vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
Ditech Mortgage I have field a previous complaint. This weekend I received certified letters regarding a demand for over {$2700.00} for non payment for the months of XXXX, XXXX and XXXX, that I had not made these payments, notice of to foreclosure and an application for a modification. Also, similar documents were sent to my brother regarding the same property. The problems are : 1. I  have not missed ONE payment on my mortgage since Diteck assumed my mortgage ( many years ), I have all my bank records demonstrating my payments. 
2. My bother XXXX XXXX does not own this property 3. I own this property exclusively 4. My bother, XXXX XXXX is deceased. 
5. XXXX had previously reported on my credit report there were TWO FIRST mortgages on this property which was never true, impossible to have two first mortgages on the same property. This error caused my credit score to plummet 6. On an earlier occasion they reported I had a zero balance, which was not true 7. And they reported that my mortgage was included in a bankruptcy which was not true 8. Whenever I have tried to call them a voice menu requires I provide them the loan number and when I do, the call automatically transfers to another company that represents XXXX and that company say they can not discuss my mortgage without XXXX XXXX approval. 
9. I have written XXXX directly and have had no response other than THIS NOTICE OF DELINQUENCY, IMMEDIATE DEMAND FOR PAYMENT, and risk for foreclosure. 

I believe these recent notification are vindictive in nature and a result of my earlier complaints.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: PA

Complaint narrative:
There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called transunion and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: TX

Complaint narrative:
Bank XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XXXX XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XXXX XXXX. This loan was accelerated on XXXX/XXXX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.

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 2017-10-09 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called XXXX and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX XXXX finance XXXX XXXX XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cr XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX Cap XXXX XXXX XXXX auto XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premium cred XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are a number of inquiries on my report that I did not authorize and I do not know why they are on here and I need them off as soon as possible. I called XXXX and they would not remove them. Listed below are the name of the inquires and the dates of them all. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX card XXXX Cap XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX finance XXXX XXXX XXXX Cap XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX cr XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX auto XXXX XXXX fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX Premium cred 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 2017-10-09 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: TX

Complaint narrative:
XXXX XXXX XXXX is incorrectly reporting the last activity on the account. The last payment on the account was in XX/XX/XXXX. There has been no payment, reinstatement, or any other agreement to reinstate loan after the last payment. The credit reports are showing payment activity through XX/XX/XXXX which is incorrect. This credit line should be corrected to reflect the last activity/payment XX/XX/XXXX. This loan was accelerated on XX/XX/XXXX and there has been no payments, agreements or reinstatement of the contractual loan since the acceleration.

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 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This company has been calling my phone for XXXX XXXX, my name is XXXX XXXX. I have an XXXX XXXX XXXX whom I do not communicate with. I have received calls on my phone at XXXX am, XXXX pm and have tried to reach them back to STOP the calls. This morning my phone rang again at XXXX am, it was them again. I had blocked a previous number and they used a no caller ID number. I asked the person where or how they got my number, they refused to answer the question. I am not XXXX XXXX, they asked numerous times to leave messages, it is becoming a harassment situation. These people are out of control. They have now promised to stop calling me, but I do not believe them. I asked for a supervisor and he also refused to give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit.

Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company.

This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission.

To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
In XX/XX/XXXX, mortgage lender PennyMac later XXXX XXXX, commenced a foreclosure action against XXXX XXXX and his wife XXXX XXXX. PennyMac claimed it served their son XXXX at their home address. The XXXX do not have a son. In XX/XX/XXXX when they entered a contract of sale, they learned of the foreclosure. The XXXX ultimately prevailed. There was no delinquency of any kind. No missing or late payments. Hazard insurance, water/sewer were in effect and timely paid. ( See attached Order ) The Court gave us permission to Close. The XXXX requested a pay-off letter. The pay-off letter includes " Foreclosure Attorney Fees of {$3400.00}, '' " Contested Litigation Attorneys ' Fees through XX/XX/XXXX {$2200.00} '' " Court Appearances {$4300.00}, '' " XXXX for an Additional Notice of Pendency, '' " Gap Continuation {$40.00} '' " Index Number {$400.00} ( note : and index no. costs {$210.00} ) '', " Notice of Pendency Filing Cost {$35.00}, '' " Amended Notice of Pendency {$35.00}, '' " Amended Notice of XXXX XXXX Recording Fee {$75.00}, '' " Additional Notice of Pendency Filing Cost {$35.00}, '' " Service of Process {$1200.00}, '' " Order of Reference filing Costs {$90.00}, '' " Request for Judicial Intervention {$95.00}, '' " Referee 's Oath ( Estimated ) {$250.00}, '' " Motion to Discontinuation Fee ( Estimated ) {$640.00} '' and Motion to Discontinue Filing ( Estimated ) {$45.00} '' for a grand total of {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
This started on XXXX XXXX XXXX. I started to get calls about owing money to XXXX XXXX XXXX. I switched over to XXXX back in XXXX. I payed off my old phone with XXXX XXXX XXXX the same year. Fast forward to XXXX XXXX XXXX. I received a call from XXXX XXXX XXXX XXXX. They said I owe {$200.00} to XXXX XXXX XXXX. I did pay once and I thought it was over. I got called again with roughly the same charge of {$200.00}. I was surprised the XXXX XXXX XXXX phone company did n't contact me via email on the matter. When I tried signing into my old XXXX XXXX XXXX account I could n't. I tried to reset my password too and the email was wrong when I knew it was right. So since I 'm not with XXXX XXXX XXXX anymore the account was removed. How could I owe money to a company when I do n't have an account with them anymore? I also received other debt collector calls from similar numbers. The following is the list of numbers all pointing to this company : XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX called XXXX XXXX XXXX XXXX The company name is Diversified Consultants. I keep getting harassed by them almost daily now. Can you please help? Thank you in advance. Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: SC

