vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We want Sps mortgage to be investigated in regards to violating our california home owner bill of rights.Violation 12cfr 1024.41Violation Ca sec 2923-2924We have been trrying to resolve with Sps mortgage our loan modification and they refuse to work with us Sps is only interested on foreclosing on our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
Well basically they’ve directed me to put my loan in forbearance multiple times and didn’t give me the opportunity to use the income based plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I’m in the process of getting my house refinance with XXXX  For the last two weeks they have tried to pull my Equifax report without success. Each time it gives them error code XXXX. I called Equifax several times for help and they told me there’s nothing they can do for me. This is my last step to try to close on this loan. I hope you can get Equifax to fix this error that’s preventing XXXX  from pulling my credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
I took out a loan in XX/XX/2018 from Advance Financial to assist with financial issues and took out the amount XXXX but after fees and how they setup your biweekly payments only a small amount goes toward the principle which makes it impossible for payoff. Several complaints from others said the same thing. This company is awful and many are seeking some type of lawsuit for their predatory lending practices

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have been having issues with bogus and fraudulent addresses appearing on my credit file that I do not recognize. My full name is XXXX XXXX XXXX please remove any other variation of my name. My DOB is XX/XX/XXXX SS XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America has tacked on all kinds of fees related to a payoff amount including a $XXXX property inspection. After taking over from XXXX Bank of America Illegally modified our mortgage to include huge late fees and have the worse online payment scam I have ever seen. bANK OF AMERICA WILL ONLY ACCEPT PAYOFF VIA CERTIFIED CHECK OR WIRE TRANSFER WICH I WILL NOT DO. Especially since they are holding over $XXXX of mine in escrow. I will agree to pay the $XXXX payoff amount but thats it either over the internet or personal chaeck but THAT ITS. I sick of these XXXXXXXX robbing me and America. NO further payments will be made and I demand FULL return of my escrow account at time of final payment. Bank of America and XXXX XXXX need to be dismantled and their CEOs JAILED!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I had a dispute with XXXX and navy fed got my money back $XXXX  I bought the ticket from my XXXX  acct but they could not put it but into that account after trying two times the system said it came from my joint acct but they saw there was no money in that account so they did not know why the system was saying that it did. They had to put the money in that account because the system would only allow it to be put there. Ok now the took $XXXX or close to that to pay a bill for my daughter because now it's her money because it was in that account. The department have explained to them many times what happened and why they need to give me my money back but now they are saying I owe to so if they did not take it for XXXX they would have taken it for me. Well they told for XXXX   and it was not her money and there mistake put in the account in the first place I did not. The mistake is that the last 4 numbers of both debt case from both accounts are the same so the whole number was not put in only the last four. Again navy fed mistake but the collection dept will not give me my money back. The department that made the error has explained the mistake to the many times but again they said the would have taken the money from me. Well what they would have done is not the issue what they did is. If they had taken the money to pay my bill ok but they didn't they paid XXXX bill and again I did not put the money in the account the mistake did. I told it out and put it into another account but when they said they had to I vestagate what happened I put it back. They said I didn't have to do that but they understand why I did. Some one needs to give me my money bank all these bank errors should not gave me lose my money they need to be more careful when they are dealing with people's money this a bank and there job mistakes like this should not be happening and the customer should not suffer for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
while ocwen has made many mistakes on top of it all ocwen never furnished me a 1099 for taxes; im still being charged on my mortgageocwen failed to furnish 1099

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING OF INFORMATION I BELIEVE IS DUE TO IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT TO BE. I HAVE NOT AUTHORIZED MISUSE OF MY PERSONAL, FINANCIAL,  OR ANY INFORMATION. I HAVE NEVER TO MY RECOLLECTION RECEIVED ANY BENEFITS OF PRODUCT, SERVICES, OR OTHERWISE REAL OR IMAGINED DUE TO THE AFOREMENTIONED CAUSATIVE POSSIBILITIES OF MISINFORMATION. PLEASE PHYSICALLY VERIFY THE VALIDITY OF ANY AND ALL NOTATIONS, EVERY DATE, THE BALANCES AND CALCULATIONS, EACH ACCOUNTING RECORD, WHETHER REPORTED OR NOT TO INCLUDE REQUIRED METRO2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
PHH received loan servicing in February 2019PHH failed to furnish 1099 since thenPHH is again attempting to take my home

