vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: NH

Complaint narrative:
I purchased my home in XX/XX/2012. I have had nothing but hassles since that time. 
My husband is a XXXX XXXX and I applied for mortgage modification and nothing became of that except letters threatening foreclosure. They have often stated that they never received payments resulting in my having to cancel checks and late fees and more foreclosure letters. 
I have been sending my payments ( money orders ), certified/return receipt, directly to the HUD office. Then, I get another letter last week, another foreclosure letter stating that it was because of unpaid late fees. I can not control when the HUD office posts my payments. I should not have late fees. 
They have left notices on my door, taken pictures of my home and vehicles. I find this to be harassment. I would like to find another mortgage company, however, they have ruined my credit. I thought that these companies were supposed to help people stay in their homes, not threaten to take them away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I opened a dispute for Bank of America on XX/XX/2018 to offer purchase protection for a hotel reservation gone wrong. The letter that I sent them is attached, but it involves the hotel not able to provide another room after their vacuum cleaner exploded near the bed, causing me to have severe breathing issues. 

Bank of America pursued the dispute until a letter dated XXXX XXXX arrived on XXXX XXXX, requesting further information by the XXXX of XXXX. I faxed the information requested on the XXXX of XXXX ( proof of receipt is attached. ) Bank of America proceeded to send a letter dated XXXX XXXX, that I had not sent them the required information in time and closed the. This is incorrect and Bank of America refuses to reopen the dispute. 

I have attached all of the inquiries that I pursued with both the merchant and Bank of America as well as proof of receipt of a fax on 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 2019-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am a service member in the XXXX XXXX on XXXX XXXX and I am writing this letter to explain in detail the history and circumstances leading to the current default on my mortgage. According to the last statement I received from you, I currently owe {$71000.00} and my Escrow Balance is $ -XXXX. 

In XX/XX/XXXX, I had a XXXX XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX, CA which reduced our income by {$1500.00} per month while still under XXXX  XXXX XXXX as our Mortgage lender. In XX/XX/XXXX, my mortgage was transferred XXXX XXXX and by that time, my family was struggling to make mortgage payments. Around the same time, a significant change in property taxes increased the monthly payment by approximately {$300.00} per month. The change was due to registration of STAR program which was not processed properly by the municipality. Ultimately this was corrected but not before adding to the financial burden my family was already experiencing. 
We continued to make partial payments while attempting to keep our default to no less than three months while exhausting most of our savings in the process. In XX/XX/XXXX, we were instructed XXXX to request for loan modification and to stop making payments until that process was finalized. We were then approved for a loan modification about three months later. Our trial payments were for three installments of {$2300.00} due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX did not accept the final payment because it was not made on time and returned those funds to us. That put us right back to square and owing far more than 180 days in mortgage payments. We have not made a payments since. 

We made four attempts at Loan Modifications in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XXXX XX/XX/XXXX in an effort to bring the account current. All of these were submitted and denied by XXXX 30 days after they were submitted. Each time, XXXX concluded that they were unable to reduce the mortgage amount and that I did not qualify for any of the modification options available. 

I am asking for an opportunity to make things right and restore my mortgage account back to current status and to remove this financial and emotional burden on my family. I am hoping that you can provide some options that will help me accomplish this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: NY

Complaint narrative:
XX/XX/19 This is the first time Experian credit agency has inaccurate information of me. 
I requested and received my free annual credit report from Experian, I saw my social security number is not mine, I never reported this number as my social security nor is it a combination of my social security number. I asked to have this corrected and I received another Experian report and my social security number or combination of it is still not correct. I want what portion this credit reporting agency enters as my own social security on my credit report, to enter my correct information. 

This year with my request for my free annual credit reports another credit reporting agency also had an incorrect social security number for me, I requested a correction report sent me with my correct social security number or part of it, and it was corrected by the credit reporting agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is an overpayment from VA which I have tried to stop on several occasions. This is not a loan. This should not be on my credit report as closed. I am currently paying XXXX XXXX month on. It's on my Transunion report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: OR

Complaint narrative:
When our mortgage was refinanced in XX/XX/XXXX it was shortly thereafter reassigned to Stearns Lending. all escrow accounts were in order and in good standing. Somehow when it came time to pay the county tax something went wrong without our knowledge. Fast forward to XX/XX/XXXX the mortgage was again transferred this time to XXXX XXXX. They found the discrepancy and tried to get Stearns to correct it. They never received any kind of response to so the bill was forwarded to us. We are now paying an extra {$180.00} a month on our mortgage to cover the cost of the back taxes. We contacted the escrow company whom we closed with to find out what happened. They discovered that Stearns paid the taxes on the wrong property. All this information was forwarded to Stearns this was XX/XX/XXXX. I never heard back. We contacted them again XX/XX/XXXX, they said it would take 30 days to correct. Still, to this day it is not corrected we are still paying for their error and have not heard back. I contacted them again two weeks ago with the promise to have it looked into again but still nothing. The extra cost is becoming a hardship for our 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 2019-02-26 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: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
wrongful foreclosure in XX/XX/XXXX and wells fargo admits they had computer errors. my file according to the other claim was sent to OCC which has no knowledge. I was told to resubmit to the OCC and I did and when I called them on XX/XX/XXXX I was told it was sent to your office. I have been gotten a RUN around since day one. I want to know what is going on and I also called wells fargo onXX/XX/XXXX and asked them I have not received a letter and they gave me a claim number # XXXX and a number to call them back @ XXXX they told me someone would call me back within 48 hours and I have heard nothing. Just like I have been saying from day ONE I have all the proof of what they have done and No regulators will do anything. I want my house back or a comparable house. I have been fighting this since XX/XX/XXXX. i also want every document pertaining to my loan modification with 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 2019-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: VA

