vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
Dear CFPB : Please be advised that I represent XXXX XXXX in a modification. She was issued a trial plan which she paid through XX/XX/XXXX when the lender SPS stop taking her payments. At the conclusion of the trial payment in XX/XX/XXXX, my office proceeded to call weekly from XX/XX/XXXX to XX/XX/XXXX2017 being told on 8 different phone calls that the final modification was being generated and would be mailed to XXXX XXXX. In XX/XX/XXXX we were told that there was a problem issuing final modification because someone had registered a contract on the property. XXXX XXXX had no idea who the person was. Upon further investigation, it was discovered that a investor who had previously tried to purchase the property, illegally registered a contract and failed to remove the contract of sale when the short sale was not approve by SPS. SPS was aware of the homeowners attempt to previously short sale the property. My office contacted SPS and informed them we were going to get the contract removed from the title and they informed us final modification would be issued once contract was removed. We have forwarded SPS the documentation showing contract was cancelled and now instead of issuing a final modification, they are attempting to have our client start the entire modification process again.

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 2017-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I purchased a vehicle that was listed for {$6100.00}. I was told I would end up paying around {$12000.00}. I assumed this was the entire cost with financing. But it was n't I was going to have to pay over {$16000.00}. I was rushed through the paperwork via computor signing of the contract. The vehicle had issues and was n't worth what I was charged. It is/was a lemon. It kept breaking down on my. This last time it broke down out of state. Assuming the fuel pump went out. But it would not start. This just 7 months after purchase. I 'm on XXXX and ca n't afford a high payment for a piece of junk. I could n't afford to keep getting it fixed. I contacted Credit Acceptance who finaced the vehicle and told them to go get it. They call with robo calls day and night even calling on Sundays, which I know is illegal. But I think they take advantage of people by ripping them off charging outrageous prices for vehicles they know are n't worth the prices they are upping them to and suckering you into signing the contracts. More so when you cant get but a few months use before it breaks down.

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 2017-11-13 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: Credit Karma, LLC
State: NY

Complaint narrative:
XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per credtit karma. My XXXX score has dropped from XXXX to XXXX for no reason. credit karma is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
Payment made XXXX 2015 was not credited to my account. Upon providing documentation of the payment clearing my bank account, Navient disclosed that they issued a check refund to another individual with the same name but a different mailing address ( the address has never been my address ; no relationship to the person they issued payment to ). Navient refused to either correctly credit my account or issue me a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
In XX/XX/XXXX I opened checking account XXXX XXXX XXXX to receive the promised {$300.00} reward in offer code XXXX. Automatic deposits of my Social Security checks took place until XX/XX/XXXX. A letter dated XX/XX/XXXX, " We deposited an incentive reward of {$300.00} to your account ending in XXXX on XX/XX/XXXX. '' The deposit of only {$210.00} was made on XX/XX/XXXX. A minimum settlement would be a deposit of {$84.00} without any late or other fees for a zero balance after 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 2017-11-13 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: CA

Complaint narrative:
Over 60 days ago I disputed an account with Transunion that was not originated/established by me. I am a victim of Identity theft and TransUnion has a certified copy of my police report on file that was also taken under oath. 

That said, Transunion sent me a new report .... not a full report stating the account with XXXX XXXX XXXX Account Number XXXX had been deleted. I trusted them and assumed the account was removed. However, I recently pulled my credit and discovered the account is still on my credit.

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 2017-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX, 2017 my credit score dropped with transunion for no reason without explanation per XXXX XXXX. My XXXX score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, 2017 my credit score dropped with XXXX for no reason without explanation per XXXX XXXX. My equifax score has dropped from XXXX to XXXX for no reason. XXXX XXXX is either reporting inaccurate information or the 2 credtit bureaus are making mistakes that suits them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: ID Analytics, Inc.
State: OR

Complaint narrative:
On XXXX XXXX, 2017 I leased a vehicle from XXXX XXXX XXXX in XXXX Oregon. Received a letter from the lease company dated XX/XX/XXXX stating that they were unable to issue credit due in whole or part to my credit report. 

One of the credit reporting companies listed is SageStream LLC which I have never heard of, and has my score listed over 200 points lower than the other three established credit firms. 

