vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
In XX/XX/XXXX, I was in an auto-accident and could not return to work until I was released by my doctors on XX/XX/XXXX. Due to these unforeseen circumstances, we have fallen behind with our mortgage payments. However, my husband has worked contiguously before and during this time ( and he is still employed ). I have requested a loan modification twice since XX/XX/XXXX. For the first loan modification request, the company claimed they mailed me a letter on XX/XX/XXXX asking for further information. I never received this request for the items listed in the XX/XX/XXXX letter. However, I continued to send other required/requested documents through XX/XX/XXXX. I never received a communication stating I was officially declined for my modification request -or- the language in their letters is very confusing, unclear, and/or does not explicitly express a declination. 
I have replied to each of their requests via mail, e-mail, or fax. Please see the attached files. 
I received a letter from XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX, UT ), dated XX/XX/XXXX stating my loan had been referred to their office and they were giving me notice pursuant to 15 USC 1692g. I immediately contacted the company and they claimed I was denied for my first loan modification due to the missing documentation. I have been working with the company ( not the attorney ) on a second loan modification request. I have emailed documents six ( 6 ) times for the second request and I call the company at least once a week, if not more, trying to understand what else they will need to consider my application a " complete loss mitigation package ''. 
I continue to get varying answers and they are rarely straightforward. I feel as if I am being given " the runaround '' intentionally. I don't know where else to turn or what more I can do to save my home. I am trying every avenue with the company, but I continue to receive push-back. Additionally, some ( not all ) of the representatives have been unhelpful and borderline abusive when I contact them to confirm receipt of documents or with follow-up questions. The representative I spoke with today ( XX/XX/XXXX ) insinuated I had damaged my home or property during the loan mod. process. Everyday, brings more concern of a foreclosure occurring, because they still have not marked the application as " complete ''. It seems as if the company is doing this because of the increases in the housing market and they would rather resale than help us save our home, as a way to make a profit on our loss. 
My husband is a Veteran, we are both in our XXXX  and hoping we can save our home to enjoy during our retirement. 

Thank you in advance for your assistance, CFPB.

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 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Accurate Background
State: CA

Complaint narrative:
To whom it may concern : In XX/XX/XXXX of this year, a friend of mine suggested that I take a short trip to the local XXXX XXXX  retail location, and talk with his " friend '' about a part time employment opportunity. Right then and there we got in the car, arrived at the location in XXXX, CA, and I met with the manager " friend '' We like one another, he then asked me to come back for a " short interview '' and about three days later I did just that. We spoke for a matter of minutes, and we mutually decided that this was a go. At that time, I went to a computer as provided in the store, and completed a quick questionnaire, that was obviously going to lead to a background check. 
Since I have a license to XXXX XXXX with the XXXX, as well as the California Department of XXXX XXXX, both of which performed extensive background checks prior to enabling me to qualify for and receive the licenses, I saw no problem with the background check as requested by XXXX XXXX  ... and provided by a firm by the name of Accurate Background. Before I go any further, I would like to add that every time ( such is sometimes necessary in this industry ) I changed XXXX companies/employers, they also pulled background checks. Each and every time, there was never a problem. 

Unfortunately, after applying for this part time position ( a position that I would still like to have as a supplement to my income ) Accurate Background supplied a background check to my employer to be, and the data contained ( including but not limited to my DATE OF BIRTH were grossly INaccurate. 

In essence, the report that they supplied was so far from reality, that I can easily understand why XXXX XXXX ( after several weeks ) decided that they wanted nothing to do with me. As an example, I had a dui almost 8 years ago, no injuries, an unfortunate event. However, they reported me as doing XXXX  time for some 300 plus days ... I did not spend one day in XXXX. Naturally your average individual who reviews a background check and sees that this person ( allegedly/incorrectly ) spent nearly a YEAR IN XXXX, must have done something very bad. 

As I stated via the click throughs, I have attempted to get clarity with Accurate Background all to no avail, other than the fact that they corrected my birthdate! 

I had what I and the manager thought was a turn key opportunity to make some money, realize a ( albeit nominal ) benefit package ) however, because of a highly erroneous report, I was denied employment. 

Lastly, my concern ( s ) go further than just this specific lost opportunity, I am also concerned about the ( probable? ) collateral damage this report may have / may cause going forward. 

Thank you in advance for your consideration! 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XX/XX/2018 i was served a summons to appear in court for a collection account with XXXX XXXX. The judge granted the collection agency 2 continuances so they could gather more information. In XX/XX/2018, i sent a certified letter to XXXX XXXX asking for validation of the account. They sent copies of a statement, which was not validation. By the end of XX/XX/XXXX, the collections were removed off my credit report. 

