vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
I sent a request for information letter to PHH Mortgage Services ( Reverse XXXX ) on XX/XX/2022. The letter had attached to it a Third Party Authorization in my favor signed by the borrower. PHH signed the USPS Certifed Mail " XXXX XXXX '' for my XXXX letter showing receipt by PHH on XX/XX/2022. In numerous calls to PHH on XX/XX/2022 and XX/XX/2022, PHH representatives said to me " you are not authorized on the account, therefore we can not discuss it with you. '' They say they have no record of the third party authorization. They refuse to connect me with a supervisor -- stating that there is no supervisor available. 

On XX/XX/2022 I re-sent my letter of XX/XX/2022 with the the Borrower 's Third Party Authorization to the PHH email address at XXXX. I also tried six times over the course of 24 hours to send it again by FAX, but each time I received notice that the FAX was not received because the PHH FAX line is busy. 

My client is due to exist a period of forebearance on this FHA insured reverse mortgage on XX/XX/2022. The client was in a repayment plan before forbearance began. We want to apply for a Maine HAF Program grant to help reduce the amount due on the repayment plan. We can not do that until we can communicate with PHH about terms of the forebearance exit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: TX

Complaint narrative:
I checked my credit report and noticed inquires that I did not authorize. I reached out to the companies by phone and the issue was not resolved

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
WWW.annualcreditreport.com which the bank uses for their bureau pulls is fraudulently taking XXXX points for my score to make it where the bank can charge more interest// my score at XXXX is XXXX and the sent to the bank stating on their report their XXXX at the top of it but at the bottom of it is them and they toke XXXX points off my score so the bank could charge more interest for a loan and that is fraud. it has to show what is on XXXX and they can not refigure are change it by fair credit act. it is to show what is on your bureau when it is pulled by law and theft are evading the law to make it for the ones they pull for more interest on the loans. and that is theft of services

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 2022-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
A credit card was opened in my name that I wasnt aware of in XXXX for the amount of XXXX from capital one. Also miscellaneous credit applications was also applied for that put hard disputes on my credit report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
We have made multiple attempts with XXXX to help us contact Caliber Home Loans and we provided from our checking account the timely payments we made our mortgage. They quickly rush to a decision in 2 days saying its accurate and it will stay as late. 

This is impossible when the customer is providing proof- they dont even investigate. 

This is the recent # XXXX This is for both my husband and my mortgage account for the late reported payments of XX/XX/2021, XX/XX/2021, this should be corrected as timely on all 3 credit reports immediately.. 

XXXX XXXX / XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CL Holdings LLC
State: NC

Complaint narrative:
This collection account is reporting as OPEN.

