vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MA

Complaint narrative:
XX/XX/XXXX foreclosure auction saleXX/XX/XXXX XXXX XXXX servicer {$370000.00} owed sinceXX/XX/XXXX due to NO Bank/Mortgage servicer being legitimate! So mo payments made almost 12 years XXXX XXXX dismissed foreclosure XX/XX/XXXXdue to no valud deed mo promissory note!

XXXX XXXX is trying to foreclosure sale auction XX/XX/XXXX so we filed in Superior Court to stop til XX/XX/XXXX granted Lawyer for faye offered loan modification in court to stop sale!

We have had free legal help n now trying to work with XXXX XXXX to help on our behalf for loan modification Faye does not have legsl paperwork!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX   XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BB&T CORPORATION
State: GA

Complaint narrative:
On XX/XX/2018, an online payment in the amount of {$100.00} was sent to my checking account at BB & T.

On XX/XX/2018 I received a letter from BB & T Adjustments Department that my account was debit in the amount of {$100.00} onXX/XX/2018. I call the local bank on XX/XX/2018 to express my concerns because I believed that it was an error. BB & T requested a copy of the letter I received. I sent a copy via email on XX/XX/2018. BB & T assured me they would call after researching the issue. On XX/XX/2018 I call an XXXX  number provided on the letter. They told me that the amount that hit my account in error was from a cashier 's check made to another company. I asked where was my online payment of {$100.00}. They said that they did not receive it. I called XXXX XXXX XXXX XXXX ( XXXX  ), the party who sent the online payment. XXXX said that it was sent and they said they would open a case and send it to BB & T. I was able to see the paper trail where XXXX did send out the payment. On XX/XX/2018, I made a visit to the local BB & T and they stated that they did not receive the payment and said that I needed to talk with XXXX. I gave them a copy of the online payment disbursed onXX/XX/18, a call was made but they only verified what I was just told that BB & T had not received the payment. I have received a call and a written notice that may BB & T account has a negative balance and threat to report me to 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 2018-10-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Recently, our mortgage account was transferred from XXXX XXXX XXXX XXXX to Caliber Home Loans. Caliber Home Loans have rejected our payment claiming that the amount due is {$45000.00}. We entered into a contract with previous servicer and is therefore binding. I have attached the repayment agreement on which i have abided by terms under the new contract. The contract states the repayment plan expires on XX/XX/XXXX, yet caliber Home Loans are requesting an amount the does not comply with our contract. Caliber Home Loans have engaged in Floridas deceptive business practices. The servicer continues to deny that such contract exist and moving forward with the foreclosure action. On XX/XX/XXXX, i have been making payments timely accordantly to the contract, however the foreclosure case was never dismissed. When a defendants enters into a repayment plan the foreclosure action must be dismiss because the defendants have entered into a loss mitigation agreement with servicer. The foreclosure action has not been dismissed and Caliber is seeking a sale date yet i have been making timely payments since XX/XX/XXXX. We ask the Consumer Financial Protection investigate this matter, it is clear on its face that Caiber Home Loans have engaged in Fraudulent banking and business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I called XXXX XXXX XXXX ( XXXX card ) on XX/XX/2018 and XX/XX/2018 for a credit increase both times I told the representative not to run my credit report. However I received notification from the credit reporting bureau that I have a hard inquiry. I clearly told the reps not to run my credit. I called XXXX and was advised that they did not run my credit report but this is not true I have 2 hard inquiries.

This is a fraudulent business practices. They also stated the calls are recorded so they can be pulled

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I applied for a credit card. It was denied. Transunion score - XXXX. I have another score for Transunion of XXXX. XXXX - poor - XXXX - fair. The other two agencies XXXX  and XXXX are in the XXXX range. My score has been going up steadily in the last year except for the XXXX score which has not changed. I called Transunion but got no answer on this matter. Thank You. 
XXXX Credit Card. XX/XX/2018.

