vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
On XX/XX/18, I was served with a notice to appear for a pretrial conference/mediation with regard to a suit apparently filed against me by XXXX XXXX XXXX for an alleged debt that they purchased from XXXX XXXX. On several occasions, I have requested that XXXX XXXX XXXX cease communication with me, and was therefore more than a little surprised that they proceeded in this manner given their blatant violations of the FDCPA. I had assumed that the matter was now being handled by their legal counsel and I would be able to resolve the matter with counsel. The next day, XX/XX/18, I received yet another call from XXXX XXXX, XXXX, I advised the caller that I wished to receive no more calls, and terminated the call. Within seconds, XXXX XXXX, XXXX called me again, and placed me on hold. I held so that i could notify the caller of the most recent call, I waited on hold for approximately 10-15 minutes, and hung up. Once again, within seconds, XXXX XXXX, XXXX called me again! According to the FDCPA, if I request a debt collector to stop calling, they are required to do so. I have proof of this violation, as well as several other instances of XXXX XXXX 's disregard for the FDCPA. On XX/XX/18, I wrote a letter explaining this to the attorney representing XXXX XXXX, XXXX, and explained that I would be willing to forego the filing of a suit against their company for their numerous FDCPA violations if they would agree to dismiss the suit filed against me, and to delete any collection activity from my credit report. To date, I have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Received a property foreclosure notice by mail from XXXX XXXX XXXX XXXX XXXX, XXXX. XX/XX/2019 for the sale of my home by mail XX/XX/2019. Tennessee law states the homeowner is suppose to receive the foreclosure notice 30 days prior to the sale date. 
I have submitted a modification request to my mortgage company Shellpoint Mortgage. 
I don't want to loose my home. 

Please, Please, Please, Help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
We submitted a financial hardship package with XXXX XXXX 3rd party source, they verified Rushmore received a full financial package,. Rushmore failed to communicate with our representatives in timely manner and we have received a foreclosure notice for XX/XX/2019 Rushmore told us we are not eligible for a full review,, they also have failed to communicate alternative program options for us and we have exhausted all our options and do not have the funds to re-instate the loan Rushmore is know to not return calls, and fails to communicate efficiently. Agents are not trained property to be sensitive on the accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America About ten years ago i had an account with Bank of America, but their fees were so high I cancelled after two months. I had a safe deposit box which i cancelled as well, but three years ago i got a bill for {$75.00} which was I thought resolved and they closed it with no charge.

But today I received a letter saying to return keys and pay XXXX I have no keys and this was supposed to have been resolved three years ago.. I want to know why all of a sudden i get a bill?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-23 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have a mortgage with XXXX XXXX. I was behind in payments and was put on a loan modification program. I was told that when on this modification program I must make all payments on time and further credit reporting and collection calls will stop from XXXX XXXX. I made all loan modification payments on time per our contract. XXXX XXXX has me listed on my credit report as being 180 days late for XX/XX/XXXX through XX/XX/XXXX. I have records showing payments made on time. This was disputed through Experian and XXXX XXXX initiated a review. XXXX XXXX came back and agreed all modification payments were made on time as stated in the modification agreement. They refused to remove the 180 day late payment data as they said this was for the original loan payment amount. I was paying them the amount they asked for every month. They are holding me to my original loan amount which I was not requested to pay. I was told they are doing this so I can not refinance as they are making money off my loan. My payments and interest rate went up after the modification and I was turned into the credit bureaus for not paying on time. Can you help me to get XXXX XXXX to remove the late payment data so I can refinance and get away from XXXX XXXX? 

XX/XX/XXXX Loan Modification begin XX/XX/XXXX Loan Modification end Dates reported late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( I have bank records showing all these payments made on time ) At this point XXXX XXXX refused to remove this data from my credit report even though they agree I made the payments on time. XXXX XXXX did not report late payments for the other months from XX/XX/XXXX - XX/XX/XXXX only the dates listed. Why only these months? This is random and confusing and they will not give me an answer as to why.

