vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
When I go online for the Free annual credit report, the security questions provided by Equifax do not apply. In other words, the selections they give does not apply to my history and I choose the answer NONE APPLY. This happens every time I try to get my annual credit report. It is too much of a hassle to go get a copy of my drivers license, pay for a stamp and drop off the post office when I 'm in a rural area. I should not have to keep going through this when I am entitled to my annual free credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I was asked about loans that I have no knowledge about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Contacted Equifax to update my balance and credit limit increases for XXXX credit cards. They filed a dispute and ask for proof of billing statements. They asked me to fax them info of this. They completed the dispute and removed credit limit and placed my balance at XXXX. I have contacted both creditors who showed me proof they submitted this information. XXXX XXXX and XXXX happily and easily updated required information however, Equifax refuses to budge not matter what evidence I present to them. They were even able to view reports from other agencies and refused again to do anything about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I submitted a dispute online on XXXX XXXX, 2016. As of XXXX XXXX, 2016, I had not received any proper notice of investigation results so I sent a letter to Equifax, certified mail, return receipt requested, informing them that it had been over 30 days and I had not received a response. I never received anything in response to my letter dated XXXX XXXX, 2016, which is attached for review. However, on XXXX XXXX, 2016 I received results where XXXX of my items were deleted accurately from my file however, the other XXXX listed were not deleted and continue to be inaccurate and should be removed as well. Upon calling the number listed ( XXXX ) on XXXX XXXX, 2016 and XXXX XXXX, 2016, speaking with five different representatives, many located out of the United States, I just could not receive the necessary and adequate help needed over the phone. The representatives appeared unknowledgeable regarding their own practices and policies at Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP
State: GA

Complaint narrative:
I am submitting this complaint due to me reaching out to Selene Finance on numerous occasions concerning all the different letters that I receive from this company concerning my mortgage. I have gotten at least XXXX different letters stating XXXX different amounts then on top of that I got certified with a letter of intent after we had signed modification papers on XXXX/XXXX/2017 along with the first payment in which you guys asked for it in the document. I have attached the documents that I have an issue with. The sad thing is I have spoke with at least XXXX different people who continue to tell me our information has n't been updated and to keep calling but you continue to send me papers dated for XXXX/XXXX/2017 and XXXX/XXXX/2017 but I called on the XXXX/XXXX/2017, XXXX/XXXX/2017 and XXXX/XXXX/2017 so you definitely should have been able to deal with my issues or questions concerning our mortgage issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
This XXXX XXXX account was paid in full via garnishment still reporting to the credit Bureau as a balnced owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: CORELOGIC INC
State: CT

Complaint narrative:
hello I am a XXXX veteran this company ran my report I never gave verbal and or written consent to authorize use and or to run my credit report and this is hurting my credit really bad and need your help removing it. I 've tried to call and talk to these company but never have any luck.

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 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Since XXXX2013 XXXX XXXX is not to be on my credit reports! All of the student loans went to XXXX XXXX XXXX and are closed and XXXX. I have been sending proof of this since XXXX2013 over and over and over at great expense. Nothing has changed except now it is like there is double the student loans. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX 's say " transferred to another office '' ( as if! XXXX is not their office, we know it is but technically it is not ). They also have " late payments '' AS IF! ALWAYS IN DEFERMENT UNTIL XXXX FINALLY GOT THEM AND XXXX, CLOSED. XXXX XXXX should not be on any of my credit reports. They are gone, forever. It makes it look like there are XXXX different student loans! All of the info XXXX XXXX puts on my credit reports is wrong, and has been wrong for years and years, but this is even worse since they are out of my life forever! None of the credit bureaus does a thing about it even after they have received the proof from XXXX XXXX XXXX at least XXXX. GET IT OFF! In addition, this XXXX co. has repeatedly put " opts out of offers '' NO I DID NOT, NOT EVER, I WOULD LIKE OFFERS. Since XXXX2013 have said get that off, they continue to put that on!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The Dispute Number XXXX is for an Equifax case file. 
I have a bankruptcy, XXXX tax liens and a judgment listed on my Equifax credit file as a result of a business closing in 2009. My XXXX file also lists the bankruptcy and XXXX tax liens. None of the issues are on my XXXX file. The issue is that my former employers business debts, and taxes were added to my personal credit file after the business closed in 2009. I have tried unsuccessfully since 2009 to have the errors corrected. The XXXX ( California Tax department ) and original judgment creator ( XXXX XXXX XXXX ) have tried numerous times to reverse the errors on my behalf. I have contacted Equifax and XXXX by phone, fax and mail, sent copies of my bankruptcy filing, and released tax liens, and the only responses from the bureaus was that the information was verified that it belonged to me. I can not dispute that the information belongs to me as it is associated with my social security number, even though the company that I worked for was a California Corporation. My dispute is that the debts were attached to me personally in error, forcing me to file bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
I would like to file a complaint against Quicken Loans, I completed a mortgage application that has not given me a refund of my " appraisal fee '' as I had previous appraisal that was used with their loan product. I was denied the loan almost two months ago and have not been able to get a response to get my {$400.00} fee refunded as Quicken Loans never conducted any appraisal or paid any third parties for an appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I got a loan in 2008 and I am still paying. I will never get this paid off. It was financed for 7 years and at the end of that I was told I still owed money. I have been paying on this car for 9 years!!!

