vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-18 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: FL

Complaint narrative:
This item still appears on my Transunion credit report. The source, XXXX & XXXX XXXX ( XXXX ) have confirmed that there is no record of the request and they sent letters to all 3 major credit reporting bureaus to remove it on XX/XX/XXXX confirmed in attached letter. 

Transunion has refused to remove this credit inquiry from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 
My Credit security was breached. On XX/XX/XXXX XXXX reported a data breach impacting 145.5 million people. Get up-todate info on XXXX XXXX Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, showed up in 2 data breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP

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 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: UT

Complaint narrative:
My wife and I have a mortgage with Banco Popular in Puerto Rico that we obtained in XX/XX/2106. We speak English only, and have told them on numerous occasions to send us servicing notices in English. They keep send important notices ( such as about hurricane insurance or property insurance ) in XXXX only. This is unlawful and needs to stop. When I tried to call again today, I got the runaround and finally was disconnected with no one helping me.

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 2018-06-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Eaton Group Attorneys LLC
State: LA

Complaint narrative:
in XX/XX/XXXX my daughter purchase a XXXX XXXX from XXXX XXXX in XXXX XXXX.She asked me if i could co sign for her and since she was my daughter i agreed to help her.The financing was too high for her she realized after she had the car for a couple of months. The rate was too high and she could not get the vehicle refinanced out of my name at an interest rate she could afford and after a few months of struggling to meet the note she returned the vehicle in XXXX XXXX.She had put down {$1400.00} on the purchase and lost that money as well. She not I ever received any kind of paperwork and were never notified that anything else was owed on the vehicle. We were never served any kind of paperwork nor were we given a chance to appear before a judge to dispute the judgment which is now on my name. Until i went to purchase a home 4 years later did I even know there was a judgment against me. The judgment is for over {$14000.00} and I was never served or given notice that this was being filed.I called the attorneys on several occasions the week of XXXX XXXX thru XX/XX/XXXX to find out how that was large amount was still owed after the car was sold. I have never received any paperwork regarding the selling of the car and was willing to make payments on the balance remaining as i suspected it could not be more than {$4000.00} since {$1400.00} was put down and payments had also been received. The car when returned was only 6 months old with minimal miles on it and i did not possibly see how i could owe over {$14000.00} on the car. That meant they would have had to sell a {$22000.00} car for only {$7000.00} which would have been ridiculous for a new car.I never received a return phone call from the EATON GROUP ATTORNEYS LLC OR XXXX the attorney handling this. I would like to see what the car sold for minus the monthly payments made by my daughter plus the {$1400.00} she pd down on the vehicle as i suspect i owed nothing after the car sold or I would have gotten some kind of notice after 4 years stating i still owed something on my daughter 's behalf.I DO NOT SEE HOW ANY JUDGMENT CAN BE FILED AGAINST A PERSON WITHOUT SENDING THEM A NOTICE THAT MUST BE ACKNOWLEDGED THEY RECEIVED.HOW DO COLLECTION ATTORNEYS GET AWAY WITH THIS? 
THANK YOU

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Dear Sir/Madam, In conjunction with our original request with your office, for assistance to hold Wells Fargo Mortgage responsible for its willful negligence and illegal XXXX Home Improvement contract that we were forced to sign in order to have our closing. 
They deemed and validated their contractor who abandoned our first home renovation thereby placed our entire family in financial distress. Our family was XXXX for five ( 5 ) months and we still paid our mortgage and outstanding debts. Attached is further  documentation for your review. 
As of today, we are in the process of completing Wells Fargo financial hardship loan  modification application and we need your intervention with it. We have submitted documentation that my husband is a XXXX XXXX XXXX member, he had XXXX in XX/XX/XXXX, and his XXXX  stated so in a letter submitted to Wells Fargo. His work schedule has been significantly alter not due to health but due to work conditions. 
We have had Court judgments against us XXXX confiscated {$1000.00} out of our Wells Fargo account this XXXX that was towards our XX/XX/XXXX mortgage payment which is not paid and now we are in XXXX. 
Wells Fargo is currently requesting redundant documentation from us and we our appealing to your office to re-review our complaint and this additional documentation so we can have relief from this two year overly burdensome experience with Wells Fargo mortgage. 
We want our home! We have invested tears, sleepless nights, sweat equity and all our financial resources to make it our home. 
We appeal to your office to please review all newly submitted documentation and our original complaint to consider this appeal. 
We are grateful for your most recent assessments and awarding against Wells Fargo on XX/XX/XXXX. 
We pray for your consideration in our matter.

