vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 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: WI

Complaint narrative:
I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

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 2017-11-27 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: WI

Complaint narrative:
I have reached out to all the credit breuas and creditors to provide me with validation that the inaccurate information listed below belongs to me. several phone calls, faxes, and letters sent and no response. This is very hard for me to obtain credit and having a negative impact on my future things I am trying to obtain. 

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
the company has guided me towards forbearance while doubling my rates, when the rathes got too high they put me on a rate reduction program which then made it nearly impossible for me to get in contact with helpful members or any team that speaks to me like they care at all they purposely gave me the run around every single time my online account summary never matches with the timely payments i make every month, they harass my cosigners, & make it hard to repay in a sensible way

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I first sent my complaint to Equifax back in XXXX XXXX XXXX  2017. Along with police report and supporting documents.  Explaining to them about the problem that I was having with XXXX XXXX for a fraudulent foreclosure against my property. After receiving my credit report. I asked to please remove XXXX XXXX  from my credit report. And said me a letter in writing updating the report wish Equifax refuse to do. I was told that there were not be able to do that write a letter but they would remove it from the credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: GA

Complaint narrative:
I contacted Equifax on X/XX/17 via certified mail and telephone advising them that a I tried to contact a creditor XXXX XXXX via the address information that was listed on my credit report from the reporting agency. I mailed the listed account agency a certified letter and the letter came back as an undeliverable address. I then made copies of the letter in which I still have with the yellow undeliverable sticker on it and faxed and mailed to Equifax providing them this documentation. Equifax is allowing the agency to report a false undeliverable address as contact information on my report. In addition when calling XXXX on X/XX/17 to clear up the issue they can not identify the records because Equifax has allowed reporting of missing/partial/incomplete account number XXXX. Equifax sends out an automated response of " account verified '' but has yet to provide me with any documentation bearing my signature. It is my understanding that no entity of the state and federal laws of reporting has the authority to retain report transfer sell utilize or else wise outdated untrue inaccurate physically unverifiable fraudulent misreported and or any not compliant allegations. I have made numerous requests for them to remove this account and they have refused after being provided with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IN

Complaint narrative:
I called on XXXX XXXX, 2017 to inquire about switching to an income based repayment program with a lower monthly payments. I was told to submit my application, that the following month ( XX/XX/XXXX, payment due XX/XX/XXXX ) I would be unenrolled from current repayment plan and have a one time {$5.00} payment. That this one month would not count towards my 120 payments for PSLF, but that the new repayment plane would take affect in XX/XX/XXXX ( due XX/XX/XXXX ). I called XX/XX/XXXX to inquire about the status, as my payment would bill XX/XX/XXXX, and was told my app was flagged for a 15 day manual review, but that I should ignore the initial bill and would still pay the one time {$5.00} payment on XX/XX/XXXX. I called on XX/XX/XXXX to follow up and was now told that the {$5.00} payment would not be until following moth and that my bill was still {$420.00}. I asked to speak to a supervisor and was told my request had not been processed, that I did not have to make the {$420.00} payment due XX/XX/XXXX, but that neither the XX/XX/XXXX payment, nor the {$5.00} payment that would now be due on XX/XX/XXXX would count toward my PSLF. 

The supervisor I spoke to today, XX/XX/XXXX, is XXXX, XXXX. 
This company is not informing federal loan borrowers properly about their repayment options, or the process for switching payments. They have caused an unnecessary delay and issue with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ResidentCollect, Inc.
State: LA

Complaint narrative:
XX/XX/XXXX, an account with XXXX XXXX XXXX XXXX was placed for collection with Innovative Recovery Inc/ResidentCollect, Inc. The balance owed is {$210.00}. I disputed with XXXX XXXX XXXX XXXX regarding this matter ; I believe I do n't owe them anything. 

Innovative Recovery Inc./ResidentCollect, Inc. has reported the account as uncollected to XXXX XXXX XXXX XXXX . As a result of this reporting I have been unable to secure credit from any business and homeless for two years ( unable to rent an apartment ). XXXX has estimated that they may remove the negative data from my report XX/XX/XXXX. 

I am requesting assistance from your agency with asking XXXX to remove the negative data from its report before XX/XX/XXXX. It would be greatly appreciated if it could be removed in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: TN

Complaint narrative:
I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I sent letter from XXXX XXXX XXXX For information related to crimes against 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 2017-11-27 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: TN

Complaint narrative:
I have been trying to have incorrect information Collection companies/debts that are fraudulent and are not mine Incorrect statements that do not match my true history removed Over 31 inquiries that have impacted my score d/t another using my name etc .... 
Fraudulently -- - I have sent Info for removal XX/XX/XXXX XX/XX/XXXX And XX/XX/XXXX That should have been enough time to remove incorrect items And return my correct credit bureau scores -- - I sent letter from XXXX XXXX XXXX For information related to crimes against 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 non-monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
Seterus Inc refinanced a mortgage without my knowledge or consent. In XX/XX/XXXX they named me as a primary and my ex wife a signer and extended my credit 636 months at {$1200.00}. I had no knowledge of this and signed nothing, I have not owned this property since my divorce in XX/XX/XXXX.  Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: CT

