vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
XXXX customer representative invited me to apply for one of their credit  cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX '' stating that I was denied due to what XXXX   reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Home Point Financial Corporation
State: MO

Complaint narrative:
XX/XX/XXXX, I applied for a loan modification with my home loan company-Home Point Financial after losing my job. Each week I continued to call to check the status, only to be told I can only speak to XXXX, my point of contact. I leave messages for XXXX, but he never returns my call. 

In XX/XX/XXXX, I filed for Chapter XXXX Bankruptcy. In XX/XX/XXXX, we receive a note on our door from Home Point Financial to call them. Upon calling, the customer service representative says our Loan Modification is complete provided we pay XXXX, XXXX & XXXX payments as a trial through a HAMP program. We pay all payments on time, in XXXX, XXXX & XXXX. In XXXX, Home Point Financial files for relief in our bankruptcy, only to withdraw their motion on XX/XX/XXXX citing we had successfully completed a loan modification. Each month we asked for a copy of the loan information regarding the modification and received nothing. 

On XX/XX/XXXX, we finally received a package containing the loan modification documents. We signed, notarized and returned the documents within one week. We continue to pay the amount instructed each month and are told our loan is good and everything is complete. We noticed several times that our payments were not being applied to our account but held in an unapplied payment section. 

On XX/XX/XXXX, we called to make our mortgage payment and are told they will not accept less than {$12000.00}. On XX/XX/XXXX, we receive a letter saying our loan modication was denied due to final paperwork not returned and {$10000.00} is due immediately. 

Home Point has reapplied all payments and denied the modication due to Page 5 missing a date per our conversation with a rude customer service representative, leaving our loan appearing to be 6 months past due!!! It is not past due as we have paid each month, as instructed. We consult our copy of the paperwork and see that page 5 does not have a date area, but is rather the notary form. We send in another copy of all signed documents. We continue to call each day, along with filing an appeal and are told we can only speak with XXXX. XXXX will not return our call. We have contacted HUD and they are unable to get a response from Home Point as well. We want to keep our home and for them to honor the modification that was agreed and sign on. We would also like them to return our calls or to communicate with us in some way! We continue to call each day to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I have a foreclosre sale coming up on XX/XX/2018 and Select portfolio is snot removing the sale which will be in violation of my Home Owner Bill of Rights. Time after time this is a never ending battle with Select Portfolio Servicing to receive a loan modification. Im still having issues and have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. 
As soon as it seems like we are moving forward with the review process they are in need of something else. Finally they said they have all requested documents in their Ombudsman department. 
SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over three years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification. 
Even when Making Home Affordable program was in use in the U.S the  company still prolonged the process for us and never gave us any offers or options through the program until it expired by the government. This is deceptive ways to get the borrower out and not to give them the loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
We went to three different lawyers who told us that we could receive a loan modification. 
We were not behind on our payments when we went to the first lawyer. After paying over {$15000.00}. the lawyer could not be found and his office closed. The Second lawyer reassured us that they could get an approval and they tried to get us to do a short sale and sell to an investor. The third lawyer listed in this complaint is the one who has filed a a bankruptcy to stop the sale of our property. The mistakes that were made because of the advice of the attorneys. We are employed have steady jobs pay our taxes and we want to keep our home. 
We tried to speak to Bayview to work with them, but they put a sale date on our home. 
We want to work directly with Bayview. 
Please help us. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: TX

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, ( Original Creditor : XXXX XXXX   XXXX  ) XXXX, XXXX/XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: TX

Complaint narrative:
There are several accounts that were listed on my credit report and they do not belong to me!! I don't know how this information was placed but I need it REMOVED IMMEDIATELY..I don't know who these accounts are, I never had business with them.. CFPB Please help me solve this issue by removing XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : 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 2018-12-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I have a HELOC with Citizens Bank. Citizens Bank has refused to enclose cancelled checks ( advanced of HELOC ) with monthly statements. I don't have records of the checks I used. I was told that I have to call in or write to request a copy of cancelled check. The representatives sometimes are not friendly, hang up phones, abuse their powers. Sometimes, I was on hold for 50 minutes to speak to a rep.

I request Citizens Bank provided copies of all cancelled checks with monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX customer representative invited me to apply for one of their credit cards since recognizing me being a long time customer so I said sure, why not so I did. 

After a month and forgot all about applying, received a letter from their credit card supplier " XXXX XXXX  '' stating that I was denied due to what Experian reported to them but when I look at the reason ( s ) were completely different on what was on my credit report. I don't know what going on with XXXX XXXX  but I believe being discriminated because of my race. 