Since I have never heard of this company, I have not attempted to contact them since personal information is needed to access my file, and I am unwilling to share such information with someone unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We live in XXXX TX and were one of many families whose house flooded due to Hurricane XXXX. We have flood insurance and met with our adjuster XX/XX/XXXX. During the time were were waiting to see our adjuster we ripped up our floors, drywall and cabinets and started the drying process at the request of the adjuster. We have located a contractor and submitted all documents necessary to the mortgage company Penny Mac. We were issued a XXXX immediate release of contents money and XXXX of Dwelling. It was an enormous struggle to get the " Immediate Release '' of funds returned to us. Our Adjuster wrote a letter to the Penny Mac Loss Drafts department ordering them to release the money so we could continue to move on plus reimburse ourselves for the expenses already incurred. On XX/XX/XXXX the XXXX dollar check finally arrived. We contacted the adjuster and explained how long Penny Mac held our check. and asked if she would release another XXXX so we could proceed. She agreed and XXXX cut another check. On XX/XX/XXXX we 2 day Priority Mailed the check to Penny Mac. They have been holding the check ever since. I have called so many times I have lost count. I am given a different excuse as to why I can not collect the funds every time I call. Please check the websites XXXX XXXX XXXX and XXXX XXXX. We are unable to live in our home and are currently using our auto insurance proceeds to help pay contractors.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
Dear CFPB, I contacted Comenity Bank in regards to an account I opened. Currently on my XXXX credit report is showing my XXXX XXXX brand credit card account through Comenity Bank as active. I contacted the Comenity 2 months ago via telephone in regards to removing the account from my credit report in which I was told to write to their disputes department. I sent a letter via US mail 2 months ago and they have not responded to my request. I contacted Comenity bank again on XXXX XXXX, 2017 in regards to this and they told me again I could only send a letter via mail to dispute and provide the same mailing address. I explained to them I already did this step and they did not provide any further resolution. Comenity Bank is not removing this account which is incorrectly reported from my credit report is negatively impacting me. I am requesting the CFPB please assist me in resolving this as I no longer have any options and Comenity Bank is hurting my credit report. It appears Comenity Bank does not want to help consumers and is refusing to respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I sent a bankruptcy/tax lien removal letter to both XXXX and TransUnion Credit Bureau. I called on XX/XX/XXXX to get results. Upon receiving my results I was made aware that they verified my information. I did not ask for a verification, but a validation. The Bankruptcy/Tax court does not verify information with the credit bureaus. In my request for VALIDATION ; NOT VERIFICATION ; I stated '' The XXXX /TRANSUNION Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). " XXXX, the system in which they use to VERIFY ; NOT VALIDATE AS I REQUESTED ; this not in compliance with FCRA laws. Both credit bureaus verified that they did not receive nor request the required documentation that is required and requested by the consumer. This is a violation. I am requesting the bankruptcy and tax lien be removed from my public recorded immediately within 30 days as stated ; " Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Failure to respond in a satisfactory manner within 30 days of receipt of this certified letter will result in a small claims action against the XXXX Credit Reporting Bureau. I will be seeking no less than {$5000.00} in damages for, but not limited to : 1 ) Defamation ; 2 ) Negligent Enhancement of Identity Fraud ; 3 ) Violation of the Fair Credit Reporting Act and Consumer Financial Protection Bureau. "

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 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, XXXX, EQUIFAX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX AND XXXX XXXX XXXX HAVE 2 XXXX XXXX CREDIT CARDS. WWHEN APPLYING FOR THE CARDS THE CREDITOR PULLED ALL 4 BUREAU 'S ( XXXX, EXPERIAN, XXXX & XXXX ). SEE ATTACHED.
ON OR ABOUT XX/2015 THESE 4 ACCOUNTS CEASED TO REPORT ON 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 2017-11-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: SUN LOAN COMPANY INC.
State: IN

