vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: NY

Complaint narrative:
I am a XXXX yr old, 3rd generation homeowner who is having her home stolen by fraudulent and wrongful foreclosure and have the paperwork to prove it if someone could please help amicus curie before my home is taken for good. These documents clearly show that Loancare, its attorneys XXXX XXXX XXXX, XXXX, XXXX XXXX, and Selene Finance, are all involved in some manner in this fraud. XXXX and XXXX XXXX XXXX are caught by the lies that they have created. Attached is the real servicing letter I received on XX/XX/XXXX from XXXX to XXXX. The fabricated document created by XXXX ( dated XX/XX/XXXX ) is a lie that appeared on XX/XX/XXXX and exposes the fraud. This letter appeared on XX/XX/XXXX after XXXX fraudulently obtained standing and summary judgement. It appeared with the change of XXXX to Selene and was created for the sole purpose of backing XXXX 's Lie that they had the original note XX/XX/XXXX. But their lie backfired and exposed them because a genuine true servicing letter would have been from XXXX to XXXX certified with a stamp from the U.S. Postal Service on that date of XX/XX/XXXX. This shows that XXXX and its attorneys lied about their backdated assignment, their fake copy of a Note ( that was never attached to the complaint and didn't appear until XX/XX/XXXX ) The new evidence I have presented to the trial court of the fabricated letter I received XX/XX/XXXX along with the XX/XX/XXXX recorded transcript of my conversation with XXXX ( the real and missing servicer ) stating that XXXX XXXX was the investor not XXXX should allow the courts to prevent my home from being fraudulently foreclosed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
XXXX XXXX XXXX calls multiple times throughout the work day, from several different phone numbers, masked sometimes as local numbers and other times not. It is regarding a retail card debt. I have explained over and over to them that I did not make the charge or purchase leading to the debt or unpaid balance. Someone must have fraudulently obtained my card information and used the card. I've asked for them to mail an account statement to me or something showing what these charges are and something official, but have not received anything. They call throughout the work day, every day. I have asked them that if they call, to call towards the end of the work day and not multiple times as it disrupts my ability to work. However, they call several times during day. They threaten to sue me or take legal action and use scare tactics with the unknown consequences of that legal action, and they do not provide written proof of what the debt is specifically or what options I have since I did not make the charges.

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 2018-02-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed another fraud and complaint to Equifax about violating my rights. I spoke to a supervisor on said date and advised them of my filing with the CFPB. Little to my findings, Equifax supervisor illegal changed my last name and email address to avoid actions from CFPB reference # XXXX. I found on XX/XX/XXXX by their helpdesk that my email was changed and also, my credit report was updated to reflect the continuing fraud activity of XXXX XXXX XXXX on XX/XX/XXXX and Equifax failed to notify me because, they illegally changed my name and email address to scam the CFPB and the Federal Trade Commission to advise that I never filed a complaint but the complaint reference with Equifax is Confirmation Number : XXXX filed on XX/XX/XXXX and to prove that they illegal changed my name here is the other confirmation numbers which they have ignored : Confirmation Number : XXXX on XX/XX/XXXX, and Confirmation Number : XXXX filed on XX/XX/XXXX. Today- I called Equifax approx. XXXX XXXX central standard time : Spoke to XXXX in the fraud department -- She Confirmed someone changed my information on XX/XX/XXXX at a time that no recorded information was obtained to support the changes not only, she said, " The complaint date was also changed to XX/XX/XXXX instead of the confirmed email dated XX/XX/XXXX after I made the contact complaint. -- Attached are the supporting documents of the unauthorized changes that was made to my Credit Report ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
This company, which I hold no contract with nor have received services from reported a collection account against my SSN in the amount of {$460.00} with XXXX and XXXX credit reporting agencies. I requested verification of the debt and account through U.S. mail on XX/XX/2018. However the business failed to provide adequate proof. Considering the business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
On XX/XX/2007 my ex-husband and I took out a small second mortgage on our home. The loan amount was somewhere around {$8000.00} with payments at {$110.00} per month. This was done with XXXX XXXX in XXXX, MI. During our divorce, my husband became responsible for the payments and this loan is currently reflecting as past due on my credit report, showing that {$4500.00} is still owed on the account. Based upon my calculations, 10 years and 6 months later we have paid out almost {$15000.00} for the loan. I feel we over paid dramatically and to still have an amount owing is ridiculous. I can not find the original loan paperwork, I have called XXXX XXXX to try to obtain the old loan information to no avail. I want this amount discharged completely and removed from my credit 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 2018-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PROFICIO FINANCIAL SERVICES, LLC
State: WA

Complaint narrative:
I have received a couple phone calls from a company named Proficio Financial services regarding a debt of {$500.00}, plus some additional fees. I am currently out of town, and intend to request proof of the validity of this debt as I have no record of owing this amount, nor does it show on my credit report. 