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On or about XX/XX/XXXX, I incurred a debt with Care Credit owned by GE Captial Retail Bank. I received my last billing notice about XX/XX/XXXX. I made no further payments. GE Cptial Retail Bank SOLD my debt to XXXX XXXX XXXX, XXXX. The Florida Statute of limitations ran XX/XX/XXXX, I was absolved from this debt according to law. Between XX/XX/XXXX and XX/XX/XXXX, I corrected my credit issues and purchased a home with a mortgage. There were no collections on my credit report at this time. By approximately XX/XX/XXXX, XXXX XXXX   XXXX., XXXX, contacted me in an attempt to recover this debt. I filed a complaint with both Credit Bureaus. I was informed that this debt was on my credit report since XXXX, which is clearly incorrect. I have attempted to work with XXXX XXXX, without avail. This blemish needs to be removed from my credit history immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Hello,Company: Shellpoint Mortgage Servicing, XXXX XXXX XXXX, XXXX  OH XXXXDate: XX/XX/2019Amount: $XXXXI purchased my home In XX/XX/2019.  The loan has transferred twice in three months, from XXXX to XXXX XXXX XXXX (XXXX), and now to Shellpoint Mortgage Servicing.I made one payment to XXXX, one to XXXX, and just paid Shellpoint on XX/XX/XXXX.  Shellpoint shows no record of my payment, although I paid through XX/XX/XXXX XX/XX/XXXX via XXXX XXXX XXXX.  XX/XX/XXXX sent the payment to their electronic account on file with my Loan Account Number documented.- I have provided XX/XX/XXXX Proof of Payment--as requested from Shellpoint, with still no resolution.- I have called Shellpoint multiple times, on hold and unable to get through- Shellpoint forces me to leave a message, and I have never been called back- I messaged them via email and secure login, and still no resolution despite submitting documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I filed for bankruptcy chapter XXXX  on XX/XX/2018my attorney included all my debt I was told that I could reaffirm my auto loan with Wells Fargo dealer services I contacted WFDS & I was told I would be contacted by there BK dept in reference to my reaffirmation I was told within 30 days, 30 days 60 days 90 days past no response during this time I was in bankruptcy till my case was discharged on XX/XX/2018no payments were made on my truck during that period & no credit reporting was made from XX/XX/XXXX thru XX/XX/XXXX. After my discharge was received I asked my attorney what I was too do with my vehicle loan he said begin making your payments so I did I made all my payments on time monthly after my discharge in XX/XX/2018 I was told I was 4 months past due that during my bankruptcy I was too continue making payments well I was not informed nor notified of this from anyone! I paid WFDS $XXXX in payments in XX/XX/2018 to satisfy the account yet the reported my account as derogatory late more than 90 days when I was in bankruptcy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes, I sent a follow-up dispute (XX/XX/19) by means of a Credit Repair Organization, Equifax has failed to respond. They have violated the FCRA in that it has been more than 30-days. ACCOUNTS	XXXX XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXX		XXXX	not mine	XXXX XXXX XXXXXXXX	not mineXXXX XXXX XXXX XXXX		XXXX	not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
Leased XXXX XXXX XXXX from XXXX XXXX  in XXXX XXXX, CA. on XX/XX/XXXX Was never told about disposition fee at time of signing. If we had, we would never have leased the vehicle. OnXX/XX/XXXX, I suffered a XXXX and have been unable to drive since. We continued with lease. My husband did all driving since then. When we turned in vehicle at end of lease XX/XX/XXXX, 2 months later received a bill for disposition fee of $XXXX plus tax from GM Financial, I went back to lease agreement and saw disposition fee. Contacted GM Financial and told them that I could no longer drive therefore could not buy or lease another vehicle. My husband had his own vehicle. I talked to at least 4 different individuals and got no where. A GM consultant by the name of XXXX who represents XXXX XXXX  was suppose to contact me to discuss this problem. She never contacted me. I have made numerous calls to both XXXX XXXX  and GM Financial to get help and they do not return my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Tuesday XX/XX/2019 - We received a voice message on our landline phone (with a woman's recorded voice) that there "were charges that we don't recognize on your Visa card" and were told to call XXXX.  My wife spoke to a man with a foreign accent named "XXXX XXXX and his ID# XXXX" He said there was a charge of $XXXX for XXXX shoes originating from XXXX  on our Amazon Chase Visa card and that our "Amazon profile had been compromised". He asked for my wife's full name (I then got on the phone) he also asked for my full name and our phone number. I heard many other voices in the background (they may be operating a fraud call center). I smelled something fishy with this guy and  signaled to my wife that this is a scam. When my wife would not give him any more information: he nastily demanded that she call him back within a certain time frame (20 minutes) at the following number: XXXX. That is when she hung up on him.  

