vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Seterus, Inc.
State: AZ

Complaint narrative:
We successfully short sold our home in XXXX of XXXX. The process was easy and fast. Everything was done flawlessely or so we thought. Seterus has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over XXXX delinquent. I have reached out to Seterus several times to have this corrected. They have yet to do so. It is almost XXXX full years later and they need to be held accountable now.

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 2017-11-30 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: Performant Financial Corporation
State: CO

Complaint narrative:
PERFORMANT FINANCIAL performed a HARD pull on my credit on XXXX XXXX withoutmy consent. 

PERFORMANT claims the were authorized under FCRA to obtain my credit due to and account transfer, HOWEVER the date that PERFORMANT opened an account was like XXXX XXXX. 

XXXX MONTHS before the FCRA allowed. 

FUTHERMORE FCRA grants PERFORMANT authorization to do a soft pull not a hard pull

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 2017-11-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.

Complaint narrative:
This is a follow up from my previous complaint which led to 0 change. 

I live in XXXX. 

First, I was told by a Navient customer service representative that I would have no problem making payments from a foreign bank account. I then shifted all of my money to my account in the country where I live. I then found out that autopay is in fact impossible without a US routing number, which actually increases the amount I need to pay. Bad information fro Navient. 

More recently, I made the decision to come off of my income driven repayment plan based upon two emails I received from Navient that said quote : " On XXXX/XXXX/XXXX, your Monthly Payment for your loans enrolled in an Income-Driven Repayment ( IDR ) plan is set to increase to {$160.00}. 

This is the maximum amount you 'll be required to pay each month while you 're in an IDR plan, but you may be able to lower your Monthly Payment if you qualify for a new XXXX partial financial hardship period. '' XXXX was certainly a payment that I was able to make, so I let my IDR expire only to see that my payment was indeed quite a great deal more than XXXX. Bad information from Navient. 

Furthermore, calling Navient to actually make my payments continues to be nothing short of farcical. First, I need to call either from XXXX which is unreliable, or from a landline in XXXX which is costly. Then, each time I speak to them, I have to go through the same song and dance about the phone number they have on file ... .I mean this most recent time must have been the XXXX or XXXX time I have been asked to verify if my phone number was still one from when I lived in XXXX XXXX which I have n't lived in for nearly a decade. 

What kind of nonsense is this? What is happening to the up to date information that I have repeatedly supplied them? Why is it that they can get away with such persistent incompetence, especially given the fact that this incompetence has more than once caused me financial stress and hardship? I also ca n't help but feel that Navient 's payment system discriminates against people who no longer live in the USA, making it nigh on impossible to simply make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
In XXXX, I opened an account with Tower Loan. After a year of installment payments the account was closed. Final payment was made and all debts were settled. Shortly thereafter I noticed a default payment posting onto my credit reports ; XXXX & XXXX stating a XXXX late payment. I contacted Tower Loan about the report and their response was and still is ... .. that once an item is reported, it is company policy " not to remove ". But contradiction shows otherwise. In XXXX XXXX this item was removed from my XXXX report. Thus proves '' false reporting " to this day on my XXXX  report!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX. 

Frequent calls, usually 10-15 per day from numbers that were all different. The call back number they left me on a written letter was a number for a " you just won a {$100.00} XXXX XXXX gift card '' number. ( XXXX ) They are claiming to be collecting a debt from XXXX which I have researched both XXXX and this collection agency and the collection agency has multiple cases filed with the BBB as a scam. They are also affecting my credit score with XXXX as this is not the first time they have called me or sent me mail. They often call after well before buisness hours with the latest call being at XXXX XXXX. 
The amount they are attempting to collect is {$2800.00} and stated on the letter sent in the mail via USPS that the amount was due in full by XXXX XXXX 2017. Also the address the document attached below was sent to is not my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/17 I got a call from the collection agency at work. I had already told them not to call me at work to call my cellphone. I called XXXX back on my break. I explained that I was trying to get my financial situation stable that if I could give a payment in XXXX that tax season was already in XXXX and that I would be able to give a payment by then. She transferred me to her Supervisor. I explained myself to him and he proceeded to intimidate and threaten me stating if I didnt give him some kind of payment that day that he would put down that I refuse to pay this debt and make sure a suit was filed. At no moment did I say I would not pay this I know I owe this money but I went thru a hardship almost lost my house and fell behind with other debts. He said if I can pay my car note then I can give him a payment that day. He again said he would make write down that I refuse payment cause if I can pay my house and car then I can pay him. At that point I hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I have had my personal PayPal account since XXXX, and I have used it responsibly. In XXXX of XXXX, I was unfairly penalized by the combination of XXXX and PayPal ( which I realize are separate companies now ) in the sale of an XXXX gift card ( {$100.00} value ) to a customer in XXXX. This customer defrauded me, and then proceeded to charge back the transaction. I found that gift card transactions are not protected by the seller protection afforded to most PayPal transactions. So, I incurred real losses of {$320.00}. I was advised by XXXX/PayPal to pursue the XXXX citizen through XXXX legal remedies. I explained how pointless and cost-ineffective this would be. So, I withheld payment for several months. I made payment in XXXX, XXXX when PayPal held payments to another account " XXXX ''. My account was restored in full. 

