vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: GA

Complaint narrative:
My credit report is showing I owe, two separate balances, to XXXX XXXX XXXX. The two amounts showing owed are for {$510.00} and {$630.00}. 
At the time of receiving medical attention, in XX/XX/XXXX, at XXXX XXXX, I was under the impression that my insurance would be covering 100 % of my medical expenses. At the time of my visit, I was informed by XXXX XXXX, that my insurance was accepted and I did not need to come out of pocket for any expenses. 
I am just now, in XX/XX/XXXX, becoming aware of my insurance not being accepted by XXXX. 
Shortly after my visit to XXXX, I went through a divorce, became unemployed and relocated out of state. 

I recently looked into repairing my credit and became aware of these accounts. When I contacted XXXX, I was told that these accounts were too old for me to dispute. I was never even notified of the debt, nor given information about being able to dispute the debt. I also requested to apply for financial assistance, but was denied. 

These accounts have reached the statute of limitations in the state of Utah.

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 2018-02-22 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: IL

Complaint narrative:
Despite three written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Experian stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Experian did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to promptly DELETE all information which can not be verified. yet they have not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am requesting a courtesy adjustment to my credit reports ( XXXX, XXXX, XXXX ) for the 30 day and 60 day late reporting : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) My mother XXXX in XX/XX/XXXX. She was on XXXX and social security, so when she XXXX, I, being her only child and closest living relative, took-on 100 % of the funeral, burial and administrative costs. This caused me to fall behind on my credit card payments with XXXX XXXX. I called XXXX XXXX XX/XX/XXXX and explained my hardship. In fact, when I signed-on to the payment portal a red banner came across the screen ; here is a copy/paste : " Alert 1 of 3 : If you're facing financial challenges, we may be able to help. Please call our Customer Care team at XXXX ( TDD/TTY : XXXX ) for more information. Alert 2 of 3 : Your Account is past due. Make a payment now. Alert 3 of 3 : Please confirm your contact information. Confirm Now '' I called XXXX customer service in good faith, explained my hardship, and the call was elevated to the collections department, where I explained my hardship yet again. I expected, at the very least, a TEMPORARY courtesy modification of ANY sort, just so that it would be easier to catch-up on payments. This was not offered. All I was told was ( 1 ) how much I owed, and ( 2 ) whether I could set-up an electronic payment with the agent on the phone. In short, the agent did not help. I was reported to the credit bureaus as 30 and 60 days late. This is truly heartbreaking, especially when I reached-out for help -- the banner said " call us, we may be able to help. '' I had perfect credit and perfect payment history with XXXX until this episode. If they pull my credit reports, you will see that I have 100 % on-time payments with ALL my creditors over the last 6 years, including all of my XXXX cards. I have no collections, no judgments, nothing. I had a clean history until my mom 's XXXX. 
I want to pay my bills. I take pride in paying my bills on-time, and I work hard to keep a clean credit report. 

As of XX/XX/XXXX, I have been getting caught-up and expect to be 100 % caught-up by XX/XX/XXXX. 

I am respectfully requesting that XXXX extend this ONE-TIME courtesy to me : removing the 30 days and 60 days late payments on all three credit bureaus. I would greatly appreciate it. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: NJ

Complaint narrative:
XXXX and Equifax is showing XXXX XXXX on my Credit report.. I have never had an account with XXXXXXXX XXXX and the credit bearues refuse to remove them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-22 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: IL

Complaint narrative:
Despite four written requests, the unverified items listed below remains on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their investigations, Equifax stated in writing that the account verified that the items are being reported correctly? I received no written verification of who verified these accounts? Equifax did NOT provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Equifax also have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). As such under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. yet they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: CA

Complaint narrative:
I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help

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 2018-02-22 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: CA

Complaint narrative:
I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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: CA

