vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
I am a XXXX and single  mother of XXXX who did not get a XXXX position this XXXX   year and have found myself unemployed. I have an FHA loan serviced by Specialized Loan Servicing LLC. SLS has refused to process my requests for mortgage assistance for over 4 months repeatedly asking for documents I have already provided multiple times. They are dual tracking my loan ; have already had an attorney send me a letter to commence foreclosure ; are charging me for monthly property inspections ; charged me for a " title expense '' ; and contacted my homeowner 's insurance company to cancel my insurance because of foreclosure all without evaluating my loan for mortgage assistance.

I have thorough documentation of all communication including two audio recordings ( I live in a one party consent state ) with SLS where their automated account system states that my request for mortgage assistance application status is, " pending review. We have received all documentation needed and are currently reviewing the information provided. '' Afterwards, a representative comes on the line to assist me and proceeds to tell me that my application is incomplete and can not be sent for review until I submit more documents that I have already submitted. I have this recording after my first application I submitted on XX/XX/XXXX, and after the second application I submitted on XX/XX/XXXX. Yet SLS still refuses to process my application ( s )  stating both verbally and in writing that they are incomplete. 
Although SLS has told me they do not offer forbearance of any kind and that I will not qualify for any assistance until my application is reviewed and I have found work and can prove income, I know this is untrue. I have more than proved my unemployment status to SLS including a letter from the XXXX XXXX stating my last day of employment, my FHA Unemployment Hardship Letter, months of bank statements, divorce documents showing proof and amount of XXXX XXXXt, and even cancelled XXXX XXXX checks. I know that I should qualify for an FHA unemployment forbearance and/or loan modification. 
I mailed a Debt Validation Demand certified return receipt to both SLS and their attorney of record. 
I realize that I am fighting a war I can not win because SLS is violating every regulatory guideline I have found in addition to their own loan servicing agreements. My children and I are scared that despite my best intentions we are about to be XXXX within the next month. Any assistance you can offer will be most appreciated!

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 2020-02-06 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: Aargon Agency, Inc.
State: OK

Complaint narrative:
In XX/XX/2019, I became the victim of identity theft. I tried countless times to dispute this with the XXXX, XXXX  and XXXX  and to no avail was I able to get the account removed. I then had to go a step further. I contacted my local police department to get a police report for an account opened in my name falsely. That finally got the account removed and here I am months later and the account is back on my credit and would like it removed. This account was not opened by myself nor have I ever lived at this residence. Looking at my payment history, I have never had a late payment. This has been removed once resulting in a fraud alert on my account and I would like this one removed as well.

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 2020-02-06 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: CA

Complaint narrative:
XXXX XXXX XXXX is selling unverified debt to XXXX, XXXX, there is no contract in place for either one of these companies and they are reporting this unverified debt as being accurate.

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 2020-02-06 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: NJ

Complaint narrative:
I have reached out to Experian several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.

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 2020-02-06 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: Century Credit & Collections, LLC
State: CA

Complaint narrative:
CENTURY CREDIT & COLL is in violation of my HIPPA rights, as well this is invalidate debt. I have contract with CENTURY CREDIT & COLL. I also never authorized XXXX XXXX XXXX to release my medical information to a 3rd party collection company. 

CENTURY CREDIT & COLL is reporting invalidated debt. 

XXXX is as well in violation of my HIPPA rights reporting invalidated debt on my credit report.

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 2020-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
Yesterday I submitted a complaint, please see ( XXXX ) for Ability Recovery Services , LLC. They did not respond to my right for them to have valid proof that they are licensed to collect debts in IL. Per the XXXX   site, they DO NOT have an active license to collect debts in this state. Please provide proof of your active license, as per the Fair Credit Reporting Act you must be licensed in the state you are attempting to collect a debt. 

In addition in that same complaint, they responded stating they sent me an itemized bill. As stated in my original complaint, AN ITEMIZED BILL IS NOT PROOF OF VALIDATION. Proof of validation requires you to provide me with a document bearing my signature to show proof that I am obligated to pay this debt you say I owe. 

Please provide proof of your active license to collect debts in the state of IL and also please provide proof of Validation, not an itemized bill as that is verification, not validation that I requested. Again, if you can not provide proof of both of these requests, I will be pursuing legal action and my lawyer will be contacting you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MT

Complaint narrative:
I have a XXXX  automobile leased with AHFC. I've purchased many vehicles from XXXX and financed several with AHFC. Yesterday I called to ask a question. One representative gave me one answer and hung up on me. Another representative gave me a different answer. I asked for a supervisor. Was not allowed to have one, told I would have to get a call back. Supervisors then kept calling back and referring me to call customer service. When I called customer service, I was told I could not have a supervisor. Round and round and round and round. No solution. No supervisor. Horrible customer service and still no outcome on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: NJ

Complaint narrative:
I recently won a court order to have this account with XXXX fed bank to have all information removed from my credit file in regards to this account. I have made several attempts to have this situation handle without involving consumer financial protection bureau. I have attached a copy of the final judgement dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Pennymac is our current mortgage company and in the process of applying for refinancing they did not provide adequate guidance in that process. The loan officer would give us lists of things to do, such as paying things down, and closing open disputes in order to get our credit up to complete the loan process. In doing so they would repull our credit everytime and give more guidance. The process was horrible. So we decided to use XXXX XXXX since they provided proper advice in helping us correctly. During this process we lost our loan capability due to a 5 point credit score drop over the entire process that involved almost 10 credit pulls combined by the 3 companies. That unprofessional guidance along with greedy loan officers has caused us to spend thousands paying the things off they asked us to pay and left us with no refinance to regenerate the money we lost in the process. We have made our house payment the last 7 years without missing a single payment and jow are denied based on 5 points in a system they abused through too many credit inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have reached out to XXXX several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.