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 2016-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; Please help and intervene and take over this process. SPS has placed my mortgage resolution in to a cookie cutting process that does not appear to be sensitive to my unique circumstances. The fraud in XXXX mortgage origination and XXXX modification. 

Origination : XXXX did not disclose that the mortgage was not economic ; The P & I is less than the taxes. Who buys a house to pay taxes? A home is purchased as an investment and not expense. 

I was given XXXX mortgage to conceal the true leverage for XXXX. I thought one was a credit card. 

Modification The XXXX XXXX XXXX modification did not provide a reduction in principal and interest. 

The P & I after modification was higher that at the origination. 

The modification did not provide a principal reduction. 

I purchased a home at XXXX XXXX XXXX in XXXX XXXX. I was returning back to the US after servicing my country not in the military but as XXXX XXXX XXXX XXXX XXXX XXXX XXXX based in XXXX XXXX. 

I invested my life savings of {$200000.00} on the home. Today I am exploring foreclosure options with Select Portfolio Servicing due to a major cardio arrest in XXXX. XXXX. 

I believe that I was defrauded by XXXX at the time of my mortgage origination. 



An uneconomic and irrational payment structure. 
My mortgage principal and interest is less than my monthly property taxes and insurance. 
After a modification my monthly mortgage payments are higher than my original payments. This was a negative Home Affordable Mortgage Program experience. 
My Principal Balance today, XXXX, after 16 years is higher than it was in XXXX. 

Reccomendation Please conduct and audit and analysis of my mortgage modification and complete history with XXXX, XXXX and SPS. 

Please assist me in receiving a debt " cram down '' valuation base of my history for the mortgages. For example, my total payment from XXXX to XXXX approximates my original principal debt or {$990000.00} in payments vs. XXXX in original 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 2015-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I am the owner of XXXX XXXX XXXX, XXXX, NC XXXX. 
I bought the property in XXXX and paid as agreed until the endof XXXX. Due to personal and economic problems, I could notkeep up with payments to Select Portfolio Servicing XXXX XXXX XXXX. Both Deed of Trust were obtained at the timeof my purchase. These Companies are the current servicingcompanies that this complaint is all about. 
I gave up with XXXX XXXX even though they are chargingme a current rate of 12.5 % interest. They are impossible totalk to on the phone. Harassment is the only descriptionthat can define this company. I have gotten well over XXXXcalls, even on Sundays per year. It should show in their records. 
I had worked with SELECT PORFOLIO SERVICING to obtain anadjustment of the current interest rate of 8.5 % but I wasnever able to get a positive response. I decided to ask for aDeed In Lieu due to the fact that SPS has gotten appraisalsand XXXX to find the current market value, I bought the property at {$85000.00}. Today it is reported that is worth no more than {$40000.00}. Since I stopped payments, interest and penalties has adadded up to over {$96000.00}! 
After months of paperwork, In XXXX XXXX, I was told by SPSthat the STATUS of my account was at a Title search stage. 
Every single conversation with SPS has my permission to berecorded. Within days from that phone call, I received a letterfrom SPS denying my request for a Deed In Lieu due to lack ofsent by me. Since then I have copies of faxes sent to SPSshowing information as per request, yet I receive letters almostdaily, from SPS. My stack of papers is now over XXXX inches thick. 
I have been to court XXXX already for a foreclosure hearing. 
XXXX it has been reschedule because I showed the courtpapers to prove my case for the Deed In Lieu. Next courtdate if XXXX XXXX, XXXX. I have proof that SPS is very wellaware of this date. 
I do not know what else I can do to make SPS to have theunderwriter do his/her job and finish what was startedover a year ago. 
I just send a package to multiple parties asking for help toresolve this situation. 
NOTE - The home is not in bad condition. It can easily beupgraded for very low investment and it must appraise ata value of at least {$70000.00}! I know, I am able to get CMAwhich is a Comprehensive Market Value from the MultipleListing Service that REALTORS use. 
SPS is practicing business in an incompetent manner. 
This situation could have been completed to the satisfactionof the Investor holding the Deed of Trust and SPS. 
A family could be living in this house for a very low price andall parties could have saved time, money and aggravation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
Dealing with a mortgage servicer with a loan modfication that was approved, however, at a much higher monthly payment then the original loan. Due to severe hardship with hurricane XXXX and losing employment, put fourth application for loan modification, which the servicer took a year to process almost to the date, and the new loan is setting us up for failure.