Today, XX/XX/2018, I received a call from them at XXXX but was unable to answer at that time. They then called again at XXXX and the representative claimed to know my grandmother, including using her correct name, and said they would call her to see if we were related, or I could return their call. 

I sent an email through their contact us page on their website stating that I will not be taking any of their calls at this point, all contact with me must be done by email, and that I am filing a complaint regarding their actions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
We are being billed for an " inspection '' of our property. We were never informed that an inspection took place nor have we seen any such report nor were we notified that any inspection was necessary. The fee was added on to our loan statement. We have been told he inspection was done XX/XX/XXXX and was due to the hurricane in XXXX XXXX where the property is located.. The amount is {$16.00}. We have asked for copies of the report and what company did this inspection. That information has not yet been provided. There was no flooding or damage to our property and this was totally unnecessary if in fact there ever was any inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CASH AMERICA INTERNATIONAL, INC.
State: OH

Complaint narrative:
XXXX Called me today claiming I owed a debt from 2007 from of all places as a pay day loan. I do not owe that debt and have never used those services. Total lies. Do not even pick up the phone if they call you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
The company reported a collection account for an account that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I have had a XXXX XXXX XXXX for years, according to XXXX since XXXX. 
Although my account has had varying credit limits, the company resolved higher credit limit accounts to {$500.00} ( including my XXXX credit card ) when the restructured about 5 years ago. 
Recently, I received a letter in the mail dated XX/XX/XXXX from XXXX which states that my credit limit was increased to {$800.00} effective immediately. 
I have NOT, however, seen the credit limit increase when I view my account online. 
I have contacted XXXX by e-mail regarding this issue, with a response that my credit limit was {$500.00} not {$800.00}. Today ( XX/XX/XXXX ) I spoke with a XXXX   representative ( XXXX ) who confirmed that my credit limit is {$500.00} and told me that the XX/XX/XXXX letter " must have been a mistake ''. 
I explained to XXXX ( the XXXX representative ) that I believe his response was incorrect and possibly illegal, because banks and other financial institutions are bound by strict financial laws. 
Despite my protest, my XXXX XXXX credit limit is {$500.00}. 
I would like my XXXX  XXXX credit limit to be officially increased to {$800.00} as indicated in the XX/XX/XXXX letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
I have a loan that was purchased from my original loan company by Amerihome. I signed up for automatic budget drafting ( twice monthly payments ). Amerihome sent me paperwork that my account was set up and ready to go. My first payment with debited from my account on XX/XX/XXXX as per the paperwork. Then WITHOUT ANY NOTICE, my automatic withdrawal was cancelled. The XX/XX/XXXX payment was not made as well as the XX/XX/XXXX payment. I called Amerihome and waited on hold for over 2 hours. The man who answered said someone would contact me within 48 hours. No one ever called. I called back and waited on hold for another hour and the person still could not answer why my account was cancelled. I had to call back again and wait on hold again. Payment was made in full at this time. 

I am still being charged late fees. 

Amerihome said I had to be paid a month in advance to do the budget drafting. No one can or will answer what happens to this extra payment. Is it applied to my principal? Are they just holding my money with no interest? I think this practice is extremely under handed and not above board. It is more so because no one will answer my question. 

Grand total, I have waited on hold with Amerihome for over 9 hours. I have sent 5 inquiries to their online/email and still do not have resolution or a response. 

I have filed a complaint with XXXX  to get my credit score fixed, as they dinged my credit for THEM cancelling a automatic debit that had been started. 

The customer service, training of the team, and response time is unacceptable and pathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.

