vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: CA

Complaint narrative:
We emailed to Dovenmuehle Mortgage Servicing an application for mortgage assistance to complete a short sale onXX/XX/XXXX. The emailed included paystubs for 30 days, bank statement for 3 months, hardship letter, XX/XX/XXXX tax returns, purchase agreement, listing agreement and estimated HUD 1. I called to make sure the documents were received and I was told I had to wait 5 days for review. I called again 5 days later and I was given a list of more documents to submit and I was also told the Borrower needed to explain deposits on Bank statements, at this point I was told the short sale workout would not be opened until all the documents were returned. I submitted more documents on XX/XX/XXXX and XX/XX/XXXX. I submitted 2nd year tax returns, more bank statements, more paystubs then 3 days later I receive  another call telling me I need other explanation letters, lease agreements from non-occupying borrower, more bank statements from a savings accounts and more paystubs and still the bank has refused to open a short sale workout and postpone the foreclosure sale date even when they continue to review and ask for additional documentation not included in the original application instructions. Every time we return documents then they ask for more update documents, its a never-ending process. I need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: U.S. BANCORP
State: PA

Complaint narrative:
Elan Financial stole my {$300.00} deposit. The company stole my account information charging hundreds of dollars to my account. The Fraudulent actions resulted in illegal charges of {$140.00} dollars in financial charges, XXXX dollars of fees and the dilution of the security deposit. <P/>This company has illegally submitted negative information to the credit report agency. The company has diluted the security deposit ( {$300.00} ) but, states on the credit report a balance including the {$300.00}. <P/>The previous complaint has n't resulted into a sensible response. The company has admitted to not researching the Fraudulent charges that was made my their employees in a timely fashion. The company previously admitted to illegally charging finance and annual fee to the closed account. Lastly, Elan Financial stole the account deposit without submitting the legal federal paperwork. The security deposit account was in my name with US Bank,  this company dilute the account without filing papers with the court.

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 2017-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters but they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the  Presidents of the  companies via email ( all who had a Representative call me very quick ly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said that they were mine but without any form of verification.

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 2017-05-31 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
After reviewing my credit report I noticed that there were inquiries on my report that had n't come from me. I tried calling the companies and they said that I needed to contact the bureaus. I called the bureaus and sent multiple inquiry letters b ut they refused to investigate and remove the inquiries. They said that the burden of proof was on me and I needed to contact the creditors. I even contacted the Presidents of the companies via email ( all who had a Representative call me very quickly ) but still did n't get results. I sent 609 letters requesting signed proof that accounts that I did n't recognize that the bureaus are reporting belong to me and each bureau just said  that they were mine but without any form of verification.

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 2017-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Mathematica  lly, the best way to reduce the amount of interest I pay on my portfolio of loans is by paying the minimum balances on the lowest interest loans and allocating the rest of my payment to the highest interest loan. This is known as the " avalanche '' repayment method.
If you submit a monthly payment to Navient online that is larger than the minimum payment, Navient simply allocates the surplus evenly across the portfolio of loans. Anyone who understands the compounding interest formula will know that is the best way for Navient to maximize the amount of interest it collects from its users.
<P/>
Navient does not current  ly allow its users to utilize the avalanche repayment method through its online interface. The only way to do this is by physically mailing them a monthly check with handwritten instructions for payment allocations. In  XXXX , this is a pure evil.  <P/> I reached out to  Navient  about this in the fall of  XXXX , but they did not take my feedback seriously as the functionality is still not there for avalanche repayments online.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: WA

