vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
ON OR ABOUT XX/XX/XXXX AND XX/XX/XXXX. WE FILE A COMPLAINT Against TD.Bank about Problem that they need to fix we send our finical statement to the NJ XXXX XXXX XXXX. the report number was CFPB # XXXX And on or about XX/XX/XXXX respond back to consumer Financial protection Bureau CFPB ) states that they has correct the problem but failed to increase the credit that we request XXXX to fix the problem by increase line. yes they gave us our line back of XXXX but that did not fix the problem. this is not a credit bureau problem this is a T.D Bank problem iam request a XXXX increase to fix the problem and the bank do not need to pull the credit because they already pull the credit to cause the problem. in a Letter date XX/XX/XXXX from T.D.Bank they did not address the issue. the after problem from the damage that done. for drop the limit to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
In XXXX, A near XXXX experience occurred during XXXX  XXXX. 
This caused for a 5 month delay in returning to work. 
As I returned to work my pay had been reduced due to a shift change. 
I became behind on my mortgage I formerly applied for mortgage assistance and none of the various servicers who bought my loan would reply. 
I left the home and thought the home was foreclosed. 

Last year I began to receive information from a company called Penny Mac. Turns out the home is not foreclosed after 5 years of non payment. I am in a better place financially and would like to keep my home. In XXXX XXXX, I began to inquire about mortgage assistance. I was told the only way for assistance is if the home was occupied again. 
I paid $ XXXX to restore electricity, clean up home from XXXX, break ins, etc. I communicated with Penny Mac that we are reclaiming possession in hopes of a loan workout. NO FORECLOSURE DATE was scheduled. Due to the City of XXXX XXXX XXXX and Architects it took XXXX weeks to gain clearance for electricity Turn On. 
I alert XXXX we are back in home and ready to start loan mod process XXXX advises the home is scheduled for foreclosure XXXX/XXXX/XXXX. 
I immediately follow instructions from XXXX  representative XXXX and sent in package complete with all items as directed XXXX and XXXX website checklist. I was advised that the foreclosure would be postponed once the package was received and a Special Point of Contact was assigned. 
Last Friday XXXX p.m. XXXX, I was contacted by XXXX XXXX XXXX by phone advising Me that I should give Proof of Hardship within XXXX hours ( request by Investor ) That would mean gain medical records or something from XXXX yrs back over a weekend. 

XXXX XXXX and XXXX advised me to contact CFPB in hopes of making sure that I am treated fairly. I am attempting to repay this debt and keep My Home. 
I am told I am eligible for XXXX XXXX Funds IF the Foreclosure is postponed to give time for application process. I am told I should have been given a Forbearance of payments. 

Bottomline, I ask for assistance for a postponement of foreclosure sale. I have followed the instructions of XXXX, take back possession XXXX $ XXXX invested ), apply for loan mod, and respond promptly. 

