vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I was on the HAMP with XXXX and after 5 years of 2 % interest rates my mortgage was to increase after 5 years 1 % a year until it max at 4.25 then it would remain fixed. Then my mortgage was transferred to XXXX XXXX XXXX and my loan % rate increased..they said they would follow up ... and never received a call back nor could I get in touch with anyone.. Now my mortgage has been transferred again to Select Portfolio Servicing and now my fixed rate had gone up again to 4.875 %. Im XXXX years old and I feel that Im getting no where with these company and Im on XXXX and have to chose what gets paid and what I cant eat this month to pay this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, PC
State: GA

Complaint narrative:
We originally opened an account with XXXX in XXXX XXXX for {$550.00} and paid down the account balance extensively during that time up to the point of our daughter being hospitalized for 34 Days including XXXX for a major life-threatening medical issue and tried to pay through mid XXXX but could not make payments due to our daughters extenuating medical condition and financial circumstances due to a major job loss as well. This information was communicated repeatedly to XXXX XXXX and XXXX and was denied the access to receive a Hardship Program under the Credit Card Protection plan which would have released this debt. We were discriminated against in the process because we are XXXX XXXX-Americans and also U.S. Veterans who have served our Country well. Other Majority XXXX citizens are not treated this way and that is a proven fact based on statistics and research in the area of Credit Card Protection and Hardship Programs offered to them as opposed to XXXX XXXXAmerican U.S. Citizens. 

I also reached out to the XXXX XXXX XXXX  who XXXX XXXX sold the account to and raised concerns regarding the account balance and inflated interest rates and late charges which were incorporated into my account illegally. XXXX XXXX utilized false Misrepresentation tactics when they denied us access to the Credit Card Protection Plan and illegally denied us access after I was told to raise the concerns in XXXX when I reached out to them amid my daughter being released from the hospital. I also sent them a letter in XXXX of XXXX as well regarding our financial extenuating circumstances. I also raised the concerns regarding the Credit Card Protection Plan in the portal which were instructed to do by a Customer Service Representative for XXXX XXXX. However, no one reached out to us to resolve my concerns with this matter and it still has not been resolved to this date. 

Also, I requested that Ragan & Ragan Law firm to reach back out to XXXX   regarding a reconciliation account payment register and was denied this information today as well. We do not owe this debt because we were denied access to the Credit Card Protection Plan and we exhibited an extenuating Medical Circumstance regarding our daughter and was denied debt forgiveness, although XXXX and XXXX have forgiven others of their debt even without a Credit Card Protection Program with this type and/other extenuating medical circumstances. They just refused to release ours because we XXXX XXXX-Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I asked for a delay in payments. it was granted. late payments were reported during delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MS

Complaint narrative:
Identify theft Amount : {$340.00} Collection : AFNI, inc Contact : XXXX This dispute was settled. I was a victim of identity theft. It was settled with XXXX XXXX by phone XX/XX/2018. Myself, XXXX, and XXXX XXXX was on 3 way. I don't know why is this showing on my credit report. It should not be in collections. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I had signed on my XXXX XXXX account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/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 explanation
Consumer complaint received 2019-07-17 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:
Hi, I initially saw an entry on my Credit Report and submitted a dispute to Experian. I later learned from Experian that the information would not be removed and that XXXX XXXX proved that the debt was valid including date and amount of debt. 

On XX/XX/2019 I contacted Experian at XXXX in regard to a collections account on my Credit Report that was reported to them by XXXX  XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX, FL XXXX in XX/XX/2019. I initially spoke with XXXX in the Dispute Department at Experian and requested that Experian provide me with the information that was supplied to them in order to support or substantiate the claim that XXXX XXXX XX/XX/XXXX, XXXX made in regard to a debt. It was then explained to me by XXXX that they did not have that information and they only request that the Enhanced Recovery confirm the information. 
XXXX also stated that because XX/XX/XXXXXX/XX/XXXXis a subscriber they sign an agreement or contract that says they will be honest when a dispute request is made and added that it was more complicated than that but that's how it works. I then asked to speak with a supervisor and spoke with XXXX who states that XXXX was not accurate that they do have privilege to the information, just not in the Dispute Department and that there is no contact with that department or information that Experian received that can be provided to me it had to be obtained via the Federal Trade Commission.

