vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear CFPB, My complaint is with my mortgage company, SPS. 

Letter from SPS dated XX/XX/XXXX, states ... 
My payment currently is @ 3 % {$3000.00}. New payment is @ 4 % {$3300.00} effective XX/XX/XXXX and scheduled to go up XX/XX/XXXX, and again to increased to 4.125 % and is effective again on XX/XX/XXXX and scheduled increase again XX/XX/XXXX to {$3300.00}. 
I had applied for a loan mod back in XX/XX/XXXX, with no results. SPS wasn't clear with their requests each time they asked for additional info and I was returning info on XXXX paperwork, but later several months, found they wanted the info on their paperwork, even though info almost same, just not on their paperwork, so in the end my paperwork was thrown out. I had to start all over and this took me about a month to mentally wrap my head around the chore I had to do AGAIN, but after calming down and receiving their forms. I reapplied in XX/XX/XXXX, a few questions about my paperwork again, they seem to question my paycheck status, they question why was I missing paychecks, I explained I only worked two days in first quarter of this year and I highlighted the info describing that, like year to date # 's. Then they said I wasn't reporting workman 's comp checks. I explained, I am not reporting because I am not receiving, they found that odd for me not to be collecting. I explained I only work one day a week and I don't qualify, I only work one day a week because I am a full time mother to my XXXX year old with XXXX, trying to transition him into adulthood since the school district did not. Another reason I need help with my loan mod, because he has cost me $ XXXX recently for XXXX assessment and {$7500.00} for XXXX XXXX XXXX remapping to help him deal with real world. Finally it was in underwriting and they questioned that again. Finally, I find it is in its 30 day time frame starting XX/XX/XXXX, I received a resolution on XX/XX/XXXX explaining they were declining my loan mod. However, The amount they showed as income was {>= $1,000,000}, when in reality it is {$8500.00}, because I am not working nor am I collecting unemployment, this is a discrepancy, I called XXXX and they suggested I reach out to 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 2020-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NV

Complaint narrative:
XX/XX/XXXX phone contact with IC SYSTEMS INC I was never given a written letter about any collections. IC systems inc is trying to forcefully make me file a police report about this said collections without informing me on how to dispute it.

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 2020-05-26 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}

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 2020-05-26 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didnt take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later Im receiving letter after letters of several unpaid accounts that I have never opened. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am not familiar with. These accounts are not mine. Please remove. XXXX XXXX {$2300.00} XXXX XXXX  XXXX {$0.00} XXXX   XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$40000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX  XXXX {$840.00} XXXX   XXXX {$0.00} XXXX  XXXX {$3500.00} XXXX XXXX {$6700.00} XXXX  XXXX {$2600.00}

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 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
The mortgage company refuses to mail me my statements in a timely fashion. I did not receive my statement until 5 days before my payment is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a letter dated XX/XX/2020 from US Bank stating that it was closing my account immediately for inactivity. In almost all cases in the past, with other credit card companies, I would receive a letter letting me know that my card will be closed for inactivity in 30 - 60 days unless I ( 1 ) give them a call to discuss keeping the card open or ( 2 ) make a purchase using the card scheduled to be closed.

I found this concerning because most Banks appear to be bending over backward to help their customers during the pandemic. In this case I wasn't given an opportunity to resolve the matter and keep the credit card account open. 

I called Customer Service at XXXX at approximately XXXX XXXX EDT on XX/XX/2020 to discuss the matter as instructed in the letter. The Customer Service Representative told me that this was considered a permanent close and if I wanted it to be re-opened I would have to reapply. I didn't want to go that route so as not to affect my credit score with a new inquiry and asked to speak to a supervisor. The supervisor told me the same thing and let me know that there was no one else I could talk to. I found that surprising and ended the call. 

I just looked at my XXXX FICO Score XXXX on XX/XX/2020 at XXXX XXXX and have an XXXX credit score - nine points away from a perfect score using that model version. It appears that credit scoring was not a variable in their closure mode where they could secure a soft hit on my credit report to determine the minimal risk I present to the Bank without impacting my credit score. 

