vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
Hello! My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX XXXX utah XXXX. My phone number Is XXXX. 
I tried contacting my mortgage company Monday, Tuesday and today! They will only defer my XXXX mortgage which is XXXX till XXXX but pay them both both in full XX/XX/XXXX which would be {$4000.00}, that doesn't help at all! I want to pay it. I'm just not working this week or probably the next 2! I was just hoping they would put it at the end of my loan and no help. My daycare Is still charging me everyday even though my kids aren't attending which is {$310.00} every week! I am seriously stressed  and freaking out. Please if anything just return my message. Please and thank you!!!! 
CMC Funding Inc is my mortgage company Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
The complaint is with credit company XXXX  XXXX  and ginnys I was on a hardship payment program due to XXXX the acco3has been put on credit bureau as a charge off i notified the company just completed XXXX   XXXX and they said that the hardship had been cancelled if they needed to follow up with doctor they could have done so didn't receive any notifications that the hardship program stopped and notifications of a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: IMMEDIATE RECOVERY GROUP, INC
State: FL

Complaint narrative:
I have contacted lenders numerous years ago informing them that I was XXXX and going through social security for SSI benefits, Supplement Security Income. I am XXXX   XXXX and was expecting a payment which I was owed from XXXX XXXX in a lawsuit that was stolen from my family and myself. I have limited income and we desperately needed the funds to assist with additional expenses do to the Coronavirus. We had been eagerly waiting on the money and I was blown away to find out that the funds were taken by this company Immediate Credit Recovery Incorporated. I  never heard of the company and  never received any contact from them but if I had, I would have sent them the paperwork stating I am XXXX  XXXX. I thought the loans had been discharged because of my XXXX. I am asking for this company to refund the money that was taken as we are in desperate need of it.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
I recently filed another complaint against PHH/Ocwen mortgage company. XXXX. The company has initiated foreclosure proceedings against my home even though I have made all of my payments as agreed in the modification I signed in XXXX of XXXX. At the same time that I signed the modification agreement I also signed an agreement to assume the mortgage that was originally in my late husbands name. Both documents, the modification and assumption agreement were sent together in XXXX of XXXX. I returned both documents in the envelope provided from XXXX by which they were delivered to me. I sent in my first payment according to the modification agreement that same month, XX/XX/XXXX. 
In XX/XX/XXXX I received a foreclosure notice stating that no payments have been received since XXXX of XXXX. The companys response to my previous complaint states that no payments have been received since XXXX of XXXX ( discrepancy on their part ) and the assumption agreement was never received. I am providing the notarized signature page of the assumption agreement ( document is named in lower left corner ) which was sent in the same envelope as the modification agreement that they do acknowledge receiving. I am also attaching the cashiers check stubs that clearly show payment to PHH mortgage. With the stubs I am also including the signature cards that show these checks were received by PHH. Finally I am attaching the shipping receipt from XXXX for the envelope sent last XXXX containing the modification and assumption agreements. 

This is part of the company response to my previous complaint : Account records indicate that we are still awaiting receipt of the assumption package and a modification can not be completed, and the account will still be in Mr. XXXX name until it is completed. As no payments have been received after XX/XX/XXXX, the status of the account is accurately reflecting as in default and the notice of default was properly sent. In addition, as the account was delinquent, any late fees assessed on the account are proper and as we are obligated to service the account in accordance with the note these fees will not be waived. I have attached the Payment Reconciliation history for review. The account is currently in foreclosure which is on hold due to this dispute. 

I would like to know what has been done with all of the payments I have sent since XXXX of XXXX. These payments need to be immediately applied to my account or returned to me. 
Something needs to be done besides just forwarding this complaint to the company. They need to be investigated and these types of practices need to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I contacted PayPal after the website I purchased from didnt match the sellers information on the PayPal sellers info. When I clicked on the sellers information on the PayPal transaction site, the links given by the seller as their info were invalid. I advised PayPal that based on the website info not matching the PayPal sellers info and PayPal sellers info being invalid links that PayPal failed to fulfill their due diligence under BSA-AML regulations. PayPal denied my dispute and I have been unable to retract my monies. The fraudulent information and PayPals standing by the fraud and their failure to know their customer points to PayPal being complicit in defrauding buyers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal case : Dispute Case ID : XXXX Transaction Amount : {$200.00} USD Dispute Amount : {$200.00} USD Transaction ID : XXXX Transaction Date : XX/XX/2020 2020

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-19 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 — Was not notified of investigation status or results
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Hows it possible that youve reported me 90-150 days late with no late payments prior to that? I was never late on this account. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I submitted a complaint and Equifax accused me a of being a credit repair company, as stated before I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
as previously notified, I am a victim of identity theft

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 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CAVALRY INVESTMENTS, LLC
State: NM

Complaint narrative:
I received a court summons today for a debt in an amount I do not feel that I owe. The summons is from XXXX XXXX/Cavalry SPC. Late this evening, I was quite shocked when someone came to my door unannounced to serve these papers -- especially considering the current Coronavirus pandemic we are experiencing. The amount the summons is stating is much more than I remember accruing. Also, no one had contacted me regarding this debt prior to the man arriving unannounced. I am asking for XXXX XXXX/Cavalry to please validate this debt, starting with the original charge on the card. If unable to validate the debt, I respectfully ask them to remove this from my credit report and please dismiss the case in New Mexico court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I created an account to monitor my credit and was surprised to see a collection from XXXX XXXX reporting. Being the only negative factor on my credit, this has dropped my score significantly. This collection of {$500.00} was paid in good faith by year XXXX with the acknowledgement/intent that the collection would be deleted from reporting to the credit bureaus in exchange for payment. Due to inaccurate, misleading and deceptive collection tactics, this collection needs to be removed from my credit due to erroneous collection practices. 