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 2018-02-12 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX, and I need your help with one of my accounts that is not reporting on two of the credit  reporting agencies. I have attached the payment history showing my mortgage history and that I'm still paying on it. I have asked the bureaus to contact XXXX so that it can report but I don't know where the problem is. I was able to get the payment history directly for which I attached so I don't know why they aren't reporting. I know that XXXX does report to the bureaus. I just really need them to add this to my report at least for the last 2 years payments. Any help your company can provided would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
I have tried to request a loan modification and has been unsuccessful and now the loan is now in foreclosure.

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 2018-02-12 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.
State: MI

Complaint narrative:
I have previously filed a complaint and the answer that you didnt dispute it sooner is not acceptable. They are saying when the loans went to them they were {$9000.00} but that is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
In XX/XX/XXXX my sister passed away. She had a health care savings account. I am the Executor of the will. In XX/XX/XXXX I contacted Bank of America to notify them of her death and request release of funds. I was told to send a copy of the death certificate which was faxed to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter from Bank of America requesting additional documents which stated I needed to send 1. I immediately sent them another death certificate and the XXXX XXXX XXXX XXXX. This was sent on XX/XX/XXXX. On XXXX XXXX, XXXX XXXX and XX/XX/XXXX I sent the same information along with telephone calls. Telephone calls were also made on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I was told that they would have to send me a Beneficiary Designation Form which I informed them that she could not sign since she had died. I filled out the form and faxed it back to them on XX/XX/XXXX. On XX/XX/XXXX I received a letter saying they needed additional documents. I spoke with my attorney and the office of the Probate Courts and both told me that those documents are not necessary. They both informed me that they are just delaying payment. On XX/XX/XXXX I contacted Bank of America once again by telephone to resolve this to no avail. On XX/XX/XXXX I was informed that they did not have a death certificate and now they needed different forms. I called them again on XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. I can not get any resolve to this matter. There should be {$480.00} in this account but Bank of America keeps deducting monies from 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 2018-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
American education services keeps calling me regarding my brother, who apparently used me for a reference about 15 years ago. I do not even have a loan with these people! I have told them to stop calling, but they continue to do so almost every day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-12 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: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
GM Financial has reported me late for my lease payments on XX/XX/XXXX and XX/XX/XXXX. I called GM and spoke to a representative on XX/XX/XXXX and informed them they falsely reported me. The Rep told me I was reported late for ELECTRONIC Payments XX/XX/XXXX and XX/XX/XXXX, I told the Rep my credit report shows me late for only XXXX and XX/XX/XXXX only. I was told to fax proof of payment to GM, I faxed to the Customer Service Common department my electronic payment history of a 12 month period so I could show NO late payments were made since I incurred the lease. I also sent FULL balance bank statements showing all transactions on my account including the payment for both XXXX, XXXX, XXXX and XX/XX/XXXX. GM has not answered their phone line or responded to my fax. I have sent the fax a total of 15 times and still NO response from GM. I filed a dispute XX/XX/XXXX with all 3 credit reporting agencies and included the same 12 month payment history and full bank statements and my dispute was denied for XX/XX/XXXX payment. I need the late payments removed and GM to correct their side of me showing late for XXXX, XXXX, XXXX and XXXX. I have attached below COMPLETE bank statements reflecting my payments for every month so you can see no payments were missed.

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 2018-02-12 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 — Investigation took more than 30 days
Company: TCF NATIONAL BANK
State: NJ

Complaint narrative:
I have XXXX XXXXXXXX XXXX XXXX XXXX for my car payamnt. Due to my old age, i have a hard time seeing the numbers on my phone. I have recently gone through an error with my car payment. I was supposed to pay {$530.00} for my car payamet and due to my lack of vison i put in {$430.00} for my car payment. In doing so it has droped my credit score from being an XXXX credit score to XXXX credit score. In the docoumnet below as you can see that I have payed my payment in full every single year but due to one simple mistake it has cost me to lose my credit score from the XXXX mark to the XXXX mark. Sorry for the trouble and will not happen again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am the co-signer on my daughters loan, I sent a check for XXXX to pay-off the balance, the check was cashed on XX/XX/17 by XXXX XXXX ( which was bought out by Navient ). 
The check was never applied towards the loan. My daughter and I have spent several days/hours on the phone with no answers to where the check went. I have a bank statement that states it was cashed by XXXX XXXX but the Company ID belongs to Navient. This is very frustrating and upsetting that nothing is being done. Nobody at Navient seems to know what they are doing. Please help?

Company response to consumer: Closed with explanation