vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Through an extensive investigation and evaluation of our mortgage documents including the Deed, Corporation Assignment of Deed of Trust, Adjustable Rate Note mortgage note by an expert with special skills including handwriting analysis, we have discovered that our mortgage documents that Bank of America has used in filing multiple foreclosures against us contain extensive fraud and defects, those defects include backdated documents, wrong county crossed out, falsely stated dates of transfer or no dates of transfer at all, fraudulent notarizations, forged signatures, signed by employees of the servicers or document preparers who often falsely claimed to be officers of the originating banks and other entities up the chain of assignments, and were robosigned ( i.e., signed in bulk ). <P/>Exhibit A ) Adjustable Rate Note the signatures on the document are forged, the county is wrong, all the lines for signatures have the same defect. Exhibit B ) Corporation Assignment of Deed of Trust, filed XX/XX/XXXX ; however, this date contradicts the closing date on Exhibit E ) Pooling Servicing Agreement, which states a closing date of XX/XX/XXXX, therefore Bank of America filed the fake, robosigned Corporation Assignment of Deed of Trust FIVE YEARS TOO LATE. In addition The Corporation Assignment of Deed of Trust is also backdated with a effective date ofXX/XX/XXXXXX/XX/XXXX the reason the document was backdated because Bank of America was foreclosing on our home without standing from XX/XX/XXXX through XX/XX/XXXX, so Bank of America filed this fraudulent document back date their standing for foreclosures from XX/XX/XXXX through XX/XX/XXXX. Furthermore, The Corporation Assignment of Deed of Trust is also signed by a ROBO SIGNER XXXX XXXX Assistant Secretary.  In addition, the defects in the The Corporation Assignment of Deed of Trust states Certificateholders of XXXX, XXXX XXXX XXXX XXXX-XXXX   Trust XX/XX/XXXX-XXXX is listed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Bank of America Corporation , XXXX XXXX XXXX XXXX XXXX..listed as Exhibit A of List of Trusts That Used Fraudulent Mortgage Documents PLEASE SEE EXHIBITS ATTACHED Exhibit A Adjustable Rate Note Signatures on this document are forged Exhibit B Corporation Assignment of Deed of Trust This document is completely fraudulent Exhibit D Pooling Servicing Agreement states attached is a copy of prospectus supplement dated XX/XX/XXXX, received in this Commission on XX/XX/XXXX, under the name of XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX-XXXX , File No. XXXX.. Exhibit E Pooling Servicing Agreement stating that trust closed on 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 explanation
Consumer complaint received 2017-07-10 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: NC

Complaint narrative:
I have sent multiple letters to Experian National Consumer Assistance Department XXXX  Consumer Relations, and XXXX XXXX XXXX XXXX about multiple unknown collection accounts that have been reported on all three credit reports. <P/>Experian National Consumer Assistance Dates : Certified Letters : X/XX/2017,XX/XX/2017. Online disputes : XX/XX/2017, XX/XX/2017, XX/XX/2017,XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} closed unverified ) XXXX Consumer Relations Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and still unverified ), XXXX XXXX XXXX ( XXXX {$450.00} open unverified ), XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX Hospital {$1100.00} open unverified ) XXXX XXXX XXXX XXXX Dates : Certified Letter : XX/XX/2017. Online Disputes : XX/XX/2017,XX/XX/2017, XX/XX/2017,XX/XX/2017, XX/XX/2017, XX/XX/2017. Accounts that were disputed : XXXX XXXX ( {$1400.00} closed and unverified ), XXXX XXXX XXXX ( XXXX {$450.00} closed unverified ), XXXX XXXX ( {$24.00} closed unverified ), XXXX XXXX XXXX XXXX ( {$160.00} closed unverified ), XXXX XXXX ( {$50.00} closed unverified ) These companies, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amounts listed above with XXXX, Experian, & XXXX credit reporting agencies. I requested verification of the debt and account however the business and credit reporting agencies have failed to provide adequate proof. Instead of deleting these accounts ; they have been closed and remained open with derogatory remarks on my credit file which has caused not only XXXX but slowed down the process of buying my first home. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

