vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
On XX/XX/XXXX, this year I received a Notice of Default in a certified mail letter from XXXX XXXX XXXX XXXX XXXX XXXX attorney offices on behalf of my second home mortgage Specialized Loan Servicing or SLS. It warned me that I had three months to bring my delinquent account current or my property will be sold to satisfy the loan agreement. I immediately took action and contacted my loan company to know what my options I had to keep my home. XXXX my loan representative within SLS instructed me on how to go about reinstalling my mortgage payments. I received a letter with the reinstate fees which included the delinquent payments plus the Legal fees.The total amount required was {$3700.00} good through XX/XX/2019. On XX/XX/XXXX I send a Cashier 's Check in a USPS Certified letter including a copy of the SLS reinstate fees with my loan information. I called XXXX right after I left the USPS office to let her know that the money was on its way. I gave her the track number for the letter and told her that the USPS certified it to arrived by XX/XX/XXXX a day earlier. I have already received the stub that shows that my letter was received and signed for and today is XX/XX/XXXX and my payment has not been posted in my account. I have made multiple calls to SLS almost every other day since the day I send my certified payment and they never give me an answer as where the money is sitting ( although they DO acknowledge the cashier 's check is there in their office BUT they have not post it in my account ). I have talk to SLS representatives English and Spanish and none would answer my questions because they only want me to talk to XXXX my loan rep. I have also talked to a manager there and she opened up a ticket saying they will find out whats going on with my payment. There has been three open tickets with my case and NO answers. I am beyond frustrated because I did everything required on my part and SLS is not even trying to help me with putting a hold on the foreclosure on my home. I receive constant calls and letters from solicitors that want to buy my home and letters of delinquency from SLS knowing that they have my payment ( cahsier 's check ) sitting around somewhere in their own office.

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 2019-10-30 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: GA

Complaint narrative:
I have been reported as a delinquent payment for my Synchrony bank account even thought I have sent prove of payments. Issue started from day one with them when my first and second payments where put in on their end into the same month statement. Then due to discussions about this and waiting for resolution they took another payment as late and increase my monthly payment for about 30 usd with out letting me know. My statements where supposed to be received online due to my travel times and they never took my request ; I moved and did not received notice or statements requesting additional payment. For a year I was making my regular payment and two weeks ago that I contacted them because I need to re finance my home was told I was delinquent by consumer report agency. I call bank right away and was told to send proof of payment which I did and today I had to call them again and was told they will not fix this. 
I believe its very unfair and would like to take legal actions against bank now that this is causing me additional troubles to re finance my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I entered into a settlement agreement with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I have been making monthly payments to Mr. XXXX and XXXX , XXXX beginning in XX/XX/2017. 
It is now time for my final payment. I contacted Mr. XXXX, and they seem to be out of business. Another law firm named : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, # XXXX, XXXX, CA XXXX answers the phone with a voice recording. NOBODY EVER RESPONDS, THEY PUT YOU ON HOLD THEN ADVISE NOBODY IS AVAILABLE. 
Mr. XXXX XXXX email are returned undelivered. 
Originally, I was sued on this account with XXXX , XXXX. Therefore, the final payment is crucial so that this matter can be removed from my credit report. 
I was NEVER notified that Mr. XXXX XXXX office was closing. Therefore ; 1. Who received my payments? 
2. Why wasn't I notified if Mr. XXXX XXXX office closed? 
3. XXXX XXXX XXXX , XXXX does not answer the phone, and who are they. 
Please help me to have this removed off of my credit report immediately. 
Thank 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 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
When I called in last month XXXX let me know she was over the store now and she gave me incorrect rates. I let her know I have my contract on the TitleMax app and she was wrong. She continued arguing with me until I asked for the corporate number. I spoke with XXXX and she advised XXXX was wrong and said that she would be trained. She asked if I needed anything I said no I was trying to help myself and others to not be deceived. XXXX even called me back to let me know she spoke with XXXX. This month XXXX called me on Monday to let me know I was late I let her know I would pay on the app on Friday. Tuesday I get another call from XXXX asking me when I would make a payment I let her know I just talked to her Monday and she called my sister. On Wednesday she called again I let her know it was harassment at this time because you already know and you dont need to call me everyday and that was against the law to harass me. I called the district office again and left a message for XXXX At XXXX XXXX , XXXX was on vacation. The store that Im referring to is on XXXX XXXX XXXX XXXX. I am XXXX and this is really bothering me medically so I need help. I have attached the 3 days in a row TitleMax have called me and Ive spoken with them. Its harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: FL

Complaint narrative:
I don't recognize this account, i don't have any agreements with this company, i never sign anything.