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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for an auto loan and was shocked when the dealership told me I have a negative account. Although I was still approved my interest rate was coming out higher. I reviewed my credit report and found a negative account that does not belong to me. I called the company to remove it and more than 60 days have past I have not received a response. I believe someone used to identity to obtain good that I am unaware of. I never used this company for any type of service nor have I given anyone authorization to use my name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Wells Fargo has placed or enrolled me in forbearance without my permission. This has negatively impacted me as XXXX XXXX  has placed my home equity mortgage application in denial status because of this. Wells fargo has emailed me admitting to and apologizing for the error. They stated the issue would be resolved by XX/XX/XXXX. I applied afterwards at XXXX XXXX XXXX XXXX and was denied. Wells fargo pushed my resolution date back to XX/XX/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 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MN

Complaint narrative:
On Sunday XX/XX/20 I was searching for a new credit card offers online. Out of no where there was a pop up by this company Lexington Law and they made it seem promising and fact my credit score would be better and they would help repair and remove any  negative stuff on my credit report. They sold me I was stupid and should never trust this pop up site they demanded for my full social security number and my address my name my email my phone number and yet they demanded a payment set up process they pre authorize money from my bank debit card amount {$14.00} and they got my card number. So I was trying to reach them I called them XXXX turn out it was a bogus line it appear I can text them here so text them asking for help log in no responses and yet they have a system I can reset my log in I click it they stated go to my email and follow the direction of reset log in I am now confused I got no email or any help from this co and yet they have my social security number and call them spoke with XXXX and he never help me and refused give me my email or log in info and yet I paid for a service that they never promised or provided the service and yet they want me to wait for a supervisor call me I never request for one and I want an answer now and yet they phishing my information stated I have an account with them prior XX/XX/20 they made it sound like I am already I customer I have no clue I just signing up for service on XX/XX/20 unless Lexington law sign and allow someone elses uses my info and to steal my credits information with out my permission and I now fear this company has allow someone elses sign up their service prior me joint the service on XX/XX/20 this is a concern I immediately asked XXXX cancel my service and refund my money he refused and yet forcing me speak with his supervisor and want to scam and call me I said no way. And yet paid for a service and no service and no help and yet fear they scam me and also they made it song like I already had their service prior XX/XX/20 I have no account set up prior XX/XX/20 and they took my money left me without any help and yet the guy name XXXX said his company been in business for 20 years + and yet they violated my rights all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I own a UBER Visa Credit card with Barclays US. I owned the card for over a year and accumulated worth of {$170.00} points/rewards. 
I am having financial difficulties paying down my balance so I requested them to use my points and redeem them toward my credit balance to pay down the balance. They are not willing to do that and they are basically telling me my only option is to redeem my point to Uber app and used Uber services. 
I do not use uber services, I did not know about this policy while I was using the card for my purchases, and I really need my {$170.00} to help me to pay off my credit card balance. 
I have been having long conversations with the credit card company but they are not willing to accept my request. 
My complaint is why a credit card company should be able to force me on how to spend my points? 
Please review and help! 
Thanks, 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 2020-05-26 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Submitted a detailed complaint regarding an employee interaction and a breach and manipulation of my credit report & info. with CFPB and the response from experian was an evasion tactic that a CFPB supervisor explained they had been " seeing a lot lately '' and that it was their " newest trick '' to shut down consumers and complaints. 

What he was referring to was Experian basically pretending/saying that they would not investigate my issues because they did not believe i was the one who had made the complaint and so " for my protection '' they were dismissing/not acting on m complaint. I am going to forward the prior and this complaint to the district attorney 's office and the FTC so please be as thorough as possible and get NAMES etc. of any contact regarding this. 
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 2020-05-26 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: FL

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open these account with XXXX   XXXX XXXX Account # XXXX and XXXX XXXX account # XXXX, Account # XXXX. I am not responsible for any payments for this account. I have no business with XXXX XXXX XXXX XXXX XXXX and its successors. XXXX XXXX XXXX and XXXX XXXX is " third-party debt collector ''. This collection agency typically buys unsecured credit card debt from companies. I do not have a loan or contract with XXXX   XXXX XXXX and XXXX XXXX or owe a debt to XXXX   XXXX XXXX and XXXX XXXX is attempting to collect a debt on the basis of fraud. XXXX XXXX XXXX and XXXX XXXX has report false, derogatory, defamatory and slandering information about me to the 3 credit Bureaus on account # XXXX and account # XXXXby which has resulted in my being damage, such action cause by way of denial of credit due to the inaccurate and negative information!!! XXXXXXXX XXXX XXXX and XXXX XXXX decided to ignore my demands for Validation and delete the negative information immediately on my credit report. 
Over the past several months, I have tried to resolve this issue on XX/XX/2020 and XX/XX/2020 by Demand to Cease and Desist ALL Collections Activities and filing a complaint FTC but to no avail, refusal. XXXX XXXX XXXX and XXXX XXXX decided to ignore my demands for Validation. The item was not being reported legally and lawfully. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Provide proof of claim with evidence that you have legal and lawful authority to collect. 1. ( actual accounting ) 2. ( sworn affidavit or signed invoice and 3. A copy of the contract binding both parties.. Failure to substantiate the claim, Delete account immediately. I will further pursue all of my legal remedy without further notice to companies. Please Remove/delete XXXX XXXX XXXX and XXXX XXXX, immediately!

