vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolios SPS and XXXX has there atty send a letter saying there is litigation s There is no litigation s I have filed prior with CFPB. But no help! 
I have no Atty., SPS SAID IN XX/XX/XXXX that I need to send new modification application because XXXX did not send my application with approval. 
I submitted to SPS 5 loan mod application and the keep denying the 1 st one took about 1 year then SPS SAID mod program only goes up to $ XXXX, my debt was discharged in bankruptcy in XX/XX/XXXX so there is no debt, but XXXX and SPS KEEP trying to collect the {>= $1,000,000}. Loan bal. when I apply for mod. 
SPS Ombudsman dept. Told me I was denied do to no pay check stubs were provided, I told them I makes box self employed and attached P and L and 2 year taxes.
The SPS agent told me get a year to date p and l I did same day and payed my PA {$500.00} to fast track it, Sps said you 'll have to wait to week prior to sell. 
XXXX and SPS ARE LIARS, AND THEY NO CFPB RULES TO AVoid compliance, it 's My understanding they were caught transferring service right s to avoid compliance with National Morg. Settlement and yet they took a credit prior to transferring my loan. 
XXXX even sent me a letter the loan was paid in full Accounting errors and after XXXX XXXX phone calls

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 2017-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a notification that my credit score had dropped. So when I looked at my credit report, I noticed that a negative mark was placed on there from Transworld Systems Inc with an open date of XXXX XXXX for {$600.00}. Stating that the original Creditor is XXXX XXXX XXXX XXXX. This is not my debt. I did n't go to any ER 's in 2017 period.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting this complaint about equifax credit reporting agency. Today after reviewing on XXXX XXXX it shows equifax removed 2 accounts that are in excellent standing from my credit report. The first one is XXXX XXXX the 2nd one is XXXX XXXX XXXX XXXX. These accounts should have never been removed from my credit report. I have contacted XXXX XXXX and XXXX 's card and requested they report to the 3 credit reporting agency 's I was told that they do report each month. Equifax should have never deleted these two accounts off my credit report. These accounts are a positive factor on my credit score. Now due to them removing these accounts my credit score went down. I am submitting this complaint about equifax because they should have never done this without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: WA

Complaint narrative:
I have disputed information on my credit report with TransUnion twice under file number : XXXX, regarding an Adverse Account item reported to my credit report : XXXX - XXXX XXXX XXXX XXXX # XXXX This item shows me as owing {$540.00}, delinquency of 30 days plus, and that the Account type is open. 

I have provided documentation to TransUnion, which shows a check was deposited for {$540.00} by XXXX XXXX XXXX XXXX to their account number : XXXX. The check was paid by my credit union via my checking account. Check number : XXXX, dated X/XX/2017. 

Additionally, I disputed the fact that I was late in paying this debt. I provided documentation to TransUnion that showed a Security Deposit Statement was sent to an incorrect forwarding address. That letter was never received by me via regular mail. 

Instead, I only received this letter via email on X/XX/2017, from the apartment manager, After weeks of trying to get information regarding the status of my deposit from XXXX XXXX, which is XXXX XXXX XXXX XXXX, owned by XXXX XXXX XXXX XXXX XXXX. 

I provided TransUnion documentation of emails which proved the date I received the Security Deposit Statement via email on X/XX/2017 from XXXX, the Apartment Manager of XXXX XXXX. 


Below you will see copies of these documents.

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 2017-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Thomas agency pain in full, $ XXXX-still on credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I made a complaint through the Consumer Financial Protection bureau to Experian on XX/XX/2017 with Complaint ID XXXX. The company 's response did not address my complaint. I am not satisfied with the company 's response.

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 2017-09-19 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: LA

Complaint narrative:
I have SEVERAL unauthorized inquiries on my credit report from Equifax. I have contacted them many, many times seeking a resolution.I have also reached out to all of the creditors. They have no evidence that I have applied for credit with them. I have placed fraud alerts on my report and still receive UNAUTHORIZED inquiries. XXXX of those inquiries are from XXXX on XX/XX/XXXX and XX/XX/XXXX. I did n't authorize those inquiries and XXXX has sent me paperwork stating that they were unauthorized and should be removed. They also sent it to Equifax and They still wont delete them. This was months ago.I have XXXX unauthorized inquiries from XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ). I also have  UNAUTHORIZED/FRAUDULENT inquires from XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX/XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX ). I have XXXX children and these inquiries are definitely stopping me from getting a mortgage/home for my family. None of these inquiries were made by me. I have no knowledge of them. I have fraud alerts with all three bureaus and it is wrong to still have these fraudulent inquiries on MY files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX I cosigned a CareCredit account for my son so that he could get some XXXX work done. The Credit line was set at XXXX 
On XX/XX/XXXX my son passed away at age XXXX.
On XX/XX/XXXX I contacted Synchrony Bank to find out the balance of the CareCredit account and take care of the account. I discovered that the Credit line had been increased to {$6400.00} at some point and I had not been notified. They stated that they sometimes increase credit lines with out notification. There is no way that my son 's credit rating would have been a reason for this increase. He was struggling financially. They probably increased it based on my credit rating and did not contact me as the cosigner. I am more than willing to pay the {$3000.00} that I cosigned for, however they are telling me that I must pay the entire amount owed which is {$6200.00}. They said that the account does not qualify for any assistance. 
Due to the expenses associated with his XXXX, I am not able to pay this and the monthly payments will be a financial burden. I feel I should have been notified about a credit line increase and had the opportunity to say no. Please advise me on how to move forward with this.