. According to the FCRA, I have the right to an accurate credit report. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company isnt the original creditor. Im no longer liable for this debt, being that the original creditor already sold my debt to you. Meaning youve been paid for my debt and Im no longer liable for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I did not use this credit card but the company of this card charged the amount to me and my credit score is low now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I filed a complaint against Equifax number XXXX, because they refused to provide me with my consumer report and file. Equifax closed my complaint and responded with a stall tactic, once again refusing to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I have had a charged off account from XXXX XXXX XXXX that has been on my credit report as a charge off since XX/XX/XXXX The account was opened on XX/XX/XXXX for an amount borrowed of {$320.00} dollars. 
From the original charge off date up until XX/XX/XXXX the amount was reported as {$320.00} dollars On XX/XX/XXXX my credit report reflected XXXX XXXX had suddenly increased the amount charged off and my credit report worded it as the following : " Balance Increased by {$2600.00} '' I disputed this with XXXX  on XX/XX/XXXX and on XX/XX/XXXX my credit report reflected a decrease in balance in the amt of {$2600.00} However, on XX/XX/XXXX my credit report indicated the had again added this {$2600.00} amount back on. 
I have disputed it with Transunion, I have involved the XXXX. At this point, Transunion said I should file a complaint here The contact information for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
In XXXX when i was still married we applied for a second mortgage to help pay for home repairs that happened during a flood, in XXXX I divorced, specialized loan servicing offered a modification to help lower payments. I was assured it was the same 313 month loan terms, but on XXXX of XXXX a balloon in the amount of XXXX became due. I was unaware of this balloon payment. So I tried to do a modification with them which they refused twice saying I dont meet the delinquency criteria, all they offered was a short sale. I am not in position to do that, I live in the house with my children which one of them is profoundly XXXX. They continue to threaten foreclosure on me. I am working with mortgage assistance program in my area and they will not work with them either. Also when they sent the papers that I signed for the modification it doesnt show the notary signatures that I signed in front of. On the verification of mortgage it states 313 months which should of been till XXXX. They took advantage of me with that offer back in XXXX as I thought I would be saving money. This second mortgage I am talking about was discharged in a XXXX bankruptcy and I continued to pay it so I can stay in the house. They are now calling and asking for the balloon payment and threatened foreclosure on several occasions. I can not come up with the XXXX they are asking for now. I have no where to go, I need my home for my 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 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Requested PMI cancellation on XX/XX/22 via phone call. Was told Flagstar bank would respond within 10 days. On day 14 ; XX/XX/22, I called again for the status and was told it was in process and the wait time was actually 14 days not 10. I called again on day 28 ; XX/XX/22 and was told the company changed the wait time to 30 business days. Business days not calendar days. I was never notified of this change. Seems unfair that I am following the rules and the company is just changing them as they want. They are stalling and costing me money. They are changing the terms of our loan agreement without notification and without consent.

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Shared my information with out my consent

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 2022-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
i send to you a lot information about the Court and from pdf

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 2022-05-13 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: FL

Complaint narrative:
I submitted a FTC dispute letter and proof of identity to XXXX XXXX and Transunion on XX/XX/2022, they received this information on XX/XX/2022 and I have yet to be informed about the status of the accounts in question. According to the FCRA these fraudulent accounts should have been removed from my credit report within 4 business days and I actually allowed them 5. The accounts are as follows XXXX XXXX {$0.00} Balance, XXXX XXXX {$0.00}, DEPT OF EDXXXX {$4500.00}, DEPT/ED XXXX {$8100.00} XXXX DEPT/ED XXXX {$2900.00} XXXX Included below is my FTC Report, Dispute letter to each bureau and the method I sent it, over night for transunion and XXXX and via fax for XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13 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: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, I submitted a CFPB complaint ( XXXX ) for Medical Data Systems , Inc . This collection agency is reporting collection accounts that I do NOT owe. On XX/XX/2022, the company responded with the following : " XX/XX/2022 Complaint XXXXase No. XXXX Consumer Name : XXXX XXXX XXXX XXXX : NAME : Medical Revenue Service ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX PHONE NO. : ( XXXX ) XXXX Dear XXXX XXXX : Thank you for taking the time to communicate this matter to us. We pride ourselves in maintaining the highest quality standards for each of our clients as well as consumers. We take these complaints very seriously. It is our policy that all complaints undergo a thorough investigation ; and the results of this investigation are as follows : Account number : XXXX & XXXX XXXX has submitted a deletion request to the credit bureau on the above-mentioned accounts due to incorrect address at placement in collections. Account number XXXX XXXX no longer services this account. You will need to contact the original creditor to dispute the validity of the above-mentioned account. No other contact has been made on this account. Attached are the itemized bills, consents, deletion letter, cancellation letter and balance letter for your records. If you have any further questions, please do not hesitate to call XXXX to speak to a representative. Sincerely, Support Manager This communication is with a debt collector. '' I have contacted XXXX several times via mail to dispute the inaccurate collection accounts reporting on my credit reports. 1 out of the 3 of the collection accounts were removed. However, there are 2 collection accounts that need to be removed immediately. I had veteran 's health insurance at the time of my medical visit and should have never been billed. These errors are extremely injurious to my financial character and have caused me to be denied for funding on a mortgage because of open collection accounts. These accounts should be removed urgently or I will be forced to file suit for negligence and damage to my creditworthiness, amongst other things.

