vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have unauthorized inquiries on my credit report that. I informed the credit bureaus via writing to investigate my concerns. I will include the original tracking and letters I sent. With all these data breaches Im not sure what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
Just when we thought wed signed our modification documents, SPS is at it again. They sent us our original modification dated XX/XX/2019, which we signed, notarized and sent our certified check on XX/XX/2019 to be delivered by XX/XX/2019. We just received a new modification with completely new terms, new percentage rate, new balloon at the end, and its now adjustable not fixed. That was dated XX/XX/2019 and delivered to us today. 

Ive attached the documents. Parts 1 & 2 are the new modifications, Parts 3 & 4 are the originals. Ive bulleted the main points below : 1st Modification Dated XX/XX/2019 Delivered to us XX/XX/2019 by XXXX Signed XX/XX/2019 Delivered XX/XX/2019 Monthly due {$1500.00} fixed Percentage rate 3 % Balloon at end of term : {$130000.00} ( interest bearing ) In addition to another balloon : {$34000.00} ( no interest as I understand ) 2nd Modification Dated XX/XX/2019 Delivered to us XX/XX/2019 by XXXX Monthly due {$1700.00} adjustable Percentage rate 4.25 % Balloon at end of term : {$210000.00} ( interest bearing ) Total Balloon on extended amortization is {$250000.00} Original loan amount : {$240000.00} We made 3 TPP payments of {$1700.00} on XX/XX/2019, XX/XX/2019 and XX/XX/2019 per TPP arrangements/guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
On Friday XX/XX/2019 I let someone use my phone to make a call and they sent money to their self from my account I contacted the company ( Cashapp ) but they keep trying to avoid the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/2019 I made a significant payment XXXX USD on my consolidated student federal loans with Navient using the custom payment option in order to pay one of my loans off. After reviewing the posted payment I noticed the payment was split between the 2 separate loans with each having an interest of 6.875 %. I made the payment in plans to cut my student loan owed amount in almost half with only 1 loan at 6.875 %. After reviewing the posted amount I called Navient on XXXX XXXX 2019 to correct the transaction and it was explained I should see the correction with 24 to 48 hr the timeframe given has passed I reviewed the posted payment again an no change so I called back Navient on XX/XX/2019 to correct the transaction again and I am now being inform that if Navient fixes the payment to reflect the 1 loan  payed off it will bring my other loan to a XXXX USD delinquent balance and customer service is unable to complete the transaction. So now instead of me having to pay back 1 loan at 6.875 % I am still expected to pay for 2 loans at a total of 13.75 %. To me it appears that Navient doesn't want me to pay off 1 loan because they will loose the extra 6.875 % interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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:
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation to the following companies : XXXX   XXXX XXXX XXXX XXXX XXXX responded back that this debt was " certified '' by the reporting agency. However no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 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: NY

Complaint narrative:
My Student loan from Dept of Ed keeps saying Im 120 days past due and I am caught up. I have been working very hard. My husband has been in XXXX almost a year from XXXX XXXX, he was out of work for a year and a half and I lost a lot of time as I was his caregiver. I do not understand why my credit scores are not higher? We had to take a 2nd mortgage to pay off stuff. XXXX said they were paying off all my student loans and I did not realize they left 2 not paid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UMPQUA HOLDINGS CORPORATION
State: OR

Complaint narrative:
I was informed via a scam looking email that my mortgage had been sold to XXXX XXXX. I was not informed in any way by my original bank, Umpqua Bank, although they keep telling me they sent out a letter. My problem is not that my mortgage was sold. It is that I was not informed as is required. And XXXX has a HORRIBLE reputation for being completely incompetent. How is this the company that I now have to work with?? I would never have allowed my mortgage to go to a terrible, unreliable company had I known. I am so disgusted that I was sent from a reputable company to a bad company without any warning. This can not be the way things are run. I think it is dishonest of Umpqua to put people in this position. I would have never given them my business had I know they would be so careless with something so important to me as my home. DON'T get a mortgage from umpqua bank!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I viewed my credit because I was denied for financing ... XXXX unbeknownst to me this creditor/collection agency has placed 4 unknown collection accounts on my credit. I have not received not 1 notice in this regard. I have no knowledge of the accounts or what the debt is for. I was never notified- I saw the accounts on my credit and broke into tears. 