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 2017-07-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
On X/X/2017 I called Clay Cooley aka XXXX XXXX to pay my {$23.00} late fee for XX/XX/XXXX and make arrangement to pay on X/XX/17 I was advised they will reset gps that was beeping as reminder and can not accept payment due to the loan being sold. I asked if this is legal and express my concern that I have not sign any contract with anyone else and was not notified by Clay Cooley that this was going to take place and has via phone call or mail. She apologized and provided me with contact number and name of company that has my contract of XXXX XXXX XXXX. I called and advised I did not feel comfortable speaking with them and feel I should not have reached out for I have no signed contract with you and uncertain that this is legal, the rep then advised that a welcome letter was mailed and I should receive by the weekend and I can make arrangement to pay as I was with Clay Cooley for XX/XX/XXXX. I again expressed my concern and advised I will look over my contract with Clay Cooley and what every you mailed, try to seek attorney advise and revert back if that 's what I should. Is this legal, I did not see anywhere in my contract that Clay Cooley can sell my obligation. I 've attached a copy for review. Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
On XXXX XXXX, 2017, a check for {$21000.00} ( final payment for total loan pay-off ) was received in error by the Department of Education for my private loans serviced by Navient. The address was provided by one of their representatives. I noticed the check was deposited but never allocated to my account. I called to follow up approximately one or two months later ( no communication received ) and was notified the check was sent in error and a refund was to be processed. I was told a new check would have to be mailed to the appropriate PO Box to be applied to my account. If I did not call, a refund would never have been processed and I would not even know an error existed. Interest continued to accrue on my account, even after a new check was mailed. I have called several times and representatives have told me a request to backdate the check would be submitted to remove the remaining balance. I have documentation and all representative badge numbers - The check was never backdated and interest continues to accrue on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: AZ

Complaint narrative:
The scope and nature of this complaint regards the negligence ( willful or otherwise ) of Equifax not deleting two public records on my Equifax credit report : A XXXX Ch. 7 bankruptcy and a released and satisfied Federal tax lien judgement. Following proper dispute procedures with Equifax for several years now, ultimately culminating in a small claims judgement against Equifax that resulted in a default judgement against Equifax for non-compliance with the courts by not providing signature proof of both records, Equifax eventually paid its fine to me as the Plaintiff through its Litigation Department, yet never deleted the public records per the judgement and court case against it. The following is a bulleted timeline of disputes : -- First dispute of bankruptcy record,XX/XX/XXXX ( online, requested verification ) -- Equifax responded within 30 days,XX/XX/XXXX( reported " record is verified '' ) -- Second dispute of bankruptcy record,XX/XX/XXXX( Certified letter requesting validation ) -- Equifax responded within 30 days,XX/XX/XXXX ( reported " record remains on report '' ) -- CFPB complaint filed,XX/XX/XXXX, regarding Equifax refusal to comply with requests to provide signature proof validation and verification per laws within the FRCA -- CFPB returned response from Equifax, XX/XX/XXXX, reiterated that both records had already been verified previously and were " accurately reported by Equifax in accordance with the fair credit reporting act. '' However, Equifax never provided the CFPB nor myself any signature validation and verification proof of these records. -- Warning letter sent to Equifax regarding possible legal action in small claims if it does not provide signature validation proof of records, XX/XX/XXXX ( Certified letter ) -- Small claims action filed against Equifax and its statutory agent in local court, XX/XX/XXXX, regarding refusal to delete bankruptcy record and a Federal released tax lien record -- Failed to provide courts evidence of proof of validation and verification of both records, XX/XX/XXXX -- Affidavit for judgement against Equifax as a Defendant filed with courts, XX/XX/XXXX, for {$1700.00} -- Judgement for Plaintiff awarded,XX/XX/XXXX -- Demand letter to settle the judgment and remove records from credit report sent to Equifax Ceo and its Statutory Agent, XX/XX/XXXX ( Certified Letter ) -- Equifax Litigation Department settles its financial judgement,XX/XX/XXXX -- Equifax notified to remove bankruptcy and released tax lien records from credit report post its loss in small claims court, XX/XX/XXXX ( Online dispute ) -- Equifax responded within 30 days with " records have been verified and updated, ''XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-10 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:
my Identity was stolen and personal information was compromise. I filed a police report with my local police Office, including the federal trade commissioner, I also set up a fraud alert with all the three credit Bureaus, ( XXXX, XXXX, Experian ) I contact XXXX XXXX but they could not trace any information. neither they would able to help me the issue please refer to credit report attach

