vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that Select Portfolio Servicing ( SPS ) filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that Select Portfolio Servicing ( SPS ) submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Bliksum, LLC
State: CA

Complaint narrative:
Calls persisted. Calls also continued to my place of employment. No action was taken by the company to correct the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: CO

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter to TransUnion regarding an account on my credit report from XXXX XXXX XXXX for which they claimed that I owed {$17000.00} in XX/XX/XXXX. I challenged the accuracy, compliance and reportability for each of these listings because I am unaware of owing money to this company. I also asked to validate the information with XXXX XXXX XXXX, and to provide me with any documentation associated with this account, bearing my signature. In the absence of any documentation bearing my signature, I formally requested that the information be immediately deleted from my credit file for which they maintained under my social security number. 

On XX/XX/XXXX I received a letter back from TransUnion stating that the accounts were " Updated '', but I never received any validation with any documentation associated with this account bearing my signature.

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 2018-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Collection agency portfolio recovery associates XXXX .acct # XXXX .Please escalate to have this collection removed not mine all my current debts are paid in full.This is inaccurate and outdated fraud collection agency my bankruptcy was over 20 years ago all accounts discarded in bankruptcy.This collection agency is sending out old outdated information not my accounts would like them to cease from sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12 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: MI

Complaint narrative:
Equifax is currently reporting on my credit report that my contact information has an expiration date. It states, " Contact Information : Expiration Date XX/XX/XXXX : Date Reported-XX/XX/XXXX. '' My Equifax credit report has both a Fraud Alert and a Credit Security Freeze in place. My wife has the same alerts in place on her Equifax credit file but states nothing about a contact information expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I applied for a loan I was told by the lender my credit score from Experian was XXXX however when I called Experian I was told my credit score was XXXX. I was denied the loan and Experian was unable to provide an explanation as to the difference or how I could even correct it. XXXX and XXXX  both had my credit score over 800. I was aware of only 3 collections and all three were medical and under {$100.00}. I am XXXX and have never been delinquent on any loan. If a credit reporting company is going to provide a service like this then they need to be consistent and disclose to the public how different risk models work,

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 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
What happened What happened is I have a XXXX invester that the only thing he cared is his own pocket he should be in XXXX  SLS is the servicer and they dont want to do anything except to taken my home I am waiting for my social security to come through XXXX XXXX XXXX is on my case time is what I need and a good servicer SLS is a monster they never worked with me just toy me around and play game Shame on u SLS and invester I will be in the street by the end of the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I purchased a vehicle from XXXX in XXXX XXXX, Texas in XX/XX/XXXX. The tags on the vehicle stated that it was a XXXX  XXXX XXXX. I did not realize that it was a XXXX until after the paper work had been ready sign and the loan financed by Santander. I tried to return the vehicle 7 days later after I had heard bad things about Santander XXXX XXXX. I could not return the vehicle. Santander has not applied payments correctly to the loan. I have made double payments and they have not been applied correctly. Also, the call at all times and days. They call from several different numbers. They have said that they have cancelled my contract and will reposes the vehicle. I have never had this type of problem with a car loan before. I don't know how to get out of this loan since the contract has been cancelled. they have ruined my credit. My bank says I should have never financed a car with them. They are misleading company and are not applying the payments correctly. I am a XXXX Veteran and my XXXX since this incident has multiplied greatly. I have cars financed all my life and never had to deal with a company such as them. They seem to be in cohoots with XXXX and both companies are both deceitful and use unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Hard inquires ran without consent

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 2018-03-13 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: MD

Complaint narrative:
Hard inquires ran without consent

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 2018-03-13 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: BB&T CORPORATION
State: MD

