vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I am a victim of XXXX XXXX which occurred early this year, I am a XXXX XXXX XXXXr and after my XXXX I was unable to work due to injuries. I have tried to work with Select Portfolio Servicing and was given a repayment of {$7800.00} a month for 6 monthd. I can not afford this cost, i appealed the decision and was told that XXXX XXXX XXXX would need to allow any other modifications. I have not been able to find any contact info on this investor and now my home is on the verge of foreclosure. I have applied for help with Texas XXXX XXXX however the turn around time is significantly long. I really need some kind of help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Sunbit, Inc.
State: TX

Complaint narrative:
Hello, I have send a Certificate Letter to this 3 companies on XXXX XXXX  : A ) XXXX XXXX XXXX : Personal Loan, Amount {$5000.00}, Amount Owe {$3700.00}, Original Debt to XXXX XXXX, they sell this debt to XXXX XXXX XXXX XXXX 
B ) XXXX XXXX XXXX Original Debt to XXXX  Amount {$1100.00}, they sell this debt to XXXX XXXXXXXX, Amount Owe {$340.00}. 
C ) Sunbit Credit Card : Amount Owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  I have not heard from neither of the 3 Companies regarding the Hardship Discharge that I requested from them. 
For your information, all the above mainly because I am experiencing a Severe Financial Hardship. I am a XXXX that lives today from my Social Security Check, that is all my monthly INCOME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
It has come to my attention that my student loans with XXXX are past due. I have been receiving emails from them monthly stating my account balance is {$0.00} and in good standing. I then received a credit alert that the nelnet account is past due. I tried to login to their website on a daily basis for two weeks to see where the discrepancy is coming from. Im finally on the phone with the representative and they are telling me Im not even setup to receive electronic statements but as explained I do receive monthly statements from them. Unknown to me, they have only been sending statements for two out of the five accounts I have with them. I believe this is unfair because I rely on those statements monthly to make sure Im in good standing with XXXX. My credit has now been negatively affected because of this. The solution that the nelnet representative suggested is for me to opt out of paperless and then opt back in to paperless and hopefully that will correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I use American Express to the most of charges at my business, and use to pay the balance monthly. 
In XXXX I couldn't pay the total, so I finance {$7300.00}, and pay in full next cicle. 
They Charge {$390.00} wich was fine. 
But in the next cicle even when I paid the full amount of {$25000.00} on time, they still are reflecting {$440.00} So They are charging {$840.00} for just {$7300.00} that I miss to pay in XXXX cycle, that means almost 140 % of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: DC

Complaint narrative:
I submitted a request in XXXX to change my income-driven repayment plan to the XXXX plan. I waited a few weeks, and after hearing nothing from Aidvantage ( not even a confirmation of my requested change ), I grew concerned. I found out XXXX that their processing time is a ludicrous XXXX business days, and that I may have even accidentally reset my time by " applying '' again when I tried to certify my income on ther website. 

I am making just above minimum wage, living paycheck to paycheck, and even after proactively trying to adjust my payments a month in advance, I'm now being punished for their incompetence and I'm obligated to pay upwards of {$400.00} per month. 

I have explored all of Aidvantage options to delay a payment, but do not qualify for any. Even if I did qualify, their processing time is so long, who knows when it would ever go through and the financial relief would actually be reflected? This system is ridiculous and poorly operated. I tried to call and reason this with someone, but after being on hold for an hour, I gave up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I keep calling Mohela about my PSLF but can not get through. Every time I call and they say they will give me a call back they never give me one. I am so confused about so many things and can not find any clarification on the website nor anyone I can email so I am forced to use the unreliable call service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of XXXX. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies Equifax, XXXX, and XXXX. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2023 I reviewed my credit profile from the credit reporting agencies XXXX, Experian, and XXXX. I found there were Hard inquiries from different companies that I did not authorize for these inquiries to take place.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is my multiple attempts to inform you that I am a victim of identity theft and that I wish to dispute some records in my file that were obtained illegally. The documents I'm looking at don't have anything to do with me or my authority acquiring ownership of any goods, services, or money. Block the notoriety of any material in my credit report that resulted from a claimed scam or extortion, assuming no one cared either way. 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 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 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 non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Tried to work with a point of contact XXXX XXXX. They would not call back to clarify the documents I was sending that they kept emailing they were wrong. I kept calling and emailing for clarification, kept getting the same answer. Spoke with another rep that was available and they confirmed my documents and clarified one that was misunderstood. I received an email from the point of contact that told me I was not to speak to anyone other than her. She then sent an electronic communication that i was denied because i had not submitted the documents timely.. I called and spoke to a " supervisor '' that promised a call back within 2 days, would not provide their name or number for me to contact if needed. Did not receive a call back and a few days received letter indicating we were denied for to our income ( I don't think that was true ). 

