vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
After scheduled payments were terminated by the Fifth Third Bank, they failed to contact me or alert me that my account was delinquent and accumulating late payment charges!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XX/XX/2018, Federal Judge for the XXXX  District of South Florida XXXX XXXX. XXXX reopened the Bankruptcy case no. XXXX. The order was furnished to Select Portfolio via email to XXXX on the same day. We also spoke with servicer 's representative to confirmed receipt of Judge order and to discuss the sale date for XX/XX/2018. 

Because the Bankruptcy case was reopened the foreclosure action including the sale date must be canceled and the action must be placed on " inactive status ''. Select portfolio stated that they were aware of the case reopened because they have a system called PACER. 

Although the servicer had knowledge to the bankruptcy stay order they failed to cancelled sale date for XX/XX/2018 and place the foreclosure case in inactive status. The servicer 's action is a violation of Bankruptcy code 11U.S. Code 362 -Automatic Stay. 

The servicer has disregard for Federal Rules and also has engaged in Unfair business Practices. Cuurently we are being reviewed for a loan modification. The servicer continues to request documents over and over again just to get closer to the sale date. SPS continues to be deceiving in connection with the loan modification review. When we satisfy all loan documents requirements, SPS would communicate that no other information is needed and that underwriting will have a determination within 30 days. Instead of making decision, SPS will request document all over again and start at new. SPS has been playing this game for a while. There only objected has been to get closer to the sale date.

At this juncture we request for sanctions. SPS has violated Bankruptcy code 11 U.S. Code 362 and continues to deceived us in connection with the loan modification request and process. Sanctions are appropriate.

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 2018-08-19 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: NY

Complaint narrative:
Accounts on Experian and XXXX  have been closed but still show as deliquent. There are inquires that should be on the reports. 
XXXX  XXXX XXXX XXXX These accounts are not suppose to show

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 2018-08-19 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: ReliaMax Holding Company
State: MD

Complaint narrative:
This is not my account. I had identity theft. Someone got this loan in my name. Was reported late. Remove from all credit bureaus.

Here 's the police report number XXXX XXXX City Police

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 2018-08-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had been foreclosed on by Wells Fargo and I had paid PMI. I had to do a short sale on my home even though I was told by Wells Fargo that I could afford the mortgage, but could not get a modification through Wells Fargo. I believe it was because they could collect the PMI. I had lost my job and had to start a small business which provided income for me to afford the mortgage, and that business continues today. I spent {$9000.00} for attorneys to fight this and it was an impossible situation since Wells Fargo would not modify the mortgage.

How can I find out if I was part of the error that is labeled a " computer glitch '' in the news about Wells Fargo?

Also, something for the CFPB to consider that PMI leads to more foreclosures since the mortgage company gets paid in full, they have no incentive to modify when they can get the insurance claim paid, rather than modify a loan.

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 2018-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
I had 2 XXXX loans in repayment through XXXX  education services. One I repaid in full the larger was being paid on and in good standing for 7 years. I went online to pay a monthly payment and it was not on their website. on XX/XX/XXXX I called XXXX only to learn that the remaining 4200.00+ had been taking over by Navient . I called them and the woman on the phone told me that I had a balance on XXXX. When I inquired about it, I was told it was also a sallie mae loan which I did forget about and was my fault. I asked to make my payment on the smaller one which was transferred to them and I would make arrangements with the larger one. She said she could not do it because it was all being sent to collections. My question to her was, " how can you send both loans to collections if the smaller loan was being paid on through XXXX  on time ''? Navient would not let me pay on either one. There has to be something illegal about this? The sallie Mae loan was on my credit report up till XX/XX/XXXX and fell off, now they are going to obtain an old laon and try to put it back on my credit report as a new loan which I have tried to set up a payment with them, which they will not let me do?! They are already in a lawsuit for this type of unfair business practices now. 
( XXXX # XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had several credit cards that were through XXXX XXXX. I had been in good standing with these cards, paying every month over the balance due and even paid off all my cards. The problem : I got married in XX/XX/XXXX and my last name changed to XXXX. It does not seem to be a coincidence to me that as soon as my name changed this company closed all credit cards that I had through their bank. I did submit an earlier claim about my student loan company ruining my credit, but that had been fixed in XXXX. I have been working hard to rebuild my credit, but now since XXXX XXXX closed 3 of my accounts, it has further harmed my credit. I don't get it-I paid on time, over the amount and then paid off my cards and they cancel me??? I truly feel that I am being discriminated against since I had a name change. Although their letter states high balances ( my student loans-which last I checked a good portion of Americans have high student loan debt ), late payments ( because my student loan company posting 8 or so different entries ). I just don't think I have been treated fairly.

