vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
I have been sued for a time-barred debt from XXXX. Most importantly I do not believe I owe this debt. Plaintiff is providing minimal information for Servicer Chain of Custody for the last Servicer from XXXX. Plaintiff can not or will not provide any Servicer Chain of Custody records for the Servicers prior to XXXX. None of the Servicer paperwork references the loan number for the debt in question. I have not received information from " anyone '' since XXXX. Nor was I ever told there was payment due. Plaintiff never told me this was a time-barred debt which I believe he is required to do. Instead he replied to me in a letter stating that this debt is not affected by the Statute of Limitations. 

TAKEN FROM DEFENDANTS INITIAL DISCLOSURES. 
a ) Defendant does not believe the Promissory Note in this case is a valid debt owed to the Plaintiff. 

b ) Plaintiff is illegally suing Defendant for a Time-Barred Debt per Section 392.307 of Texas Finance Code, per Section 16.004 of Texas Civil Practice and Remedies Code, and Per Section 392.402 of Texas Finance Code. 

d ) Plaintiff either can not or will not provide the required proof that the Debt in this case is a valid debt by providing Defendant with Loan Servicer Transfer Chain of Custody documents going back to the loan ( Promissory Note ) originator being XXXX XXXX. Plaintiff has not provided Defendant any documents that references the XXXX XXXX XXXX XXXX Promissory Note MIN number, or Promissory Note Contract number proving that it is referencing the same Promissory Note being brought before this Court. 

e ) Defendant has not been contacted by " anyone '' by phone, email, certified mail, or by any other means of communication since discussing the debt with XXXX XXXX and being told " if money was owed after the sale of the Security Instrument ( home ) Defendant would receive a letter from XXXX XXXX within 21 Days ''. Since XXXX to XXXX there has been No contact of any kind, from anyone stating additional monies were due on Promissory Note in this case. This alone indicates that this is not a valid debt, as not one single Loan Servicer Requirement has been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
On XX/XX/23 I sent a money order via mail, I buy a tracking number, in the amount of {$350.00}, to a po box provided by them when I called. 
I tracked the mail and they received the money order on XX/XX/23 and cashed. 
I called explain the situation and they refer me to send email to the research department, I did it, they mentioned they need the need proof of, I include pictures of the money order back and front, they respond to me stating that they received a payment made over the phone on XX/XX/23 ( like nothing to do with the request in regards to the missing payment ). 
I send 3rd email explaining everything again and include ALL DOCUMENTATION again and they respond to me stating the need the back and front of the money order when is been sent more than 3 times so I need help please because I dont want loose my money. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
My concern is about the auto-pay that I did not approve the Synchrony Bank/PC Richards withdrawal of {$29.00} monthly deduction from my XXXX XXXX XXXX acct . As they had this info. this was the acct. was used to make my payments. I asked for proof off my authorization they could provide me with.. This is my supporting details additional information for my most recent dispute. 
I have been disputing this extra charge for a refrigerator that I did not order in XX/XX/XXXX. XX/XX/XXXX 18-month promotion and sale on refrigerators at PC Richards here in XXXX XXXX XXXX XXXX. where I always made my electronic and appliance purchases. I purchased two refrigerators one for my mom that I paid immediately and one for myself with the 18 month promotion. In XX/XX/XXXX on my PC Richards card also was a charge for a TV that was a six month promotion that I was not advised of the time limit I thought also was part of the 18 month promotion. When I realized that there was interest being charged on my balance. I called the store and spoke to the manager XXXX. As this was the time of XXXX, we spoke about the TV promotion. She extended that six more months so I can pay that off. With this click you will see she added another refrigerator without the extended promo. I believe this was just a mistake that could have and should have been taken care of right away. And or explained to me in detail that this was a correct charge that I was mistaken. I was told many times it was removed but always on my next bill..

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 2023-05-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: TX