Complaint narrative:
I am writing this letter in regards to my account listed above which has been closed for the last 7 months and wanted you to please review and see if it is possible to remove my final payment as a late payment. I understand that i was at fault and am asking you to please review my account as i was in good standing throughout the term of this loan process. I know i made a mistake and processed my final payment a few day after the required date but this was an honest mistake as i was paying early on my loan and thought i had time to pay. I tried to pay early and more than what was expected each month to bring my payments down as well. I was wrong and need you to please consider removing my final payment as a late payment. I hope that you would understand and try to help me out as i am really desperate and need your assistance. 
Thanks in advance for you help

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 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GATEWAY FIRST BANK
State: TX

Complaint narrative:
Continually get calls from Gateway Mortgage. Asked them several times to stop calling me. Said they got my phone number from the " XXXX XXXX XXXX XXXX  ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 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 SENT CREDIT BUREAU NOTARIZED AS WELL AS CERTIFIED LETTERS IN REGARD TO XXXX XXXX IN WHICH THE COMPANY DID A CANCELLATION OF DEBT AND I SENT IT TO THE CREDIT BUREAU AND YET THEY STILL REFUSE TO DELETE IT FROM MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have requested verification of this debt from Wells Fargo Dealer SVC on three different occasions by mail, however the business failed to provide adequate proof of this debt being mine. Considering this business does not have a contract with me for goods or services they provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2018-02-22 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: NJ

Complaint narrative:
Experian and XXXX is showing XXXX XXXX on my Credit report.. I have never had an account with XXXX XXXX and the credit bearues refuse to remove them

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 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
Im writing this letter in hope you could intervene and get Bank of America to properly review our loan for assistance options. The issue started at the beginning of XX/XX/XXXX, when our grandson was diagnosed with XXXX. My wife left her steady job and started her own business so she would have time to care for him. It hurt our finances but we made it work. 

Then in XX/XX/XXXX, my pay was reduced at work. Up until that point, I had a dependable salary, and we paid our mortgage on time. With this next blow, we did what we could to keep ourselves afloat. 

When I first contacted Bank of America, things seemed like they would be ok. But a repayment plan outside of our means to pay was not the life line we needed. At that point, representatives stopped taking my calls. No one at the bank would speak to me. When I finally received correspondence, I was shocked to learn that I am now in danger of losing my home. 

We are starting to get back on our feet again. Im back to a normal schedule at work. My wife returned to her job. The last step is to get our mortgage back in good standing, which I have been trying and would like to do. I need a reasonable, affordable payment plan. Bank of America refuses to help.

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 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Greystone Alliance LLC
State: MO

Complaint narrative:
Repeated phone calls from this company with a recorded message saying a formal complaint has been filed against me that morning. But each day its that morning. I have asked to not be contacted as they can not provide any information to what they are trying to talk about. They want all of my personal identification first and Im not going to give it to them without knowing what they want

Company response to consumer: Untimely response
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen LN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Short sale package was submitted to Ocwen XX/XX/18. Ocwen has requested 4 sets of documents, and continually cancels the short sale after each and every one of these requests. Each time we send documents in to Ocwen we have to request the short sale to be reopened. This has happened 4 times in the last several weeks. Ocwen is refusing to postpone the auction date of XX/XX/XXXX claiming that the multiple doc request and closing/opening the short sale were simply miscommunications. They are stating they have sent communications to the borrower offering workout option " some time ago ''. However they are unable to provide any kind of evidence or tell us the dates as to when those communications were sent to the borrower. 