Complaint narrative:
Hard inquires ran without consent

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 2018-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I faxed American Express XXXX Team, an Government ID, a receipt with temporary card serial number, and my current address. Each time I call customer service they have an excuse as to why they can not process the replacement card for my lost card that has {$100.00} balance. The CSR always tells me the ID is wrong type, or the ID is not clear or the ID is dark. And they also said my address is not acceptable. 
I have repeatedly sent fax after fax with a different government ID each time. I have faxed a State college ID, and 2 Veterans ID Cards, all with pictures and personal information. 
I sent a fax onXX/XX/XXXX, and one on XX/XX/XXXX. 
In my opinion they are practicing fraud. In my opinion they are stealing personal information. 
They want all of my private information and do not give me the money that was refunded back to the card from XXXX XXXX XXXX, in XX/XX/XXXX. I demand the money be returned to me immediately. 
I have called over and over to try to get my money sent to me. 
I have paid for fax services FIVE TIMES. 
I have faxed XXXX XXXX at FAX : XXXX and have not received any response from the XXXX. 
I am paying for faxing and each time the incompetent XXXX gives me another excuse. 
I have told them I do not have any utilities in my name. I gave them my address from a shipping label that is from a package shipped to me. 
I am a XXXX veteran and I do not feel this company cares one bit about the customer and has extremely poor service. 
I do not have a permanent home. I want the cash money wired to me or mailed to my P.O. Box.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: GA

Complaint narrative:
I submitted a dispute to transunion concerning two tax liens that are still reporting that has been paid since ... XX/XX/XXXX for XXXX released XXXX County Superior court XX/XX/XXXX for XXXX released XXXX County Superior court letter received from Transunion XX/XX/XXXX indicates that the investigation was complete & information verified as accurate. My understanding is that it will remain on my credit report for 7 years from the filing date XX/XX/XXXX. I would like to have this dispute looked into as I have worked very hard to rebuilt my credit as well I have been very patient!

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 2018-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX we refinanced our home mortgage. The servicer on the previous loan has not returned our escrow refund. We have called several times and each time, they tell us a different amount that we are due, and they give us a different date as to when we can expect the refund check to arrive. We now believe that they may be lying to us because after several phone calls made to XXXX XXXX XXXX, finally on XX/XX/XXXX we were able to speak with a supervisor, XXXX XXXX. XXXX XXXX stated that a check was finally mailed to us on XX/XX/XXXX.  However, as XX/XX/XXXX, this check had not been received. On XX/XX/XXXX, I emailed XXXX XXXX and asked her to provide me with the check date, check number and a copy of the refund check that she claimed to have mailed, so that I could be reassured that the check was in fact mailed. I also attached an XXXX document with an analysis of the escrow history ( which matched the analysis shown on their website as of XX/XX/XXXX within 1 day per diem ) and asked her to confirm that this would be the amount of our refund since our analysis was several hundred dollars higher than what XXXX XXXX told my husband it would be when they talked on the phone on XX/XX/XXXX. I requested that XXXX XXXX respond to my email inquiry by XXXX XXXX on Monday 3XX/XX/XXXX. I did receive an email response late on 3XX/XX/XXXX. However, XXXX XXXX did not include the check information that I requested and stated in the email that our refund had been cancelled and that a new one would be issued. Quite frankly, I do not believe that XXXX XXXX is telling the truth and highly doubt there was ever a check issued at all. She said that we would receive an analysis of the escrow before disbursement but never bothered to say when this would happen. Our closing was on XX/XX/XXXX and Home Point Financial received their funds on XX/XX/XXXX. That is well over 5 weeks ago. What is most unsettling is that they are very hard to reach by phone, and when we do finally get to speak with an actual person, they give us false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a medical collection account that I have disputed with the original provider and told XXXX that I was in dispute. I had insurance, the provider received authorization from the insurance company and the provider never billed the insurance. When XXXX contacted me I told them I was in dispute with the original provider and they still reported it to the agencies but did not send me anything to verify the debt even though I asked for it. They continue to ignore my requests to verify the debt yet they also report this unverified debt. This needs to go back to the provider so I can take care of this. This is in direct violation of the Fair Debt Collection Practices Act ( Federal and California ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have on file as lived at XXXX XXXX  Nd XXXX XXXX  XXXX  I have never lived those places my ex wife has also Credit inquiries at XXXX XXXX and XXXX company checked my credit with out my consent Also XXXX XXXX  account belongs to my exwife I dont know if she put my name in these accounts we have been divorced since XXXX I have only lived at XXXXand XXXX XXXX XXXX only XXXX XXXX Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Due to the change in property tax law put into place for XXXX, thousands of homeowners paid their taxes in XXXX. I contacted Ditech initially to see if they could release the funds but they were unable to do it prior to the end of XXXX. They instructed me to pay out of my own funds and send them the verification the taxes were paid, and they would refund me the appropriate amount. I dutifully paid the taxes due and sent Ditech the verification. Weeks passed and I received refunds from my 3 other mortgage servicesr, but nothing from Ditech so I reached out again by phone and email. They promised to get back to me and never did. To date, I still have a message in their apparently worthless message center fromXX/XX/XXXX that remains unanswered. I called again and was told they would do an escrow analysis -- still no call or email. I just went on line and the brilliant conclusion by the band of roving XXXX is that my payment will not be increasing! No Kidding?! Meanwhile they still are sitting on my over-funded escrow account doing nothing. 