Complaint narrative:
I have tried numerous times t o reach OCWEN to be told that I have to wait on hold for a number of callers in front of me. When my turn arrives, the automated system disconnects my phone call. I regularly wait in excess of 50 minutes, just to be disconnected. Today, I waited 53 minutes to be told by a recording that the offices were " now closed '' even though  it was  XXXX  and the recording said the office hours were until  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
We first submitted our first modification application with the assistance of the housing counseling agency XXXX XXXX XXXX , XXXX We submitted a complete package on XX/XX/XXXX for  the HAMP modification before the XX/XX/XXXX deadline. Then for the next 3 months they asked us questions about the income. On XX/XX/XXXX we submitted a Profit and Loss statement for our XXXX Income. Then they asked us for a monthly profit and loss statement which we submitted on XX/XX/XXXX, which was within 7 days of being requested. <P/>Ok then we submitted a new profit and lost that included the first quarter of XX/XX/XXXX. Then they told us they did not understand that the XXXX Income was Income. Then they said that we had to submit a new package due to the age of the information. We submitted a new package only to be told that we now are not eligible for the HAMP modification because it is after the date. <P/>We believe SPS held out the documents just so we could be outside of the HAMP Modification guidelines and deadlines. We are being pushed out of our home because we can not make the back payments. We can make the current payment but we can not make double payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
A {$19000.00} credit card was issued  by Fifth Third Ba nk in the name of  XXXX   XXXX   XXXX . This card was not requested by my  wife (   XXXX   XXXX   XXXX    ) and the first name is even spelled incorrectly.
<P/>
I called Fifth Third (    XXXX / XXXX /    2017 ) as soon as I saw the documentation that a card had been issued and that a change of address was processed for the card.
<P/>
Fifth Third blocked the account but now wo n't be accountable for removing the credit report info. They want me to take care of that even though Fifth Third is completely responsible for issuing the card. The credit report shows where Fifth Third made an inquiry   and then later issued a card.  <P/> I think the bank should back out the card from my credit report and not force me to get on  XXXX  numbers to credit bureaus to fix their incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax was reporting incorrect info on my credit report and this problem was very difficult to communicate with on the phone.       XXXX   and   XXXX   removed the incorrect information while  Equifax  did not.     I also believe they are implementing fraudulent business practices by advertising a low introductory rate on their website and then giving an error code after you submit your request. Then when you call the number they give for assistance they tell you they can only give you a higher rate over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I am continuously receiving phone c alls from MIDLAND FINANCIAL DEBT COLLECTORS from MULTIPLE phone numbers. I have REPEAT EDLY asked them to NO LONGER call me and correspond with me v ia U.S. Mail. They CO NTINUE to call me at ALL hours of the day from  XXXX  EST -  XXXX  EST. They repeatedly disregard my request to correspond ONLY with Mail and that they are harassing me. I have blocked every number from them. Here  are a few of the numbers they have called me from with dates and times. This is just in the last TWO  WEEKS :  XXXX  -  XXXX   XXXX , MI -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX ,  XXXX / XXXX / 17   XXXX  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NJ  XXXX / XXXX / 17  -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX   XXXX , CO -  XXXX / XXXX / 17   XXXX   XXXX  -  XXXX , NV  XXXX   XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX   XXXX  - Unknown  Location  -  XXXX / XXXX / 17   XXXX   XXXX  - Unknown Location -  XXXX / XXXX / 17   XXXX ,  XXXX / XXXX /   17   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am a co-applicant on a private loan with  Navient (  XXXX  ). I wo uld like to know, if I am held responsible for this debt as much as the applicant why do n't I have a say in what goes on with the loan ( as far as skipping payments or paying interest only ). I have never had any contact with anyone asking if the payments could be interest only. I think after they have given the applicant the authority to change their payment options, the loan should fall only on the applicant. Could you please help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: AL

Complaint narrative:
SOMEONE APPARENTLY TRYING TO GET SOMETHING AND USING MY SS # DUE TO THE AMOUNT OF INQUIRIES ON MY REPORTS I DID NOT AUTHORIZE THESE INQUIRIES

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 2017-05-31 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
on X/XX/2017, an inquiry was reported to my credit report with the following information : Creditor Type : Check Cashing Service Inquiry Date : X/XX/2017 Creditor Name : XXXX XXXX Creditor Address : XXXX XXXX XXXX XXXX, XXXX Utah XXXX Creditor Phone : XXXX I did not apply or contact XXXX XXXX or give them my information. I am not sure how they got my information, but I have concerns that my identity may have been compromised or XXXX XXXX obtain my information and using it inappropriately.

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 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Appeal was sent to lender : Not review  for HAMP lo an when application received by lender on  XXXX / XXXX / XXXX  but no decision made until  XXXX / XXXX / XXXX  - review of HAMP decision not defined or even mentioned.  <P/> Attaching denial we received fro  m Ocwen.
<P/>  Please consider this correspondence to be formal notice that our mutual client is hereby appealing the denial of loan modification because your company failed to evaluate this borrower for all loss mitigation options available in violation of Regulatio  n X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ).
<P/>
The denial letter that you provided indicates that your company failed to evaluate this borrower for HAMP Tier II or an equivalent program that should have been available as an option. Please re-evaluate this borrower for all mandated and in-house loss   mitigation options.

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 2017-05-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
SOMEONE OPEN UP A   XXXX   XXXX    ACCOUNT  USING MY SOCIAL SECURITY NUMBER AND DATE OF BIRTH BUT THEY USED THE NAME    XXXX   XXXX    WHICH IS A FEMALE  XXXX , I AM   XXXX   XXXX  . I SENT POLICE REPORT TO EQUIFAX AND  XXXX  SHOWING WHERE MY IDENTITY HAD BEEN STOLEN AND THIS WAS FRAUD AS WELL. NEITHER BUREAUS HAVE REMOVED FROM MY CREDIT FILE THIS IS NOT MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: MD

Complaint narrative:
I have submitted several letters with all  XXXX  major credit bureaus in reference to an account they are reporting with  XXXX   XXXX   XXXX . Originally the creditor had the account listed as settled less than full balance that was not correct so a dispute was sent. I sent a letter to  XXXX  and they provided me with a letter stating the account was settled in full. I provided this to all  XXXX  credit bureaus but instead of correcting the problem they just added account meets FCRA requirements.

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 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I went to Experian.com to obtain my free annual credit report. I was charged {$1.00} for the credit report. I paid what I believed was {$1.00} fee. I assumed it was the current  rate for an online one tim e review of annual credit report. I used a card that I exclusively use for managing miscellaneous expenses. On,  XXXX   XXXX ,  2017 , Experia n *CreditRep______CA c harged my accou nt ( {$23.00} ) which left my account with a balance of {$0.00}. I contacted the company twice to rectify the matter. The only option they gave was cancellation of the membership that I did not sign up for. During my 2nd call, the gentleman told me by paying the {$1.00}, I was paying for a trial membership and the trial membership expired ; therefore, he can not refund the money Experian withdrew from my account and refuse t o refund despite my plea to assist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MD

Complaint narrative:
I have on several different occassions try and reconcile this matter with this company. I was not in the   XXXX   XXXX   on the date of service this company is alleging. I have sent several requests asking them to provide me with some documentation that I signed that would implicate me being present on this date of service. They failed to provide me any documentation. Whenever I go to the   XXXX   XXXX   or doctors office I always sign something for a consent to treat or an insurance form. This company can not and did not provide me with anything.They failed to provide me with a proper invoice. They typed up an account on their company letter head with the information they want me to believe is factual according to the conversations I have with this company they are not the original creditor so how are they providing me with an invoice on their letterhead anyway? Makes no sense.

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 2017-05-31 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX does not investigate discrepencies in my report. the errors that I have requested be investgated fail to looked at. additionally there is XXXX point difference in FICO score compared to XXXX and Experian. when I call the XXXX number they hang up on me. additionally they have advised me that I must pay to get an updated fico score and report update. Experian continues not give me one update they dropped my fico score XXXX point for no reason! <P/>This is not a duplicate do not cancel this submission it is not a duplicate experience continues not to investigate my discrepancies they fail to notify me of any changes they have requested additional information meeting my name and Social Security number which you have provided this is unfair treatment to a consumer and consumer finance group should be responsible in pursuing this on ethical corrupt company

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