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 2022-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: IN

Complaint narrative:
My current loan has a payment plan of {$190.00}. I contact Sallie Mae to reduce my monthly payments because my husband was in a XXXX XXXX XXXX XXXX  and we are trying to get our finances back on track after his recovery. I have explained my situation to Sallie Mae and they would not assist me in reducing my monthly payment because they feel that my current checking account and savings account is sufficient enough to continue with my current repayment plan. The customer service representative I spoke to said, " You can borrow money from a family member or even get a loan because you don't have a restitution plan in place and I'm not confident you will make your monthly payments if we lower them. '' Then proceeded to tell me that I was approved to have my loan reduced to {$150.00} per month, but said that because I don't have a restitution plan she was not able to help me and that my current payment plan is manageable enough and I could use the money in my savings account. Sallie Mae 's customer service is rude, demeaning, and unsatisfactory.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
On XXXX the CFPB issued a publication entitled " Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic '', reference : https : //www.consumerfinance.gov/XXXX The report explains the Bureaus approach to Compliance Aids and, among other things, states the following : " QUESTION 4 : Can a furnisher comply with the requirements of the CARES Act relating to reporting of accommodations simply by using a special comment code to report a natural or declared disaster or forbearance? 

ANSWER ( UPDATED XX/XX/XXXX ) : As discussed in FAQ # 2 above, the CARES Act requires a furnisher to report a credit obligation or account as current if it was current prior to the accommodation or not to advance the level of delinquency if it was delinquent prior to the accommodation. Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act-required information and therefore furnishing such a comment code is not a substitute for complying with these requirements.

After the modification approval with Shellpoint, three monthly trial payments of {$1400.00} were executed via autopay, starting on XX/XX/XXXX. Such payments were made on time and continued regularly on a monthly basis until the modification is finalized. The account deserves credit protection and being reported as current, given that the CFPB instructed so, and Shellpoint took all monthly payments right after coming out of the authorized forbearance period. 

Newrez/Shellpoint is in violation of such guidelines. And the CFPB needs to secure compliance, or refer me to the Federal organization that does. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MD

Complaint narrative:
Hello I have been contacting XXXX and also the creditors in regards to this matter. My identity was stolen, I am now working with XXXX identity works checking my credit report and I see something that isn't mine. I reached out to the creditors they agree that the account isn't mines and that it should be removed but they keep updating on my report. I am requesting that this account be removed from my report I have submitted documents to the company More than once to no avail also a c'est to disist letter.

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 2022-05-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2. States a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: GA

Complaint narrative:
I originally opened an account with XXXX, a XXXX credit card. Charges made on the card was not all my charges and XXXX was aware of that. The account charged off and let XXXX collection team the account had a {$0.00} balance and the account was sold to another creditor. If this account was charged off and sold this account shouldnt be reporting on my credit report at all and if its going to report it should show completely charged off with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One Spark card .... The company, Capital One, sends out literature that claims there is no " preset '' spending limit on this card. I own a group of newspapers in and have a printing bill I pay every month that runs between {$4000.00} and {$5500.00}. I applied for ( and received ) this card with the sole purpose of using it to pay this bill to take advantage of the card 's cash back benefits. 
When I use the card with my printing vendor -- the first attempted transaction on my card -- the card was declined, embarrassing me with the vendor, as well as making it not possible to use the card as I intended and was led to believe I could by Capital one. 
When I query this with Capital One, I'm told that " preset '' does no mean unlimited purchasing power and that in the fine print of their promotional material, it explains that the card will adjust with your spending habits. 
What the hell does that mean? How do I establish my spending habit when the card is declined? 
Capital One needs to be told to cease and desist with this promotion as it is being presented because it is blatant BAIT AND SWITCH to use the language " no predetermined '' spending limits, when in fact there are spending limitationsd based on the consumers " purchasing habits ''.

Company response to consumer: Closed with explanation