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 monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
Loan # XXXXThis is an ongoing issue with this Mortgage Company. Our home WAS in foreclosure and reinstated as of X/XX/2017. Our XXXX 2017 payment was made through online bill pay and delivered as of X/XX/2017 ( Confirmation # XXXX ) Today the Mortgage company called to say that XX/XX/XXXX payment had not been received. I called and spoke to Rep XXXX XXXX who informed that our account has a payment freeze and can take up to two weeks to be removed after our loan has become reinstated. I informed XXXX that the loan had been reinstated more than 30 days ago. She informed that a Senior Manager must remove the freeze and our payment will transfer as soon as it has been released. Also, a charge of {$66.00} was listed on our XX/XX/XXXX Statement. When calling to inquire about the charge I spoke to 3 different Reps who gave me a different explanation each time. Apparently only {$11.00} was charged for a property inspection performed X/XX/2017 to confirm occupancy. Please note that this charge was incurred AFTER the loan had become reinstated. After a rude response and confusing explanation from Rep XXXX, I was transferred to a Senior manager who waved this inspection fee. This company continues to provide us with incorrect information and we were not informed of this freeze on our account. This company MUST be held responsible for continuing issues with customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I have a Business Gold Rewards Card from American Express. American Express provides customers " Amex Offers '' that are discounts and credits for making certain purchases at merchants. One of these offers I added to my account ( approximately XX/XX/XXXX ) was for {$25.00} credit back to my account if I spent {$120.00} or more on one or more purchases at XXXX by XXXX XXXX, 2017. On XX/XX/XXXX, before making the purchases at XXXX, I went to my American Express account and double checked the offer was still added to my account. It was. On XX/XX/XXXX, I went ahead and made the appropriate purchases ( {$50.00} and {$75.00} ) at XXXX using the appropriate credit card. Four days later I checked my American Express account and noticed that the credit did not post to my account. So I initiated an online chat with American Express, asking them when the {$25.00} credit would post to my account. After 30 minutes of checking, the American Express agent said that the offer was not properly enrolled to my account and I would not get the {$25.00} credit. The agent asked me to provide a screenshot of the offer to prove I added it to my account. Flabbergasted, I asked the agent if Amex now requires customers to take screenshots each time they interact with their account because Amex 's computer system can not be trusted? The agent offered to start an internal investigation into the matter, which would take 6 to 8 weeks. I found this resolution not appropriate. I was transferred to a manager who repeated the same as the previous agent. The manager said he could not manually credit my account the {$25.00} because of policies. I asked the manager if Amex requires customers to take screenshots of when they make changes to their account and said while it is not required, it would be helpful. I told them their investigation is purely away to wash their hands of a computer system error. I said the appropriate resolution would be to manually credit {$25.00} to my account AND make an investigation. The manager also said that when I added the XXXX Amex Offer to my account I should have received an email confirmation. This is further proof their computer system is problematic. Over the last year I have added more than a dozen Amex Offers to my account and approximately 30 % of the time I get an email confirmation when I add an offer ; the other 70 % of the time there is no email confirmation but I do see it online when I log into my American Express account. I ask American Express to credit my account the {$25.00}. From now on when dealing with American Express I will take screenshots of each action I take online. I can not trust them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19 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: LA

Complaint narrative:
I have SEVERAL unauthorized inquiries on my credit report from Transunion. I have contacted them many, many times seeking a resolution.I have also reached out to all of the creditors. They have no evidence that I have applied for credit with them. I have placed fraud alerts on my report and still receive UNAUTHORIZED inquiries. I have an unauthorized inquiry from XXXX XXXX ( XX/XX/XXXX ). I also have  UNAUTHORIZED/FRAUDULENT inquires from XXXX  XXXX ( XX/XX/XXXX ), XXXX/XXXX ( XX/XX/XXXX ), and XXXX/XXXX ( XX/XX/XXXX ). I have XXXX children and these inquiries are definitely stopping me from getting a mortgage/home for my family. None of these inquiries were made by me. I have no knowledge of them. I have fraud alerts with all three bureaus and it is wrong to still have these fraudulent inquiries on MY files. I have reached out to each company several times and they all say that i need to contact Transunion because they have no record of me applying for anything.

