vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 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: CA

Complaint narrative:
RE ; BAYVIEW LOAN SERVICING - LOAN # XXXX I am writing to you because I am tired and sick of Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX who is now refusing to help me with my modification request made over 6 months ago. 

I tried calling for the past 3 weeks and every time that I speak to someone from Bayview Loan Servicing they keep telling me that XXXX XXXX is on vacation and they do n't know when is she going to return back. 


All I ask for is help to modify my loan since Bayview Loan Servicing & XXXX XXXX phone # XXXX extension XXXX keep increasing my mortgage payment from {$2600.00} to {$3800.00}. I just found out that my monthly payment will be going up again to {$4600.00}. 


Please help since there people are taking advantage of me and my family. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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:
Hello I have submitted a dispute with Equifax to have some unauthorized inquiries on my credit report removed. The dates the disputes were submitted was XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I always wait my 30 days out to get results and I am getting the same results. There has not been an investigation and no paperwork has been sent to me from these creditors that have pulled my credit. Equifax is not even doing the work to contact these creditors because I submitted a dispute on XX/XX/XXXX and on XX/XX/XXXX the results were back in so there was no 30 day period for them to doing their job. I am at whitts end with this situation with no results and a fraud alert has been on my credit report several of times due to these unauthorized inquiries, but they have not removed them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCC Business Services, Inc.
State: NH

Complaint narrative:
NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$300.00} NCC XXXX XXXX VILLAGE/HOUSING MGT/S {$600.00} I have lived up to my agreement and nothing is owed by me. I understand that the property XXXX, XXXX XXXX, was quite annoyed by the complaint I submitted to her home office about her, but there was no need to engage in a petty attempt at retribution against me and costing NCC to service a fictitious bad debt note. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XXXX/XXXX/XXXX Monthly payments of {$850.00} were due on the first ( 1st ) of each month, and considered late on the sixth ( 6th ) of each month. 
And, as the original lease reads, the monthly rent was a flat {$850.00} XXXX see attached XXXX XXXX XXXX. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page XXXX of the Original XXXX XXXX XXXX XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Altisource Portfolio Solutions, S.à r.l.
State: IN

Complaint narrative:
XXXX XXXX, XXXX VIOLATED THE STATE DO N'T CALL REGISTRY TWICE, 3 STATE CONSUMER LAW 'S AND DECEPTIVE COLLECTION PRACTICE.

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 2017-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am an victim of ID theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used or benefited from these accounts or transaction in any way. Please delete all these.

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 2017-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a XXXX XXXX victim, I have my mortgage financed with Wells Fargo and am trying to get an SBA loan to pay for repairs on my house due to flooding. I called Wells Fargo to ask how I get them the notification that I am obtaining a SBA loan and was told over the phone that I should take it to a location to expedite the process. I took it to a location the same day and was told that I should have faxed it and I could n't get it authorized at a branch. They faxed the document and I have been contacted by Wells Fargo twice that it was received but it has now been 3 weeks and I still do n't have an answer or the form so that I can move forward with the SBA loan request. I desperately need an answer so that I can start the process of recovery.

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 2017-11-09 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: CA

Complaint narrative:
Hi I am having big problems with = Experian. com, on = Fraud & Thefts, Embezzlements, to my Credit Reports from them, a criminal group have been, racketeering off me? plus I have a, DA victims crime bureau case, just got ta fill out, Docs, plus got a Investigation Board in my Room, on this Group, I, m ex law enforcement,. 

The, Experian, Co, said I had = over = 26 Accounts of Fraud & Theft, done by, loans, advances, lines of credit, credit cards, purchases on files, I Got police Case on Experian, XXXX, XXXX, Clarity, I would like your Co, to get these All Legal Accounts, of fraud & Theft, and I give you permission, to collect my Financial Losses, from Every one Accounts please, By Laws & Regulation codes, penals, my = Bank Statements I have = they will be submitted today seperatly for all credit co, s on file and totals ok, any problems email me or call? my reasons why I do n't call or ask them, I, m sure there playing games here with my owed losses of acc, its a big mess = I got fraud & theft in almost every subjects by

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 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
To the best of my knowledge, Credit Protection Association ( CPA ) began reporting a collection for XXXX, in the amount of {$290.00}, around XXXX 2017. XXXX took over from XXXX and believe you me, it was all downhill from there. Their customer service, billing, and other representatives would have to work their way up to become incompetent. Nonetheless, since I have no knowledge of this debt, I have disputed it via the individual reporting agencies ( XXXX, XXXX, XXXX ). CPA has verified the account to each, so it remains on my credit reports. I have yet to receive anything to validate the debt, so I am still unsure if it is even legitimately mine. Since they wo n't remove it through the reporting bureaus, I 'm not sure how else to get it done, other than to report it here.

