vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX we bought the house and the loan was from XXXX. We were paying XXXXa month. The loan was going on interest only for 5 years. In 4 in a half years later we submitted a loan modification. The loan amount stayed the same with taxes included. The insurance was paid separate this was in XXXX. In XXXX I called b of a asking them if they can help me with modification because I knew the rate was going up and I 'm on XXXX and social security. They told me yes, they can help and to fill out the modification forms. After, I received the modification that the loan has been sold to sls mortgage. So, I had no help from XXXX like they mentioned to me. I continued sending my payments on time every month. I asked in XXXX XXXX respectful in my interest and payment for XXXX. The mortgage sls told me they were going to send me a letter within 45 days before about the information how much my payment is along with my interest. I never received this letter. 
Approx. on XXXX XXXX I just received the letter. The letter of the new payment to start on XXXX XXXX, XXXX the amount of XXXX a month. this is the complaint that I 'm doing. That XXXX and knew they were going to help me and complicated to make this payment. bottom line is that XXXX mentioned they were going to help me and they decided to sell it to sls. In XXXX XXXX I submitted a package of modification to the mortgage sls. They denied it because of my income. They said that its better to sell the house and they can not help me at all. In XXXX XXXX XXXX I submitted a new form of modification with a little more income included. I 'm not sure if they will deny it or accept it to help me with a lower mortgage. If they do n't accept it I would have to leave the house because the fault of XXXX telling me they will help. Without me knowing from XXXX was going to go up XXXX. I became on XXXX permanent with social security. My wife is retired. The only thing I want is to find out how they did this to me this contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I filed a complaint against a buyer for an item I had purchased on XXXX. Paypal told me in order to receive my refund I would need to return the item and provide proof of tracking. I returned the item and sent PayPal proof of shipping from XXXX. I provided a tracking number, picture of receipt from XXXX stating the address it was sent to, and provided picture of the label ups printed on the package. I sent the item to the exact address Paypal told me to send it to. Paypal then told me I 'd receive my refund in 24-72 hours. It 's been 10 days and still no refund. When I call Paypal they keep telling me to provide the same proof and I 'll receive my refund in 72 hours. Like I said it 's been over 10 days and still no refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: CA

Complaint narrative:
I 'm the co-signer on my son 's student loan. He took it our while he was attending XXXX XXXX in 2008. Apparently, the holder sold the loan to another collection agency that is repeatedly attempting to contact me by phone. ( I told the previous holder to only contact me my mail, NOT by phone. ) More importantly, my son got a forbearance on this loan because he became a XXXX student. ( At XXXX XXXX XXXX College in XXXX, VA. This group continued to pursue despite this and also told me that my information was " wrong '' and that my son " must have taken out more than XXXX loan ''. This is false. They 're using lies and intimidation. I told them not to call me again ( especially on my business line ) and that I will report them to CFPB. I do n't think that they are legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX, XXXX and XXXX will not update my VA Loan with Wells Fargo. They have no data and has caused a XXXX to XXXX point loss in my credit score.

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 2015-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
Prior to 2014 my mortgage was handled by XXXX XXXX formerly XXXX XXXX XXXX .My note was coming out of my social security check every third Wednesday. Unknown to me XXXX transferred my note to XXXX who stated I was in default for the XX/XX/XXXX and XX/XX/XXXX. I disputed the default and sent information to XXXX showing the amount that was paid. XXXX did not post both payments until XX/XX/XXXX.XXXX transferred my not to BAYVIEW Servicing and my payments went from {$360.00} to {$510.00}. My check is {$1000.00} of which I have to pay life insurance on my XXXX greatgrandchildren and myself, light, gas and water. I have tried to resolve this matter to no avail. Now I 'm threaten with a bill of {$1000.00} by XXXX XXXX or face forclousure. All information requested by XXXX was sent including bank statements .XXXX is no longer in the XXXX area I do n't know what happened to the money that was coming out of my check but i would like to know. Any advice will be greatly appreciated.This loan was supposed to end in 2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XXXX/XXXX/15 I mailed a dispute letter and an investigation request for XXXX items on my credit report with Experian by certified mail, which they received by certified mail on XXXX/XXXX/15. Experian sent me back a form letter which seemed to me to be both threatening and insulting and a blatant attempt to avoid investigating the items in a timely manner. I believe the attached documents reflect that the dispute item was sent to them correctly and in the form they require. I did not respond to the form letter, as my accountant advised me this would delay the investigation, which is what they wanted. I have since received responses from the other XXXX bureaus, but none from Experian, which indicates they decided not to investigate my complaint. I believe this a blatant violation of the Fair Credit Reporting Act and was an effort to intimidate and coerce me into not pursuing the correction of faulty information on my credit report. I wish to file a complaint against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I tried to register with credit cards so I could see my credit report and score. Well when in want to set up my account and put in my info i got to where they were asking the questions2 identify me and all but 1 of the questions had nothing to do with me so i answered none of the above because it was asking about a mortgage loan companys name and car loan payment amount that I had never heard about or seen before to verify my identity so I thought it was a trick question for both if them so as I said I answered none of the above. Well it would n't verify my identity since it said i got them wrong. Well so then I tried to scan my license front and back as it requested for 4 and half hours over and over to get to my report 2 make sure no1 had taken my identity and a loan in my name but it would n't confirm with the scans of my drivers license either. So tgen I wrote the company XXXX and told thrm my issue and they responded that they were sorry that if I ca n't be verified then I ca n't get and register an account with them for my reports that I would have to request the reports individually on the XXXX websites. So i went to the XXXX bureaus I requested all XXXX. I only ended up with my XXXX report and none of the otuer XXXX because I had the same problem with 1 of them in answering the verifying personal account questions and the other said i already requested my report this year but i did n't the only time I have applied was to XXXX and i never made it thru 2 get or request my reports on their site. So I 'm having MAJOR issues and I 'm worried that this is happening that some1 has likely gotten a hold of my identity and need some help getting 2 the bottom of this please ... .ASAP if at all possible im case it is identity theft. Thank u.

