vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
I have complained 2 times before & the last time did not know if it went through. 
I have not been able to access my e-mails since XX/XX/XXXX.. I am scheduled for a summary judgement tomorrow & yet the mortgage company has falsely denied me a loan modification of which I a very capable of paying. 
This has been over 3 yrs & was with the previous lender- XXXX . then Nationstar became Mr. Cooper & they have FALSELY failed to apply all of my income & put false fees in with my expenses- I have NEVER paid self- employment taxes on my rentals. They lied & stated my application was incomplete & it was NOT. I filled out loan modification papers at least 7 times. They are deliberately denying my modification. They failed to apply my mortgage payments from XX/XX/2015 of which I made. I have lived at my home for over 23 yrs. & am XXXX & XXXX yrs. of age.I have done EVERYTHING required & never been denied a mortgage before & did 3 other loan modifications with another company & all has been fine.when I was ill a few yrs. ago. This all started with one late payment & now they have ballooned it to this point. I appealed the denial & they have ignored me. PLEASE HELP ME!!!! Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FBC MORTGAGE, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX Hurricane Irma came through Florida. We had a 30ft tall oak tree fall on our house. It was XXXX to have it removed. Insurance wouldn't cover it. We did a 90 Day mortgage forbearance with FBC Mortgage so we could pay to have the tree removed. In XX/XX/XXXX, I called several times and spent hours on hold only to be told someone from the loss mitigation would call me back. It was XX/XX/XXXX before I could get a hold of someone who would actually talk to me. We talked about options for that 3 months of payments and started the Loan Modification process. I received a Letter from FBC stating that they had received my information and it was sent to the underwriters and I would have a decision 30 days from XX/XX/XXXX. It is now XX/XX/XXXX. I call them every week to find out what's going on. All I ever get is it is still with the underwriters and that's all they can tell me. We are way past the 30 day mark, by months. In XX/XX/XXXX they made me resubmit all of my paperwork because the batch I sent over in XX/XX/XXXX had expired. I resumed my normal payments every month, by having to call them because they suspended my online and automated payments. But in the time they have been stalling, they have been reporting me late to the credit bureaus and charging me late fees on the 3 months that is supposed to be modified back into the loan that they were supposed to complete months ago. If they had completed it, there would be no late anything. I am being penalized because they are stalling and I don't know why. I did everything they asked and followed all of their rules. No one will tell me what ; s going on. They are ruining my credit and I don't know if they are going to take away my house. I can't find anyone from FBC to help or give me actual answers. I don't know what to do. I need someone to help me. All I can get from them is that my account is in underwriting where it has been since XX/XX/XXXX and that there is no one there I can be transferred to that can help me. They give me the run around every time and avoid giving me any information. Making payments is hit or miss. Some of the people who answer will take a payment and others tell me to wait until the modification is complete. I just keep calling back until someone takes a payment but I shouldn't have to do that. I shouldn't be treated this way. I have attached the documents I have received. After the letter in XX/XX/XXXX I have received no further paperwork regarding the modification, only many many upset phone calls I have made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: MD

Complaint narrative:
I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.

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 2018-06-05 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I had a loan with XXXX XXXX that was paid off on XX/XX/2018. After countless attempts and hours on the phone to get a copy of my statement history, I feel that there was misapplied payments on my account causing multiple late reporting 's. 

I had spoken with XXXX multiple times and the statement history seems off to me. Unfortunately, I don't have any documentation showing the way my payments were made as I used multiple payment options. 

The issue that I currently have is that the account has been paid off for nearly four months now and all three credit bureaus still have it reporting late with a balance.

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 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I received a call on my cell phone asking for someone else. When I stated that I was my cell phone and my name the collection agent keep asking me if i new the person. I asked them not to call my cell phone again and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
The monthly reporting of my auto loan with Santander is completely incorrect. Each three credit bureaus has completely different reporting and late payments reported. 

My first payment on XX/XX/XXXX is showing reversed. This shouldn't have been the case. The payment was debited from my account. The next payment shown is XX/XX/XXXX for {$400.00}, which apparently covered my XX/XX/XXXX payment. 