Isnt this the same type of miscommunication that got Ocwen fined over $ 2million already? We just want this to be reviewed as requested in the beginning. The sellers are getting divorced and Ocwen were notified of this in the beginning of the short sale, and there is no evidence whatsoever that workout options have been offered to either of the sellers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: WA

Complaint narrative:
Our mortgage was sold to Carrington Mortgage services. They call at least once a week, but I have received calls just minutes apart. They keep calling asking me to refinance at a lower rate. I tell them every single time that I am not interested, to stop calling. They say they will add it in the notes of my account, yet the calls continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Gordon & Wong Law Group, P.C.
State: CA

Complaint narrative:
XXXX XXXX  sold debt to XXXX XXXX who has attorney Gordan & Wong filed judgement on my house I never received the debt information I email attorney to settled for amount on lien they want to double amount I also ask them to sent me copies of debt I owe and my signature they dont have it need help selling my house and they trying to get XXXX and I suppose to owe XXXX please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Integrated Recovery Services
State: NV

Complaint narrative:
filed a complaint with CFPB on XX/XX/XXXX about the unwanted calls to my work and my husband 's cell phone. The company responded on XX/XX/XXXX, that they had closed my " case '' and would not call again and had only called one time. 
In fact they have called repeated times prior to my original complaint with the CFPB complaint XXXX. The company started to call again on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX and again today XX/XX/XXXX at XXXX. This is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
We purchased our home in XX/XX/XXXX. At the time I was an XXXX XXXX XXXX XXXX undergoing multiple deployments to XXXX and XXXX and my family was living on XXXX XXXX XXXX XXXX. The family was under a great deal of stress because our military quarters were directly on the landing approach for F-14s, which flew over the house at low altitude several times a day. 

Shortly after moving into our new home the home we discovered hidden termite damage that had to be repaired immediately. We took out a home equity loan from Ditech to pay for the work.

The contract was signed on signed in XX/XX/XXXX, for a 25 year loan at 13.89 % actuarial interest. The original loan amount was {$77000.00}, and my payments were {$950.00} a month. 

Along with my primary mortgage, my monthly payments total {$2700.00}. Although this has been crippling financially, I have paid that amount every month since, and have never missed a payment-. 

I have paid Ditech roughly {$140000.00} in this period, and my current loan balance is {$68000.00}. 

In XX/XX/XXXX the value of the home dropped, and with our combined mortgages I have owed more than the home is worth every since. When I checked in late XX/XX/XXXX, the estimated value of the home was roughly {$310000.00}. Since moving in, we had another child, and the home was too small for our family, but we had no real options to move out. 

It gets worse. 

Ditech approached me earlier this year and offered to loan me {$350000.00} to consolidate both of my mortgages at 4.125 % interest, which would lower our total payments to roughly {$2000.00}. 

We were within a week of closing when we discovered serious termite damage in the home, and realized that the termite inspection report provided by our pest control company was fraudulent. Knowing that this was illegal and unethical, I stopped the refi process while we determined the extent of the damage. 

Surprisingly, my Ditech loan processor encouraged me to continue with the loan, citing that no one would ever know about the report. Even after I explained that I planned to not occupy the home as my primary residence and would therefore not be eligible for a refi loan, Ditech encouraged me to close the loan. 

Through this experience I learned that Ditech has not only taken advantage of me and placed my family in serious financial hardship from the beginning, but they were willing to place me in legal jeopardy. Through this entire experience I have met my obligations and dutifully my payments, hoping that I would be able to pay this loan down enough to get out from under it. They make it difficult to navigate their website and find pertinent information, and they are predatory in their practices

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Im writing this letter in hopes you can intervene to get US Bank to properly review our loan for assistance options, and keep a family in their home. The issues began when due to health reasons I lost my job of ten years, at XXXX. 

My health continues to deteriorate. If I am fortunate I am able to walk with the help of a cane, and on the worst days Im in a wheelchair or else cant leave the house. I applied for federal XXXX, but during this time I started to fall behind on my mortgage payments. 

I attempted to contact US Bank to work something out until I could get back on my feet. I would receive letters in the mail, but every single time I tried to reach someone on the phone, no one would speak to me. It was, and is still a nightmare. 

Then out of the blue, one Friday morning, I heard a knock on my door, and a stranger hands me a foreclosure notice! It was a shock. I knew I was behind, but I was finally starting to get back on track and had been trying my best to explain this to US Bank.

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