vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
Please note this is a Followup. 

You have the originals complaints and answers to litigation and fraud elements. 

XXXX XXXX XXXX. Trustee responded that they are not involved when they sued me. 

XXXX XXXX XXXX XXXXXXXX and Caliber Home Loans, Inc. sent repetitive letters from XXXX to XXXX. 

They are all responsible for Real Rstate Fraud,  confusion regarding service and ownership service notifications. Those notices were not reflected on the Instruments from XXXX recorded at property clerk. Another name XXXX XXXX XXXX XXXX, never sent the page for XXXX XXXX that are required for borrower can review and make accurate information. Instead XXXX XXXX XXXX and Caliber Home Loans , Inc said the never had a contract with the Original Contract ( XXXX XXXX XXXX XXXX ). From XXXX through XXXX XXXX when XXXX XXXX XXXX and Caliber Home Loans Inc did an illegal transfer because there was never a transfer/assign from XXXX XXXX to XXXX XXXX c/o Caliber as new Owners. XXXX recorded in XXXX violates statutes and intentional commits Real Estate Fraud. 

The XXXX instrument is/was illegal and any instruments using that document is intentional fraud, and harassment to Original Contract borrower, Fraud to FDCRA which can only be legal if the Petitioners can verify pet statues they owned my contract. They can not do so and transferrd illegally in XXXX XXXX to XXXX XXXX XXXX. to deflect fraudulent transfer and assignment. 

All who sued me in XXXX XXXX and before have not been able to prove ownership for over 4 years and made the transfer fraudently to XXXX XXXX XXXX which include their partners in real estate fraud. 

Two class action suits against them, because letters automatically sent to " new Caliber borrower from transfer '' intentional done in XXXX ; violations of illegal statutes. 

Caliber, XXXX and XXXX XXXX XXXX. In XXXX was found guilty of charging XXXX Americans and XXXX  higher interest rates was the second litigation intent fraud. 

I have an Order to Foreclose on my property was from XXXX XXXX XXXX. and the other Petitioners which has illegal possession of my deed. It was promised my XXXX in XXXX XXXX, XXXX XXXX. 

Numerous complaints and litigation toward Petitioners sue to foreclose my house as well as others do not have any legal ownership. My legal homestead property is protected from such illegal and fraudulent group repetitive frauds. 

Please retrieve my deed and punitive damages. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Loan # XXXX SPS Account # XXXX Our current mortgage servicer is ( SPS ) Select Portfolio Servicing, as of XX/XX/XXXX as a result of a transfer by our former servicer, XXXX XXXX XXXX. ( Please note : We have had 6 mortgage servicers dating back to XX/XX/XXXX ) on our Non-Agency Securitized Mortgage since originated in XX/XX/XXXX with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, we have been " denied '' participation in all Mortgage Modification Programs on 54 occasions even though our circumstances and financial status deem us eligible. 52 of the denial letters have indicated the reason for denial by all past and present servicers indicating " the loan investor/ Loan owner ( XXXX XXXX Mortgage Pass through Certificate investors and trustees ( XXXX XXXX XXXX ) does not authorize/permit loan modifications '' In our most recent attempt to apply for any/all available loan modifications through SPS have also not been successful and we have been " verbally '' told that it is due to language in the Pooling & Servicing Agreement ( dated XX/XX/XXXX ) restricting modifications, the PSA is a document that was filed with SEC almost 14 years ago and has never been updated. ( Note : : XXXX XXXX Trust last filed  documents with the SEC in XX/XX/XXXX ). SPS indicated in XX/XX/XXXX that they saw no language in the PSA prohibiting loan modifications on our mortgage, and have repeatedly encouraged us to apply for Mortgage Assistance to save our home of which we complied with completed application submissions on 13 occasions with SPS our current Loan Servicer. We have had 6 Mortgage Servicers to date and have applied for Mortgage Assistance 54 dating back to XX/XX/XXXX at the continuous encouragement by all Mortgage Servicers. Despite our pleadings for assistance, none of our Servicers to date have complied with our request to contact the investor/loan owner for an exception or waiver permitting a 1 x loan modification. We have also made over 47 attempts to XXXX XXXX, XXXX for assistance as they are referred to as the Trustee of our mortgage by all 6 servicers. They have indicated that they do not have contact information on the actual investors/loan owner, yet they continue to deny indicating that the denials are coming from the investors at the direction of the Trustee, XXXX XXXX, XXXX. XXXX XXXX, XXXX Trustee, has indicated that they have no jurisdiction as the trustee to assist us with information that would assist us with our Loan Modification requests

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 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:
I have an account on my personal credit reports ( XXXX and Experian ) with XXXX XXXX/XXXX. This company is banned from collecting in my state as per the Federal Trade Commission ; Case XXXX XXXX XXXX ( 2014 ). I have mentioned this to the credit bureaus ( Experian and XXXX ) in order for the collection to be deleted from my credit file and they have failed to do so.

