vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am writing this because I need a lot of help. I modified my home loan with SPS loan number XXXX property address is XXXX XXXX XXXX, XXXX XXXX XXXX. I did my first modification in XX/XX/XXXXXXXX  XXXX XXXX gave me a 5 year modification and my payment was going to stay at the low payment of 1800 approximately and XXXX for the life of the loan after the 5 years. However In XX/XX/XXXXXXXX XXXX from XXXX XXXX  called me and persuaded me to do a new Modification in XX/XX/XXXXthat took me out of the 30yr plan i had before. The payment did drop the payment a little but the bigger problem was that it gave me a variable loan again starting this year with no 30 year option. After I did my second loan modification I was told my loan was sold to SPS Servicing and its been a mess dealing with them. 

I was advised by my new loan officer that starting XX/XX/XXXXmy payments jumped up to {$4200.00} instead of the {$1600.00} that I was used too. I cant make that payment!! I am already late for the month of XX/XX/XXXXbecause I didn't want to believe that my payment went up that high and now at the end of XX/XX/XXXXill be 2 months late. I'm XXXX years old when XXXX called me in XX/XX/XXXXI was XXXX I am too old to be convinced of something that is not good for me. I wish I would of never answered that phone call from XXXX telling me that they had a better modification for me. 

So the new Loan officer I have says that I qualify for A Veterans loan I am a Veteran of the XXXX. However now that I have this new 30 day late on my mortgage I don't think I qualify to do a home loan anymore. I am going to loose my home, I honestly don't know what to do if that mortgage late hits my credit. The rate jumped up from 4.5 % to 7.5 % that is way to high, I can not believe that a bank would do this it seems like they want me to loose my home. The VA loan would give a 3.875 30 year fixed with no Mortgage Insurance the payment is perfect to what I can afford. I am XXXX years old please help me I am begging 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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am a co-buyer for an account with XXXX XXXX ... XXXX continuously reports to the credit bureaus late pays that are incorrect ... I have had this problem for a year and a half and after several disputes that had them remove these improper reportings Im still fighting this..this seems to be an intentional issue and they seem to re-report the bad info a month or two later after they have been made to correct it ... I would like for them to no longer report to the credit bureaus based on the fact that I feel that Im being purposely targeted and harassed ...

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 2019-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am a co-buyer for an account with XXXX XXXX ... XXXX continuously reports to the credit bureaus late pays that are incorrect ... I have had this problem for a year and a half and after several disputes that had them remove these improper reportings Im still fighting this..this seems to be an intentional issue and they seem to re-report the bad info a month or two later after they have been made to correct it ... I would like for them to no longer report to the credit bureaus based on the fact that I feel that Im being purposely targeted and harassed ...

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 2019-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc.
State: LA

Complaint narrative:
On XX/XX/2019 and previous date I have sent Diversified Consultants a letter asking for validation of the debth they say I owe. Refuse to sent validation. They keep sending the same letter trying to collect a depth I have no knowelge of. They are reporting false information on m y credit report which is causing me hardship in obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I am receiving calls from various numbers belonging to Navient. They call me between 5 and 10 times a day. When i pick up, no one is there.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I cancelled my account with XXXX XXXX XXXX and I pod everything I was told by the XXXX XXXX XXXX reps. ( I have this in writing ) The {$460.00} should have been removed. XXXX XXXX XXXX never send a final bill, I dealt with this issue with XXXX XXXX XXXX for months, this needs to be removed, I paid the part I was told I that I owed by the rep. I have never paid late or missed a payment with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 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: GA

Complaint narrative:
I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XXXX of 2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of XXXX. For some odd reason, XXXX is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.

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 2019-06-27 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: Lending Club Corp
State: GA

