vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I, XXXX XXXX purchased my home in XX/XX/XXXX. After sixteen years of ownership and living in my home with several mortgage holders over the years, my mortgage was turned over to Select Portfolio Service , Inc ( SPS ) in XX/XX/XXXX. Due to the Nevada housing bust during the recession, I was offered a loan modification by SPS to lower my APR rate and mortgage. So, I applied for the loan modification however, the modification process has taken a very long time processing. Ive been asked to resubmit the required forms over ten different times for one reason or the other. Finally three months ago I was fortunate to get some assistance from a very helpful SPS agent XXXX that offered his time to assist me through the whole process on their website to make sure no mistakes were made on the required forms. This time after all the required forms were submitted properly, I was informed that I didnt qualify for modification due to the fact that my income was too low to cover my mortgage! So, I requested a breakdown of my mortgage balance at first they said that my account information was Interest Bearing Principal {$220000.00} and Deferred Principal {$350000.00} Totaling at {$570000.00}! When I called and question this outrageous amount after all these years of living in my home and paying my mortgage, they instructed me to put my request in writing which I did and now they have come back to claim that their figures are not only right but the Itemization shows that I owed {$620000.00}! Ive been asking for justification for how I came to owe more than three times the original amount of my home after sixteen years to no avail. 

I do have supporting documents to my home ownership! Yes, there have been late payments during this modification process but owing 3 times the amount of the original cost of my home is not right or fair! I was informed that I may be a victim of a predatory lending and to seek CFPB assistance. Thanks for your assistance in this matter! 

Yours Truly, XXXX 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 2018-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
My account is blocked and I asked to close the account, they refused to close the account, asking me to send information to them ... I dont want to send them anything, I just want to close the account

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 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Good evening For the last month or so, a company has been calling my phone at least 2 times a day. The name of the company is Portfilio Recovery Associates. They call from different numbers and then doesn't want to identiy themselves. I dont have time for the harassing calls. You block one number and they call from another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: OR

Complaint narrative:
I sold my home and the closing date was XX/XX/2018. I had an overage in the escrow account. I have not received the refund of the overpayment amount from the escrow account as of this date, XX/XX/XXXX, and as I understand, I should have received the refund no longer than 30 days after closing. The mortgage company, Guild Mortgage has told me that a check has been mailed twice. The first check appears to have been lost ; it never arrived to me. I requested at least 3 times that the amount be sent by expedited mail so it would arrive to me closer to the 30 day cut off time after it was determined that the first check went missing and was not cashed, but they did not honor my request. It has been verified numerous times that the mortgage company has my appropriate address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Coast to Coast Financial Solutions, Inc.
State: FL

Complaint narrative:
Coast To Coast Financial Opened XX/XX/2018 Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious Coast To Coast Financial Opened XX/XX/2018 I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX   SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX, FL 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 2018-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On or about XX/XX/2018 we received a statement from XXXX/American Express Indicating a fee of {$95.00} for the following year. My wife asked to cancel the card and they said only the primary card holder ( me ) can cancel. She asked how long do we have and they said up to the closing date. I called on XX/XX/XXXX and asked to cancel and they closed it and since I had a credit due I don't have to pay anything. I few weeks latter I received another statement saying I owed approx {$83.00} ( {$95.00} less credit ). I called American Express and the agent told me it takes a few weeks for it to be processed. I called back a few more times with the same response. In early XX/XX/XXXX I called and the agent discussed it with her supervisor and said there is a problem and he resolved it. On XX/XX/XXXX I  received another late notice and called American Express again. After long delay the agent said she spoke to the supervisor and he will call me within 24 hours to finalize the process. XX/XX/XXXX, after not hearing from them I called again. This time she said the supervisor called on XX/XX/XXXX and was transferred to voice mail and could not leave a message. My online records show no calls for that day that were unanswered The agent could not contact the supervisor but said he will soon call me back. I verified the number with her. I have yet to receive a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, FL XXXX Attention dispute department : M J ALTMAN COMPANIES I XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not  responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a  notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious M J ALTMAN COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Good Evening ; I just finally got off the phone with representative XXXX XXXX at First Financial Resources Inc in regards to a recent entry on my credit report account # XXXX on a debt that i don't owe to them. After 10-15 conversations with XXXX, she mentioned that the social security numbers on file are completely wrong and she said that she will escalate this issue to her supervisor. The only reason I found out about this issue is because i recently went to finance a newer vehicle and the finance manager told me that I have a {$9600.00} medical collection on my file and I became perplexed and stressed for the last couple of weeks.

I'm not 100 % sure, but this is a total violations of both state and federals laws especially under the provisions of FCRA and FDCPA. Because of this is the only negative item on my credit report, it dropped my credit score way below the mark and caused my recent finance interest rate to sky rock.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have been struggling with my mortgage company which XXXX is the  servicing company and Lakeview is my lender. They gave me hard time to short sale my house with them. As my agent had reported and got the offer to them. They took over 4-8 week to processing each single pieces of information they requested. They also keep changing mind on the offer. The property is never changed pending from XXXX XXXX XXXX ( XXXX ) as I instructed the agent not to do so. However, they never consider anything for my sale and pushing me to foreclose the house. Their information is not corrected at all as I have told them. They never want to help and just want to foreclose my house without any help

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 2018-12-05 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
Was told accounts would be consolidate and interest would be frozen so I would just pay the principle. Mentioned one account was for when I was XXXX. They did not have records and I was not sent contract. Interest accrued:XXXX. Was told I could pay XXXX and then amount was changed to over XXXX. They lost my records and are missing 3 years of transcripts. Get everything in writing!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: NV

