vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: S & S Recovery, Inc.
State: MO

Complaint narrative:
They called again today XX/XX/2018. Twice. After they called more than 3 times yesterday. Lied saying they were not a collection agency, But when I called the number back the automated greeting was XXXX XXXX XXXX XXXX.  They were rude and harassing. and I intend to look more into the legal laws about the calls. 1 man I spoke to even suggested they had gotten people fired for their the way they were talked to, and processed to threaten about finding the owners and contacting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
XX/XX/2018- now. {$16000.00}. This company keeps trying to steer me into forbearance before letting me know about any other payment options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PR

Complaint narrative:
Since last week ( Friday, XX/XX/2018 ), XXXX XXXX XXXX had called me and my husband to collect a debt from a XXXX Credit Card. Yesterday ( Thursday, XX/XX/2018 ) they have contacted my husband via his phone number and threatened to sue me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
Ocwen Loan Servicing has been contacted several times to drop the Private Mortgage Insurance on a loan. The loan to value is far below the 78 % and the payments are made by electronic transfer. They sent one letter back that said they will send another letter stating that they will drop the PMI. This was two months ago and they are still charging PMI on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: NC

Complaint narrative:
I am attaching a letter that my husband and I sent to Equifax and XXXX   on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to Equifax and XXXX  a couple weeks ago, and those letters have also been ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Northstar Location Services, LLC
State: AZ

Complaint narrative:
On XX/XX/2018 at XXXX we received a call ( XXXX ) with a message for an XXXX XXXX XXXX to contact Northstar Location ( XXXX ). I called the number and spoke to an operator ( XXXX XXXX ). I stated to him that we have received this call multiple times and are trying to get the calls to stop. I explained that the message from the call gives the option to connect to the operator but when the option is pressed the call hangs up. He stated that he will " investigate '' this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: IL

Complaint narrative:
My name is XXXX XXXX. I fell behind on my mortgage payments when the father of my XXXX children left us. I was left to pay my mortgage and bills but with just my income alone was unaffordable. When I finally landed a well-paying job, Fay servicing approved me for a modification with trial payments of {$1800.00} but they were also requesting {$58000.00} as a " grace payment '' due 3 weeks before the first trial payment. I simply could not afford such a large payment within 4 weeks. I asked around for loans, but I was turned down because my credit  reflected that I was delinquent on my mortgage, so I asked Fay Servicing if I was eligible for a short sale. Meanwhile I sought out a broker, my home was placed for auction for XX/XX/2018. I was so distraught I filed an emergency Ch.XXXX prose bankruptcy on XX/XX/2018. I had never filed nor had money to pay a lawyer, but I was assured at the time of filing that my bankruptcy forms were correct and accepted and I was given a Notice of Filing Form to send to my debtors. I had it faxed over to Fay Servicing and the foreclosing attorney the next morning. A third party of mine called and confirmed they received my paper work but on XX/XX/2018, I had a notice on my door stating that my home sold and to call the number on the notice! I called, no one answered so I left a voicemail for them to call me back. I called Fay servicing right after to ask what was going on. I was assured by a Mrs. XXXX from the bankruptcy department at Fay Servicing that no foreclosure was held due to the bankruptcy. I asked about the short sale option and was advised by XXXX XXXX at Fay Servicing in order to be reviewed for short sale eligibility, I had to renew my homeowner insurance policy. I went XXXX to take care of it right away and faxed over the insurance policy on XX/XX/2018. On XX/XX/18 I spoke to XXXX  ID # : XXXX confirmed that the insurance policy was received, and he also assured me that my FORECLOSURE WAS SUSPENDED. I faxed over the RMA packet XX/XX/2018 and I called to let Fay Servicing know I sent it. When I called for an update on XX/XX/2018, I was told my house did sell XX/XX/2018 so I called the foreclosing attorney, and it was confirmed that the sale did go through XX/XX/2018! I asked how was it possible if I was protected with the automatic stay due to the bankruptcy and automatic stay generally goes into effect when the case is filed. If you filed a prior bankruptcy case that was pending in the one year period before the present case, the automatic stay will last only 30 days unless you ask the court to extend it. I had NEVER filed before so why did they approve the sale? Now I am being told that I do not qualify for anything anymore. Please help me! To this complaint I have attached all the supporting documents. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Knight Adjustment Bureau
State: WI

Complaint narrative:
I was not the one who got and accout with them someone had my info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: NC

Complaint narrative:
I am attaching a letter that my husband and I sent to XXXX and Experian on XX/XX/2018. With this letter, we requested that errors that appeared on our credit reports be investigated. The credit bureaus are supposed to conduct investigations and respond within 30 days. My husband, XXXX, received his responses weeks ago. However, I have yet to receive MY investigation results. I have also sent follow-up letters to XXXX and Experian a couple weeks ago, and those letters have also been ignored.

