vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
My loan was sold to Specialized loan servicing from XXXX. I had filed bankruptcy as a defense of the sale of my home and that is when the mortgage was transferred. The bankuptcy was dismissed because the payments were very high can could not be maintained. Specialized Loan servicing informed me that I could make the payments to them regardless of the bankruptcy. I paid the XX/XX/XXXX and the XX/XX/XXXX however, when I called to make the XXXX payment I was informed I had to bring the loan current. They refused to take any more payments from me. I attempted 4 times during the XXXX to obtain a modification and SLS would tell me that the payment plan did not work out and the interest rate could not be changed. I have an adjustable rate mortgage with an arm and felt that explanation was not credible. 

Over the months of receiving the modification packages they never told me they were not authorized until XX/XX/XXXX. For the entire SLS held the mortgage hostage with the intent of foreclosing to gain the equity in the home. I went to the NC hardest hit funds and was told that I qualify for funding but I had to come up with " Gap '' funds so I went to my credit union paid for an appraisal and qualified for the funds only to be told they would not extend the dollars to me because I was taking a HELOC. I have al lthe written correspondance that supports each and everything I have said. 

I need help saving my home..I have lived here for almost 19 years. My daughter was raised in this home and it would be very traumatic for her to be uprooted given she suffered a XXXX break in XX/XX/XXXX and she is recovering here in the home. I work full time and I can afford to pay my mortgage if they would reinstate the mortgage, I have spoken with XXXX XXXX as they are the owners/ investor of the loan however, they have denied having the authority to modify the loan as well. This is my only home and when the default occurred I owed XXXX but it is much higher due to interest and fees that have been applied. fees.

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 2019-01-22 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I believe XXXX XXXX with FAY SERVICING violated the requirements for a single point of contact on SECTION 38-38-103.1 During the final stages in the process of LOSS MITIGATION APPLICATION. He would not respond to any emails or phone calls, as I tried desperately to get an update of the COMPLETED LOSS MITIGATION FORMS. 
Soon after my home was sold at a FORECLOSURE AUCTION SALE. 
I also believe DUAL TRACKING was used in this process of selling my home while I thought we were working together to stop this auction of my home. 


*I emailed Loss Mitigation Application to servicer on XX/XX/2018 *I received Acknowledgement of additional documents dated XX/XX/2018 ( return due date of XX/XX/2018 ) [ Additional document requested was home and hazard insurance. ] XXXX XX/XX/2018 I purchased the home insurance they required. I sent the proof of insurance documents via email and fax. 


*I received Acknowledgement of completed application on XX/XX/2018. 

*I received Notice of sale. 
It was signed and dated by the trustee Recorded on XX/XX/2018. 


*I received denial of assistance letter on XX/XX/2018. 


*I tried to contact servicer multiple times with no response. 


*Home was auctioned and sold on XX/XX/2018. 

The required amount of time from the completed application to the foreclosure sale date is more than 45 days. Completed application was 76 days before auction date. 

The required amount of time that the servicer should review my loss mitigation application is 30 days, whereas servicer did not answer my emails or calls, then sent a denial letter 55 days later Upon receiving the denial letter I have 30 days or more to respond. They auctioned my house 20 days later with no contact our no chance for me to properly respond by to my denial letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
This complaint is about a XXXX ' store credit card account, with XXXX XXXX, which I XXXX XXXX, the account holder, previously had finally land a problem with my XX/XX/XXXX monthly payment transaction prior to past complications. 
For example ; far as the creditor utilizing a trace of my identity, the last four digits of my social security number, for the last four digits of their telephone number, and posting illegal late fees to my account as well. 
A five year payment history documentation should clearly express and compare my payment behavior to the last late fee illegally post to my account as well as a partial of my social number being the company 's telephone number, Which is a second violation. 
Now so, I would like to possibly claim damages in best interest. Sue or/and cease payment for damages. 
They could not only harm my credit and expose half my identity from a long term, loyal customer of commitment but, to the public, but can cheat me to. They just cant bully, harass and rip off consumers like that. They are way over the line. Please consider I XXXX XXXX opened the account in year XX/XX/XXXX and is currently the ongoing account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2019 I disputed the accounts on my report telling them that it has been determined that I was suffering from XXXX XXXX and was not legally competent to contract for debt and they sent me an update on XX/XX/2019 stating that the account is staying the same because it was proven that the account was mine. I never said it wasn't so I feel my dispute is not being read or properly disputed with the information I am giving but being disputed with reasons that I did not give.

