vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I applied for a loan modification 37 days prior to a XX/XX/2018 foreclosure sale date - I demanded that the sale date be cancelled according to the dual tracking clause on the regulation x law- Shellpoint did not do that. Mid XXXX I was notified that a modification had been approved and the sale date placed on hold. I accepted the modification with 3 trial payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Shellpoint has  reset another foreclosure sale date of XX/XX/2018 even though a modification has been approved and I am planning to pay in XXXX. So far my home was advertised 4 weeks in XXXX and now is being advertised 4 weeks in XXXX even though I have been given a modification. According to Shellpoint s letter which stated they would not do same. Also according to their letter, the first payment is due XX/XX/XXXX, and if not paid by the end of XXXX, the modification would be cancelled. that means that I can actually pay on XX/XX/XXXX. I do not trust Shellpoint with a foreclosure sale date of XX/XX/XXXX. With those terms they may reset another foreclosure sale date in XXXX, and XXXX advertising my home another 4 weeks each month - that could be a total of 16 weeks falsely advertising my home with foreclosure sale dates while I am making payments. I believe this is illegal and have spoken to an attorney - it is very stressful for me to face this type of illegal action. I am Demanding that XXXX be honorable and cancel the XX/XX/XXXX sale date

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX I received a debt collection letter from Suburban Credit Corporation, XXXX. XXXX XXXX, XXXX, XXXX XXXX. 
The Letter stated that I owed {$81.00} for a Year XXXX debt associated with XXXX XXXX XXXX. I'm assuming that this Center is in XXXX. I lived in XXXX  until XX/XX/XXXX. However, I never received notice of this debt in XX/XX/XXXX nor XX/XX/XXXX when I moved from XXXX back to XXXX. I never received notice of this debt while living in XXXX after moving from XXXX. 

I wrote two Letters one dated XX/XX/XXXX and the other dated XX/XX/XXXX in response to the debt collection letter. I essentially stated that I was never aware of this debt and that the stature of limitations had expired for collection of this debt. 

I have not received any correspondence back from Suburban Credit in reply to my letters, to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX and equifax showing my mortgage closed. i have never stopped making payments. i have copy of payment history up until XX/XX/2018 2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Department of Education and I had a communication lapse. I had moved and received absolutely no notices about the student loan. There is only one ( 1 ) student loan. I was called at work one day in early XXXX. Suddenly they were garnishing my check for the student loans. I was never given the opportunity to apply for Income Based Repayment, Hardship, or forbearance. They have be garnishing my wages ever since. They are paid approximately 15 % of my check every two weeks for over the last 5 years.

They are reporting 9 different accounts on my credit report of which 4 they are  reporting as collection accounts and show the last activity in XX/XX/XXXX. 
Here is an incomplete list of the discrepancies they have shown on my report despite me trying to correct them : 1- There is only 1 and they have reported 9 accounts.

2- The account has had payments made every single month for the last 5 years. They do not reflect this. 
3- They list numerous account numbers.

4- I have never been given the opportunity to apply for forbearance or any program to help me deal with them.

I did speak to one person who told me that if they took it out of garnishment the payment would be higher which I could not afford. I was never contacted prior to the garnishment.

I have spoke to Transunion, XXXX and XXXX and let them know there were more than one duplicate and that it was being reported correctly but there was no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: CA

Complaint narrative:
Department of Education and I had a communication lapse. I had moved and received absolutely no notices about the student loan. There is only one ( 1 ) student loan. I was called at work one day in early XX/XX/XXXX. Suddenly they were garnishing my check for the student loans. I was never given the opportunity to apply for Income Based Repayment, Hardship, or forbearance. They have be garnishing my wages ever since. They are paid approximately 15 % of my check every two weeks for over the last 5 years.

They are reporting 9 different accounts on my credit report of which 4 they are  reporting as collection accounts and show the last activity in XX/XX/XXXX. 
Here is an incomplete list of the discrepancies they have shown on my report despite me trying to correct them : 1- There is only 1 and they have reported 9 accounts.

2- The account has had payments made every single month for the last 5 years. They do not reflect this.

3- They list numerous account numbers.

4- I have never been given the opportunity to apply for forbearance or any program to help me deal with them.

I did speak to one person who told me that if they took it out of garnishment the payment would be higher which I could not afford. I was never contacted prior to the garnishment. 

