vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 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: GA

Complaint narrative:
I have been in close communication with XXXX XXXX regarding the reporting and detailed erroneous information that has been applied to my personal credit report for XXXX XXXX, XXXX, and Experian. I have received written information from XXXX XXXX stating that they are no longer reporting ANY negative information on my personal credit report for the XXXX XXXX Credit card, XXXX Credit Card, and XXXX XXXX XXXX XXXX credit card. After receipt of this letter from XXXX XXXX, I submitted a dispute with XXXX XXXX, XXXX, and Experian to have these accounts removed from my report as the information is no longer valid. XXXX XXXX, XXXX, and Experian completed the dispute wXXXX XXXX XXXX by only UPDATING the accounts to show as CLOSED and not DELETED. This information could not have been accurately investigated by XXXX XXXX, XXXX, and Experian within this amount of time and this resolution is completely inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: IN

Complaint narrative:
XXXX XXXX, I have made multiple attempts to contact you and discuss this concern to no avail. The person identified as " XXXX '' states he is the highest managerial representative that I can speak with. He further more stated that any additional communications to reach you must be done via written letter. This is a reflection of the unprofessionalism I have spoken about previously. XXXX states that I enjoy antagonizing him and his call center representatives due to the amount of times I have called requesting to speak with you. The disrespect and indignation from XXXX or any other of the call center members will not be tolerated. You must institute a consumer friendly approach to conducting business. It is a far cry from that now. In the interim, you have my contact information on file to include my phone number. You can call me directly with out hiding behind a call center. 
In response to your CFPB statement I am very much aware that mortgages are bought and sold regularly. I have owned 5 different properties and have never been subject to the abhorrent and reprehensible treatment associated with Selene Finance much less one that has the poor reputation as Selene Finance. 
As a XXXX XXXX XXXX there is no reason I should be subject to such deplorable actions. I served and sacrificed for this country, The actions of this company will not be tolerated. There are consequences for your actions. 
Any decisions about me should include me. Consumers do not currently have a voice to avoid predatory companies like Selene Finance acquiring their mortgages. If there were qualifiers and a vetting process similar to that which is required to obtain the mortgage to begin with, I am certain companies that take advantage of consumers including Selene Finance would not be able to qualify. With 200 class action Lawsuit, a multitude of registered complaints here on the CFPB, D rated company according to BBB it is evident to see the nefarious actions and malfeasance. Short of the investment company owners lining the pockets of the politicians, it is unbelievable why a regulatory agency as not yet stepped in to stop this company from ruining people 's lives. In partnership with others affected by this company, I will make it my end goal to draw as much attention to expose the nefarious predatory methods and malfeasance from this deplorable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I contacted Navient last week about putting a temporary hold on my student loan. They got back to me today to tell me that my only option was to call in. I called them today ( XX/XX/27 ). They told me in order to get forbearance I had to make a good faith payment of XXXX dollars in order to apply for the forbearance. I told them that I did not have the money for the payment or the " good faith payment ''. They told me it was their policy and the most they could do was extend the good faith payment by 15 days. I am XXXX  and have been for 4 months ; I can't make that payment or guarantee that I will have a check by then to make their deadline. This policy is not outlined anywhere on their website and when I asked for documentation they said they would have to draft something to send it to me. They provided no previous notification of this fee. The documentation has to be mailed to me so it should arrive in 7-10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2018 I disputed with XXXX  XXXX, and XXXX on Santander Consumer USA, Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Requested Experian to remove my credit freeze and to date they have not. Created an account on their website and it shows that their is no credit freeze. Applied for a credit card but was denied because they could not access my credit file on Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Home Point Financial continues to show me as paying my mortgage late. I have tried ad nauseum to rectify this problem and as of now, it still has not. I have made all my mortgage payments on time. Not only have I have made all my mortgage payments on a timely manner, but I have overpaid my mortgage. They took one of my monthly payment and put it towards principal. Thus causing my statement to show as though I am late with my mortgage payments. I did not request that my payment be put toward principal. When I disputed this problem, Home Point sent me an email stating the problem was resolved. To date, this problem persists. Not only is this mistake on their part is causing me to seem as though I am late with my payments but you are adding fees to my account for late payment of my mortgage.

