vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-16 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX  CASE # XXXX XXXX XXXX  WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX   FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX  AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX   ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX  RECEIVES XXXX A MONTH SSI XXXX XXXX   HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR XXXX YEARS PAYING XXXX   A MONTH RENT, XXXX HAS RUINED XXXX  REPUTABLE CREDIT. WE ARE ASKING XXXX  TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST XXXX YEARS. WE CAN PROVIDE DOCUMENTS. XXXX   FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX   SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX   THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX  FUNDING WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX   PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX  YOU CAN SPEAK WITH XXXX   AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX  TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.

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 2018-09-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX CASE # XXXX XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX RECEIVES XXXX A MONTH SSI XXXX XXXX HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX A MONTH RENT, XXXX HAS RUINED XXXX REPUTABLE CREDIT. WE ARE ASKING XXXX TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. XXXX FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX YOU CAN SPEAK WITH XXXX AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
**********THIS IS NOT A DUPLICATE ********************************************************* WE ARE ASKING XXXX XXXX XXXX TO REVIEW OUR STATEMENTS WE RECENTLY FILED A COMPLAINT WITH XXXX CASE # XXXX XXXX XXXX WE FILED A COMPLAINT AND IT WAS ASSIGNED TO A INVESTIGATOR XXXX XXXX A XXXX DEALERSHIP IN XXXX XXXX FALSIFIED MY BROTHERS INCOME TO GET HIM APPROVE FOR FINANCING. WE ASKED XXXX XXXX TO PROVIDE US WITH THE ORIGINAL APPLICATION FOR FINANCING BUT ALL THEY SUBMITTED TO US WAS THE CONTRACT. WE ALSO WENT TO XXXX XXXX AND ASKED THE FINANCE MANAGER FOR A COPY OF XXXX ORIGINAL CREDIT APPLICATION THEY WOULDNT GIVE IT TO US BUT THE FINANCE MANAGER DID ADVISED HE HAD A MONTHLY INCOME OF XXXX THAT IS NOT TRUE. XXXX RECEIVES XXXX A MONTH SSI XXXX XXXX HAS RUINED XXXX CREDIT BY FALSIFYING DOCUMENTS TO GET HIM FINANCED. XXXX TRIED TO PAY FOR THIS CAR UP UNTIL HE GOT EVICTED FROM A LOW INCOME HOUSING WHERE HE LIVED FOR 7 YEARS PAYING XXXX A MONTH RENT, XXXX HAS RUINED XXXX REPUTABLE CREDIT. WE ARE ASKING XXXX TO REVIEW THE COMPLAINTS. WE HAVE ARRANGED TO SURRENDER THE UNIT. SINCE THIS LOAN WAS FALSIFIED WE HAVE HIRED A ATTORNEY ( AUTO FRAUD ATTORNEY ) TO ASSIST US WITH THIS MATTER. XXXX IS XXXX   AND ONLY RECEIVES XXXX A MONTH FOR THE PAST 25 YEARS. WE CAN PROVIDE DOCUMENTS. XXXX FUNDING DEPARTMENT SHOULD HAVE PROOF OF HIS LETTER OF AWARD. MY CONCERN HERE IS THAT XXXX SHOWED PROOF OF HIS INCOME TO THE DEALERSHIP WHICH WAS XXXX WITH A XXXX CREDIT SORE. HOW WAS THE UNIT FUNDED BY THE FUNDER WHEN HIS SSI SHOWS XXXX AND THE DEALERSHIP REPORTED XXXX THE FUNDER SHOULD HAVE CAUGHT THAT AS A RED FLAG. UNLESS SOMEBODY IN XXXX XXXX WORKS WITH THE DEALERSHIPS. WE ARE ASKING THAT XXXX PLEASE REMOVE ALL NEGATIVE REPORTING FROM XXXX XXXX CREDIT FILE, VOLUNTARY REPOSSESSION, LATE PAYMENTS DUE TO THIS LOAN BEEN FALSIFIED IT IS A FRAUDULENT LOAN, THE PERSON FROM XXXX ESCALATION TEAM NAME IS XXXX AND HIS NUMBER IS XXXX YOU CAN SPEAK WITH XXXX AS WELL HE REDIRECTED US BACK TO THE DEALERSHIP WE ARE AWAITING XXXX TO PICK UP THE UNIT AND WE WANT XXXX XXXX XXXX TO REMOVE ALL NEGATIVE REPORTING INCLUDING VOLUNTARILY SURRENDER OF THE UNIT.

