vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-26 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: ME

Complaint narrative:
In XX/XX/2018 XXXX XXXX sent me a XXXX, Cancellation of Debt for the amount of {$3600.00} - the outstanding past due balance on a XXXX Card in my name. SInce XXXX effectively canceled the debt by issuing the XXXX, they can not report a balance or past due amount on my credit report. I disputed this through Equifax, which XXXX verified the balance and past due amount, there by violating the FCRA as since the issuance of a XXXX cancels the debt, I do not own them any amount nor is any amount past due. 

This is willfully false reporting and I demand the trade line be deleted from my report. XXXX  is engaging in a clear violation of the FCRA and willfully reporting false information damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: MD

Complaint narrative:
I am now {$20000.00} in the rears with my mortgage with Ditech i have been behind since XXXX.. I had XXXX XXXX in XXXX.I lost my Job of 10 years because of losing time from work. That is how i became behide. I now I am able to pay my mortgage and have submitted a Modification 2 time. Both time they were denied with Ditech. The reason that they denied me is because of the programs that they have to follow. This is where the problem comes in. I have attached the 2 denials for your review. What i have a problem with is that being that i am a Certified XXXX XXXX myself I have seen the Modifications that lenders offer clients.My interest rate is 6.75 % and has been so since 2004 rates are much lower now. Most modification that I have seen come across my desk have lowered the rate to 2 % 3 % so that the # s would work. I have since them also give a Balloon Payment of 15 years. This would give the mortgagor time to get on their feet. This option was not offered to me. I know that this option is available but the lender is not trying ever possible option to keep me in my home. Again my rates in 6.75 %

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
We are U.S. Military Veterans and previously changed Homeowners Insurance Companies from XXXX to XXXX XXXX in XX/XX/XXXX and the new HOA Premium amount and policy was sent into the Roundpoint Mortgage Insurance Department on XX/XX/XXXX. Also, we requested a new Escrow amount be calculated to lower our payments from {$4900.00} since the new HOA Insurance Premimum has been reduced to approx. {$1800.00} vs. {$4000.00} and have requested repeatedly to have this information reviewed. Also, an XXXX Representative called Roundpoint Mortgage on in XX/XX/XXXX as well and spoke to a Representative in the Roundpoint Insurance Dept and she duly noted the account and the XXXX Representative again faxed over the information to the Insurance department and the receipt of the information was confirmed. However, Roundpoint Mortgage is llegally causing an undue financial burden to our family by not adjusting the escrow amount to lower our monthly payment. 

Also, the assigned reperesentative - XXXX -for the Loan Modification process is very rude and abrupt when I had to repeatedly request her to explain what the Stop-Gap process was and believe they are not being very transparent on which program are actually available to Veterans while waiting for the Loan Modfication Process to be completed. Also, I believe they are unnecessarily causing a longated process to complete the modification request. It is very undue and their business practices towards VA Homeowners is very alarming! We should not have to go through this much red tape to request a loan modification. There was much impatience exhibited by my assigned representative XXXX XXXX. I also requested if she could help me get the insurance situation resolved with their department and she initially stated she could, but then reversed and told me she could not transfer me and to call back to the Insurance Dept. This is ridiculous, very non-proactive and this causing more financial burden to my family as well because the representative is not going the extra mile to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2018 " XXXX XXXX XXXX  '' ran my credit using a hard inquiry. 
Someone has been using my social security number and identification to apply for credit that I did not authorize or know about. I did not apply for anything on this date for this company. 

On XX/XX/2018 Equifax customer service told me that they could not and would not file a dispute for this hard inquiry that I did not authorize. And that I would need to have " XXXX XXXX XXXX '' contact Equifax directly and instruct the company to remove this hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I cosigned for my niece, so she could move into an apartment the XXXX school year. I have not been on any of her leases since. XXXX XXXX XXXX, XXXX has been trying to collect a debt invoice from the 2017-2018 lease, I am not on that lease. Further more the amount they are trying to charge is twice as much as stated in the lease, which would invalidate the invoice also. 

I have talked to XXXX XXXX XXXX, XXXX, they have put my case on hold in XX/XX/2018, but have recently ( XX/XX/2018 ) reported the debt to the Credit Bureaus. XXXX XXXX XXXX, XXXX today ( XX/XX/2018 ) says it is their " Right '' to put the debt on my record even though it is " Under Investigation '' with them. 

