vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Based on the open case with Specialized Loan Servicing Account number XXXX. The vendor mentioned in their response that they sent a " Notice of Default and Notice of Intent to Foreclose '' On XX/XX/ 2019 I received a package from Specialized Loan Servicing LLC informing me about the compliant I filed with Consumer Financial Protection Bureau ( CFPB ) with regard to the servicing, reference case no XXXX and XXXX. Specialized Loan Servicing mentioned that they sent me this notice " Notice of Default and Notice of Intent to Foreclose ''. The letter was found buried in the stack of papers which consisted of a Mortgage Assistance Application. 

The issue I have is, I never received the letter " Notice of Default and Notice of Intent to Foreclose : '' When Specialized Loan Servicing mentioned the fact in the CFPB Case No XXXX and XXXX. I fully understand that there is no limitation on fraud, based on the grievance and the noted fraud committed needs to be addressed by Specialized Loan Servicing LLC, why? because the fraud started with the Originator XXXX XXXX XXXX, which the fraud continued to the second, third and now fourth interloper, which is Specialized Loan Servicing LLC. Since Specialized Loan Servicing feel that they not nothing to do with the fraud, based on my overstanding, Specialized Loan Servicing inherited the fraud, by buying the Deed of Trust, which was separated from the Mortgage and sold on the stock market. 

In addition, since Specialized Loan Servicing believe they had nothing to do with my grievances, I want them to know that Clause 20 of the Deed of Trust require me to send a notice of grievance prior to judicial action, and to give the Note Holder a reasonable period after the giving of such notice to take corrective action. As you are the recent servicer and agent for the Note Holder, if the grievances are beyond Specialized Loan Servicing ability to correct, I would like for them to forward my request ( Grievance ) to the owner of the securities. 

The package received on XX/XX/XXXX, is entirely too large to scan and upload. if you want to see what was sent to me, with the " Notice of Default and Notice of Intent to Foreclose : '' dated XX/XX/2019, was hidden in the XX/XX/ 2019 package, which was place there, so I wouldn't have a chance to respond.

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 2019-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Higher Level Processing
State: NY

Complaint narrative:
Since XX/XX/XXXX Higher level processing has been taking {$20.00} each month for payments that were supposed to be going to XXXX XXXX XXXX, saying that it was going to be going towards my loan forgiveness but that I'd be paying XXXX because of my financial difficulties. They took fees of XXXX out of my bank account from the months XX/XX/XXXX. They said the processing fee was {$590.00} and the monthly maintenance fee was {$19.00}. The " advisor 's '' name is XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: GREAT LAKES
State: TX

Complaint narrative:
XX/XX/2019 On today 's date, I received a telephone call from a XXXX  at the XXXX XXXX XXXX XXXX XXXX at XXXX, ext. XXXX. XXXX asked if I was ( stated my name ). I said yes. He advised that I was not the person that called him a few minutes ago. He inquired if I talked to him about two minutes ago. I stated no. I learned that the XXXX XXXX at XXXX attempted to get information about my loan and XXXX recognized that something was misaligned. He disconnected the call and made contact with me. During this conversation, I learned that the XXXX XXXX XXXX was NOT a part of the US Department of Education which I was lead to believe they were. I had received numerous calls from these people advising that I was a veteran and I must not let my loans default because it could be financially devastating. I end up paying these people {$720.00} to consolidate my loan which XXXX stated I did not need to. As a student and veteran, the Dept of Veteran Affairs and I could have done it myself. I want my money back and believe these people should not make nuisance calls wearing veterans or anyone down about defaulting on their loans. I believe their tactics are definitely predatory. I want to be reimbursed {$720.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Firstsource Business Process Services, LLC
State: MI

Complaint narrative:
The problem is that the collections account is listed as XXXX and I received notification from Firstsource Advantage called XXXX they said Id have to contact XXXX XXXX was transferred to an extension and left message. Trying to settle debt but am shuffled between 3 different collections companies. Negative remarks added to credit report because I am disputing endlessly because there are too many creditors notifying for one account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: TX

Complaint narrative:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

TransUnion/XXXX/XXXX -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits on initial complaint.