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 2017-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Hi, I would like to say that this is overwhelming to me already i have sent letters to all creditors that appear in my credit report that have inquire about me i have ask for them to prove to me that they have got my permission to get my credit report and 90 % of them are all online inquiries and i have not done none of them i also told them in letters to please prove to me its me or to remove the inquiry and they have not responded with proper documentation, and they dont want to remove them selfs only XXXX & XXXX removed them selfs this is hurting my credit reports CFPB please help me get a better responds. <P/>i have hire company such as XXXX & XXXX XXXX to get this issue resolved and no this creditors dont want to get out of my report.

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 2017-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
XXXX XXXX did not follow California Law where a consumer is given the opportunity to dispute a debt. There is now a Collection Status on my credit report, negatively affecting my credit score. In XX/XX/XXXX& XX/XX/XXXX, the account was under investigation with XXXX, but the results were considered 'Verified As Accurate ' after the second dispute.

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 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX granted a mortgage to Beneficial Homeowner Service Corporation ( " Beneficial '' ) in the amount of {$23000.00}. Said mortgage was consolidated with a new loan with Beneficial in the amount of {$35000.00} on XX/XX/XXXX to form a single lien of {$58000.00}. Said consolidated mortgage was further consolidated with a mortgage dated XX/XX/XXXX in the amount of {$44000.00} to form a single lien of {$100000.00}. On XX/XX/XXXX, Beneficial caused a satisfaction to be filed in ACRIS, in CRFN XXXX, unfortunately said satisfaction contained the incorrect amount to be satisfied and incorrect mortgage recording information. A request for a corrected satisfaction of mortgage was received by Beneficial on XX/XX/XXXX and signed by a XXXX XXXX ( see attached ). Follow-up calls to Beneficial were met with " we have not received the request '' to " it 's being worked on '', all on the same call. On Monday, XX/XX/XXXX, XXXX in the lien release department informed our office that this matter is being handled by their bankruptcy department. XXXX from the bankruptcy department advised our office that they have not received the request and can not find this particular loan and that there are other loan but they do not list the amount. XXXX XXXX is in the process of selling the property and due to Beneficial 's inability to process a satisfaction of mortgage/lien release, XXXX XXXX is in jeopardy of losing the property in a foreclosure action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax is reporting 2 account that are over 7 years, account needs to be deleted. the account is XXXX XXXX and XXXX XXXX. XXXX XXXX isXXXX XXXX XXXX XXXX XXXX, IL-XXXX ( XXXX ) XXXX they are lying about date of last activity, they say it takes 10 years for a credit account to be removed, this account is over 7 years, All people there ca n't talk English and know nothing about credit. This needs to stop. The people there are unknowledgeable, unwilling to help, and rude. Equifax iis very slow to act, web site is terrible. This problem should be brought to someone 's attention. Disgraceful as a CRA can get.Same problem with ed financial, this account was cancelled due to XXXX of borrower, its in their cancellation clause. But Equifax always says that verified, wrong look it up if borrower is declared XXXX, loan is cancelled. This was the case. Company policy states this, Equifax wo n't take the time to review

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have applied for loan modification and have given Bayview Mortgage all my info and income and been denied laon modification, I am  XXXX   XXXX   XXXX  and have asked for assistance but yet been denied. I am very able to start making mortgage payments and get back on track, just need a loan modification for the past due amount. I am asking for assistance and yet can not get any help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: IN