Its not being denied credit with XXXX but the untruthful and unreasonable reasons why and here are the reason ( s ) attached - some of their reasons don't even make any sense. 

... .and on top of that they stated that my credit score was " XXXX ''. I checked and it is " XXXX. '' It might be a possibility that they got me mixed up with another XXXX XXXX as it happened before and it is a common name.

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 2018-12-19 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: TX

Complaint narrative:
The following accounts were a result of fraud. I am a victim of identity theft and I did not make this charge. Any accounts mentioned are not my responsibility..I am requesting that any finance and other charges related to the fraudulent account be removed from my credit profile asap XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: TX

Complaint narrative:
THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THIS COMPANY IS CONTINUOUSLY REPORTING UNVALIDATED, INACCURATE, FRAUDULENT INFORMATION. I have contacted this company numerous times in the past about XXXX XXXX reporting UNVALIDATED, INACCURATE, FRAUDULENT information on my credit reports. I AM A VICTIM OF IDENTITY THEFT!! I EXPLAINED THIS TO BOTH THE COMPANY AND XXXX XXXX NUMEROUS TIES!! This company comes back with the information as being verified and accurate, yet they choose NOT to send me ANY proof thereof even though I repeatedly ask for it. How can you claim something as validated and accurate when you have NO proof thereof. On the most recent credit report they sent to me, they claim the disputed debt from XXXX XXXX was verified as accurate. How can that be the case when I have received a letter ( see attached ) from the same supposed original creditor who refutes what this company and XXXX XXXX claim. THIS IS A BLATANT AND PURPOSEFUL VIOLATION OF MY RIGHTS!! I WANT EVERY ENTRY FROM XXXX XXXX COMPLETELY AND PERMANENTLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY!! Then I want written PROOF that this has been done!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The account XXXX  XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
The company direct management called my place of employment last week and I was not at work. Then they called again today XX/XX/2018 and I told not to call me at work. The women insisted that they need to collect payment. I again stated i was on the job. Finally I got her to get off the business phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account XXXX XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever.

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 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: TX

Complaint narrative:
Hi, I will keep it precise in points : Please find my complaint details in points below.

+In XX/XX/XXXX I received a phone call from XXXX XXXX ( XXXX XXXX XXXX XXXX ) claiming I owe {$820.00} in the form of move out expenses.

+ I moved out of this society by the name " XXXX XXXX '' located in, XXXX XXXX, in XX/XX/XXXX.

+When I tried to get more details, she refused to share any details with me very rudely and threatened me that my credit score will be ruined if I do not go ahead with the payment.

+Although I bought me some time from her, asking her to get back to me in a few days after I double check with the Real Estate company involved, I was told that the company was taken over by some other firm.

+On my second interaction with her, I asked her to provide me with a legitimate letter head document with the details of the costs involved.

+She however went on to disagree with me bluntly and said if I can pay the half of the amount and eventually consolidated my doubts about the claims being false.

+She sent me a scrap document which has no credibility, no letter head whatsoever etc.

+I was a XXXX XXXX  at that point and could not afford to pay this false amount and I am sure that all the points they have listed on the document are not true and are subject to verification.

+I will attach the file she sent me which will give you an idea of this scam.

+I also searched online and turns out that a few more people have been a victim of this scam.

+This account is now on my credit score and is effecting me monetarily, I am facing difficulties getting loans and other credit related processes.

Warm Regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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 checked my Experian credit report and there are inaccuracies. I tried disputing them but they said because they " investigated '' them, they were not required to do any further investigation. These are incorrect.

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 2018-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United PanAm Financial Corp.
State: NC

Complaint narrative:
I dont know what happened I never applied for it or even ran my credit report. Also I never gave them permission to share my as name birthday address etc ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is reporting incorrect info

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 2018-12-19 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: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX is reporting incorrect info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
Said hard inquiries will not gon na affected my credit score and didnt recognized this item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
You closed my case.Why? as a veteran, with proof of what Bank of America did to us. we were paid up, have proof of that, How can a Bank go into court with a fake deed, ( have proof of that ) pay of 4 Insurance companies from our account, and expected us to get the money back.have proof of that.lied to the court. Have them on tape saying that they messed up. we still lost our home. now we are being harassed by boa send us email stating that I was suppose to get our money, want to help us, even set up a fake wire transfer stating We were getting money owed to us.Why are you letting them get away with this? No man that have served his country should be treated this way. ( his Grandfather served in XXXX. ) it is a matter of justice.We will not go away. Why did you close our case?

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