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 2019-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focused Recovery Solutions, Inc.
State: VA

Complaint narrative:
A medical bill for XXXX XXXX XXXX was setup on a credit card to be charged each month. At some point, as happens frequently to us, our card was compromised and canceled and re-issued. If yo have ever had this happen, is it not easy to forget all the payees that may have your card? It is very easy to forget. No new letters, no calls were received. While in the process of buying a home for my elderly Mom to live near us, we were alerted of a collection. I immediately called : FOCUSED RECOVERY SOLUTIONS Agency Address : XXXX XXXX XXXX   XXXX. 
XXXX, VA XXXX ( XXXX ) XXXX and inquired about the account being on my credit report. I politely, asked questions, and confirmed that the credit card payments had been interrupted by the credit card breach. The very next day, I paid this in full and Focused recovery explained my flex spending would be charged, and the record on the CRA would be deleted. Well, they issued a XXXX  balance to the CRA 's, but not a deletion request as expected. 

An overnight letter, XXXX, was sent, with no response and no deletion order sent to the CRA 's. I have this tracking number if required, please contact me. 

This should not impact my ability to get a good rate on a mortgage, because no-one called me about the credit card payment issue, no letters were received. I have no collections, and never missed a payment on any accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX is continuing to report a item on my Equifax report that is fraudulent. The item is currently under investigation with the FTC, yet XXXX XXXX is still attempting to break FCRA guideline by reporting the fraudulent item on my Equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

XXXX/EQUIFAX/XXXX -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XX/XX/XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XX/XX/XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XX/XX/XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX/XXXX   account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XX/XX/XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits  on initial complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: TX

Complaint narrative:
I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

XXXX/XXXX/Experian -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX  XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XX/XX/XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XX/XX/XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits on initial complaint.

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 2019-02-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I set up a platinum card and a balance transfer of approximately XXXX. I set up automatic payments through hill pay and my bill was never probably debited from my checking account. I tried calling and gave up after thirty minutes on hold.

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 monetary relief
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Todd, Bremer & Lawson, Inc.
State: VA

Complaint narrative:
I have a big problem that I'm encountering with. So a university 's cashiering office in XXXX, VA claims that I owe the debt to the school. But I claim that I don't them money. Same thing with this debt collection called Todd, Bremer, and Lawson. They were begging and keep asking me like threatening me that they want the money amount from me. I don't have enough money to cover that amount. This has been going on for months since XXXX or XXXX of 2018. I may feel that both are gon na file a lawsuit and pressing charges against me in court. Am I protected under the FDCPA? I don't know if I'm gon na go to jail if I don't pay the debt to the university cashiering office and Todd, Bremer, and Lawson agency. They also were keep calling me and sending me letters about paying up the debt, but they also begged as well. I'm trying to resolve this issue, but it didn't work for me. Both have all of my information such as address, email, phone number, and other stuff on file just like looking into my information. I want them to remove all of it for good so I won't receive anything in email or mail. I don't have enough to pay the debt, they were begging me and I don't have a job that I'm working.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: TX

Complaint narrative:
Cross country Mortgage does not communicate on escrow. 

I received a bill in Mid XXXX to and the payment went up from {$2600.00} to {$3100.00}. I called several times about why the payment went up so dramatically. They kept on explaining that it was due to taxes. So I looked at the taxes and noticed that the homestead exemption was not been issued. I did so in early XXXX and thought the issue would be resolved. But the credit was only {$350.00} a year. So I called again and they told me to do an analysis by email. I submitted the analysis still not change. Finally spoke with a supervisor and he noticed that there was a forced placed insurance that was added in XXXX going all the way back to XXXX. I closed on the house in XX/XX/XXXX. 

