vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has not removed a fraudulent XXXX account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
I have been trying to get a loan modification since XXXX XXXX. Half a year later they gave me a trial modification and that in XXXX of XXXX I would get the loan modification. But after making all my payments on time, they told me in XXXX I would have to re-apply again for a loan modification. Since then, they have not completing my loan modification. They continually ask for the same paper work, over and over again. Now it is XXXX of XXXX. I have not giving up, but I do n't know what to do to get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax # XXXX There are a few accounts on my report unverified. I had previously disputed these accounts. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. 
The following account are not accurate BY FCRA STANDARDS. 
1. XXXX/XXXX XXXX This acc is a duplictate accunt please delete. 
2.XXXX This account has not been verfied please delete. 
3.XXXX This account is a HIPPA act violation I never gave permission or consent to access my medical records please delete. 
4.XXXX This account is a HIPPA act violation I never gave permission or consent to access my medical records please delete. 
I would like to see some type of writing proof of these claims : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ALL COMPANIES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have asked that Equifax update my file through XX/XX/XXXX they have { no payment } information from XX/XX/XXXX-XX/XX/XXXX which they stopped I want all payment info from XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have disputed this information as being fraudulent and not mine, or opened by me. They have disregarded some of my disputed and then some they have said the accounts were verified which could not be because the credit grantor could not provide me with proof the accounts were opened by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax continues to report XXXX of my accounts as charge-offs even though I have sent Equifax proof that XXXX has said they will no longer report. I have XXXX accounts with XXXX that are currently reporting as charge-offs. This information is over 7 years old. I called this to XXXX attention and disputed with them. I received a letter XXXX XXXX ( see attached ) from XXXX stating that as a customer courtesy they had made the decision to delete the tradeline reporting. That the accounts would no longer be reporting. Since XXXX XXXX Equifax has updated my credit report two times and continues to report as charged-off. They reported it XXXX XXXX as a charge off. I sent a copy of the XXXX XXXX letter from XXXX to Equifax as proof when I filed the dispute with Equifax. Equifax told me on the phone that they can not use the letter to remove the accounts that they can not control what XXXX is reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
My mortgage is being serviced through Seterus Inc . They have reported to the credit reporting agencies as a Chapter XXXX bankruptcy. I am not in bankruptcy and have never been late. My husband and I work in the XXXX and can loose our jobs for poor credit and bankruptcy. I called seterus and they told me that it was a debtor mismatch and it would be corrected. I received a letter from them on XXXX XXXX stating it has been corrected. As of my new credit report is it still showing chapter XXXX and now they have the loan as closed/no balance. I have called XXXX XXXX ( the Seterus rep that sent me a letter ) and she will not return my calls. My credit score has dropped over XXXX points in their reporting error and I can not get any help in correcting. My livelihood is at risk, we ca n't move to a new house and I ca n't re-fi my mortgage to get away from them due to their error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Pinebrook Holdings, LLC
State: MO

Complaint narrative:
the lender removed money from a bank account i did not authorize for them to debit causing me to lose my mortgage payment so i will be behind in my payment. they also debited the same account 3 times for over the amount of the loan

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Summit Financial Corp.
State: GA

Complaint narrative:
XX/XX/2017, I voluntarily surrender my XXXX XXXX XXXX to Summit Financial Corporation. Now, Summit Financial Corporation is stating on my credit report that I filed Bankruptcy. I did not file bankruptcy on this vehicle or this company. The information that they are reporting is fraudulent information. I want them to remove this fraudulent information from my credit report and come get this vehicle that I voluntarily surrender.

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 2016-05-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Summit Financial Corp.
State: GA

Complaint narrative:
In XXXX XXXX, XXXX of Summit Financial Corporation called my place of employment because my payment was about XXXX week late. I asked her not to contact me at my place of employment because I am not allowed debt or credit collection calls at my place of employment. On XXXX XXXX, XXXX, XXXX called my place of employment because they had not received my payment that was due on the XXXX and left a message in my work 's voicemail. I returned her call on XXXX XXXX and spoke with her. I told her that payment was mailed on XXXX XXXX, and I asked her not to call my place of employment because I am not allowed debt or credit collection calls at my place of employment. XXXX became irate with me. I mailed a letter, via certified mail, to the company stating that I have asked them numerous times not to call my place of employment and that I would like them to stop calling because I am not allowed debt or credit collection calls to my place of employment. I also informed them them of XXXX rude behavior. The letter was delivered and signed for on XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
My loan was sold to a company called Selene Finance which has been a NIGHTMARE from the start. We have been " in the process '' of a loan re-modification for the past 15 months. Our home is now being foreclosed and Selene says they have never received XXXX document from us. WE HAVE ALL THE RECEIPTS, of over XXXX re-modification process being denied, never stating a reason. I have shown that i have no only savings in the bank but also a steady income. I started to research online and they have an F on XXXX, their reviews are all the same, the want nothing more than to foreclose on your home and make a profit for their investors. XXXX XXXX who runs his own investment firm is also the CEO of Selene Finance. This is mortgage fraud and my family and i are about to lose our home due to the fraudulent actions of this company. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Recovery Solutions, LLC
State: CA