I just called again and after 15 minutes on hold, the call was answered and I was forwarded to an automatic survey which then hung up on me! 

It seems curious that this company with nothing but complaints continues to exist. Completely XXXX   customer service and frankly illegal activities to hold my funds in excess as they have been for the past 3 months!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 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: MD

Complaint narrative:
Hard inquires ran without consent

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 2018-03-13 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
On XX/XX/2018 I contacted customer service at XXXX XXXX to inquire about lowering the interest rate & changing the payment due date. I wanted the due date for each month to be on the XX/XX/XXXX of each month instead of the XX/XX/XXXX of each month. They refused to cooperated with me. They closed my account because of delinquent payments, but I had complied with their request to pay back payments to get current. 
The bank DID NOT contact me by phone, email, or letter that they were doing 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 non-monetary relief
Consumer complaint received 2018-03-13 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: MD

Complaint narrative:
The sales clerk informed me that a solf inquiry was to be pulled on my credit report to see my score, but it ended up being a hard inquiry not only by the dealership but multiple underhand " banks. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I have been harassed by CMRE Financial Services multiple times in the past 3 years. In the past 3 years I've paid them at least {$400.00} each time I've been told that I paid them fully and the issue was resolved, I even set up payment plans with the company and they came after me again. I recently paid them an additional {$54.00} in XX/XX/XXXX for a bill I do not believe was mine just to get them off my case. I was recently contacted by them again on XX/XX/XXXX. XXXX has admittedly told me there are many different accounts under my name and that people aren't careful enough when entering in the debt 's. So sometimes it is under the wrong person. I have definitely have 100 % paid much more than I could have ever owed. I need someone to investigate this company. The number they called from XX/XX/XXXX was XXXX My transaction XX/XX/XXXX showed up in bank as XXXX XXXX XXXX XXXX CA XX/XX/XXXX Debit card transaction {$54.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: CO

Complaint narrative:
My loan is with XXXX XXXX, XXXX XXXX XXXX. Please note I had a loan with this company before and had no issues, but have had nothing but run around and dishonest interactions. 

I have had trouble in the past with them not applying my payment to the account. 
When I first got this loan - they applied my payments to my closed account and told me they would fix it, which they never did, they just sent me checks and stated I did not pay. 

Just happened again, they noted my last payment was received in XX/XX/XXXX, when I have the check from my bank clearly reflecting that I paid in XXXX, they cashed the check. MyXX/XX/XXXX statement does not reflect a payment received by them XX/XX/XXXX and which posted to my account on XX/XX/XXXX.

I called them today twice, XX/XX/XXXX. First time they hung up on me and the second time an employee named XXXX or XXXX, informed me that I must pay XXXX dollars to stay current. They are not honest and not helpful. He says there is no record of my payment dated XXXX. I immediately called XXXX bank and they verified the payment was received and cashed. 

I did send email on XX/XX/XXXX and received no response on XX/XX/XXXX, so I called and only got " we never received it '' and asked why I missed a payment. Also note my XXXX payment was sent by XXXX on XX/XX/XXXX, and they have not cashed that check yet. 

Again, this has happened before and I do not want them to attempt to cancel my GAP insurance for late payment because I have never made a late payment. Also must assure my credit report is accurate, as I can see them reporting me as paying late when in fact I am a month ahead always in payments. Please help me and assure they correct the loan payment calculation as well.

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