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 2017-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
Bank has denied my Fraud Claim and Rebuttal based on conversation with XXXX. 

Fraudulent charges made on X/XX/2017 to XXXX.My debit card with SunTrust Bank. Computer was hacked and hackers made ' {$400.00} gift card purchase. Money was within from checking account on X/XX/2017. Called bank immediately to notify of fraud and was given Case Number. I was told that it would take 10 days to review. Received call from SunTrust investigator on X/X/2017 for information. Explained in detail of how computer was hacked and told the steps that I had taken ; notify XXXX, and other charge accounts that were hacked and had been resolved. This conversation took place on X/X/2017 at XXXX XXXX. Received denial letter on X/X/2017 at XXXX XXXX!! FIVE HOURS LATER!! Indication was based on conversation with XXXX. Bank claims it was legitimate charge, however XXXX record INDICATE OTHERWISE..FRAUD!!! Investigator told me that she would send rebuttal forms to fill out. Filled out forms I did and faxed back in X/X/2017. Received Rebuttal denial letter on X/XX/2017 from SunTrust. Immediately called SunTrust to dispute denial. Was told to contact XXXX which I did. Fraud Department reviewed the case and said it was definite fraud.

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 monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XXXX, 2017 went to the bank Navy Federal Credit Union, to withdraw {$20000.00} dollars, for family support, was advised by the teller, the account was restricted. Spoke with asst mgr, XXXX XXXX, ( no help at all ) who stated the security dept has placed a restriction on the account to do an investigation for fraud. Advised no fraud on account, spoke with XXXX the manager who I gave the names of the persons who wired the monies. As of today, the account is still restricted ( 23 days ) no notification given by the security dept other than I would be notified when the issue was resolved. Is this a good explanation for you, not for me. This continues to this day I have been hung up on via telephone by supervisors, provided no information concerning the investigation. I am unable to pay my bills, there are about {$500.00} overdraft fees accrued on the account, due to not being able to move money. I have written to the President of the Credit Union, and received no response back. Please help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen has been sending foreclosures and adding deceptive fees and not accepting payment and then putting me on a foreclosure notice.

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 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My loan was purchased/sold to round point mortgage. I made payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for the amount of {$2000.00} in agreement with the mortgage and escrow payments required. The double payment in XX/XX/XXXX was due to a miss payment when setting up the auto-pay when the mortgage was purchased. It was the payment of XX/XX/XXXX. The payment for XX/XX/XXXX and XX/XX/XXXX was $ XXXX due to a shortage in escrow balance. Round point had a higher minimum amount that the original loan agreement. The next due payment is now for {$2300.00}. Again an increase in escrow due to a shortage. Under further investigation into my account, Under Taxes I am not listed responsible for XXXX  XXXX for {$2000.00} and for XXXX XXXX {$1700.00} ( the county I live in ). That is the reason my escrow has increased. This is a mistake by Round-point mortgage adding the additional county erroneously. In my attempts to fix the issue that want me to send in my tax bill. I have not received it yet, and I should not be required to do anything to fix my account back to the original monthly payment. I have tried to escalate within the ranks for Roundpoint and have been hung-up on and placed on infinite hold. What they are doing is illegal and I would like to get in resolved as soon as possible. After a second call back I have been told to give them at least a week to resolve the issue. I am still filling this complaint in case it is not resolved correctly and should have never occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
X/XX/17, amount 626.00, advised will file bankruptcy and unemployed. The company repossessed the car, and kept changing the requested amount dates as X/XX/17, X/XX/17, and now was advised of another date. The customer service representative was very irate and refused to give me a date of the extension for XXXX. I advised I have XXXX XXXX XXXX and need to speak with the supervisor he was not available. She made me feel uneasy, harassed, and not secure to pay that amount of money with someone that aggressive. I ask for the dates she refused to tell me. No empathy, lack of referencing the notes to notice In going to file bankruptcy and I 'm unemployed. Very aggressive first party collections practices they call me 3x a day which it should be only two if left a voicemail. I feel like I being harassed for something I can not control anymore since they took the car.

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 2017-09-19 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: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
I co-signed on a car with my husband in XXXX 2011. The car has been since repossessed. It was a XXXX XXXX. Ally Financial is reporting the balance of {$16000.00} as past due every month as well as derogatory. I am not past due on an account that is in collections and closed. Once the car was repossessed, there is no longer an agreement in place. I have worked with ALLY to quit reporting this account as past due as I do not have a current agreement with them but they will not. This is unsatisfactory business practices.

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