vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a   negative on my credit profile.
1st req  uest sent certified mail  XXXX / XXXX / 17  ; response was " verified  '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct.     * These negative records are also listed on my report as duplicate recor ds (   XXXX   times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX Used first-time homebuyer program to purchase my home thru XXXX XXXX for {$11000.00}. XX/XX/XXXX XXXX Sold to XXXX XXXX ( I do n't remember exactly ; or got in a bind and heard bout modifications. No other solutions were offered to me at that time and I did not know what else to do. Not the mortage is $ XXXX/ARM. Somewhere between XX/XX/XXXX-XX/XX/XXXX the loan was sold to XXXX XXXX  and Seterus began servicing the account. No issues with payment. I am more stable and on top of things until I lost my job of 15 years in XX/XX/XXXX. I called Seterus to inform them of loss of work and was told there was nothing they could do until i defaulted. Other friends and family told me to call back and ask for principal reduction to help lower the payment. Seterus said nothing like that existed. I was getting unemployment at the time so the Seterus rep offered me 6 month forbearance type program where I paid smaller payments over 6 months ( ca n't miss any payments ) ; i made the payments on time but did n't secure a job in 6 months so i was given an extension to the same program. After 1 year i was told by Seterus that I did n't qualify for help anymore because I did n't have full time employment and I need to pay $ 10-12k to to bring my account current and avoid foreclosure proceedings. I borroed, begged, took money from my 401k to save my home. After the fact i learned about programs like XXXX XXXX XXXX and I-refi all of which my lender ( Seterus ) is a program partner. I have never taken equity out of my  home and i owe $ XXXX. I 've tried a few times to figure out where things went wrong but I ca n't figure it out. I made calls to the lender but they are not helpful. I am underwater on my home. Comparable properties in my neighborhood are selling for $ 60- $ 80k.  I ca n't qualify for any federal funding because my loan-to-home-value- is too great. I reached about again to Seterus for mercy and goodwill to give me a principal reduction so that I can qualify for assistance and save my home. I sent written correspondence this time as well. As of today, no response. I feel that there is something scrupulous that happened to me during this program when I was down on luck. How can I still owe {$160.00} on my home that I have been in for 15 years? I also ca n't find anything file at the XXXX County Recorder of deeds as to who is currently holding holding he mortgage for my property. Nothing on file after XXXX. I obtained a payoff letter just to see what kinds of information is on he document. Seems as though Seterus is charging me $ XXXX in " deferred mortgage '' I do n't know what that is or where it came from? I have no record that I owe any deferred mortgage. Please help me. : /

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Hampton & Hampton Collections LLC
State: MA

Complaint narrative:
My  Homeowner Association for a  rental property in  XXXX   XXXX  changed  XXXX   XXXX . I had automatic payment for the  HOA f ee, but the automatic payment did not get set up with the new association resulting missed payment from  XXXX   XXXX  forward to present.     The association contacted a collections agency to collect the debt from me and sent a letter to me on  XXXX   XXXX ,  XXXX . I was not aware of this incident until this collection letter. The amount owed is {$400.00} and {$50.00} in late fees from the association for a total of {$450.00}. The collections company is asking for {$910.00}, when the amount I owe is {$450.00}.     This amount is grossly marked up. This is more than double than the original amount owed and is unfair and unreasonable.     From what I understand from t  he Fair Debt Collections Practice states they can not collect more than the amount owed.
Please help.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-15 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: IL

Complaint narrative:
XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.

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 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
While checking my personal credit report, which I acquired from [ Experian, XXXX, XXXX ], I noticed an inquiry made by : -XXXX XXXX XXXX , XXXX. XXXX XXXX XXXX  XXXX, DE XXXX ( XXXX ) XXXX. on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX -XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX  on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX -XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX. on XX/XX/XXXX I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ) .You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights. <P/>I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within five ( 5 ) business daysso that I can verify its validity. Mail it to the address listed above. <P/>1. ( a ) Verification.Your claim must be verified to prove the validity, by presenting the alleged obligation under oath or notary seal, and signed by an Officer of ( ), under penalty of perjury as to accord with impartiality honesty and integrity. <P/>2. This is an un rebutted statement of facts.Your response is not required, however if you fail to rebut these statements within ( 5 ) daysthen it shall certify your consent, assent, and agreement to the statements as true, correct, complete, and not misleading. <P/>3. Additionally all further communications to our office shall be made only by an Officer of ( ), signed in Ink, including the Title and Name of individual verifying the data and affirming its accuracy and authenticity. Please cease and desist all communications that are not signed in accordance with the provisions made herewith. The failure to do so constitutes a prejudice to my rights and is damaging to me. Therefore, should we continue to receive unsigned communication from your office, it shall constitute your agreement to compensate us for this predetermined sum of {$10000.00} per document. <P/>4. Please be advised that if this debt isnt verified according to the Fair Debt Collections Act.You must delete this recording from my credit reports. <P/>As it is that I am willing to contact the Federal Trade Commission, Report you to Both The Council of Better Business Bureaus and Consumer Financial Protection Bureaus as I am very much inclined to file a lawsuit if this matter is not immediately resolved.