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 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: MO

Complaint narrative:
Before purchasing the home the city of XXXX XXXX misclassified my property as a commercial building for the year of XXXX. With no warning 1 year after owning the home my payment increased by $ XXXX/month. After speaking with the city my taxes were adjusted to normal rates. My mortgage company took three months to readjust payments and over {$900.00} was over paid to CMG financial. I was told that money would not be returned but placed in my escrow account which would be refunded upon paying off my 30 year mortgage. In order to avoid that and due to hard ship over Covid-19 I applied for Forbearance on my mortgage. My idea was to underpay the miscalculated taxes so as to save the {$900.00} overcharge. I made a partial payment on my mortgage in XX/XX/XXXX to accomplish this. Since my payment has went back to a normal adjusted rate. I was told to apply for a loan modification due to my Covid hardship by CMG. I had to cancel my forbearance in order to do so. On three separate occasions I have given permission over the phone to cancel my forbearance and filled out all necessary documentation for the loan modification. CMG has continuously told me they never received my paper work even after others in different departments have confirmed my submission. I have been told on multiple occasions my forbearance is still in effect, even after canceling 3 times. I submitted my documents by fax, email, and by mail because to fix my tax situation was so grueling of an experience I wanted to ensure they received my paperwork. Every time Im on hold the line drops off. I have spent over a full work week 40 hours waiting on the line to accomplish this loan modification process and tax modification to no avail. I was also told in order to cancel forbearance I have to pay {$1800.00} over my bills this month in order to start my loan modification process and heathers is no guarantee the city of XXXX XXXX will refund me. What are my options? This companies negligence is causing me serious financial hardship and distress. I have no idea where to turn at this point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
M & T Bank is imposing unreasonable requirements to close my account. On XX/XX/2020 I sent M & T Bank a written request to close my account. M & T has refused to close my account unless I mail a notarized letter. As I explained to M & T on XX/XX/XXXX, requiring a notarized letter is unreasonable not only because it costs money I can not spare, but also because notarization would violate the stay-at-home and social distancing orders. As I had already explained to M & T, for Covid-19 related reasons I can not even visit a bank branch, much less go see a stranger or have them visit my home for notarization. It appears M & T is making up reasons to hold my account open against my written wishes, to count me as a continuing customer and charge me monthly maintenance fees. I just can't afford it. Please see my attached correspondence with M & T Bank, and thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Requested mortgage assistance with my previous mortgage servicer XXXX because of my recent divorce. The mortgage modification was granted and I made the 3 trial payments to XXXX mortgage. My mortgage load was sold and transferred to Mr. Cooper. Mr. Cooper customer service stated they only received 2 trial payments from XXXX mortgage. I was instructed by Mr. Cooper Customer service to resubmit request for mortgage modification again because of them receiving 2 payments. I was approved by Mr. Cooper for the 2nd modification and made 2 of the trail payments by phone, the 3rd trial payment was scheduled by phone, but Mr. Cooper did not debit my account for the final payment. I contacted Mr. Cooper to inquire why the payment wasn't drafted from my account. I was informed by customer service they saw the payment was to be drafted in their computer but it wasn't drafted. I asked for a Supervisor and I was instructed by the Supervisor they would research the problem. Called Mr. Cooper a few day later to check status. I was informed by the Supervisor they saw in the notes payment was called in to be drafted and they don't know what happened and why it wasn't drafted. I have recently resubmitted request for mortgage assistance again and my mortgage is still in default. Mr. Cooper has been unwilling to assist me with resolving the issues with my payments. I feel the mortgage servicer is trying to allow my home to foreclose. Please Help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
I got a call from this debt collector regarding an account that is not mine and they refuse to remove it from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX {$880.00} XXXX XXXX  XXXX {$570.00} XXXX XXXX {$970.00} XXXX XXXXXXXX {$10000.00}

Company response to consumer: Closed with explanation