vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-16 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:
On   XXXX   report a company called  XXXX   XXXX   XXXX  put something on my report in error. I have resolved issue with   XXXX   XXXX   XXXX   they sent me letter saying they would have it removed. i also sent letter and dispute to  XXXX  and the results per Report  Number  :  XXXX  on  XXXX / XXXX /   2017  was that the information remains. This information should not be reporting and i did submit the documentation from    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 2017-06-16 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: Pacific Union Financial, LLC
State: NC

Complaint narrative:
I noticed that there was a new hard inquiry from factual data on my credit reports. This was done on behalf of  pacific union financial. Pacific  union financial purchased my mortgage from  XXXX   XXXX . Pacific union financial never advised me that they would be re pulling my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I am filing this complaint against Nationstar Mortgage LLC, herein referred to as Nationstar, because of their continuous efforts to attempt to collect on a debt that I dispute they own. My mortgage did not originate with Nationstar. If I recall  Nationstar became my servicer when my loan was in default or they are servicing the debt on behalf of an entity that received the alleged debt while I was in default. Because the entity Nationstar services the debt for received the alleged debt while I was in default, they are " debt collectors as defined by the Fair Debt Collection Practices Act, hereinafter FDCPA, 15 U.S.C. 1692 ( a ) ( 6 ). Nationstar has continually falsely represented the character, amount, and legal status of the debt, and are threatening to take action that is not legal for them to take. Currently, there is a foreclosure sale scheduled on my home for XXXX XXXX 2017. This nonjudicial foreclosure action is in violation of 15 U.S.C. 1692f ( 6 ). Nationstar has refused to work with me in terms of a modification agreement. Upon their refusal to work with me in modifying my loan, I sought the assistance of an attorney. I was informed that based on the documents that are recorded in the XXXX County Recorder 's Office and based on my documents, Nationstar is servicing a debt on behalf of a debt collector who has no rights or authority to the alleged debt or my property. Under the FDCPA, a debt collector may not use unfair or unconscionable means to collect or attempt to collect a debt. More specifically they may not take or threaten to possess or disable property when the debt collector has no enforceable right to the property or does not intend to do so. Attached hereto, please find Notices of Trustees Sale evidencing the foreclosure sale set for XXXX XXXX 2017.
I am filing this complaint with the CFPB because Nationstar has blatantly disregarded the law and they continuously harass me about a debt that is not owed to them and falsely represent who allegedly owns it. Filing this complaint was not only necessary but recommended due to their violations. If nothing is done, they will continue with their blatant disregard for the law. <P/>Respectfully submitted, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: FACTUAL DATA CORP.
State: NC

Complaint narrative:
I noticed that there was a new hard inquiry from factual data on my credit reports. This was done on behalf of  XXXX   XXXX   XXXX .  XXXX    XXXX   XXXX   purchased my mortgage from  XXXX  financial.  XXXX    XXXX   XXXX   never advised me that they would be re pulling my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I received a collection notice from   XXXX   XXXX   XXXX   XXXX   about a balance of {$130.00} from a collection agency for  XXXX   XXXX  I have never heard or delt with this person I called the collection office twice the last time was today  XXXX / XXXX /   2017  and spoke with a gentleman who I have my info to and he stated to me that the person who owes this bill is  XXXX   XXXX  I advise the gentleman that was not me as I also stated the first time I called the gentleman ask me if I contacted the credit bureau to dispute I told him I did and that this is not a good look on my credit report because this balance is not mines I have called them twice and also disputed twice with the credit bureau but nothing has happen