On XX/XX/XXXX XXXX XXXX XXXX, XXXX said they would send me all documentation they have about me, they never did, and now refuse to give me any further documentation about the debt ( they hung up on me during the phone call this morning ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I purchased a new home XXXX, XXXX and my mortgage loan was sold to WellsFargo. I contacted WellsFargo in early XXXX, XXXX as it showed that my property taxes paid were {$2.00}. During the phone call I let the company know that my property taxes should be significantly higher. I received a letter on XX/XX/XXXX that my property taxes were past due in the amount of {$6400.00}, which was paid in addition to a " misc fee '' of {$620.00}. I have contacted WellsFargo numerous times for resolution however after 3 months I still do not know anything. I need my XXXX tax statement revised to reflect the property tax I paid in the amount of {$6400.00} not {$2.00}! With the new tax bill I can not have that amount go towards my XXXX taxes. I elected to have my mortgage company pay my taxes so they have a responsibility to pay them timely and not charge me late fees of {$620.00}. This has delayed getting my XXXX taxes completed.

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 2018-02-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX of 2007 I sold a business that I co-owned, it was sold under legal contract, to the other co-owner. From that time the new owner had 30 days to remove me from all items related to that company. Unknown to me this never happened per the contract, as we were not speaking, due to the fact that I was assaulted by my business partner. Fast forward eight years and the new owner quite paying their bills. At that time, I was contacted for collection since my name was never removed from the sold business as it was suppose to be. A court case was opened and herd, in which I was found not liable for the items in question. This information was sent to all three credit reporting agencies, Experian and XXXX XXXX both removed these items from my report after reviewing the information, but Experian didn't. We feel this should be removed as I was found not liable in court. I have always worked very hard, to maintain an excellent credit score and through no fault of mine now its damaged. Please help to get this removed from the Experian report.

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 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am charged {$14.00} every month for this service. I had questions about my credit report. I have been calling for weeks. I can not get to an agent anytime I call. I am told repeatedly that the wait time is 1-2 hours. Sometimes the recording will ask for more information and say we can not help you at this time, put your complaint in writing. If i did have a major credit issue, I would be in big trouble. You can get no help. I no longer want to pay a company to look at my credit and promises help but has such a sorry customer service. I have mailed a letter to the company detailing my complaint. I no longer want the service and just want to cancel. However, the way their contact is set up, you are thwarted at every turn. You can not cancel online. You can only call or write. When you call, you either get no one or it cuts off on you. That is not right.

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 2018-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
After Hurricane Irma in XX/XX/2017, my Sallie Mae/Navient monthly payments are more than double. The balance I owe is for My daughter 's ( XXXX XXXX ) loan that I cosigned for. She was only making minimum payments and it affected my credit. So I made arrangements to be the sole payer on the account. This was originally a {$2000.00} loan, and there is still {$860.00} owing. The past 4-5 months, the payment has gone from around $ XXXX- {$18.00} up to over {$45.00}. Since I am retired now and on Social Securty, this became a hardship. I have emailed them several times and NEVER got even one response as to why the payment went up like that. It will never be paid off at this rate, because now I am the one making minimum payments. My daughter is unemployed, or she would help me. We live in a very small town, and jobs are extremely hard to come by. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2018 I called TransUnion Credit Bureau [ My Credit Score with them is XXXX ] to ask them why XXXX  and XXXX credit scores were 45 points higher [ ranging between 720-730 ] for the last 4 months. 

They told me that there was nothing they can do, but they could send me a free report within 10 business days. I waited 4 weeks and still did not receive a report so I called them today and they still said that there was nothing they could do again, but they would resend me me another report.

The issue is simple - how can two of the 3 bureaus have a 45 point difference and why does the burden fail on me the consumer to check into why there is such a hugh score difference?

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 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I have recently lost my job and contacted Shellpoint Mortgage Servicing about any programs/options they may have to assist me. 

My first contact was shortly after I became unemployed on XX/XX/2018. In this conversation I was informed that there was a pay for two months, then defer two months payment. 

My second conversation with Shellpoint Mortgage Servicing on XX/XX/2018 led me to first believe that there were NO options to provide me that would help ease the pain and stress of being unemployed. 

Once pushed, I was forwarded to another customer representative to discuss the options which suddenly became available. The options available are for a 3-month forbearance which will become 100 % due on the fourth month. The fourth month would require 4 whole payments at once!

I do not believe this is a viable option that would be of help in relieving the financial burden during a period of unemployment. Having to come up with 4 months of mortgage payments after having been unemployed adds to the financial stress caused by the disruption in income.

When asked about the original offer of deferring two months after having made two months payments, the customer service representative told me that my financial backer, XXXX XXXX   does not participate in that offer. 

