vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
PLEASE NOTE THIS IN CORRECTION TO Complaint Number XXXX previously filed. Wrong Contract and Purchase Price was originally Uploaded. 

I have been attempting to complete a loan modification for over 3 years. SN Servicing unwillingness to work with me forced me to file a Chapter XXXX bankruptcy ; which I am currently in. However, I also have submitted to SN Servicing to  complete a short sale of my home in XX/XX/2019. I received a fair offer of {$150000.00} which was the amount of SN Servicing BPO of my home value. The offer was reviewed and counter at {$230000.00} which was decided in XX/XX/2019. Since this time period I/we have been attempting to negotiate a reasonable purchase price ; however, the communication and response from XXXX XXXX has went silent and they are now only requesting to have the bankruptcy stay released to pursue foreclosure proceedings. I now have a ratified contract confirming a {$230000.00} purchase price subject to home appraisal. I am requesting assistance with XXXX XXXX to accept the short sale offer at a fair and reasonable priced based on market analysis of home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
THE ACCOUNT FOR XXXX XXXX XXXX STILL REMAINS ON MY CREDIT REPORT. THE ACCOUNT NUMBER IS : XXXX. THIS ACCOUNT MANAGED TO GET REMOVED OFF OF XXXX, YET EXPERIAN NOR XXXX HAS DONE ANYTHING ABOUT THIS MATTER. I KNOW THAT I HAVE EVERY RIGHT TO DISPUTE ANY NEGATIVE INFO ON MY CREDIT REPORTS AS PER MY KNOWLEDGE.AS PER THE FCRA, ACCOUNTS ARE SUPPOSED TO GET REMOVED AS LONG AS THEY'RE NOT VERIFIABLE, ACCURATE, NOR COMPLETE.

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 2020-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
We were buying a new XXXX XXXX from XXXX XXXX in XXXX XXXX IL on XX/XX/2019. 
We paid {$2500.00} by credit card and {$15000.00} in check and did a {$20000.00} joint loan by my wife and me. We both provided our social and driver licenses at the loan application, the finance manager XXXX showed our pulled summary credit reports. And we were told the loan is approved. 

Then on XX/XX/XXXX, XXXX Honda/XXXX/Sales person is asking me for a copy of my wife 's social security card/visa which I declined to provide since the loan is already approved. More importantly, my wife and I have all provided the same information and we are in the same immigration status. They only specifically ask her documents. I think Honda/Honda Financial is discriminating against wife either by her gender or age which is against the lending law/consumer protection law. 

And on XX/XX/XXXX, the financial manager XXXX left me a voice mail ( which I could provide if needed ) threatening me to have to provide the documentation by end of day or I have to bring the card back. I think the lending practice by honda financial is fundamentally based on harassing which is totally wrong. They should be punished by this kind of wrong doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Greetings. We can furnish dates and/or documentation for all of the following events. 
Our Mortgage Servicer, Ocwen, transferred our loan PHH ( aka, XXXX ), their subsidiary, in XXXX. Communication was an issue with Ocwen, and with PHH its much worse. We received several letters from Ocwen in XXXX stating that the {$5000.00} HAMP incentive would be applied to us around XXXX XXXX for keeping our mortgage 90 days current or better. We attached a copy of XXXX letter. We thought this was late to apply but we were ok with it. In XXXX we fell 2 or possibly 3 payments behind and around XXXX asked for hardship assistance, After sending all requested documents 3 times, in XXXX PHH still demands more. 
After being told in XXXX XXXX by the Servicer Rep on a phone call that our account was only 1 month behind, we had satisfied the Incentive requirements. We verified this online. 
However, in XXXX, we received a Recast Offer letter, and the table provided in it states that we will pay {$13000.00} MORE in interest if we recast our loan beginning in XXXX, with the {$5000.00} Incentive. Our payments would be lower, but our interest wouldnt. 
We researched a little. In the makinghomeaffordable.gov site, it is shown that we could earn up to {$10000.00} in principal reduction after 6 years by keeping payments current. IN XXXX, and theXXXX it is stated that Recasting will actually LOWER our total interest paid over the life of the loan. We would definitely prefer to lower our interest paid, even if it does not lower our monthly payments. We emailed all this to PHH on XXXX and on XX/XX/XXXX they replied that their offer was final. 
In fact, for years we have been paying up to {$75.00} extra in our monthly payments to get ahead of the interest curb and We have proof. 
Also, our minimum monthly payment increased this year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
THE ACCOUNT FOR XXXX XXXX XXXX STILL REMAINS ON MY CREDIT REPORT. THE ACCOUNT NUMBER IS : XXXX. THIS ACCOUNT MANAGED TO GET REMOVED OFF OF XXXX, YET XXXX NOR TRANSUNION HAS DONE ANYTHING ABOUT THIS MATTER. I KNOW THAT I HAVE EVERY RIGHT TO DISPUTE ANY NEGATIVE INFO ON MY CREDIT REPORTS AS PER MY KNOWLEDGE.AS PER THE FCRA, ACCOUNTS ARE SUPPOSED TO GET REMOVED AS LONG AS THEY'RE NOT VERIFIABLE, ACCURATE, NOR COMPLETE.

