vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-31 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: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I settled an account in full with Credit Acceptance Corp on XX/XX/2018 for the amount of {$5100.00}. 

Credit acceptance still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. 

I have brought this information to credit acceptance on XX/XX/18 and XX/XX/18 and they will not correct it. 

I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. 

When I brought the issue to XXXX they called credit acceptance, and took the information provided from credit acceptance because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. 

I gave credit acceptance the original 30 days allotted for dispute through XXXX, at the end of the 30 days they still reported false information. 

I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. 

I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.

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 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AR

Complaint narrative:
Bayview Loan Servicing foreclosed on my home of 16 years on XX/XX/2018. They locked me out of my home in XXXX, without notice, because I was unable to live there due to damage from hurricane Harvey. They stated it was an abandoned home, although Bayview was well aware of my situation. 

I had an as-is cash buyer who wanted to close on XX/XX/XXXX, but Bayview refused to pull my home from the sale. They had stated it was up to the foreclosure attorney, which turned out to be false. The day of the sale, I was advised it was because the contract has to be provided to them 10 days in advance, but this had not been communicated to me. There is a long list of lies ( Bayview refers to it as they miscommunicated to me ), but it's a moot point right now. 

Bayview refuses to provide me with the purchaser information so I can retrieve my personal property that was not damaged by the hurricane. Besides some clothing, collectibles and unique furnishings, there are urns with remains, legal and tax documents, etc. There is also my vehicle. I am 500 miles away, have several health issues and restricted driving, so it isn't as if I can just hop over and get everything. 

I advised them I would be filing complaints over the handling of my foreclosure and the missing items after their people went in and locked me out pre-foreclosure and was told to call the police!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I didn't authorized / authorization viewing of credit report " INQURIES ''!!! 
( Identity Theft Victim / Equifax Data Breach ) Inquiry details : XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX  XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Blackwater Capital Group LLC.
State: IL

Complaint narrative:
On XX/XX/2018, I spoke with a representative from Blackwater Capital Group, by the name of XXXX XXXX. She contacted me regarding a debt owed to company called XXXX XXXX. She told me that a court case had been filed in XXXX XXXX regarding this debt. However, she told me that it could be dropped if I pay the debt immediately. We discussed a payment date of XX/XX/2018. 
This morning, XXXX XXXX contacted my brother regarding this debt. She gave him personal information about this debt. She told him that they were now going to file a judgement against me, this time in XXXX XXXX and that if I didn't pay this debt, they would cancel my drivers license. This is completely unacceptable. She had no reason to contact my brother, as she had my phone number and I had even given her an updated address. This violates the law. 
XXXX XXXX phone number is XXXX XXXX ext XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
60 days ago, I sent an investigation request to Experian. They are supposed to respond with the results within 30 days, but so far, I have not received anything.

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 2018-07-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: REGIONS FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Sir/Madam, I got my XXXX business credit card for its fuel program in XX/XX/XXXX, with Account # : XXXX and business Name : XXXX XXXX XXXX. The credit card 's spending limit is only {$200.00}. 
Unlike other gas companies ' gas credit cards, such as XXXX XXXXXXXX XXXX, XXXX  does not provide monthly auto-payment service to cardholders. If cardholders miss the monthly due date, XXXX charges {$75.00}, a very high late fee comparing with its very low credit line. Cardholders have to be very careful for making one-time only online payment by the due date to avoid the late fee. I phoned XXXX customer service to complain their lacking of auto-payment service, which is very important for cardholder to avoid late fee. However, XXXX still does not provide the important service. 
I forgot to do the one-time online payment to my balance ( {$48.00} ) in XXXX ( statement attached ), XXXX charged {$75.00} late fee on my balance in XXXX ( statement attached ). I wrote online complain to XXXX   on XX/XX/XXXX, who responded me an email ( attached ) on XX/XX/XXXX stating that I qualify for 50 % off the late, finance fee waiver. I wrote another online complain to XXXX to request a 100 % waiver of the late fee. XXXX   responded me another email ( attached ) on XX/XX/XXXX stating that I am not eligible for a fee waiver. I phoned XXXX customer service to inquire the waiver on XX/XX/XXXX and XXXX. Eventually XXXX credited {$37.00}, 50 % of the late fee, to my balance on XX/XX/XXXX ( attached ). 
Since the late fee charged to me is mainly XXXX 's failure to provide cardholders auto-payment service, I hope the CFPB could help have XXXX credit the other 50 % of the late fee to me, and help have XXXX   provide auto-payment service to cardholders for avoiding the very high late fee in the future. Thank you so much for your kind help. 
Best regards, XXXX XXXX XXXX

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 2018-07-31 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: MN

Complaint narrative:
I just got in the credit reporting of annual credit reporting service and found two credit bureaus of XXXX   and XXXX except Experian and also received those downloaded and saved PFD. There is no sign of what I have seen Experian itself provided via annual credit reporting but already checked out in Experian along with two of them. Therefore, I have determined filing a dispute as I request a complaint about missing one of those on the annual credit reporting. That is how I am affected if it may be caused a scam or disadvantaged offer without the indication of Experian. That is how I am concerned as long as I have to file a disputed complaint! 

