vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CT

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, WA. XXXX. XXXX. Uses XXXX and XXXX to call my number XXXX twice a day in search of XXXX or XXXX XXXX with regard to a XXXX XXXX XXXX XXXX Debt or Utilities Debt. I do not know nor ever have known any person by the name of XXXX, XXXX or XXXX. My publicly listed phone number was assigned to my by XXXX about 3 years ago. Convergent refuses to verify my number and or search else ware for their debtors. The persistent and unwanted calls have continued for 2 years no matter how many complaints I file.

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 2018-07-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: IN

Complaint narrative:
I was told that I would have to pay a specific amount bi weekly, the amount was {$100.00}, but on my paydays almost {$300.00} was taken out of my account. XXXX XXXX XXXX keeps calling my job and I am not allowed to take personal calls. This could easily result in me getting fired. I have explained to them on severeal occasions that they can not continue to call my place of employment but my request have been ignored. This is illegal and has to stop immediately.

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 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ABR Recovery Services LLC.
State: CA

Complaint narrative:
ABR recovery Services continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) XXXX credit cards ever. Both were charged off in XXXX and XXXX. ABR continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although ABR Recovery services admits that I only have ( 1 ) collection account, they continue to verify with XXXX ( 2 ) collection accounts. I am asking ABR to stop reporting the account # XXXX. They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute ABR Recovery Services on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including XXXX into this complaint. Because ABR continues to say these are different accounts. The account numbers do not match up because ABR and XXXX use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from XXXX : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with XXXX, the original creditor. I NEED XXXX IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: TN

Complaint narrative:
Equifax - Shows 2 Chapter XXXX bankruptcies with 2 different status ( discharged ) dates. One is correct in that our bankruptcy was discharged XX/XX/XXXX and the other is stating the discharge of XX/XX/XXXX. 
I have called several times within the last couple of days ( XX/XX/XXXX ). They are unable to fix anything because they say a dispute can take up to 30 days. The next time I called, they said to fax and it will be verified within 48 hours and that someone will contact me. I called again, they said that it was 48 hours just to process the papers and 30 days to dispute. I then later spoke to a supervisor who told me that the Chapter XXXX bankruptcy does not show 2 different bankruptcies. I asked if they could type a letter stating this information. He told me that he was mailing credit report and I should get it between 7-10 days. I called the next day and they told me that the lender can call the business customer service and I that I had been calling the dispute center. 
I have let them know each time that this is an error on their part ( kindly ) and that if this does not get fixed soon, that my family of XXXX will be homeless because our FHA Loan will not be processed for our new home in XXXX ( we live in XXXX, my husband is working and living in XXXX   while me and the kids live in XXXX right now ). Lender called the business customer service and could not get anything resolved. He spoke to a representative about the situation and they muted him while he spoke. They were very rude. My lender uses XXXX and has shown me the recent credit report that shows Equifax reporting 2 separate Chapter XXXX bankruptcies, both with same filing date but both with 2 different status dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I called Navient to request income drive repayments or other options for my private loan due to me being in school again and having low monthly income and they offered me a 'Special Program ' loan repayment, which would be considered under forbearance for that option as they stated that was the ONLY option for me for making payments of {$250.00} per month. When that loan repayment option expired for me at 6 months, they canceled my automatic payments and then when I called them to request my options, they stated that there was a new forbearance option for me to pick with a one-time {$100.00} payment over 3-months but that I only had 5 months of forbearance. They never gave me that option at the beginning of the initial 7 months of my forbearance, yet I did my due diligence while struggling to pay {$250.00} per month for the initial 6-months of my forbearance, which they gave me as the ONLY option. When I asked why did they do this, the representative & the manager from their collections department stated that " We don't have to give you or mention any other options to you, even if you ask. We don't even have to give you any income-driven repayment options or provide you any other forbearance options in what we tell you. '' The manager then gave me an option of doing an interest-only payment option of {$350.00} per month over 6-months which would NOT be considered under forbearance as she stated, which I agreed in order to not use the remaining of my forbearance of 5 months I had left as that manager stated. When I got off the phone with that manager and went through the phone system agreement and back to the regular representative, that representative stated to me that actually those interest-only payments over those months would be considered forbearance for me, which I had already agreed to supposedly. I was extremely frustrated and felt manipulated as a consumer trying to just pay my loan responsibility. I felt Navient failed to treat me respectfully or with any understanding. They only confused me and failed to take any consideration of my financial situation, which I felt they did not care at all throughout this whole situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I submitted a complaint already XXXX. I have been trying to get my cosignor released. First they told me I didn't make 36 consecutive payments and sent me a denial. Then after I contacted them they realized they were wrong and had to resubmit the form again stating that us citizenship was not checked off. I then was told they could take it verbally and the a letter stating it had to be resubmitted again. 
I then receive a letter dated XXXX stating I meet the eligibility of cosignor release. Then on XX/XX/12 I receive another denial letter. This has been going back and forth with stating it will be then it won't be. I hope the cfpb will look at this and agree that citizens stated the cosignor should be released and process this with out any more issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PR

