vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I 've contacted Citimortgage for many months to request help on reducing my monthly payments with a reduced interest rate and longer time to pay off the mortgage. I XXXX in XXXX this drastically reduced my income, I provided proof of my very limited resources but they are not really abiding by the rules of FHA where help is giving on the income to mortgage payments ratio. Instead I received a letter saying that I am authorized for a short sale! This is insulting and not acting in good faith, they want me and my wife to live on the streets now? After I have paid on time for almost 2 decades, they are holding this against me instead of helping. This short sale approval will affect my credit? Is it reported in any way to credit bureaus? This is NOT acceptable, I did n't ask for short sale, it is insulting they offered me this. I want a mortgage payment that is aligned to my income. Instead the guy that told me they ca n't help me implied/suggested I should default to be considered for help! What kind of institution does this? Please look into this matter and help me get a more affordable payment, the interest rate is actually high

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 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
Due to the mortgage crisis I became unemployed/underemployed and subsequently filed for a loan modification with my loan Servicer ( previously XXXX, currently SETERUS ). I filed for a modification repeatedly since XXXX, yet each submission was ignored, or denied for arbitrary and baseless reasons. Example, in late XXXX the Servicer denied an application submitted earlier that year stating that I had not identified my hardship as having ended - although I expressly said that it ended and included an end date on page 2 of the Uniform Borrower Assistance Form. I subsequently filed a complaint with CFPB and resubmitted my application. In XXXX XXXX SETERUS offered a Loan Modification Agreement ( LMA ) which inflated the loan amount by over 50 % ( outstanding loan should be ~ {$90000.00} LMA calculated as ~ {$150000.00} ). The inflated loan amount failed to account for loan payments made to the prior Servicer in XXXX and correlated interest due on the loan and, included insurance and tax payments covered by separate payment arrangements. In XXXX XXXX, via certified mail, I sent notice of general LMA acceptance with a requested revision to address their miscalculations. In response SETERUS sent notice of LMA denial for failure to accept terms, but failed to address the loan balance miscalculations.

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, Acura indicates that they NEVER received a XXXX XXXXXXXX XXXX letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, Acura has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried to delete inaccurate information from my Experian credit report but Experian refused to do that. I told them to delete incorrect name but they refused to do that. I told them that according to FCRA they should correct all inaccurate information and remove all wrong names but they insisted in doing illegal behavior and they refused to delete incorrect name. 

My correct name is following : First Name : XXXX Last Name : XXXX XXXX I do n't have middle name. My last name is a compound last name so it has two words. There is a " space '' between " XXXX '' and " XXXX ''. 

All other names and aliases should be removed including the following : 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 non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
They have called my work number which is not allowed repeatedly. They never leave a message but my employer does not allow outside calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WV

Complaint narrative:
Loan was modified by Ocwen and taxes and insurance were to be escrowed. 

We have 3 parcels of land all on 1 deed with the house sitting on 1 of the 3. 

We find out from the State of WV that our house was sold at a tax deed sale for XXXX XXXX dollars for delinquent taxes and of we do n't immediately pay XXXX XXXX dollars our hone would be deeded to the highest bidder and Ocwen will lose their XXXX XXXX dollar mortgage they have on the home. 

This was a huge shock to us as we were under the impression the taxes were paid by the lender. We contacted Ocwen XX/XX/XXXX Here Ocwen was only escrowing the smalles of the 3 parcels on the deed. OUR PROPERTY TAXES WERE NOT BEING PAID SINCE XX/XX/XXXX. Now there are thousands of dollars in fees that need paid as well to the State of WV. This is a hige mistake on their part and whomever did the modification did not set escrow up correctly. 
I have called and called and called with no resolution. I asked for my problem to be escalated as it is a time sesitive issue. Noone knows what they are doing there. We need your help. Please.

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XX/XX/XXXX sometime. It was in XX/XX/XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XX/XX/XXXX letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Please refer to complaint # XXXX. Since there is no way to reopen a complaint I am forced to open a new one. In the complaint previously filed, XXXX indicates that they NEVER received a XXXX XXXX, 2016 letter from me regarding the issues I was having with their credit reporting. It took me a bit longer than I would have liked, but I knew I had a copy of my letter along with the signed Returned Receipt and my receipt from the Post office. As I have indicated in the prior complaint, XXXX has been the most disorganized company to work with and even when I was paying ahead of schedule they were showing Late payments and reporting it to the Credit bureau. In their response to me which they attached a copy to the above complaint they indicate their first notice of this complaint was in XXXX sometime. It was in XXXX and I am attaching the proof. This is not fare to comsumers and should not be allowed. Once again you can see that they ca n't keep their own records straight, yet they are allowed to ruin their customers credit. Please address this. They have once again lied.

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 2017-08-24 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:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I applied for a Wells Fargo Secured Credit Card on XX/XX/XXXX with the intention to establish a credit history and graduate to an unsecured WF credit card as soon as possible. When I applied for the Wells Fargo Secured Credit Card, neither the Account Agreement nor the Terms and Conditions specified any restrictions on the eligibility for an upgrade to an unsecured WF card. On XX/XX/XXXX, after almost three years with the card and multiple contacts with WF customer service confirming that nothing on the account speaks against an upgrade of the account and asking for more patience, WF still has not upgraded the account. This appears to be due to a clandestine addition of restrictions on upgrade eligibility to the Account Agreement and Terms and Conditions by Wells Fargo without informing customers of these restrictions. Specifically, WF added a clause rendering individuals who are not " U.S. Citizens or Permanent Resident Aliens '' ineligible for upgrades. 

