vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 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: GA

Complaint narrative:
I have contacted XXXX to dispute that they are inaccurately reporting that I was late in XXXX and XXXX  2011. Please help me to get these late payments removed from my credit report. I was never late to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: CA

Complaint narrative:
this account was never late, and i have already tried to send letter that was provided by XXXX XXXX XXXX, but experian is not trying to help, the other XXXX bureaus have already removed this negative except experian, please have this negative removed from my credit on experian, the letter from the creditor is attached thank you

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 2017-09-25 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: CA

Complaint narrative:
this account from XXXX XXXX does not and should not have any delinquencies, i have already submitted the letter from the creditor itself to all three major credit bureaus, experian and XXXX have not removed this inaccuracy yet, please find attached the creditors letter for which they have approved of doing so. 
thank you

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 2017-09-25 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: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
this account was never late, and i have already tried to send letter that was provided by honda fin svs, but XXXX is not trying to help, the other two bureaus have already removed this negative except XXXX, please have this negative removed from my credit on XXXX, the letter from the creditor is attached thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I believe that per the terms of my real estate contract purchasing the property where I reside that I will be eligible to cancel my mortgage insurance in XX/XX/XXXX. I have contacted my current loan servicer - PennyMac - on two separate occasions, asking them to provide me with the information that I need to cancel PMI, but to date, no information has been provided. PennyMac has simply chosen to disregard their obligation to tell me exactly under what circumstances my mortgage insurance will be cancelled, and instead has repeatedly told me that I just do n't qualify at this time. The first letter I sent was in XX/XX/XXXX. PennyMac responded in XX/XX/XXXX with a letter that stated that I did n't qualify. I responded to their letter with a letter dated XX/XX/XXXX demanding that they provide me with complete information regarding how and when my mortgage insurance could be deleted, which was ignored. I wrote again in XX/XX/XXXX in anticipation of the approaching date when I could cancel my mortgage insurance. Once, again, in a letter dated XX/XX/XXXX, PennyMac did not provide me with any information regarding when and how my mortgage insurance could actually be cancelled, they basically just told me that I do n't qualify now, and that 's it.
I personally believe that this is an attempt on the part of PennyMac to deter me from not only cancelling my mortgage insurance now, but also to discourage me from inquiring about it in the future. It seems to me that they may just believe that if they simply continue to deny me, without providing detailed information regarding exactly how and when I can cancel my mortgage insurance, that I will eventually give up, and just continue to pay the premiums, maybe for many years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I previously filed a complaint with CFPB regarding Specialized Loan Servicing about my mortgage.
As previously stated, Specialized Loan Servicing has been  holding insurance funds that they were not entitled to since XXXX XXXX. I paid for all the repairs to my home. Specialized Loan Servicing was to endorse the check and return to me. Rather they deposited the money, applied it to my mortgage for 6 months of payments, then reversed the transactions after a couple of months, leaving me in default, held the monies in " escrow '' - filed a foreclosure suit against me, had me refinance with them - and said they would only return me my insurance proceeds after I made payments for 6 months. 

During that period of time, I was accidentally copied on an email between Specialized Loan Servicing and their counsel, where they said that they would provide me with a modification package but were going to deny it upon my submission and proceed to foreclosure. ( a copy of this email was previously provided to CFPB ). Once Specialized Loan Servicing and  their attorney learned that I had a copy of that email, they immediately allowed a modification but not without tacking on fees to the mortgage amount and refusing to return my insurance proceeds until they received the 6 months of payments. 

After 6 months they did not return my money. When I repeatedly called and asked, the representatives told me that I had to have an attorney call to get my money back. 

They then started returning my payments. 

In their previous response to my complaint to you, they said they were looking in to the matter, that I had more than a year of unpaid mortgage payments, at the time, which was not true and that they would continue to look into the matter and respond to me. 

CFPB closed the matter with the response. 

Specialized Loan Servicing did not respond to me. Did not send me my insurance proceeds. They did not send me any correspondence. 

I have been informed that they went ahead and filed a lawsuit against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Commenity Bank called my father on XXXX/XXXX, XXXX/XXXX and XXXX/XXXX at which time they disclosed my debt concerns with him. They also called my brother on XXXX/XXXX and disclosed that I am in debt and stated that I had until XXXX today to call them back or they were going to take legal action against me, they left this information in a voicemail to him. No one in my family was aware of my situation until these calls were made. This was private and has cause a great deal of public embarrassment for me. 

I did call them back and have set up payment arrangements. I however would like to know if legal action is appropriate in my case. 