Complaint narrative:
Since XX/XX/XXXX, I have been trying to work out a loss mitigation option with my mortgage bank and it has been really difficult. They do not have a loss mitigation office in Puerto Rico, where I lived and always sent the documents late, through XXXX. 
As an example of this problem, I am submitting evidence of two letters. The first one is a letter of Informal Forebearance Agreement dated XX/XX/XXXXsent to me by XXXX on XX/XX/XXXX., as a consecuence of recieveing it late I was not able to act on it in a timely manner. 
The sencond letter, is a Decline letter dated XX/XX/XXXX, in which it informed me, that I had until XX/XX/XXXX, to appeal, but I received the letter via XXXX on XX/XX/XXXX. 
This has been the usual pattern of the mortgage bank, sending the documents late and not giving me enough time to act on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
XXXX has failed to properly handle our fraud dispute i have submitted 4 letters starting back in XX/XX/2018 about the identity theft.They have violated FCRA i have receipts from the post office that they signed and received my letter. Yet when i called them they notified me they never received anything. I have an account that is fraudulent reporting on my report that has caused me and my family to be unable to rent the companys name is I.Q DATA INTERNATIONAL THIS ACCOUNT IS NOT MINE. Its attached to an address in Oregon that i don't live and i haven't. I have been at my current address for 3 and half years here in texas

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Loan was TRANSFERRED BEFORE LOAN MODIFICATION BALANCE REDUCTION was DONE WITH XXXX XXXX XXXX! Have to honor per your letter value is {$470000.00} you keep saying was done wasnt WAS TRANSFERRED WHILE IN PROCESS THEN TRANSFERRED! READ!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
the mortgage company is holding on the insurance money that I need to have the repairs done on my home. Meanwhile, I living in the home that has mold, fungus and raw sewage.

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 2018-07-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
In XX/XX/2016 I requested help ( loan modification ) through the HARP program with my mortgage company, Ditech. The modification they did did not help at all. It did not lower my payment or interest rate. All they did was add 10 years to the life of the loan. Now, instead of a 30-year loan I have a 40-year loan. NOTHING else changed. In what universe is that a modification?

I just thought that was the best Id get until the monthly payment was really becoming a very serious problem. Ditech just advised me to sell the house an move on, so I hired XXXX. They did their best, but Im now told that Ditech has stood firm and that their stance is that Ive already had a loan modification and am not entitled to another.

Is there anything else that can be done? Is this action even legal under HARP?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Back in XXXX I started running into some financial trouble. After the recession hit, I tried working with XXXX XXXX to reduce the interest rate on my mortgage, which was currently 12+ %, to help reduce the payment. I had requested a reduction to half, even though at the time, the current interest rates were between 2 to 3 %. When that did not work, in XX/XX/XXXX, I tried to short sale the home, but XXXX XXXX was unwilling to work with me regarding that also. Several different departments at XXXX XXXX suggested I dont pay and fall behind a couple of months then they would be more likely to work with me to help reduce my mortgage payment. That turned out to be a total lie and after a couple months I started receiving letters threatening foreclose and advising me to vacate the home I have lived in for 17 years. In XX/XX/XXXX the company that was trying to help with the short sale contacted me and informed me that XXXX XXXX had filed a Notice of Default and had begun the foreclosure process. During that time, I had never even missed payment. Not realizing that these were lies, I moved from my home. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. At the time of the filing, my house was surrendered to XXXX XXXX. I made every payment to the Trustee on time for 4 years and my bankruptcy was discharged in good standing on XX/XX/XXXX. After waiting the necessary time to pass after a bankruptcy I recently started looking for a new home. I was surprised to find out, that XXXX XXXX did not foreclose on my home until XX/XX/XXXX, 10 months after my bankruptcy was discharged. Please keep in mind that XXXX XXXX new quite well that they had ownership of the house because they provided yard care ( both summer and winter ) the entire 5 years it sat vacant. It was also brought to my attention that 4 months after the discharge of my bankruptcy they sold the servicing of the loan to another company. I quit receiving any type of notification from XXXX XXXX shortly after I filed.

