vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The reason I am filing this complaint is due to the fact that I believe that I am not being given proper consideration to avoid foreclosure on my home. I initially attempted to seek all retention programs in effort to keep my home but was advised by SLS that my account is not approved for consideration and could not supply any financial information to be reviewed for an option to keep my home such as a modification. However, I was told that they would allow me to sell my property through a short sale program. I followed their instructions and listed my property for sale. As of XX/XX/ I received over 6 offers on my property however ; SLS refuses to allow us to the opportunity to submit them although they specifically told me that they would consider all offers provided I list my property for sale. This is devastating to me because I already felt I was forced to sell my home due to the fact that they would not review any documentation for consideration of a retention program especially given that I wanted to keep my home and can afford it. My hardship has been fully resolved. So, to get to a point acquiring several offers to be only told they would not be considered is a huge blow. 

As it stands, we have a full priced offer at {$680000.00} and I am requesting that SLS allow my respective listing agent to submit the offer to the short sale department for consideration.

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 2020-03-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I received a delinquent notice that XXXX sent me to collections on a student loan that I never was behind or late on. I graduate from XXXX University in XX/XX/2019 and was a student when XXXX reported me for being out of school since XX/XX/2019. I spoke with XXXX and was told to submit an enrollment verification from XXXX University to them and they would remove the 90 day delinquent notification on my credit report and they reevaluated my time in school. I received a letter from XXXX  that stated I was in the grace period until XX/XX/2019 yet it shows that as of XX/XX/2019 on my credit report that I was 90 days late on my student loan repayment. How is this even possible when I was in a grace period and the letter I received from XXXX  shows that I was not late or at risk of being late yet they refuse to take this off of my credit? I shouldn't have this remark on my credit report and was told in XX/XX/2019 that XXXX would remove this yet they haven't and now I submitted the paperwork to Experian and they refuse to remove it from my credit. My credit scores dropped over 100+ points in XX/XX/2019 and I have not been able to get them back to the state of over XXXX  like it was in XXXX/XX/XX/2019. I want this immediately removed from my credit report and XXXX  to be held accountable. I also know that when I looked more into the issue with XXXX   and they have class action lawsuits for this very reason and I don't believe that their inability to take responsibility for their errors should be placed on me.

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 2020-03-08 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: FL

Complaint narrative:
XXXX, experian and XXXX  has inaccurate information on my credit reports. they refuse to delete. this information is not mine and has been deleted from the other credit bureaus

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 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I had a credit card with XXXX XXXX that went into collections 6 years ago. They have reported the debt as new multiple times, causing it to be on my credit as a new debt for the third time. Ive disputed with them the dates of my account and was told well we can do what we want. They have called me up to 5 times a day, between humans and robo calls. They also called family members and an ex-husband who I havent had contact with for 4 years and told him I had a personal debt. My debt was reported again XX/XX/2019 as a new collection account after I disputed the dates of the previous account. They continue to robo call me everyday, multiple times a day. Its harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
ARS ACCOUNT RESOLUTIONS HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE. THEY REFUSE TO DELETE. I DO NOT HAVE A WRITING CONTRACT BETWEEN ME AND ARS ACCOUNT RESOLUTION. FOR OWING ANY SUCH DEBT OR COLLECTIONS.

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 2020-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CT

Complaint narrative:
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX Mr Cooper Mortgage Services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan # XXXX COMPLAINT On XX/XX/XXXX, XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT XXXX submitted a complaint against Mr. Cooper Mortgage Service, Texas. In response to your intervention, Mr. Cooper reopened the judgment two times. According to the bank to give our case consideration for a modification of loan. Mr Cooper never followed through to request financial documentations to do a loan work out. It was a delay tactic on the part of the bank to get your agency off their back. The primary objective of the bank is to execute a strict foreclosure on the loan. The original loan in XXXX was {$400000.00}. The bank wants to foreclose the mortgage to the amount of {$900000.00}. That is for a tax write off for the bank. TheLoan was declared a predatory loan by the judge. The interest rate has adjusted up to 14 %. 