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 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
My husband & I are seniors with a landline. We have gotten into the habit of NEVER answering a call unless we recognize the number calling. About six months ago, we started receiving calls from about ten different numbers that always said the name of a city near our vicinity -- XXXX, OH ; XXXX, OH ; XXXX XXXX, OH, etc. on the caller I.D . We never answered these, but noticed that they were always " XXXX '' area code & began with the same three digit exchange -- " XXXX. '' There were too many numbers calling for us to block them with our phone provider, so we just suffered through, being interrupted at all times of the day to rush to the phone, only to see it was one of these XXXX. After so many months of this, I finally called one of the numbers back immediately after they had called us. They did the whole, " this is an attempt to collect a debt '' spiel and then informed me that they were looking for our son. They are Diversified Consultants calling for XXXX XXXX. My son has n't used our landline as his phone number for over TEN YEARS! And should n't XXXX XXXX have his cell phone number as they used to provide his service? And yet they are constantly bothering me & my husband every, single day for six months, sometimes calling five or six times a day starting at XXXXXXXX XXXX. They will never reach my son through this number, and I informed them of that ; they still continue to call. They do n't call as often, and they have begun calling us from different locations -- XXXX, IL or XXXX, OH, but they call us still. We are not responsible for our son 's debts. He is over XXXX, and self sufficient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 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: ML Credit Holdings, LLC
State: CT

Complaint narrative:
This company has inquired information on my credit report that has resulted in hard inquiries being reported to the credit bureau. Resulting in a decrease in my credit score. They have no written permission to do so. They have done the same for my husband and don't have his information at all. I'm not sure how they are able to run his credit or mine without written authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I will be filing a claim with the Consimer Financial Protection Bureau for the devious sales tactics of the concierge desk that we experienced this week. 

Our experience with XXXX XXXX was not representative of the service we expect when booking a higher priced hotel through XXXX XXXX XXXX than what we could get on XXXX. We requested a crib which we never received we were not able to order room service until after waiting an hour for someone to bring us a menu after calling three time and then my wife was not served at the lobby bar because she had our daughter with her. 

We then called Concierge told them about our experience and she assured us that XXXX would reimburse us the cost of the expenses at the hotel of {$460.00} and then proceeded to book us into the XXXX XXXX which was {$800.00} which we were fine with since we assumed we were getting reimbursed for the night at XXXX. 

When when we disputed the charge the digital travel department blamed the concierge desk and concierge desk blamed digital. XXXX employs concierge staff who are incentivized to sell higher room, although in this case, XXXX XXXX, Travel Counselor with XXXX concierge used our dissatisfaction to out us into a more expensive hotel and said we would get reimbursed.
There are clearly no checks and balances with the concierge at XXXX  which had cost us over {$1000.00} this week. XXXX has closed our case with no compensation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 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: MIDCOUNTRY FINANCIAL CORP
State: TN

Complaint narrative:
I just received notification from XXXX XXXX that I had an credit inquiry on my credit report. I did not authorize anyone to do a credit check on me. Opened my file and saw that it was XXXX XXXX.This is IDENTIY THEFT. I am wanting this removed from my credit ASAP along with a letter stating it was removed.

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 2017-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have had my credit cards stolen and my identity information compromised and asked TransUnion to put a freeze on my credit reporting. The other 2 majors ( XXXX and XXXX ) did this without charge but Tranunion will not ... want to charge me XXXX  dollars ... by credit card that they may have allowed to be hacked I believe that TransUnion is the breach of my info.

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 2017-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has several inquiries on my report that were not authorized by me and the result of identity theft/fraud. I reached out to Transunion at least three times over the course of the past few weeks to no avail. 

Typically Transunion always responds and states that I have never reached out to them, bu this is not true. Please see my most recent attached copy of the letter that was sent to Transunion, along with a copy of my police reports of ID theft.