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 2020-01-09 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: TX

Complaint narrative:
Equifax HAS NOT FIXED THIS FALSE INFORMATION!!!!!!!!!! I have never had a loan with XXXX XXXX and they are showing two. This needs to come off. The credit report has a number of ( XXXX ) XXXX and an address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IN XXXX Equifax obviously never investigated it because it would have been removed had they done their due diligence? I am XXXX years old and I can assure you that I never applied for a student loan through this company or any other company for that matter. I can also tell you that I haven't been to college so why would I need a student loan?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
XXXX XXXX - XXXX The above mentioned account is being reported as an unpaid charge-off on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following : TO PLEASE REMOVE THE ACCOUNT FROM ALL OF MY CREDIT REPORTS.

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 2020-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
1. Borrower received a 3rd final loan modification on XX/XX/XXXX. She remained current on her mortgage payments and did not miss a payment. 

2. Hurricane Irma ( Category 4 ) struck Florida on XX/XX/XXXX. The Governor of Florida declared the entire state a disaster area. Immediately following Hurricane Irma, the Lender/Investor offered Borrower the Hurricane Irma Natural Disaster Forbearance plan.

3. Lender/Investor did not provide the Borrower with a Loan Modification after the completion of the Hurricane Irma Natur
al Disaster Forbearance plan as required by the program guidelines.

4. Lender/Investor denied the Natural Disaster Loan Modification due to Borrower previously receiving the maximum number of Loan Modifications, 3.

5. Therefore, the Lender/Investor created a Default of the Borrower by not modifying the loan after the completion of the Hurricane Irma Natural Disaster Forbearance plan. This refusal to modify the loan was in direct violation of the promise made by the Investor to provide hardship relief to the Borrower after the completion of the Hurricane Irma
Natural Disaster Forbearance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. The company has used deceptive tactics by way of there Attorney acting debt collector XXXX XXXX XXXX XXXX ( XXXX ) and the company itself by sending me a identify theft from to fill out which I already told them I don't remember are recall this debt. I was a victim of Identity theft and filed a report with the Federal Trade Commission for my own protection I am not sure what was comprised on my credit file and identity. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: TX

Complaint narrative:
XXXX XXXX - XXXX The above mentioned account is being reported as an unpaid charge-off on my credit report. After several statements and confusing correspondence I do not believe that this account is accurately being portrayed on my credit report. I have strong reason to believe that some of the information that is being reported on my credit report is inaccurate. So to clarify the accuracy of the reporting of this account I am formally requesting the following : TO PLEASE REMOVE THE ACCOUNT FROM ALL OF MY CREDIT REPORTS.

