vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
SPS LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX We have an approval from SPS for the previous buyer ( issued on XX/XX/XXXX and good through XX/XX/XXXX ). This buyer backed out at the last minute and we submitted a new offer on XX/XX/XXXX to SPS. SPS had acknowledged receipt and has been telling us for the last TWO WEEKS that the offer is under review. Now, all of the sudden, they are refusing to work on the new offer claiming the auction date is too close. In previous conversations with SPS they stated the full package and offer must be submitted more than 37 days of the auction date ( XX/XX/XXXX ) so that there is time to review for the approval. Instead of reviewing the offer that was submitted more than 37 days prior to the auction date SPS is now making up new numbers and claiming the offer has to be in within 47 days. 



-- -- -- -- Our new offer was submitted WELL before the 37 days prior to this auction date and SPS is STILL REFUSING to review the new offer. Its not as if we were asking SPS to re-view completely new terms - the buyer can close very quickly as it is an all-cash offer AND the terms for the new buyer were exactly the same as the old buyer. 


-- -- -- -- When pressed on the date discrepancy between the 37-day rule and the new 38-day rule, SPS came up with a flimsy excuse, saying they wont review the new buyer because they were working on an extension for a previous buyer and were unaware that that buyer had walked during the extension review. I find this to be disingenuous at best because as soon as we knew about the new offer, we told SPS and provided them with another offer the same day. There was no hiding of any facts or deception by us in regards to the status of the buyer. 


-- -- -- -- ****Additionally it is important to note that the ONLY reason the extension was requested in the first place was due to the other THREE LIENS with the FTB and the IRS , on the property, which we have already started work on getting removed so that we can close as quickly as possible. In fact, the IRS has already issued their release, and the FTB is only days away from issuing their release letter. Both releases are at NO COST to SPS nor the homeowner.

-- -- -- -- Normally, SPS approval letters allow 45 days to close. SPS only  gave 30 days on this one. WHY???? Is it because he's XXXX? 


-- -- -- -- I want the new offer to be reviewed. There should be no issues or further delays, as the terms of the offer are the exact same as the ones SPS already approved. We may need a small extension to the approval letter itself, in order to obtain the THREE Lien Releases from the FTB and IRS there is nothing we can do about this-we cant make them disappear. ************* HOWEVER, we will close prior to the auction date of XX/XX/XXXX we just need an approval for this new buyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This complaint is about the elderly and disadvantaged being financially " XXXX '' by the financial card issuer/issuers. Please consider the following information applicable to my complaint. 

On or about XX/XX/XXXX, I received a surprising electronic delinquent account notice and, a late fee notice regarding XX/XX/XXXX. 

Thereafter, on or about XX/XX/XXXX, I called the company 's customer service center and scheduled a {$25.00} electronic payment for XX/XX/XXXX. 

And on XX/XX/XXXX, I logged into my account and attempted to schedule auto draft/bill pay arrangements to be ongoing until the debt is paid.

However the system would only allow me to schedule payments for four months out, XX/XX/XXXX, because I was a delinquent customer. 

When speaking with customer service staff on XX/XX/XXXX, I was told that at the end of XX/XX/XXXX, I would have to enroll electronically, into another auto pay program that the company has. 

I asked if the company auto responder would send me notification warnings about the four month period expiring. 

The customer service person informed me that company did not have an auto responder program for such activity. 

This brings us to the heart of my complaint as follows : 1. Are elderly people, who are on lots of medications and, have XXXX XXXX competent to keep up with this requirement via computer or, toll free number ( s )? 

2. Is it an unreasonable expectation that a XXXX XXXX company can not field an auto responder? 

3. Can it be that the company uses this form of financial " XXXX '' to boost profits from fees collected from the disenfranchised? 

Well, what do I want you to do about my complaint? 

My expectations are that you initiate an investigation into this company and, that you will also peer into the operation of other companies to discern if this is an industrywide practice.