Company response to consumer: Closed
Consumer complaint received 2017-01-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO

Complaint narrative:
Mortgage loan ( first lien ) has been serviced by XXXX and XXXX XXXX XXXX since XXXX of XXXX. 
I have never missed a payment nor been late one time! XXXX service released the loan to Select Portfolio Servicing ( SPS ) in XXXX of XXXX. Now SPS charges {$15.00} per transaction to collect my payment online or by phone!!!!!! Is there any regulation prohibiting these exorbitant fees? No lender/servicer is charging these fees. I pay XXXX mortgage loans that are serviced by XXXX, XXXX, XXXX, and XXXX. NO ONE COLLECTS fees when the payments are mode online or by phone! Please help me. {$15.00} extra is a burden for me. Thank you. XXXX XXXX XXXX XXXXXXXXXXXX SPS : www.spservicing.com XXXX XXXX XXXX, XXXX XXXX XXXX, Utah 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 2016-07-01 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I have a conventional loan with Nationstar mortgage. I 'm selling my house and need a payoff quote for XX/XX/XXXX. They continue to send me payoff amounts for XX/XX/XXXX insisting they are incapable of calculating the amount for today. They tried to tell me I can calculate the amount myself and send it to them, or send their amount and request a refund. I explained I do n't want to and them {$600.00} extra and wait 4-6 weeks for a refund. They continue to insist their system can not calculate this amount. Totally unacceptable service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
In XXXX, I began the mortgage application process with Quicken Loans.  The prequalification process went smoothly. It took some time to secure a contract that put us under a time constraint.  Before we committed to the contract, we wanted to be sure it was feasible to close.  I submitted a written request to expedite which was approved.  Not only did they assure me it could be done, they assured my agent, the listing agent and the seller's lender it could be done.  The city where I was purchasing had a natural disaster.  From experience, I knew that re-inspection requirements could impede the appraisal process.  I brought up my concerns but I was assured there would not be a problem.  Ultimately, it did create a problem. I received an email from the agents indicating the appraisal had been assigned and it looked like we wouldn't be able to close.   The appraiser could not even inspect the property until the day before the scheduled closing.  I immediately tried to address the issue.  A company as large as Quicken should have the ability to find a way to honor their commitment.    I requested escalation but ended up being referred back to the processor.  I did not get my concerns responded to by another party until after the transaction was no longer viable.  There were also some other concerns that I had with the process:
1) I was not able to view my GFE before paying a XXXX commitment fee
2) Reluctantly, I did pay it.  However, I was not able to review my GFE before being asked to sign documents.  The GFE was towards the back of the package.  I would not sign until I was able to view it.  When I did I found that I was paying points for the rate that I locked.
3) When I locked my rate, I was not told the cost of that rate.  When I saw it on the GFE, I complained and my concerns were given to the originator's manager and addressed.
4) There is not a sufficient complaint resolution process.  Each time I tried to escalate my concerns about the appraisal, I was referred back to my processor.  The origination group could not provide assistance in that area.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
After noticing several invalid charges in a XXXX XXXX, XXXX statement, I sent Select Portfolio Servicing, Inc. ( " SPS '' ) a Qualified Written Request ( " QWR '' ) challenging {$670.00} in insurance charges and {$660.00} in eviction charges. Since I have never let my homeowners insurance lapse and have not been evicted, these charges were obviously wrong. 
In response to my QWR, SPS removed over {$5000.00} in forced placed insurance charges and {$660.00} in evictions charges. SPS ' excuse for charging me over {$5000.00} of forced placed insurance was a rescinded foreclosure sale in XXXX of XXXX. 
However, the unlawful sale was rescinded almost immediately and my homeowners insurance was still in place. SPS gave absolutely no valid reason for charging me Eviction Fees and Costs in XXXX XXXX other than " because we can '', and the charges were clearly removed because of my QWR. SPS failed to provide any details for the charges or to identify who provided the " service '' for which I was charged.

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 2015-08-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
This is the XXXX complaint against NationStar the continuously reply back extending the time to get back with me. Now I am finding that since XX/XX/XXXX when I purchase my home and later XX/XX/XXXX Nationstar bought the loan no one recorded my deed of trust nor did they record my Modification nor did they tell me that I had a second lien, after several times asking. it appears the modification was never recorded and the original deeds still remain. Since I have this XXXX, w hat happen if I foreclose or short sell. They also told my Realtor the same story I only have ( 1 ) lien with them. Later I 'm thru HAMP and HUD is taking part of my loan so yes I do have a ( XXXX ) lien. Please help, I do not want the home and trying to short sell, but I am afraid of being sued. I have medical bills, divorced and the house was damage XXXX XXXX and insurance only paid a fraction of the damages.

Company response to consumer: Closed with explanation