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 2018-08-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
Vehicle lease was turned in, was not aware there was a lease turn in fee. No notifications sent to me. Had a XXXX $ fee when I checked my old account which was later taken off due to Honda loyalty buyer and submitted paperwork. Mine and my mothers credit dropped as she was the co signer due to a separate {$20.00} fee that i was unaware of. Tried to resolve it, paid the XXXX $ and they would not take the report off of mine or my mothers credit. Lack of communication on their part and I would never hurt my or my mothers credit score over {$20.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC bank loan {$290.00} per month. On Friday XX/XX/2018 I spoke with rep from PNC collection dept.XXXX and made a payment of {$500.00} this left {$270.00} owed for XX/XX/XXXX. I explained to the rep I would try to come up with the money over the weekend but new I would pay that amount on Friday ( meaning XX/XX/2018 ) As I left for work on Thursday XX/XX/XXXX, XXXX pm I was met in my driveway by repo truck and my car was towed away.The earliest I could speak with a PNC rep was XXXX XXXX  Friday XXXX. XXXX at PNC received my call and explained I would have to go to local branch and pay cash {$270.00} del. amount owed and a Repo fee of {$400.00}. XXXX was unable to explain the reason the car was repo when 1 month behind so he forwarded my call to a call review line XXXX for XXXX to pull a recording of my conversation with the PNC rep on XX/XX/XXXX. A message was left and I was told I could check back within the hour to see if he had reviewed recording. If arrangements were made my car would be returned to me and fees reimbursed. I called several times thru out day with no answers and no call back from XXXX. After getting a ride to nearest PNC branch 45 min away I pay the {$270.00} + {$400.00} cash to PNC XXXX XXXX XXXX NC and wait for a XXXX XXXX to call PNC Collection # to confirm payment and fax copy of rec.to XXXX. Rec sent XXXX explained 30 min. wait and I could call XXXX XXXX to get car released for pick up at repo lot. I wait then call to have a rude lady state I would now have to pay the current bill {$290.00} due XX/XX/XXXX late after XX/XX/XXXX. I go back to PNC Bank explain to XXXX XXXX what has taken place and now the system is down so he and I both wait to get thru 45 min. later I am told once again I can wait 1 hour to call XXXX to have car released. It is now XXXX Friday XX/XX/XXXX. and I am given Vin # and contact information of where the vehicle is. The storage charge is {$450.00} due at appointment earliest available Monday XX/XX/XXXX at XXXX 2 hours away. No one at PNC can explain why my vehicle was reposed less than a month late and no one has returned my call about reviewing my call on XX/XX/XXXX. Still no car.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19 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: MD

Complaint narrative:
I've been sending letters to Experian about items that are listed on my credit report that aren't mine. Dating back to XX/XX/2018, I've reached out to Experian 8 times ( once every 30 days ) just to get a generated response that doesn't address my complaints. Experian keeps telling me that the creditors verified the account, how is that possible if I can't even get in contact with the original creditor?

XXXX   and XXXX  couldn't get in contact with the creditors either, which is why they removed the invalid accounts from my report.

I have copies of every letter and the certified tracking numbers that are associated.

Hopefully, I can fully resolve this matter once and for all.

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 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Accounts on XXXX  and Transunion have been closed but still show as deliquent. There are inquires that should be on the reports.

XXXX XXXX XXXX XXXX  These accounts are not suppose to show

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 2018-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Accounts on XXXX  and XXXX have been closed but still show as deliquent. There are inquires that should be on the reports. XXXX XXXX XXXX XXXX These accounts are not suppose to show

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/XXXX, I arrived at my residence letter from my bankruptcy lawyers indicating the action that the popular bank against me is taking in the bankruptcy court informing me that they want to charge {$150.00} for lawyer services for indicating changes in the mortgage payment. For my state of bankruptcy submitted and in defense my lawyers inform me the situation and I do not agree with this action of the bank because for all the years that I carry my mortgage nonca I was charged for such information for such reason I raise this complaint towards the banking entity

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit bureau refused to provide me their Method Of Verification listed for accounts listed on my credit report. According to the FCRA 611 ( a ) ( 6 ) ( iii ) which states " if requested by a consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available ''. FCRA ( a ) ( 7 ), which is used for such a request, states : '' A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. On or about XX/XX/2018, and again on or about XX/XX/2018. I requested the Method of Verification via return receipt certified mail. Transunion refused to provide me with their Method of Verification.

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 2018-08-19 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: OH

Complaint narrative:
Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments. The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.

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 2018-08-19 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: OH

Complaint narrative:
Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments.

The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 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: OH

Complaint narrative:
Our home was located in a natural disaster area for hurricane irma in XX/XX/XXXX. We filed for hurricane deferment and was approved for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX we sold the property.

We are attempting to purchase a new home and was told we are now showing 90days late for the time periods XX/XX/XXXX-XX/XX/XXXX. We contacted the Previous mortgage company and they insist they never submitted us being late and listed us as under deferment and ontime for payments.

The credit agencies were contacted multiple times and they insist they are correct. We are going to be homeless in 15days due to the credit agencies not investigating correctly even thou they have copies of our payments being complete and ontime.

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 2018-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I was XXXX XXXX and newly divorced I had to close my business down due to so many financial set backs and having XXXX young children I ended up getting evicted and was homeless for almost a year.I had no permanent address for anyone to contact me and that left me with no ability to contact the debtor and work anything out before it got to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I had a XXXX and had a balance of {$2900.00}. They lowered the credit limit to {$2700.00} and charged over-the-limit fees on top of the other fees causing the monthly payment amount to skyrocket to nearly {$300.00} a month, making the monthly payment no long affordable. I am uncercertain who to contact at XXXX for payment. Please help me reach out to XXXX to make payment.

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 2018-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I have XXXX XXXX XXXX card through XXXX XXXX. I took advantage of a no fee, no interest balance transfer, However, they are now charging me a " minimum interest charge '' of {$2.00} per month. When I inquired about the charge, they claimed it was a finance charge and not interest. However, there is nowhere on the bill that refers to a finance charge. Then they claimed the charge was for additional purchases on the card. When I pointed out that I paid any additional purchases before the due date, and even made an additional payment of {$500.00} over the amount if new purchases, they changed there story to say is again a finance charge. 

I know this is a small amount of money, but if they are charging this to every customer who took advantage of this " free '' offer, they stand to make a huge profit.

Company response to consumer: Closed with monetary relief