Complaint narrative:
On XXXX XXXX I woke up for work to find my car missing from my driveway. I thought my car was stolen so I called XXXX XXXX police department. I started crying as my husband died a year ago from XXXX and I have XXXX children who need to go to school and I only have one car. The police called back and said it was repossessed. 
I was in shock as I was not behind on any payments. I have a title loan with Loan mart and I was a few days late but I paid over on the payment in XXXX and have never been late so I couldnt understand why it would be repossessed. 
My kids had to stay home from school and I had to get a XXXX to work I am a XXXXXXXX XXXX. 
I called Loan Mart and they were extremely cruel to me stating that they didnt repossess the car because I was late on a payment but because I didnt send them a piece of paperwork ( not the title ) that they needed a physical copy of. 
I sent them an electronic copy of it but no one told me I needed to send a physical copy. 
They told me they tried to contact me but I only received one of two letters in the mail asking for documentation and I couldnt understand what they needed since they had my title. I have been XXXX XXXX since my husbands death and can barely function so I was not able to as what exactly they needed. 
At no point in time did they ever tell me my car could be repossessed. 
XXXX started getting extremely nasty with me about why they were justified in taking my car for paperwork instead of calling me. Even though I told her I was XXXX XXXX XXXX XXXX 
I had to pay {$480.00} to get it out of impoundment and then they made me wait until they received a signed piece of paperwork of what I didnt know they needed a hard copy of until they would let my car be released. 

Loan Mart makes money from towing my car never mind the high interest rate on this loan. I had to rent a car which cost me even more money and I was at work while she was humiliating me on the phone. 
As a XXXX  this was one of thee most disturbing things I have ever experienced. 
I was literally trying to XXXX XXXX XXXX and It was like the woman didnt matter. 
All that mattered was paying the grossly high towing bill and yelling at me for things that were out of my control. 
This is predatory lending as they moved my XXXX payment to the end of my loan and humiliated me at my job. 
I did call them a couple of times to give them my new number and I really didnt understand what they wanted from me because they had the title to my car. 
I have never been late on a payment and I am now being further punished by extra fees for car impoundment and rental cars and my children missed school. 
These lenders dont care whose lives they ruin.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
In early XXXX I received a letter for a trial period to complete before a loan modification would be granted. I completed the period early. I have documented every payment. I was told to wait 30 days for the new loan documents to be sent. I have informed delivery on and the documents were never sent. I confirmed this with their rep XXXX. I asked for the tracking number or proof of sending them certified, and he agreed there was none. I was sent to foreclosure in mid April for 'not having the documents notarized and returned. These documents, they have no record of ever sending. I have called every 3 days as recommended to follow up and be sure I was moved out of foreclosure and the documents could be reprinted and sent by certified mail. Finally on XXXX I was told the documents were generated and I have to call back on XXXX to see about certified mail tracking number. When I called today the rep said 'Wait 30 days and we will send them in the mail '. This is NOT acceptable. CCM failure to send the documents in XXXX led to be being thrown in foreclosure once! I asked to speak to the supervisor 3 times on this call and the rep started reading a script about partial claims program, and ignored my request. Since the documents WERE approved to be reprinted on Monday, its unacceptable to go 30 days without any proof or tracking on them in HOPES that CCM performs their responsibility and I still don't have confirmation that I am out of foreclosure due to their error. Finally their rep, XXXX told me there is no team lead or supervisor that can speak to me. This is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Well, I have been struggling with XXXX  since XXXX which includes XXXX. All of this was to straing for my XXXX culminating with my having XXXX surgery XXXX XXXX XXXX 
As part of XXXX relief I was given amnesty for my mortgage, but American Express lowered my credit on my Gold Card from no limit to a $ XXXX credit limit and stopped charging me the {$250.00} annual fee for the Amex Gold Card. Last month XX/XX/XXXX American Express placed a {$250.00} annual fee back on my Gold card but refuses to return the card to a unlimited status. 
This means I am charged {$250.00} for a {$2000.00}. Credit limited card, this is more than 10 % of the credit limit, eventhough I have never had an issue making my Amex payment prior to the credit limit placed on a unlimited credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank denied a dispute I filed XX/XX/XXXX for a defective item I purchased, Citibank sided with the merchant, even when the merchant did not provide evidence that they worked with me to solve the issue. Merchant only provided a copy of the order details. Citibank sent me a letter stating that in order for me to pursue the dispute further, to sign. letter they sent me as well with additional documentation. I signed such letter, and attached multiple email communications I sent to the manufacturer where they deny anything is wrong with the item, even when they have not inspect it physically to make such determination. I sent email to Citibank email address for disputes at, XXXX in multiple dates, XX/XX/XXXX and XX/XX/XXXX. I have contacted Citibank in multiple opportunities after this emails and they still claim they have not received any email from me. I have until XX/XX/XXXX to send this letter and extra documentation in order to proceed further with my dispute. I did send emails to Citibank before the XX/XX/XXXX deadline so I was on time. It is not my fault that Citibank faulty system is not receiving the email correspondence I sent. I am attaching copy of the emails sent to Citibank, as well as the documentation attached to such emails.