I contacted XXXX XXXX two times, one in XXXX and another one this year ( XXXX ) to find a deletion letter from them, and both times I have been denied that letter because, according to their policies, they do not issue that type of letters and I do know they do. I consider this situation unfair and harmful to my credit and to myself because this was not the original commitment between XXXX and myself and, other than this unfortunate situation my overall credit history is exemplary.

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 2020-03-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
CapitalOne 's current policy is to consider a payment late and to charge a late fee if a payment is not received by XXXX eastern standard time. Several times I have gone to make a payment a few minutes after XXXX local time ( Pacific standard time ) only to see that a late fee has already been applied to my account and the Capital one will not post my payment until the following day. Even though I am making my payment on my due date I still occur a late fee. By not accepting payments after XXXX local time it creates a hardship for those of use who have to make a payment after work or need to run to the ban before making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-03-19 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: NV

Complaint narrative:
These are not my accounts and I did not authorize these credit inquiries. Additionally, there are some addresses on my report that aren't mine or I have not lived there.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 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: NV

Complaint narrative:
These are not my accounts and I did not authorize these credit inquiries. Additionally, there are some addresses on my report that aren't mine or I have not lived there.

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 2020-03-19 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
These are not my accounts and I did not authorize these credit inquiries. Additionally, there are some addresses on my report that aren't mine or I have not lived there.

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 2020-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
I received a court summons today for a debt in an amount I do not feel that I owe. The summons is from Synchrony Bank/XXXX XXXX. Late this evening, I was quite shocked when someone came to my door unannounced to serve these papers -- especially considering the current Coronavirus pandemic we are experiencing. The amount the summons is stating is much more than I remember accruing. Also, no one had contacted me regarding this debt prior to the man arriving unannounced. I am asking for Synchrony Bank/XXXX to please validate this debt, starting with the original charge on the card. If unable to validate the debt, I respectfully ask them to remove this from my credit report and please dismiss the case in New Mexico court.

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 2020-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
Company : PayPal. On this.website, I reported a problem with a product that I wasn't satisfied with and wanted a complete refund of {$50.00} because the seller half-assed and didn't follow any of the instructions that I have given them. The case was won in the seller 's favor because I.was n't able to submit evidence right away but now i have proof that this.seller is a.scammer as she traced most of it, didn't give credit to the original artist she traced, and not only.that has the nerve to lowball me. Just so it's clear, my PayPal email isn't the same, please email me by my new current one for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: NY

Complaint narrative:
I CONTACTED IQ DATA TO SETTLE DEBT.I PAID EXPECTED AMOUNT. CREDIT CARD WAS OVERCHARGED. I REPORTED TO THE BANK AND TO IQ DATA. I WAS INFORMED THAT THE SETTLEMENT AMOUNT IS HIGHER, THAT I CAN EITHER PAY WHAT THEY WANT OR THEY WILL JUST REMOVE THE AMOUNT I PAID FROM THE TOTAL DEBT AND NOT ACCEPT THE SETTLEMENT AGREEMENT. THERE WAS NO WAY TO DISCUSS WITHOUT BEING YELLED AT. THE MANAGER THREATENED TO CANCEL PAYMENT, CANCEL SETTLEMENT AND RUIN MY CREDIT SCORE. 
I NOTICED THAT MY OUTSTANDING DEBT WAS REDUCED BUT NOT CLEARED. THE STATEMENT I RECEIVED UPON PAYMENT INDICATES SETTLEMENT. 
I NEED HELP WITH CORRECTING MY CREDIT SCORE AFTER PAYING SETTLED AMOUNT AS THE ATTACHED PAPERWORK CONFIRMS.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
i called citi bank collection dept today XXXX XXXX and asked for assistance from them regardin monthly payments for my two credit cardss specifically during this time that i am suffering from income disruption brought about by this public health issue triggered by this corona virus. I am asking for payment suspension for 90 days while this public health issue is ongoing. They refused to grant me this assistance instead they keep on telling me that there is nothing they can do to help me and that if i miss my payments my account will charged off and wil go to a collection company. I just feel that Citi bank should consider the current hardship their consumers are suffering from because this current public health issue is totally unexpected and therefore consumers will have difficulty making their monthly payments. I am complaining about how this Citi bank is not giving any consideration to the problems their consumers are suffering from specifically income disruption brought about this public health issue.

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