I am a XXXX patient, and I own an IT consulting firm. One of the services that I offer is XXXX XXXX using XXXX XXXX, and I sell XXXX XXXX XXXX XXXX. In late XXXX, XXXX, I became a partner at XXXX in order to offer more product variety. As a consequence, I set up an XXXX store and XXXX store for my company, XXXX XXXX XXXX. I still have pending sales on my personal seller account at XXXX. 

I have had some unplanned absences from work due to my XXXX, and my assistant began her maternity leave earlier than expected. These situations coincided to create some shipping complications. I have tried to communicate effectively with customers. But, I have not been perfect. And, I have had 2 customers in particular with unrealistic demands. I feel that XXXX  took unnecessary action against me. This caused PayPal to put a limitation on all of my accounts. 

In speaking with customer service, I ran into an especially nasty supervisor, XXXX ( user id XXXX ). He should not be in a customer-facing role. I attempted to explain my situation, but he could not have been less interested in helping me. From the tone of his treatment, I felt as if he suspected me of foul play which could not be further from the truth. I try to be a responsible member of every community that I participate in. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX 2017 We received 7 letters stating Citibank was closing all of the accounts in my household. The accounts consisted of my husband and me, as well as XXXX of my children. The letter ( which I no longer have ) had no explanation as to why they were doing this. They said they have the right to discontinue business with anyone for any reason they choose. We promptly withdrew all of our money ( XXXX ) from citibank at that point. I contacted the executive offices for Citibank and was told " It was a business decision and business decisions ca n't be reversed. '' A couple of weeks later without notice our XXXX XXXX  XXXX card and XXXX card were cancelled.. which was quite an embarrassment. I since have attempted to re-apply for the XXXX XXXX XXXX card and was denied. I will attach the letter ( which is very concerning to me, my husband and our children ). I am worried for our financial future. I applied for another XXXX not associated with XXXX and was quickly approved. I have also opened another account with a different bank.

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I am trying to fight through roadblocks put up by my mortgage lender XXXX XXXX XXXX. They took over my loan from XXXX and have consistently lost paperwork, changed account managers and failed to review my current financial information and give me access to the government and internal programs they have so that I can save my home. They recently claimed that they had reviewed my financial information but stated I was denied because my monthly income is only {$1400.00}. That is not even CLOSE to accurate. I receive pension as well as XXXX and it is over {$2000.00} per month. It seems that Rushmore is just making an excuse to foreclose as they have set a sale date for XXXX XXXX. I have lived here since XXXX and XXXX XXXX  XXXXXXXX XXXX for just as long. Approximately one year ago I began having serious health issues and was forced to be hospitalized for XXXX XXXX XXXX. By the time I got out of the hospital I was behind on the mortgage, and unable to work. I have now been classified as permanently XXXX and I am on a fixed income. I have repeatedly tried to get Rushmore to engage in a fair and transparent negotiation so that I can resolve the matter of my delinquent payments but this has proven to be difficult. It is a constant runaround and paper chase and it seems that they are intentionally trying to stall so that they can foreclose on my home. I think it is wrong to mislead a US veteran who is now XXXX and try to force me out and not even give me chance to fix this situation. 

I needed to take some cash out and was steered/duped into a predatory high interest rate ARM loan by XXXX. When I realized what was happening at the signing table I objected but they told me not to worry, I could always refinance into a fixed rate loan later. It wasnt long after that property values tanked because of the recession and the hope of refinancing was gone. As my payment adjusted up I struggled and tried to get XXXX to help me at that time. They did offer me a modification, but it was a temporary fix, and after a few months my payment became higher than it was BEFORE the loan modification. XXXX was difficult to deal with and it is not surprising that they were fined and sanctioned by the Department of Justice for unethical foreclosure practices. When XXXX went out of business they sold my loan to Rushmore for pennies on the dollar and I feel that Rushmore is obligated to work with me to put a plan together so that I can save my home ; I was duped by XXXX at origination and then put into a modification that they said would lower my payment but they told me it was permanent and six months later the payment was higher than it had originally been! I cant afford my payment, it is close to half of my monthly income and I am significantly underwater and need help because Rushmore is ignoring me and trying to auction off my home!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: TX