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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have multiple accounts that should not longer be reporting to the credit bureaus because they have been " charged off as bad debt '' and I have already received 1099-C Cancellation of Debt forms from each and every single creditor reporting that I owe money on the closed accounts. 

I believe it is against the spirit of the law, and possible the US Code itself, to have a debt that is no longer legally enforceable ( due to passing the Statute of limitations ), have the debt cancelled, reported to the IRS, and taxed to me, and then continue to report it monthly as an open debt, or in collections. 

Reporting that the debt was cancelled and booking the loss, yet continuing to try to collect the debt is wrong.

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 2023-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I was never advised of the transfer of this debt. This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I got an email stating that my identity report did not meet the guidelines established by FCRA because i didn't file with law enforcement. Reporting to law enforcement is to in the FCRA so this should not be the reason. I reported to the FTC which was encourage by law enforcement.

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 2023-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Problem has been going on for almost two years.

We pay our homeowners insurance, flood insurance and local directly and in full to our insurance providers and the local government taxing authority.

The loan servicing company incorrectly has billed us via an unauthorized escrow account for these payments that have been made directly, without any need of involvement with the loan servicing company.

To make matters worse, the loan servicing company has incorrectly assessed our loan late fees, penalties and interest on this unwarranted escrow account.

We have spoken with the company 25 times, written letters to this effect, sent via fax, email and US Mail, and to date have not been provided any specific detail as to when or why the escrow account was even initiated.

Recently, the loan servicing department just sent us a notice of installing forced place flood insurance, as we have had continuous flood insurance, the policycy has been sent to the loan company several times.

Failure to communicate requested information and continuosly mishandling our account is the reason for this complaint. Incorrect amount slandering my credit niow exists for over {$58000.00}. Absurd.

We have NEVER even been late with any mortgage principal or interest payment. Never!

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 2023-05-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
I want to file a formal complaint about how MOHELA is refusing to discharge my loans in a timely manor after being notified by XXXX and myself that my loans were discharged as I am a class action member of the Sweets V. Cardona settlement. I have provided MOHELA with information the XXXX Loan Servicer sent my Loan to you in error. I have provided MOHELA with the necessary information regarding my loans being discharged and I demand this be reflected with MOHELA and all loans from MOHELA be removed from my credit report. At this time MOHELA is well aware of the facts of my case as I've spoken to MOHELA and XXXX who sent the loans over in error. MOHELA is costing me thousands of dollars in interest and borrowing power by allowing loans to be on my credit report in error. Please remove these loans according to the information MOHELA can acquire from XXXX the loan servicer who has been notified by the Dept. of ED that my loans have been discharged. All relevant information has been uploaded to MOHELA. Once again MOHELA is violating my financial rights, and their obligation to have fair and accurate loan information be reflected on my credit report. Thank you for your time in this matter. Best, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TX

Complaint narrative:
Attention credit bureaus regarding the late payments on my XXXX XXXX account, I have come to an agreement with XXXX XXXX. As you see in my attachment that I have submitted my account is current and in good standing with XXXX. I have extended my monthly payments and I request that you please remove the lates on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I sent a certified letter to experian several months ago, I asked to correct my last name, address. I have not received anything regarding this demand. I pulled my credit report today, Experian continues to report incorrect personal information.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.

Complaint narrative:
It is Equifax is duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. Equifax is reporting three in accurate late payments for the XXXX account, which does not have an account numbers to reference to. These include two 90 day late payments posted in XX/XX/2018 and XX/XX/2018. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in Equifax violating my federally protected consumer rights. To add to this I did NOT give Equifax written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that Equifax has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: WI

Complaint narrative:
After a financial issue in XXXX I fell behind on my mortgage. UWM sent me a letter in XXXX stating the amount that had to be payed and by what date, and instructions on where and how to send said payments. I called within a couple days of receiving the letter ( which is documented in their notes in my file ) to let them know I received the letter and would be sending the payments per their instructions. They signed for delivery of each payment acknowledging they received it, have it in their notes that they were all received, yet did not apply any of the payments to my mortgage. They then set in motion the forclosure process, turned it over for collection, and have been reporting it to each credit bureau that I have not made the payments resulting in a terrible credit score. My bank has traced each payment and none of them were cashed. They have yet to return a phone call or email. As of XX/XX/XXXX another servicer has taken over my loan but it is still set for foreclosure due to UWM withholding over XXXX XXXX in payments made to them.

Company response to consumer: Closed with explanation