vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
Complaint Addition/update : This is a response to SLS 's  request 60 days to respond to my complaint COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Mortgage ISSUE Trouble during payment process. I am requesting an immediate response to questions I started asking in XXXX of XXXX and ongoing errors SLS refuses to correct. SLS must correct negative credit until this matter is resolved. I have been told I can get no credit until 14 months after said negative has been brought current. 
This is a request for SLS immediately : 1- mail me a copy of a letter they have or will immediately send to all 3 credit reporting agencies requesting all negative credit be removed from my report. 
2-mail me a second letter agreeing to halt all future negative reports to the credit bureaus because or until SLS states did or did not take my XX/XX/XXXX payment to cover escrow shortage spreads of high as {$17000.00} to {$12000.00} with knowledge SLS had not moved the last funds to escrow correct it's error in reducing my mortgage payment and the XX/XX/XXXX analysis showing the corrected escrow shortage was less.. 
3- SLS is to send me a letter stating SLS did or did spread the above inaccurate escrow shortages which were higher than that of the XX/XX/XXXX analysis showed {$10000.00} is the figure SLS should have spread. 
4-SLS did or did not double/increase my modification payment effective XX/XX/XXXX to correct at shortage of more than {$19000.00} due to SLS 's reduction of my modification payment XX/XX/XXXX without just cause, failing to verify escrow payments with taxing authorities, my insurance company nor XXXX XXXX who had set the original payment. 
5-XX/XX/XXXX XXXX transferred {$2200.00} of escrow to SLS with the loan in XXXX, please explain why SLS refunded {$1400.00} of said escrow to the borrower in XXXX and told the borrower SLS required a minimum of {$2800.00} in excess escrow be kept in his account. 
.6-SLS 's response to my previous complaint stated the XX/XX/XXXX payment was due at time of transfer which is not true. Please provide the date my XX/XX/XXXX payment was received and verify did XXXX XXXX transferred the loan XXXX of XXXX with loan payment being automatically withdrawn from the borrower 's account the first of every month until XXXX of XXXX when SLS doubled my payment. 
7- send the information on contact information on the owner of the loan

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 2019-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
The guidelines Mr Cooper home loans gave me to prevent foreclosure were as follows. You have to have a complete modification package submitted before 37 days of the foreclosure sale date, XX/XX/XXXX. I did that, and they pushed the sale date back to XX/XX/XXXX, and told me that I need to have a luxury bill by XX/XX/XXXX to complete the process. I did that, and 3 weeks went by without a word, so on XX/XX/XXXX, I contacted my mortgage company. They told me the modification was denied XX/XX/XXXX, and the letter is set to be mailed on the very day I called, and because of that, I can go ahead to the next step, which is a short sale, and if that doesn't happen, I can apply for a deed in lieu, but it has to go in that order. I tell the representative that's fine, and ask what I have to do to start the short sale. She tells me that it may be too late for me to continue with the process because my new sale date is XX/XX/XXXX. They didn't complete the process in time for me to meet their deadline. Can u please help me. I feel like I've been destined to fail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
On XX/XX/2019, I mailed the request form for my credit reports through XXXX XXXX.Their letterhead on THEIR request form.Approx 2 weeks later, XXXX comes through, great.Approx 6 days later, XXXX comes through, great.Now, approx 33 days later, Nothing from Equifax, no letter asking for additional verification, which a pers on could reasonably expect.Calling one those credit unions, as most of us know, means many hours on hold, I did that too.I had hoped Equifax MIGHT notice the other 2 did.A t XXXX, US citizen, never left country, not a felon, just a blue collar worker who worked his w hole life.Their is not even 1 good XXXX  reason for lack of report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XX/XX/19 Credit Card was charged by XXXX XXXX ( XXXX ). An attempt had been made to stay at the property. The Website reported it did not charge card as motel was FULL. I booked another XXXX XXXX for same day for XXXX $ over 50 miles away have documentation to prove. 

After charge for XXXX $ showed up on credit card days later I called merchant and asked for a refund and they informed me that I was indeed a no-show as I didn't know the reservation went through. I was told my only option at this point was to dispute the charge with my bank. I did that and after 2 months of waiting Wells Fargo says I made the purchase and they WILL NOT charge it back to merchant. So now my CC is over the limit and they will be reporting to the credit beau that I am OVER LIMIT and this will negatively effect my score. they have offered no other help except continued rude and frankly negative attitudes when I have shown all that they need. 

A document came in the mail as " proof '' I stayed but I will attach and you will see that it lacks my OWN signature on the repcept nor does it have my ID number or CAR info.. ALL OF which I had at the other location I will get a copy from them as MORE proof I do not owe anything and therefor WF must repair my credit and REMOVE and REFUND the money to my account without further incident, Attached 3 documents for review. 