Thank you for allowing me to stand up for my belief by not agreeing with annual credit reporting system!

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 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
On XX/XX/2018, I sent a letter to XXXX XXXX in regards to an account that is reporting for {$3600.00}. I requested proof that the debt was indeed mine and that they had the legal right to collect from me. I haven't received any proof of contract that this account is mine, but it is still reporting negatively, which is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Dear Sir, Citizens Bank did not answer to my previous complaints to CFPB for missing check clearance records, transactions and various transactions in my check-in account. Also, Citizens Bank response is highly unsatisfactory for missing check clearance records and my previous complaints to CFPB against Citizens Bank. Hence, I would like to proceed with next step of proceedings on various missing checks, clearance records and bank transactions. I need a official monthly paper statement of my Check-in account for last eight months [ XX/XX/2018 to XX/XX/2018 ]. Could CFPB kindly direct Citizens bank to send me the official monthly paper statement of my Check-in account for last 8 months [ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2018 ]. All the official monthly statements ( for last 8 month ) with Citizens Bank covering letter should be mailed to my address at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2018, I sent a letter to XXXX XXXX in regards to an account that is reporting for {$3600.00}. I requested proof that the debt was indeed mine and that they had the legal right to collect from me. I haven't received any proof of contract that this account is mine, but it is still reporting negatively, which is affecting my credit.

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 2018-07-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I settled an account in full with XXXX XXXX XXXX on XX/XX/2018 for the amount of {$5100.00}. 

XXXX XXXX still reports a balance of XXXX, as well as a late payment when it should be reported as XXXX balance. 

I have brought this information to XXXX XXXX on XX/XX/18 and XX/XX/18 and they will not correct it. 

I have recordings of making the payment stating that it is payment for settlement in FULL, as well as supporting documents. 

When I brought the issue to Transunion they called XXXX XXXX, and took the information provided from XXXX XXXX because they said so and disregarded any supporting documents that I had sent over. This was on XX/XX/18. 

I gave XXXX XXXX the original 30 days allotted for dispute through transunion, at the end of the 30 days they still reported false information. 

I am currently going through the mortgage underwriting process and this information immediately dropped my credit score XXXX points putting my mortgage approval in jeopardy. 

I will upload any documents I have. I can also provide the recorded conversation with XXXX XXXX XXXX XXXX co, clearly stating that the payment was for SETTLEMENT IN FULL.

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 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have been asking EQUIFAX for proof Pursuant to 15 USC section 611 ( i ) ( 7 ) and section ( 6 ) ( 1 ) ( iii ) I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! ALLEGED DEROGATORY ISSUE : Provider Claims Late Payment not yet proven.I would like to see proof these accounts belong to me ATTACHED TO THIS COMPLAINT.THEY ARE NOW IN CONTRACT WITH ME AN IF THEY CONTINUE TO REPORT THESE ACCOUNTS THEY NEED TO PAY ME.I HAVE ATTACHED PROOF NONE OF THESE COMPANIES IS LISTED ON A UCC11 AS A LIEN HOLDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On the date of XX/XX/2018 I sent a certified letter requesting Equifax to investigate the accounts that were appearing on my credit report and to send me proof and original signed contract with my signature on it using Section 609 ( a ) ( 1 ) ( A ) which they are required by federal law to show proof that the debt is valid and they have not been able to prove this information. I have also sent a second letter on XX/XX/2018 requesting a second time for Equifax to remove student loans that are appearing on my credit report and I have disputed them as fraud and have submitted a FTC fraud form along with 2 police reports stating that these accounts are fraud and that they should be removed due to fraud and that the company XXXX can not produce an original signed document with my signature. I am requesting assistance with this issue I have also sent them a copy of my XXXX report that shows that theses accounts have been deleted due to the fact that these companies did not verify with XXXX that these accounts were valid, however Equifax has continued to state that these accounts have been verified but has not submitted proof. I am prepared to move forward with legal action with guidance from your office if that is an option for me. I am attaching documents that support my claim. Two notarized disputes letters, Copy of deleted accounts that I have disputed with XXXX, Certified mail receipts to Equifax, Two policed reports for identity theft, and the FTC Identity theft report. 