I dont know if this is a means on Home Points part to gain my house by fraudulent means, but I need this problem resolved. 

This problem continues to cause me great XXXX and XXXX of the thought of losing my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX on XXXX XXXX Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: Dealer Funding, LLC
State: FL

Complaint narrative:
On XX/XX/2018 I sent a certified validation letter to XXXX XXXX Bank as well as XXXX XXXX loan asking them to verify the account that their company is claiming to be charged off. It was verified as received through the postal service as received on XX/XX/2018. Per the fair credit reporting act and the fair Debt Collection Practices act they are required to provide written proof bearing my signature. They are reporting incorrectly and I am requesting that they fix this. Also Another letter was sent out certified asking them to validate charge off accounts on the XXXX of XXXX, 2018 and was verified as received on XX/XX/2018 as well. My next step will be taking them to court because are in direct violation of the Fair Debt Collections Act as well as the Fair Credit Reporting Act.

Company response to consumer: Untimely response
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
On XX/XX/2018, I applied for a XXXX XXXX credit card through XXXX XXXX using an on-line application. I received an automated email message confirming receipt of my application, which indicated that I would hear back within 2 weeks. 

On XX/XX/2018, after hearing nothing from XXXX XXXX or XXXX, I applied again on-line. I received the same automated email message as on XX/XX/XXXX. 

On XX/XX/2018, I stopped into a XXXX XXXX store to inquire about the status. I was told that the application was being processed. 

On XX/XX/2018, I called the phone number on the XXXX XXXX web site to inquire about the status. After being transferred four times, someone from XXXX told me that I had been sent a letter in XXXX and that I must wait for it to arrive. I noted that a letter that had been mailed in XXXX that had not arrived by XX/XX/XXXX was probably lost, but they refused to give me any additional information. 

On XX/XX/2018, I received a letter dated XX/XX/2018 that stated, in part, " Our records show that we received more than one application from you within a 30-day timeframe. Unfortunately, we do not process any additional applications received within 30 days of a previous application. At the time of your previous application, we sent you a letter notifying you of our decision. '' Having not received any response to my XXXX application, despite numerous attempts to contact them, I believe that Comenity Bank is in violation of the Fair Credit Reporting Act, which requires the lender to notify an applicant of a credit decision within 30 days of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
Conn 's stated that I owed a debt for {$1600.00}. They transferred the account to a third party name XXXX. I made a settlement offer to XXXX for {$480.00} to settle the account in full and now Conn 's won't settle the account to XXXX balance on my credit. The collection place XXXX stated they couldn't put a XXXX  balance since they wasn't the ones who report to the credit bureau. I tried calling Conn 's over 10 times to get the matter resolved and still no answer. I fax over the letter to Conn 's letting them know I settle the account on XX/XX/2018 and they still won't report to the credit bureau it was settle. I talk to a supervisor name XXXX in recovery and I keep getting the run around. I tried telling them Im in the process of buying a mortgage and I need my account to be settle to a XXXX  balance, along with a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: FL

