vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
It is with great regret that I must continue to complaint to you regarding the treatment I have received from XXXX and SPS servicing. Inc. 
I have submitted various loan modification packages to no success. I must explained that I have experienced a financial hardship for about five years ; as a result I defaulted on the mortgage for my primary residence. This was also due to the incompetency of XXXX XXXX XXXX and SPS servicing. I was also financially injured as a result of their incompetency and miss interpretation. They have ignore my packages and request for a resolution. They have provoke for me to incurred this debt. I had to file bankruptcy. I still presently occupied this property with my family. I fell apart with the economy including loosing rental income from my XXXX XXXX business. I have had quite a journey. 
I am now recovering and trying in the worse way to come to a resolution with SPS servicing. I am XXXX   XXXX  as a XXXX. I am fighting this economy and succeeding. SPS Servicing has claim that the Private investor on this account had recommended a payment plan that is ridiculous. It actually injures me more. They are not willing to a decent resolution. Please review my financials for I need to keep my home. 'This is affecting my family. 
I have gone as far as doing a forensic review through XXXX XXXX  XXXX XXXX. 
I have attached the report for your review.. It is my understanding that No mortgage assignment was recorded indicating the mortgage lien was ever assigned to XXXX XXXX. On 2009, XXXX XXXX filed a lis pendens and foreclosure lawsuit against me. XXXX XXXX. 
The lis Penden and foreclosure complaint indicates the mortgage assignment had not been recorded with XXXX county Clerk prior to commencement of ligation .XXXX XXXX, XXXX XXXX XXXX di not endorse the note. THERE ARE NO MORTGAGE ASSIGNMENTS RECORDED FROM THEM. 
I also understand that SpS Servicing can not foreclosed with out recorded assignments. I am in the process of trying to find a competent attorney to handle this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I agreed to a hardship payment plan to resolve my debt to Best Buy/ Citibank . I agreed to pay $ XXXX/mo. until the debt was paid in full. I was under the mistaken assumption that I would continue to set up each payment online by the XXXX of each month following so I set up the first payment online to be withdrawn on XX/XX/XXXX. I was not aware that the payments would be set up automatically by Citibank/Best Buy. When I went online to check on my account I discovered that 2 payments of {$200.00} each would be withdrawn on the XXXX. When I tried to delete the payment I had set up the site told me I could not do that online and must call XXXX and speak to an agent. 
I called Citibank on XX/XX/XXXX at XXXX XXXX  and was told that one of  the payments would be deleted. However, on XX/XX/XXXX both payments were withdrawn from my bank account. I am currently undergoing financial hardship and this withdrawal sent my finances into a tailspin. 
I then called Citibank again and informed the agent of the extreme hardship this double withdrawal placed on my finances. I was told that 1 payment would be refunded in 3 business days. It is now 10 days later and still no refund to my bank account. 
I called today ( XX/XX/XXXX ) at XXXX XXXX  and informed the agent that I don't even have money to live on until the first of next month. I have been told once again that I will be refunded {$200.00} in 3 business days and if I did not see it in my account by Friday XX/XX/XXXX I should call them again ( HA! ). I asked why I have not received the refund by when I was told she responded that it may have been denied. If so, no one informed me of such action. 
I am filing this complaint now to have it on record and maybe receive some assistance in expediting my refund if it does not happen by the aforementioned date,

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 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting the second complaint to CFPB since I am not satisfied with the Bank of America responded to my complaint XXXX. I found it partial and not convincing. 

First the XXXX representative was neglected to answer for my first question : If my application is clear reject why I received a message about gather more information instead of giving the honest answer right away? I understand that XXXX has 30 days to review an application. However, my case was entirely clear right away. 

Next. In response to my first complaint, XXXX representative told that online advertising is not targeted and preapproved offer. Agree. However, it is CUSTOMIZED OFFER ; it is presented as : ( my name ) we recommend you this limited time offer! I believe - this is a misleading advertisement, that can be understood by an average person as meaningful and pre-screened personal OFFER to me ( since I being called by my name ). 
In contrast to other banks, on this offer pages do not appears bank requirements to applicant credit potential ( good credit, average credit, etc. ). Even the statement subject to credit approval does not appear here. All of this causes a false illusion of pre-approved offer.

