vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I submit a previous complaint ( XXXX ), the company respond to you, but I 'm not agree with their answer. 
According to their letter they reclassified a deferred interest into a deferred principal without my authorization, and as far as I know is illegal to do any modifications to a mortgage without concert of the owner. 
I did a modification back in XXXX XXXX, XXXX with XXXX ( original lender ), the mortgage has been sold 3 times now. I have a letter from XXXX dated XXXX XXXX, XXXX XXXX 3 months after the modification ) where they say that my PMI was supposed to be removed back in XXXX/XXXX/XXXX where a XXXX XXXX XXXX took place. 
Now this company apply the deferred interest as part of my principal balance, raising the principal from XXXX  XXXX thru $ XXXX. They want to keep making additional XXXX a month in PMI. Every time that I request documents to them, they ca n't submit anything to me. I called at least XXXX times requesting the modification paperwork, every time they give me a 5 days to send me the paperwork. Never received anything from them. Very bad customer service, very rude people with their clients. Still waiting for the next day phone call from one of their supervisors in XXXX at XXXX ( XXXX XXXX XXXX. He was supposed to called next day to give me an explanation about my case. 
I need you help with this case. 
Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Good Afternoon, Hello, my name is XXXX XXXX and I am writing to dispute the late reporting of payments on my credit report which has brought my credit score down a lot. XXXX XXXX, the XXXX XXXX XXXX Officer, informed me that XXXX XXXX is reporting 30, 60 and 90 day late mortgage payments. She also told me there is nothing she can do about it. However, I have never been that late on my mortgage payments. I also put in a modification request last XXXX and was place on a four month trial beginning in XXXX XXXX. As of XXXX XXXX, my new monthly payments were {$710.00} a month and I have been making these payment on time since XXXX XXXX. Therefore, I am requesting that XXXX XXXX remove the false late payment reporting immediately and update all three credit bureaus of my new monthly payment. For further information, I can be reached at XXXX XXXX XXXX XXXX. 

Thanks In Advance! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: DC

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 90 day late as of XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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 — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I made a payment to Walmarts automated system because I was unable to make a payment as usual because their website was down. I also tried contact a representative to assist me because I have had problems in the past but he referred me back to the automated system. The following week I received a letter stating that my payment way no received because of an error with my account. However, Walmart had waved my XXXX payment because of Hurricane Harvey so he told me it was okay! Nonetheless, Walmart sent me another letter yesterday XXXX XXXX, XXXX stating that they closed my account and reported it on my credit report! I immediately contacted them and spoke with several agents and supervisor. They all told me that they could not reopen my account. So I called my bank to try to find out what happen. Finally, I was able to figure out what happened! The automated system and the website has two different account numbers. The automated system has an account number that was closed three years ago! In the past, I had a problem with this situation and Walmart was suppose clear out all the old accounts but never did! I told them what happened and they still refuse to reopen my account! This is unfair credit practices! Please help!

