vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: EMBRACE HOME LOANS
State: WA

Complaint narrative:
In XX/XX/XXXX, my mortgage company informed me ( attachment A ) They were changing partners in collecting the payments. In this document they wrote what do you need to do? nothing we take care of everything. So I went on to the next piece of mail. Later I picked it up again and found that I would in fact need to be involved in setting up payment through my bank. So I tried contacting the lender Embrace Home Loans, offering to make small additional payments to my mortgage until the month was paid for. I was willing but the amount they expected was more than I could scrape together. So I was n't able to resolve it that month, the next month they did not take the money that was there even though I set it up to be paid, since I had according to them defaulted on the loan. I sought help and was contacted by XXXX, XXXX was the contact. He hooked me up with XXXX XXXX who had previous experience fighting my lender and claimed not only the lender was practicing Predatory Lending, but that they could reduce my mortgage from $ XXXX- {$340.00}. I paid {$700.00} a month for their help for 5-6 months, and then the suddenly seemed to be trying to work with me. The contact at XXXX XXXX, called me and reported the offer the lender came up with was {$700.00} a month. I can do that, but it was n't what I was offered. Anyway the contact ( XXXX XXXX ), Said If I decide to accept this offer than to sign it and mail it in. I asked what if I do n't accept it? She said then I have to consult my supervisor. She then told me to contact her upon my receipt of the offer. I read the offer and it had my spouse on it, and according to the lender I can not even have this offer without his signature. 
The kicker here is that on XX/XX/XXXX He filled my home with propane and tried to blow us up cause I asked for a divorce. I sent him to prison, and obtained a life long no contact order. I feel since the legal assistance was useless and they are refusing to at least explain what my options are, I feel screwed over. Honestly It is my opinion, the property values are going up the loan amount is $ XXXX But the value is reported to be $ XXXX. There is new industry coming to the area, and I may lose my home just so they can resell for more. 
I 'm sorry if that was over the top. I do want to make clear I am an XXXX, Served with pride ( XXXX XXXX, and XXXX ). I am currently a XXXX for my XXXX adult son, as well as XXXX other XXXX people who are vulnerable. Myself and XXXX renter are Veterans. I work at XXXX XXXX of these people- without state assistance. I need help, I am XXXX and trying to hold onto my home.

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 2017-04-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion has refused to delete incorrect hard inquiries to my credit report after a glitch within their system. I have called and filed disputes. Inquiries : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX 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 2017-04-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I paid off my CitiMortgage per their records on XX/XX/XXXX. They apparently waited to XX/XX/XXXX to forward to local county to have satisfied. I 'm told Citi used a 3rd party to do this. No one could tell me why it took a month to forward. I next called the County and they told me the docs were returned to the 3rd party on request of Citi. It is now XX/XX/XXXX - my 3rd phone call and I have NO documentation that it was satisfied. I paid all those fees. This is a big deal after so many years and I want my original mortgage and note - marked cancelled - which is a common practice. I worked in Mortgage Servicing for a LARGE bank for 10 years, I know this is something that can be done. They want to send me an email!! I want my original documents that we signed - we want to retire and I want to surprise my husband that it is paid off and have a party. This is not too much to ask after paying 30 years for a mortgage. Now it needs to be sent to another location and they wo n't even listen to me. Why do we pay all these fees for satisfaction and recording and we get nothing.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian will not accept my proof of identity, and mail the report to the correct address.

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 2017-04-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
You have previous complaints from XXXX XX/XX/XXXX The response from SPS was they have everything for review, yet as of today they have done nothing.As I have said previously I SUBMITTED EVERY PAYSTUB/TAXES FROM XX/XX/XXXX to the many times. 
Im requesting that you ESCULATE THIS TOO THE US ATTY GENERAL OFFICE and get a stay from any further procedings IF SPS refuses too file motion to dismiss voluntarily. 
This is insane and CAN NOT BE ALLOWED.Im aware that they r under FEDERAL INVESTIGATION. 
Please ESCUALTE AND STOP THIS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a credit card with Bank of America that was set up for auto payment through BoA. They did n't deduct payments from my account for three months and did n't contact me by phone, email or postal about any problems. When I went to check on my account I saw it was overdue and I paid it ( I had n't used to the card, I was being charged late fees ). After I paid, they closed my account and all of my information about my account was gone. When I spoke with them on the phone, they did n't have an explanation about why my payments were n't made or why I had n't been contacted. I asked them to at least take off the delinquent payments from my credit report since they were responsible for the mixup. I have since gotten a letter stating that they wo n't do that, though they did send me printed info about my account ( though not why my auto payments were n't made ). My credit score has fallen about XXXX points because of this, and I ca n't get an acceptable explanation either by phone or mail.