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 2019-01-22 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: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
I am writing this complain because Bmw financial services has reported and inaccurate 30 day late for XX/XX/2018 to my credit report which has made my score drop drastically. During this time I had reached out to Bmw financial services to explain my situation. I explained that the autopay should be cancelled because my checking account information was compromised. I was not able to make any payment online or over the phone. Representatives at Bmw financial services explain that I could only make a payment using XXXX XXXX. I did so. Shortly thereafter while checking my report, there was a 30 day late reported to credit Bureaus making my credit score drop drastically. After speaking with a representative the understood and told me to dispute it. This is my 3rd loan with Bmw financial services and I have never been late. And also before this I had 100 percent payment history with all of my accounts. Please remove this late payment so I could continue my payment history at 100 percent. It was a misunderstanding between Bmw understanding to not pull out of an account thats was have unauthorized transactions taking place. Please help me and remove this XXXX late payment. It is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I disputed the accounts on my report telling them that it has been determined that I was suffering from XXXX XXXX and was not legally competent to contract for debt and they sent me an update on XX/XX/2019 stating that the account is staying the same because it was proven that the account was mine. I never said it wasn't so I feel my dispute is not being read or properly disputed with the information I am giving but being disputed with reasons that I did not give.

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 2019-01-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2019 I disputed the accounts on my report telling them that it has been determined that I was suffering from XXXX XXXX and was not legally competent to contract for debt and they sent me an update on XX/XX/2019 stating that the account is staying the same because it was proven that the account was mine. I never said it wasn't so I feel my dispute is not being read or properly disputed with the information I am giving but being disputed with reasons that I did not give.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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: NJ

Complaint narrative:
TransUnion is reporting over 80 unauthorized hard inquiries to my credit report. Just TransUnion. Not XXXX  or XXXX. I have not authorized these inquiries and I have explained this to TransUnion. I want these inquiries removed because I have not authorized anyone to run my credit over 80 times. Other reporting agencies removed to as unauthorized but TransUnion has and will not. Please help me have these removed.

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 2019-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Perfection Collection
State: VA

Complaint narrative:
I have never signed or established a contract with XXXX. My wife, who I was separated from at the time, set up a XXXX contract for a home she purchased in XX/XX/XXXX. 

On XX/XX/XXXX, I received email from XXXX stating that my account was 60 days past due. I immediately forwarded it to my wife and asked her to find out why this was being sent to me. 

XX/XX/XXXX, My wife contacted XXXX via phone and tried to fix the miscommunication. She was told that I was the account holder, and I was would have to fill out paperwork. Later that day, I received an email from XXXX XXXX providing me with a name removal memo and an Addendum Agreement. 

Being the businesswoman that my wife is, she was offended because she knew I was not the account owner nor did she want me to be. A couple days later, my wife and I both got on the phone with Vivint to question how my name was on the account in the first place. We then requested to receive a copy of the contract agreement. Again, we knew it was impossible for me to have signed or be on a contract agreement. On that phone call, we were told they could not find a copy of our service agreement and requested that we find a copy of our agreement and send it to them. 

My wife asked the young man on the phone, " If people can't trust you to keep up with my service agreement, then how can I trust you to monitor their home? This is unsatisfactory. Find the contract and email it to ... '' That was the last time either of us spoke to or heard from anyone at XXXX. I have since disputed the bill on my credit report to no avail. 

I appealed to the debt with the debt collector through the appeals process, and have not been able to get this removed from my credit report.

