vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
I have employed the service of a foreclosure defense attorney who has been helping me navigate the short sale process. My attorney has maintained constant contact with my lender, Fay Servicing. However, the lender failed to notify my attorney or her staff that the lender scheduled a sale date for my property. During the short sale process, my attorney was assigned to a single point of contact XXXX XXXX, who failed to make a good faith effort to disclose all pertinent information related to my account or account status my attorney contacted Fay Servicing beginning on XX/XX/18 to the current date. On multiple occasions my attorney called XXXX XXXX, my single point of contact and asked if there were any new notes added to my short sale file or my account. On multiple occasions, my attorney asked Fay Servicing if there were any changes to my account status and XXXX XXXX failed to disclose that the lender scheduled a foreclosure sale date on my property while simultaneously falsely communicating with my attorney that there were earnestly reviewing my account for a short sale. It amounts to dual tracking and is illegal. A lender assumes the role and responsibility to disclose ALL information related to the status of a borrower 's account. They failed to disclose information to my attorney who contacted my lender on a weekly a basis. My attorney asked XXXX XXXX on XX/XX/2018, XX/XX/2018 and XX/XX/2018. XXXX XXXX lied to my attorney and said that there was no foreclosure sale date on my property. On, XX/XX/2018, my attorney spoke to XXXX XXXX 's manager, XXXX XXXX and he said that he didn't know why XXXX XXXX would have lied or provided false information about my account status. After pressing XXXX XXXX for a full and truthful disclosure, did he admit that the lender scheduled a sale date for my property on XX/XX/2018. Fay Servicing engaged in inequitable and fraudulent conduct when servicing my loan. As a fiduciary, Fay Servicing failed in it's implied duty of good faith. Furthermore, Fay Servicing stands to benefit from misrepresentations that XXXX XXXX and XXXX XXXX made to me. Fay Servicing is liable for constructive fraud. The lender has a duty to disclose all information related to servicing my loan and repeatedly failed to do so. I employed a foreclosure defense attorney to communicate directly with Fay Servicing. Fay Servicing is by far the most mendacious lender with unscrupulous lending practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXXXXXX XXXX calls my phone multiple times a day. Calls from different numbers multiple times a day in attempt to collect debt. leaves messages, but continues to call after messages have been left. Leaves intimidating messages. Calls from private or blocked numbers. does not state where they are calling from in messages left. Calls my mother repeatedly, and they already have my address and phone number to locate me. They disclosed to my mother my debt with the company and i have NEVER given them permission to contact her, nor is she a co-signer on the card or affiliated with the account in any way. Planning to pay what i can tomorrow when i get paid, but do not appreciate the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
The Company XXXX XXXX XXXX called my cell phone and harassed me at work and claim to have sent me a letter via mail. First they said I had a debt of XXXX  with the irs from XXXX/XXXX, which was filed and accounted at the time. Second, the claimed debt is over 5 years old and the company could not validate the debt. The staff presented this to manager who was informed that they were sent a letter to cease and desist all phone calls and would only be permitted letters at this time. 

The debt has still not been validated and the company is being asked at this time to provide written proof of debt which it has failed to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX I experienced a temporary financial hardship when a family member ( my mother ) passed away. Because there was a dependent family member living in her home, I had to maintain the home ( using money from my own funds ) to keep her home going. In addition to the death of the family member, Hurricane Harvey hit in XX/XX/XXXX which temporarily prevented me from selling my mother 's home ; the home was sold in XX/XX/XXXX. My attorney allowed estate funds to be released in XX/XX/XXXX. Maintaining two households caused a financial hardship. I communicated this to Bank of America immediately. I contacted a CSR in the XXXX, FL office and she assured me that once the loan became current ( once I got caught up on my payments ) the negative delinquent payment history would be removed. I sent documentation ( obituary, list of estate expenses, my bank statements, real estate listing agreement, copy of proceeds check ) to Customer Service routinely to keep them abreast of the situation. In XX/XX/XXXX I made a lump sum payment of {$14000.00} to become current on my mortgage loan. I have contacted Bank of America over and over again, and they refuse to correct the delinquent payment history. It has gotten to the point where I had to hire an attorney because Bank of America is giving me the run-around. Every time I send a document they write to me asking me for the same information in another format. The negative credit history, which occurred at no fault of my own, is harming me ... preventing me from obtaining a higher-paying job. It is despicable that someone in a financial institution would tell me that something could be done and then later, after the organization gets their money, they tell me it can not be done. This seems like fraud. Prior to and immediately after the hardship my payments were made in a timely manner.