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 2018-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TriVerity, Inc.
State: MD

Complaint narrative:
I have attempted to resolve the debt and we could not come to an agreement. The debt collector has started calling me at work. I have told him twice that I can not receive personal calls and may lose my job. When I said " DO NOT call me at work! '' he said " that is not an option ''. He states that he is a representative of XXXX XXXX  to persuade my co-workers that is an urgent matter concerning my insurance. This is a lie and deceptive practice. While the creditor is XXXX XXXX  he is the debt collector NOT the creditor.

His Name : XXXX XXXX  Company he works for : CU Recovery His phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
Multiple Requests submitted

for Request for Mortgage Assistance/Workout/Modification. Multiple correspondence to request for adjournment to a later date to have review of RMA. Denied due to 37 days or less from sale date. Denied in writing regarding adjournment and then the plaintiff does grant an adjournment prior to the written notification. No one notifies me until after I called several times and corresponded through email and through a complaint on this portal ( CFPB ). Received a new sale date ofXX/XX/18 still less then the 37 days law to review an RMA. Why adjourn for 28 days and not the 37 days? Use my adjournment at the XXXX  County SHeriff 's office on XX/XX/18 to have the date moved to XX/XX/18. This moves the sale date 56 DAYS from the sale date. More then enought time to review and workout the loan modification. Submit all pertinent information with another formal request for a review of an RMA on XX/XX/18. Submit the XXXX County new sale date to show the date has been moved to XX/XX/18. XXXX XXXX from attorney 's office XXXX ( XXXX  hired attorney ). FIRST CALL from their office after many non returned calls and/or correspondence. She was calling to let me know NOW the new sale date they postponed till is XX/XX/18. This was set onXX/XX/18 and only receiving a call to notify me on XX/XX/18. Explained the situation but the attorney just reminds me they are only hired for the foreclosure and the decision is on behalf of the bank. Just reminds me to call SLS again to make sure they have my new sale date and to request a workout with them. Called SLS Yesterday XX/XX/18and spoke to a representative XXXX to ensure the documents that were received AGAIN ( 2nd request ) for the RMA request and workout. Please note that I have been using the same email address to correspond to SLS and had no issue prior of them uploading requests and documents into the system. As of yesterday the documents and request below that were sent at XXXX XXXX on XX/XX/XXXX were not uploaded or even documented that they were received. I find this very frustrating and unfair as I have been told by numerous SLS customer representatives that it takes 24 hours then you will see the items in their system. It was over 48 hours and still nothing. Why???? I fill the bank XXXX/SLS are not be fair to me the consumer for this loan. This is a not fair housing opportunity to have a workout/modification for the loan on the property. This is yet another attempt to have a FAIR review since NJ CItizen Action Agency and I have worked on the financials and are confident that the loan can be brought current and the bank can have the money owed to them if a modification is put in place.

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 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  client XXXX XXXX is a victim of identity theft. She has experienced ongoing issues of fraud using her SSN without her consent. She previously placed an extended fraud alert on her credit reports however she took the additional measure and placed a credit freeze with the bureaus. Of the freezes Experian has not provided her any information concerning receipt of her request that was mailed certified, return receipt ( USPS tracking XXXX XXXX XXXX XXXX XXXX XXXX   received XX/XX/2018 ). In an effort to contact Experian, she called the number for the customer service for Experian ( XXXX ) and even though the number was supposed to allow contact to a live operator, no such contact was ever made. Experian has not given an update as to the positive confirmation of receiving the request for credit freeze on behalf of my client nor have they provided a PIN needed to initiate and remove the freeze. This action is a violation of the FCRA and my clients consumer rights.

