vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
Specialized Loan Servicing has created shell companies to illegally attempt to collect debt..I have a HELOC that was serviced by them.It was discharged in  a bankruptcy but is still a lien on the property.I had been attempting to do a settlement with them when the servicing and debt was allegedly sold.On XX/XX/XXXXthe mortgage was assigned to XXXX XXXX XXXX using the SLS corporate address, there was no phone number or contact capacity for XXXX XXXX.My calls and emails received no response.When I asked to speak to someone from XXXX XXXX by calling SLS I was told that there was no one to talk to.In the interim I received a letter from XXXX XXXX   XXXX ( XXXX ). saying they acquired the mortgage and servicing  from XXXX XXXX.XXXX began illegal collection efforts culminating with a 30 day cure notice that is illegal in Massachusetts.The notice also threatened giving the information to the credit bureau and a promise to begin foreclosure after 30 days.This was sent on XX/XX/XXXX, it is now XX/XX/XXXX.Nothing has happened.This violates the FDCPA and the State of Massachusetts Collection Laws. 

I believe that SLS, XX/XX/XXXX, and XXXX are all essentially the same company.Please see the mortgage assignments attached.XX/XX/XXXX is c/o the SLS corporate address, then XX/XX/XXXX and XXXX have the same address and suite number. 
This allowed SLS to use illegal means to collect the debt.SLS is a large servicer and is licensed by the Division of Banks in Massachusetts ( as required ) as a collector and servicer.Neither XX/XX/XXXX or XXXX are licensed by the MassDOB as a debt collector.This servicing sale subterfuge allows SLS to profit from illegal collection efforts and not jeopardize their own licensing. 
I am attaching the mortgage assignments and 30 day cure notice.SLS should not be allowed to be a licensed servicer and debt collector and sell their uncollectable debt to their created entities XX/XX/XXXX and XXXX to be illegally collected.If XX/XX/XXXX and XXXX aren't really SLS how can a licensed debt collector sell 103 non performing Massachusetts loans o someone not licensed to collect them.This is unfair and deceptive.

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 2019-04-30 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
this is American Express card open beginning of XX/XX/XXXX/.XXXX.  When I call Main number of America.Express said this card is not part of American express.. Problem is limit of XXXX when open. Did not use this card since XX/XX/XXXX ..show balance of {$4000.00}. Paid {$200.00} to {$350.00} Monthly ..This card start Charging fees in XXXX over {$380.00} in fees Processing fees, each month until now. which I was paying down the Balance. Now in XXXX American express lower the limit with out letter or notice to {$4400.00} now show {$670.00} Min due. RIP OFF. Where I try to ask them to not due this and stop all fees the Cards has not been used since XX/XX/XXXX. By lower my limit this would cause over Limit fees. Payments are not being applied correct. Amex Only showing XX/XX/XXXX Statement online {$60.00} paid where when over {$300.00} was paid in XXXX now showing only {$120.00} but {$260.00} was paid ..Card last 4 # XXXX exp XX/XX/XXXX .. STOP THE FEES OF {$380.00} MONTHLY ON STATEMENT WHICH MAKE IT HARD TO MAKE PAYMENT TO LOWER MY BALANCE SINCE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have been a loyal Bank of America customer for over 10 years, and have never been so shocked or ashamed to be apart of such a money hungry corporation. Originally, I called because a vendor was illegally charging me money for the past couple of months, which I had proof of with a valid cancellation policy. I was not after the money that was illegally taken from me, but only wished for the vendor to stop being able to charge me future payments. I was told that if I wish to have someone who is illegally charging me money, that I would have to instead pay Bank of America a {$30.00} fee. Once I tried to reason with Bank of America 's agent, she stated that " overall Bank of America will be charging you less then the other vendor and its only a one time payment, so I should just do it ''. Essentially, I am being robbed and the bank wants to profit before they can help me solve my issue. I am already in the process of shutting down my account but I wish for other customers to hopefully be helped instead of being charged in the future.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute about a bankruptcy showing up on my credit report inaccurately. I got a letter back from XXXX  and Transunion on XX/XX/XXXX saying that it was verified as accurate from XXXX. 

I find this hard to believe as the only person who can legally verify this item would be the person or instution with first hand knowledge in this case the bankruptcy court itself. 