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I put in a dispute over the phone through Transunion and XXXX in reference to XXXX hard inquiries that were not factual on my credit report I was told that they have been investigated and are accurate due to them undergoing investigation. However, the fact that I received a response 4 days after I disputed the inquires, one can assume that there was no investigation into the matter.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The addresses have been reported to Experian numerous of times stating that this is incorrect. They continue to publish these addresses regardless of my complaints : XXXX NC XXXX 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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate, verify and remove an account from my credit report that does not belong to me.

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 2017-04-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
We are selling my deceased mother 's home and are trying to pay off the balance. We have asked for final amounts. Some of the fees that are being included were hidden in balance amount without being disclosed ( {$750.00} appraisal fee ) and others are very vague/unnecessary ( Title report fees of {$320.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AFNI INC.
State: FL

Complaint narrative:
There is a collection listed which is unknown, I have disputed with nothing received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have my mortgage through Bank of America. I requested the PMI to be removed. Bank of America is requesting an appraisal of my home to determine if my loan has a loan to value ratio of 70 %. The PMI should have been removed automatically at 78 % of the loan using the original appraisal according to law. My loan was a refinance and only borrowed 80 % of the value of my house to begin with, 10 years ago.

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 2017-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Collection Systems, Inc.
State: MO

Complaint narrative:
I do not have any type of contract with this 3rd party collector. Please remove this collector from all XXXX of key credit reports as reporting is not allowed since there is no contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management Systems collection agency reported to the  XXXX  credit bureaus that I have a debt to  XXXX   XXXX   XXXX   XXXX  opened  XXXX    XXXX  . I have never been to this medical center. There would be no reason for me to go to this medical center.I have never heard of it and I do not know where it is even located. I have and had insurance with  XXXX   XXXX  and I would only go to  XXXX   XXXX  for my medical needs.   I never received any billing from this medical center but I have a collection from this collection agency. I do not know how or why this has happened but, I have disputed this before and it was to be deleted from the credit bureaus all three.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
The debt that was written off was mine, I had to choose on of the above to continue. I had an account with  Monterey Financial  that was charged off/written off as of  XXXX . After it was written off I now have  Monterey collections trying to collect after the account has been written off. Monterey  Collections contacted me last week to collect payment I was trying to ask questions but the rep became belligerent I asked if it was possible to collect on an account that had been written off. She went off to tell me that I did n't know what I was talking about, and threatren to pursue further legal actions if I did n't make this payment. I asked about a settlement she told me that she did not have to offer me a settlement the decision was totally up to her. The amount they are trying to collect is {$1300.00} she told me the best She could do as far as a settlement was {$1100.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peter Roberts & Associates, Inc.
State: MA

Complaint narrative:
Hospital did  not correctly bill  XXXX  or supplemental insurer.   I am subscriber in good standing to both.   I had previously complained to billing hospital.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Monterey Financial Services LLC
State: VA

Complaint narrative:
I added an account I had with  XXXX   XXXX   XXXX  in my chapter  XXXX  bankruptcy but they still sent account to a collections agency named  Monterey Financial based in California. Monterey Financial  contacted me several times to collect the debt even after they received paperwork stating that account was included in bankruptcy. My attorney sent them paperwork and they still sent the account to collections which is affecting my credit report since they were not supposed to have the account in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
XXXX  representative knowingly lied during a verbal agreement on a recorded phone call. In an attempt to settle this debt I calle d Diversified Consultants t o setup payment arrangements.   The  DCI re p was  XXXX   XXXX . I told  XXXX   XXXX  that I am currently not working, but that I could set up a automatic payment plan of {$20.00} a month to resolve it. Before I gave  XXXX   XXXX  my credit card information I specifically asked him if the account was being sent to the credit reporting agencies.  XXXX   XXXX  stated that as long as I did not default on my payment arrangement, it would not be reported.  2 payments ( 2 months ) into my payment plan I was alerted by my credit monitoring service that DCI  had reported the  XXXX   XXXX   XXXX  account as a unpaid debt. I contacted  XXXX   XXXX  at  DCI t oday to try and resolve the issue, and he stated that he remembered our conversation from 2 months ago in great detail and that he did not say that my account was not going to be reported.  DCI  is refusing to remove the account from the credit reporting agencies, even though the account is paid off.  DCI als o refuses to release/play/share the recorded phone conversation that includes the verbal agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: ID Analytics, Inc.
State: NH