I thank you in advance for your effort and attention XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: PA

Complaint narrative:
I been contacting my mortgage company regarding eliminating the PMI for the past 2 years. Although they agree that it should have been eliminated, it hasn't been. Each time I call, I'm promised that it will be removed but each statement since has included the PMI charge ( {$90.00} per month ). I'd like assistance in eliminating this charge & recovering the past payments. My primary contact at Bayview Loan Servicing is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
This debt is from Synerprise Consulting Services, the original creditor XXXX XXXX. I have no knowledge of owing this amount of money ( {$450.00} ). I was not made known of this debt, and in regards to XXXX XXXX, there should be no outside lab contacting me. I was made verbally known by my doctor 's office over a year ago ( I don't have specific dates because I'm just as in the dark about this! ), " Not to worry, our office manager went over your insurance and you won't owe anything out of pocket ''. So putting two and two together, I'm assuming this is where it is coming from. Either way, I had NO idea about this, or even if it's actually mine ( as I'm having to only assume ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
Our current servicer ( 1of 6 servicers dating back to XX/XX/XXXX ) is SPS. Our mortgage originator was XXXX  XXXX XXXX XXXX ( who has been out of the mortgage industry since XX/XX/XXXX ), on XX/XX/XXXX, of whom 3 months after our closing bundled, pooled and sold our mortgage to unnamed investors, with XXXX XXXX XXXX as Trustee. XXXX was the XXXX XXXX of XXXX  XXXX. Their attempt to securitize these mortgages in the pool " failed '' they were not securitized properly. After over 50 attempts of submitting completed loan modification applications dating back to XX/XX/XXXX to all 6 of the servicers who took over our loan, it begs the question, will this complaint to CFPB make a difference? Do each and every servicer have a compiled view into the history of hardship that we have endured and that we have brought to the surface. Our struggles, pains, vulnerabilities, fears and the reality in which live every single day dating back to XX/XX/XXXX I can only have hope that this letter of hardship will make the difference as despite everything we have been through I still believe in human decency and the housing system. Simply put ; We have raised our daughter from a small girl into an aspiring XXXX XXXX in our beloved home. We have raised our son from a young boy into a United States XXXX in our beloved home. On XX/XX/XXXX, Our Son, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, lost his life serving our country. We have cared for an aging parent with a XXXX XXXX of XXXX in our beloved home which impacted our ability for one of us to continue XXXX due to the growing medical needs of an ailing parent, yet we endured. We have had countless family gatherings and holidays full of joy, in addition to gatherings of sadness not knowing if it would be the last time we would be together in our home, our beloved home. The stress on our marriage due financial troubles and repeated mortgage modification denials, yet we continue to stay strong together hand in hand and gainfully employed. We endure. All the while of submitting over 50 applications for Mortgage Assistance across many mortgage servicers and the associated stress and angst of repeated mortgage denials by the loan owner/investor, yet we endure. Our mortgage has been passed along to a new servicers nearly every ( 2 ) years. Where we continuously on board new servicers to the actual history of our mortgage, tell our story, at the encouragement of each servicer, hanging on their every word, we continue to apply for Mortgage Assistance and we wait. Will this attempt make the difference, or will it result in another denial indicating that investor or loan owner does not authorize loan modifications. Please accept this appeal for a loan modification and request for outreach to the investors or loan owners for permission to modify our mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Everest Receivable Services Inc.
State: CT

Complaint narrative:
There are too many dates to document however here are a few XX/XX/18,XX/XX/18, XX/XX/18, XX/XX/XXXX, on and on. In addition they have called my ex-husband, my daughter, one of my sons and a sister. I have repeatedly asked them to tell me who they are, who the collector is, and asked them not to call me and my family. They refuse to divulge any information until an address is verified and they get the last 4 numbers of my SS number. I am not comfortable with this due to having my identity " stolen '' through health insurance company, XXXX breach and IRS breach. 
I decided to finally give the info and attempt to work out an agreement. It was a male caller with a XXXX name that I unfortunately did not write down. I gave him a bit of push back regarding my SS # but then gave it. He spoke so fast I could barely follow his script. He was aggressive and harassing in his manner and statements. Repeatedly saying " this is a breach of contract '' I told him I fully understood what this was and he had made the statement 6x and to please stop because it was completely unnecessary and harassing. I asked him if I could just set up a payment arrangement or did he have to send me paperwork. He again spoke so fast I could not follow and again began with harassing statements. I told him I was about to hang up and I didn't want to speak to him. He told me to hold on and he would get a supervisor on the line. I held on for several minutes and he kept coming back saying hold on. I told him I was about to hang up. He again started with his script and I hung up. I called back to get the company name and address and was hung up and disconnected. It took two additional calls to get the information.

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