they have been entirely unable or unwilling to return. A representative of the bank and I have spoken twice now. The first call ( XXXX ), the representative asked me for written proof that the funds were withdrawn from my sourcing bank account. I indicated that they did not need proof as they have the funds. During the second call ( XXXX ), the representative said I have 1 of 3 options, all taking immense more time to adjudicate. I told her that all I wanted was funds returned to my original account immediately, which is what multiple Citizens representative ( via phone and a local Branch Manager ) said would happen ( since funds were withdrawn via ACH, they would be returned promptly via ACH to the same account/institution ). However, as of writing ( XXXX ), I remain short said funds. I request your help to ( 1 ) secure a return of funds and ( 2 ) evaluate and take punitive action for defrauding customers, stealing money, bait-and-switch practices, discrimination ( do not wish to do business with you without further explanation, absolute disregard for customer time, communicating conflicting and misleading information, dodging responsibility ( asked me to take issue up with source bank! ), and lots of other colorful accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: BlueChip Financial
State: TX

Complaint narrative:
I applied for a payday loan with Spot Loans Friday XX/XX/2021 & was approved for {$600.00}. The website states that if you apply, get approved, & sign your contact before XXXX CST youll receive your money on the same day by XXXX. I applied got approved & executed my contract all before XXXX. I called Spot Loans Friday evening & they told me I either didnt make the cut off time or I typed my banking info wrong. So I waited till today XX/XX/2021 & called Spot Loan & asked wheres my money.. They told me my banking account info was wrong my application was canceled & I had to reapply. Im like WHAT! & they proceeded to say the second try isnt guaranteed. I told them that this was not cool & I was going to file a complaint. Sure enough I applied just to see.. & I was denied! I want my money that I was approved for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We recently refinanced a mortgage through JP Morgan Chase. The loan we were refinancing was also a Chase loan. We had an escrow impound account on the old loan with a balance of over {$8000.00} which we were paying monthly so they would pay our taxes and insurance. When we refinanced, we said we no longer wanted an escrow/impound account. We were not asked what they should do with the balance in the escrow account and Chase applied it to our loan payoff without our permission. We received a letter from Chase at the time of closing and it stated that if there was a balance, we would get a check in 10 days. When nothing came in 10 days, we questioned where it was and that is when we learned that they applied it to our previous loan payoff. We had been making these payments monthly, in good faith, with the assumption that these funds would be used to pay our taxes and insurance, not to pay down our balance. Now taxes are due and we dont have the {$8000.00} that we had been paying Chase to pay our taxes. 
Chase offered to refinance our new loan but to get the same interest rate we were given on the loan that recorded this week, we would need to pay {$8000.00} in points. Plus, they would consider the loan to be a cash-out since we would receive our impounded amount back. What is the point of that? If we kept our current new loan, they offered to give us {$1000.00} for our trouble but we still owe taxes which are over {$6000.00}. 
They made a mistake on our loan by not asking us what to do with our impound balance, not making the impound account available to pay the now due taxes and now offering to charge us for a cash out loan with points.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This complaint is for JPMorgan Chase Bank and their collections services XXXX XXXX XXXX XXXX. The account I had with JPMorgan was for a credit card that needed to be paid. The account was then passed to XXXX XXXX XXXX for collection. I called XXXX XXXX XXXX on XX/XX/XXXX and identified the debt with JPMorgan Chase Bank with account representative XXXX XXXX XXXX. On the same day, the debt was settled for {$2700.00} and paid through a check from my XXXX bank account deposited on XX/XX/XXXX. I received a letter sent from XXXX XXXX on XX/XX/XXXX stating that XXXX accepted the settlement for the referenced account. It was stated on the phone that the settled debt would be reported to JPMorgan Chase Bank, then updated and removed from my credit report. However, I received mail notification sent XX/XX/XXXX that XXXX XXXX and XXXX XXXX XXXX are now trying to collect a new and different debt in the amount of {$1800.00}, which was reflected on my credit report. I am not acknowledging that I owe this amount, nor do I validate this amount as it conflicts with my notification of debt settlement received by XXXX, and what was discussed verbally on the phone. Supporting documents are in the attachments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My name is XXXX XXXX I am consumer, a natural person. On Monday XX/XX/2021 I contacted PayPal Credit Card Services and spoke with XXXX, I informed her my payment in the amount {$3900.00} was not applied to my account and I question why. She looked up me account and informed me she did not understand why that error occured. I spoke with her Supervisor XXXX and she informed me that XXXX forwarded my information to the dispute department. I am concerned as I take my finances very seriously. I remitted my money order by there directive and in accordance with the law as UCC 3-603/3-311 directs

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 2021-10-25 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: NJ

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 2021-10-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Submitted copy of my dispute letters on XXXX  company has failed to respond to my letters, complaints, or investigations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25 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: GA

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