vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I bought my home XX/XX/XXXX in Florida while going through a ruff time in my life. I was XXXX to XXXX in XX/XX/XXXX-XX/XX/XXXX. While XXXX i received missed payment on my credit report in which was not supposed to happen while being XXXX in the military overseas. My mortgage got behind while i was XXXX due to my ex wife was taking my pay but not paying my mortgage. When I return needless to say I got a divorce, had to pay almost {$8000.00} and then come to find out the next month BB & T wanted more money or they would start foreclosure proceedings, problem was, ex wife took most and then the rest was paid to BB & T. I attempted to work out a deal with BB & T numerous time but to a dead end. I had to hire 2 different law firms and make payments every month now for almost 3 years in which could 've been money on my home and not lawyers. When I got a divorce the Judge awarded me my home % 100 and my ex wife was NOT on my deed. BB & T was going to give me a modification but wanted my ex wife to sign as well but she refused being she was remarried and wanted nothing to do with me or my home so BB & T backed out and over a year later Im still dealing with this. As a XXXX veteran I have served honorably this country, and it hurts to have The Big Companies in America such as BB & T take advantage of veterans in this deceitful way, I have much more proof that my lawyers will be presenting soon but i wanted to warn my fellow veterans to be mindful and careful when doing business with BB & T.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XX/XX/XXXX and provided a release from National Credit Systems on National Credit Systems ' letterhead. 

Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history. 

Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , IncXXXX and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 

1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to remove my name from the account and collection action. Ive attached that email sent XX/XX/XXXX. 

2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated XX/XX/XXXX, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems.

Please immediately remove the National Credit Systems , Inc. collection listing from my report. 

Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, my XXXX credit report shows 11 hard inquires and an additional 8 inquires on XX/XX/XXXX. At that time, I agreed to co-sign on a vehicle but had NO IDEA, my credit would be checked 19 times!! 

A list of the credit unions include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I realize that these are inquiries and have not significantly affected my credit SCORE but I was just denied for a travel benefit credit card due to this number of inquiries. I would sincerely appreciate if something could be done to have these removed.

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 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
This is property is located in a disaster-impacted area : XXXX XXXX, Texas XXXX ( Hurrican Harvey ) please revise modification to reflect see complaint XXXX loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
On XX/XX/17 I sent a letter certified mail # ( XXXX ) for Validation of debt. 
I requested that Cooling and Winter all from below. 

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

Winter and Cooling have not complied to this request in its entirely.

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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion seems to have had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted with additional inquiries i do n't recognize to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit report. I have reached out to TransUnion and was told I need to create a Police report and fax it to their Consumer Department. I do n't understand why I would need to provide a Police Report to an internal error they had. My credit score Fluctuated from a XXXX to XXXX up and down. I need this corrected ASAP. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Police Inquiry # 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 2018-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: HI

Complaint narrative:
I have tried to open a checking account with TD Bank on XX/XX/XXXX. 
Information provided to TD Bank by a third party identification verification information company reports a fraud alert is attached to my post office box address so I can not open a new account. 
This information is incorrect because another person not related to me used my XXXX XXXX XXXX a few years ago for himself and his family. Numerous bills have arrived and apparently are unpaid resulting in a fraud alert related to my address. In checking with one of the credit report agencies, I have found that my credit is good and they have no fraud information reported related to my credit history. 
The matter is complicated due to the fact that this person has the same last name as me. TD Bank would not provide information to me as to the " third party '' company or companies they subscribe to for this service. so that I can attempt to correct the erroneous information. Any assistance will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX an online purchase was made at XXXX XXXX. The transaction was pid for with my wife 's XXXX credit card XXXX XXXX ending in XXXX. There was difficulty in processing the transaction and at 1st I attempted to use my XXXX XXXX XXXX CITI card XXXX but never received a confirmation. Subsequent XXXX 's also requested a hold authorization for the same amount of {$180.00} on the CITI card even though they billed my wife 's card.. The product has already been delivered and paid for via my wife 's cc but both XXXX XXXX and CITI refuse to release the hold of {$180.00} on my CITI card. I will upload proof that the product was paid for on my wife 's card.