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 2016-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.

Complaint narrative:
Looked at my credit report on experian and it is showing XXXX ad 6 months I areas up until XXXX then suddenly in XXXX as up to date. It had always been up to date and I also find it weird how it then suddenly improves to not in arrears over 1 month. I have emailed as I find it very bizarre and is not echoed across my noodle clear score or equivalent report.

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 2015-05-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On credit report Transunion, XXXX, XXXX states XXXX negative accounts, XXXX positive accounts, XXXX inquiries. 
However XXXX XXXX XXXX after XXXX months of paying debit for cell phone bills will not sell a XXXX down cell phone at XXXX dollars per month because of ruined credit and harassment. 
Being a veteran I was billed for emergency non VA treatment hospital care, and sent to collections feeling I was billed XXXX dollars for emergency treatment at non VA hospital my question when my employers and veteran payee pays over XXXX dollars in Medicare payments WHY cant Medicare pay the non VA hospital bills. There is wreckage of the past that causes abusive unfair credit reporting. Since XX/XX/XXXX I do not use credit cards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: COLLECTION BUREAU INCORPORATED
State: ID

Complaint narrative:
I represent an employer. XXXX sent a fax to a general company number with the person 's name and Social Security number clearly stated and this statement : " This communication is from a debt collector. Any information obtained will be used for that purpose ''. 

This method of communication is compromising to the employee, as it could be compromising to the person 's position, in addition to exposing the name and social security number, which makes them vulnerable to fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
There are serious issues with my mortgage that would indicate my current servicer, Fay Servicing and the alleged note holder lack standing to foreclose which they are currently threatening to do. There are also issues that show they are billing me for tax escrows that were never paid. 

The first mortgage assignment recorded on XXXX/XXXX/XXXX prepared by XXXX indicating XXXX was assigning the mortgage to XXXX would be void due to the fact that XXXX would have had no agency relationship with XXXX XXXX in XXXX due to the dissolution of XXXX XXXX XXXX as a corporate entity on XXXX/XXXX/XXXX. 

The second mortgage assignment recorded on XXXX/XXXX/XXXX, assigning the mortgage from XXXX to XXXX Legal Trust is also problematic for multiple reasons. 

First, it appears XXXX violated the REMIC provisions ( Sections 860F and 860G ) of the Internal Revenue Code of XX/XX/XXXX that state a mortgage in default can not be placed into a REMIC Trust. 

After reviewing the Securities and Exchange Commission 's XXXX database, it appears that XXXX Legal Trust is not registered with the Securities and Exchange Commission ( SEC ). It appears XXXX Legal Trust is in violation of Section 5 of the SEC Act of XX/XX/XXXX that requires all entities offering securities to be registered with the SEC or qualify for a Rule 144a exemption from the registration requirements. There does not appear to be a Rule 144a exemption filed with the Securities and Exchange Commission. 
There also seems to be serious miscalculations of the amount Fay Servicing is claiming I owe on the mortgage. According to documents supplied by Fay Servicing and their attorneys, XXXX XXXX XXXX, Fay Servicing is charging us {$27000.00} in tax escrow payments from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. However, it appears from a XXXX county tax bill sent us in XX/XX/XXXX that the outstanding property taxes equaling {$24000.00} were never paid. The property is currently in the process of tax forfeiture.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION
State: VA

Complaint narrative:
I tried to file for repayment deferment based on my XXXX student status as a XXXX. student with The XXXX, XXXX, XXXX, XXXX XXXX. Even though the school has no electronic code ( the main reason SallieMae refuses to grant my deferment ), which XXXX universities do not have, the following fact is obtain from XXXX, XXXX paragraph down : The XXXX is also one of only three XXXX XXXX higher education institutions to gain accreditation in the United States of America by the Middle States Commission on Higher Education , [ XXXX ] an institutional accrediting agency, recognized by the United States Secretary of Education and the Council for Higher Education Accreditation. I intent to file a lawsuit against SallieMae, and to publish bad publicity about this loan institute. The lack of an electronic code is completely irrelevant to this case. All that matters is my XXXX status at a XXXX university in the United States, even if the university is headquartered in XXXX, XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc.
State: UT

Complaint narrative:
I got a call from stellar recovery. The lady tells me that i have debt with XXXX for XXXX. I told her that this is the first time i had heard about the debt. I asked her some questions as to when this so called debt happened, she says it is from XX/XX/XXXX. I said i do n't believe that was correct last i remember XXXX was after me to turn there equipment which i did. I asked her if she could validate the debt and she said so you are disputing that this debt is valid, and i said i would like some proof and she said ok and hung up. This call was made approximately on XX/XX/XXXX. I got an email this morning that may credit score had dropped i have a collection account from stellar on all XXXX bureaus. I have so many phone calls from fraudulent outfits lately, just last week i got call from the irs saying that i owed them XXXX dollars and if i did not pay they would arrest me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
XXXX Transfer my loan to SLS. SLS does not acknowledge my XX/XX/XXXX payment, I did make my XX/XX/XXXX payment and I have not received any statements since XX/XX/2016. Similar situation happen when XXXX transfer my mortgage to XXXX, and that episode ended in a fraudulent foreclosure.

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 2016-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: MI

Complaint narrative:
I owed an outstanding balance of {$120.00} to XXXX XXXX XXXX for a land-line service that I no longer needed. I paid the outstanding amount of {$120.00}, based on my billing statment from XXXX XXXX XXXX ( including late fees & penalties ). I had no indication other than that XXXX XXXX XXXX accepted my payment in full. 

It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( I.C System Inc. phone XXXX ) and ( XXXX phone XXXX ). XXXX debt collectors are based in MN. XXXX company ( I.C. System Inc. ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( XXXX ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was " paid-in-full, based on the last billing statement ( including late fees and penalties ) from XXXX XXXX XXXX. A debt collector should not be able to request more than the amount of the outstanding debt. 

My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can XXXX debt collection company sell a debt to another, thus possibly increasing the time that the information remains on my credit profile? 

Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to, and accecpted by, the original debt holder ( XXXX XXXX XXXX ), I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for XXXX should be removed immediately.

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 2017-02-10 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: U.S. BANCORP
State: TX

Complaint narrative:
MY EX HUSBAND XXXX SENT MEN OF HIS OWN ON XXXX TO XXXX TO XXXX FOR CONTINUED DEBT AFTER MINE WAS FORGIVN BY THE MERGER OF AIRLINES AND OTEHR COMPANIES AND STARTED ANOTHER DEBT ON ME FO CLOTHING AND OTHER TO XXXX THREATEN ME ABOUT ILLEGAL COURT FORCED TO FILE AGAINST FTC ORDERS COURT DECREES OF THEIR ACTIONS I NEED HELP ASSISTANCE WITH THIS MATTER MAY I SEE AN ATTY AT FTC I NEED AN APPT PLS EMAIL ME AT XXXX AS MY LITIGATION AND LEGAL RIGHTS AND MY CREDIT HAS BEEN HARMED SINCE XXXX WHEN I STARTED SEEING INTO THIS ILLEGAL OIL LITIG SET UP OF OLD BAD XXXX AND XXXX CRIMINAL XXXX AREA FILES OF THEIR OLD CREDIT CARD XXXX CRIMES AND DEBT ILLEGAL MAKING ON ME AS THEY PROMISED NOT ABEY OF FTC AND FEDERAL COURTS OF XXXX WHICH I SAW IN XXXX AND XXXX ATTYS WILL NOT STOP EITHER AS THEY OWN THEIR OWN LEGAL CORPORATION ON XXXX IN THIS MATTER
I NEED ASSISTANCE IN RESTOERING ANDD FORGIVENESS OF CAUSED ACTION IN DEBT
THEY VIOLATE 15 USC 1601 STATUES CODES EVERY DAY TO ME AND INSIST ON SUCH TELLING ME DO NOT PAY MY DEBTS AS THEIY WILL TAKE CARE OF IT IN XXXX R XXXX OR XXXX DEBT MAKING COMPANIES OF CLOTHING AND XXXX OF THIS MATTER THEY HAVE BEENTOLD BEFORE AND DO NOT QUIT A XXXX COURT FEDERAL OF DEBT COLLECTION COURT DECREE I SNSET YOUR AGENCY A FEW YEARS AGO

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