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 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My husband and I have had a joint account at PNC Bank for a while now. On XXXX XXXX, XXXX my husband passed away. On XXXX XXXX, XXXX, his social security check was dispersed to the account and I withdrew the funds as usual to pay expenses. The bank later withdrew the funds saying they did so because he had passed. I visited the bank and spoke with XXXX XXXX. She told us the bank placed a hold on the account pending a response from Social Security. My daughter and I visited Social Security to gain clarity. We were told they had not requested a refund from the bank as I was entitled to the funds because they were a payout from the month of XXXX when he was still alive. We went back to the bank to tell the representative we had met with what was said at Social Security, but were met with a denial. At that point the representative said the government had a hold on the account even though a couple hours before she said the hold had been placed by the bank. XXXX XXXX said we needed to meet with the branch manager who would return on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we met with the branch manager, XXXX XXXX. She stated she needed proof from Social Security that I was entitled to the funds. My daughter called the Social Security office and placed the call on speakerphone. The Social Security representative stated the same information as the representative we spoke with in the office the day before- that the bank should not have withdrawn the funds. However, XXXX XXXX stated they did not know their jobs even though the representative stated she would be able to send something to the treasury to the same effect. After waiting a few minutes, XXXX XXXX asked my daughter to contact the Social Security office again and ask if they could email the release statement directly to her and she would forward it to the treasury department. When my daughter called the third representative said she could not email it because of the confidential information. She also stated she did not see information from the treasury requesting the money back. She stated she sees the funds were paid to the bank on XXXX XXXX. She said if the bank chose to send the funds back, I could fill out an underpayment form to get the funds back. In the meantime, my check direct deposits into the bank tomorrow, XXXX XXXX and the bank is going to take my whole check to settle the overdraft fees they unnecessarily caused. I am left with no money to pay my bills and at XXXX XXXX XXXX I have no other source of income. The bank caused this error and are not hearing my pleas for help to stop it. They have been told my multiple people at Social Security that they should not have taken my money, but they refuse to put it back. Please help me get my money back before I lose my home. I am suffering enough from losing my husband of XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hi, I 'm XXXX XXXX XXXX that reside at XXXX XXXX XXXX TX, XXXX I 'll written several letters to Experian regarding inaccurate accounts on my report and to update my profile, which removing inaccurate information on my report. Such as. addresses, Names, phone numbers and social security number. I 'll call and sent out certified letters. This company has done nothing on my behalf. Since XXXX of XXXX, XXXX XXXX, & XXXX XXXX Sincerely XXXX XXXX XXXX Birth XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX TX, 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 2017-11-02 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: FL

Complaint narrative:
There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have a paid lean on my credit profile and it is more than 7 years old. The lean has a paid status. However on several occasions letters were written to the credit bureaus for the removal of the negative reporting. I also obtained documentation From the IRS showing the lean is paid in full and that is what was requested by the credit bureaus. The deragatory remark is still present on my credit profile, I would like to have the negative information removed from my XXXX and TRansUnion credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: Continental Credit Control
State: CA

Complaint narrative:
I have several accounts that were included in my Bk and they are still showing delinquent. 
XXXX. XXXX XXXX closed XXXX balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX XXXX XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX XXXX. XXXX XXXX XXXX closed XXXX Balance XXXX I called XXXX and was told they wont remove these items even though they are closed with a XXXX Balance and leaving them as a derogatory mark in my credit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have reason to believe that a family member is illegally forwarding my mail to an address that is not mine and is using my accounts to deposit large sums of money into my account without my knowledge. I opened an account with U.S bank back in XXXX to use for my XXXX accounts. I do not know the account number but my social security number is SSN # XXXX My name is XXXX XXXX and XXXX XXXX XXXX XXXX, FL XXXX is the address I had at the time of opening. 

I was under the impression that all accounts where closed under my social security number until I recent received correspondence from U.S Bank notifying me that they where aware that " Usps my change of address '' submitted and will update " My Accounts '' with my new address. I shocked to realized that account where still open under my name. Can you please close all accounts under my name and send every single statement for my account for the past XXXX years as soon XXXX possible. Please send all correspondence to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 2017-11-02 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: FL

Complaint narrative:
There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP

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 2017-11-02 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: FL

Complaint narrative:
There are several accounts that are past the statute of limitations, duplications and the student loans through XXXX XXXX XXXX XXXX are ALL being re paid and should NOT reflect in a collection status. Please correct these ASAP

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 2017-11-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
on XXXX XXXX I purchase a XXXX XXXX from XXXX XXXX in XXXX, NJ. On XXXX XXXX, XXXX I paid the loan off in full. As of this date I have not received the original title or letter stating that the loan was satisfied.l The loan was at the Valley National Bank XXXX XXXX XXXX XXXX, NJ XXXX. On XXXX XXXX I called XXXX XXXX and was told title was mailed on XXXX XXXX XXXX and I told them I never received it. I called on XXXX XXXX and spoke with a XXXX and he said title was never sent but a XXXX party was involved my title support XXXX and I spoke with XXXX she said they ca n't help it was the bank that had the title. Called back and spoke with a with a XXXX XXXX XXXX and she was going to look into it because the depart was closed but she said that the title was probably sent out. On XXXX I spoke with a XXXX XXXX XXXX and she was going top look into it but call XXXX party they could help. Called XXXX at XXXX and said for a fee he would send me a letter to get title from XXXX XXXX. Called XXXX back spoke with a XXXX XXXX XXXX and said they do not have title other company has it not in system yet to call back