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 2019-01-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALEXANDER-ROSE ASSOC, INC.
State: FL

Complaint narrative:
I was alerted by XXXX, XXXX and XXXX  that a collection agency by the name of Alexander Rose Inc. added a file to my credit report. I reported this as fraudulent due to the fact that I have never signed a contract and/or account with said company. Of course nothing was done about this. XX/XX/2019 I have discovered that this company is not licensed or bonded in the State of Florida to collect debts owed or otherwise. It is illegal to try and collect a debt if the company is not licensed in the State of Florida. This company is not even in the State of Floridas record database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have received a report of my credit and two letters closing two credit cards because it has a remark that says serious delinquency and that has lowered my credit greatly, I contacted the companies that have put this comment XXXX XXXX, XXXX XXXX and XXXX, this last one mentioned I still have my active card and they told me that it is not that I am a delinquent but because I have been late in the payment in 2015 they put that remark in the system, and it should be clear that I have no outstanding balance with any of the three companies mentioned ; I think it is very unfair that I be classified as a delinquent for having delayed a payment in the pass. 

The fact that I was late in my payment for some economic problem that I had at that time, does not make me a criminal and now they have that public information that is currently affecting my credit in a catastrophic way.

Please, I need your help, I'm not a criminal ; When I communicated with them, they advised me to get in contact with you. That is why I am asking for your 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 non-monetary relief
Consumer complaint received 2019-01-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted TransUnion and explained that I have not requested to open any new account or anything but there are inquiries that do not belong to me on my credit report. I have submitted a FTC identity theft report to them as well in the past explaining that my identity has been stolen in the past. I am asking that the following inquries be removed from my credit report XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, and XXXX Card XX/XX/XXXX. I have called and called and called each time I am told something different & the fraudulent inquiries are still listed.

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 2019-01-23 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: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Hello, I recently went to check my bank account for SunTrust and noticed XXXX dollars had been debited from XXXX. I assumed it was no big deal someone stole my information and used my card. I called the SunTrust Fraud Department to file a claim. Days later I received a notice saying the claim was denied. Id done business in the past with XXXX so I called them to see what was up. They debited my account for XXXX dollars due to old bills I assume would have gone to collections after I stopped using their XXXX service. XXXX was not authorized to make the debit from my account. When I complained to my bank about it and even showed them that XXXX even used an old card that I no longer had anymore SunTrust claimed due to it being a MasterCard all information is updated to merchants of past business. I told them it was fraud and they said well you have past business with XXXX  so its not 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 2019-01-23 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: TX

Complaint narrative:
I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: AL

Complaint narrative:
I have never lived at address XXXX XXXX XXXX. I have never been evicted from this property. I have never leased a property from XXXX. 
I have never lived at XXXX XXXX XXXX. This is a fraudulent address.i have never leased a property from XXXX XXXX. There are several incorrect names on report. I have never been known as any other names except XXXX XXXX XXXX. Please remove all addresses and names not belonging to me. 
I have never lived at XXXX XXXX XXXX XXXX . I have never rented from midtown properties. This is not my account. 
I have never had an account with XXXX XXXX XXXX XXXX. This is a fraudulent 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 2019-01-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX I found a website called XXXX charged me {$150.00} on XX/XX/XXXX and another {$150.00} on XX/XX/XXXX, but I have never purchased any product or service on that website. So I called BOA to dispute both two transactions. BOA issued me {$310.00} credit in total and told me they will investigate on that. However, on XX/XX/XXXX, they rejected my fraud claim and took back the {$310.00}. I called their fraud department and asked them to show me the evidence that I've received anything from that website. They couldn't so they reopened my claim and started reinvestigation. But, On XX/XX/XXXX, I received a letter said their decision hasn't changed and there is nothing they can do.