Began XXXX XXXXXXXX filing, then decided to try to contact shellpoint mortgage again in XX/XX/XXXX. Eventually found a new point of contact had been added to the online portal. Called and left message for them. We spoke and they had not received the final dismissal of the bankruptcy from the court, but as soon as they did they would call back. I did not hear back. 
About XXXX weeks ago, received a call from their collection team. I explained that I had a long of contact and they looked up and found that I had one and that things were " on hold '' for mortgage assistance review. They took our income and expense info over the phone and said they I did not need to call the point of contact they would be calling me. I was giving it until XX/XX/XXXX. I received a collection call today that said there is now a foreclosure date in XX/XX/XXXX. I explained the last instructions I'd been given by them over the phone, that I hadn't heard from the point of contact. They said that the same point of contact was on there and I should hear from them on XXXX between XXXX EST I'm submitting this complaint, as I have experienced lack of communication to my requests, promises to be contacted with no follow up and miscommunication regarding loan status, documentation needs and was treated badly by the last point of contact when I was trying to provide them with the info accurately and timely.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct. 

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from XXXX of my credit reports. However, it remains on the other XXXX reports, namely XXXX and Transunion. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I hope this message finds you well. I am writing to bring to your attention some errors that I have discovered on my credit report. As per consumer laws, all information reported must be accurate and correct.

I have previously informed your company about these inaccuracies, and I am pleased to inform you that the item in question has been successfully removed from one of my credit reports. However, it remains on the other two reports, namely Equifax and XXXX. 

I kindly request that you promptly delete or correct this information on all three credit reports to ensure consistency and accuracy. It is important to note that credit plays a vital role in the purchasing process these days, and these errors have caused me a considerable amount of distress. 

I appreciate your immediate attention to this matter. Please provide me with an update on the progress made in resolving this issue. Should you require any further information or documentation from me, please do not hesitate to let me know. 

Thank you for your understanding and assistance in rectifying this matter. I look forward to a speedy resolution. Sent letter XX/XX/2023 and never received response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I am being called at work and personal phone and threatening with court action, the loan installment is paid and up to date. Next payment is due XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: AZ

Complaint narrative:
Today XX/XX/2023 I received an email from XXXX XXXX XXXX that my profile has been updated with derogatory changes. After review, my credit score reduced by more than XXXX points and an unknown collection account from SUNRISE CREDIT SERVICE with a balance of {$2400.00}. 

I contacted XXXX and initiated a dispute on this matter. Additionally, a police report has been recorded with XXXX AZ Police Department case XXXX XXXXXXXX.

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 2023-11-07 00:00:00
Product: Credit reporting 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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: NV

Complaint narrative:
In mid XXXX I received a call from a collection agency telling me that I was going to be served court papers that day if I did not pay {$2600.00} from a credit card that I had 15 years prior. This company, XXXX XXXX threatened me that if I did not pay that day that I would be having to appear in court and pay triple that amount in attorney fees. I had recently had a baby and they used scare tactics that made me terrified that if I didn't pay right then I would be owing thousands more. In fear, I signed their paper and paid the fee on my discover card. After the call, my husband came home to me in tears and told me that the cc in question had already gone through collections years prior and that the statue of limitations on the in question charge was past. I immediately called the company back and tried to cancel the payment and they were unwilling to do so. I asked them for the discovery on the card and they said I would receive it in the mail. I had not received any notifications of this prior to their call ( by phone or mail ). And have yet to receive any detailed info that I asked for regarding the card and past payments. I retracted my signature to them by phone and email hours after and they have ignored every request I have made for more info. I opened a claim with the fraud department on my discover cc and they refused to refund the money as well. I was vulnerable and lied to as well as threatened in regard to paying this and they have denied giving me any information that I am entitled to regarding this 15 year old cc balance. Discover card opened a dispute but said it was not valid. I have tried working with discover as well as XXXX XXXX and nobody has helped me in this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Take a moment to go through the documents provided. I am urging the bureau to launch an inquiry into these accounts, as I have never been late on them, yet they are reporting me inaccurately.

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 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please review the attached documents. I am urging the bureau to initiate an inquiry into these accounts for which I have never been tardy, yet they are incorrectly reporting me as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OR

Complaint narrative:
I paid off my loan of {$2300.00} back in XXXX XXXX XXXX and it was all paid off, but once they transferred to a new website they claimed I never repaid the loan. I had no idea that they made this mistake until they started to send me emails telling me to start a monthly payment of {$50.00} to repay it, but I shouldn't have to because it should be paid off. I've tried to reach them by email but they never got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
After waiting patiently for several weeks for your agency 's correspondence via mail, I have received an updated copy of my credit report today. Unfortunately, it appears that there are still inaccuracies on my credit profile that require immediate correction and removal in order to prevent my credit scores from declining further. 

-- -- -TransUnion XXXXXXXX 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 non-monetary relief