Complaint narrative:
I have disputed inaccurate information off of my credit report numerous of times within the past five years, and the information either keeps coming back on my credit reports or does not come off. I have been a victim of identity-theft back in XX/XX/2012, which fraudulent account keeps appearing and reappearing on my credit report. I have filed a police report. I have sent a copy of the police report and a copy of the identity theft affidavit to all three credit bureaus but have issues with the fraudulent information coming off of XXXX. For some odd reason, XXXX is violating the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I have filed a complaint with the Federal Trade Commission, filed a complaint with the XXXX XXXX XXXX and nothing have been resolved with the credit bureau. I have submitted a numerous of disputes and nothing have came off of my credit reports. Now, this is my ninth time disputing this fraudulent information, if nothing gets done this time, I will report this credit bureau to the attorney general. Please help me in getting the inaccurate information off of my credit reports. IF this issues does not get resolved. 
Thanks a lot.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have three ( 3 ) private loans with Navient. I payed off early one of the loans on XX/XX/2019. On XX/XX/2019 my automatic payment went through as usual. On XX/XX/2019 I received an email from Navient stating that I was put on forbearance due to a recent natural disaster. I am currently living in XXXX XXXX  XXXX and the previous addresses that they have in file are from XXXX, NY and XXXX, DC. None of those areas have had a natural disaster. I did not make a request to be put on forbearance nor do I need forbearance since I have always payed the loans on time through automatic payment nor do I currently have a financial hardship, in the contrary, I am considering paying off all of the remaining loans early. If Navient is involuntarily putting people on forbearance it causes their clients to pay more money on interest. Which is unfair and something that you can easily miss since I was notified only through email 15 minutes before their customer service stops taking calls for the day. It would be easy for someone to either completely miss that they were put on forbearance or forget to call them since they sent the notice at XXXXXXXX XXXX and stop taking calls at XXXX. I want to make sure that people are not affected by this since it does not appear to be a fair practice from Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I was contacted about a debt from XXXX XXXX. I request they send a validation of said debt in writing to the address on file which appeared to be mine. I also requested verbally that they cease phone collection attempts. I was told if I do that they will mark it as temporary hold and that I rub the risk of being sued. They said I wont be called for 4 weeks unless I send a letter. I sent the letter immediately. They have continued to attempt to collect a debt they have failed to validate, and have threatened me that I will be sued if I dont cooperate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was contacted about a debt from banana republic. I request they send a validation of said debt in writing to the address on file which appeared to be mine. I also requested verbally that they cease phone collection attempts. I was told if I do that they will mark it as temporary hold and that I rub the risk of being sued. They said I wont be called for 4 weeks  unless I send a letter. I sent the letter immediately. They have continued to attempt to collect a debt they have failed to validate, and have threatened me that I will be sued if I dont cooperate.

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 2019-06-27 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: PNC Bank N.A.
State: MD

Complaint narrative:
Disputed PNC account that is showing on my credit report as a XXXX off with the original creditor ( PNC ) as well as all 3 bureaus ( XXXX, XXXX and XXXX ) both through mail and online- several times. All disputes came back verified which is inaccurate. 

The account that is reflecting as a charge off is a result of a {$300.00} fully secured credit card that I obtained through PNC. The charged off delinquency is for {$240.00}. From my understanding and knowledge of a secured financial product and the excerpt taken from the Terms and Agreements for Secured Credit Cards from PNC website it states " if I ask you to reduce the credit limit on my Account, or if you or I close my Account, you may use my Security Deposit to reduce my existing obligations to the new lower credit limit, or to zero in the event of closure. If you apply my Security Deposit against my obligations, you may allocate my Security Deposit among my obligations as you in your sole discretion deem advisable '' - this fully secured account should have never been charged off, instead the {$300.00} used to secure the {$300.00} credit limit should have been applied to the balance and the account as a result should have been closed out - not charged off. 

I have been going back and forth forth with both the CRA 's and original creditor PNC, sending letters explaining why I don't owe this and requesting validation of the debt, like a copy of the bill or contract for the debt they're reporting. I received nothing. However, this inaccuracy has not been addressed and continue to report as a delinquency on my credit report. This is unfair and a violation of not only their data furnisher responsibility but the Fair Debt Collection Practices Act. 

I sincerely hope the CFPB can help me get to the bottom of this as my next recourse is litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I responded to an ad post on XXXX that was selling 2 tickets to a " Dead and Company '' concert at the XXXX XXXX in Washington State on XXXX XX/XX/2019. This incident occurred on XX/XX/2019. 

The ad ( since removed ) listed 2 tickets for {$120.00} each and provided a phone number ( XXXX ). The ad listed XXXX, XXXX and a few other options for payment, and stated that the tickets would be transferred over XXXX after payment. 

I sent a text message to the above number making an offer of {$140.00} for the pair of tickets, adding that I could make the payment over XXXX. Almost immediately, I received a response accepting the offer, but saying their XXXX was not working and asking to transact over XXXX. 

I had used XXXX once or twice in the past, so I didn't think much of it and agreed. The seller sent me the following information for the XXXX money transfer. 
Name : XXXX XXXX. Email : XXXX I transferred {$140.00} through XXXX from my Wells Fargo online account. A few minutes later, the seller said he received the notification from XXXX but " cancelled it by accident '', and that my money would be returned in 24 hours. He asked me to resend the payment. 