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 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
My husband and I moved out of the XXXX XXXX  XXXX XXXX on XX/XX/2014. At the time my name was XXXX XXXX last name in now XXXX. We were six months into our lease and we had to move, because my husband was transferred to XXXX Oklahoma for work. We did break our lease, but we paid everything that we owed before we left. After we moved the apartment complex was putting eviction notices on our door ( we have proof of this, someone sent us pictures ). The apartment also had someone move in while the lease was still under our name. We had a lawyer and all. The apartment complex ended up selling the account to a third party collection agency. The XXXX XXXX   XXXX ended up being bought out by a different company. They couldn't/ wouldn't even verify the debt when we tried renting another apartment. The apartment complex needs to report to national credit systems that we don't owe the debt. Since we never owed it anyway, and They sold the debt and then sold the company. I've been battling this for 4 years. Our apartment number was XXXX when we lived there. We lived there for 18 months total.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
I am having a long running dispute with Seterus, Inc.. I have made several attempts to resolve not getting billing statements and double payments on tax and insurance impound/escrow account. I'm XXXX and don't have much time for the run around. Yes, we are currently late on the mortgage due to the above ( didn't get a billing statement after timely modification payments until XX/XX/XXXX - 3 months after last payment ). Now as of XX/XX/XXXX they have placed us in foreclosure. I have called twice and spoke with a XXXX and subsequently XXXX XXXX and XXXX XXXX and asked to be set-up on 2 month payment plan to bring the account current. The pat answer is that it's in foreclosure and we need the full amount - amazing. We are not talking a large loan - I believe we are at 15 % LTV and loan is $ 73,000+ only. I want to resolve the matter and need some time to make it current as I don't have single payment capability and what is 2 months? I'm very frustrated at the overall process and truly need someone to advocate for me in this situation.

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 2019-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Repeated calling and getting hung up on. They text and email you to call them. Reps hang up when it's not what the company wants to hear.no real attempt at helping or listening to customer concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: TX

Complaint narrative:
I sent a letter to Midland Funding LLC requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I contacted the company and advised them that I was having a hard time making payments at the moment as I was working at a XXXX  in town. At the time I was only making {$7.00} an hour and was only able to do part-time work for at maximum 30 hours a week. The company wanted me to make a payment of {$100.00} and something dollars. I advised them again that I was unable to make that payment. The lady ( XXXX ) then told me if I was not going to make that payment they take legal action and send the police over to my place of employment. She said the company was than going to take me to court. Feeling desperate I borrowed {$500.00} from an ex-boyfriend to make that payment and stop the calls for a while. I made the payment with his card and she did not verify that I was an authorized user, nor if I had permission to use the card. Later on I had my loan refinanced and have been able to make the payments for almost a year. Today, again I was unable to make the payment, this time being an amount of {$71.00} and again I was speaking with XXXX. She at first said they would be able to take half the payment and then the remainder to the XXXX of next month and then quickly changed her mind and stated that I would need to make the payment by the end of the month. I advised her that I would not able to do that. Again she stated that they would then have to pursue legal action. She said it in a way that sounded like a threat, so I advised her that the threat was not scaring me. She stated it was not said as a threat, but what would occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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:
There are fraudulent inquiries on my credit report which I reported to Equifax but has not been removed. I contacted them several times about this matter but nothing has been done to resolve it. The following are fraudulent inquiries XXXX XXXX XXXX XX/XX/19, XXXX  XXXX XX/XX/19, XXXX XXXX XXXX XXXX XX/XX/19, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NM

Complaint narrative:
they have not sent me paper statements for months now, i have not and never will sign up for paperless statements. i have received neither. also they have never let me draw on my heloc, they are impossible to get in touch with someone that can answer any questions. typicall corporate run around

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 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Our mortgage holder, Wells Fargo, sold our mortgage without warning to a company, XXXX XXXX XXXX, XXXX, or XXXX, that has a reputation as a predatory lender. Although XXXX has sent no information to us, it immediately began dunning us via telephone without identifying itself or stating its business. We were told by Wells Fargo to continue sending our payments to it, since their consumer contact employees didn't know anything about XXXX, but now say they can not take back our mortgage from XXXX and can not forward our timely payments to XXXX. We have not received written or verbal statements or instructions from XXXX. In short, despite our efforts to follow instructions from Wells Fargo, we find ourselves in arrears with XXXX from day one.  From the numerous complaints about XXXX  that we find on-line, we have to assume that we are experiencing XXXX 's usual opening gambit with a new customer. We are afraid their unethical methods will at least harm our otherwise excellent credit rating and at worst result in foreclosure. Like many others in our situation, we are afraid we will have no alternative but to seek a new loan with another mortgage company. Meanwhile, Wells Fargo, by getting rid of its lower interest mortgages, buying back huge chunks of its stock, and firing hoards of its employees, is artificially propping up the " value '' of its stock. At the expense, of course, of homeowners, like ourselves, who have been their best customers.

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