Mr Cooper is now scheduled for Auction date XX/XX/XXXX, and XX/XX/XXXX as our law day. We are requesting your intervention on our behalf. We need to stop Mr. Cooper 's actions. Mr. Cooper needs to explain why they have not followed through with their promise to review our loan for a modification. We have the financial qualification for a loan modification. Both me and my wife have been in our current jobs for over seven years. ( Please see motion to open judgement and extend law date by the bank Mr.CooperXXXX XXXX . You can see that the bank has used the delay tactic for deception and manipulation to their advantage. Please read Mr. Cooper/XXXX XXXX motion to open judgement and extend the law date on XXXX XXXX. The court document stated that the bank wanted to reopen the judgement and extend the law date to pursue a modification review workout. They never followed through and requested any documents from us. 

We put our house XXXX XXXX XXXX XXXX up for sale, and we found a buyer and got an offer and contract on the house. We hired Attorney XXXX through the recommendation of our realtor, XXXX XXXX. The attorney worked hard on the file, sent every requested document to the bank through the equator. Please see the letter written by the bank on XX/XX/XXXX, claiming that they never received the paperwork. 

In hope that your office will take action to stop the short sale, and make the bank offer us a modification consideration. We thank your office in anticipation. Sincerely, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My account has been too old to be on my credit report so I want it to be removed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am a XXXX  father with an XXXX  son. I constantly need to buy clothing for my son. One of the stores I frequently visited was Carters. Almost every time when I paid for my merchandise, the cashier tried to convince to apply for a Carters credit card. They gave me a number of reasons for having the credit card, such as discount on the first purchase and accumulated credit points for subsequent purchases. I declined and I told them I did not want to carry any overlooked balances on my credit card. They latter assured me that would not be a problem because I could pay off immediately any credit card balance at the point of purchase with cash. I told them I would have the card if that would be the case. Thereafter, I paid cash every time I made any purchases. Nevertheless, in XX/XX/XXXX, I received an invoice from Carters with an overdue balance of {$45.00} on an original purchase of {$21.00} made on XX/XX/XXXX. That is, there was an additional charge of {$23.00} ( penalty plus interest ) on the top of the {$21.00} purchase. I called Carters and complained. A person from Comenity Bank ( the finance partner of Carters ) answered and asked me if had any proof of paying the original payment of {$21.00} at purchase. I told her that this was a small amount and I possibly paid cash and might not be able to locate the receipt even if I kept it. However, I was sure I paid the {$21.00} before they allowed me to leave the store. Further, that was what I did all the time. The Comenity bank person said that they would investigate. However, they kept mailing me letters asking me to show them proof of payment of the original purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-08 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In XX/XX/2020 I had 2 inquires reported. I reported fraud about these inquires I didn't apply for credit. Experian score before the inquires placed on the credit report was XXXX. After the inquires placed the score went down XXXX. I called Experian and disputed the inquires. They deleted the inquires and my score still XXXX. I called them to inquire and they had nothing to say.

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 2020-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
XX/XX/2019 my vehicle was totaled out and the account was closed and the car was basically paid off but it's on my credit as a closed account

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 2020-03-08 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: MD

Complaint narrative:
I have tried Everything! 

I contacted Equifax directly via mail, via phone for the last ( 4 ) months. 

I was faced with a level of frustration, as there were language barriers ( calls being routed out of the US ), also Equifax put an investigation on Accounts, ( taking down my score ) and when I called the Rep did not understand. I tried writing both XXXX  and Equifax. to be clear, I simply requested removal of these per my circumstances outlined here in this complaint. 
I have ( 2 ) negative accounts showing open, ( XXXX  is the name of the ( 2 ) accounts showing collection status in my credit report. I have tirelessly written letters to the company and to Equifax to get these negative remarks removed. 

I was informed by Law Enforcement, that a Former Property Manager, where I lived, was XXXX XXXX XXXX XXXX that involved utilizing my social security number and personal information. Also my information may have been sold in the black market, I had to contact XXXX, and XXXX about fraudulent purchases. 

I have tried everything! 

The Accounts are : XXXX  {$1000.00} and XXXX  {$1300.00} These collections are showing a high impact on my credit score and credit report preventing me from moving forward with Employment and Education.