Complaint narrative:
I have requested a security freeze on my account with the letter and necessary documentation on  XXXX / XXXX /  XXXX  . However I received notification stating that they were not able to read the document. I have once again sent a more clear picture of m y 2 f orms of ID on  XXXX / XXXX /  XXXX   however they once again denied my request stating that they could n't read my fax. I have attached copy of the fax that i have sent over as well as the confirmation page for the fax stating that I have sent the information and they have received them.     After this 2nd rejection to freeze my report I have called them multiple times to talk to someone at their office  0n   XXXX / XXXX /  XXXX   throughout their opening hours  XXXX  PDT ( 8 times to be exact ) and all phone calls went straight through their voicemail. On my   8th try, I left a voicemail and they have responded to my voicemail to discuss status. They informed me that information I have provided can not be read and that they will not be able to freeze my report unless I send in more information. As you can see on the attachment, you can clearly see the letter as well as the 2 forms of IDs that they have requested.
I still can not understand what is causing this hold-up of freezing my report as I have provided the requested information multiple times. I would like to ensure that this report is frozen as per my request effective   immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I am making a dispute ag ainst Optimum Outcome , Inc in a r esponse to a listingS on all my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT,  15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request fo r VALIDATION ma de pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my cr edit reports (  XXXX ,  XXXX , and  XXXX  ). This action constitute fraud under both Federal and State Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
This collection company is calling my work to try and collect a debt. This is not acceptable as this is a business and not a private number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL
State: MT

Complaint narrative:
This is in reference to complaint  XXXX . This dispute with  Synchrony Bank/JCP go es back to   XXXX   XXXX   XXXX  . The details are in the previous complaint submitted with CFPB. In   XXXX   XXXX  , I received a status update and the resolution stated that a balance was owing of {$17.00} to  JCP. P lease refer to the previous answer from  XXXX . I responded back through the dispute process that I did not owe {$17.00}. I never received a response back from my previous dispute of the {$17.00} balance owing. Now,   XXXX   XXXX   XXXX  , in checking my credit report,  JCP/Syncrony Ban k is reporting me 90 days past due with a delinquency starting in  XXXX . Again, please refer to the complaint number I have referenced. I contacte d JCP today and was told that I had a {$40.00} past due balance as the late fee that I owed (? ) was never paid there fore interest was accruing on my unpaid late fee. I have never had an unpaid balance, therefore could not have a late fee owing. I believ e JCP h as somehow messed up their data with the original problem of a CREDIT BALANCE showing as a past due balance. They corrected the credit balance by sending me a check but somehow their date still must show that I did n't PAY that amount and therefore a late fee was generated. It is such a mess and my score has gone from  XXXX  to  XXXX  today. I do have the supporting credit report information if that would be helpful. The other issue is that the gentleman I spoke with a t JCP sta ted that the late fee is on an O LD JCP acc ount - how does a late fee just show up on an old account?? Please help me - I frustrated beyond words.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stuart-Lippman and Associates, Inc
State: NC

Complaint narrative:
I have an account listed on my cre dit report by the name Stuart Lippman and Associates  collecting for  XXXX   XXXX    XXXX   XXXX   XXXX  n.     I have no knowledge of ever dealing with the original creditor as listed on this account or with this debt collector. This account is reporting as opened in  XXXX    XXXX  . I have not ever received any response from  Stuart Lippman &amp; Associates that validate any information, after mult iple attempts.     I am allowed, under the Fair Credit Reporting Act, the right to debt validation. This company has failed to provide any evidence of my signature with the original lender as well as any information regarding as to whether or not they bought a false account.     If this account was valid, in the state of NC, the statute of limitations is 3 years. I have not at any point in time, verified that this debt is accurate and therefore should be removed immediately from my   XXXX   report.     If this information is not removed, I will be forced to take legal action against this collection agency, which will allow me to seek damages.

Company response to consumer: Closed with explanation