Complaint narrative:
EXPERIAN CREDIT BUREAU IS IN VIOLATION OF THE " STATUTE OF LIMITATIONS '' ON MY CREDIT MATTERS, " SINCE XX/XX/2018 COMPLAINT XXXX ABOUT EXPERIAN ''. MY CIVIL LIBERTY RIGHTS, FUNDAMENTAL RIGHTS BEING VIOLATED. THEREFORE ; FAILED TO NOTIFY ME ABOUT MY CREDIT REPORT DISCREPANCIES IS IN VIOLATION OF " STATUTE OF FRAUDS, AS THEY PUT A STATUTORY PERIOD. CF. LACHES ON MY CREDIT MATTERS, WITHOUT PROMPTLY CONTACT ME ABOUT MY CREDIT REPORT DISCREPANCIES, ETC. DEEMED TO BE A TRIAL BY AMBUSH OBVIOUSLY HAPPENED TO MY CREDIT REPORTS MATTERS. VIOLATION OF MY FOURTH AMENDMENT ( 1791 ) AND MY FIFTH AMENDMENT ( 1791 ) AMENDMENT VIII AND AMENDMENT IX ( 1791 ) ALSO BEEN VIOLATED BY THE CREDIT BUREAU [ S ] AGAINST  MY RIGHTS. DEEMED BIAS WITH ANIMUS ACT AND ACTIVITY AGAINST ME, ACCORDING TO OUR RULE OF LAWS I MENTION HERE-ABOVE. XXXX XXXX IS IN VIOLATION OF OUR CIVIL LIBERTY RIGHTS, & FUNDAMENTAL RIGHTS, AS I MENTION HERE-ABOVE ALSO. BIAS WITH ANIMUS CONSPICUOUSLY.

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 2018-12-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: MI

Complaint narrative:
I accepted service from XXXX XXXX XXXX. The company did not inform me that internet was required. They also told me that the agreement was at will without penalty. They never addressed my needs as a customer. My bill is only {$230.00}. They placed false information regarding my bill with a collection agency who has placed information on my credit report without contacting me or giving me an opportunity to dispute the validity of the debt. The debt is not valid. The actions are unlawful and I am requesting that the actions of this collection agency be reported to the Federal Trade Commission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I transferred XXXX ThankYou Points ( Citibank ) to XXXX XXXX to book award flights on XX/XX/XXXX. The transfer was instant, but XXXX 's website was having serious technical issues and the booking was not successful after several contacts with XXXX 's customer service. On XX/XX/XXXX, two days after I initiated the transfer and saw the booking probably never would be successful, I contacted Citi and Citi initiated a point dispute. Citi 's service  agent reassured me that for a case like this ( technical error on XXXX 's side ), the dispute would be successful, and they would call me back after they heard back from XXXX. However, I haven't received any calls and after a week, when I contacted Citi once again, the agent said the dispute was not successful, and the point reversal is not going to happen the moment I transferred them. Citi basically refused to argue with XXXX on behalf of their customers and Citi ThankYou Points customers literally have no protection at all after they initiate a transfer.

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 2018-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is reference to the original compliant CFPB # XXXX, filed XX/XX/XXXX toward Fifth Third Bank. 

The above complaint through the CFPB was declined by Fifth Third Bank for {$18000.00} to XXXX  because they enforced the fact that this complaint was filed outside of the sixty ( 60 ) day timeframe allowed under Regulation Z. Even though I first filed a dispute with Fifth Third on XX/XX/XXXX and did not get an answer until XX/XX/XXXX ( 3.5 months ). The Dispute Dept Supervisor hung the phone up on me when I was trying to get an understanding of their process. 

I charged portions of the XXXX fee ( {$85000.00} ) on other credit cards at the same time ; XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX as directed by XXXX and those financial institutions did not enforce the sixty ( 60 ) day limit and REIMBURSED ALL MY XXXX   CHARGES. 


I was schemed into believing the purchase of a XXXX business would benefit my family for years into the future. I was only able to participate in XXXX activities for ten ( 10 ) months, XX/XX/XXXX through XX/XX/XXXX. 

I have attached a XXXX document outlining the services/products I was supposed to receive under my life time XXXX  purchase and marked those services/products I received and those I did not. As you can see, the services/products are too numerous and extensive to comprehend within a sixty ( 60 ) day timeframe per Regulation Z. I was not able to take advantage of all the services/products offered because the Federal Trade Commission ( FTC ) discovered the fraud and shut down MOBE XX/XX/XXXX. 


This complaint is made toward Fifth Third because a ) they do not follow the same standards as other financial institutions who waived the 60 day timeframe limit. Why did every other financial institution find the disputes in my favor and Fifth Third did not? b ) I did not receive all services/products I paid for due to legal action by the Federal Trade Commission toward XXXX. 

All FTC court proceeding documents can be found here ; XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
Google pay closed my account. I have a balance in my account of XXXX dollars. I was told on XX/XX/XXXX the money was being transferred to my ban account. For some reason it never was. And it is back in my Google pay balance. Now they are telling me that it can't be sent to me and will be turned over to the authorities. But will not tell me what authorities.

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 2018-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
On several occassions I contacted SallieMae and Navient regarding difficulty in making payments. Sallie Mae had told me on one occasion that my loan was not eligble for forgiveness because it was initiated before XX/XX/1991, even though I qualified in XXXX area, including teaching ay-risk students in non-profit intitution, in an urban area. Both servicers offered forebearance, and never offered any repayment options. I beleive my loan has been in forbearance a total of 10 times. I dont rememberdate as this has occurred over 12 years. At one point my loan was {$9000.00}. Now it is up to {$20000.00} because representatives at Navient recommended forbearance.

Company response to consumer: Closed with explanation