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 2017-11-09 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: FL

Complaint narrative:
I was denied a credit card and the reason cited was that my credit score reflected a debt that was sent for collection. I am unaware of this. When I requested my credit report, I didnt see anything about accounts sent to collection.

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 2017-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
I received a random phone call stating very random information. Upon calling back was threatened and yelled at to pay and told if I was lucky I would be offered a settlement but then was yelled at and hung up on by the person on the phone claiming to be XXXX  XXXX. Person never identified which company they work for. I am worried this is a scam and that my identity may have been compromised.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
Every semester during my college years attended, I was required to apply for FAFSA, only to be denied. I was told the reasoning was because my parent 's made too much money for me to qualify, even though I was living on my own, paying for my own college, and filing my own taxes. I had no choice to be eligible for financial aid until after a certain age. I was forced to take out private loans for most of my college attendance, unaware of the exact price I would be expected to pay because every loan gives only an estimate when you apply. I either had the option to drop out and have nothing to show or continue to put myself in debt to finish my degree. I am almost out of school for 3 years after graduating in XXXX and have yet to find a job even remotely close to afford my private student loans. I have applied to hundreds of jobs within my degree field and no one these days wants to hire someone without 3-5 years experience. Companies have gotten lazy on willing to train new employees. Since my degree is in the XXXX field, I figured I would have no problem finding a job with decent salary-that has not been the case. I have been working in a XXXX, which I have done since before I even was in college. I can not find a job that pays better than what I currently make and besides lack of Sallie Mae is the WORST company between harassing me and people not associated with my loans. They have contacted my grandmother who has nothing to do with my loans, calling my parents and myself at our place of work and during non-business hours. I have received calls on weekends as well as early as XXXX and as late as XXXX. I feel I have been taken advantage of and even though I explain that I am working 40 hour weeks and still can not afford the payments they try to ask of me ( with all my lenders, totals over XXXX XXXXmonth ), they have ruined my credit and keep adding interest on my late fees. They refuse to help negotiate terms to make payments affordable and act like I 'm the bad person for not being able to afford their absurd repayment terms. The entire student loan system hurts the middle class. If my parents were n't so lucky to make what they do to survive, I would have gotten financial aid, yet if my parents were wealthy, they most likely would have paid for my college. Because I am a working individual with no kids and working to put myself through school, I get penalized for trying to get my education. It has been the biggest burden of my life and has made me regret going to college at all. My financial aid counselors were never helpful and I have had several during my attendance. Go to college, they said. You will find a great job only if you have a degree, they said. Well, THEY were wrong.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
Out of the blue this list a collection from 2009 that is not mine. They are doing this to negatively effect my credit and refuse to validate the debt or give ANY info in the debt. Its clearly being done to harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GOLD KEY CREDIT, INC.
State: OH

Complaint narrative:
After applying for a mortgage loan, I was notified that I had a medical collection being report by XXXX XXXX XXXX for XXXX. I reached out to the company, and they are stating this is a medical payment they received due to nonpayment, however, I have verified with my insurance provider that they made payment on this directly to the medical provider. I then requested the collection company provide me an affidavit of debt to verify they had legal rights to collect and I was the actually debtor. The associate at Gold key stated they did n't need that and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 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: CA

Complaint narrative:
Hi I have = Equifax credit bureau, plus = XXXX XXXX XXXX on = theft & fraud, Embezzlements acts on my credit reports, on Equifax I sent for the reports to be mailed 2 times, plus, called up to 4 times ordering my credit reports on = these crimes = never got any mail Docs, in mail at my moms house = this is from the groups that are stealing my mail, XXXX, calls, etc crimes = with my = DA, victims crime bureau case court trials, on Equifax theres lots of accounts please verify and collect my legal owed money on, plus Banking, On My = XXXX XXXX there is a major mess on a groups, XXXX & Thefts, Embezzlements, and XXXX XXXX XXXX, tradings, etc Up The walls on some group took over my full credit XXXX XXXX  and what am I to think about = clarity to XXXX XXXX Equifax, you have my permission to receive these Docs and Collect whats Legaly Owed, plus Banking will be sent separately Today, I do n't need a mess waiting on these financial losses from past to now please, legaly state with Co, XXXX Please all of them, speedy timing acts on all thankyou by.

Company response to consumer: Closed with explanation