I have documentation from the court house saying they do not verify records with any 3rd parties or credit bureaus. ( see attached letter ) Not only that under the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) concerning 3rd parties or anyone pertaining to this particular situation I would have to give written consent and permission for them to report this on my credit file.. I have not consented to anyone posting this subterfuge. Not only is this information inaccurately reporting.. It is ILLEGALLY reporting. 

So I disputed with the credit bureaus again on XX/XX/XXXX exercising my rights under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate and verify this item. They have not respond and it has now been over 45 days. 

According to the FCRA in order for Credit Bureaus to report information on my file it MUST be 100 % Accurate and True. 

This inaccurate bankruptcy showing up on my credit report has caused me pain and suffering and has prevented me from obtaining credit to make a living for my family. 

I demand direct proof of the accuracy of this Account according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my credit report according to FCRA, Section 609 a ( 2 ).

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 2019-04-30 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: FL

Complaint narrative:
Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. 
They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX  but Transunion and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.

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 2019-04-30 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: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XX/XX/XXXX I booked a airline flight with United airline by using my United airline card from chase bank.. when I change the flight the online submission said I would be getting a refund of my purchase flight Then when I called them to see whats going on they said they are not going to give me a refund so I paid XXXX with no service. Because I book another flight and and flew out one day earlier. So basically XXXX of my money that I have to pay the credit card company back is going. It feels like I was rob of my money .i file a dispute with the card company under the fair credit billing act under the reason I been charge for services I didnt receive, I file all the disputes on XXXX the XXXX and in XX/XX/XXXX. I feel like since the card company chase United explore card is affiliated with United airline they will take they side. I never missed a payment with this company can you please help me get my refund. The attached pictures are the pictures of the flights they charge me with that I didnt use. And my boarding passes of the flight I used

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
It has come to my attention that an equity line of credit that was paid off in XXXX is on the title of my home.. I have tried since XX/XX/XXXX to get this handled. I have been sent the wrong release of lien 5 times. Just this month I have sent the request 3 times ( XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX ) I have a case number XXXX reference number XXXX and case number XXXX. I have made multiple phone calls. Each time I'm told it will be handled in 3 to 5 days. I have not heard back from anyone on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Exeter Finance, LLC.
State: MN

Complaint narrative:
I opened 2 accounts with the same lender for 2 vehicles in XX/XX/XXXX toXX/XX/XXXX. I ended up in a divorce which put me into a situation of voluntary repossession for both vehicles.i gave back both vehicles and the loan company Exeter financial sold the vehicles for any loan value in XXXX into XXXX or so of XXXX. The remaining loan amount was than sold to various lenders which ended with XXXX XXXX back in XXXX some time and as of XX/XX/XXXX I had got in contact with them to make arrangements to settle the accounts and pay. I got my income taxes and paid both accounts as agreed by both myself and XXXX XXXX for the amounts offered as paid in full. I have 2 letters stating that the accounts are now settled and XXXX XXXX have now removed themselves from my credit but Exeter financial has not updated and or removed themselves from my credit seeing as they are paid as well if the lender got paid. I have tried calling Exeter back in XX/XX/XXXX and no one could speak to me from the department that handles the credit reporting of the accounts and I also left a message to get a response for the team and no one responded back. I have investigated 3 times on all bureaus and the XXXX credit bureau was the only bureau to remove them from the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
we attempted to get more information from 1 of the MANY phone calls they make but they weren't very helpful. 

We sent the creditor a debt validation via USPS on XX/XX/19 it was delivered on XX/XX/19. We till this day have not received any letters from the creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
We have paid every dime needed to completely pay off our mortgage and the recording fee, however the lender, Nationstar d/b/a/ Mr. Cooper , is insisting that the payment must be made in one payment of {$1200.00}. 

We owed {$580.00} in principal on XX/XX/XXXX. We paid {$600.00} on the XX/XX/XXXX in order to pay off the principal and any residual interest. Once the principal was paid, it was our intention to request a payoff quote and send in the remaining amount due. However, when we checked our account online, the {$600.00} payment sat in an unapplied account and the {$580.00} principal was still outstanding. We called Mr. Cooper and their representative told us to send in another {$690.00} in a cashier 's check to complete the payoff. We did that. Nothing happened.