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 2018-01-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: LDF Holdings, LLC
State: CO

Complaint narrative:
I was approved at : XXXX : XXXX A person named " XXXX XXXX '' called me and we went over some details. I was approved ( per 2 emails she sent me from " XXXX '' ), she then asked for me to visit a site to do a 'bank verification '. Afterwards, I signed and agreed to a contract allowing me to pay off the {$500.00} loan whenevr I wanted ( so I could avoid as much interest as possible, I know what I am signing up for with this, but am in a bad spot ).

Afterwards she said she would call in 15 minutes with the bank transfer verification, but instead I received a 'Denied '' email.

I don't mind getting denied, but I already signed a contract and provided personal information about my bank and paystub.

A company like this should have their approval/denial up front, before sensitive information is shared.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 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: CO

Complaint narrative:
I ave had continuous problems with Equifax that are unbelievable. 

I can not submit disputes online because they do not have accurate personal information for me on file. Disputing by mail takes significantly longer, and all my disputes come back with INCORRECT information. XXXX and XXXX  are correctly reporting these accounts. I have no idea where Equifax is getting their information. I submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I received a notice today that my dispute results were ready. When I tried to view them I could not get them pulled up because the website will not accept my address. I finally obtained them by accessing my credit report through a third party. The updates were with information that was even more out dated than the original dispute. 

I contacted equifax twice on XX/XX/XXXX. The first associate kept telling me I dont have an equifax credit report. The second associate told me all she could do is file disputes again and that would take 30 days. I have waited long enough for this company to get it right. I should not have to go wait another month. The f you can not report courage information then you should not be in the credit reporting business. 



The following accounts are not reported correctly. 

XXXX XXXX XXXX XXXX XXXX Account is closed Balance is {$0.00} Equifax is reporting balance of over {$1100.00} XXXX XXXX Account is closed, payments have NEVER been late. The balance is {$0.00} Equifax is reporting a balance Over {$2000.00} XXXX XXXX XXXX This account balance is {$240.00} Equifax is reporting over {$500.00} XXXX XXXX This account is closed with a {$0.00} balance Equifax s reporting open collection with balance over {$300.00} XXXX XXXX XXXX This account is closed with a {$0.00} balance Equifax is reporting open collection with balance of {$390.00} The following hard inquiries were not performed by me and should be removed IMMEDIATELY. I have placed a freeze on my account and expect that Equifax will not furnish my credit information to any one else without my authorization : XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX  XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX  It is the duty of equifax to uphold the highest standards for accuracy and verification when reporting information that has a financial impact on a person. Due to the negligence and lack of diligence on the part of Equifax, I have spent countless hours calling representatives, filling out disputes, and filing complaints just to get them to do their job properly. This is having a devastating impact on my Financial health and my ability to provide for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase has improperly withdrawn money from my XXXX checking account for payment to a Chase credit card that I share with my mom but have n't used in over 3 years. 
We both have an online Chase account. She made a payment to the joint credit card from her online account. She nor I have ever verified my XXXX checking account on her online Chase account. I have verified it to XX/XX/XXXX payments to my other Chase credit cards. I believe they have a bug in their system that is authorizing her to withdrawn money from my XXXX account by allowing her access since I have already verified it on my online Chase account. 
Chase will not fix the issue. 
My mom is not computer savvy. She would not be able to confirm the two small deposits into my XXXX account to verified it online. She does not have access to any of my XXXX checks. She has her own money and has never called Chase to access the XXXX account. Chase will not further research this issue. I believe this must be an ongoing issue where Chase is withdrawing unauthorized funds from external bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I am selling my coop at XXXX XXXX XXXX XXXX, XXXX. The buyers have already been approved and all parties are ready to go to the closing table with the exception of my bank who holds the coop 's mortgage, Mr. Cooper ( formerly Nationstar ). In mid-XX/XX/XXXX my lawyer, XXXX XXXX, informed Mr. Cooper that the coop 's stock certificate would need to be presented at the closing. Mr. Cooper took absolutely no action for nine ( 9 ) weeks. After additional prodding from my lawyer, they handed the issue to their lawyers, XXXX XXXX XXXX XXXX XXXX XXXX. 