Please assist Me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Equifax is reporting a derogatory mark on my credit report. I contacted the creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. ( OFFICE : XXXX TOLL FREE : XXXX ) XXXX, and they said that I was n't liable for this mark and that they were not reporting this to any credit agency. I tried disputing it with Equifax and also opened up a reinvestigation earlier this year that has not been addressed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
I can not get assistance from Caliber Home Loans to address my payment transactions. I have paid my mortgage payment every month. I do not pay monthly, I split my payment and send money orders in twice a month. I pay more than required.
I have asked Caliber in writing and over the phone on numerous occasions-Certified Return Receipt Mail to change my address to my correct mailing address which is my home-the property which I have a loan on.
They have refused to change my address. All of my mail goes to my mother 's address which is where I lived before I purchased my home.
No matter what, they refuse to change my mailing address and they return my payments to my mother 's home which I have no knowledge of until I go to my mother 's home and sift through the junk mail.
The only time I get any resolve is when I overnight letters and payments to the overnight address in XXXX. I wind up putting all the returned money orders and send them directly to the overnight address. But I work long hours and can not always get inside the post office to send a Return receipt overnight package. It 's easy for me to just drop it in the mailbox.
Caliber can see the actual dates of my money orders and the amounts. I have proof of every payment-I pull the money directly from my account on my payday.
My money orders are issued during the same month that the payment is due. I may not pay by the XXXX, but I pay before the month is out-splitting my payments.
I tried to set up my account for automatic deductions from my checking account but the system would n't allow me because it said my account was n't current.
I currently owe for the month of XX/XX/XXXX, but before I send my payment out, I would like help from someone at Caliber to go through my account and change my mailing address.
My taxes and insurance should be paid from my escrow account and my insurance agent just emailed me on XXXX XXXX, 2017 to tell me that my insurance policy was n't paid for by my mortgage company.
I need help. I am very very frustrated. I only owe for the month of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am contacted the CFB regarding XXXX XXXX XXXX, FTC file # XXXX. Company was sent 3 dispute letters by me. XXXX never provided a debt validation or any acknowledgment of it. Instead, they knowingly lied to the FTC and stated that they provided me a debt validation twice, one on XX/XX/XXXX & another again on XX/XX/XXXX. Both statements provided by XXXX were false. I am filing another FTC complaint against company for falsely stating they provided me with enough proof of the debt ( ex : debt validation ) when they did not. Company has mocked the power level and senses of the FTC by failing to do what is required of them by law : provide a debt validation within 5 days of receipt of my dispute letter. However, they sent nothing but a bill and advised me in writing that I owe the debt-NO Validation provided. The company in their response on XX/XX/XXXX complaint # XXXX, stated that prior to receiving notice from CFPB, they never received a response from me, however they signed and received my dispute letter sent certified mail thru usps tracking # 's XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX. I am re-filing a complaint against company for stating they provided me on 2 instance with a debt validation when company did not provide me with anything besides a settlement letter that was a bill, a general statement letter from XXXX XXXX, and a verbal written notice from XXXX XXXX-Division Manger, stating I owe the debt, with a charge-off letter attached. NO DEBT Validation. Company 's like XXXX who fail to comply with the FDCPA when contacted with disputes, to then classify written letters and billing statements as debt validations should be shut down! I did not obtain an account from Victoria 's Secret/Comenity Bank! I have been asking for a proper debt validation that company has failed to provide. Instead, XXXX lied to CFPB and stated they provided it! Wrong & FALSE INFORMATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I filed a complaint against this company a few weeks ago and they responded stating that the information thats being reported on my credit was inaccurate and that they would be requesting to have it removed ; however, that information is still being reported on my credit and its causing my score to drastically drop. I need this fixed ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE LENDERS OF AMERICA
State: FL

Complaint narrative:
We signed a purchase agreement on XX/XX/XXXX to buy a home at XXXX XXXX XXXX XXXX, FL XXXX. The lender was mortgage Lenders of America. The MLOA loan number is XXXX. We were told the closing would be on XX/XX/XXXX. The closing did not occur until XX/XX/XXXX. During the entire process were not advised that any additional time was needed. We were only advised during the last week of XX/XX/XXXX. that a POA was needed because the co-borrower was not in the US and would not attend the closing, which was known by lender. As a result the co-borrow had to travel on short notice from Panama to Florida causing an unexpected travel expense of approximately $ 750.On XX/XX/XXXX the closing did not occur and we were told by the lender it would be the next day and day by day the closing date changed to the next business day. Finally on XX/XX/XXXX the closing occurred. As a result of these daily delays we encountered unexpected hotel and meal expenses of approximately {$1200.00}.
Daily complaint via emails were made to the MLA Loan Officer, XXXX XXXX. I also complete the MLA survey with all the same info and described their services as unsatisfactory, disorganized, not consumer friendly, among other negative terms. MLA made no further contact since the closing. We would like MLA to reimburse us for all the unexpected, unplanned travel, lodging expenses. If MLA is willing to pay those expenses, we will supply all credit card receipts and any expenses not charged to a credit card.