We called Mr. Cooper again and were told that since the {$600.00} was not payment in full, it has been returned and that the full amount due must be received by XX/XX/XXXX. It's 2 weeks later and we have received nothing. By the time we receive it, the {$690.00} will be returned!!!

We owe {$1200.00}. We paid {$1200.00}. Why isn't my mtge paid??? By the way, Mr. Cooper never notified us of any problem until we called about the unapplied funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I made a payment of {$40.00} on XX/XX/XXXX, then went to pay the card off on the XX/XX/XXXX. The XX/XX/XXXX payment had not posted, so I paid the full amount showing due of {$610.00}. Instead of paying the card off, they are now saying Im delinquent even though Ive paid more than whats due. Plus, Im sure they have reported it to the credit bureaus.

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 2019-04-30 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
My account was compromised and money was taken out of my Wells Fargo account. There were also mobile deposit fraudulent checks that deposited into my account. I reported this Wells Fargo and they denied my claim. I feel that they have failed me as a consumer and do not see how this type of activity could of been allowed to go on for days without them freezing my account. I was scammed out of over {$2700.00} and nothing was done about it. This fraudulent activity went on from XX/XX/XXXX to XX/XX/XXXX. I already reported this to the police just want to have this taken care of and get some type of resolution.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted a dispute about a bankruptcy showing up on my credit report inaccurately. I got a letter back from Experian and XXXX on XX/XX/XXXX saying that it was verified as accurate from XXXX. 

I find this hard to believe as the only person who can legally verify this item would be the person or instution with first hand knowledge in this case the bankruptcy court itself. 

I have documentation from the court house saying they do not verify records with any 3rd parties or credit bureaus. ( see attached letter ) Not only that under the FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) concerning 3rd parties or anyone pertaining to this particular situation I would have to give written consent and permission for them to report this on my credit file.. I have not consented to anyone posting this subterfuge. Not only is this information inaccurately reporting.. It is ILLEGALLY reporting. 

So I disputed with the credit bureaus again on XX/XX/XXXX exercising my rights under the FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate and verify this item. They have not respond and it has now been over 45 days. 

According to the FCRA in order for Credit Bureaus to report information on my file it MUST be 100 % Accurate and True. 

This inaccurate bankruptcy showing up on my credit report has caused me pain and suffering and has prevented me from obtaining credit to make a living for my family. 

I demand direct proof of the accuracy of this Account according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) or delete the bankruptcy from my credit report according to FCRA, Section 609 a ( 2 ). 

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 2019-04-30 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: FL

Complaint narrative:
balances still wrong!!!!! Impact to my FICA scores- can not obtain mortgage- late reporting- what a sham these agencies should be shut down if they can not report real time information! Amazingly that is done for negatives FACT! A number of opened disputes they are working on still show incorrect information even though corrections and updates were faxed to them the date of the payments!!!!! In my opinion a negative! Rates and terms usurious. Opinion by experience and fact- A major sham perpetrated upon the American people to keep them indentured. Honor and ethics REALLY and if not is this an example of educated capable people? 
REALLY- how long does one have to wait?????? 
error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to Experian to be recorded on your credit report. We'll update your balance as soon as we receive your payment information from your creditor. 
HOW about fixing my wife 's file as well that is crewed up because you keep everyone linked that is married. Another favorite of yours!

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 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied online for the XXXX XXXX XXXX Account on XX/XX/2019, provided the requested information, and account opened same day. One day later, the account was closed and I received a letter in the mail with no explanation why this action was taken, rather just the fact that the account had already been closed and that this decision is final. The letter also stated in the future I wouldn't be able to open an account with Bank of America. I have been a Bank of America customer for two years, and I feel this action is unjustified and ill-advised as no reason was given, eliminating any possibility of incorrect or inaccurate information Bank of America may have been acting on from being rectified.

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 2019-04-30 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: GA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company believes I went to the hospital in late 2015, but I have no records or numbers confirming this. At that point, I was never at the hospital, and it has appeared on my credit report four years after that supposed visitation. I would like it removed from my report, as I feel I was wrongfully charged. I even looked at the website to try and figure out why this was happening, and nothing seems user-friendly, nor does it offer an efficient way to handle this situation.

Company response to consumer: Closed with explanation