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 2018-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2018 I used my credit card to rent a car through XXXX XXXX XXXX XXXX. This is my second occurrence of being over-charged by XXXX. However ; on this occasion XXXX customer relations promptly addressed the matter after previewing my filed complaint and the invoice and subsequently credited my account {$44.00} from the originally charged amount of {$110.00}. Which meant my actual bill totaled {$100.00} and the matter was closed due to the amount being paid in full. 
I in this same timeframe disputed the charge with Capitalone my credit card issuers, who upon receiving documentation from XXXX credited my account {$100.00} which I never used for any purchases. Since this charge my monthly finance fees have eaten up this provisional credit. I have asked Capital One why they didn't just bring my balance back to XXXX after discovering the credit from XXXX and seeing that in fact the actual amount to be satisfied had been paid in full which was {$100.00}. Secondly, customer relations representatives made notes on my account reflecting my conversations and the supporting documentation I personally provided via my email address : ( XXXX ). 
It appears to me that by consistently placing this purchase as a recharge every month they can continue adding excessive fees and increased monthly payments which I think is bad business practices. Lastly, no matter how successful I am in paying my credit card on time over the past 8 years I have never qualified for a no interest credit card with no annual membership fees. I believe this is a factor in this current matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
My issue is with my federal school loans being discharged through the Public Service Loan Forgiveness ( PSLF ) Program. XXXX XXXX handles all PSLF applications and have no other way to resolve my issue but through them. I have been eligible for PSLF since the beginning of XX/XX/XXXX. XXXX XXXX  contends that I still have more than 3 years left to pay on my federal loans to become eligible. Their basis for that conclusion is that I consolidated my previous federal loans into one in XX/XX/XXXX, making all previous payments ineligible. My first contention is that I was told several times by the previous loan servicer that the consolidation would have no effect on my PSLF and I was encouraged to consolidate.

My second contention is that ALL my school loans have always been federal loans ( Federal Stafford Unsubsidized/Subsidized, Direct Unsubsidized/Subsidized, Direct Consolidation Loans ). Per 34 CFR 685.219, I have met all the requirements allowing my school loans to be discharged through PSLF. Nowhere in that CFR does it state that consolidating previous eligible federal loans into one federal loan makes previous payments ineligible. This means XXXX XXXX and/or Department of Education ( DoE ) are arbitrarily foregoing what the original CFR states and denying PSLF applications. XXXX XXXX is refusing to acknowledge this error in their assessment of my PSLF application and change course so as to rectify the issue. I have no way to appeal to any other loan service provider and/or to someone who can recognize the multiple flaws that plague XXXX XXXX   assessment of PSLF applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
EXPERIAN RE : BANKRUPTCY DISMISSAL I HAVE BEEN DISPUTING A CHAPTER XXXX DISMISSED CASE WITH EXPERIAN FOR 3 YEARS. MY CHAPTER XXXX WAS DISMISSED BY NO FAULT OF MINE. BUT BY THE JUDGE ( SEE ATTACHED IN MY EXPERIAN FILE ) I SUBMITTED LAST MONTH. THE JUDGE DISMISSED DUE TO INACCURATE AND TIMELY FILING OF PAPERWORK FROM THE ATTORNEY XXXX XXXX. AND HE DISMISSED MY CASE BEFORE THE HEARING. AND REFUNDED ME ALL MY MONIES I SUBMITTED COPIES THRU CFB COMPLAINT LAST MONTH EXPERIAN SHOULD HAVE THE COPIES IN MY FILE. HOWEVER EXPERIAN STATES IT STILL HAS TO REMAIN ON MY CREDIT FOR THE DESIGNATED TIME PERIOD I AM REQUESTING THAT SINCE THIS BANKRUPTCY WAS DISMISSED AND NO HEARING TOOK PLACE THAT EXPERIAN DO THE FOLLOWING SINCE THEY WANT REMOVE. 

ADD A AMMENDUM ON MY CREDIT FILE STATING ( BANKRUPTCY NEVER TOOK PLACE )

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 2018-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc.
State: CO

Complaint narrative:
I have repeatedly stated that I was on XXXX. Not XXXX, both the medical Bill 's are paid. Plus, this collection agency is in violation of HIPAA rights. They cant provide me with my original bills I want these petty medical Bill 's removed permanently from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: EQUIFAX, INC.
State: NV

Complaint narrative:
RE : XXXX XXXX : BACK IN XX/XX/XXXX XX/XX/XXXXI WAS RESIDING IN XXXX XXXX XXXX I HAD RECENTLY MOVED IN TO THE COMPLEX IN XX/XX/XXXX. MY MOTHER PASSED AWAY AND I WENT INTO THE OFFICE AN SPOKE WITH THE RESIDENT MANAGER. I ADVISED HER MY MOTHER PASSED AWAY AND THAT I WAS MOVING BACK HOME TO CARE FOR ELDERLY FATHER. I PAID A SECURITY DEPOSIT WHEN I MOVED IN NOT SURE OF THE AMOUNT TO THE DIME BUT IA PAID OVER 1000.00 TO MOVE IN AND I GOT A MOVE IN CREDIT FOR XXXX. I EXPLAINED TO THE MANAGER THAT I HAD TO BREAK MY LEASE DUE TO MY MOTHERS PASSING I EVEN BROUGHT A OBITUARY BACK TO HER. IN XX/XX/XXXX SHE ADVISED SHE WILL WORK WITH ME AND I WOULDNT BE RESPONSIBLE FOR THE REMAINING OF THE LEASE. SHE ADVISED I SHOULD BE GOOD UNLESS THERE WAS DAMAGES. I MOVED THEN LATER ABOUT A YEAR XX/XX/XXXX I SEE THIS ON MY CREDIT REPORT FOR OVER 1000.00 THIS AMOUNT IS INACCURATE. I HAD A CREDIT FOR MY DEPOSIT AND THE AMOUNT I SHOULD OWE IS XXXX   FOR THE CONCESSION I RECEIVED UPON MOVE IN. I LEFT THE APARTMENT CLEAN NO DAMAGES AND CLEAN CARPET. NOW THEY ARE COMING AFTER ME WITH INACCURATE CHARGES. AT FIRST WHEN I SEEN THIS ON MY CREDIT REPORT AS OLEN PROPERTIES I WASNT SURE IF IT WAS A PREVIOUS PROPERTY MY DAUGHTER RENTED IN MY NAME WITHOUT MY KNOWLEDGE SO I DISPUTED AS FRAUD. I AM DISPUTING THIS DEBT DUE TO INACCURACY I WILL PAY THEM THE XXXX AND NOT A DIME MORE. THEY KEPT MY SECURITY DEPOISIT MY BALANCE SHOULD REALLY BE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
RE : XXXX XXXX  : BACK IN XX/XX/XXXXXX/XX/XXXXI WAS RESIDING IN XXXX XXXX XXXX I HAD RECENTLY MOVED IN TO THE COMPLEX IN XX/XX/XXXX. MY MOTHER PASSED AWAY AND I WENT INTO THE OFFICE AN SPOKE WITH THE RESIDENT MANAGER. I ADVISED HER MY MOTHER PASSED AWAY AND THAT I WAS MOVING BACK HOME TO CARE FOR ELDERLY FATHER. I PAID A SECURITY DEPOSIT WHEN I MOVED IN NOT SURE OF THE AMOUNT TO THE DIME BUT IA PAID OVER 1000.00 TO MOVE IN AND I GOT A MOVE IN CREDIT FOR XXXX. I EXPLAINED TO THE MANAGER THAT I HAD TO BREAK MY LEASE DUE TO MY MOTHERS PASSING I EVEN BROUGHT A OBITUARY BACK TO HER. IN XX/XX/XXXX SHE ADVISED SHE WILL WORK WITH ME AND I WOULDNT BE RESPONSIBLE FOR THE REMAINING OF THE LEASE. SHE ADVISED I SHOULD BE GOOD UNLESS THERE WAS DAMAGES. I MOVED THEN LATER ABOUT A YEAR XX/XX/XXXX I SEE THIS ON MY CREDIT REPORT FOR OVER 1000.00 THIS AMOUNT IS INACCURATE. I HAD A CREDIT FOR MY DEPOSIT AND THE AMOUNT I SHOULD OWE IS XXXX   FOR THE CONCESSION I RECEIVED UPON MOVE IN. I LEFT THE APARTMENT CLEAN NO DAMAGES AND CLEAN CARPET. NOW THEY ARE COMING AFTER ME WITH INACCURATE CHARGES. AT FIRST WHEN I SEEN THIS ON MY CREDIT REPORT AS XXXX XXXX I WASNT SURE IF IT WAS A PREVIOUS PROPERTY MY DAUGHTER RENTED IN MY NAME WITHOUT MY KNOWLEDGE SO I DISPUTED AS FRAUD. I AM DISPUTING THIS DEBT DUE TO INACCURACY I WILL PAY THEM THE XXXX  AND NOT A DIME MORE. THEY KEPT MY SECURITY DEPOISIT MY BALANCE SHOULD REALLY BE XXXX

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 2018-09-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NV

Complaint narrative:
In XX/XX/2017 I submit a complaint regarding two medical bills from CMR Financial, one of them was paid for my medical insurance and the second medical bill I made a payment arrangement with the company, and was told from them if I make payments on time they won't report to the credit agencies but was my surprise they reported the two accounts in my credit report, right now appears in my credit like derogatory of course the accounts has XXXX balance, because like I said before one of the accounts was their fault to report something that was paid, I proved with all the documents that I was right, and then they removed the balance from that bill, but still they reported to the credit companies.

The amount of the bill was {$6600.00} Member rate : {$1200.00} I just had to pay my coinsurance of {$200.00} plus my co payment of {$200.00} that was the money I paid for {$400.00} and made a payment arrangement of {$5000.00} a month that was paid long time ego

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  Walmart These were just a few I noticed I didn't apply for called company didn't remove

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 2018-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Time after time this is a never ending battle with Select Portfolio Servicing to receive a loan modification. Im still having issues and have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review.

As soon as it seems like we are moving forward with the review process they are in need of something else. Finally they said they have all requested documents in their Ombudsman department.

SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
XXXX XXXX XXXX  American Express XXXX  These were just a few I noticed I didn't apply for called company didn't remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-16 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: NC

Complaint narrative:
One main XXXX XXXX XXXX XXXX These were just a few I noticed I didn't apply for called company didn't remove

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: All State Credit Bureau, Inc.
State: SC

Complaint narrative:
There has been multiple hard and soft credit pulls on me that was not authorized by me. I do have the XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
The employer info is also correct. There are also several address listed that I have never lived.

Company response to consumer: Closed with explanation