Complaint narrative:
My mortgage loan is currently serviced by Specialized Loan Servicing ( SLS ). I have tried to obtain a loan modification from the them for many years and was recently was advised that a trial loan modification offer was sent out on XX/XX/XXXX,  which I never received The offer called for monthly payments of {$2100.00}, beginning XX/XX/XXXX with a 280 month term. This is an offer I would have gladly accepted since I am able to afford the payments. SLS advised that the offer was sent via USPS regular mail, so there is no way to track the package. Since I never received the modification offer, there has been a serious lack of transparency in the process, since a single point of contact was never assigned to the case. Per the CFPB mortgage servicing laws, transparency and a single point of contact are a requirement. I am requesting the SLS reset the trial loan modification offer, since they failed to abide by the the CFPB law. Per Indiana Code 32-30-10.5, mediation is a requirement prior to foreclosure, which SLS is trying to bypass as well. Since SLS has set a foreclosure sale date of XX/XX/XXXX, I am seeking your assistance on this matter.

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 2017-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMCOL Systems, Inc.
State: AZ

Complaint narrative:
I visited the ER at XXXX XXXX on XX/XX/XXXX. I paid the {$250.00} co-pay at that time and I have the receipt. I received a billing notice for {$250.00} from XXXX XXXX and called them on XX/XX/XXXX and explained to XXXX/patient service rep that my {$250.00} co pay was paid at the time of my ER visit. She said she would correct their records. <P/>I received a letter dated XX/XX/XXXX from AMCOL Systems ; a collection agency stating I owed XXXX XXXX {$250.00}. I immediately sent them a copy of my receipt with proof the {$250.00} co pay was paid through my health savings account. <P/>I received another letter from AMCOL Systems dated XX/XX/XXXX stating I still owed this amount, along with an itemized bill from XXXX XXXX. <P/>I called AMCOL Systems on XX/XX/XXXX and spoke to XXXX. I explained my situation to her and she kept telling me that they are trying to collect a debt. I kept telling her there is no debt as I paid my copay at the time of my ER visit. <P/>This collection is now on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
PURCHASED XXXX USED XXXX XXXX XXXX FROM US AUTO SALES IN XXXX GA, XXXX 2014. HAD ALOT OF PROBLEMS WITH VEHICLE AFTER DRIVING OFF LOT, THAT WERE VERY DANGEROUS. THOSE PROBLEMS WERE FIXED. NOW, THEY HAVE N'T REPORTED TO XXXX FOR 3 MONTHS AS AGREED IN CONTRACT LAST YEAR. THERE IS A CONTINUIOUS PROBLEM WITH THEM REPORTING THE WRONG AMOUNT OF PAYMENT DUE WHICH IS SUPPOSED TO BE XXXX. THEY HAVE BEEN REPORTING XXXX AND XXXX WHICH MAKES MY DEBT RATIO 58 % AND HIGHER!! AND ALSO THE AMOUNT IS INCORRECT ON ALL THREE BUREAUS. THE AMOUNT I OWE IS ALSO INCORRECT ON ALL THREE BUREAUS. I HAVE BEEN TRYING TO CLOSE ON A HOUSE FOR A WHILE, BUT WAS DELAYED BECAUSE OF XXXX XXXX  HEALTH ISSUES. NOW, I 'VE BEEN DEALING WITH XXXX AND XXXX XXXX FOR OVER A YEAR, AND XXXX IS VERY RUDE DISRESPECTFUL ON THE AVERAGE. AND WILL NOT COOPERATE. NEITHER ONE HAS CORRECTED THE PROBLEM OR NOT RETURNING A DOZEN PHONE CALLS. THIS COMPANY HAS CAUSED MY INTEREST RATE TO INCREASE FOR THE PROPERTY BECAUSE OF THEIR NEGLECT. THIS ONGOING ISSUE HAS SEVERELY AGGRAVATED MY ILLNESS, AND CONTINUES TO ON A DAILY BASIS. XXXX WHO WORKS WITH XXXX XXXX { LAWYER } FOR US AUTO SALES IN XXXX GA. I AM XXXX US XXXX AND XXXX VET. HAVING XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14 MONTHS AGO.. THEY ARE SERIOUSLY AGGRAVATING THIS HEALTH ISSUE. YOUR HELP IS GREATLY APPRECIATED. I AM SEEKING RESTITUTION.. <P/>RESPECTFULLY,.

Company response to consumer: Closed with explanation