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 2018-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Back in XXXX I started running into some financial trouble. After the recession hit, I tried working with XXXX XXXX to reduce the interest rate on my mortgage, which was currently 12+ %, to help reduce the payment. I had requested a reduction to half, even though at the time, the current interest rates were between 2 to 3 %. When that did not work, in XX/XX/XXXX, I tried to short sale the home, but XXXX XXXX was unwilling to work with me regarding that also. Several different departments at XXXX XXXX suggested I dont pay and fall behind a couple of months then they would be more likely to work with me to help reduce my mortgage payment. That turned out to be a total lie and after a couple months I started receiving letters threatening foreclose and advising me to vacate the home I have lived in for 17 years. In XX/XX/XXXX the company that was trying to help with the short sale contacted me and informed me that XXXX XXXX had filed a Notice of Default and had begun the foreclosure process. During that time, I had never even missed payment. Not realizing that these were lies, I moved from my home. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. At the time of the filing, my house was surrendered to XXXX XXXX. I made every payment to the Trustee on time for 4 years and my bankruptcy was discharged in good standing on XX/XX/XXXX. After waiting the necessary time to pass after a bankruptcy I recently started looking for a new home. I was surprised to find out, that XXXX XXXX did not foreclose on my home until XX/XX/XXXX, 10 months after my bankruptcy was discharged. Please keep in mind that XXXX XXXX new quite well that they had ownership of the house because they provided yard care ( both summer and winter ) the entire 5 years it sat vacant. It was also brought to my attention that 4 months after the discharge of my bankruptcy they sold the servicing of the loan to another company. I quit receiving any type of notification from XXXX XXXX shortly after I filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-20 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: MO

Complaint narrative:
My credit report shows that I have a balance with XXXX XXXX XXXX of {$220.00} which is incorrect. This loan has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My credit report shows that I have a balance with XXXX XXXX XXXX of {$220.00} which is incorrect. This loan has been paid in full.

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 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
NCC BUSINESS IS ATTEMPTING TO COLLECT DEBT I DON'T OWN AND THEY THREATENED TO SEND POLICE TO MY HOUSE TO ARREST ME IF I DIDN'T GIVE THEM MY CARD OR BANK ACT NUMBER OVER THE PHONE. THEY ARE CALLING MY RELATIVES AND AT MY WORK NOW ... THIS IS REDICULOUS PLEASE STOP THIS ILLEGAL ACTIONS ... 
XXXX XXXX XXXX XXXXXXXX XXXX IS NOT EVEN IN THE BUSINESS ANYMORE IF I OWED THEM MONEY THEY WOULD HAVE REACHED OUT TO ME DIRECTLY BUT THIS ENTITIY DOES NOT EVEN EXIST ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
They said it was sent friends and family. That is a gift and no money will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: TN

Complaint narrative:
I had a phone call from this company XXXX XXXX XXXX from phone number XXXX. He did not state who he was with right away when I asked. He asked if this was XXXX and I said that is correct. He then told me who he was but did not tell me he was trying to collect on a debt that I am not aware about. I asked him to send this information in the mail and then he got nasty with me and told me to go XXXX myself and that he will let them know I am not willing to corporate and hung up on me. They call crazy hours like XXXX central time. This took place on XX/XX/2018 at XXXX XXXX. I then proceeded to call company back and told them I wanted to speak to a supervisor. The supervisor was rather rude and was explaining to me that they do not have to provide documentation about this debt. I asked him to send to me in US mail and he was rude about it. He also stated to me that this is my account and he does not need to send this information. I said to him that according to the Federal Reporting Act he does by law. He then hung up. I do not feel this is good practices for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX  continues to verify false information on my credit profile. They continue to dispute the accuracy of their own reporting. I have only ever had ( 2 ) HSBC credit cards ever. Both were charged off in XXXX and XXXX. XXXX continues to report that the first date of delinquency was XX/XX/XXXX on one account and XX/XX/XXXX on another account. Although XXXX XXXX services admits that I only have ( 1 ) collection account, they continue to verify with XXXX  ( 2 ) collection accounts. I am asking XXXX to stop reporting the account # XXXX   They are knowingly reporting ( 2 ) accounts falsely. I have continued to dispute XXXX XXXX XXXX on both accounts as being false as I have proof from the original creditor that these accounts were charged off in XXXX and XXXX. I am including HSBC into this complaint. Because XXXX continues to say these are different accounts. The account numbers do not match up because XXXX and HSBC use different account numbers from each other. In order to link these accounts, I need more proof that these accounts have been re-aged. 
I need from HSBC : All accounts associated with my name. I need to verify that I have only owned ( 2 ) accounts EVER. I need exact dates of 1st delinquency, charge off date, dates opened and amounts if you have them. I NEED THIS FOR ALL ACCOUNTS ASSOCIATED WITH MY NAME. Again, I need ALL accounts that I have ever owned with HSBC, the original creditor. I NEED HSBC IN WRITING TO STATE THAT THEY HAVE VERIFIED AND HAVE STATED ALL ACCOUNTS ASSOCIATED WITH MY NAME AND THAT THERE ARE NO OTHER ACCOUNTS OTHER THAN WHAT IS LISTED. 
Thank you for your cooperation.

Company response to consumer: Closed with explanation