Complaint narrative:
My bank account was robbed as well identity, The bank has another name on my account, I can not get in wrote them 5 times they ignored me, The bank refuse to allow me in they or doing overdraft over XXXX dollars, they have been stealing from me when I requested help of life lock XXXX they continue to bill me, the contract with chase bank states once my identity was stolen they would give me my money back they breach the contract, I am loosing everything, Life lock also breached there contract my case number XXXX I am XXXX with forth stage XXXX both taking advantage Life Lock is doing the same, it States that it would pay bill 2 years life lock Racketeering, I ca n't pay for my XXXX treatment they or going to stop it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had student loans through XXXX XXXX since XXXX. 
My loans eventually transferred to the company Navient. 
I was experiencing financial hardship in XXXX and was told I could put my loans on hold for 3 months by Navient, however I was charged over {$1100.00} in interest over that 3 month period. 
XXXX This document of the capitalized interest is in an uploaded document attached ) I have XXXX different private loans through Navient. On XXXX of my loans the interest rate is 10 % which is making it impossible to pay off my loans, I 've mostly been paying interest for the 10 years I 've been out of college. 
copy from my Navient account on XXXX of my private loans. 

Unpaid Principal {$15000.00} XXXX XXXX {$15000.00} XXXX XXXX 10.250 % Interest rates on private loans are set by the lender. 

After calling Navient numerous times to lower my interest rates I would be put on hold for XXXX minute and then told there is nothing they can do This has happened multiple times. 

I have over {$65000.00} in student loan debt and with my high interest rates that wo n't be adjusted and the deception by this company, it has been so hard to pay my loans off. 

I am looking to refinance with XXXX to have a better interest rate, but have been so unhappy with the service of Navient. After reading the lawsuits again them and other borrower 's stories I realize I am not the only XXXX suffering from student debt. I pay over {$500.00} a month and I feel I am not even making a dent in my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: IL

Complaint narrative:
*Mailed a letter requesting the information below and only provided the information attached to the complaint. 

1.Agreement with your client that authorizes you to collect on this alleged debt. 
2.Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor. 
3.Complete payment history on this account so as to prove that the debt amount you wish to collect is correct. 
XXXX. Provide proof of license and bonded to collect in the state of Illinois.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: Midwest Recovery Systems
State: CA

Complaint narrative:
I received an alert that a collection account had been added to my credit report. I pulled my credit report to find out what this collection account was for. Well the collection company is trying to collect for an online payday loan that they have no legal authority to collect on as the loan was not legal and the State of XXXX issued Desist and Refrain Order and Order Voiding Transactions and to Disgorge All Charges and Fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
To Whom It May Concern : You placed an inquiry on my credit report. I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for ( credit, insurance, employment or other services ) with your company. This inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law by performing a hard inquiry on my credit file without my permission. To resolve this matter please remove the inquiry from my credit report within ten ( 10 ) business days of the date of this letter. If the illegal credit inquiry is not deleted I shall be forced to seek legal action which may include but is not limited to paying me the civil liability fine, punitive damages for the decrease in my credit score, plus court and attorney fees. Please read note and see picture attachment of dates. Sincerely, XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, 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 2017-10-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
MY ENTIRE CLAIM WILL BE SUBMITTED ALONG WITH SUPPORTING DOCUMENTS! 

At the end of XXXX I applied and was approved for a credit card issued by USAA with a {$6000.00} credit limit. Several days/weeks later on XX/XX/XXXX I made ONE and only ONE transaction for {$5700.00} at a medical center called " XXXX XXXX XXXX '', before my credit card was due I was fully refunded ( as you 'll see the receipt I 'll attach ) for the full amount. 
USAA simply ignored it and kept on reporting late payments. I tried at least 30 times on different occasions to call them to correct it but they always told me they have no department to speak about these concerns ( it 's all on a recorded phone call, as USAA always said all calls are recorded ). However, they kept on sending me letter that I 'm late and need to make a payment. 

One day I decided it 's enough, and it 's not possible that they do n't have a department to speak to about this. I went ahead and filed a dispute with XXXX, XXXX & XXXX. 
XXXX & XXXX instantly realized the FRAUD USAA is doing and immediately removed and blocked it from reporting. 

However, XXXX kept on coming back to me with the answer that USAA provided supporting documents that there was no refund, which is very contra-dictionary, due to the fact I can proof otherwise. 

I ask the CFPB to uphold my rights and have them remove this entire account from my XXXX Credit Report as it 's having substantial impact on me getting a Mortgage..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I never finished the program and never received a refund. I am on an income based repayment plan and it still showing on my credit.

Company response to consumer: Closed with explanation