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 2018-06-18 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: NJ

Complaint narrative:
Account paid in FULL via phone with XXXX XXXX : Tuesday XX/XX/XXXX. 
XXXX XXXX can not provide proof as to why suddenly additional amounts are owed. Have spoken to over 15 XXXX XXXX  representatives trying to 1. get an exact dollar amount, which I cant 2. Have them provide me reasoning why this is owed. I have been in constant contact with XXXX XXXX. Recently spoke to XXXX XXXX regarding initial CFPB complaint. They advised me not to worry and that its being looked into, and that they would be in touch. Two days later ( on XX/XX/XXXX ) they put a derogatory mark on my credit. This is not fair. They are really interfering with my life. I have been trying to work with XXXX XXXX  to resolve this with 0 assistance in the matter. They can prove me no documentation and no one will work with me. 
Please note : Married Name : XXXX XXXX ( EST. XX/XX/XXXX ) Maiden Name : 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 2018-06-18 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This item still appears on my XXXX  credit report. The source, XXXX & Synchrony Bank ( XXXX ) have confirmed that there is no record of the request and they sent letters to all 3 major credit reporting bureaus to remove it on XX/XX/XXXX confirmed in attached letter. 

XXXX has refused to remove this credit inquiry from my reports. I did not apply for credit with XXXX as reported on my credit reports. The requests are fraudulent and impacting my credit, making finding housing as aXXXX % XXXX veteran very difficult. 
My Credit security was breached. On XX/XX/XXXX XXXX  reported a data breach impacting 145.5 million people. Get up-todate info on XXXX Cybersecurity Incident site. I was notified by XXXX XXXX : " Based on findings that go back as far as XX/XX/XXXX, weve found your info in an additional 1 breach. '' You've been in 2 breaches We checked our database of over 13 billion breached accounts and your email address, showed up in 2 data breaches. That means some online accounts and personal info may be compromised. Data breach details View the details for each breach here, and then follow the steps below to help protect your accounts and identity. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( also known as XXXX XXXX, XXXX ), originally incorporated in the state of Wyoming, is no longer in business. In XX/XX/XXXX, a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost 1.4 billion records including email and IP

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 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On my Experian report I have on my personal file a wrong address which I asked Experian to remove, for I have never lived at this place XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have no idea where it came from. I've never lived in California. It was posted in XX/XX/2018. 

Alos with XXXX they have a address that is not mine that address is XXXX XXXX XXXX, XXXX, OH XXXX I also would like for it to be removed off you my personal credit profile.

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 2018-06-18 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: Nelnet, Inc.
State: FL

Complaint narrative:
I am a XXXX XXXX  XXXX veteran. My Federal Student Loans have been discharged due to my XXXX. None of these Federal Student Loans were ever late or in repayment status prior to my XXXX XXXX effective date of XX/XX/XXXX. During the administrative work with SSA and XXXX XXXX. XXXX  XXXX and Nelnet to process my XXXX discharge the loans were placed in late payment status. Nelnet sent me a letter to correct this with all 3 credit bureaus. I submitted the letter from Nelnet to all 3 credit bureaus and all 3 have refused to remove any late payment reporting on these Federal Student Loans. I have disputed the accounts to no avail with all 3 credit bureaus. 

The credit bureaus have not removed the late payment markings on XXXXXXXX XXXX XXXXXXXX./Nelnet Loan updates in XX/XX/XXXX and XX/XX/XXXX. 

Again, none of these loans were ever late prior to my XX/XX/XXXX Social Security XXXX XXXX XXXX onset determination date. 

The dates of misreporting are last reported during XX/XX/XXXX-XX/XX/XXXX. There are about 33 occurrences of this error in each report, often with 7-14 months labeled as Late Payments from XX/XX/XXXX-XX/XX/XXXX. This constitutes approximately 231 incorrect items per month since XX/XX/XXXX subject to FCRA penalties or fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: E Mortgage
State: PA

Complaint narrative:
Complaint is that we felt forced to use a company that rented space in a realtor 's office if we were going to buy from them. I know it is not compliant as the realtor just collects a flat fee from the lender and then expects the client to use them. It was very shady at best. We were looking to buy a home in XXXX and the realtor XXXX XXXX made us use EMortgage to get our loan.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
I currently paid off the mortgage with Ditech. The payment was processed with a late fee of XXXX. I called to get additional information and was told that this was assessed from XX/XX/XXXX? I am not sure how I was assessed in XX/XX/XXXX with a payoff and charged additional fees.

In XX/XX/XXXX, they sent me a notice that my escrow was short. I sent in the amount they requested, the funds were applied incorrectly and was charged late fees again. I sent the payment in with the payment coupon they provided with my escrow analysis? I had to call 2-3 times to get it applied correctly. Everything was cleared up and my account was corrected. I received statements for XX/XX/XXXX and XX/XX/XXXX with no late fees? Now when I pay it off in XX/XX/XXXX there are late fees??