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 2019-10-30 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: LA

Complaint narrative:
In XXXX I changed my service from XXXX XXXX to XXXX XXXX because I could not afford the high bill and I was XXXX years old, collecting social security. I received a huge bill not accounting for the charges. I asked for proof of the charges and never received anything. Then, now in XXXX, 8 years later in XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc., trying to collect {$540.00}. After several attempts, being put on hold, disconnected, then referred to Texas, I spoke with XXXX XXXX, advised her this was 8 years ago and I never received proof of charges and was not paying and I would refer to my attorney. She was very rude. I am almost XXXX, XXXX XXXX and live on a low fixed income. Please help me if you can. I am sure the statute of limitations after 8 years has run.

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 2019-10-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
i signed a year lease with XXXX property management company i began having issues with the house i lived in i advised the rental company several times of the issues. 1st issue was the basement flooded do to a crack in the foundation of the house the property management company had several companies come out to get estimates to repair but no repair was done in a timely fashion the basement ended up flooding causing damage to my belongings i filed a insurance claim through my renters insurance they denied claim stating that flood damage was not covered but owners could possibly have coverage for that. I then contacted XXXX and informed them sent then denial from renters insurance and pictures of damaged items totaling around XXXX dollars. They then had maintenance come out in cheaply repair the wall. this happen in XXXX XXXX my second issue was the air conditioning unit going out in them not repairing it for over a month i have XXXX children that were in the house with me when temperature got almost 100 degrees outside. my 3rd issue was the mold growing in the basement where they were notified by the health department to make repairs within 30 days in they failed to do so. they company is trying to collect over XXXX dollars in back rent they say is owed to them but took my deposit were there is no where in the lease that says my deposit will be fortified for unpaid rent they should have applied it to the unpaid rent they say was owed. I then in XX/XX/XXXX get a call from a collection agency called national credit systems demanding money and being very rude and unprofessional every time they called i informed them of me having a attorney because a rent escrow case was filed before our lease was up and they still continued to call and advise me of debt owed. i need this debt to be removed from my credit and also the joint persons credit that is on the lease with me. i have tried to reach out to XXXX plenty of times and they are always given me the run around about why i was charged for XXXX rent when the lease ended XX/XX/XXXX and we moved out before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Navient XXXX XXXX XXXX XXXX represented by Sr. Account Manager XXXX XXXX at XXXX XXXX called my home phone number today asking for my wife and asking her if she could provide contact information or get a message to a neighbor 's son. I assume his student loan was past due and they could not contact him. Instead, they found my wife 's name and phone number on the Internet and called her trying to get information on neighbor XXXX XXXX. We later received a call from one of our sons indicating that Navient had also left a message on his cell phone. We feel this is a blatant invasion of our personal privacy and would like it stop immediately. Any assistance you can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I don't recognize this account, i don't have any agreements with this company, i never sign anything.

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 2019-10-30 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: FL

Complaint narrative:
I don't recognize this account, i don't have any agreements with this company, i never sign anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WHEELS FINANCIAL GROUP, LLC.
State: NJ

Complaint narrative:
In XXXX I took out a secured title loan with XXXX. The interest rate that was set forth at over 100 %. The loan was taken out using title of car in XXXX under my son 's name : XXXX XXXX Email on loan file is my email and has my son 's phone info. The car was a total loss in XXXX and insurance paid off the loan in full. XXXX has been harassing me and my son on the balance and they kept adding fees on the amount due? Harassing leaving threats on my son 's phone and I have tons of emails of collectors using profanity in efforts t collects. This debt was paid in full through insurance. Furthermore the statute of limitations has expire on this debt. Listed below is an aggressive attempt to collect on the debt. Also attached is a recent attempt to revive the statute of limitations by rewriting the debt. XXXX XXXX has not issued the proper disclosure per the FDCPA to advise the revival per the statute. 

***Subject : Last Chance!!! XXXX Hello my name is Mr. XXXX my direct contact number XXXX, I will be taking the liberty finding a resolution with your file. Our intentions is to resume some communication. Long term goal is meet at a happy medium resolution to restore your good standing with Credit Bureaus. Your total balance {$4300.00} with a contingent Settlement {$1000.00} Good Still XXXX. Please make all effort to continue communicate with XXXX XXXX. Please take advantage of our assistance and finding suitable financial resolution. Feel free to contact me numbers listed below. 
XXXX XXXX XXXX XXXX XXXX|Recovery Case Manager| XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX | PH : XXXX ext:XXXX  | Direct : XXXX FAX : XXXX | email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: AZ

Complaint narrative:
I received a loan XX/XX/2019 in the amount of {$10000.00} and the amount financed is {$10000.00}. I realized what the interest rate is on the loan and decided to cancel the same day. I called the customer service number and was advised I needed to call before XXXX XXXX  Central time in order to cancel. I called XXXX MST. I have searched The website and no where does it mention you have to call before a certain time, the same day in order to cancel. Per your website If your loan has already been funded and you would like to return the funds, you can do so at any time with no prepayment penalties by scheduling a full payoff on your dashboard. Please be aware you will be responsible for interest that accrues on the outstanding principal balance as of the funding date listed on your loan agreement. Per my documents the funding date shows to be XXXX XXXX. I have spoken with different representatives and managers and no one has been able to assist with a resolution which I have been advised that I would have one by XX/XX/2019 which is todays date. I sent all of the funds that were received back as soon as they hit my account which was XX/XX/2019 but I still have the administration fee. Today is the first time that anyone has even provided an email to reach out.I am requesting that funds that are still showing owed, The amount of {$490.00} is waived due to being misinformed and lack of information about the cancellation. Please respond as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30 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: GA