Complaint narrative:
In XX/XX/XXXX, I began paying back my student loan. This loan was later purchased by Nelnet. I continued making regular payments on this loan, and I began making larger payments to retire this debt. On XX/XX/XXXX, I called Nelnet to inquire the exact amount needed to close and payoff the loan in its entirety. Based upon that phone call, on XX/XX/XXXX, I made a final payment on this loan, the balance was made {$0.00}. I specifically asked them to send me a written letter confirming that I do not have any further balance. 
I called back in early XXXX and inXX/XX/XXXX. Both times, I was advised that I would receive this letter within 60 days. I still have not received any written proof from Nelnet that my account is closed and this student loan is paid off. In using the website, Nelnet indicates there is a " {$0.00} '' balance, and no payment is due and owing. But they refused to send me a letter so that in the future, there can be no doubt about this situation. I also contacted the Credit Reporting Agency in XX/XX/XXXX to determine whether any negative mark was made against my credit. I am waiting for a response. I am filing this complaint because Nelnet refuses to respond to reasonable request for written proof that my account has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXX XXXX, XXXX. 
XXXX N/A XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX  XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
The company that is attempting to collect from me is Caine & Weiner. After inputting their information into the Department of Licensing and Regulatory Affairs I was informed that the company is not licensed to collect debt in the state of Michigan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I received the attached latter in the mail from Debt Recovery solutions stating XXXX XXXX XXXX ( " XXXX '' ) has purchased an account with my name on it. This is a serious matter because I was a victim of identity theft. And XXXX has attempted to report false information on my credit report for some time now., Each time they are removed by all Major Consumer Reporting Agencies or By XXXX ' because they are not mine. 

Also I want notify you of the history of the account numbers and amounts owed keep changing in order to re-insert of my credit report. 

This is a serious matter. 

The attached letter says I have the right to request a copy of the contract or other documents evidencing an agreement of debt. I need to see these to notify the bureaus of more identity theft by XXXX ' or some other person out there claiming to be me Attached is a copy of the notice I received dated XX/XX/2019. 

I have responded within 30 days of the date. Please send all documents showing that this debt belongs to me. I have kept all copies of certified letters from the past I have had with XXXX ' and their data furnishing affiliates or partners. This debt is an attempt to reinsert a debt that does not belong to me.. As XXXX ' already know my father passed away and we had the same name. this is all well documented. 

I also called the XXXX hospital in XXXX where this supposedly took place. they said do to HIIPPA they were unable to share any information with me. there are XXXX XXXX 's in the system but there are not any that match my description.,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The below complaint was not addressed, despite request by the bank for additional time which was over a month ... 
As I've stated before in numerous past complaints and again here, a closeout check in the amount of XXXX was sent out on XX/XX/XXXX via XXXX next day air, intercepted by another party the following day on XX/XX/XXXX. I left for vacation on the morning of the XXXX, a XXXX XXXX with XXXX XXXX XXXX picked me up around XXXX XXXX, drove me to XXXX XXXX in XXXX, MA, my flight left around XXXX XXXX. I have attached a statement from Mr XXXX stating he picked me up at my address on said date and time. I believe XXXX dropped off the package in the late afternoon, I was not at home as I had left at XXXX XXXX. The check was intercepted by a XXXX XXXX, my signature forged on it, deposited to a XXXX XXXX XXXX  which is not my account. I was able to reach a cousin whom lived here prior from XX/XX/XXXX to XXXX of XXXX, I moved in XXXX of XXXX. His now ex-wife 's name is XXXX XXXX and she was here on XX/XX/XXXX visiting a neighbor in XXXX XXXX next door, it appears she intercepted the check, signed and cashed it into her account. Prior this, a check for same amount was sent on XX/XX/XXXX, received on XX/XX/XXXX, which had a stop payment placed on it. The check was deposited to my XXXX account, returned back and numerous overdraft and returned check fees assessed which Capital One reimbursed me for. However, the issue of the fraud check is still ongoing since XXXX. A XXXX XXXX with Capital One has provided info showing the XXXX XXXX XXXX account was at a brief time linked to my Capital One account, in which case my account was compromised and hacked into. A rep with security intake team removed the account on his end manually after speaking with me on the phone, realizing it is fraud. Further, XXXX refers to a check deposited to my account from the XXXX XXXX account which I believe my account was used again, possibly to move funds, this is another reason account was since closed by Capital One. The information she has shown is all circumstantial ... .. I was not at home to receive check, sign and cash it. It was deposited to a XXXX XXXX XXXX account which is not mine. Capital One refuses to check signatures on checks, one received on XX/XX/XXXX and second intercepted check, signatures are different from another as I did not sign check sent on XX/XX/XXXX and taken by XXXX XXXX. In closing, please advise Capital One they need to provide a mailing address to send notice of small claim suit as well as copies of all checks, two in the amount of XXXX and additional check which covers fees charged by XXXX due to stop payment. I require all this info in order to file small claim suit. Another option would be to reissue check for funds owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
I submitted a verification letter to Online Information Services and received a screenshot of a statement. I informed the collection agency ( OIS ) that the account does not belong to me because I never resided on the street they have attached to the statement. I then disputed the inaccuracy and violation I found aside from the address ; dates of last activity not matching the other two credit bureaus with the three credit bureaus. XXXX  and XXXX removed the said inaccuracy/ violation however XXXX started that OIS said to keep it on my credit report because they said it is accuracy. I also requested to see the document OIS submitted and they confirmed it's the same one they sent me. After speaking with three individuals from XXXX ; XXXX, XXXX ( Supervisor ) & XXXX I was told to contact OIS and see if they can remove it.

Company response to consumer: Closed with explanation