1. Bank Credit Statement Showing Charge 2. XXXX XXXX Reservation for Charge 3. WF rejection of dispute.

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 2019-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for this card and used it for a couple purchases which added up to around XXXX. The reason I applied is because I know my credit WAS good until they sent that to collections. I had no way to make contact with them at the time. My phone broke trying to find a way out of XXXX. 

I lost everything I owned except what I threw into the car and pickup on the way out of XXXX  Ca. I lived in a XXXX sqft house which a friend of mine owned and he let me rent it cheap. Now I live in an RV park in a XXXX trailer. XXXX XXXX was quite a day, or night. At XXXX it was black as midnight. That's why I got the card in the first place. It was quite an extreme emergency. I have been running into this " kick em when they're down '' cold lack of any goodness whatsoever attitude a lot lately. All I own personally fits in a 5X10 storage unit. 

I have asked 3 times very kindly if they would send me a bill, and all three times they said they would, I haven't received a bill but they're sure tooting the pay us horn in my e mail box. I never signed up for the paperless billing, it must be a default setting. I owe them XXXX and they're eager to send it to collections again! 

I have mentioned this default " paperless billing '' a couple times both in writing and on the phone.

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 2019-07-24 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have sent letters to the Credit Bureaus and Navient XX/XX/2019, and XX/XX/2019 trying to get some clarity on this account. I the amount they are saying I own and to this company is incorrect, yet they have not sent me the original signed contract because I have never agreed to pay Navient or never had a contract with them at all. They continue to report negative and late payments to my credit when I communicated to the the documents that I requested to see. I feel like this is a violation of my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington decreased my credit limit from XXXX to XXXX and refused to give a reason why. I talked with several Huntington associates and they said theyre not able to give a reason. I have no outstanding debt, an XXXX credit score, never missed a payment, own my home, no mortgage, decent income, XXXX in a Huntington checking account, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an account with Experian and even paid extra to get the range of possible FICO scores on my report so I could apply for credit cards between XX/XX/XXXX - XX/XX/XXXX. I used affiliate links through XXXX, XXXX XXXX and Experian that gave me approval chances of above 95 % and was rejected by all of them except the ones that came from Experian 's affiliate link with the highest APRs and annual fees. The rejection letters all cited Experian as their source and contained different scores for the same product ( credit cards ) applied on the same day, none of which matched the score given to me by Experian. 

The score given to XXXX XXXX and listed as their reason for decision is lower than ANY reported FICO score obtained on my file from any source. XXXX  listed a recent and severe delinquency supplied by Experian, which is also untrue as the only negative item occurred in XX/XX/XXXXand has been disputed ( will submit on another complaint ) and XXXX  XXXX listed too many inquiries but only when I applied for a XXXX  XXXX business card account through XXXX. The personal XXXX XXXX card I applied for via Experian on the same day instantly approved even though they had the same APR. I also got instantly approved for a XXXX XXXX personal card via Experian that day with a whopping {$400.00} limit. I've never had a card that small in all my 22 years of handling credit cards with limits past {$10000.00}. Hmmm ... I've been left with no business card for my new business, the only product I really wanted but can't get since Experian doesn't offer them and I can't meet their 5 personal card minimum to release me from their partner status quo regardless of my willingness to accept their awful deals because they didn't match me with enough qualifying offers and have provided bad info to everyone else who could. The fact that I've paid Experian TWICE for my bankcard FICO scores and still don't know what they really are since they tell everyone something different on the same day is unacceptable as is the fact that I got two of their advertised partner cards and they STILL kept sending bad info to any application not linked from their site. Oh, and beware of their Boost  propaganda that fails to tell you if you pay your phone or utilities with a business bank account rather than a personal one, they don't give you points for it. I had to call 3 times before I got an agent who told me why my Boost wasn't working even though my bank accounts are connected. What's with the small business sabotage and discrimination?

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 2019-07-24 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: NEW CITY FUNDING CORP.
State: MA

Complaint narrative:
Theres an account that was included in my bankruptcy that wasnt suppose to be, I had an auto loan with New City Funding around 2016, I paid the loan in full as agreed but for some reason that account was included in bankruptcy and that isnt correct, I contacted New city funding and asked if they can update the account on my credit report to say paid as agreed never late but they didnt seem to care because the account still has the same status of discharged in bankruptcy. I want the account updated or deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CREDIT BUREAU LATE PAYMENT DISPUTE with Chase XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX Dear Sir or Madam : I hope youre doing well today. My name is XXXX XXXX, and Ive been a satisfied customer of Chase for nineteen years. Ive always made my payments on time, but unfortunately, I recently made a mistake on XX/XX/XXXX. 