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 2017-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
I 've previously submitted a complaint against this company and did n't receive validation or a contract stating anything. This company has lied and said they sent papers to my 'Previous Address ' and also claims to have spoken with me this year which is a lie. They have violated m y Hipaa rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: IL

Complaint narrative:
XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.

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 2017-06-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX   XXXX  is reporting late payments to all  XXXX  credit bureaus for  XXXX . During this time i was going through loan modification due to a financial hardship.  XXXX  took about 6 months to complete the process. These late payments should not be reported they are negatively impacting my credit profile and my ability to qualify for programs and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
You r group ( CFPB ) has been absolutely no help with this ordeal. Wells Fargo has used deceptive and fraudulent business practices yet you allow this behavior. When I was approved for the modification 2 years ago, I had to hire an attorney at a cost of {$700.00} because they  approved me for modification and refused to honor the approval to allow me to pay. I had to hire an attorney to force them to honor their approval but it cost me an additional {$700.00}. In addition they increased my payments to the point where it made my payments unreasonable. My payments increased by over 40 %. They have tried to fraudulently speed up the foreclosure by stating I abandoned the property which was a lie. They cited my electricity was turned off which was a lie. They continuously leave these abandoned notes on my door an d on 2 occasions left posted abandonment notes on my door for my neighbors to see. This is a government secured loan and they know they will get paid in full if they simply foreclose. They are stealing from taxpa yers by using deceptive and fraudulent business practices. I will write my local government representatives including  the White House as to the effectiveness of your organization assisting me with dealing with Wells Fargo. Wells Fargo has   made this entire process stressful and now I will now lose my home because of their actions. I have proof and documentation of their illegal behavior at forcing me out of my home.

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 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX SSN XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'm writing this complaint to asked you to please remove a credit inquiry that was Pulled on my XXXX credit file on XX/XX/17 For a XXXX Credit card. I was approved for the card! but however your website DOES NOT state that each team have a master or Visa card assigned to each Team in my case I 'm a XXXX XXXX XXXX Fan and that team has a master card logo per your rep at Barclaycard. therefore I did n't not get the team logo of my choice that would be like someone at Barclaycard coming to work with a XXXX XXXX XXXX t shirt on that would n't go over so well! I was approved for visa. I will not carry another teams card around IN WHICH The card that I canceled would have did me no good also I will not allow another hard inquiry on my credit file which I hope you will understand Therefore it would n't have did me any good. You need to update your website and make it clear for Customers who is applying for XXXX  cards. I Immediatley canceled the account Ending in XXXX myself that I was approved for and I asked you to please Immediatly remove the hard credit inquiry from my credit XXXX report file thank you for your speedy and full cooperation Thank you 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 2017-06-15 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: Navient Solutions, LLC.
State: RI

Complaint narrative:
Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with Navient ( formerly  XXXX   XXXX  ). Because the of the account status,  Navient  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (  XXXX  ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and Navient would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had  XXXX  re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from Navient to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: RI

Complaint narrative:
Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX    )  . Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had Transunion re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.

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 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with  XXXX  ( formerly  XXXX   XXXX   ).  Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had   XXXX   re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Hello, On  XXXX / XXXX / XXXX , I was trying to settle my charged-off student loans with   XXXX   ( formerly  XXXX   XXXX   ).   Because the of the account status,  XXXX  would not speak to me directly and my calls were automatically forwarded to  XXXX   XXXX   XXXX  (   XXXX   ), their third party debt collection agency. On that date, they offered me a {$18000.00} cash settlement to close out the account, which I was unable to pay so they agreed to monthly payments in the amount of {$250.00}. On  XXXX / XXXX / XXXX , after making all my payments on time, every month, with no issue, I had saved enough to settle the rest of the account and called  XXXX . I spoke with  XXXX   XXXX , a manager, who assured me that if I paid the {$14000.00} that my account would have a {$0.00} balance and  XXXX  would update my credit reports. So I paid the {$14000.00} and was provided a reference number of  XXXX . I received the settlement offer and a {$0.00} balance letter in writing showing that my account was settled in full. I let a couple months go by and my reports are still not updated. I submitted disputes to all  XXXX  credit bureaus on  XXXX / XXXX / XXXX  and it 's still showing that my account is charged-off, with an open balance, a past due amount and payment terms after the investigations were completed. This is not right. I settled these accounts so I could improve my creditworthiness and now it 's almost as if I never made the payment. I even had  XXXX  re-report that the accounts were 120 days past due on  XXXX / XXXX / XXXX  when I had already settled the account 45 days earlier. Can you please help? I do n't know what is happening.  XXXX  had to get approval from  XXXX  to settle on the account so I do n't understand why they are not updating all of my reports.     I 'm attaching the settlement offer as well as the {$0.00} balance letter for your review.

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