Complaint narrative:
XX/XX/18 On XXXX, all the information was provided completely and accurately ; however equifax refused to provide my credit report. The report was denied with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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 — Problem with personal statement of dispute
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
I have been trying to get this debt properly verified. I have requested for original contract. They refuse to provide this information. Every month they report the account as late to the XXXX Agency and it decreases my score. I have been trying to deal with this for a year. I dispute this account and XXXX says it has been verified, but there is no proof. Diversified Consultants have been reporting since 2017.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX, Account number:XXXX. I disputed again with XXXX on XX/XX/2018. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX/PayPal, Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The City of XXXX, Tax Collector ( XXXX XXXX ) sent us a letter dated XX/XX/2018 placing a lien for {$1100.00} on our property at XXXX XXXX XXXX for cleanup costs on our property. On XX/XX/2018 we appeared in court to dispute this charge and the charge was dismissed. We were told by the court to take the " Disposition of Summons '' paperwork to the Tax Collector to have the lien of {$1100.00} released. Our attempts to resolve this matter with the City of XXXX has been unsuccessful. We refused to pay this balance as the court dismissed the charge. As we continued to pursue this issue with the City of XXXX the charges remained unpaid. On XX/XX/2018 we received a letter from Wells Fargo advising us they paid past-due real estate taxes on property. We asked Wells Fargo to provide us with documentation for this additional payment on our behalf. Wells Fargo contacted the City of XXXX and were incorrectly advised this payment represented the removal of a tax exemption on our property for the same value of the lien for {$1100.00}. When we determined this payment represented the same charges dismissed by the court we asked Wells Fargo to reverse this payment to the City of XXXX. Although Wells Fargo has been unable to substantiate these charges after 3 months of research, they have refused to reverse this payment to the City of XXXX and expect us to reimburse Wells Fargo. Please help us to resolve this issue. Initially, Wells Fargo incorrectly included this additional payment in our escrow calculation for the upcoming year. We have spoken with multiple people at Wells Fargo and the City of XXXX but have been unable to resolve it. Hopefully, CFPB will be able to assist us before we seek legal recourse. 
Thanks, 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 explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on Capital One, NA Account number : XXXX. FCRA 623 and FDCPA 806 ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. There is no balance reported on my XXXX report. This is violations of both FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
This is a more important matter than what it may seem because I have excellent credit and have never had a 'past 30 ' or a late pay of any sort in 25 years. HSBC 's inability to correct their mistake has lowered my credit score significantly. I have tried since XX/XX/2018 to get HSCB to  correct this simple error. I have tried by phone, online chat, email and a written dispute with HSBC directly. I have filed this dispute with all major bureaus. My last attempts were between XX/XX/XXXX - XX/XX/XXXX. I  opened their credit card In XXXX and closed it within 5 mos. because HSBC 's online autopay system was unable to process payments. A person has about a 30 % chance of reaching HSBC, hearing a human voice, being routed in less than 3 attempts to the right department, not being disconnected, being given correct advice, or having their issue resolved. HSBC is well aware of the above issues. Out of 387 complaints recorded within a 7-month period of time from XX/XX/2018 -- XX/XX/2018 approximately 80 % were related to the above. I want HSBC to remove the negative mark on my credit ASAP because they were unable to collect my payment automatically from my bank account. I would also like HSBC to directly apologize to me and the 10s of thousands or millions (? ) of other consumers affected by their inexcusable lack of service and concern

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
We started this process in 2009, we were offered a loan modification and we took it because it would make our payments cheaper through XXXX XXXX XXXX. We accepted the loan modification and made all trial mortgage payments as they requested. 
After making all of the mortgage trial payments, while we were waiting to get our agreement concerning the proposed modification they sent us a letter stating that we did not qualify for a loan modification. 
Every time we tried to speak to someone about our loan we had to wait for the XXXX and if by chance we did get to speak to anyone, the next time we were told to call there was a new person assigned to our account that knew absolutely nothing about our mortgage and if in fact we had submitted a new modification package it had to be reviewed. We have been offered stream line modifications in the past but following the advise of our attorney we did not accept them because they were such high payments. 
The hardship that we encountered has past and we are willing and want to make mortgage payments. 
The other issue is that they gave us a valuation of our home and it is {$370000.00}. and we owe a total of over {$750000.00}. We never knew the interest rate we were being charged we don't know if we have an adjustable rate mortgage????? 
We can make a good faith down payment as well as make regular payments. 
They sent us a statement with a XXXX Payment for {$3700.00} and then for XXXX the payment is {$4700.00}. It appears to adjust every three months. If we took the streamline modification would it adjust every three months? On the statement they have charges and other fees listed as {$6200.00}, then Charges/fees this period {$1800.00}? We are trying to make sense of all of this because we really want and need to save our home. We are asking for your help.Please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: NJ

Complaint narrative:
A scam of a Fraud agency by the name of Receivable Performance has been posted their frivolous information on my Equifax and XXXX  credit bureaus, I have sent prior complaints to Equifax and XXXX, I haven't got any positive response. 

I never had any contracts made with this XXXX XXXX   scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, XXXX XXXX and Equifax to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam both bureaus with a Federal Lawsuit and huge Punitive charges and damages to my credit.

Company response to consumer: Closed with non-monetary relief