Portfolio Recovery Account Numbers XXXX XXXX XXXX XXXX I have also filed a complaint with the XXXX and the FTC for violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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 CRA is reporting that I am 30 days late on my XX/XX/2019 payment, this is not correct, I have submitted my payment confirmation that validates my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
The company of Weltman, Weinberg , & Reis Co., LPA have  contacted me frequently since the beginning of the month as well as my stepfather as on our personal mobile phones during our work hours. I have been making payments for my private student loans. They left the toll free number XXXX and reference number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
I applied for a loan modification as part of Mr. Cooper 's short sale process on XX/XX/2019. I received an email message on XX/XX/2019 saying some documents were missing. I called and left a message with our designated loan specialist on the XXXX. When I did not receive a call back, I sent an email on XX/XX/2019 explaining the requested documents did not exist, or had already been sent. I called again on XX/XX/XXXX without a return call. I resent an email on XX/XX/XXXX, explaining the documents requested by Mr. Cooper to proceed with the loan modification/short sale have already been sent, or do not exist. I did not pay the mortgage on XX/XX/XXXX. I also missed the payment due on XX/XX/XXXX. I have still not received follow-up information about the loan modification/short sale process, but I have started receiving phone calls from a number registered to Mr. Cooper. On XX/XX/2019 I received one call, with no response on the other end when I answered. On XX/XX/2019 I received three phone calls, none of which had responses when I answered the phone. I have been answering the calls, in hopes of resolving the issue. They continue to harass with calls, without responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
While purchasing a TV from HHGregg i have been making payments without fail until I noticed that my balance doubled recently when I called synchrony financial they informed me that the first two years was interest free for a promotional period and now the interests has been added to my loan almost doubling it with only a small balance remaining this was not explained to me and when I requested paperwork from them showing where I agreed to that she hung up the phone very unprofessional and fraudulent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-05 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 CRA is reporting that I am 30 days late on my XX/XX/2019 payment, this is not correct, I have submitted my payment confirmation that validates my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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 CRA is reporting that I am 30 days late on my XX/XX/2019 payment, this is not correct, I have submitted my payment confirmation that validates my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I have contacted Navy Federal Union multiple times in regards to my vehicle title. I still have not received it. To the point where I reached out to the state of Arizona to request a duplicate title which I have not received. It has been over two months ; I reached out to Navy Federal credit union once more to request another duplicate but requested it be sent to The navy federal credit union branch here in XXXX, NC where I am currently an XXXX XXXX XXXX  XXXX  of the XXXX XXXX XXXX. The representative told me that if I were to receive the duplicate I requested a month ago that it would be void which I stated I would take complete responsibility for and still wanted the title be sent to the branch. She initially said it was possible and then said it was not. I told multiple representatives that this is putting me in financial hardship and I felt as though as a consumer I was just being used to use their financial institution so Navy Federal Credit Union could profit from me then discarded me immediately when my loan was paid off. If this issue ever gets resolved, I will be changing financial institutions immediately. I as a female service member, refuse to be XXXX by a financial institution. Yes, XXXX. Thats how I feel. I feel like I have been abused and used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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:
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation to the following companies : XXXX   XXXX XXXX XXXX XXXX XXXX responded back that this debt was " certified '' by the reporting agency. However no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 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: TX

Complaint narrative:
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation to the following companies : XXXX   XXXX XXXX XXXX XXXX XXXX responded back that this debt was " certified '' by the reporting agency. However no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I HAVE A TOTAL OF 4 COLLECTION ACCOUNTS ON MY CREDIT. I WAS NEVER NOTIFIED OF MY RIGHTS TO DISPUTE .... NEVER RECIVED A COLLECTION NOTICE IN THE MAIL.

I HAVE TWO COLLECTION COMPAINES ON MY CREDIT FOR THE SAME DEBT LVNV FUNDING AND RESURENT CAPITAL

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. 

no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XXXX XXXX Chase bank allowed a debit of XXXX to internal revenue services in which a payment arrangement was going to be for XXXX XXXX and not XX/XX/2019. 
US Senator XXXX XXXX sent me a letter that l am going to share with Chase bank Rep on XXXX XXXX as a affordable payment should be implemented. 
Also, my Dad passed away recently and financially put a strain on me with funeral costs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-05 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: CA

Complaint narrative:
I applied to rent an apartment today XX/XX/19 and I was told I did not meet the credit qualifications required to rent an apartment. I was confused because I do not have many credit cards and the few that I do have, I always make sure to pay them on time and keep the balance low or no balance at all. After checking my credit report I found that there are accounts opened in my name that do not belong to me. I suspect that someone named XXXX XXXX XXXX stole my information to open these accounts in my name. I didn't open these accounts and I never allowed anyone else to do so. I do not have any written or verbal contracts with these companies and I never gained anything such as money, goods, services or any other benefit from these accounts that were opened without my consent nor did I ever make any purchases or payments towards this account. I have already filed a police report regarding this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I received a call on XX/XX/2019, on my cell phone from COMENITY BANK, looking for MY SISTER, who lives in a different state and has a different last name. 

The caller, " Miss XXXX '' insisted that my name was on my sister 's records as a contact ( false ), and that it was urgent that I give her number to my sister, and that my sister call her before XXXX. 
" Miss XXXX '' called from XXXX. She said her callback number was XXXX, xXXXX. 

I have XXXX their number, and read MANY MANY MANY MANY MANY MANY complaints about this bank, the same number, same callback number, same tactics, and also people saying the bank was calling to reach their sister. 

Here 's one response : " You can thank the internet. They list all sorts of outdated information and people that you know ( even though you never heard of them or met them ). These crooks use that information to scam people. This is a debt collection extortion scam. 
One of the tricks they use is to call your family, friends, neighbors and/or places of employment ( past or present or both ) to create panic and embarrassment so that their intended victim calls them and they can scare that person into paying their extortion money. They often call people that have never even been associated with you because they get erroneous information off of the internet. '' THIS HARRASSMENT HAS GOT TO STOP!!!! 
I spoke with my sister who has a very clean record of payments, has few to no credit cards, and I warned her to get a free credit report to see if this horrible company put something on her report. I will block this company 's number on my phone, and she will do the same. 

PLEASE TAKE ACTION SINCE I AM NOT ALONE!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I HAVE 2 UNKNOWN COLLECTION ACCOUNTS ON MY CREDIT. I DONT KNOW WHAT THEY ARE FOR BUT THE ACCOUNTS ARE NOT MINE. I WAS NOT CONTACTED BEFORE THE ACCOUNTS WERE PLACED ON MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I submitted a credit report dispute pertaining to accounts that I had no knowledge of acquiring. Upon sending this dispute I requested a debt validation. 

no documents have been sent to me to substantiate this claim as request. The listed companies are attempting to collect an alleged debt with no proof that it belongs to me as required under the FCRA and FDCP. This inaccurate reporting is causing harm to me and the CRA has refuse to delete this information.

Company response to consumer: Closed with explanation