I called and spoke to them multiple times to advise them the medical reason that I fell behind in my accounts. I asked them to stop calling me while I was at work as I am unable to answer my phone while there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
In 2013, the validity of the collection account was disputed over the phone and all contact directed to my attorney. 
Account Number : XXXX Original Creditor : XXXX XXXX By communicating the debt to credit reporting bureaus, e.g., XXXX, without acknowledging that the debt is disputed, National Credit Systems violated the FDCPA for the failure to communicate that a disputed debt is disputed. 

For reference : 1. The " original creditor '' is no longer in business.
2. The statute of limitations for enforcing this type of debt through the courts in Texas has expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I believe that Equifax are handing out randomly-assigned answers from their Potential Impact website : https : XXXX Entering both mine and my wife 's information twice, we both got different answers each time. As I am a semi-recent XXXX  to the US I do not even show up on their site, yet I still received two different answers from this " Potential Impact '' site.
I believe Equifax are attempting to appear competent in dealing with the backlash from this situation, but in reality, they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
I am writing in reference to the AFFIDAVIT that their office but has to respond. Also we have not received all the information requested validation of debt and they are still rushing forward with the sale. 

Cancel Checks of Transaction Proof of license to collect debt in Georgia Verification copy of judgement Any assignment of mortgage that can declare legal standing records of all correspondence from you I have enclosed a copy certified affidavit just in case it has not uploaded to your office. I faxed the affidavit over to XXXX and mailed to the locations listedlisted in the attachment. Mortgage frau has been commited an they are not answering to i. 

I tried calling and leaving messages along with my counselor but the person voicemail stated it does not allow messages to be left andthey have not returned the call. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: NH

Complaint narrative:
My daughter wants me co-sign on her loan. I read through the documentation and can not find a clause where it states there is no prepayment penalty, ( since I do n't want to pay 8 % for 15 years ). I called Sallie Mae and both an employee and manager told me that they do n't have it written anywhere. It 's implied. Well I do n't think that is legal. In every bank I ever dealt with there is always a disclosure statement that tells you the rates and rules of the loan. I find it hard to believe that Sallie Mae does n't do this and no one has ever brought it to their attention. My concern is that I would like to see it in writing that there is no prepayment penalty before I sign the loan. Thank you for looking into this matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
My child support XXXX  will not allow me to access my online account. Every time I call the wait time for customer service is approximately 90 minutes. Money is missing and they can not explain why? There have been several times I know there is money there and my transactions are declined and I can not access my account nor will they stay on the phone long enough for me to dispute my transactions the phone " suddenly cuts off. '' I am beginning to think this is a scam so that people do not have access to their accounts and have no way of knowing where the funds went or report fraudulent activity. 

I will need an investigation into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Contacted by Resurgent Capital Services via Mail regarding a XXXX Debt to XXXX via XXXX XXXX account. Debt is outside Statute of limitations for debt collection for NY State and I was already sued in XXXX and WON against a prior junk debtor affiliated with Resurgent, LVNV Funding. LVNV could not establish chain of custody and was not the original debtor. Also was outside of SOL so the case was dismissed. 