Complaint narrative:
They called my cell phone and left a message and then went as far to call my place of employment and ask for the Human Resources department. This is an embarassment to me at my place of work for three years over something I dont even know of. Possibly debts that were from my XXXX. I am XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: State Collection Service, Inc.
State: IL

Complaint narrative:
Collection Agency has not verified debt and has reported derogatory information to multiple credit agencies. I 've contacted Collection agency to provide proof of debt, rather than provide proof of debt in timely matter State Collections reported collection to an additional credit agency. State Collections also failed to contact me regarding collection and I found out through checking my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-22 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: POPULAR BANK
State: GA

Complaint narrative:
I OPENED A CD ACCOUNT WITH BANK ON INTERNET ON XX/XX/2016. I DEPOSITED MONEY WITH BANK. THIS IS A JOINT ACCOUNT WITH MY WIFE XXXX XXXX. THIS BANK HAS VERY BAD CUSTOMER SERVICE. THEY DID NOT SENT ANY LETTER REGARDING THIS NEW ACCOUNT BY MAIL. CUSTOMER SERVICE NEVER EVER GAVE PROPER & SATISFACTORY ANSWER TO ME. I AM QUITE UPSET WITH THIS BANK & WORRY ABOUT MY MONEY AT SAME TIME.

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 2016-08-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Echelon Financial, Inc.
State: MA

Complaint narrative:
The company XXXX use my credit card for XXXX for 3 months and have all my information I never give them my information or buy their services. I cal them 2 times to explains what was happened and they say that the XXXX will go back to my credit card and all my information will be delete from that company I never received the money back to my account and also start to received a lots of calls and email offering loan and other credit card all this email have my information I never give to any of this companies.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX On XXXX XXXX, XXXX my mailman knocked on my door and when I opened the door he gave me a piece of mail that was intended for my next door neighbor at XXXX XXXX XXXX XXXX. The mailman knew me personally and even though the address on the correspondence had the wrong address, it had my name on it. My address is XXXX XXXX XXXX XXXX. When I opened the letter it was an " Intent to Foreclose '' from the Law Office of XXXX XXXX XXXX, XXXX. on behalf of a XXXX XXXX XXXX XXXX. Had the mailman not delivered this piece of mail to me I would never had known 1 ) that this mortgage was being held by another company other than XXXX XXXX 2 ) that my house was in foreclosure and I could have actually lost my house without even being aware of this. 

This was the XXXX time that I had received any communication in regards to this mortgage in over 5 years. The mortgage was originally a second lien held by XXXX XXXX XXXX ( formally XXXX XXXX XXXX ). In XXXX XXXX, the XXXX mortgage was modified by XXXX XXXX Bank and we were told that the XXXX lien had been extinguished. We have been making payments on the XXXX mortgage to XXXX XXXX Bank since XXXX XXXX on a regular basis. Since we did not receive any correspondence in regards to the XXXX lien, we were shocked when we received this letter. Upon further research we learned that this XXXX lien had been sold several times over the five year period ( see attached ) and we were not notified at any time of any of these transfers which is in direct violation of 12 U.S. Code 2605 - Servicing of mortgage loans and administration of escrow account - specifically Notice by transferee of loan servicing at time of transfer ( 1 ) Notice requirement Each transferee servicer to whom the servicing of any federally related mortgage loan is assigned, sold, or transferred shall notify the borrower of any such assignment, sale, or transfer. 

Because of the failure to comply with the provisions of this law we would therefore request that you investigate have each entity that was involved with the transfer of my loan to provide the servicing transfer letters that were sent to me including my signature of any RETURN RECEIPT REQUESTED certified mail that was sent to me. 

I am attaching copies of the recorded assignments that I was able to find in public records to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that I was never notified about.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Selene Finance LP
State: NC

Complaint narrative:
We 've been modified for a loan at XXXX XXXX XXXX, after they approved the modification. They sold it Selene finance, and they ask me to pay XXXX trial payment which I did, they said give the another month to finalize the loan, but they have n't done anything. They keep on telling me next month, it has now been six months since they gave me the final modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: AZ