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 2018-09-28 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: TN

Complaint narrative:
I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you

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 2018-09-28 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: TN

Complaint narrative:
I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 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: TN

Complaint narrative:
I had financed a car through XXXX. They never reported it to the credit agencies. I have a complete payment history showing that I have never been late and always paid more than the minimum payment. I have tried contacting each of the agencies but I am never able to get anywhere with them and can not dispute the inaccuracies online. Please help me. I have had this loan for a year and a half and my score should be through the roof by now, but I am unable to get this taken care of to make it show on my CR. I am currently trying to refinance through my local CU but my score isn't as high as it should be and I'm afraid it will have adverse reactions on myself getting the loan. Thank you

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 2018-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Tesani Management Inc
State: WI

Complaint narrative:
I was not the one who got and accout with them someone had my info

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted Transunion several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Trans Union several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity theft report XXXX, I've called Trans Union and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following account is what is being reported : XXXX/XXXX  account 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 2018-09-28 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
This account was paid in full of XX/XX/2017. I called the representative to verify and they stated that i was never delinquent or missed payments. The account is in good standings. The representative said they will have all credit bureaus remove negative items but nothing has happened

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 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
Since last week ( Friday, XX/XX/2018 ), XXXX XXXX XXXX  had called me and my husband to collect a debt from a Walmart Credit Card. Yesterday ( Thursday, XX/XX/2018 ) they have contacted my husband via his phone number and threatened to sue 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 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
XXXX XXXX ( case # XXXX that was the first claim against Ocwen. Now they offer a loan Modification & haven't heard from them their letter dated XX/XX/2018 is attached when I'll be faxing this to you.I 'm demanding some answers from them but they play the same game as the last time asking for more Documents I've sent them in three times no reply. I'm asking can you put some fire at them I've already had a lawsuit at them but it seems the judges went against me. I've represented my self in this matter with all other cases that were filed against Owcen. Their are son many cases against them in other states but it seems NY has good well scripted Attys that they overlook the truth. The mortgage is XXXX the house is only worth XXXX thank you I'll be faxing the papers to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am reporting a Regulation X dual tracking violation. 

XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. 
The mortgage is represented by XXXX XXXX XXXX ; the account # XXXX and managed by Select Portfolio Servicing ( SPS ). A loan modification was initiated in XX/XX/XXXX. 

SPS took so long with Loan Modification that instead it was decided that the property be sold. In XX/XX/XXXX I listed the property for sale and after several contracts my realtor was able to find an all cash buyer. 

SPS ordered the 1st appraisal they have been holding up the file for so long that SPS had to obtain another appraisal. I learned that the property diminished over {$200000.00} while SPS was " reviewing my file. 

Meantime while I am working on selling the property for close to the appraised value SPS files for foreclosure with the house to be sold a Sheriff Sale XX/XX/XXXX. 

I have an all cash buyer and every document requested has been submitted by me and my Realtor. 

Selling the property is important to me and my family as the Short Sale will have less of an impact. 

Since XX/XX/XXXX SPS has had all documents requested. For the month of XX/XX/XXXX they had my Realtor change things back and forth on the HUD-1 then only to have her change things back to the way it was prepared XX/XX/XXXX! It is Now XX/XX/XXXX and they are still creating what I feel is a false delay using changes to the HUD-1 to hold up the Approval so the property can be sold instead of lost to Foreclosure Sheriff Sale in XX/XX/XXXX. 

SPS should not be moving to Sheriff Sale while we are working on the Short Sale closing date. I wrote to the State of NJ Foreclosure division but was told there was nothing that could be done. 

Please advise.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
COLLECTOR INGNORED CEASE AND DESIST AND DON'T CALL ORDERS ... AND NOW IS REPORTING ON CHEXSYSYTEMS, XXXX AND OTHERS IN VIOLATION OD THE DODD FRANK ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following account that are reporting is : XXXX/XXXX account XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect

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 2018-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN

Complaint narrative:
COLLECTOR INGNORED CEASE AND DESIST AND DON'T CALL ORDERS ... AND NOW IS REPORTING ON CHEXSYSYTEMS, XXXX AND OTHERS IN VIOLATION OD THE DODD FRANK ACT.

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 2018-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
My husband and I consolidated our student loans, and in 15 years, we have never had a late payment, or struggled to make our payments. Sallie Mae sold our student loans to Navient, and after making a late payment one time, in XX/XX/2018, because I believed I made a payment, but forgot, Navient increased our interest rate an entire percentage point. I paid the student loan payment as soon as I was notified by Navient that the payment was late, and they still raised our interest rate. I called, and spoke to a representative who informed me she would submit a request to have the interest rate hike removed from the account, but it was not removed, though our conversation led me to believe it would be. When I called Navient back to question, they said our lower interest rate was a borrower incentive that had been removed, and that the 'processing department ' denied the request to add the incentive, and they would leave our interest rate higher by a full percentage point as a result of one late payment. It saddens me that after 15 years of almost always paying our payment early, one late payment would result in an interest rate hike of 1 %, with no grace on the part of the company. This is why Americans have so little faith in banks and lending companies like Navient.

Company response to consumer: Closed with explanation