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 2019-07-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: SC

Complaint narrative:
Repeated calls from National Enterprise Systems trying to collect information on someone else. They have called my daughter and mother also trying to get information. We have no debt with them.

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 2019-07-17 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: Real Time Group, Inc.
State: NC

Complaint narrative:
Unfortinately due to divorce jobless XXXX but now back on feet. i became behind on loan with XXXX XXXX XXXX for {$35000.00} which i have had since XXXX. 15 years and nowhere near able to pay off a predatory loan. So during the time i was getting back on my feet i was notified that my loan had been transfered to collections to Real time resolutions. i started contacting them. The big problem has been a continuious issue with credit reporting between XXXX  and RTR due to they are linked companies. I have kept a good payment record with RTR but the problem was XXXX would be reporting wrong if i disputed my credit accounts 2017-present. XXXX is a closed account but when it was disputed all the sudden the account had a {$35000.00} balance on a closed account. this was dropping my credit score down to 500 's .After several months of fighting between XXXX and credit bureaus i got that issue fixed. for the moment! 
Now to my big issue. XXXX is reporting late payments to date on their closed account with me. This was transfered to XXXX in XX/XX/XXXX. how is this possible?? XXXX credit report shows on time payments. i have fought this abt from beginning of XXXX. i was calling back and forth between XXXX and credit bureau 's and three way. no progress in fixing situation. Even with faxed letter from XXXX  with filed dispute and XXXX own investigation with XXXX  investigation without change! six months of dropping credit scores. This kept me from refinacing several times last time with XXXX XXXX. i find keeping credit scores down is purposefully done to keep the preditory loan inplace to make nothing but interest and loan that can never be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called Performant Recovery Corp. to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was unauthorized.

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 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
My credit card company issued a refund in error. I didn't know about it. They issued a statement requesting I repay it but I did not get the statement. They started charging me late fees and interest on a refund that they issued in error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
Quicken Loans failed to notify us of a deficiency in our escrow account for over 7 months. Rather, they notify us by mail that our mortgage is going up hundreds of dollars -- their excuse? " We have 2 million loans and don't always catch an unorthodox tax spike. '' Had they notified us, we would be able to fix the discrepancy with the real estate tax but because they waited so long, the consumer suffers. Being a big company is no excuse for abiding by RESPA, nor is it an excuse to engage in predatory lending behaviors and unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
We originally opened an account with Lowes in XXXX XXXX for {$550.00} and paid down the account balance extensively during that time up to the point of our daughter being hospitalized for 34 Days including ICU for a major life-threatening medical issue and tried to pay through mid XXXX but could not make payments due to our daughters extenuating medical condition and financial circumstances due to a major job loss as well. This information was communicated repeatedly to Synchrony Bank and Lowes and was denied the access to receive a Hardship Program under the Credit Card Protection plan which would have released this debt. We were discriminated against in the process because we are XXXX XXXX and also U.S. Veterans who have served our Country well. Other Majority XXXX citizens are not treated this way and that is a proven fact based on statistics and research in the area of Credit Card Protection and Hardship Programs offered to them as opposed to XXXX XXXX U.S. Citizens. 

I also reached out to the XXXX XXXX XXXX who Synchrony Bank sold the account to and raised concerns regarding the account balance and inflated interest rates and late charges which were incorporated into my account illegally. Synchrony Bank utilized false Misrepresentation tactics when they denied us access to the Credit Card Protection Plan and illegally denied us access after I was told to raise the concerns in XXXX when I reached out to them amid my daughter being released from the hospital. I also sent them a letter in XXXX of XXXX as well regarding our financial extenuating circumstances. I also raised the concerns regarding the Credit Card Protection Plan in the portal which were instructed to do by a Customer Service Representative for Synchrony bank. However, no one reached out to us to resolve my concerns with this matter and it still has not been resolved to this date. 