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 2020-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have reached out to XXXX several times regarding inaccuracies on my credit report. While they respond, they do not properly fix it and in fact make matters worse by reporting it incorrectly. I have prepared 3 letters regarding 3 items that are really hurting my credit. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
In XX/XX/2019, I was staying in an XXXX in XXXX XXXX. I left my wallet in the locked unit while I went out to the beach. There was an unauthorized entry to my unit and all the cards in my wallet were scanned/charged fraudulently. I contacted the credit card companies and all of them have corrected the disputed fees except CHASE BANK CARD SERVICES. Chase is claiming that they have researched the claim and feel that the charges were " valid ''. The charge was NOT valid and CHASE is making it very difficult to appeal/dispute their " research ''. Chase waited three months and put the charge back on to my account. I have called multiple times to discuss this with " CHASE FRAUD RECOVERY SPECIALISTS '' and they refuse to give me any information as to what their " research '' was or why they came to the decision that the charge was " valid ''. They have asked me ( the card holder ) to do my own " research '' for them. They want me to contact XXXX and my Credit Union to help with my claim. I feel that the credit card company has an entire " Fraud '' department that should be doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CA

Complaint narrative:
I obtain a loan for XXXX. XXXX for a XXXX XXXX XXXX trough flagship credit acceptance first payment due date is XX/XX/XXXX made first payment on XX/XX/XXXX for XXXX loan went up instead of down went up to XXXX Flagship say they apply XXXX to interest and XXXX to principal, then I made a payment on XX/XX/XXXX due date XX/XX/XXXX flagship credit say XXXX went to interest and only XXXX dollars went to principal. They are calculation everything wrong my loan keeps going up instead of down. Money keeps getting apply to interest only not principal. The website doesn't allow you to make extra payments only minimal payments of XXXX. Now pay off balance shows XXXX as of today XX/XX/XXXX amount keeps going up not loan loan first payment is due XX/XX/XXXX and land matures last payment is XX/XX/XXXX it keeps going up how do they change terms and conditions after a contract is sign

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 2020-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
This account was removed and it was reinserted but I never received proper notifications that this account was going to be reinserted which is a violation of my rights basic on the FCRA

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 2020-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Receivable Management Services LLC
State: MO

Complaint narrative:
This company ( Receivable Mgmt Svcs ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or  symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXXXXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in  accordance with The FDCPA, GAAP, and the FTC ).

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 2020-02-06 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: IL

Complaint narrative:
As a current customer of XXXX/XXXX  XXXX for internet service, they allowed for a second account to be opened under my information, using a different address, and never attempted to notify me about it. As their current customer, they should be able to see that if a second account is attempted to be opened, some sort of notification should be sent to the current method of communication to confirm new service. And I only was able to determine the information of the fraudulent account from the third party collection agency that place a negative trade on my credit bureau. XXXX was not even able to find a second account under my information when I called in. Their failure to protect their own customers puts every since person that does business with them at risk for identity theft by not verifying information correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-02-06 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: NJ

Complaint narrative:
I filed the complaint against Experian, XXXX XXXX and XXXX XXXX. However, the third company is XXXX XXXX  XXXX. As per the attached, they still have not corrected the issue and made it even worse. 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 2020-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I purchased 2 Victoria Secret ( VS ) gift cards which were charged on my VS credit card on XX/XX/19 at XXXX XXXX Mall in XXXX XXXX, Ca, in the amount of {$150.00} each. I have done this for the past several years to give to my daughters as XXXX gifts. On XXXX XXXX XXXX my daughters decided to shop on line and found that both cards were at a XXXX  balance. I have been to the store and was told they could not help me. I called their customer relations department several times and opened a case with them for further investigation. I also filed an incident report with the local police and faxed it to VS at their request and to date I have not received a response. I had both cards in my safe until XXXX and the PIN numbers were secured. VS customer relations was able to tell me that both cards were used and at what location. If they can do this, they should be able to investigate further and determine the time of transaction and if the PIN numbers were used or if they were bypassed. Apparently this happens frequently with VS gift cards. VS needs to figure out a way to protect their customers and secure their gift cards. I will never purchase a VS gift card again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
XXXX is our current mortgage company and in the process of applying for refinancing they did not provide adequate guidance in that process. The loan officer would give us lists of things to do, such as paying things down, and closing open disputes in order to get our credit up to complete the loan process. In doing so they would repull our credit everytime and give more guidance. The process was horrible. So we decided to use Quicken Loans since they provided proper advice in helping us correctly. During this process we lost our loan capability due to a 5 point credit score drop over the entire process that involved almost 10 credit pulls combined by the 3 companies. That unprofessional guidance along with greedy loan officers has caused us to spend thousands paying the things off they asked us to pay and left us with no refinance to regenerate the money we lost in the process. We have made our house payment the last 7 years without missing a single payment and jow are denied based on 5 points in a system they abused through too many credit inquiries.

Company response to consumer: Closed with explanation