The next payment made was in the amount of {$390.00}, only {$270.00} was reported XX/XX/XXXX. This payment should've covered the months of XX/XX/XXXX and only covered XX/XX/XXXX because of the alleged returned payment. 

The next payment of {$800.00} made on XX/XX/XXXX should've covered XX/XX/XXXX and XX/XX/XXXX. The credit report shows XX/XX/XXXX being 30+ days late on XXXX and XX/XX/XXXX being 30+ days late on XXXX  and XXXX There were 2 months of extensions granted for XX/XX/XXXX and XX/XX/XXXX. XXXX  has XX/XX/XXXX reporting 30+ days late The XX/XX/XXXX payment was made on XX/XX/XXXX. This payment should not be reporting 30+ days late since it was made within 30 days of the due date. This caused a rolling 30 day late on my report through XX/XX/XXXX. 

There was an extension granted in XX/XX/XXXX which should've covered my XX/XX/XXXX  and XX/XX/XXXX Payments. XXXX  shows 30 days late XX/XX/XXXX and XX/XX/XXXX and 30 days late for XX/XX/XXXX and XX/XX/XXXX. Four months of different reporting to each bureau. 

There was another extension provided for the months of XX/XX/XXXX and XX/XX/XXXX,  however all three bureaus are reflecting 30 days late. 

The amount of 30+ days late reported are not nearly as much/frequent as Santander has reported. There statement provided is not user friendly AND they had repo charges on there that should've never been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX I had a promise to pay credit acceptance XXXX for my car XXXX XXXX XXXX. On XX/XX/XXXX I paid XXXX on XX/XX/XXXX I paid XXXX and on XX/XX/XXXX since the website would not let me make a payment on the XXXX I paid XXXX have my car not paid in full. Well on XX/XX/XXXX I was about to go pick my son up and my car was gone! My car had been repoed. So I called credit acceptance and asked had they repoed my car cuz I paid my Carnot they said they did not have a repo out on my car to call the metro police to see if my car had been repoed. Well I called the police to see and they said yes it has I'm wondering why since last week I paid my car note. So wen I had called credit acceptance back they said my car was repoed since I paid on the XXXX not the XXXX but why would u take my money if I was past the promise to pay date. They also said they could not do anything that I would have to pay XXXX to get my car back and I jus gave them XXXX the week before sucks

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 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Home Point Financial incorrectly reported my account as delinquent ( past 30 days ) to the credit agencies. I already was notified by the agencies that my rating has dropped considerably due to this and I can verify this by logging into such services that show that. 

HPF is not answering their phones as I have tried to call multiple times this week. They are not responding to emails when they say they will within 24 hours. That time limit has come and gone. And apparently, I was not alone in having my rating trashed. Apparently, they submitted delinquencies on many accounts that they service due to some ridiculous error that never should have happened. 

A credit rating is not easy to repair and they have done great damage to my previously stellar rating. What can be done about this? 

Here is an article giving more details not he matter : XXXX XXXX XXXXXXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a certified letter to Equifax ( credit bureau ) on XX/XX/2018 requesting a 'free ' copy of my report since I was denied a XXXX credit card ( XXXX ). XXXX provided the Equifax address when I contact Equifax. Equifax has not replied or responded to my request, and since they have my current data in file, so no need to 'update ' anything to provide my report. There is a Federal Statute that Equifax ignores. There is a class action suit, and numerous government actions pending against them already. Maybe a local civil suit is in order too? 
It may help to Reference Appt # XXXX from the XXXX correspondence. 

XXXX Today : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I opened a select checking account at SunTrust at their office located at XXXX XXXX XXXX, XXXX, TN XXXX. This was after multiple attempts to open it online and over the phone which all failed. I was told that I had to go into the office to open it, so I did. 

I opened this account with SunTrust only to fulfill the requirements for the SunTrust XXXX Mortgage Program I joined for my condo. SunTrust sent me a flyer advertising a {$250.00} reward for opening this select checking account ( attached ). I read the flyer and was under the impression that as long as I fulfill all the requirements listed there I'll receive the {$250.00} reward. So I made the {$100.00} deposit on account opening, set up the $ XXXX monthly direct deposit for my salary, and made more than 10 purchases with the SunTrust debit card. On XX/XX/XXXX I contacted SunTrust via their online portal asking how I would receive the award and I was told that to receive an answer I had to go into a local office. So I went to their office on XXXX XXXX on XX/XX/XXXX and the agent told me the problem was that the promo code on the flyer was not documented at the account opening. He said he would contact relevant staff the same day. There was no update. So I contacted the staff who had been in touch with me as I was originally applying for the mortgage. There was still no update. 