Complaint narrative:
Filed a dispute with the three credit reporting agencies, XXXX, XXXX, and Experian. I disputed information contained in my report. The information is from XXXX a collection company phone is XXXX. This collection account is on two reports. XXXX and Experian.. Its not on XXXX. I called the creditor and they said I had to call the credit agency to get them to remove the item from my report. The dispute results came back without it being removed. It is being reported as if its a current collection account and it is not. Last date reported was XX/XX/19 on Experian and XX/XX/19 on XXXX. This is damaging my score and hindering me from getting the credit I am seeking to obtain. Also there is a " DISMISSED '' Chapter XXXX case number XXXX on all three reports and it has been 6 years. I am not understaning why a " DISMISSED '' bankruptcy is still on my reports. I did refile the chapter XXXX and it has a different case number. That XXXX is " DISCHARGED '' so I understand why it is there. But not the " DISMISSED '' one. Why is the law allowing this if at all. I have disputed this called the agencies to no avail to get these items removed from my credit report. I need your assistance please. Thank 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 non-monetary relief
Consumer complaint received 2019-10-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/19 I responded to an online Citibank promotion to earn XXXX miles on XXXX XXXX after spending at least {$3000.00} within 3 months. I spent over {$13000.00} in the first month and paid it in full. When I didn't receive my miles I contacted Citibank on XX/XX/19. They informed me that I wasn't eligible to receive the bonus miles due to having had a Citibank card within the past 2 years. I informed them at NO time was I informed that I was not eligible to receive the bonus miles. When I received my credit card there was NO mention that I was not eligible to receive the bonus miles. They gave me another number to call ( XXXX ) to resolve the problem. I called and spoke to XXXX today, XX/XX/19, and she refused to give me the miles. 

My statement to her was that if they are able to determine I'm now not eligible to receive the miles they should have been able to determine this when I was submitting my application. This is very misleading on their part. If I had known about their bait and switch I would have gone with another company. 

Regards.

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 2019-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
This company has purposely witheld my mortagage payment because I filed a previous complaint. I mailed my XXXX payment on XX/XX/XXXX and they didnt post to my account until the XXXX of XXXX. This was right after I filed a complaint with your bureau because of other issues I had with them. In addition, they tried to process an ACH in early XXXX for XXXX when i told them not to do until end of month. They said they cancelled it so therefore, I had to issue a check mailed on XX/XX/XXXX ( other bills mailed to other service companies on same date all recevied by XX/XX/XXXX except for Freedom ) so I wouldnt be more than 30 days late. 

I have always paid my bills on or around last week of month without problems. They also said my XXXX payment was late but it was presented to my bank on first of XXXX and Freedom posted the same day on my account. According to a Freedom employee, this can not be possible. The day they post is the day they receive then it takes a couple of days to be presented to my bank. 

Also, said my XXXX paymentw asnt received and it turned out it wasnt late. 

I requested recors of all postings to my account and matched with my bank statements and found that Freedom is inconsistent with how they post to account and sre inefficent with handling mail. 

This has been reported as a late on my credit and undoubtedly will effect me financially. Also, I was charged overdraft fees because they tried to process ACH beofre it was supposed to. I even told them this before and after they porcessed it and they did it anyway. 

I called them no less than 15 times over the last three months trying to get things resolved but things kept going in a circle. 

NOTE : Icould not attach files because they are hard copies so I can only fax bak statements shwoing history over last several months..

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 2019-10-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
The XXXX XXXX has moved this debt collection to another Collection Agency and mailed separate letters to me and my wife who was upset for a debt that no longer with us. The name of New Collector is : Radius Global Solution, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX The XXXX XXXX XXXX XXXX XXXX that was supposed to be under XXXX XXXX was reported as stolen to the Police Department in XXXX New Jersey. Probably, this was happened on XX/XX/2018. There was nothing reported news after that but a letter after a month that it was retrieved by the XXXX for a reason. It was known that this was sold to another person therefore the Registration is under a different name. 

This is related to : CFPB Case # XXXX XXXX XXXX Account # XXXX Whatever our obligation is all harassment asking for the amount of {$8500.00}, a hindrance for us since I am relying an income only with pension money with so much bills including a Student Loan. Hopefully, I have nothing to say but we are helpless, obligating a property that is no longer with us. Thank you very much.

Company response to consumer: Closed with explanation