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 2018-11-01 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: IL

Complaint narrative:
I was notified that this debt existed with Convergent through me accessing my credit file to discover there was a collection item in the amount of {$340.00}. I contacted XXXX to discover that there was a final bill from a previous address that did not get paid however when we looked further into why I wasn't notified, we discovered this was under an incorrect address as it combined both my previous address and new address as well as my maiden name. XXXX and Convergent both assured me that if I paid the debt it would be removed from my credit file. I immediately paid the debt in full only to have the debt not removed but updated on my file to a new date which actually hurt my credit score even more. I have called Convergent several times to no avail as well as XXXX who only refers me back to Convergent as they are the ones that reported the negative item on my credit 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 2018-11-01 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: CO

Complaint narrative:
EXPERIAN IS NOT REPORTING MY CURRENT CREDIT RATING AND I AM UNABLE TO GET THE MONEY I NEED FOR MEDICAL TREATMENT THAT MEDICARE DOESNT COVER BECAUSE OF IT ... AND IT IS REPORTING MISINFORMATION WITH REGARD TO MY HUSBANDS CREDIT SCORE, TOO!! I NEED HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: AL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX, Transunion, and XXXX To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX   XXXX  Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, 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 2018-11-01 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: AL

Complaint narrative:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX, XXXX, and Experian To Whom it may concern : I am writing to dispute the following information in my file : <Item 1 : XXXX XXXX XXXX Acct # XXXX <Item 2 : XXXX   XXXX  Acct # XXXX I am requesting that these items be deleted/removed from my credit reports according to the FCRA section 609 at your earliest convenience. 

Sincerely, 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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/2018 Portfolio Recovery received a request for validation in regards to an erroneous marker on my credit report. After 3o days of not hearing a response, I then sent a non-response letter to Portfolio Recovery which was received by said company on XX/XX/2018. This letter let them know that 1. I sent a Validation request per my right and that they have not responded and 2. Being that they have not provided proper validation they are now in violation of FCPDA and giving them an extra 15 days which of course they didn't comply. 

Please see attached for 1. Validation letter 2. Letter sent after nonresponse of Validation Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/18, I contacted Navy Federal Credit Union and spoke to XXXX, Consumer Loan department. I inquired about my personal loan and why I was being charged {$29.00} fee assess since XX/XX/2018, which I wasn't aware of. XXXX was not able to assist me and he talked hastily and was discourteous. I was very dissatisfied with his service, and told him that I wanted to speak to his supervisor and was going to write a complaint against him. He said, that's okay, go and make a complaint on me, and you should wait 3-5 minutes to talk to my supervisor. I then spoke to XXXX, Supervisor, Consumer Loan about why I was being charged {$29.00} which I was not aware of and there were times that I would contact Navy Federal Credit Union to inform them of my payments due to direct deposits received from my pensions since I am a XXXX veteran, retiree and on a fixed income. I also asked whether Navy Federal credit union has a grace period less than 10 day. She informed me that there are no grace period on loans which I was not aware of. She apologized that I was not informed about that. She informed me that XXXX XXXX XXXX does not guarantee grace period on loans. I was charged the following : XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adj, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18 ; increased balance adjustment, XX/XX/18, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adjustment, {$29.00}. I informed XXXX that Navy Federal Credit Union has been overcharging me and I didn't received any notice of such fees. In addition, I inquired about my credit card loan, which was paid on XX/XX/18 in the amount of {$360.00}, and she informed me that she didn't see any payment come through and ask how I paid it. I informed her that I walked into the bank and made a payment on XX/XX/18. She misled me in notifying that my credit card payment was not paid for the month of XXXX. I was not satisfied with her information. My husband and I are both senior citizens and XXXX veteran, retirees, and on fixed incomes. We've been with Navy Federal Credit Union for approximately five ( 5 ) years, and sometimes receive lousy customer service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CNG HOLDINGS INC
State: MD

Complaint narrative:
On XX/XX/2018 my lawyer sent a complain to XXXX regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. XXXX  then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from XXXX stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Insight Management Partners, LLC
State: KS