It seems they are trying to take another bite at the apple and the letter states that " court rules require that you tell the court that the SOL has expired to prevent the creditor from obtaining a judgement ''. So I have to spend time and money to write a letter on something that was already dismissed but since the debt was sold to a partner of LVNV they can again try to do this to me? It seems there are really no protections for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have been submitting information to Chase since XXXX of XXXX. I sought out a HUD approved counseling agency to seek assistance. My XXXX has complied with all the information that has been requested. The customer relationship XXXX XXXX XXXX has reached out to me on only one occasion. To date I have not heard from her in regards to the status of my file. They have asked for the same information multiple times. My wife has developed one new XXXX on her brains. She has been sick for the last couple of years and only collect social security. This has caused an incredible amount of stress on us. I am just looking for some resolve on this issue. I do n't feel Chase has done their due diligence in reviewing my file properly. I spoke with them today. They asked for the same information over again. They requested a XXXX back in XXXX which was provided to get a YTD on my income since it varies. My XXXX submitted the information more than a month ago. They are now asking for a LOE for the payment frequency on my job. This could have been requested a long time ago. Now other documents have expired that were sent in previously. Please help my family. Thank you kindly for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I have received repeated calls from XXXX XXXX XXXX  XXXX @ XXXX. They are calling my ex husband, my work, as well as my cell phone repeatedly. I have told them to cease contact. They stopped for two weeks, but now they have started again. The last time we spoke, on XX/XX/XXXX, 2017, I told them to proceed with the threats - which included court procedures. They proceeded to use name calling as a form of intimidation. I also told them that I have an attorney, they said they could n't legal discuss any further. But, another employee proceeded to call me a minute later. Specially, this person ( named XXXX ) said I was " XXXX '' for allowing this to continue. I shared with them that I would be reporting. I did not report that day, but here we are, nearly 3 weeks later, and they have started to contact me again. Today, I received 4 calls within a three minute time frame. My phone is ringing repeatedly from these people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
I have mailed, faxed, and called both XXXX and Diversified Consultants multiple times regarding an account from XX/XX/XXXX and a collections reported in 2015 : 1. There was a FEMA disaster here in Colorado and this phone was lost in floods of XX/XX/XXXX. I have attached a letter from FEMA certifying this. 
2. I tried several failed times to pay XXXX through their Web site including the attached printouts and notes dated XX/XX/XXXX indicating my attempt to pay. After calls to Customer Care they indicated I should pay at an office. 
3. I did pay {$200.00} at XXXX/XXXX store on XX/XX/XXXX to pay off the balance due and I have attached my business XXXX credit card statement showing that payment. I never heard anything again for 6 months and had every reason to believe my account was paid and everything was fine. 
4. In early XX/XX/XXXX, I received a collection bill from Diversified Consultants. I called and spoke with a XXXX at Diversified Consultants XX/XX/XXXX. Even though he understood I had already paid and had proof of payment, he said that if I paid him directly AGAIN, the collection would be fully REMOVED and DELETED and NOT listed as in collections. I foolishly believed him and made a second payment to get my credit report cleared. I have the bill and my hand-written notes and the confirmation # XXXX as well as another XXXX credit card statement showing that {$230.00} payment made. 
5. On XX/XX/XXXX, I sent the previous attached letter requesting this correction. I followed through with a phone call on XX/XX/XXXX after speaking to supervisor XXXX ID # XXXX who said if I faxed proof of the original payment was made before it went to collections in XX/XX/XXXX to XXXX she would get this corrected. 
6. On XX/XX/XXXX, I sent another letter to both XXXX and Diverisified detailing above and requesting a response. No response ever received for any of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I am a victim of hurricane XXXX. I called my mortgage co the week of XXXX XXXX on the process for my damage house. They advised me to mail in my check from insurance to them both on it and then they would disperse funds back within 4-7 days. Last week I mailed the insurance check and verified if they had received and was told no. Then told by another person at mortgage co the process would take 4-5 days to review then around 7 days to mail the check. Then I look online later and receipt for my insurance check had been received. Now I called today to start paying for repairs, and my file has not been approved yet. I asked for a manager to call me last week and no one called then today I asked for a manager to call me and still nothing. I need to pay for the expenses incurred now not later.
It 's amazing they have cashed my check getting insurance on my money ( insurance funds ) and I ca n't even get to pay my bills for repairs. I do n't have an escrow with them even. I have paid my taxes and insurance seperately. This process is ridiculous. I have always paid my insurance and home mortgage on time now when I need them they will not pay me my insurance funds to fix my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX of 2017 I was contacted by Chase bank to be solicited banking products, and I told the rep that I was looking to refinance my construction loan so they transferred me to their mortgage group. The Rep recommended a 120 day lock product, and promised a {$3000.00} credit for closing costs. I was requested to deposit {$6000.00} to make sure I committed to borrow from them and {$500.00} for the appraisal which I paid. I asked the loan officer if this was the right product for me, given the new construction was not complete and there was risk of 2-4 weeks of delays. He assured me that his branch manager will provide at least two extensions for free, and maybe more and not to worry about it. He recommended it was the right product for me.
I moved in the property, and asked Chase to do their inspections since the property was finished inside, but had a few outside items to still be complete. The inspector identified the items, and I agreed to provide the money in an escrow to the bank and receive the funds after items were completed. The bank extended the loan and mentioned that there is no issue with extensions. After we completed the checklist the bank wanted stair railings, so I installed temporary ones to satisfy the conditions. 

Throughout the process I asked them and reminded them of terms agreed, and they mentioned up to 2 days prior that all was the same as agreed and to ignore all closing disclosures up to that point as incorrect. The day before closing I was informed that Chase no longer will provide the {$3000.00} closing credit as it had to extend the loan too many times, admitting the last two extensions were due to their fault. I was furious and asked to walk away from the deal.
I spoke to the manager, who mentioned that I will not be receiving the credit, and that they would keep {$6500.00} already paid if I walked away. I could have borrowed today at 1/8th cheaper and a closing credit.
In short, the {$3000.00} closing credit never showed up to any of the closing statements ( over 20 of them issued and told to ignore ), which makes me think they never indented to pay. They knew they could corner a customer with the extensions and as a result they could change the terms at the last minute. This is a sign of a bait and switch and wanted to report so others do n't get trapped into this lending tactics.
I attached two Closing Statements, one that had changed every week, but never mentioned the closing credit and the final one after all points and extensions that were used to scare me went away.

Company response to consumer: Closed with explanation