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 2018-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Signature Bank (NY)
State: NY

Complaint narrative:
This complaint refers to a prior submission XXXX regarding the improper actions taken by Signature Bank in reference to two loans that we have with the bank secured by two cooperative apartments at XXXX XXXX  and XXXX at XXXX XXXX XXXX, XXXX XXXX, NY. I have submitted feedback on this complaint however I am not able to provide attachments on the feedback submission so I have formed this complaint to provide the attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: MA

Complaint narrative:
XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX XXXX, XXXX is now being reported again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: MA

Complaint narrative:
XXXX XXXX, XXXX was being reported on all 3 of my credit reports. On or about XX/XX/XXXXI disputed this item with all 3 credit reporting agency and on or about XX/XX/XXXX XXXX XXXX was deleted from all 3 credit reports. Now we are in XX/XX/XXXX, XXXX  XXXX, XXXX is now being reported again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: OR

Complaint narrative:
The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The following Inquiries I have tried with all three bureau 's to get them to take these off my report because I did not authorize these company 's to pull my credit. I asked them if they were not going to take these inquiries off my credit report then to send me documents show that I signed for these company 's to pull my report. I know for a fact they can not show me I signed for a credit pull because I don't even know half of who these people are. So far nothing has been done about them and it is damaging my chances of buying a home. I have great credit if it was not for this. I keep getting the problem has been resolved and it has not. 
Here is the list : XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry fromXX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX Inquiry from XX/XX/XXXX XXXX XXXX   XXXX, PA XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Inquiry from XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc.
State: DC

Complaint narrative:
United Collection Bureau has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
On my credit report, it shows my XXXX XXXX Account as a " Charge Off '' which significantly impacts credit report, and ability to get a new car. 

I have paid on time, everytime on this account. 

It even reflects that on the report, but the " Charge Off '' on the report results in automatic denial, and has put me in a difficult situation. 

Ally refuses to change this, through direct contact or credit report disputes. 

They have even transferred the debt to a shady collection company in XX/XX/XXXX and shut off access to my account on Ally.com, I've made the payments to this company and they're reflecting as paid but still the Charge Off remains.

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 2018-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: NC

Complaint narrative:
Contacted PMAB LLC today on XX/XX/2018 to dispute debt. Debt does not belong to me, nor did I ever receive notification in writing due to an address mismatch in a mistaken identity situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Wells Fargo has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Debt was paid to original creditor before debt should've been sent to the collector.They added the account to my credit report on XX/XX/2018 and I want it removed from all reporting agencies. Confirm with the original creditor XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cordoza & Wexler Recovery Services
State: CA

Complaint narrative:
Hello, On XX/XX/XXXX I took out a {$400.00} loan with XXXX XXXX. The debt was assumed by XXXX XXXX ultimately and I paid it off as of XX/XX/XXXX. I have all the documents from XXXX XXXX and XXXX XXXX to support this and have spoken with someone from XXXX XXXX today who verified this. However, I have received a call from attorneys Cordoza and Wexler who say that I still have an outstanding account with XXXX XXXX and they would like to serve me with a court order! This is absurd as I have paid off the account and have proof. The person I spoke with stated this is on my credit report. I have today downloaded all three credit reports as of today and there is NOTHING from XXXX or any outstanding creditor for that matter. I feel as though someone is trying to bilk me. I recently spoke with XXXX XXXX who assured me that I am not delinquent with them. I called XXXX XXXX   XXXX back and they told me I would need to clear this up in the courts. I have never been served and would never appear for a matter I am absolutely innocent of! I have the proof that I have taken care of this loan yet they respond aggressively and defensively. I have also asked XXXX XXXX to contact them directly. I have been informed by XXXX  XXXX they they are in no way involved with Cordoza and Wexler and have the transcript to prove it. I am attaching the e-mail from XXXX XXXX and the chat transcript with XXXX XXXX. i have all my credit reports here but for obvious reasons did not want to attach those.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: URS Holding, LLC
State: AZ

Complaint narrative:
I had a checking account with XXXX Bank. In XX/XX/XXXX there was fraud on the account for which we filed a police report. In late XX/XX/XXXX we went into the XXXX, AZ branch to notify them that fraud had occurred on the account. No action was taken at that point by XXXX XXXX. Since the no action was taken, the account remained open and an automatic draft went through placing the account in a negative balance for a few dollars. The amount of the reported fraud was more than the amount the account went negative. If the fraud had been processed the account would never have gone negative. Because of the negative balance, XXXX XXXX  added 6 overdraft fees ( NSF ) for a total of {$220.00}. 