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 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Date open : XX/XX/XXXXAcct # XXXX**** Started the dispute process with XXXX on XX/XX/XXXX - than again on XX/XX/XXXX then again on XX/XX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now 10 years old acct open : XX/XX/XXXX account was apparently from what the rep in XXXX told me XX/XX/XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in India that no really the account was charged off in XX/XX/XXXX of XX/XX/XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XX/XX/XXXX of this year we are literally already in XX/XX/XXXXalmost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together.
XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I just spoke with my realtor and was advised that this item from XXXX XXXX XXXX is still being reported to my credit, even though its been proven that this item isnt mine. Ive provided information over to them several of times, just recently the collection agency that they sold this debt to removed the collection item from my credit because it was proven that this debt isnt mine. The same information I reported to both companies and this item is still being reported. I can not move forward in my home buying process with this item still lingering. I need this company to remove this item otherwise I will be forced to provide this information over to my attorney and I will proceed with filing a lawsuit against them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX refuses to comply with the law and remove three incorrect medical entries from XXXX XXXX XXXX that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I 'm sick of having to fight this year after year after year because the CRAs are n't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies. Finally, I directly contacted this last debtor, XXXX XXXX XXXX on X/XX/2017 via certified mail, but never heard back from them. When I saw that the three derogatory items were still on my accounts more than 30 days later, I contacted you, CFPB on XXXX, and XXXX XXXX Responded on XXXX, indicating that they received my correspondence and contacted ALL of the credit reported agencies requesting that the collection entries be removed/deleted. However, when I checked my report as of today, all of the information remains, hindering my need to acquire a job 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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX refuses to comply with the law and remove three incorrect medical entries from XXXX XXXX XXXX that have wrongly plagued my account for years. Overall, the CRAs are consistently complicit with re-inserting and re-aging damaging and incorrect information ( which in this case, was covered by charity care and never even should have been put on my credit report ). Clearly, this info. gets sold from junk debtor to junk debtor despite my disputes and I 'm sick of having to fight this year after year after year because the CRAs are n't doing their job. When I contact them directly, I get the runaround. They make it extremely difficult to resolve disputes, especially when all they do is take the word of the collection agencies. Finally, I directly contacted this last debtor, XXXX XXXX XXXX on X/XX/2017 via certified mail, but never heard back from them. When I saw that the three derogatory items were still on my accounts more than 30 days later, I contacted you, CFPB on XXXX, and XXXX XXXX Responded on XXXX, indicating that they received my correspondence and contacted ALL of the credit reported agencies requesting that the collection entries be removed/deleted. However, when I checked my report as of today, all of the information remains, hindering my need to acquire a job 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 2017-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express Date open : XXXX Acct # XXXX Started the dispute process with XXXX on XXXX/XXXX/XXXX - than again on XXXX/XXXX/XXXX then again on XXXX/XXXX/XXXX - each time since then every few weeks I call for a follow up to American Express along with XXXX the account itself has no deletion date and its over now XXXX years old acct open : XXXX XXXX, XXXX account was apparently from what the rep in XXXX told me XXXX XXXX, XXXX - charged off which means I went delinquent 6 months prior to that date because it takes 181 days to charge off an account than I was told by XXXX location in XXXX that no really the account was charged off in XXXX of XXXX than I was told on another date that really the account was n't charged off but its still an open account that needs to be paid. this has been going on and on since XXXX of this year we are literally already in XXXX almost at XXXX and have received no follow up and no clarification of what the time line is - the debt itself is past the statue of limitations and should be removed all together. 

XXXX has had little to no help at all with this account for me in fact I have been bounced around like a potato

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have three negative items on my credit reports. Two of which are related to me short-selling my home after a divorce in XXXX. The 1st mortgagee was XXXX XXXX XXXX XXXX and the 2nd mortgagee was XXXX XXXX XXXX. Both of those lenders accepted their prospective proceeds from the short sale in XXXX. I have no issue with those negative debts on my credit report. The third negative item is from XXXX XXXX XXXX ( partial acct # XXXX ... ) and it shows Paid in Settlement in XXXX. I believe there has been a mistake in reporting between lenders. I believe Synchrony, previously GE Money, was my original 2nd mortgage. As was common back then, my mortgages were sold to different lenders in the time I was there. I believe a reporting error was made because of a lender debt sale or name change. I have contacted the phone number on my credit report for Synchrony and been transferred to multiple phone numbers within the company. Finally, I spoke with someone at Synchrony who can only see the same account info in their system that is on my credit report because the account is so old. Synchrony, nor the XXXX Credit Dispute can show any documentation that this " debt '' is actually a negative item created by me. There was only a 1st and 2nd on my home and those were settled. I need proof of what this negative item from Synchrony actually is and how it was settled. If this debt ca n't be substantiated by the lender, then the negative item on my credit report needs to be removed. I have already intitiated and received and disputed the intial credit report dispute thru XXXX. There response basically said that " Yes,  Sycnchrony settled a debt with you ''. No other information at all. It could be a fradulent account and the lender provided no evidence to the contrary. Please help.

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 2017-11-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Comenity - XXXX XXXX credit card does not have the option to set up reoccurring payments which is very inconvienent. You have to go online each month and setup the payment. Unfortunately I was dealing with an ailing family member and was preoccupied for months until they passed and forgot to set up my payments. I have gone online for several months even years and paid on time. This is the only creditor I have that does n't have an option for reoccurring and you ca n't set up the next one until after your payment is made. I received a phone message and was horrified that I forgot to set up that payment so I immediately setup a payment to make it current then I set up another one after that one got paid for the next due. Called the company the very next day was transfereed to customer relations and they told me to write a letter and fax it or mail it asking for forgiveness and if they can fix the late reporting to my credit report. I received a letter dated XXXX XXXX, 2017 stating they reviewed my file and ca n't make any adjustments to my credit reporting. Bottom line you should be able to set up any online account to have reoccurring payments so you do n't make the mistake of not setting it up every month. Even XXXX who has interest free promotions like XXXX XXXX allows you to set up reoccurring payments. It seems companies that wo n't want you to mess up so you end up paying all the interest ... which to me is very deceptive.

Company response to consumer: Closed with non-monetary relief