They have reported my account late to credit reports over these fictitious late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: AZ

Complaint narrative:
My cell rings, and the caller hangs up before I can answer the call. This has happened a lot of times. Following are hang up calls from the same number. I called the number back, and they hung up on me. 
List of hang up calls to me. 
XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX XX/XX/2018 XXXX from XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/18 synchrony bank called me to remind me of a payment I immediately get them my debit card number for {$190.00}. Payment was taken from my account. They can't find it. They have been calling daily wanting me to send it. My bank XXXX and I have fax them several times proving how, and when they withdrew the monies. We just do not know what we can do to resolve it. They are not cooperating.

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 2018-06-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I was a student and was not given the opportunity to a fair payment plan. At the time I was forced to have my parents wages garnished even though they were a co-signer and never once gave me a payment plan. I was currently in school full time. I was told the only option I had was to have my parents wages garnished even thought it was my loan and I was working and wanted my wages garnished because the payment I could afford. I never even received any communication that they were my true lender. I was not provided any documentation that this company truly owned my loan. To this day I go on their website and its nothing but a portal to make a payment. My parent was forced into signing wage garnish documents and all contact was harassment via telephone. The documents wer the XXXX XXXX XXXX XXXX XXXX XXXX a Delaware statutory trust.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On my XXXX  report I have on my personal file a wrong address which I asked XXXX  to remove, for I have never lived at this place XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I have no idea where it came from. I've never lived in California. It was posted in XX/XX/2018. 

Alos with Transunion they have a address that is not mine that address is XXXX XXXX XXXX, XXXX, OH XXXX I also would like for it to be removed off you my personal credit profile.

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 2018-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My wife XXXX XXXX has a Mortgage being serviced by Shellpoint Mortgage Service ( Acct. #  XXXX ) for XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, my name is XXXX XXXX. The mortgage was originally handled by XXXX  XXXX XXXX who transferred it to XXXX XXXX XXXX at the end of XX/XX/XXXX. We requested a Modification with XXXX but before they started they transferred it to Shellpoint. We then asked for a Modification with Shellpoint. We were being helped by the XXXX XXXX XXXX XXXX XXXX County to make sure everything was done right. Shellpoint told XXXX XXXX that we would have to be 1-2 months behind on mortgage payments ( 3 could cause foreclosure ) since we were never late once in the over 10 years of the Mortgage. Shellpoint dragged it on through multiple appraisals, redo of paperwork etc before finally deciding that since there was equity in the house there would be no modification. Shellpoint knew this from day 1 with the first appraisal but dragged it on. I recently asked the XXXX XXXX about the missed payments we were told to do but they said that companies due it verbally only. I e-mailed Shellpoint requesting to remove the late charges that accrued since we only did what they said. They replied NO including an e-mail ( 2nd request ) sent to their Mitigation Dept. on XX/XX/XXXX. Also, in XX/XX/XXXX we experienced Hurricane Irma. I called Shellpoint and was advised that you could miss 1-3 payments and that it would be added to the end of the loan. I advised Shellpoint that 1 month was enough. Again, more late charges. When asked about that I was told they had changed it but never told me. So, right now I pay 1 month behind but pay every month ( only missed 1 after Irma  ). More late charges and more refusal to help even though again we followed what Shellpoint said to do. I would like help with the late charges and continue to make our monthly payment ( {$1600.00} was {$1200.00} but it was a 10 year no interest Mortgage that increased when Shellpoint received it ) with no further problems. Shellpoint told me we need to pay the 1 payment thats behind and again the late charges stay and apply each month. We are on Social Security and if we could do that we wouldnt have asked for a Modification. Again, both times we followed Shellpoints instructions only to be rejected and penalized. Thank You XXXX XXXX ( husband of XXXX XXXX, Shellpoint has permission to deal with me since my wife is XX/XX/XXXX XXXX ). I can be reached at ( XXXX ) XXXX or e-mail 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 2018-06-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Diversified Consultants place from XXXX XXXX XXXX a XXXX debt that is not owed. Diversified Consultants also had place by XXXX XXXX XXXX on my credit file as to there was no notice mailed to me in any way to dispute the debt within 30 days by Diversified Consultants as they claim they sent the debt back to XXXX XXXX XXXX as spoke to them on XX/XX/XXXX as stated by the person I spoke to. 

Attach is a copy from the Consumer Financial Protection Bureau complaint # XXXX Submitted XX/XX/XXXX company response XX/XX/XXXX that the disputed account was removed from my credit report. 

Attach is a copy as proof from the Company 's response

Company response to consumer: Closed with non-monetary relief