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 2018-10-25 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX  and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2018-10-25 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: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
According to my XXXX  credit report an hard inquiry was made on XX/XX/2018 from someone within this company. I sent them a letter that I've attached below that stated that I would like for them to provide me with proof of the given authorization that gave them the right to pull my credit on that specific day. Instead of complying with my requests someone within their company pulled my credit again without my authorization on XX/XX/2018. I called and left a message for XXXX numerous times and never received a call back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 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.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX   XXXX account for months. XXXX and XXXX   have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX. on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX {$2400.00} not mine, no knowledge of accounts hippa violations

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 2018-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TD BANK US HOLDING COMPANY
State: MI

Complaint narrative:
I have a charged off Nordstrom Credit Card from XX/XX/XXXX. Nordstrom sold this debt in XX/XX/XXXXto a collection agency called XXXX XXXX. I called Nordstrom to offer a settlement but they told me I need to work with XXXX XXXX Ok, no problem. However, each month, Nordstrom ( not the collection agency ) is updating my credit report to reflect a balance due on a closed, charged off, sold account that they will not accept payment for. Each month they update " FP '' or " Failed to Pay ''. This is a misrepresentation. I am not currently failing to pay Nordstrom as they do not own the debt any longer and will not accept payment for it. The Nordstrom representative told me that Nordstrom handles the credit reporting while XXXX   owns the debt. This is a violation of FCRA and a purposeful way to have a harsher impact on consumer credit scores as this is factored into utilization. The collection agency owns the debt and is therefore the only one with rights to report it. Nordstrom updating this information each month is a way to leverage credit impact over the consumer instead of having the collection agency report it themselves. I want Nordstrom to stop updating this information each month inaccurately as " FP '', update to a XXXX  balance, and remove the FPs in each prior month the debt was owned by the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: PA

Complaint narrative:
XXXX  Complaint XX/XX/XXXX I have had a loan with XXXX   sinceXX/XX/XXXX. I changed jobs on XX/XX/XXXX. My paydates changed and I was now getting paid on the XXXX   and XXXX of the month. I immediately contacted XXXX to advise them of the change in my paydates. I spoke with several employees there and was told to send then a letter from my boss showing my paydates and I would be fine. My loan still has not been adjusted.The paydates XXXX   has me on shows my payments scheduled a week or more before my actual paydate. During some months with 5 weeks XXXX expect me to make a payment. How when I get paid semi-monthly. When I had extra money I had no problem making those extra payments. I don't have the extra that's why I asked to change my due dates. XXXX the Account Manager says repeatedly XXXX  don't change dud dates. She continues to refuse to change it, but they consistently call me for payments and I hadn't gotten paid yet. I only have 1 year left to payoff my loan. Now this will be my 2 payoff auto loan with XXXX. I am only asking for my due dates to be changed to th XXXX  and the XXXX ; witch are my paydates. Thank you for your assistance with this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
Radius Global recently reported a medical bill on my credit report. Prior to reporting this bill on my credit report, they did not send me a 30 day notice to dispute. I am certain my insurance paid this bill, yet I was never given the opportunity to address this issue before Radius Global reported this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, It occurred to my attention that I have four inaccurate hard inquiries incurred on my account without my knowledge or consent or by error in the last year. These inquiries have affected my credit standing despite its clean history. These are the following inquiries that I don't recognize and which I hope you could kindly help fix and remove from my credit reporting : XX/XX/XXXX : an inquiry from XXXX XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.

XX/XX/XXXX : an inquiry by informative research. I don't recognize this inquiry nor have I applied to any service of such type this year.XX/XX/XXXX : an inquiry by XXXX. I don't recognize this inquiry nor have I applied to any credit of such type this year.XX/XX/XXXX : XXXX XXXX XXXX. This was a collection inquiry that was resolved and removed per complaint no. XXXX submitted on XX/XX/XXXX to CFPB after finding that it was filed on my behalf upon incorrect information.

The only inquiry I recognize from the last two years is my application to XXXX XXXX  load on XX/XX/18.

I kindly ask you to investigate these inquiries, report them to the bureaus and do all necessary actions to remove them from my record as I have no knowledge or consent on their submittals.

Thank you for your consideration.

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 2018-10-25 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: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I have disputed the late payments on this XXXX XXXX XXXX account for months. XXXX and XXXX   have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was  received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX  on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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