I had a court date XX/XX/2018 with XXXX XXXX, whos only proff of validation was a few billing statements. I repeatedly asked for a more detailed list of items, because i did not recall having this account. I also explained how i send a certified letter asking for validation and that the collections were removed from my credit report. XXXX XXXX also could not tell me if the dent was from an XXXX XXXX XXXX or an XXXX Credit Card. The judge still ruled in XXXX XXXX favor although they had no information validating that the account was mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The company XXXX CONTINUES to report on my credit bureau stating I owe a debt that I am not aware of. I have sent them numerous letters stating that I need to has this verified in order to determine that these alleged debts are owe by me. They sent me an account summary which shows nothing about me opening these accounts. I asked them to send me the consumer contract with my signature on it so I can see if that is my signature. They have failed to do so and from my understanding under the FCRA a 3rd party collection agency should have that information and they have failed to provide me with the info and continue to place this alleged debt on my profile which is hindering me from utilizing my credit. They stated that these accounts were made online, without my signature how could someone just open an account with my authorization online and they hold me accountable and they cant verify that it is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have notified XXXX, Trans Union, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.

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 2018-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Credit & Finance, Inc.
State: CA

Complaint narrative:
XXXX was my original creditor. Due to financial distress, I could not make payments as agreed, and the account was sold to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. 

I spoke with a representative about my account XX/XX/XXXX, and we had agreed to cut the balance in half ( original {$3600.00} down to {$1800.00} ) and to set up a biweekly payment plan of {$35.00} to be settled in full by XX/XX/XXXX. I see that every 2 weeks, payments are still being deducted. When I call they claim an amendment never existed, and do not see a record of the call. I was told the balance owed is still {$2100.00}, and not the {$350.00} I had assumed I had agreed to. 

I spoke with XXXX ( ext XXXX ) on XX/XX/XXXX, who was really kind, and said she'd review recorded calls for the dates I specified ( XX/XX/XXXX to XX/XX/XXXX ). She said I should hear back within an hour, but I do not understand why a record of my call and the contents do not exist. 

I am asking that ACF mark the account as settled in full, as agreed, and cease and desist taking any additional payments via ACH or EFT or otherwise debiting my account. I have also not been receiving any printed or emailed statements regarding my account, which I believe is a violation of FDCPA. I had sent a letter in XX/XX/XXXX about my change of address, but I never heard back. 

I am upset because I agreed to pay and feel hoodwinked that they never notated my 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 non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
Approx. XX/XX/XXXX I recieved a letter from ERC stating I owed over {$300.00} for a direct tv box that was not returned. This box was returned directly to an XXXX  tech in XX/XX/XXXX. In XX/XX/XXXX, I confirmed with XXXX   that this debt was not valid. I was told by an XXXX rep that the information would be in ERC 's system shortly and it was taken care of. Today, XX/XX/XXXX, I received a letter stating I owed them {$190.00} for the same issue. Again, I called XXXX and confirmed AGAIN that this debit was settled and the box was returned. I then called ERC. They claimed this was the first contact from them and att sent them the debt on XX/XX/XXXX. They claim they do now own this debt but are preparing to report the credit bureau in XX/XX/XXXX. I feel that I am being harassed by a less than honest debt collector. I have returned all equipment owned by XXXX and this has been confirmed TWICE by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: IN

Complaint narrative:
I have notified XXXX, XXXX XXXX, and Equifax via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 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: IN

Complaint narrative:
I have notified Experian, XXXX XXXX, and XXXX via certified mail on numerous occasions requesting documentation to prove that the negative information being reported is accurate. The credit bureaus only sent me a report stating that the accounts were verified. They refuse to provide me with the METHOD of Verification of their investigation. I have demanded to see verifiable proof ( original signed contract with my signature on it ) of all negative accounts being reported on my credit file. They have failed to respond satisfactory within the 30 days of receipt of my certified letter. They must now remove the account due to the company unable to provide me a copy of verifiable proof. They are now liable for willful non-compliance with the FCRA.

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 2018-07-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I opened a XXXXXXXX XXXX Store Card. I'm unsure of the issuing bank, I believe it may have been Citi. 

I had never been late on a payment and used this card periodically. Well, my account was recently closed due to inactivity. I called the customer service line and spoke with a supervisor on XX/XX/XXXX. The Customer Service Supervisor said that it was closed because I hadn't used the card since XXXX. 

I understand if the issuing bank has certain terms for closing the card, however I was never notified prior to them closing my account. Apparently, this was in their terms and conditions that they may close an account due to inactivity without prior notice. Well, at least according to the person I spoke to. 