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 2017-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Have been making payments on and off since  XXXX  when funds are available to  XXXX   XXXX  which now is Navient.   Since  XXXX  I have made reoccurring consistent payments to   XXXX    XXXX   XXXX  which is a collector for Navient. Navient claims they do not know who this agency collection is and has no business with them.   My private loans were rehabilitated in  XX/XX/XXXX , however payments are still coming out of my bank account and neither business can explain where this money is going.   Navient claims they do not have my loans and neither does  XXXX   XXXX . NO  ONE  can tell me where in the world my loans are at.   I have been getting non stop harassment phone calls from Navient who have stated they will take me to court and also to jail. Navient has also told me they did not care where I got the money from and basically told me I need to become a  XXXX  to collect money for them.   I have been so scared about this company I am in fear of my life and afraid to even answer the phone Everyone at Navient either ca n't hardly speak English or just screams and THREATENS me.   Navient has also been calling my  XXXX  yr old grandmother and have THREATENED her as well. My grandmother is fearful of this company and what lengths they might go through to hurt her.   Being currently unemployed for the last  1 1/2  years my finances have depleted and I have tried to explain multiple times to Navient that I do not have money to give them and they just repeatedly tell me they do n't care where the money comes from as long as they get paid.   Somehow in the last year  Navient  has told me my loan amount has tripled and how is this possible when I have not taken out any more money and I had reoccurring payments monthly.   I do not know what to do. I would like to do the right thing. BUT, being in fear for my life from being THREATENED MULTIPLE times from the people at Navient I just do not know what to do.   I have reached to a local lawyer who have said he basically can do NOTHING. I am in need of advise and to feel safe once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I graduated XXXX XXXX in XX/XX/XXXX, before the public service loan forgiveness program existed. When the program was created, I contacted XXXX XXXX by phone and asked about whether I would qualify for the loan forgiveness program. I was told yes. A few years later, when I was having a hard time making payments on a public service salary I again contacted them to try and problem solve my situation and was again told I would qualify for public service loan forgiveness. Neither time was I told I needed to refinance through the XXXX XXXX XXXX XXXX in order to qualify for public service loan forgiveness. In late XX/XX/XXXX I found out through a company that charges to assist with consolidation that I would need to refinance in order to qualify for public service student loan forgiveness. I confirmed through my own internet research that was true, and consolidated with the XXXX XXXX XXXX in late XX/XX/XXXX. After I consolidated I learned that none of my per-consolidation public service could count towards my forgiveness timeline. I have had the same public service job since XX/XX/XXXX. Because I could not afford to make my loan payments and cover a XXXX co-pay, car repairs, or my divorce, I had to put loans in forbearance during the time XXXX XXXX was my loan servicer. My loan debt has gone up {$30000.00} in the time I have been paying on it because at this time my income based repayment does n't even cover the monthly interest amount. If I had received the correct information about the qualifying requirements for the public service loan forgiveness program I would have refinanced back inXX/XX/XXXX. I could have several more years towards my public service forgiveness. The frustration I have felt through this process can not be expressed in words, or if it can, it is beyond my ability. I have had to use credit cards and loans to cover financial gaps because my loan debt is such a burden, and then to discover that I can not get credit even for the years of public service I have already worked was horrible news. I took the steps I believed I needed to in order to verify my qualifications for the public service loan forgiveness program, and was assured I qualified. Then I found out I did not, and there was nothing to do but refinance and start my service clock from that date. If there is anyway I can provide information for the lawsuit, please let me know. As to the dates and times of my phone calls with XXXX XXXX staff, that would have to be subpoeaned because it was so long ago I do not have records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN

Complaint narrative:
Started process to refinance my home due to my husband taking a job at XXXX ( better future & benefits ) less pay. Had Good credit rating ( XXXX ) & good amount of equity in my home having lived there for 10 years. Chose to work with Cardinal Financial on XXXX XXXX, XXXX XXXX Loan Originator had purposed XXXX cash out option and an interest rate of 3.875. That sounded like the best option for me to consolidate some bills & some light home improvements .We proceeded with the process and were on schedule to close in XXXX I had discussions with my current mortgage company that I would not be paying XXXX mortgage payment due to closing the refinance in XXXX. We were on schedule to close XXXX XXXX with a notary scheduled to come to my house to sign all of the paperwork. The documents came to me electronically on XXXX XXXX and they were not accurate. Cardinal had made errors, the cash out option that they purposed was around 6,000-7,000 ( instead of XXXX ) & I had a discount that was supposed to have been applied for XXXX that was not applied. That was around 7,000.00 in errors on their part that needed to be corrected. They did finally get the documents corrected and should have advised that I make XXXX mortgage payment since they are the professional and I did not know. The notary came to my house on XXXX XXXX ( not XXXX XXXX as originally scheduled ) ) & we signed and notarized all of the documents .We Closed the deal ( So I thought ). I got a call from XXXX XXXX Loan Processor on XXXX the XXXX saying due to the XXXX house payment not being made they could not continue the contract. I was devastated all that time and effort down the drain, little did I know this was the beginning of disastrous consequences to my CREDIT. My credit score went from XXXX to XXXX ( checked XXXX ) so I can no longer refinance with any company. I tried to get a home equity line of credit with my mortgage company & my personal bank All rejected due to the refinance attempt that ended badly. This horrible nightmare has caused me thousands of dollars, a large amount of grief and numerous sleepless nights. I gave Cardinal an opportunity to make this right as it was their errors that caused the delay. They declined. I have spoken with professionals in the matter and am taking steps to fix a terrible injustice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: FL