I sent him a screenshot from my side showing the confirmation number from XXXX. He insisted twice that I should try resending him the money. At this point I knew I was in a scam. After I asked him for a screenshot of the " cancellation '', he went silent and thereafter never responded. 

The following day ( XX/XX/XXXX ) I could see in in Wells Fargo account that the money had been taken out. I desperately sent another text to the above phone number, and even tried calling it to no avail. Seeing that the post was still up, I reported it to XXXX. Unfortunately, in my distressed state I did not remember to take a screenshot. 

On the same afternoon I called Wells Fargo and reported the scam. They took down the information and filed a claim. After about 2 weeks, I received a letter from them stating there was no error on their part, and they were closing the claim. I called them one last time to explain the issue on XX/XX/2019. The agent told me that transacting on XXXX is like transacting with cash and should only be done with known parties. 

While I now understand that Wells Fargo or XXXX do not guarantee against scams such as this one, I  think they can not shrug off all responsibility, since the scam occurred on their system. The scammer is presumably still using their facilities to defraud well meaning, unsuspecting users. At the very least they should make efforts to track down the scammer. I will not use XXXX again unless offered a one-time refund for this incident.

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 2019-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I have two credit accounts with Comenity Bank. One is for XXXX XXXX, the other for XXXX. This bank handles the payments for these two among other stores. I scheduled payments, XXXX and XXXX insured there was sufficient funds to pay each account. Upon reviewing the checking account that is utlized to make payments, I saw Comenity Bank took the scheduled payments, and then levied an additional unauthorized payments from my checking account for both creditors. I have had to make stop payments in order for Comenity Bank to not get additional unauthorized payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I am being billed for something medical taking place in XX/XX/XXXX!!! This is my first time being billed and they used my maiden name and old address, two things that have been legally switched. The bill says nothing about what the service was for and this is the first attempt from the original company to collect. When I call the number listed doesn't even mention the company name. EOS-CCA number is XXXX with an invoice date of XX/XX/XXXX. This does not seem legitimate at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTRON, INC.
State: GA

Complaint narrative:
On XX/XX/18, I was contacted by someone who later claimed to be " Mrs. XXXX '' at Collectron. She said that I owed $ 500+ for medical bills with XXXX XXXX XXXX They are a very large local company and cover a range of services. The date was from my XXXX on XX/XX/18. Previously, scammers have contacted me by phone and then emailed falsified insurance documents, from this same XXXX. The amounts, times and companies are not related, and I do not believe these cases to be related aside from perhaps a breach of my medical records at this time. 

I asked Mrs XXXX for mailed proof of the debt. She refused and then became hostile. I did quick research while on the phone and found that she was breaking the law with her refusal. I brought this up. She became more hostile. I told her to have a good day and goodbye. 

While this is most likely a non-existent debt, there's a rare chance that this is an employee who just doesn't know what she's doing. If that's the case. I do not want my credit to be harmed. I'm actively looking to purchase a new home in the next two months. 

In trying to take this up with the company, I found the CEO 's name and email online and emailed him the following : Good Afternoon XXXX, A person calling herself Mrs. XXXX just called me to collect a debt and said that she is from your company, Collectron. I  recognize the name of the company that she says I owe, but do not recall receiving bills from them. Rather than give payment to someone over the phone who could easily be a scammer, I asked her to send proof of the debt owed, which is my legal right. She refused and was extremely rude. This is a formal request for mailed proof of any debt that may be on file in my name at your company. If there is no debt, this is a formal request to receive written notification of a lack of debt. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is the third time I have file a complaint. I am filing a complaint about some addresses that are not accurate on my credit report. My SS is XXXX my DOB is XXXX. I am trying to make a Home purchase and my credit report is full of errors. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH 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 non-monetary relief
Consumer complaint received 2019-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I am very upset at how Carrington is forcing me to pay their attorney fee and court cost. Their attorney doesn't represent me so why should I have to pay their fee along with the court cost that they pay. Why do I have to pay them back! My first bankruptcy I didn't have to. But my second bankruptcy Carrington is trying to get all the money they can out of me! It was XXXX XXXX XXXX at first now Carrington is demanding that I pay their attorney fees! Carrington has the money to pay their own attorney! But instead, I have to add their attorney fees in my bankruptcy plan!

Company response to consumer: Closed with explanation