I have spoke to XXXX, Experian and XXXX and let them know there were more than one duplicate and that it was being reported correctly but there was no 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 non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
I started writing XXXX XXXX XX/XX/XXXX about this debt listed on my credit reporting asking them to validate the debt they say I owe in the amount of {$4200.00} for a phone bill. They informed me via response that they spoke with my wife. Which i never been married. About this account that am disputing. They sent back a itemized bill which is NOT validating the debt. On XX/XX/XXXX i wrote another letter to them asking them again to validate the debt in the amount of {$4200.00} they sent back another itemized bill on XX/XX/XXXX which is NOT validating that debt. On XX/XX/XXXX, it is notated that they received my letter but still could not produce validation bearing my signature. Per FCRA, I requested a debt validation bearing my signature to prove i owe this debt, they have not been able to send this to me. Per the Federal laws, it is my right to validate any debt from a collection agency. Furthermore, when i searched Illnois laws, this collection agency isn't even bonded or licensed to collect a debt in this state. I request full removal of this debt associated with any of the credit reporting agencies ASAP

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 2018-06-06 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
XXXX, XXXX  and XXXX all have been sent a request to investigate on these creditors that are on my reporting. Also hard inquires companies i have no clue about. I have been on a clean streak with trying not to get my credit up and have not open any accounts for these past couple years. but for some reason. these hard inquires have been showing up on my reporting and i dont know why they have not been contacted by the 3 main credit company about this. 

Also XXXX XXXX duplicate reporting for the same company is on my report i had only one account with XXXX XXXX XXXX. 

XXXX XXXX XXXX - XXXX XXXX - No idea who these people are file a couple dispute with XXXX  and XXXX. still nothing. 

XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - Apartment - i returned keys already but they sent me to collection and damage my credit for keys that have already been returned.

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 2018-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
I received mail about a unpaid debt, I called them and disputed that there was some mistake. Then on XX/XX/2018 the account showed up on my credit report ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I signed up for a loan due to a financial emergency. I was unaware of the 65 % interest. Which is a predatory loan if im mistaken. This loan was taken last summer. Ive paid XXXX a month for a year and still have a balance of of almost the entire loan still.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I had a different account at coinbase that had money in it. My phone got torn up so I was unable to retrieve my account without a two-factor authentication code which could only be used on my phone which i did not have. i had a different phone that was not linked to this account. So i called the company and they said there was nothing they could do at this point, they would have to have their specialists look at it. which they did not! I even gave them the new phone number so the money could be transferred to a new account with my new e-mail. Ive have called numerous times since this happened and they give me the the run around. that they need a specialist to look at it and there is nothing they can do at this time. How long does it take to transfer money into a different account. Ive went to the hospital to deal with my XXXX and XXXX this has caused me. I just want my money back, even though its ony {$110.00}. They have caused me to lose money when cyptocurrencies started to go down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: IN

Complaint narrative:
I recently was going through a divorce and found out that my ex-husband was not paying my credit card bill my credit cardbill. And it was fairly delinquent I contacted the company made arrangements started making {$75.00} a month payments and they were hitting me with a {$38.00} late fee every month and interest on top. I have called them my payments went up to 90 some dollars a month still were hitting me with the late fees and interest started sending me harassing letters Im finally up to {$200.00} a month and Im still getting letters from the company theyre still hitting me for the full interest and the {$38.00} a monthly fee because my credit is still past due even know I making the payments before the bill is due. I am barely affording to put food on the table for my child but I managed to pay them {$200.00} a month when all the other credit card companies will work with me for little payments and then drop my interest-rate hardly nothing and removed all late fees if American Express would take off all the late fees and drop my interest my payments would become very reasonable and I could pay off the debt but they are unwilling to work with me at all all they want is more money and they just keep threatening me to collections. They hit me with a {$38.00} fee and almost {$100.00} a month in interest so you see that my balance is not going to come down quickly at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Hello i applied for a credit card on XX/XX/2018 and i was told to call a credit dept and i spoke to a young lady and she told me she had to call me back because my credit report had fraud alert on it and i never received a call back from barclays credit dept and i waited a hour and i called and they told me there systems are down around XXXX central time and i waited another hour and i called back and spoke to a fraud dept i was denied and they didnt give me a reason the customer rep was rude to me my application XXXX that is my number ... XXXX i was told the reason why i was denied because i had 5 other appications on file with barclays and i explain the fraud dept i didnt fill them out and i would have to wait 90 days to reapply and also i spoke to the credit dept again i was giving a different answer it beacuse i had too many new accounts open and i already closed all my loans down and paid all my account in full

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 2018-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Colony Brands, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX  BOTH HAVE MERGED OUR TWO ACCOUNTS IN 1. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ARE MERGED TWO

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NH

Complaint narrative:
Mr. Cooper Mortgage company was renamed from NationStar Mortgage LLC XX/XX/XXXX.

Nation Star Mortgage LLC had paid my correct Property Taxes since XX/XX/XXXX.

My Property Taxes were not paid from my escrow account to the City of XXXX NH on the two dates : XX/XX/XXXX and XX/XX/XXXX. However, Mr Cooper paid from my escrow account to the City of XXXX NH on the above dates to an incorrect Property ID located in the same city. The incorrect dispersment to the wrong Property from my escrow account : XX/XX/XXXX ( {$160000.00} ) and XX/XX/XXXX ( {$1600.00} ) Mr Cooper had evaluated my Escrow account XX/XX/XXXX that my taxes had decreased of which I disputed by the Tax bill I had received from the city - I did email/faxed them the tax bill again.