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 2019-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kevin B. Wilson Law Offices
State: FL

Complaint narrative:
Paid dept on XX/XX/18. I have requested paid receipt x3, spoke with a XXXX at his office. Hospital charged my the same amount paid, apparently they did not get paid notice either!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Credit card lost in 2017. Walmart replaced with a new credit card but this old card still shows up on my credit report. I would like it to be removed.

All other collection account was closed on behalf of the company. I had no late payment and kept cards up to date.

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 2019-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XX/XX/XXXX I submitted a general forbearance request to Navient via email they provide. This is for a loan that was due on XX/XX/XXXX. I have been diagnosed with XXXX  related symptoms and dealing with their automated system has been very stressful. I have spoke with them in the past and advised that I do not find their website or telephone system user friendly so they provided me their fax and email. I also followed up the request with a fax same date. Did not receive a response so I emailed and faxed again on XX/XX/XXXX. On XX/XX/XXXX I received a bill that the amount of loan is passed due. 

This occurred last year also. They provide ways other than telephone or computer but then they do not process your information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I have notified XXXX  of my current situation of being a XXXX employee and requested an extenstion or change in payment date. I was told twice that " We are unable to offer a grace period or an extension on your monthly payment ''. I contacted them prior to the furlough and requested a payment date change " Sorry but your payment date can not be changed ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-22 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: Midwest Recovery Systems
State: MI

Complaint narrative:
On XX/XX/2019, a collection account in the amount of {$400.00} was added to my credit report from a company I have never heard of, nor have I received any documentation stating that I owe this debt. Midwest Recovery Systems is the name of the company. They claim they are collecting a debt from a company called XXXX XXXX XXXX, who is not a company I have done business with. Searching online, I have found this is a severely fraudulent company and many others have had this same situation happen. I disputed it with XXXX, but they did not complete a thorough enough investigation and left it on my credit report. On XX/XX/2019, this same debt was added to my XXXX  report. I am in the process of disputing it with them also. 

Reading these reviews, I have found this company also has violated many collection laws with some threatening arrest and so on. It makes me think that this is the same company that reached out to me a few months ago at my work, telling my boss that I was going to be arrested for not paying a debt. I ignored them because I knew it wasn't true. It all sounds connected to this fraudulent activity on my report now. At that time, I had filed a complaint with the FTC and Attorney Generals office for the State of Michigan. After that, I never received another call. 

I do not understand how this can happen. There needs to be better accountability by the credit bureaus to protect consumers from this type of action that can affect so much in our lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
My name is XXXX XXXX, i currently have a mortgage with freedom mortgage. I lost my j9b and became 2 months behind, i have been in loss mitigation for over a year, the company just before XXXX  told me they had all documents and a decision would be in 30 days, never recieved that decision in writing or by phone. Last week i was notified they were missing documents, i sent them to the company and the week before i sent them other documents that they have requested, this has been going on for a year now, plus on top of that every month they include inspection fees. This month when i went to pay the mortgage i found the customer service rep to be extremely rude, i made my payment however she was very persistant about paying the behind payments, i told her we were working with loss mitigation.

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 2019-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
I have a charge dispute with Discover thats going on 4 months now, for goods and services that were never received. A merchant charged {$6800.00} on XX/XX/XXXX for a siding job on my and my husband 's house. The merchant never delivered the goods or service, and after a year of excuses, the contract was cancelled, and I requested a refund. Through repeated attempts, I have been unable to contact the merchant since then. After failing to resolve this with the merchant, I opened a charge dispute with Discover.

4 months in dispute and this charge has not been settled. Ive provided extensive documentation of the merchants non-delivery and contract breach. Each time I speak to the dispute department, Im told additional information is needed, and I provide this information. However, on my XX/XX/XXXX phone call to the dispute department, I was again told Discover requires additional information, however this time I was told I cant tell you specifically what that information is. The agent also inquired as to why Discover should be responsible for refunding me this money.

Discover claims this is still a valid charge, despite the fact that I never received the goods/services. As the charge is beyond 3 months, Discover no longer has the ability to chargeback the merchant, so the money would come from Discover itself. I believe this is why Discover continues to claim the charge as valid, because it would cost them money otherwise.

Company response to consumer: Closed with monetary relief