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 2019-02-18 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: OK

Complaint narrative:
I have been trying to work on my credit report every since my identity was stolen. I have some child support and auto loan that I am not responsible for. 

I've reached out to the credit bureaus but I've not been able to reach any outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: QC HOLDINGS INC
State: IN

Complaint narrative:
I have explained that we are going through a debt relief program on XX/XX/2019 and the company is trying to collect XXXX dollars. I have asked them to quit calling several times and the have the phone number to call the debt relief program. The gentleman is very rude and would not let me explain the situation.

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 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Merchants Adjustment Service, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX sold my account to merchants adjustments servants. This is a violation of Hippa laws and my medical information shouldnt have been released to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: WI

Complaint narrative:
On XX/XX/2019 Barclaycard cancelled both of my credit cards for no good reason.

I was never late in a payment or kept any high balances. I asked them several times to give me a good reason, and they can't. They keep saying I violated the terms of the agreement, but nobody can tell me which one.

The big problem I have is they are trying to take all my reward points, which I earned. I want those reward points back or redeemed for cash. They shouldn't be able to take those away from me for no good reason.

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 2019-02-18 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX is saying I was late with a payment in XX/XX/2018 when I was not, my payment was made on time and should reflect in my credit report. Something was wrong with there payment system at that time and the XXXX app was not working properly. 

I hope youre doing well today. My name is XXXX XXXX, and Ive been a satisfied customer of XXXX for years. Ive always made my payments on time, but unfortunately, something made a mistake in XXXX of 2018. 

I understand how important it is to make timely payments. However, some kind of error or mistake happened. But Im confident this wont happen again. As you can see from my credit history, I have a long record of on-time payments before and since the late payment. I have even paid off my entire balance at one time. 

As a courtesy, I respectfully request that you make a goodwill adjustment to remove the late payment on XX/XX/2018. Please consider my track record as proof that I take my financial obligations seriously. 

If you have any questions, or if you would like to speak with me in more detail, please call me at my home or send me an email at XXXX. 

Thank you for your consideration,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four XXXX XXXX XXXX accounts that are reporting incorrectly.

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 2019-02-18 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: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. The are four XXXX XXXX XXXX accounts that are reporting incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX I hold a Mortgage with Central Mortgage for my home in CA. where I reside. 
The XXXX XXXX Loan I held allowed for a {$5000.00}. deduction in the mortgage if the payment never went over 90 days. 

In XX/XX/XXXXCentral Mortgage made an error in improperly crediting my account. 
The Supervisor at the time checked the recording of the transaction and determined I was correct, and that the error was indeed on the part of Central Mortgage and the payment had been made in time. Throughout the loan period I have inquired to make sure that the error on Central Mortgages part was indeed noted and that there was nothing standing in the way for the {$5000.00}. mortgage deduction to take place. NOW in XX/XX/XXXX when I have noted the {$5000.00}. was not noted, I am being told it was because of this Central Mortgage error and that I di not qualify. I have written and made numerous calls to Central Mortgage Loss & Mitigation and their general Consumer Dept. with no resolution. PLEASE HELP! Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 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: GreenSky, LLC
State: FL

Complaint narrative:
Back in XX/XX/2018, I went to XXXX XXXX XXXX XXXX. They told me to use Green Sky for credit to sign up for the program. They contacted Green Sky ( XXXX XXXX XXXX  XXXX ) and over the phone signed me up for credit. I never saw the original contract I was signing nor did anyone tell me at the time that they were going to charge me more interest than the loan was for. As you can see from the attached, I had a credit line of {$3000.00} and they want to charge me over {$6000.00} for the loan. I think this is absurd and unfair credit practice. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX/XXXX  Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX   Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX XXXX/XXXX  XXXX XXXX  Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX Inquiry : XX/XX/2018 Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/2018 Bank ( XXXX ) XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX XXXX DOB XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I received notification of a medical bill being owed from XXXX XXXX XXXX. I asked the company to verify the debt and was told they had already done so. I explained I had relocated a few times so please forward me the information. My spouse was in the car when a representative contacted me and the call was on speaker through the car. She informed him the debt had to do with a XXXX test and XXXX   check. This caused an argument between the two of us in which I had to disclose XXXX I had suffered and that is why I went to XXXX. I did reach out to the collection agency and informed them the bill amount was incorrect because I never took a XXXX test. Sh stated it is standard for hospitals to give one. I informed her I am XXXX XXXX XXXX XXXX since XX/XX/XXXX therefore the doctor would not have done so. I asked if she could contact XXXX and get the amount of the XXXX test removed because XXXX will not speak with me due to the debt being purchased by California Business Bureau. I even stated I a willing to pay the entire amount due if they can remove it from my credit reports because of it being an inaccurate amount. Both the representative and the Supervisor stated no because a complaint from my representative was made against the company by a Mr. XXXX. I was informed if this is not pain they will report it each month on my credit as a new debt and begin legal action. I understand it is the collection company 's right to collect what is owed but it appears as if I am being punished due to a complaint lobbied against them in reference to me by my realtor. 
I have spoken with this company between XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: AL