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 2020-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Good Day, I started college in XX/XX/1994 and went on to get several degrees afterward at three different schools ( XXXX University, XXXX University of XXXX, and XXXX ). Navient is my servicer and every time I have requested that the payments be lowered because I have XXXX children, a mortgage, a full-time job, and taking care of my unemployed mom, they have always pushed me to forbearance, which increased the amount I owe. As of today, I owe {$170000.00}. I think that is ridiculous, as I have paid that amount and more in loans over the years. I have been able to do little to put a dent in this because Navient is committed to making sure I pay until I am XXXX years old. I require assistance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have had repeated problems with the US Bank Platinum visa card and trying to effectuate payments. I am very upset as I am on the phone with them right now on the phone with XXXX at the call center in XXXX XXXX Kansas. When I told her I may obtain and attorney, she told me that US Bank automatically puts the word Bankruptcy with the word attorney. I am very upset as I never stated that I was going to declare bankruptcy. I explained to her that I had repeatedly tried to effectuate payments to them. I tried online and they shut me off and would not let me online. I tried over the phone and they put me on excessive hold times and would disconnect me. The system would say that I would have to speak a person and I could not get a hold of the person. I was told that one an account is a " dollar short or a day late '' than customer service can not deal with the account. I had excessive hold times and was repeatedly disconnected and actually had payments refused by the customer service representatives.

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 2020-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I'm physically XXXX and on fixed income. I'm unable to get safe housing because Bank of America continues to report a closed account to XXXX and XXXX. My life involves inhaling second-hand XXXX 24/7. The only way I get sleep is by going to a park in my car. There I am harassed and legally threatened by police. I am trying to build equity and live a good life raising a family, but can not do so until bank of America stops reporting on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and XXXX XXXX is attach. 
Please remove it permanently. 
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 non-monetary relief
Consumer complaint received 2020-01-09 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: MA

Complaint narrative:
On XX/XX/19, I learned of a derogatory item on my consumer report : an account with XXXX XXXX XXXX that I didn't recognize, and that was apparently in collections. I contacted Experian immediately to initiate a dispute. In the meantime, I was able to identify that the original creditor on the account was XXXX XXXX XXXX. I contacted XXXX XXXX XXXX, and after navigating through phone trees and long hold times, was connected with XXXX XXXX XXXX, which determined, in relatively short order, that the account was created as a result of fraud. XXXX XXXX XXXX 's XXXX XXXX XXXX department issued a letter ( attached ) that shows the account was fraudulently obtained. 

Experian has two ways to submit documentation related to a dispute : 1 ) you can send it by mail, along with a copy of a government-issued ID, a copy of a utility bill/bank statement, and a copy of your Social Security card ; or 2 ) you can use their " secure document document upload service, '' at experian.com/upload, which isn't accessible from Experian 's " Dispute Center. '' My problems are that 1 ) after multiple attempts, I've been unable to successfully use the upload service, and gotten only error messages ; and 2 ) to mail in the documentation, I have to include information that is a ) cumbersome to obtain and b ) subjects me to further risk of identity theft. 

This experience has been maddening. XXXX XXXX XXXX also happens to be my current mobile provider, and I pay my mobile phone bill on a timely basis monthly, but XXXX XXXX XXXX seemingly never attempted to contact me regarding this account ( apparently tied to a California address ), and instead chose to send it to collections. Experian 's a consumer reporting agency, but not only is their website littered with cleverly disguised advertisements for expensive credit monitoring services, they also have no consumer-friendly way to submit documentation regarding a disputed item. I think that's pretty ridiculous.

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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and XXXX XXXX is attach. 
Please remove it permanently. 
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 non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. 
Please remove it permanently. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: NY

Complaint narrative:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX the company has inquired on my credit report unauthorized letters has been sent advising of the issues but I have not received an response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: NY

Complaint narrative:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC
State: NY

Complaint narrative:
I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and utility bill is attach. Please remove it permanently. 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