I received a Notice of Tax Delinquencies and Unredeemed Tax Liens XX/XX/XXXX.

The Taxes owed on my Property are : XX/XX/XXXX ( ' {$2600.00} ) and XX/XX/XXXX ( {$2600.00} ) I called Mr Cooper customer service XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - spoke to multiple agents, faxed & emailed documents ( including Tax Bill, Notice of Tax Deliquency letter, past tax bills, Print out of Taxes owed from City of XXXX ) The agents reported to me that the Property ID number they had was correct, the tax department had spoken to the City of XXXX tax office to confirm they were correct.

It wasn't until XX/XX/XXXX that Agent XXXX gave me the Property ID number which was incorrect as reported on my Tax Bill ( and all previous Tax Bills ).

Mr Cooper mortgage statement XX/XX/XXXX made a second payment to the incorrect Property ID number after the many phone calls to Customer service agents to resolve this.

I spoke with agent XXXX onXX/XX/XXXX and XX/XX/XXXX about this incorrect ( error payment ) from my escrow account - he said that I had to prove the Property ID number on my tax bill by emailing the attached Tax bill and past bills ( as far back as I had them ).

As of today, XX/XX/XXXX - I spoke with agent/XXXX no resolution of this Escrow error ( payment to the wrong Property ID twice ) has been resolved.

XX/XX/XXXX, I faxed the documents ( Letter of Tax Deliquency, Tax Bill, Property Record Card, and other documents ) to the Complaint department & the Tax Processing Department. I have also mailed copies to each of the above departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CO

Complaint narrative:
I was living at XXXX XXXX XXXX in XXXX XXXX until a month before XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are given to soldiers a month or 2 before XXXX so soldiers can get out of leases and turn into certain creditors for lower interest rates during a XXXX cycle. I received my XXXX XXXX   on XXXX XX/XX/XXXX and turned them into the office at XXXX XXXX. They did not honor my XXXX XXXX. I continued to clear my apartment in a timely manner and had paid first and last months rent upon moving in. To include a security deposit that would have covered any cleaning upon me leaving. I did not receive my security deposit back and paid my pet fee to the front office. My mother co-signed the lease with me and this is on both of our credit reports for over 6k in fees. For one the apartment complex never contacted my mom or myself before leaving in XX/XX/XXXX. The debt was sold to a collection agency while I was XXXX, and me and my mom have been dealing with harassing phone calls ever since. My mom started receiving calls shortly after me leaving and she asked the collection agency ( Hunter Warfield ) to provide a by name list of charges against me. She did not receive a by list charges until XX/XX/XXXX ... .and over a thousand dollars in interest charges from a collection agency we had no contract with. My mother has sent to me the bills they have sent as well as the by name list of charges in which I find to be totally fraudulent. I should never of had a fee for last month rent because I paid first and last month before moving in, I also accrued fraudulent cleaning charges that my security deposit would have covered, I also should not of had a lease termination fee of over XXXX with XXXX XXXX. Not to mention pet fees and so on. The list is crazy. To think this is how companies operate and treat deploying soldiers. And then sell the fraudulent debt to a head hunting collection agency on fraudulent grounds. And then to have fees of over 1.5k from a company you never had a contract with and bought this fraudulent debt on pennies to the dollar. To get this rectified would be wonderful. I have tried disputing with all three credit bureaus with no luck. I truly feel this is my last step to get this resolved. I am a father of five and can not purchase a house for my family because of this on my credit report. I am almost XXXX and have never owned a home for my family. Please help this XXXX veteran clear me and my mothers name in this matter. Supporting documents follow ...

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX have failed to report my XXXX XXXX credit card account which reflects positive payment history and could help raise my credit score and lower my credit card utilization. The account number for the XXXX XXXX XXXX credit card is XXXX. The account was previously reporting at both bureaus but it was deleted in error and never corrected. I have called each credit bureau several times to reconcile the situation but they continue to blame XXXX XXXX for lack of reporting. However, XXXX XXXX XXXX sent me documentation in the mail on 2 separate occasions proving that they have been reporting accurate information to all 3 credit bureaus. The XXXX XXXX credit card referenced above is accurately being reporting on my XXXX credit report yet these two bureaus refuse to correct their mistake. I demand that the bureaus be required to report accurate information as stated by the Fair Credit Reporting Act or I will be forced to seek legal action immediately for the damages incurred and for being unfairly denied credit due to their negligence!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
They are reporting incorrect information showing i am late paying back when I am in the process to finish school. I have not graduated yet and they showing and reporting I am late and it is effecting all three credit reports

Company response to consumer: Closed with explanation