The attached files are the Wells Fargo Secured Credit Card Account Agreement that WF provided to the CFPB which does not include any language on upgrade eligibility, the current Account Agreement provided on WF 's website as of XX/XX/XXXX which does list such restrictions, the Terms and Conditions at time of application for the account ( XX/XX/XXXX ),  and files that document the timing at which upgrade eligibility criteria where added to the Terms and Conditions ( XX/XX/XXXX ) and to the Account Agreement ( XX/XX/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 monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by IQ Data International. IQ Data International does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they supposed to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. I sent IQ Data International a creditors validation letter to support their rights to collect a debt as a third-party debt collector in Texas. So, I checked the Secretary of State Texas Debt Collections Division website and found out that IQ Data International is breaking : " Texas Finance Code section 392.101 which prohibits a third-party or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtained a surety bond and file a copy of the bond with the Office of the Secretary of State. Also, you can not operate in the state of Texas with a P.O. Box '' I am in need of another Investigation to remove them from my credit report, please. In my case against IQ Data International, they are not registered with the State of Texas proven they have the right to collect debt in Texas.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Over the course of the last 3 years I have contacted my loan service to ask for accommodations regarding the monthly repayment amount. AES was the initial servicer. I read in the news about Public loan forgiveness. I was told by AES that my loans needed to be direct fed loans. I completed the process as advised by Fed student aid or studentloans.gov to consolidate my loans to become fed direct. Therefore qualifying for public service forgiveness plan. Upon completion of the consolidation I was told I do not qualify for the public forgiveness because I am not on an Income based payment plan but if I applied and approved all payments made to date as direct fed loans would count in the forgiveness plan. I was denied IBR. My combined income was too much. 
Recently my wife lost her job and I called studentloans.gov to get help. They said I can not reduce my payments any further than $ XXXX/mo. Unless I was on the IBR. on XX/XX/XXXX I completed another IBR application due to my wifes loss of income. When I was done submitting the rep on the phone told me that none of my previous payments would count as Public forgiveness even if I was approved for the IBR. 
My issue is with the loan amount and the monthly repayment. The rep at studentloans.gov told me that $ 200+ is going interest and not principle. I am XXXX and based off of the current repayment plan I will never pay this off. We are struggling to get the monthly amount paid and it is causing hardship at home. Since graduating college in XXXX my loan amount has INCREASED due to needing forbearance many times. 
I need help! I have talked to my loan providers on 8 occasions and have received many mixed messages from the different reps. Only once did they offer or talk about IBR as an option. No other help was given. I had to seek information about public service forgiveness on my own and only then did they talk to me about it. I simply can not pay $ XXXX/mo. That is an unreasonable amount. I am a federal employee so my job is at risk as well. If these loans go default they will terminate my employment. If they garnish XXXX/mo we will lose daycare for my youngest child and not to mention my credit report will suffer greatly. I have reached out to fedloans.gov and studentloans.gov as well as the schools I attended and no one is able to assist. I have asked the universities to provide me with a statement of costs for the classes I took. All of them have said they cant give me that. I want to know if my balance is even legit or have I been double charged or charged out of state tuition when I was actually a resident. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Quality Asset Recovery LLC
State: NJ

Complaint narrative:
Have had numerous phone calls to my house when pick up no one there at all would like someone to send me information if I owe a debt from this company and stop phone calls to my home! Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent a letter numerous times to Transunion requesting they remove a hard inquiry from my account. The inquiry is from XXXX XXXX XXXX. I called the company as I had never heard from them before and they claim my name was on something else from another one of their companies and their secretary made a mistake. They wrote a letter to Transunion back on XXXX XXXX, 2016 telling them it was a mistake and to remove the hard inquiry. They further explained to me that they never even got a report from Transunion as they did not submit the request with any information ( DOB, SS #, etc. ) as they did not have that information to submit. I have filed numerous requests with Transunion to remove this hard inquiry and they simply ignore my request by sending me a copy of my credit report. I 'm getting pretty tired of this and do not understand how they are allowed to ignore these things or simply not respond to a concern. This is not appropriate and I am asking for your help to address this wrong doing on Transunion 's part. Thank you.

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 've sent several letters certified mail to all three credit bureaus asking them to contact creditors that I have been unable to reach to verify that the accounts that are reporting negatively on my credit reports belong to me. I 've been a victim of fraud and I have been working tirelessly to clean up my credit and establish positive accounts to outweigh the bad due to this unfortunate circumstance. The last letter that was sent to the credit bureaus was received by them on XXXX XXXX, 2017 according to USPS tracking confirmation. The accounts that I have been asking for verification to prove that they belong to me are from creditors XXXX XXXX XXXX {$4800.00} XXXX, XXXX XXXX XXXX {$300.00} # XXXX, XXXX XXXX {$6600.00} # XXXX, XXXX XXXX XXXX {$390.00}, XXXX XXXX XXXX {$290.00} # XXXX. As a consumer I have rights under the FCRA & Federal Law that mandates creditors have 30 days to respond to disputes. I have yet to receive any response from any of these creditors or proof from the credit bureaus that these are validated as they say. Before I begin to take legal action I 'd prefer that this be settled by this third party platform.

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