As a consumer, I feel like this is an unfair practice because my credit score has decreased a bit as a result. You see, this was one of my oldest accounts ( over 7 1/2 years ) and by closing this account it affected my " average age of open accounts. '' Yes, this isn't a high impact factor, but nevertheless it is still a factor in which I feel is not fair to the consumer. I shouldn't have a card closed just because I have not used it in a few years. I kept it open to establish a better credit history.

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 2018-07-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
My name is XXXX XXXX. Me and my wife XXXX XXXX are proud residents of the great state of New Jersey for over 25 years and we have one of our sons serving this country in the military. My family and I have lived in our house for over 17 years, but due to unfair treatment by our mortgage servicers ( currently Select Portfolio Servicing ), we are in danger of losing our home. 

I was a city bus driver for many years. Like many people, I lost my job in XXXX. We were able to modify our mortgage then, but unfortunately I was laid off again in XXXX. At that time I contacted our lender to get help. We applied for a modification repeatedly but never got a decision due to incomplete files. Each time I contacted them I spoke to a different person. I feel like we were given the run-around. To make matters worse, they called often looking for money but would never help us. 

Each time we sent in new applications and paperwork it started all over. No decision, only incomplete files and another new person to speak to. It has been very frustrating! There must be rules or regulations that prevent such awful treatment when people are making an honest effort to resolve a financial problem like this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The company XXXX CONTINUES to report on my credit bureau stating I owe a debt that I am not aware of. I have sent them numerous letters stating that I need to has this verified in order to determine that these alleged debts are owe by me. They sent me an account summary which shows nothing about me opening these accounts. I asked them to send me the consumer contract with my signature on it so I can see if that is my signature. They have failed to do so and from my understanding under the FCRA a 3rd party collection agency should have that information and they have failed to provide me with the info and continue to place this alleged debt on my profile which is hindering me from utilizing my credit. They stated that these accounts were made online, without my signature how could someone just open an account with my authorization online and they hold me accountable and they cant verify that it is mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
XX/XX/2018 I received noticed that I had a collection account from Ad Astra Recovery in the amount of {$1100.00} in regards to a XXXX XXXX. I have notified AD Astra that I am a victim of identity theft and the account that they hold under my name and social is indeed a result of identity theft. I did not authorize this account nor did I open this account. I have also never received written notification in regards to this account to dispute it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Finance LP
State: FL

Complaint narrative:
My mortgage was sold to this company Selene Finance from XXXX XXXX on XX/XX/2018. I sent my XXXX mortgage payment to Selene Finance on XX/XX/2018 via check. I called Selene Finance on XX/XX/XXXX to see if they received my check payment. I couldn't get online their website because it didn't recognize my account. Customer service rep told me to call back on XX/XX/XXXX. I asked her what is going to happen with my check payment until that time she said it will get applied to my account. So I called back XX/XX/XXXX and spoke to customer service rep named XXXX which was very rude to me when I asked him if they received my check yet. He said no they didnt. I then told him i will make my payment directly with my bank via electronically which I did. On XX/XX/XXXX i tried to go on selene finance website to see if my payment posted, but now Selene has kicked me off of site. I tried to log in and request a code so I can sign into website but I never get a code from them via email. So now I have no idea how to contact this company to see if my payment was received. How can this company do this.? Every time you call them you are on hold for a very long time over 45 mins. I have read a lot of complaints about this company saying they never got your payment and then add late charges to account. They do whatever it takes just so consumers can not contact them whether website portal or phone. I just want to know if they received my payment. So i dont get any late charges thats all.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX XXXX of an ex boyfriend used my debit card. I already had to get a school version of a restraining order against him while the district investigates him for XXXX  XXXX. When I was over at his place on Thursday XX/XX/2018 I stepped out of his room with my bag still in there. My guess is that he took pictures of my card. Later that month on the XX/XX/XXXX I saw around a {$90.00} transaction for something I had to XXXX. They turned out to be dieting pills, the same exact ones I saw on his mother 's dresser. It was a messy breakup and obviously still continuing. Chase said they can take my money back any time before XX/XX/XXXX while my account was frozen for weeks. I am trying to press charges here because it is beyond their scope and hope he gets properly reprimanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I went to a Speedy Cash in 2011 and defaulted on partial loan Speedy Cash sold the debt to a add company called ad XXXX XXXX XXXX phone number XXXX XXXX have been trying to dispute it and remove it from my credit score due to length of time and they refused to remove has the debt has been paid by said company I feel it should be removed

Company response to consumer: Closed with explanation