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 2017-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed an account on Transunion. The account was XXXX XXXX # XXXX. It has been charged off and reported with a balance of {$480.00} Recently I disputed and now the highest balance was {$480.00}. It looks like I paid {$1.00} which completely opened the account back up. XXXX XXXX says They did not report it at {$480.00}. The credit bureau is putting in there own amount, which is unlawful reporting. This s illegal according to the FCRA. I want this account deleted off of Transunion, and XXXX. They both are reporting this account wrong. Also XXXX XXXX says this account will drop off the credit bureaus on XX/XX/XXXX. XXXX says not until XX/XX/XXXX and  Transunion told me XX/XX/XXXX. I am not sure why they have different dates but there both wrong. XXXX XXXX said XX/XX/XXXX. I want this account deleted. Please check into this as the credit bureaus are unlawfully reporting.

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 2017-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ACS Education Services
State: IL

Complaint narrative:
I have contacted ACS repeatedly regarding my payments being too high and me being unemployed and was told forebearance and deferment are my only options. Then a friend told me about the income based repayment plan so I asked ACS. They sent over the paperwork to fill out and I did it. I spoke to them when submitting to make sure everything was accurate and he told me I had to use my unemployment as income so I did. I said what happens after I turn it in? He said you just do nothing, make no payments, and wait to hear back from us. So I did. After a few months ( Im a single mom trying to make it through day to day so remembering to check on my status wasnt at the top of my priority list. ) I remembered I had submitted it and hadnt heard so I called and they told me that it was denied because I made too much money on unemployment at $ XXXX before taxes. ( After speaking to someone else at ACS I found out I wasnt supposed to put my unemployment on there at all!! So if I was given correct info I would have been fine. ) I didnt resubmit because I was currently working on a 4 week project and so I was told there was nothing I could do. The problem now is all those months I wasnt paying because I was told not to went into my credit report and they refuse to remove them. So now I am trying to find an apartment/but a home for my child and I and I cant because I have too many late paymentS from ACS and so nobody will even rent to me! So now I had to move in with my parents at XXXX years old. Its ridiculous they can do this and not be held responsible for single handedly ruining my life. 

Looking at my account- my principal borrowed was around {$11000.00}. I have paid over {$7000.00}. Yet somehow my remaining balance is around {$14000.00}. How is that even possible?! My loan has over doubled??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: NC

Complaint narrative:
Received a letter from a collection company XX/XX/XXXX regarding a XXXX XXXX bill that I did not have. I filed a report with Identity theft recovery government site, and contacted collection agency. Collection agency did not at any time verify the debt, nor send me proof that the debt was mine at all. In fact they only told me to contact XXXX XXXX. The debt collection company did not do anything. I contacted XXXX XXXX and they did an investigation and concluded that this was identity theft and sent me an email stating that the debt was not mine. I promptly sent this to the collection agency, but they continue to harass me regarding this debt. 
Their latest letter is dated XX/XX/XXXX, and states to contact XXXX XXXX again. They have not complied with the FCRA, nor my repeated requests. 

Please have them correct this action and punish them for not following the fair credit reporting act. 

Collection company AFNI, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Colony Brands, Inc.
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, Blacks Law Dictionary, 6th Edition, 1990, defines Verification as,  Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I just need my mortgage information reported by Experian Credit Agency, as it is reported by XXXX XXXX and XXXX. Back on 2016 that information was removed from my credit report and it is not being updated as of today because of the stupid reasons, such as reporting date issue. For more than a year I am trying to resolve the problem with help of my mortgage company XXXX XXXX XXXX and no luck. Experience representatives are confirming over and over again that there is nothing can be done, it is against the law to update my mortgage information with the same loan number. 
Please help me to resolve this ridiculous issue.

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 2017-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PREFERRED CREDIT INC
State: TX

Complaint narrative:
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests and complaints, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am contacting you a second time because I do not think my problem was addressed right.I told the bank about my problem but they seem to be stuck on one issue.The company was to send me a release form and never did.They obviously did this on purpose as to extend more time.I never used this merchant in any way shape or form.The company I was dealing with was XXXX XXXX, not XXXX XXXX.XXXX XXXX must be involved with XXXX XXXX as they used their merchant account.There not going to send a release to sign.Neither one of these companies have rendered any kind of service whatsoever.XXXX at XXXX XXXXd says they can not take the money back from the merchant because of the time that has lapsed.I have been defrauded out of money on all my cards and learned a lot.I know they can go back as far as 538 days.If XXXX XXXX was legit, why would XXXX XXXX pay me back.These companies are using merchant accounts to defraud the elderly.The fair thing to do would be return my money.I would like to know what XXXX XXXX told 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 monetary relief