I understand how important it is to make timely payments. However, I missed my payment because my husbands XXXX XXXX that was in remission came back. I had turned off my auto pay with the intent to pay my balance in full and missed both my XXXX and XXXX payments because of the stress of the XXXX my husband underwent. As soon as I realized my mistake, I paid the balance in full of {$3900.00} on XX/XX/XXXX. 

As a person with a credit score of XXXX all of my life, I have never missed a payment to Chase, or any other creditor. As you can see from my account history, I have a long record of on-time payments before and since the late payment. This mistake cost me over 60 points on my credit score and I am sick about this. 

As a courtesy, I respectfully requested that Chase make a goodwill adjustment to remove the late payment on XX/XX/XXXX. Although Chase sympathized with my cause enough to credit me the {$39.00} late fee, they have still reported my credit account as delinquent and this is affecting my credit score. At one point, someone at Chase told me that they would see what they could do. When they forwarded my case to their Credit Bureau team, the team would not help me. I have been a pay-in-full customer for 19 years, and because of this relationship and record, I have asked for a goodwill gesture to remove the delinquent note, and they have refused. 

My track record is proof that I take my financial obligations seriously and I implore that you help Chase XXXX see that I am a customer worth offering this gesture of goodwill this one time only. 

This behavior from Chase makes me want to stop using Chase, even if I can't close the account. 

If you have any questions, or if you would like to speak with me in more detail, please call me at XXXX or send me an email at XXXX Thank you for your consideration, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
they call 100 times a day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 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: CA

Complaint narrative:
I have 2 inquiries within the last few weeks that I did not authorize. One for XXXX and the other is for XXXX card services both take place in XXXX XXXX 2019. I went to XXXX but they did not see anything on file for my name. 2 hard inquiries within a couple of weeks that i did not authorize leads me to believe that I am a victim of fraud.

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 2019-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
on XX/XX/19 I had sent a deposit of XXXX bitcoin to my cashapp account from a website called XXXX, a company that deals with legal Bitcoin Gambling. The transfer was successfully sent to cashapp, who then pended the deposit for review. On XX/XX/19 I contacted customer support about the deposit who said that my deposit would be available shortly. Later in the day, I found out my account had been cancelled and that I would no longer be able to use cashapp for violating their terms of service and that they would reverse my deposit. They did not reverse the deposit, and I have sent countless emails to their customer service and have not recieved a single email back regarding my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America refused to disclose if : they are suing me for an alleged debt if they are, the name of the attorney representing them refused to verify the status of the alleged debt, if it's been charged off and sold, or the actual owner of the alleged debt if it has been, with corresponding dates of transfer of ownership contact information of Bank of America employee/employees that is/are the account manager/managers of alleged debt that is/are responsible for the oversight and review of such account as to ensure accuracy of any and all payments, disputes, and alleged charges

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I had an account that was removed from my credit report months ago and it showed back up on my credit report with a new collection agency. Im guessing it was sold but it was removed from my account before it was sold due to violation of HIPPA act law. This credit company is not properly handling the issue they just keep adding things and not paying attention that the account has already been removed. I have submitted a request to dispute the account again when I shouldnt have to due to it already being removed from my credit report.

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 2019-07-24 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: WA

Complaint narrative:
Equifax On XX/XX/2019 my credit score was XXXX On XX/XX/2019 my credit score is XXXX thats XXXX points negative. 
When I called Equifax I made no progress the language barrier is so bad its impossible to get a word in edgewise and the nonstop transfer from one person to another the last call to equifax I was transferred 5 times answer security questions my name, etc. Furthermore, they cant explain the huge drop in credit score. I am a victim of identity theft whats the purpose of equifax if they have the authority to make such destructive change to my credit report without alerting me. I was under the impression credit reporting agencies are held to stricter rules and protection and peace of mind. There is no consumer protraction act here rather some non-English speaking none head can make my life XXXX. I work very hard to have excellent credit to only have it butchered by the very institution who claims security is the # 1 concern. As of today my credit score is in the low 600 range. Please investigate ... ..some type of law or protection needs to be in place so fools like Equifax cant rap my credit. 
Moreover, I sold my home over a year ago what do I have to do to change this and have the sale reflect on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IN

Complaint narrative:
Receiving letter from Convergent for a debt I do not owe nor anything on my report. This is fraudulent. They kept insisting on me giving my date if birth and social security number when I called with account number also. This is ridiculous. How are they in business?

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 2019-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX will not give me my credit report online. They require I mail them information sensitive information and documents which puts me and my information at risk for identity theft. Mail is easily and frequently stolen.

Company response to consumer: Closed with explanation