By law you have to pay your insurance for 1 year in advance in order to receive closing documents. I was not giving any notice that there was a forced placed insurance added nor did they ask for me to proof that I had insurance. Very upset because my XXXX payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: IN

Complaint narrative:
Bull City Financial is continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet Bull City is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
GLAis continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet XXXX is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: KS

Complaint narrative:
On XX/XX/XXXX, I received a bill in the mail for my deceased mother, XXXX XXXX, from XXXX. My mother died on XX/XX/XXXX. The bill was for {$8.00}. It showed a {$4.00} payment was returned on XX/XX/XXXX.  Her checking account was not closed until XX/XX/XXXX and had ample money in it to cover the charge, specifically {$1700.00}. In addition, I tried to phone them on XX/XX/XXXX to advise them she was deceased and to close her account. I called around XXXX and spoke to a person named XXXX XXXX She claimed she was having phone problems and then the call dropped. I tried to call back, received the automated system, but when I asked the system to transfer me to customer service it left me on a dead hold. I hung up and decided to submit the death certificate to the CFPB and a complaint for an explanation of the returned check on XX/XX/XXXX. 

XXXX responded to the CFPB that they could not discuss the account with me and stated what documents I needed to submit for the account to be closed. Not only did I send the death certificate to the CFPB, but I also sent it through US mail. On XX/XX/XXXX, I received another statement from XXXX. This time the balance was {$17.00} because a {$8.00} late fee was accessed on XX/XX/XXXX. They had still not closed the account. I called and spoke to an employee named XXXX around XXXX on XX/XX/XXXX. She refused to discuss the account with me, refused to close the account, and stated they would only close it if provided with a death certificate. Clearly, they have one as  provided through the US mail and through the CFPB. As you can see, the company responded on the XX/XX/XXXX to the complaint with the CFPB, obviously had access to the death certificate, but still had not closed the account and went further to bill the account with a late fee on XX/XX/XXXX. 

So again, I am now filing a complaint with your office. XXXX/XXXX   statement along with the complaint submitted to the CFPB and her death certificate. I have also filed a complaint with my state attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
The problem with my account is that the bank has lowered my credit limit three times in the last seven months. 
When I opened my XXXX XXXX credit card through XXXX XXXX, I was agiven a {$250.00} credit limit which quickly increased to {$800.00}. XX/XX/XXXX the bank lowered my credit limit to {$750.00}. Again in XX/XX/XXXX the bank lowered my credit limit to {$700.00}. I have consistently paid on my account at least the minimum due so my account has always been in good standing. In XX/XX/XXXX I purposely made a large payment to bering my balance down below the 50 % mark of my credit limit in an effort to increase my credit score. Once again, shortly there after the bank lowered my credit limit to {$400.00}. 
The reasoning the bank is giving me is becasue there has been a significant decrease in my credit score. Well, ... 
Frist of all I bought a new vehicle at the end of XX/XX/XXXX and because of the financing and sending the app to banks, yes my credit score dropped. However, everytime this bank runs my credit they ding my credit score as well. Not to mention by continually lowering my credit limit you have now increased my credit/debt utilization which is lowering my credit score. So guess what, my credit score keeps going down or staying the same because of the negative impact this bank has had on it. My performance with this bank has been good. I have always paid on my credit card. I just don't understand how a bank/credit card can continually negatively impact your credit score in the way this bank has done so. I have looked and verified on my credit report that this has negatively impacted my credit rating. it's stating right on the report because of decrease in credit limit and increase in credit utilization you have been negatively impacted!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
I was denied a mortgage after having received a preapproval letter. The reason given was that I could not show regular income. Im recently retired and living on savings. I have over $ XXXX in retirement accounts. I have not started taking money out of the retirement accounts because I have other money available that has already been taxed. My current rent is {$3300.00} per month. I have the cash for the down payment. The loan amount is {$500000.00}. The P & I plus taxes and insurance is estimated to be just under {$3000.00} per month. My wife and I qualify for {$3900.00} per month in social security starting in XX/XX/2020. There is absolutely no risk that we wont be able to make the payments on the loan. We have very low debt and great credit. In our past history of home ownership we have never missed or had a late payment. I was told that their underwriter has stricter rules than XXXX XXXX and that was why we were denied for the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22 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: CA

Complaint narrative:
I have an unauthorized credit inquiry on my credit report. I contacted the company and they told me they could not remove it and to contact Equifax. I contacted Equifax and they have not removed it.

Company response to consumer: Closed with explanation