We had contacted the real Amazon Chase Visa customer service number (on our card) to verify if this had occurred. They confirmed that there was no such activity.  Apparently he was phishing for personal information; and he got nothing more than our names and phone number. It was convincing act until he started to get angry...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes (XX/XX/19) by means of a Credit Repair Organization, Transunion has failed to respond. They have violated the FCRA, it has been more than 30-days. Please see items below…ACCOUNTS	XXXX XXXX	not mine	ILLINOIS XXXX XXXX	not mine	XXXX XXXX	not minePUBLIC FILINGS	FEDERAL DISTRICT	XXXX	not mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello I contacted the creditor regarding the accounts on my file they have not removed nothing off my credit report the creditor agreed to remove and said they sent it to the credit breau equifax I even sent in my identity theft FTC report and nothing has not been done at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Honestly I think this a problem caused by both the credit reporting bureaus and XXXX XXXX the mortgage company reporting to them I have tried to fix the problem with all of 3 credit bureaus and the mortgage company. I am literally in the middle of a new home purchase, In doing so I got credit reports in preparation to apply for financing. I found XXXX   XXXX XXXX mistakenly reported my mortgage, which they serviced from XX/XX/XXXX to roughly XX/XX/XXXX as delinquent XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I reached out to XXXX XXXXXX/XX/XXXX with more than 15 pages of documentation..SEE ATTACHED XXXX  Letter Dated XX/XX/XXXX here, confirming they MISTAKENLY reported my loan delinquent in error forXX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXand would be correcting with credit bureaus "this month" (implying XX/XX/XXXX) I contacted credit reporting bureaus immediately - XXXX, XXXX, Equifax. I was told that even though I had a letter from XXXX that no correction or update on this could be made unless and until received DIRECTLY from XXXX   XXXX. I wen back to XXXX XXXX many many times, by phone, fax and email. I learned eventually XXXX  submits to the credit bureau. Eventually I was told XXXX  had submitted tot he credit reporting bureaus XX/XX/XXXX, then changed to XX/XX/XXXX. I have contacted credit reporting agencies almost daily all say they have not received anything from XXXX and XXXX keeps insisting they have submitted the correction and that "there is nothing more we can do." In turn the credit reporting bureaus keep sending back to XXXX   saying they have no record of the correction and removal of these mistaken delinquencies. In desperation I finally submitted the XXXX letter directly to the credit bureaus. Then was told If they hear nothing from XXXX  in 30 days matter will be resolved in my favor. By then I will have lost my attempt to apply for financing and my real estate purchase. Decisions on whether to approve a consumer for a loan application and at what interest rate and for what term all hinge on credit reports which for me currently reflect, in error, a major mortgage delinquency with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has reported me deceased.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
The company that sold the vehicle, sold a lemon. The vehicle was unable to be driven after 23 days of possession. That is why there is such a high loan balance due after repossession. I was unaware that I was a legal co-signer, I thought I was a reference at the time I signed the co-sign paperwork. The individual summarized the paperwork and had me to sign it. I didn't realize I was a cosigner until it was on my credit report. During the repossession process I was never made aware of any delinquencies or given a chance to assume the loan and pay it off. Now, I am trying to make payment arrangements for a repossessed vehicle that wasn't mine and they are giving me a hard time. My wife called three times and they refuse to give us information or make payment arrangements for the remaining balance. She called three times today, the XX/XX/XXXX, and each time they ask to speak with both me and the person I co-signed for and I keep explaining that is not possible. The person I co signed for doesn't want to pay the balance because it was a lemon.

Company response to consumer: Closed with explanation