Also, I requested that XXXX & XXXX XXXX firm to reach back out to Lowes/Synchrony regarding a reconciliation account payment register and was denied this information today as well. We do not owe this debt because we were denied access to the Credit Card Protection Plan and we exhibited an extenuating Medical Circumstance regarding our daughter and was denied debt forgiveness, although Synchrony and Lowes have forgiven others of their debt even without a Credit Card Protection Program with this type and/other extenuating medical circumstances. They just refused to release ours because we 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 explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To whom it may concern, I had signed on my XXXX XXXX   account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I had signed on my XXXX XXXX account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/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 2019-07-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: IN

Complaint narrative:
On XX/XX/XXXX, three days before my agreed-upon rehabilitation payment of {$640.00} was due, I called XXXX XXXX XXXX to explain that my financial situation had changed and that I needed a new audit of an income-based payment. A service representative indicated that they would cancel the payment on the XXXX, and re-audit my income and expenses to formulate a new payment, advising that a payment wouldn't come out until they reached a new amount. On XX/XX/XXXX, a date not authorized for a transaction, {$640.00}, an amount no longer authorized, was withdrawn from my personal checking account. I'm told on XX/XX/17 that amount was withdrawn in error, and that they are re-issuing a refund that won't be processed for 60 days or so. The debit on my account left my checking account negative and was unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: OK

Complaint narrative:
On XX/XX/2019 I requested a payoff quote for my HELOC. I received a quote of {$950.00} along with wire transfer instructions to payoff and close the account. On XX/XX/2019 I executed the wire transfer per Specialized Loan Servicing direction through my local bank. The payment was withdrawn from my account on XX/XX/XXXX. On XX/XX/XXXX I became concerned because my HELOC had not been credited or closed. I called SLS and was instructed to have my bank fax proof transfer to SLS. My bank did and I as well sent an email copy to SLS with proof of transfer.On XXXX my HELOC still did not reflect the payment so I called and spoke to SLS customer service supervisor XXXX who indicated to me that he had the Fax from the bank and the email from me proving the transfer and he would expedite the payment with the Cash Office and should be resolved no later than XX/XX/XXXX. XXXX gave me his direct number XXXX. XXXX the payment still had not been applied so I called XXXX 's direct number, received no answer and left a voice message. XX/XX/XXXX called XXXX again and left a message again, payment still not applied. I left an email via SLS website contact information on their website on XX/XX/XXXX also. XX/XX/XXXX I received an electronic response from SLS saying they researched the wire transfer but could not locate it so they are closing the payment search request and will not be crediting my account. XX/XX/XXXX I spent an hour on the phone with multiple levels of supervisors just to get the run around, XXXX at one point told me I should hire an attorney. At this point the money was removed from my account XX/XX/XXXX, my bank has proved proof of accurate transfer, I have provided proof of accurate transfer, XXXX and XXXX as well as several other customer service agents have verified that they have seen proof of accurate wire transfer for the payoff amount but my account still has not been credited and closed, in fact they are sending me over due notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: GA

Complaint narrative:
There are 2 medical collections from XXXX that are not mine nor are in my name or as the financial responsible party. The accts are listed as individual accounts, every time I dispute them they will appear again, I have asked for the original wet signature of the doctors application showing I am the holder and responsible party for these accounts, I have yet to receive them. Why? because they don't belong to me.I have advise the collector of this fraudulent violation. I am not responsible for these collections and I will not be held accountable for them! I have consulted with my attorney. This is a hinderance against and my character. At this point I am prepared to sue for court cost, legal fees and time if these are not removed and deleted forever. I am sick in tired of this company reporting fraudulent claims. I only need to find a few people in my position to cause a class action suit.

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 2019-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have noticed Inquires on my report that were not authorized. I was told by a rep they would be removed and were disputed instead of removal. They came back as factual. I was told to call the credit companies which I did and was directed back to Equifax. I was also told since it was fraud to make a police report. Which I also did. They still will not remove this. 
XXXX XXXX  XX/XX/18, XX/XX/18 XXXX- XX/XX/18 XXXX XXXX XX/XX/18 & XX/XX/18 XXXX XX/XX/18 XXXX XXXX  XX/XX/18

Company response to consumer: Closed with explanation