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 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: GA

Complaint narrative:
I have called in a few times about the correct, true, and compliant reporting according to FCRA by way of credit bureaus receiving data by XXXX through XXXX XXXX compliance. Every company sending data by XXXX must be compliant by XXXX XXXX standards. I spoke with a few foreign reps for Transunion, who had no clue of what this was, then asked to be transferred to a representative in the XXXX. I get a smug guy. He admits he knows what this means but has no clue how any of the " so-called '' creditors or collection agencies actually do their verification to solidify that any account is the consumer 's account. Being that he admitted this, I asked him to please send our conversation transcript to a supervisor. He asked me to hold on and I did. About 5 minutes later, the phone hangs up. This was my second time calling in the past week. I 've been actually sending them letters because I have a few accounts that I " challenge '' the validity of by way of XXXX XXXX compliance. These " so-called '' companies are NOT at all true and correct in reporting by simply sending the words " Unspecific dispute but verified ''. My challenge letters were very SPECIFIC and are attached. Trans Union and these companies keep playing volleyball with my credit as the ball, making me the net, and and have no clue as to how these companies have verified anything which is against FCRA. Under FCRA XXXX XXXX XXXX, every single one even each and any and all of the unproven not compliant, untrue, incomplete, incorrect, and/or unverified aspects of any alleged derogatory accounts must be promptly annulled in its entirety or even the whole of the claimed accounts are to be deleted. I have been dealing with this since XXXX with Transunion and these non-compliant companies. I am very disappointed because I am in the process of using my XXXX home loan benefit to acquire a home for my family. I ca n't do so with such non-compliance. Every American should be appalled, upset, and angry at such non-compliance and abuse of power.

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 2017-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Financial Resources, Inc.
State: FL

Complaint narrative:
There is a collection that just showed up on my credit file which I do not owe any medical debt, this is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc.
State: PA

Complaint narrative:
I am writing this letter today, to inform you of an egregious error that appears on my credit report. Seterus INC is reporting that I have an active mortgage account with their company that is actively past due. The account number this account is listed under is XXXX. 

The Seterus INC ( XXXX ) account was included in a Chapter XXXX bankruptcy that was discharged on XXXX XXXX, XXXX. I am attaching a copy of my bankruptcy discharge letter, as well as section D of the filing documents, which lists the original name this account was under. 

The bankruptcy that resolved Seterus INC XXXX XXXX XXXX has already fallen off of my credit report due to time. This begs me to ask : If the bankruptcy that resolved the account has already been deleted, why is this account still reporting? The discharge of this bankruptcy would make the date of last activity in XXXX, which was eleven years ago ; so I am demanding that Seterus INC ( XXXX ) be removed from my credit file immediately. 

Worst case scenario, if the Seterus INC ( XXXX ) account does remain on my credit report, I would at least ask that accurate information be reported about this account. It should report at resolved through bankruptcy in XXXX, and should report absolutely no delinquent pay history after XXXX of 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 2017-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a victim of XXXX XXXX. My Bank Institution, XXXX, was not able to be contacted because they also suffered from the hurricane as well. During the hurricane I was not able to reach my account online or call them to be able to manage my account well. I have tried since they opened back up to fix the problems. I contacted the corporate XXXX number, my local bank office and written an email to my personal banker. They have not reached back out to me to help me with my overdraft fees that accumulated due to the lack of service during the hurricane. I have attached the email I sent to my personal banker as a last attempt to plea for assistance. Please read the email as it explains my situation in further depth.

Company response to consumer: Closed with monetary relief