Complaint narrative:
sent po report inaccurate infomation all doc 's sent to the credit company

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 2017-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
In XX/XX/XXXX I signed up for a trial payment plan to avoid foreclosure as I was behind on my mortgage payments. I was set up on a three month payment plan for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My first payment which was mailed XX/XX/XXXX was lost in the mail. On XX/XX/XXXX I sent them a form required by the bank to replace the lost cashiers check. I never received a response back. I have called emailed and faxed multiple times. On XX/XX/XXXX I was advised to send proof of payment. On XX/XX/XXXX I sent proof of payment. My third payment was due XX/XX/XXXX. Since I never received the form I tried calling them again on XX/XX/XXXX to pay over the phone. All my calls were disconnected by recording regarding high call volumes. Ive tried calling multiple times today and left my phone number but still no call back. Please help me

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 2017-11-30 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I received a bill XXXX/XXXX/XXXX from Navient informing me that I owe {$3300.00}? 
I went to collage for a one week and owe {$3300.00}!! The original loan was in XXXX/XXXX/XXXX for a {$1200.00} but there saying now the original loan was {$2600.00} I have made several payments but with the interest rate XXXX it 's hard to get caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
We successfully short sold our home in XXXX of 2016. The process was easy and fast. Everything was done flawlessely or so we thought. XXXX has yet to report to the bureaus that this account has been closed and the house has been short sold. So as of right now for the last 21 months straight my wife 's credit and my has been getting hammered and the account shows over 120 delinquent. I have reached out to XXXX several times to have this corrected. They have yet to do so. It is almost two full years later and they need to be held accountable now.

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 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: VA

Complaint narrative:
We asked Fay servicing for a modification to our mortgage on XX/XX/XXXX and confirmed receipt of all documents. We received an email from XXXX XXXX on the XX/XX/XXXX asking for additional documents, which I provided the same day and receipt was confirmed. I was told we would have a determination in 30 days. I have asked repeatedly, and have not received a response. I am an employee of the US Government ( Department of State ) and have been stationed overseas until very recently, thus, my home has been rented. Our tenants broke the lease, therefore we do not currently have the income to pay the mortgage at the current payment, we have been behind on payments since XX/XX/XXXX. We have had difficulty finding new tenants, and have just had a new lease signed beginning XX/XX/XXXX so we do not need a long term solution. In order to keep my security clearance ( which is necessary for my job ) I have to keep my payments current and have asked Fay Servicing to assist me with my extenuating circumstances. They have been non responsive and unhelpful, and I am hoping you can help mediate the situation and hopefully expedite a solution that we can be satisfied with. 

I can forward you the documentation I provided, but it will not allow me to put it in the field below due to the file size. If someone can provide me with an email address, I will forward it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: WA

Complaint narrative:
I have to state that I was pretty disappointed when US Bank took away the credit that was on my credit card through XXXX. 

I had a credit balance because US Bank would not accept payments of less than {$1.00} from my bank. And rather than refund the money ( like other credit cards do ) OR enjoy the interest they were making off my money, US Bank decided to keep all of my money with NO issuance of notice to me. US Bank has stated ( on XX/XX/2017 ) that there are regulations that require a refund of any credit balance held by the bank for 90 days. HOWEVER, it is US Bank 's policy to keep the money themselves rather than send out checks for less that {$1.00}. 

If I owed US Bank money, they would not hesitate to charge me with a {$38.00} late fee if I did n't pay an amount within 30 days. I have to ask - where is the equity in this action? 

While the amount may be small, for a company with 15.8 million customers ( XXXX XXXX XXXX ) and a quarterly revenue of {$300.00} XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) this seems like a pretty petty thing to do to the customer, but a potenially large windfall to the company. 

I would love an explanation on how/why this is possible, Thank you XXXX 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 monetary relief
Consumer complaint received 2017-11-30 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: FL

Complaint narrative:
I have called XXXX numerous times in reference to unauthorized inquiries I dont recognize. I recognize 2 out of the 17 I have. They have told me numerous time they will place a dispute and investigation when In fact one agent told me they is no investigation actually done. They come back and say its a factual record. Ive called a few of the creditors and they have no records of any application. However they told me Equifax must remove it. I am getting beyond frustrated because of lack of negligence Equifax has shown and no help in getting this resolved. 
Below are the inquiries I did NOT authorize. 

XXXX XXXX ( 4 ) XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX ( 3 ) XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX

Company response to consumer: Closed with explanation