This is very frustrating because during the multiple contacts with the SunTrust staff when I tried to open the account online, over the phone, and in person, no one ever asked me about promo code. And the so-called promo code was placed on the top of page 2, which doesn't even say " code ''. Therefore I didn't notice it until the agent told me about it when I was at the XXXX XXXX office on XX/XX/XXXX. Now SunTrust is saying this was not documented at account opening and refusing to give the {$250.00} reward. I feel like this is a trick they play on me as a customer. The process of opening this checking account has been long and difficult enough, and now they are refusing to fulfill their promise even though it's not my responsibility. 

The whole experience of mortgage application and checking account opening with SunTrust has been unpleasant. I would not recommend it to anyone based on what I went through.

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 2018-06-05 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: NC

Complaint narrative:
On XX/XX/XXXX, I sent an investigation requests to the credit bureaus. Over 30 days have passed, and I have not yet received responses as I should have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
I own a house in XXXX, XXXX XXXX. The mortgage is held by Seterus, XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX. On my most recent statements, Seterus has been charging a monthly charge of {$260.00} for insurance and taxes. I have complained to the company ( letter attached ) that it is double-billing me, because since I took ownership of the property I have paid the property taxes ( recent XXXX County tax bill attached ), and have carried my own insurance. I have asked Seterus for an itemized statement of complete charges for insurance and tax charges, so I may claim insurance and property tax refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 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: TX

Complaint narrative:
According to the Fair Credit Reporting Act, 15 U.S.C. 1681 XXXX   XXXX XXXX, XXXX don't have the required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report to assure maximum accuracy. I told XXXX XXXX XXXX, XXXX Without proper verification by your company, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity and they told me no. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. 

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report and they told me they don't have it. XXXX  XXXX XXXX, XXXX failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If XXXX XXXX XXXX, XXXX are unable to provide me with a copy of the verifiable proof that you have on file within 30 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-05 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I recently bought a vehicle, and I have received a couple of denial letters, from companies the dealer tried to use as loan options. I had a previous loan with XXXX, but received a denial letter for this particular vehicle. I found it strange, but as I looked into it further, I noticed my credit score was obtained from 3 different companies. XXXX, XXXX, and XXXX XXXX. I have only heard of two of the three companies, and two of the three companies have my credit score as XXXX or above, but XXXX does not. They have me at XXXX. I found this odd, and started researching a bit more into this company. This is where you come in. Many people have been filing complaints about this place and I feel it is only necessary I file one as well. I have not had any direct complication with this company, as I have never heard of them before. However, they are obviously affecting people like me in a negative way. I refuse to just sit by, and let unknown companies have any effect on something I have worked VERY hard at. Credit is not easy to obtain and maintain, and something like this shouldn't be taken lightly.

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 2018-06-05 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:
On XX/XX/XXXX, I sent an investigation requests to the credit bureaus. Over 30 days have passed, and I have not yet received responses as I should have.

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 2018-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
i wasn't aware of this company or this debt pop up on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FRANKLIN LOAN CORPORATION
State: CA

Complaint narrative:
XXXX now owns the mortgage but it started with Franklin Loan Company. In XX/XX/2017 when we were finalizing our mortgage in escrow, XXXX XXXX of Franklin Loans apparently submitted the amount of property taxes that we needed to pay in escrow. 

The amount for 7 months of property taxes on a sale price of {$400000.00} was only about {$1200.00}. This amount was very low and has now led to XXXX charging us {$500.00} a month more on our mortgage of {$2500.00}. XXXX also claimed that we need to have a {$1500.00} cushion in escrow, which Franklin Loans did not account for. 

I called XXXX XXXX and asked him about the property taxes. He responded that he no longer works for Franklin Loans and suggested filing a complaint with FCPB.

Company response to consumer: Closed with monetary relief