Complaint narrative:
Seline Financial was requesting increasing escrow funds due to increased taxes, and insurance, they were asking for a full escrow funds to be double as it was last year in order to maintain the same amount of our monthly payment. XXXX sent them the escrow funds but they still increase the monthly payment from {$1600.00} to {$1700.00}. They put the escrow funds we sent in to a suspense account, do n't know the reason for and on top of that they asking for flood insurance which we already paid for in full until XX/XX/2017. 
I called them several times, always excuses that they will review the account and call me back, as of today they have not contacted me. My XX/XX/XXXX payment is due XX/XX/XXXX and still showing the new increase amount. 
Attached is the escrow paid funds, new requested payments, and an statement on this account. 
Thank you for helping me. 
HF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase bank was doing everything in their power through their XXXX XXXX XXXX, XXXX to avoid to settle on mortgage loan. I found this process very unethical and abusing. 
Under Maryland State law mediation is one of the option in foreclosure due process to meet with the lender or person representing the lender with authority to settle or be able to contact a person with authority to settle the matter at the time of mediation. This was extremely important for me to settle with Chase bank and come to agreement. Unfortunately Chase representative XXXX XXXX, an attorney from XXXX XXXX XXXX XXXX entered mediation without any authority to negotiate to settle, nor XXXX XXXX was on phone during the mediation even once. It was a conference like meeting which undermined due process. I am currently residing in the property and interested party, entered the mediation with full authority by Power of Attorney from borrower XXXX XXXX with all rights to negotiate and settle and was ready to negotiate with all supporting documents and fair settlement deal based on fair market value based on professional appraisal and guaranteed funds at the time of mediation with XXXX reputable witnesses, XXXX attorneys and widow of the judge from circuit court. We were hopping to meet with the party from Chase bank and lender with authority to negotiate and settle. Unfortunately it was n't a case as XXXX XXXX had no authority and suggested that we should submit our proposal for reviewing to the Chase bank. If XXXX XXXX had an authority to negotiate and settle as Chase bank is claiming why XXXX XXXX did n't exercise that power during the mediation? Why we are being told to submit our proposal to the bank? JP Morgan Chase is refusing to acknowledge this misconduct and denying my argument. I have XXXX reputable witnesses willing to testify if needed in this case. Mediator XXXX XXXX XXXX XXXX submitted inaccurate report " No agreement was reached '' to XXXX XXXX Circuit Court which adversely impacted my foreclosure case. The report should say " The lender failed to attend the mediation and/or failed to have access to someone with required authority to settle the dispute '' I strongly believe that this was misconduct in foreclosure process by Chase bank and by mediator of Office of Administrative Hearings XXXX XXXX XXXX XXXX. 
I believe this was unfair and unlawful. 
Circuit Court Case Number : XXXX XXXX Case Number : XXXX Foreclosure Medaition Date : XXXX/XXXX/14

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I have a Mortgage Loan serviced by " Selene Finance ''. I tried for about XXXX Years to get a HAMP Loan Modification. The Loan changed hands of Servicers but my application was declined multiple times. 
I was so frustrated with the process that finally I applied for a Short Sale in XXXX XXXX. This process went on for over a year .In fact the Buyer Offered more than a full offer but they declined the Offer. The Loan outstanding is about $ XXXX. The Buyer progressively increased the offer and his final ALL CASH Offer was $ XXXX. But demanding $ XXXX, Selene Finance declined the Offer, strangely Now, they have scheduled an Auction of my Property on XXXX XXXX, XXXX. I am left with no option but to re-instate the Loan or lose my house in Auction. I got their re-instatement quote of {$220000.00}, only yesterday, although I have been following up through my XXXX XXXX for about a month now. 
I am working very hard to arrange this sum. As it is a very large sum of money, I request your good selves to arrange to postpone the Auction by 1 more month, so that I can arrange this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Amsher Collection Services, Inc.
State: WA

Complaint narrative:
Not only did I not recieve any notice to dispute, after I paid the FULL amount to Amsher collection agency they told me it would be taken off my credit report in a couple of weeks, or I can write a letter to there supervisor and request for it to be taken off. It 's my understanding after I paid the debt ( which was wrongly in collections because of change of address and no phone calls or anything about the debt until Amsher took it over ) that it should be off my credit report in atleast 2 months. It has now been 3 months and I have contacted them several times for them to take it off while it still says " Open '' on my report. They keep telling me I have to write a letter to the supervisor to have it taken off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Carter-Young, Inc.
State: MS

Complaint narrative:
Carter-Young INC said I signed a lease in XXXX for the University XXXX. I never signed a lease there. I was living and going to school in XXXX. I have not been back to XXXX since XXXX of XXXX when someone stole my social security number and tried to claim me on their taxes. I have submitted documentation to them showing them that I never signed and I was living in XXXX and going to school here. They still refused to dismiss the debt as identity theft. The credit bureaus do not want to take this fraudulent information off my credit after I have disputed it multiple times. All Carter-Young has sent me was a lease that was missing signatures but on the very last page it had the initials XXXX typed in. How can that document even be classified as legitimate. The key was never picked up for the apartment and no one never moved in. I want this fraudulent information removed immediately. Also, XXXX, I co-signed that apartment in XXXX of XXXX. I never lived there just helped a friend out who was homeless and trying to get on her feet with her XXXX year old son. I was NEVER informed by her or the company that she was evicted. I never knew anything about that eviction so that information is also fraudulent and I would like it removed from all three of my credit and tenant history report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation