vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
I submitted a previous complaint on XX/XX/18 stating all the previous information : Complaint # XXXX about SPECIALIZED LOAN SERVICING LLC. 

I have asked since XXXX for a postponement to get the review and assistance from the Mortgage company and to work with XXXX XXXX XXXX XXXX. They have been not giving answers and keep saying they can not postpone the foreclosure. This is a false statement according to New Jersey Statute NJSA 2A:17-36. Adjournments of sale of real estate.

NJSA 2A:17-36. Adjournments of sale of real estate provides that a sheriff or other officer selling real estate by virtue of an execution may make two adjournments of the sale, and no more, to any time, not exceeding 14 calendar days for each adjournment. However, a court of competent jurisdiction may, for cause, order further adjournments.

In New Jersey, a Sheriffs sale of a foreclosure property can be adjourned ( fancy for postponed ) twice by the Sheriff at the request of the homeowner for any reason. Each of these adjournment shall be for not more than 14 days. The lender may request an adjournment as many times as it wants without reason. Once the two free adjournments have been exhausted, the homeowner may apply to the Court by Motion for further adjournments provided good cause has been shown to the Court.

For assistance in obtaining an adjournment of a sheriffs sale of a foreclosure home, contact your local Sheriff department or a qualified NJ foreclosure lawyer in New Jersey.

I wanted them to postpone to review my file to see that I can make the mortgage payments and we can come to a solution for the back payments owed. 

I need for them to postpone as I never received documentation on a foreclosure fromt he Sheriffs office and I had the Urban League not do anything in XXXX and this is why I am beyond the 37 days.

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 2018-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capital Management Services, LP
State: LA

Complaint narrative:
I TOOK OUT A LOAN WITH XXXX AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO CAPITAL MANAGEMENT SERVICES. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND CAPITAL MANAGEMENT SERVICES IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY 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 2018-10-16 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
FORD MOTOR CREDIT, ACCT.NO.XXXX .... is wrongfully appearing on my XXXX credit report.Ford financed and sold me a lemon, an unsafe vehicle that did not meet the implied warranty laws of the state of California and never will.Never since new has the car been safe or functioned normally.From the start, the fuel pump and air bag module malfunctioned.The front driver seat does not adjust, The doors unlatch by themselves while driving.The transmission had to be replaced at XXXX miles.The transmission clutch still doesn't function after replacement, The motor mount broke, The hood latch doesn't close.The trunk latch releases anytime.When my wife was stopped at a red light and rear ended at high speed, two air bags did not deploy.The list continues but what matters here is that two different branches of the same company are involved.

The manufacturer and the lender.Ford motor credit doesn't know what the manufacturer keeps secret.The car when sold was defective, severely illegally defective.It has XXXX value except as scrap metal.NO ONE CAN BUY IT, NO ONE CAN SELL IT.

YET, the financial branch Ford Motor credit wants to destroy my credit because at a certain point I no longer wanted to pay for a vehicle that was unfixable and unsafe. 
When it was sold and financed it was not what it was claimed to be.Everyone just wants to not obey the implied warranty laws of CALIFORNIA. 
THIS ITEM SHOULD BE DELETED FROM MY CREDIT FOR FRAUD OF THE MANUFACTURER AND FRAUD OF THE LENDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: OLD NATIONAL BANCORP
State: TN

Complaint narrative:
In XXXX of 2013 I had traveled to XXXX for my sisters wedding. I was gone for the entire month of XXXX. Prior to that period I had withdrawn most all my capital in my checking account for financial security for international travel. Upon my arrival back to my house, XX/XX/XXXX, I had received a letter stating that my account had been charged a monthly fee and due to lack of sufficient funds had been overdrafted to an excessive charge of {$240.00}, within one month, for lack of sufficient funds and then overdraft fee 's self imposed by the bank. Within one months time I had been sent to collections without any contact or right to dispute the charges. I went to the bank to dispute the charges but they provided no assistance at all and said it was too late and was out of there hands to do anything. I was charged overdraft fee 's in bad faith and sent to collections within a months time without any right to dispute. They bank 's incentives were aligned with maximizing profit by charging me an excessive amount of fee 's and sending them to collections to force payment without letting me dispute anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: AZ

Complaint narrative:
I filed investigation for collection account on my Equifax report for XXXX XXXX XXXX. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. Equifax failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have been lied to, misguided, and misled since Navient became my loan provider. First of all I was told my loans were direct loans and would qualify for Public Loan forgiveness which they are not. I was told that I was close to making 120 on-time payments. Then I was told I make to much money and that I would satisfy the balance before the 10 years.

Then when I was told they were wrong about that and they consolidated my loans in to what was then supposed to a direct loan and my payment were raised and supposedly based on my income. ALL which are lies. All which will cost me 1000 's of dollars. I have been paying these school loans for over 10 years. I could not be  more upset at a company for XXXX with my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: NC

Complaint narrative:
Based on a credit card agreement with Barclays XXXX XXXX credit card I should have received 2 companion tickets for XXXX XXXX for spending more than {$30000.00} between XX/XX/XXXX and XX/XX/XXXX. I emailed Barclays on XX/XX/XXXX inquiring as to when I would receive them. To my knowledge they didn't respond until I received a letter from Barclays dated XX/XX/XXXX stating they couldn't help me. On XX/XX/XXXX I called and reported the issue again and they provided me with an incident number XXXXXXXX stating there was an issue with the website and that it would be corrected. I received another letter dated XX/XX/XXXX stating yet again that they couldn't help me. On XX/XX/XXXX I called and was provided a case number XXXX and was told they were trying to resolve the issue. On XX/XX/XXXX I called and still nothing had changed. On XX/XX/XXXX they called me to say they were working on it. I then receive a 3rd letter dated XX/XX/XXXX they couldn't help me. On XX/XX/XXXX I called them and told them I was going to discontinue using the card ( even though I was well on my way to supposedly receiving 2 more companion tickets ) because I was paying them for a benefit that they were not honoring. I told them on XX/XX/XXXX I would file a complaint with CFPB. On XX/XX/XXXX and on XX/XX/XXXX they called to say they were working on it. Today is XX/XX/XXXX and I have heard nothing else from them. I'm certain if I didn't honor my end of the agreement to pay them for my charges on the card that I would be turned over to a collection agency and my credit destroyed. Thus, you're my only hope at making them honor the original agreement. Happy to answer any additional questions. Thanks.

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 2018-10-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy of information you have posted to my credit file. On a few separate occasions I have disputed with all three credit bureaus XXXX, XXXX, and XXXX pertaining to a credit card with XXXX, Account # XXXX for the date of last activity, payment history, status and the dispute was returned verified. After some further investigation on my part, I am also concerned that this account and the reporting to XXXX, XXXX and XXXX are inaccurate. In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( XX/XX/2009 ), this Notice includes : Identification of the specific information being disputed XXXX, XXXX and XXXX reporting for Account Number : XXXX Basis for the dispute : The monthly payment, open date, high credit, last reported date, date last active, date of last payment and payment history are different and inconsistent between the three credit bureaus. 

Supporting documentation : I have included the excerpts of my credit reports showing how this accounts is being reported.

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 2018-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We began this problem many months ago, but it became impossible in XXXX and XX/XX/2018. The company that has our mortgage is Chase Bank. We have never missed a mortgage payment in 16 years of a 20 year note to date. Chase stepped in to pay our Property taxes that they had never paid before, and they paid taxes that were not delinquent, then set up an Escrow account to collect from us. When we made payments against our mortgage and the escrow amount, they routinely misplaced our payments each month, sometimes replacing the payments in other non functioning accounts. They did not tell us of this misplacing, instead, they reported us to the credit agencies as being late in mortgage payments for 2 months, even though we had receipts showing that if the payments had been placed as the receipts show, we would have no late payments. They apologized, withdrew late payment fees, and claim they remediated our credit report. The very next week, we had new paperwork from them asserting new misclaims about missed payments. Each time I have spent hours on the phone trying to get to a helpful person at Chase, each time there was an apology, retraction, then resuming the problem. Now last week, we received 7 notices from them, each one negating the one before with new fabricated figures resulting from a single misplacement, then cascading to mortgage default. We believe that they are now XXXX bent to make us refinance our loan, as there is little interest money left in the loan at this late stage of the loan, and they have everything to gain by driving us off by pure computer harassment, which is what we have come to conclude from the massive psuedo-incompetence they portray. One of the recent notices even had another customers ' documents within our own. We have saved all this evidence. The original mistakes are easy to fix, if that is the goal, we don't believe that is their goal, rather a pernicious campaign to computer harass us into finding some kind of refinance.

We began this complaint a long time ago, but working with a perpetrator that has no intention of using " good faith '' is not a solution. That IS the problem, they are intentionally doing this because they fear no reprisal from agencies that we can make complaints with. Please renew our complaint from your office without insisting that we go back to ask them to stop harassing us. They will not stop unless facing punishment. 
Many thanks and Regards, XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2018, I reactivated my XXXX service at my new apartment in XXXX over the phone with a customer service rep. This rep did not in any way shape or form tell me there was going to be a hard credit inquiry on my Equifax report. XXXX XXXX, the third party app which I use to monitor my credit, alerted me while I was on hold that a hard inquiry had in fact been made. When I brought this to her attention, she had no idea what I was talking about, and I had to explain to her the difference between a soft inquiry and a hard inquiry. She had no idea that her system was going to do that and had no explanation as to why it happened. All I got from her was a " sorry bout that. '' I was a former XXXX customer of 2 years, and I am equally upset that they feel they can keep my social security number on file like that and just willy-nilly run a hard inquiry without my permission. 

Keep in mind, I had an XXXX credit score prior to this inquiry. My score has since dropped, and I am not happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ZARVAD III S.A.
State: LA

Complaint narrative:
I TOOK OUT A LOAN WITH MYPAYDAYLOAN.COM AND THEN I GOT IN A WORK RELATED INCIDENT AND WENT ON SHORT TERM XXXX. I TRIED PAYING THEM AND COULDN'T ANY LONGER. THEY IN TERN ADVISED ME BY EMAIL THAT THEY WERE TURNING THE ACCOUNT OVER TO AN OUTSIDE COLLECTION AGENCY CALL XXXX XXXX XXXX. THEIR NUMBER IS XXXX. THEY HAVE NEVER TRIED CALLING ME BUT THEN I STARTED GETTING CALLS TWO WEEKS AGO FROM A XXXX XXXX XXXX EXT XXXX FROM A SO CALLED XXXX XXXX XXXX. THEN ANOTHER PERSON SOUNDING VERY MUCH LIKE XXXX XXXX THIS TIME NAMED XXXX XXXX. THEIR FILE NUMBER WAS FOR XXXX. THIS TIME HE GAVE ME A DIFFERENT TELEPHONE NUMBER OF XXXX EXT XXXX AND THEN I GET ANOTHER PHONE CALL FROM ANOTHER DIFFERENT NUMBER XXXX. I DID SOME RESEARCH AND ALL THESE NUMBER RING BACK TO XXXX XXXX XXXX. XXXX XXXX XXXX IS SUPPOSSEDLY LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX AND XXXX XXXX XXXX IS LOCATED AT XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: DC

Complaint narrative:
Hi. I was suppose to receive my DD on XX/XX/XXXX & never receive it. I call multipolar times & they are giving me diffrent answer. Im a XXXX so I cant even purchase my medecine.

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 2018-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: PA

Complaint narrative:
My child support was issued on XX/XX/2018. I still have not received my direct deposit. I have called netspend ( XXXX ) and they state theres no issue then change their story to read what sounded like a pre written script saying they are having issues and theres no resolution time. I have XXXX funds. this caused me to bounce a check and theres no time frame when I'll get my child support not to mention my paycheck I'm supposed to get tomorrow.

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 2018-10-16 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: Arbor Professional Solutions, Inc.
State: AZ

Complaint narrative:
I filed investigation for collection account on my XXXX report for Arbor Professional Solutions. The collection agency failed to respond within 30 days of me requesting validation of the debt. I requested name and address of the original creditor, documentation obtained from the creditor proving that I have a legal obligation to pay, and all notices required by law. The collection agency failed to furnish this information. XXXX failed to remove this information from my credit report when I requested and provided proof the collection agency failed to follow the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16 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: AR

Complaint narrative:
ON MY CREDIT REPORT THERE WERE SEVERAL ERROR ACCOUNTS THAT DID NOT BELONG TO ME. I BEGAN MY PROCESS OF DISPUTE WITH ALL 3 CREDIT REPORTING AGENCIES. 
I SENT A SERIES OF 4 CERTIFIED LETTERS RETURN RECEIPT TO THEM LISTING THE ACCOUNTS AND REQUESTING THAT THEY BE VALIDATED OR REMOVED. IN FACT WHEN THE CRA'S DID IN FACT REMOVE A FEW OF THE ACCOUNTS IN QUESTION, MY SCORE ACTUALLY WENT DOWN 100 = POINTS! THIS IS UNACCAPTABLE, I AM FULLY AWARE THAT THESE CRA'S CAN MANIUPLATE CREDIT SCORES AT THEIR WILL, ( I HAVE SEVERAL YEARS IN CREDOT AND COLLECTIONS) AS OF THIS DATE XX/XX/2018, 
THERE ARE STILL 2 ACCOUNTS ON EQUIFAX AND NOW 3 ON XXXX. 
THE THIRD ONE IS A COLLECTION AGENCY FOR ONE OF THE ERRONEOUS ACCOUNTS XXXX XXXX XXXX. THE COLLECTION AGAENCY IS XXXX XXXX. I SENT THEM A CERTIFIED LETTER AS WELL INFORMING THEM THAT THIS IS NOT MY ACCOUNT, I HAD REQUESTED 4 TIMES PREVIOUSLY THAT XXXX XXXX  REMOVE THIS ACCOUNT SINCE THEY REFUSE TO SHOW ME MY SIGNATURE ON A CONTRACT, AND THAT THEY MUST IMMEDIATLY REMOVE THIS FROM MY REPORT.  THEY STILL HAVE NOT DONE SO. 
THE ITEMS THAT REMAIN ARE : 
XXXX                                                 EQUIFAX                        
1. XXXX XXXX XXXX                                     1.XXXX XXXX XXXX
 2. XXXX XXXX XXXX,                            2. XXXX   XXXX
3. XXXX XXXX.  

AFTER EVERY ONE OF THESE CERTIFIED LETTERS, THE RESPONSE I RECEIVED FROM BOTH CREDIT REPORTING AGENCIES WAS " ACCOUNT VERIFIED BY CREDIT GRANTOR"  THIS VAGUE RESPONSE IS A DIRECT VIOLATION OF SECTION 611 (5) (A) OF FCRA. 
I AM REQUESTING THAT YOU INTERVENE ON MY BEHALF AND ENFORCE MY RIGHTS TO HAVE THESE UNVALIDATED ACCOUNTS REMOVED IMMEDIATLY. 
ADDITTIONALLY, XXXX XXXX IS IN VIOLATION OF FCRA AS THEY HAVE DELIBERATLY NOT COMPLIED AFTER THEY RECEIVED THE CERTIFIED LETTER ADVISING THAT THIS IS NOT MY ACCOUNT AND THEY MUST DELETE IT IF THEY CANNOT VALIDATE IT. ( IT IS CREDIT ONE ) DULICATE ACCOUNT , ANOTHER VIOLATION. 

IF I DO NOT OBTAIN RELIEF FROM THIS LAST EFFORT TO HAVE MY CREDIT RESTORED BY REMOVING THESE ACCOUNTS AND MY SCORE BEING INCREASED BY THE CRA'S (AGAIN THEY LOWERED MY SCORE AFTER REMOVING SOME OF THE ACCOUNTS) MY NEXT COURSE OF ACTION WILL BE LEGAL. CITING CASES XXXX vs. XXXX    and XXXX, et al v. XXXX XXXX.

I APPRECIATE YOUR ASSISTANCE IN THIS MATTER AND AWAIT YOUR REPLY.  

XXXX.

Company response to consumer: Closed with explanation