Complaint narrative:
I recently applied for employment XXXX-XXXX-17 and was denied due to a loan from XXXX XXXX XXXX in which I never applied for. The amount of said loan pay off is {$1300.00}. I have submitted a dispute through a credit reporting agency and have had no luck getting this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I have a CareCredit Card with XXXX XXXX. My issue is that it is that the company is making it too difficult to pay off charges with extra payments in a way that avoids having their excessive interest rates kick in.
I have three different charges, with three different expiration dates (XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX ). Payments are made the first of each month, with minimums being applied to each of the charges. I can pay off the first one in time with three extra mid-month payments of {$600.00}. But to do that, they inform me I must cancel my autopay setup with them and call them on the exact payment day ( not a day earlier or later ) and make the minimum payments, add the extra payment, and tell them to allocate the extra to the first loan.
I suppose this is in the fine print, although the wording is extremely confusing. Nonetheless, I think this amounts to a kind of scam in that you must be super vigilant on your end just to pay them back. It 's unreasonable. You are trying to pay them early. They should be glad. But of course, then they lose the interest they were hoping to take from you because of their over complicated system.
I suppose an interest free card, even for medical costs, is too much to wish for. But why do doctors subscribe to these cards, if that is the case? Are the doctors paying them, too? Or does the card pay them a percentage of the accounts that end up paying interest because you do n't understand or do n't just through their very narrow hoop in just the right way?
It just smells of a kind of loan sharking scam to me, preying on vulnerable people with medical bills they are already struggling to pay off.
I have a transcript of my chat from today that I will attach.

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 2017-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I have had a mortgage for the past 18 years from mid XXXX 's to current. My mortgage has been sold 4 times over the course of the last 4 years. Prior to getting the mortgage sold I re negotiated with the lean holder and in a loss mitigation program.
But before being sold I had made the the 3 months of trail payment which were successfully, a new agreement was signed and notarized. Upon the sale the next mortgage holder accepted the terms and conditions and then the mortgage was sold again to Ditech which is when in XX/XX/XXXX they started to play games and ask me to open up a new loss mitigation program because they did n't want to honor a binding agreement with the previous lean holder. I refused on account of them wanted to raise my interest rate back up from 2 % to 8 %.
I will attach this agreement if I am able to send to you. Now I am foreclosure and attorney has suggested that I file a complaint with you.
Best Regards XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: New Era Asset Management, LLC
State: GA

Complaint narrative:
XXXX at New Era Asset Management calls me with back to back calls while I am at work. He is aware I work in a XXXX XXXX for a XXXX XXXX XXXX XXXX. He continues to call and does so without leaving any gap. He also called the main call line and informed a coworker they needed to speak with me. That is strictly against the rules and is common knowledge that you can not take personal calls in a XXXX XXXX. I was approached by management for the infraction and advised I can not let it happen again. This is unacceptable behavior that needs to end. I have been forced to turn my phone to silent and lock it away so if I have an emergency I will not know until I have a break.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 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: PA

Complaint narrative:
There has been an enormous amount of fraudulent inquiries on my credit report due to my personal information being hacked. I have reported this to each credit bureau identifying that I have been a victim of fraud. The only credit bureau that has been great with helping me is XXXX. XXXX XXXX and Equifax refuse to investigate the fraud inquiries listed on my credit report that were all done online, not one of these inquiries were done in a store where I had to verify identification. I have tried to dispute these inquiries but the Credit Bureau continue to response and say that the information is a factual record, however ; it clearly indicates fraud. Some of these inquires are listed twice by the same creditor on the same exact day or within 30 days, clear indication of fraud. No creditor needs to pull a hard inquiry more than once in 30 days. I have urged them for their assistance and they refuse to be of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a letter from National Credit Systems , Inc indicating that I owed them {$9100.00} and that the original creditor was XXXX XXXX XXXX XXXX. Therefore on XX/XX/XXXX I mailed a validation letter requesting information regarding the account. I lived at the XXXX XXXX XXXX and when my lease expired I moved. I left the apartment clean also. The owner is taking advantage of me and my family. I believe that they are taking advantage of me because of my limited English and country of origin. I am requesting that they provide proof of the debt that they claim I owe them. This account is impacting my ability to find a safe place for my family and impacting my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
The credit collection company are submitting me information for the wrong amounts and continue to harass me about dept that is not mine

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation