vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Dear commissioner below is a carbon copy of the second letter we sent to our lender requesting help. We were told they were foreclosing on our property and we need your help. 

To : Specialize Loan Servicing Re : Loan number XXXX Via : Fax XXXX Date : XX/XX/2020 From : XXXX and XXXX XXXX XXXX Please see the attached hardship mortgage application for a forbearance agreement or for a residential workout program. We previously sent you a letter regarding my wife and I health problems due to sickness and old age. We have always paid our mortgage payment and have never been late for the past 15 plus years. We have recently moved in with family members until we can either sell our house or if unable to sell we are going to have a family member come live with us and occupy our home again. 

On Friday XX/XX/2020 we contacted your office and spoke to XXXX regarding our current situation and asked for solutions because our hardship is due to old age and sickness. XXXX was very clear that your company would not work with us and you were planning to foreclosure on our house. XXXX advised us because we previously did a modification agreement to lower our payment that no options were possible and she discourage me to not apply for the mortgage workout application. 

Because my wife and I have been hospitalized over the past few months we asked you in a written letter to communicate with our son XXXX XXXX and we provided you his phone number and address. However you continued to send all correspondence to our property address in which no one is living there currently and we put the property on the market for sale. 

We are requesting that you do not put our house on the market to foreclose on us it will make it difficult to sell the property. We would also like you to send us a short sale package we lived in a subdivision in which it has been many years since a property sold in our area. When I spoke to XXXX I had my son added to my loan as an authorized person to talk on my wife and I behalf. 

Please mail the financial hardship package to XXXX XXXX XXXX XXXX, VA XXXX or email to XXXX. We authorize you to speak to our son XXXX XXXX to discuss any and all questions at XXXX. 

The realtor that is handling the sale of the property is XXXX XXXX ( XXXX XXXX XXXX ) her phone number is XXXX. 

Cc : The Federal Consumer Complaint Division

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XXXX to eliminate any financial penalties ( late fees, credit worthiness ) after suffering from an unfortunate and unforeseen life event leaving me with a $ XXXX bill. I was assigned to XXXX XXXX who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed Dovenmuehles bank couldnt process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasnt correct. I called XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially ( reporting and fees ) and she stated it would not. If she had responded to questions differently ( accurately ) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist ( XXXX XXXX ) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with ( & was told this would be the agreement I needed to honor for 12 months ) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately. Remove incorrect mark - this was removed last year and in the past few weeks inaccurately reconverted

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit 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 2020-02-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
My identity was compromised due to my purse being stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I want you to know that I understand my financial obligations, and have an excellent repayment record. I requested to explore my loss mitigation options in XXXX to eliminate any financial penalties ( late fees, credit worthiness ) after suffering from an unfortunate and unforeseen life event leaving me with a $ XXXX bill. I was assigned to XXXX XXXX who struggled to communicate the terms of the repayment plan and next steps. I sent a money order by completing instructions from XXXX and signed the repayment agreement. I continuously followed up via phone and email to check status and confirm that everything was properly in place. There were some lapses in communication but I was informed that while my contract and payment was received as agreed XXXX bank couldnt process the payment and would resend it via traditional mail. I also was informed that money had been sent to me via XXXX XXXX which wasnt correct. I called XXXX several times to understand how to quickly remedy this issue and to advise that I had not received my returned payment. Additionally I specifically inquired about how this would impact me financially ( reporting and fees ) and she stated it would not. If she had responded to questions differently ( accurately ) I would have never entered into this agreement. I emailed to ask how I could pay instantly as I had issues getting a refund for XXXX since it appeared to be processed however I never received a response. To remedy this manner as soon as possible please remove the late payment that was reported. I also do not trust the advisement received from my loss specialist ( XXXX XXXX ) and believe that I deserve counseling from another rep to truly understand the terms of the agreement. I have canceled the repayment plan that I was in compliance with ( & was told this would be the agreement I needed to honor for 12 months ) in order to create a win-win for all involved. I truly believe that the measure does not reflect the accuracy of this situation, my creditworthiness and commitment to repaying my debts. To show my dedication for resolving this issue I provided full payment on XX/XX/2019 to cancel my utilization of the repayment plan. After this traumatic and deceptive experience I believe this company should better train their staff and remove this mark immediately. Remove incorrect mark - this was removed last year and in the past few weeks inaccurately reconverted

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 2020-02-10 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
( My card was lost at 24/7 store on XX/XX/XXXX and returned back to me on XX/XX/XXXX, three fraudulent transactions were made during that period, which are- XX/XX/XXXX - XXXX XXXX XXXX - {$150.00}, XX/XX/XXXX - XXXX   XXXX- {$7.00}, XX/XX/XXXX - XXXX XXXX XXXX XXXX- {$27.00} ( Police report attached with claim ) Already faxed the claim form to barclays on XX/XX/XXXX, also filed a police report on XX/XX/XXXX. ( see attached ) Haven't heard from barclays since, barclays is not trying to resolve the matter.

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 2020-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I requested that IC system validate an debt, after viewing my XXXX  and XXXX  credit report, that responded on XX/XX/XXXX stating the debt was unverifiable, how is this company allowed to report debts to Credit Reporting agencies before being verified? Thats a clear violation according to the FCRA. How did XXXX  and XXXX  Credit Reporting agencies verify the IC System accounts, when IC System stated that they could not.

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 2020-02-10 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX I am still trying to resolve fraud from XX/XX/XXXX. I have no on line access due to a XXXX  XXXX. Phone reps refuse to speak with me on fraud so old. See attatched. ( Just Learned ) XX/XX/XXXX CREDIT CARD FRAUD CLAIM Claim date XX/XX/XXXX. A year 1/2 Later I am told ** Adjustment Purchases Temporary Credits MUST BE ( MADE PERMANET ) to apply. See attatched Adjustment Purchases XX/XX/XXXX Temporary Credits NOT MADE PERMANET YET. USAA uses every Adjustment Purchase Temporary Credit NOT MADE PERMANET yet to ** Create CREDIT REVERSALS.If USAA credit not given how can they use that as a 2nd credit to CREATE CREDIT REVERSALS and an additional new purchase charge? XX/XX/XXXX Statements Lists {$2.00}, XXXX CREDITS NEVER APPLIED they are all credit reversals. Total credits XX/XX/XXXX were {$910.00} and SOMEHOW THEY TURN INTO CREDIT REVERSALS AS WELL when merchants just paid. I have fought this for over 2 years now. I do Not believe this is ERROR. I believe it is done to AVOID PAYING FOR FRAUD and MAKING DOUBLE PROFITS charging 2Xs. It has gone on too long to be a mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 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: CITIBANK, N.A.
State: PR

Complaint narrative:
COMPLAINT FOR : Citibank Na, XXXX XXXX XXXX, XXXX XXXX SD XXXX Phone : ( XXXX ) XXXX An inquiry has been made at a Sears store in the town of XXXX, Puerto Rico without prior authorization. We had seen a sign informing us that we could take articles " without credit inquiry '' because Im interest in " leasing ''. The employee took the data and strategically inquired using the social security numbers of my wife and me. That is against the law and it has been reviewed in XXXX XXXX credit reports. We ordered the elimination of this inquiry as we understand there was " trickery and deception '' of the Sears employee who attended us, we await your prompt attention. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Puerto Rico XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details Sears/CBNA Inquiry from  XXXX XXXX, XXXX - Complete Dept. Stores This inquiry could stay on your report until XX/XX/XXXX. See an error? Find out how to dispute a hard inquiry Institution Information No contact information has been reported by this creditor. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Puerto Rico XXXX Phone : XXXX SS : XXXX Email : XXXX Inquiry details Sears/CBNA Inquiry from XXXX XXXX, XXXX - Complete Dept. Stores This inquiry could stay on your report until XX/XX/XXXX. See an error? Find out how to dispute a hard inquiry XXXXnstitution Information No contact information has been reported by this creditor. ** In addition, there are no important data such as address, telephone, institution information, data that are extremely important in these inquiries. 
This is the second advice.

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 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I was XXXX  for 24 days and upon being XXXX I learned my wallet had been stolen from my vehicle in the impound lot, my entire checking account which had just had my entire SSI check deposited electronically was all stolen along with my XXXX  pay card from my employer which 2 paychecks were deposited into that account and was all stolen as well, regions Bank owns XXXX  pay card services and have denied both claims, I have filed police reports like they asked me to, I gave them proof of my XXXX  dates and they have denied both claims, twice now, they are responsible for replacement of my funds, I reported it immediately upon learning of the theft, I have now been put out of the home I just rented because I have not received my funds to pay it, my vehicle is still in impound lot at XXXX/ per day fee, I have lost my home, about to lose my vehicle, I lost my job because I had no way to get there and no place to live, bathe, etc. I'm now on the XXXX  with my 2 cats, I have lost everything fighting with the regions Bank trying to recover my stolen funds to no avail,

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 2020-02-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I was contacted by XXXX XXXX XXXX about a doctor bill I told them I wasnt seen there on that date. They said my grandson name i said he is grown XXXX and i am not responsible for his Bill 's. He moved out my house at XXXX. They put his bill on my credit report. I disputed it and they came back and said it was my debt. He is own his own and grown and I am not responsible for his bill. He has no XXXX and he is a grown working man. I am upset that this collection is on my credit when clearly I wasnt seen on this day nor was I present with him.

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 2020-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I reported fraud to the credit card company and they refused to honor it because they said I was paying my bill on time and that was reason not to honor it.

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 2020-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I received a credit alert that LVNV Funding LLC reported a collection on my credit report. I never had any communication from this company prior to this event. No letters or a single phone call. This has caused stress. I have never had an account with their client and I do not recognize the debt that they are claiming that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I reset my online account password for security purposes. Immediately the site asked me to verify my identity. After several attempts, I called BMO Harris Customer Service Technical Support. They sais " their system is down '' as an explaination, and then hung up the phone. I couldnt help thinking there was internal criminal activity going on.

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 2020-02-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
1 ) The mortgage servicer PHH Mortgage formerly Ocwen Loan Servicing, LLC had accepted and confirmed the submission for XXXX XXXX XXXX loan modification file on XX/XX/XXXX. 

2 ) PHH Mortgage formerly Ocwen Loan Servicing, LLC approved the trial modification on XX/XX/XXXX. XXXX XXXX made an completed all three trial payments dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Ocwen Loan Servicing, LLC, currently PHH Mortgage did not send the final modification agreement ; however, XXXX XXXX always continued to make his payment with fail. 

3 ) PHH Mortgage, formerly Ocwen Loan Servicing, LLC realized in late XX/XX/XXXX that the final modification was not delivered to XXXX XXXX. PHH Mortgage allegedly then issued the final modification agreement in late XXXX and asked for XXXX XXXX to send back immediately. The modification agreement was not delivered within the time requested for document to be returned. Instead XXXX XXXX received agreement in mid to late XXXX. Upon receiving XXXX XXXX then called PHH Mortgage, and explained the situation. PHH Mortgage representative XXXX id # XXXX confirmed with XXXX XXXX that they would accept the final signed agreement because of the mix up and he would have no further problems. 

XXXX XXXX XXXX XXXX returned agreement as instructed and continued to make scheduled payment. However, PHH Mortgage cancelled the modification because, documents were not received per date on agreement ; and set a scheduled sale date. Although PHH Mortgage representative confirmed agreement would be accepted, as it was no fault of XXXX XXXX for the delayed return. 

5 ) When XXXX XXXX contested PHH Mortgage actions his funds were returned, and PHH has continued to push the sale date of XX/XX/XXXX. 

6 ) PHH Mortgage stated they would review and except Final modification once again ; however what PHH Mortgage did was place a new sale date in system for XX/XX/XXXX. 

7 ) PHH Mortgage waited until XX/XX/XXXX to once again deny the Final Modification previously signed and executed correctly. PHH Mortgage did this to keep the position of foreclosure sale date in place for XX/XX/XXXX. 

8 ) PHH Mortgage then suggested to send in new RMA application which they were going to fax and never did. PHH Mortgage stated they would postpone sale date due to the errors on this file ; confirmed by Customer Relations team agent XXXX ID # XXXX of PHH Mortgage. PHH Mortgage has not suspended or postponed sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: IA

Complaint narrative:
I call them XX/XX/XXXX but said not show in the On the record and tell remove from my credit report but keep ignoring that and XXXX XXXX/ XXXX also Jefferson capital LLC and XXXX XXXX XXXX and

Company response to consumer: Closed with explanation