Complaint narrative:
In addition to calling the # I gave, which is my cell, they also called me at work today and took a long time to finally tell me who they were. This was for my husband 's debt, who is currently at a stage XXXX XXXX XXXX and can not work. I told him why he nor I can pay the debt is due to XXXX and he was completely rude and said that he is marking it as refusal to pay. He also made a reference that they can take legal action. 

the name of this Debt Collector - Insight Management XXXX The name of the rude agent - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: NY

Complaint narrative:
I AM A VICTIM OF IDENTITY 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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This company has called my father-in-law and us repeatedly stating that we owe a debt from an overdrawn Bank of America account ( which we never had ). They leave threatening messages and were extremely abusive to us when we called them. 

They also offered up my personal information without knowing who I even was, such as the last 4 of my social, my date of birth and my home address. They would have willingly given this to anyone who said they were me, which has to be in some violation of privacy laws at the very least. 

I am fairly sure this company is a scam and is trying to dupe people into paying their outlandish claims by embarrassing them with repeated calls to family.

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 2018-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am writing to dispute the following information in my file. 

Enclosed are copies of previous disputes and other documentation supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Submitted all required documentation to Equifax in order to place a freeze on my minor children 's credit files pursuant to the Economic Growth, Regulatory Relief and Consumer Protection Act, on XX/XX/2018, the documents submitted included : 1 A copy of the minor partys birth certificate showing proof of parentage 2 - A copy of the minor partys social security card which provides sufficient proof of identification 3 A copy of my valid Drivers License which provides sufficient proof of identification 4 A copy of a valid utility bill verifying residence address. 
5 Completed Equifax Minor Freeze Request Form I contacted equifax and they verbally explained that the files were frozen ; however I never received written confirmation with their identification pin numbers. I have spoken with them numerous times only to be disconnected and even told that they arent allowed to place freezes on files for minor children

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My complaint is against XXXX XXXX. I have been provided repeated false information regarding the terms of my loan. I have attempted to hold their supervisors and customer services representatives accountable to stand by the information they are providing me as being factual and on four separate occasions I have been told conflicting and false information. I have perused the matter with the the XXXX XXXX ombudsmen to only be offered an apology. I have contacted the Department of Education and have a case pending. I need to take legal action to hold them accountable to the information they provide me as it involves years of repayment terms and tens of thousands of dollars. I have a paper trail, employee ID 's and records of all conversation in which I was given false information, and told I would receive documentation on company letter head describing the facts they were providing me. It never happened. It is completely unacceptable and I need to hold them accountable to the information I was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01 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: HI

Complaint narrative:
XXXX XXXX, Equifax, and XXXX credit reporting bureaus have utilized erroneous information from XXXX XXXX  XXXX. XXXX XXXX ( XXXX ) to lower my credit rating from Good to Poor over the past 30 days. 

XXXX inaccurately provided information to the credit reporting bureaus regarding alleged late payments for the months of XX/XX/XXXX and XX/XX/XXXX. The loan mortgage did not close until XX/XX/XXXX, XXXX notified me that their online system was not operating at this point to allow me to make payments. XXXX also indicated the delay would not effect me as a consumer and I would receive written notification from the company when the system was operating. I received correspondence from XXXX in XX/XX/XXXX indicating the system was functioning. Once again, XXXX indicated in its correspondence that consumers would be affected by the delayed operation. 

The first payment was submitted onXX/XX/XXXX in keeping with the XXXX system operation. I contacted XXXX in XX/XX/XXXX regarding a County tax exemption reducing my property taxes for the fiscal year. The XXXX representative alleged I was behind in my mortgage payments, and was unwilling to listen to the above information. 

XXXX, then, filed the delinquent payment information with the three consumer reporting agencies. XXXX has continued to apply my timely payments to the alleged late payment schedule, which it has erroneously and fraudulently reported. 

XXXX now has changed my payment schedule date to XX/XX/XXXX without notice to me, and has charged a late payment fee of {$89.00}. The late payment fee is negligent by XXXX, and the amount is legal injury to me. 

The three credit reporting agencies have been notified of the above, and have not taken appropriate action to re-establish my credit and FICO score to the existing level prior to XXXX 's negligent and erroneous reporting. 

Equifax, XXXX, and XXXX are required to re-establish my credit report to the pre-existing level score immediately.

Company response to consumer: Closed with explanation