Complaint narrative:
Requested payment modification with Ford Credit on XX/XX/XXXX. Rewrite was denied XX/XX/XXXX and as of today I have been lied to be each Ford Credit Call rep at XXXX. I was told 7 to 14 days to receive my letter of declination. As of XX/XX/2019 I have not received any notification as to the declination. Also, I was solicited to defer my monthly payments which I did for the month of XXXX and XXXX and was told it would not report to the credit reporting agencies. Another Lie. My payment due date is the XXXX of the month and today, the bureaus reported a 2 month deferred payment. I just got off the phone the XXXX from XXXX XXXX, she stated they reported every month on the next day after payment due date. XXXX stated they reported to the bureaus on XX/XX/XXXX. Thats a Sunday. Lies, Lies and more Lies. She stated they do not report, however why as of today XX/XX/2019 with a payment date of the XXXX having one business day with a 10 day grace period, why would the bureaus be showing a 2 month deferred payment unless Ford reported it. Ford Credit is the New XXXX XXXX. Fraudulent and out right lies from Representatives. I also requested recording of my calls and was denied. I requested transcripts of those calls and was denied. However, XXXX said she would look at the calls as a coaching opportunity. After speaking with 6 to 10 reps and they all stated the same information on different dates and different calls. They are all Liars.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has continuously muddied the water on interest rates as well as repayment options and the interest is sky high making it impossible to stay on track and actually pay back my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
I received a loan from One Main Financial 's XXXX, MD office back in XX/XX/XXXX. I made one payment, then in XX/XX/XXXX, I was offered an additional amount to be added to my loan, so I accepted. At the time, I was unaware that my initial loan would be " satisfied '', and a new loan would be opened under a new account, but I was not focused on that because I was thinking of the holidays and my daughter 's XXXX Birthday approaching, and what I'd be able to provide for myself and my children. I was told that furthermore, my first payment after the additional amount was added wouldn't be due until XX/XX/XXXX, so I had plenty of time to enjoy the holidays. 

Tragically, I was terminated by my employer on XX/XX/XXXX, so my life took a drastic turn for the worse. There's an insurance program attached to the loan, and I've been getting conflicting information from different employees at the One Main  XXXX office, as well as the One Main   customer service center in Texas. There are 2 different insurance companies that One Main uses, depending on what type of loan you have ( that was described to me by the customer service rep. ) One is XXXX, the other is XXXX. 

According to customer service, my account is being handled by XXXX, but when the XXXX, MD office manager mailed me the forms to complete and submit, they were for the XXXX company. I told customer service, and the rep. said she would send me the correct forms to submit, and that I had to wait until it had been one month since my termination from my employer, which I had not heard from anyone at the XXXX, MD office. The XXXX, MD office manager did suspend my account, after speaking with me about my situation, but that suspension ended on the XX/XX/XXXX, less than a month after my termination, and I started getting calls from a Mrs. XXXX at the XXXX, MD office. While speaking to her this morning on the phone, she told me that I should borrow some money to make a payment, or she fears " the lawyers '' will take over my account and the XXXX office will lose control of it. She also told me to contact the State Department, since I've been unsuccessful in reaching anyone from the unemployment office in order to submit my claim. I'm somewhat confused, disoriented, and unorganized, due to everything that's been happening all of a sudden.

Company response to consumer: Closed with explanation