Complaint narrative:
Captial one has inquiries on my credit report that I have no knowledge about with the same dates more than once, there is the dates XX/XX/XXXX, XX/XX/XXXX, listed 2 times on all 3 credit bureaus, XX/XX/XXXX listed once, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they did not have my permission to run my credit report and XXXX, XXXX and XXXX will not remove this inquiries stating the info has been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
In XXXX of this year ( 2017 ) my husband apply to Refinance our mortgage through XXXX ; XXXX XXXX XXXX XXXX. We gave all pertinent information and were given an initial rate. The rate lock has so many days to finalize all paperwork, or we would have to request another rate lock extension. We have and XXXX have requested a subordination agreement requirements from XXXX. XXXX has not made any effort to release the requested information. I have spoken with 5-10 different individuals without any one being able to verbalize the request. I have been unable to speak with the same person on any conversations I have spoken with XXXX. When I finally was assured this was going to be taken care of the processor from XXXX was made to submit the identical information so many times that my husband and I will have to start paying points for any further rate extensions. I have sent information by fax to then be asked for information that only XXXX can give. I have sent all documentation requested over and over again to XXXX as they are being asked by XXXX for the same information. But when the processor submits what they requested to comply, they are being told that the paperwork is incorrect. I have given the processor on 3 occasions permission to speak directly with XXXX to finalize all necessary paperwork to no avail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I purchased a {$100.00} prepaid XXXX issued by XXXX XXXX XXXX XXXX in XX/XX/XXXX.  Turns out the card was already compromised in XX/XX/XXXX ( according to U.S. Bank ) by a fraudster, who unloaded the value of the card in XX/XX/XXXX, soon after I purchased the card. After I became aware that the card had XXXX balance on it, I called U.S. Bank to find out what was going on. U.S. Bank refused any responsibility, claiming it had advised me in an XX/XX/XXXX phone call that re-activating the card carried the risk of exposing it to fraud ( in fact the very person they were talking to was the fraudster - the card value was unloaded the following day ; I even provided evidence to U.S. Bank to show that I was in Hawaii, not anywhere near where the fraud was perpetuated in XXXX California, at the time of the phone call and unloading of the {$100.00} ). On XX/XX/XXXX, I provided all information requested by U.S. Bank to dispute the fraud by fax. I had no response from U.S. Bank and called back two weeks later. In repeated phone calls since then, U.S. Bank would only tell me that it was being researched, or that someone would get back to me, or that I was out of luck because I had already been advised about the risk of re-activating the card on XX/XX/XXXX ( when in fact they were talking to the fraudster ). Although I have provided all requested information, U.S. Bank continues to give me the run-around ( now having talked to over a dozen people at U.S. Bank ) rather than any action to resolve the problem.

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 monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
We were trying to make a payment and catch up on missed payments to XXXX XXXX XXXX, and they refused to accept payment, claiming they were working on a modification. We then faxed numerous amounts of documented data, which they then proceed to " claim '' there was no received faxes. They then came through with an unaffordable payment plan the following 2 months. This all took place during the end of XX/XX/XXXX and the plan was given to us in XX/XX/XXXX, we then proceeded to let the law group help us to deal with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XX/XX/XXXX I refinanced my home loan with Wells Fargo ; unbeknownst to me this was in fact a predatory loan. I made payments to this loan all the time while my principle balance was increasing. As my minimum payment increased due to the adjustable rate I could no longer afford a payment of {$2400.00}. In the fall of XX/XX/XXXXI was approved for a HAMP modification in which I made all 3 of my trial payments but according to Wells Fargo I did n't send back the proper " signed '' paperwork within a given time period therefore they denied me this loan. I waited a few months then applied for a modification in XX/XX/XXXX, I was approved for a modification of my home mortgage and completed one trial payment in XX/XX/XXXXbut on XX/XX/XXXX I was injured on my job and have become XXXX XXXX. I reached out to Wells Fargo to ask them to postpone my trial payments until my workers compensation lawyers could straighten out my financial situation with the insurance company but they denied me and in XX/XX/XXXX they then denied me the modification loan. Wells Fargo proceeded with a foreclosure of my home in XX/XX/XXXX, I had filed for bankruptcy in XX/XX/XXXX and by XX/XX/XXXX my workers compensation lawyers have been able to get an appeal on my compensation claim and I am now in a stable financial condition to apply for a modification to show and prove income with less debit ratio but Wells Fargo is denying me any application to apply for a loan modification.

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 2017-11-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IL

Complaint narrative:
Loan Care underestimated my escrow payments. Now it reassessed my escrow and I have to pay nearly {$800.00} more a month to satisfy my escrow minimum balance. The company wants me to do this in a period of 12 months. On XX/XX/XXXX I called and explained that I would like to get an extension to be able to repay within 24 months and make the burden easier on me. They explained I would have to do it in writing thru e-mail. I did so and 3 days later received an automated e-mail back stating they had received my request. I havent heard nothing else from them and now on XX/XX/XXXX im expected to pay {$2000.00} from {$1200.00} that I was paying. They never said yes or no to my request for and extension or responded back in a prompt way.

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 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: TN

Complaint narrative:
XXXX County Texas case number ( XXXX ) was dismissed and not a Conviction. Sterling has verified this with the courts as well and only removed it from XXXX XXXX XXXX  background check only. This case is also past 7 years old I am requesting that it be Completely removed from my background all together in case any other company run a background check for employment. Please see documentation from Sterling. 

Also XXXX County Texas case number XXXX should not be showing up on my background check either because it is past 7 years old. The document from Sterling say the filed date is XX/XX/XXXX in which that is incorrect. The filed date is XX/XX/XXXX in which it is past 7 years as of XX/XX/XXXX. I am requesting that this be removed completely from my background check all together not just only Sterling background check but whomever try to run a background check on me for employment. I have attached documentation for both. Per Sterling pre employment background check stated that it will go back within the past 7 years. So 7 years from XX/XX/XXXXwould be XXXX. Please see attached

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