The law firm told my lawyer they would have the document available and ready for closing in 4 to 6 weeks. Six ( 6 ) weeks has now passed and they still have no document to produce at closing. Closing is ready to go but can not proceed without this document. The coop is costing me a significant amount of money each week it sits empty. The buyers are anxious to occupy the coop to set it up prior to the birth of their child. Everything is being held up because Mr. Cooper can not produce the stock certificate. 

It has now been a total fifteen ( 15 ) weeks that Mr. Cooper or their lawyers have failed to produce the required document. 

I have attached a letter my attorney sent to XXXX XXXX ... on X/XX/18 that summarizes the situation. I have also attached a copy of a recent mortgage statement showing the mortgage account number, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Accord Business Funding, LLC
State: TX

Complaint narrative:
I took out a small business loan with XXXX XXXX XXXX in New York but I practice XXXX in XXXX Texas. We got hit by major hurricane and lost my XXXX for a month. I was unable to pay XXXX so they sold by debt to XXXX XXXX. XXXX XXXX garnished all the insurance checks owed to me for my services starting XX/XX/XXXX and continue to have them garnished. I have never be served papers or had a legal judgement against me. The have received more money than what was owed to XXXX, but state they have not received anything even though XXXX has told me they have mailed them the checks.

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 2018-01-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Live Well Financial, Inc.
State: AZ

Complaint narrative:
In connection with application for reverse mortgage, on XX/XX/XXXX I gave a paper check for the appraisal to XXXX XXXX, an agent of Livewell Financial. Then I withdrew the mortgage application, and the appraisal was canceled 4 days before it was scheduled. Meanwhile, on XX/XX/XXXX my bank paid the check electronically before I could place a stop order. Now Livewell and their agents claim they do not have the money. My paper check has never cleared the bank. I signed an ARIZONA ADVANCE FEE AGREEMENT which obligates Livewell and their agent to refund the appraisal fee if the service is not performed. Someone -- Livewell or their agent -- has my {$290.00} ; but everyone involved, including the notary, the appraiser, Livewell and XXXX XXXX XXXX XXXX, all deny that they were paid. Someone has my check in their possession and wo n't admit it. One of these bad actors is lying to 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 2018-01-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am new to united states and last year in XX/XX/XXXX I was assigned with my residency, work authorization and social security cards. I was educated as I have to built my credit I always stayed very low and alert on credit applications. I had a credit card issued by my spouse as a shared card initially so I can start my credit reporting but unfortunately that did not help. Hence I applied with XXXX & XXXX ( XXXX & XXXX XXXX ) credit cards as they assist with low limits unsecured and report to all credit bureaus. I was approved and started using the cards and making on-time payments. Also XXXX XXXX and XXXX XXXX offered me unsecured credit cards and I accepted them. 
Since then I had been trying to access my credit reports on -line with these bureaus ( XXXX / Equifax & XXXX ), they always stated that they were unable to verify my identity as I am very new. Never received any supportive assistance. 
Then i registered with XXXX XXXX / XXXX XXXX & XXXX XXXX so that i can keep checking where i was with my credit score. 
Suddenly i started receiving credit alerts from card companies, personal loan companies & auto finance companies. These alerts were hard inquiries on my report without my authorization. 
So i called XXXX / XXXX & Equifax and i asked them to do something about it, again the response was very lame from all the three organizations because they were not able to verify me due to new social security number. Hence i asked them to place a security freeze on my file which i read on the annual credit reporting website. 
The dilemma still did not stop as several inquires were initiated and i kept on getting alerts for the same and finally my score kept going down. 
I raised several disputes with XXXX as Equifax & XXXX always said that they can not verify any information for me. 
I seek your assistance for the same as this is affecting my current situation as now i am full time employed with a reputed XXXX institution as a XXXX XXXX and am looking to get a Auto - Loan and i do n't want any such discrepancies affect my purchasing power. 
I have somehow experienced identity Theft too as i keep on receiving several calls from Auto Loan collections agencies asking installment amount on my XXXX XXXX XXXX / Student loan payment. I do n't have any such credits and these calls keep on asking for money. 
I seek your assistance to resolve the same as i tried my best but had no response. Probably if this goes from your organization i am sure they would all wake up and start working on my request and save me from the Fraud inquires.

Company response to consumer: Closed with explanation