I am having a hard time believing that there are no viable options that would be of benefit to helping a customer out during a time of financial burden.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I have tried now for months to handle this on my own. I have gone to Citizens bank and they don't even want to sit down with me because the account is closed. I tried XX/XX/XXXX and again in XX/XX/XXXX and XX/XX/XXXX. I have also called numerous times same dates because I would go into the branch they would give me number because, " they were unable to help me '' and I was on the phone for hours transferred to multiple times all while getting no where. Then one day recently XX/XX/XXXX I called to be transferred to 6 representatives when I finally got a nasty man XXXX XXXX agent number XXXX. That was a 4 hour conversation where I was transferred 6 times and they said there is nothing they can do because the account is in my name and closed. 

Back in XXXX I started working for XXXX XXXX, owner of XXXX XXXX XXXX  and XXXX XXXX XXXX, in XXXX XXXX. I was doing mostly office work helping him collect on past due accounts, I was in charge of payroll, ( Which never happened ) scheduling and sometimes I would go out into the field for estimates or to do work. He had mentioned to me that he was going to add me on the " XXXX Bank account '' and make me a signer because we were getting into situations when he would want me to write checks and I told him I can not because it is not my account. Then one day in XXXX we went into a XXXX bank and we did just that, made me a signer. I made it clear on multiple occasions I just wanted to be a signer. That day when I was added XXXX account was already negative, I said this seems like a bad idea I don't want to go on this account as a signer when it is negative. He said a customer had written him a check and it will be handled. I believed him. 

Now fast forward to XX/XX/XXXX I have never written any checks out of that account nor did I ever have a debit card with my name on it. My issue is this was his account it is negative because of his negligence not mine. I had a XXXX XXXX XXXXXXXX account for 19 years which now is closed and purged because XXXX XXXX wrote and deposited checks into my account and they were bogus. I have already filed charges against him and had to get multiple police reports because this man stole my identity and ruined my life in just under a year. He is now being held at the XXXX XXXX  XXXX XXXX where he is facing multiple larceny, stolen identity, and forgery charges. 

I need help resolving this issue so I can begin to get my life back. When I met him I had an XXXX credit score and the same bank account for 19 years. My credit score is now under a 5 and I am unable to get a bank account because of him. He also opened a XXXX account in my name which had multiple checks deposited and it was left negative and purged. He opened that without any of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
We utilize Regions online Bill Pay, and made a payment to M & T Bank on XX/XX/2016 for an RV loan. In XXXX of 2016, Regions put the payment amount of {$670.00} back into our account because M & T bank never cashed the payment. We have not been able to get an answer from M & T Bank as to why they did not accept the payment. We did not catch the redeposit transaction until working up the taxes this year. 
We did not get any notice from M & T of a past due amount, and when I called to inquire, was told it was my fault because I did not notify them of an address change. However, I receive a monthly reminder through email that would constitute a point of contact, but M & T chose to ignore that, and churned the account with late fees. 
I contacted XXXX about my bill pay account to get documentation so that I could prove I made the payment, that is when I found out about the redeposit in XXXX. Because M & T did not cash the payment, XXXX  could not provide the documentation, nor could they provide documentation of our checking account more than 6 months in arrears. They sent a letter to M & T Bank, which I believe M & T Bank ignored. The letter is attached. 
I MADE THE PAYMENT IN GOOD FAITH, but made the mistake of relying on the online banking system for documentation, which there really isn't any after 6 months. 
Please address this issue, I am a business owner, and about to change ALL my correspondence back to paper copies and forget online banking.

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 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I neither affirm, nor deny this purported debt. You claim I owe XXXX XXXX XXXX the amount of {$100.00}. 

This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/2018. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the Fair Debt Collection Practices Act. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

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 2018-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: PA

Complaint narrative:
I submitted a letter to Convergent XXXX  requesting that they validate and NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

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 2018-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Currently I have an adjustable rate mortgage on my condo with Mr. Cooper. I want to know who is the investor/owner of my mortgage. The reason is that I need permission to move my condo into my revocable trust. 
Starting in XXXX, I placed several calls to Mr. Cooper. Supervisors were evasive and didn't want to give me any information about the mortgage owner or whether I could move my condo into the revocable trust. My attorney at XXXX and XXXX told me I needed permission from the mortgage holder to do so. In mid XXXX, a supervisor told me to email " XXXX '' to get the info. I did so twice and didn't hear from Mr. Cooper. About XX/XX/XXXX, I spoke to XXXX XXXX XXXX who identified the owner of the mortgage by the code- XXXX. He understood what I wanted, and said he would see if it was possible for me to move my condo into the trust. He gave me his email address, " XXXX '' or XXXX. I wrote to XXXX twice, the last email was XX/XX/XXXX. I have not heard from him. When I last spoke to XXXX, he told me he saw that all my calls were noted as well as my email attempts. I need your help to get my info and move this along.

Company response to consumer: Closed with explanation