Please Help. Thank you for your services and expertise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
The company called and I said to stop calling but they just ignored me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2020-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My XX/XX/XXXX, Bank of America credit card statement had a New Balance Total of {$4400.00} with a Minimum Payment Due of {$44.00} by XX/XX/XXXX. On XX/XX/XXXX, I initiated a {$4700.00} balance transfer from my BoA account to my XXXX XXXX account. The transfer posted to my BoA account on XX/XX/XXXX. I also had autopay setup through BoA 's bill pay system, and it autodrafted my previous account balance of {$4400.00} on XX/XX/XXXX. This meant my XX/XX/XXXX BoA statement had a New Balance Total of - {$4300.00} with a Minimum Payment Due of {$0.00} by XX/XX/XXXX. The Important Messages section on Page 4 of the statement clearly says " You have a credit balance and do not need to make a payment on your account. '' I did not routinely check my BoA account or bank account after verifying the balance transfer had posted, so when I noticed this draft from my bank account I was very upset and called BoA. They indicated they had no control over the e-bill system and didn't know what had happened. I requested they refund the payment, which they finally did on XX/XX/XXXX. I verified the money was back in my bank account and didn't think anything else needed to be done. On XX/XX/XXXX, I tried to use my BoA card online and it was denied. When I logged into my account, it showed my account was past due and that I had missed a payment. I double checked my XXXX statement and verified it showed {$0.00} minimum payment due by XX/XX/XXXX. At this point I was very upset, so rather than call BoA I used their online chat system. I believe the representative I dealt with was XXXX. She initially said I'd missed a payment, then after 30 minutes of back and forth explaining the situation to her, she credited the {$25.00} missed payment fee, and said she had fixed the account. 

I assumed the issue was taken care of until I tried to use my card online today and it was once again denied. This time I called BoA and had to go through the whole scenario again. The first rep explained that I'd missed a payment in XXXX that was caused by BoA refunding my XXXX payment. I explained my XXXX statement shows there is {$0.00} due so there was no way I could have missed a payment. I finally asked to speak to her supervisor. The supervisor looked at the account, noted that the {$25.00} had been credited on XX/XX/XXXX, but then said I should have made a minimum payment in XXXX and that there was nothing she could do about it other than take a payment today. I once again pointed out the XXXX statement and she told me that you have to make a payment every month, which is ludicrous.

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 2020-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My now x husband stop paying the mortgage XX/XX/XXXX and I was not notified until XX/XX/XXXX {$2600.00} behind. I asked why was I not told they said they did not have my info. I am not the co buyer and by law the have to keep me informed of this mortgage and if they don't have my info it is there fault need to my I spoke to several lawyer and was told that is against the law and I hired one to sue. They found me a year letter to send the letter which show that they could find me. Now I'm in  forclosue band they have a sell date. I got papers the end of XXXX stating they were going to restart the forclosue and I called on the 6th with a company to help my with this problem and was told about the sell date. Again if I had not called I would not no that the forclosue was started the letter said they are going to the court to start and to this point I have nothing in writing saying I'm in forclosue or they have a sell date so I would not know I have to do something to stop this like I'm saying Navy Fed does what they want and I suffer for it because I never know what's going. They can forclose for non payment and the law helps but no one says anything about me not knowing they were not getting paid nor did I have the option to pay cause I did not know. They use to take the payments out if my cheacking account but they stopped so I thought it was being payed. I had XXXX at on time XXXX another time and they took nothing after telling if the money was in the account they would but they did not even tell me anything until the money was gone GO FIGURE. I'm not stupid they know when I have money and when I don't. They go to the court like I'm a dead bet not paying my bills and it's working no one knows I did not know to pay thats why I am sueing because again I was told their actions on not legal. If the people that I'm working with now had not called they could sell my house before I could do anything. They do not do truthful or honest work. I did not no my x stop paying because the note was a draft from his paycheck so I had no way to track it but again no way one told me he wasn't paying and they were not pulling from my account which they said they would so I thought everything was good.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: CA

Complaint narrative:
I have never applied or received a credit card from XXXX  XXXX  XXXX  on the dates shown.I have never used such card or ever had a delinquent payment with such bank because I dont have a XXXX XXXX   credit card

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 2020-03-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-08 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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