Complaint narrative:
Hello I would like to submit a complaint against Transunion I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect Transunion has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong 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 2017-06-16 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 disputed an account reported by  XXXX   XXXX   XXXX  in the file maintain under my Social Security number with Equifax in   XXXX   XXXX    .  <P/> I received an updated credit report from Equifax on  XX/XX/2017    ( Confirmation #  XXXX   XXXX  showing that the item was deleted from my credit report. A few days later I received a notice from my credit monitoring company that the account was placed by on my Equifax report.  <P/> In accordance with the requirements of the FCRA section  611 ( a  ) (  5 ) ( B ) ( ii  ), Equifax is required to notify me of the reinsertion in writing within 5 business days and I have not received such notification.   ( B ) Requirements relating to reinsertion of previously deleted mater ial ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.  <P/> I have spoken with several different people trying to rectify the situation with Equifax. The first person told me to call back once I had the Confirmation that shows that the item was not reporting on my credit report and it would be removed. The second person said that she was not able to pull up the confirmation number and transferred me to a third person that advise the report was updated on  XX/XX/2017   . I advised that the report updated on  XX/XX/2017    shows it removed but I received another report on  XX/XX/2017    showing that it was added back on my report and no one can give a clear explanation as to what is going on. When asked to be transferred to a manager, I was placed on hold for  1 hour and 37  minutes before I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 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: NV

Complaint narrative:
In  XXXX  and  XXXX  my social security number was use to file income tax and I also have over  XXXX  inquiry on my credit report which causes  my credit score to d rop drastically

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 2017-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: WLCC
State: MN

Complaint narrative:
Tried to work out a settlement did not hear from them for months. Now all of the sudden they are calling me at WORK!!! That is against the law!!! They harassing me with phone calls everyday at work!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-16 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: FL

Complaint narrative:
Hello I would like to submit a complaint against   XXXX   I have disputed a account that does n't not belong to me the credit agency name is FAIR COLLECTIONS AND OUTSOURCING and I have ask for proof showing that this account belongs to me I have contact the credit agency also and they have this account under a person name  XXXX   XXXX  and my name is  XXXX   XXXX  I have never changed my name or used another name and have contact both parties and nothing has been done expect  XXXX  has sent my credit report to be stated " VERFIED '' but nothing was sent to me showing how this was verified I sent over a copy of my ssn and Drivers lincense card to them and still nothing has happen and they have not verified to me how this info was verified I would like the incorrect info off of my credit report as this does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: TX

Complaint narrative:
XXXX   XXXX   XXXX  in  XXXX , North Carolina charged me for natural gas consumption in  XXXX   XXXX  for a volume that wa s 10 t imes what I consumed in the month prior. My natural gas consumption habit did not change from  XXXX  to  XXXX , although a modest increase could be expected to due to heating requirements. In fact, I vacated the premises on  XXXX   XXXX , and the heating was turned off at that time. There was no justification for a ten-fold increase. I asked for a review of the account by  XXXX , and  XXXX  took no action. The debt was sold to FirstPoint Collection Resources of  XXXX , North Carolina. In  XXXX   XXXX  I received a letter that was dated  XXXX   XXXX ,  XXXX . I believe the letter was pre-dated in order to eliminate possibility that I could challenge it in the time frame allowed by law. This is a fraudulent bill, and it appears to be a predatory business practice of  XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My bank is not reporting my account information t o my payday loan  company called   XXXX   XXXX   in a timely manner

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 2017-06-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: PHH Mortgage Services Corporation
State: PA

Complaint narrative:
We began the refinance process with PHH Mortgage in 2011. Over the course of 6 months PHH continuously stalled the process. An employee with PHH consistently failed to inform me that she did not have the required documents from the bank and when she did tell me it was too late to get the documents before the fixed rate offer expired. It was clear to me that the company was stalling so that I missed the date. After 5 months of their stalling, the told me the only way that I could get the original rate was to pay an extra point, which amounted to {$2300.00}. When I complained, the sent me an apology and a {$500.00} refund. I would like the remaining {$1800.00} dollars and I have documentation showing the delays were caused by PHH. Additionally, I was told by someone at PHH that my service rep had left the company and that is why the process did not work for me. In my opinion, PHH Mortgage intentionally delayed processing my paperwork and incorrectly blamed the delay on my bank in an effort to charge me more points. I believe that they did this because interest rates rose sharply immediately after I started the process but after I had locked in my rate.

Company response to consumer: Closed with explanation