In mid XX/XX/XXXX I receive a letter from XXXX XXXX stating the account was in negative balance. The same day XXXX received the letter I went to my local XXXX XXXX   branch to get this cleared up and provided them with a copy of the police report. I was told by the banker i spoke with that they would begin working on resolving it and that I would be contacted with further steps. I specifically asked the banker to confirm this would not be placed in collections until I was contacted. 

I did not hear back from XXXX XXXX until early XXXX when I received a letter stating the account was now in collections. At that point I have gone to my local branch to get this resolved but keep being run around in circles. I submitted a fraud claim with was denied without notification to me. I contacted XXXX XXXX again and the claim has been re-initiated, but I do not have confidence any action will be taken. 

I have asked repeatedly that this be taken out of collections given the previously explained information with no action from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX called my place of employment multiple times for XXXX XXXX for several different retail accounts - XXXX XXXX and XXXX XXXX XXXX. I informed them that this account had been discharged in a bankruptcy in XXXX and should have never been assigned to them for collection. XXXX XXXX XXXX is now reporting a NEW collection account opened on XX/XX/XXXX for {$1200.00}. This account was not collectible effective XX/XX/XXXX after the account was discharged in bankruptcy.

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 2018-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I attempted to purchase a concert ticket from someone using XXXX. This person asked me to send him {$250.00} on the XXXX app. He had an email account associated with XXXX so they should be able to track him. He then did not send me the ticket and ripped me off. I called my bank that was connected to XXXX to try to reverse the charge. Since XXXX has confirmed him as a customer, they should not allow him to commit these crimes of fraud. I would like to have charges filed against him.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC
State: FL

Complaint narrative:
Notified XXXX XXXX initially XX/XX/XXXX, filed necessary FTC report, Police report and dispute with CRA. Account was deleted from CRAs, however XX/XX/XXXX account transferred to another agency CONTRACT CALLERS INC, agency forward me back to XXXX XXXX due to account listed as fraud and information inconsistent with data reported by XXXX XXXX. 
Spoke with XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without resolution.As per XXXX XXXX supervisor, i was informed it was nothing that could be done and file a complaint. 
All 3 CRA had fraud/active duty alerts during this time account was open and XXXX XXXX failed to notify of fraudulent activity and even notify of account being opened.Neither the collection agency nor XXXX XXXX has offered a resolution regarding fraudulent account opened in my name. I am repeatedly hung up on or transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
I was forced into making a payment arrangement with M & T Bank when they knew my situation and they made it worse by returning my XXXX payment and making me enter into an agreement that they know I can't meet because I'm on a fixed income and I'm paid on the XX/XX/XXXX of every month. The arrangement they forced me into is a payment of {$490.00} on the XX/XX/XXXX of the month. I get paid on the XX/XX/XXXX of the month, how can I make payments on the XX/XX/XXXX? The original contract is for {$400.00} monthly. I should receive my lump sum check by XXXX or 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 2018-04-19 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX inaccurate XXXX  XXXX not mine XXXX  XXXX not mine XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} not mine XXXX XXXX   XXXX XXXX XX/XX/XXXX {$650.00} not mine XXXX XXXX XXXX  XXXX XX/XX/XXXX {$320.00} not mine XXXX XX/XX/XXXX {$9600.00} not mine XXXX XX/XX/XXXX {$5000.00} not mine XXXX XX/XX/XXXX {$3100.00} not mine XXXX XX/XX/XXXX {$160.00} not mine XXXX XXXX XX/XX/XXXX {$350.00} not mine XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} not mine XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00} not mine

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