vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: CA

Complaint narrative:
I found out recently my loan was behind and I had a new Mortgage company Selene Finance ( They had acquired the loan from XXXX ) Last week of XXXX. I was informed loan payment had not been received in over 12 months I have proof this is wrong that at least 4 payments were made and the rest was an accounting error by my accountant. I called and spoke to XXXX XXXX told me amount behind was XXXX. They would not take a good faith payment from me as the loan was in foreclosure but would have a reinstatement quote ready for me by the XXXX at XXXX XXXX. I called at XXXX XXXX they did not have it I called back every day several time a day. ON the XX/XX/XXXX XXXX said they could not give me information, XXXX told me it would be another day I had to beg to get the amount owed I was seriously getting the run around till a lady ( an XXXX ) name XXXX was able to give the amount and where to send it to. By this time the amount past due was XXXX before the lawyer fees .The total now XXXX. I wire transfected this amount to XXXXXXXX XXXX the next day XXXX XXXX XXXX XXXX XXXX New York Acc XXXX. 
XXXX claims they do not have the money. The money left my account and went into account provided by Selene finance I called Thursday and Friday and they still could not locate it .I sent the copy of wire transfer to XXXX She is the ONLY person who has responded. Today the XXXX i received letters fro the title company that the loan was still behind and could be sold at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PREFERRED CREDIT INC
State: CO

Complaint narrative:
Not sure what this is it, reports on my credit as a loan which I never took or received. 

Preferred credit secured loan pob XXXX XXXX XXXX mn, XXXX ( XXXX XXXX XXXX total XXXX chargeoff

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: HONOR FINANCE, LLC
State: CT

Complaint narrative:
the car was taken away because of limit information when purchase from the dealer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing, its crooked lawyer XXXX XXXX intentionally failed to respond to my request for loss mitigation options to avoid fraudulent trustee sale. XXXX XXXX assisted troubled Ocwen with financial white collar crimes so that troubled pretender lender loan servicer could embezzle my property temporarily increasing its revenue. Since XXXX XXXX avoided my request for loss mitigation options and assisted troubled fraudulent Ocwen with white collar financial crimes slandering my title all over again recording another fraudulent notice of trustee sale I am left with no choice other then to litigate my matter in chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
the car was taken away because of limit information when purchase from the dealer

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CT

Complaint narrative:
the car was taken away because of limit information when purchase from the dealer

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
As an XXXX XXXX XXXX XXXX XXXX I opened a XXXX 's Luxury Gold Card in XX/XX/XXXX as it offered a waived {$990.00} annual fee with 0 % APR for purchases, cash advances, and balance transfers month other annual gifts. The annual fee was advertised to be waived under the XXXX for the duration I was on XXXX XXXX which I remain. After about a year of having card, they notified all service members that they are changing policy where the {$990.00} annual fee will only be waived if you received the card prior to coming on XXXX XXXX. Now, service members are stuck with a card that they either have to close or pay an annual fee which was not what was originally agreed upon. Many feel this was a bait and switch. I'm very appreciative of the initial incentives and bonuses, but this does not sit well with me or many other service members. Barclays should have known better.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
credit was pull unlawfully

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
I ha e tried to call and inform individual that reported a debt on my credit report on a account and a amount that I did not owe, I went to court with a apartment complex in XX/XX/2016 and the company got a writ to possession of the unit and I payed the amount of {$1500.00} exactly in money orders to XXXX XXXX XXXX XXXX XXXX, then 1 year later I had a amount of {$4200.00} I called and told the rep that I did not owe the money and he told me I was going to pay if or else because he didn't care and was going to keep reporting it to my credit, when I informed him that I paid the company directly and they took it off my credit report so should he and he said no you broke the lease and then to.d me I was a loser and my credit will stay ruined because I broke the lease and we argued that I did not the apartment won dispute in court and not only did he not take it off he reported in on my XXXX  report 2 times so now he hurts me even more because it looks like I own {$8500.00} in debt I want this investigation to include having him confirm with original apartment complex that I paid them and they got possession of the apartment and to remove it from my file or I will have to hire a attorney to sue for damages.We I last filed this complaint I was told by the rep that the company trying to collect the money said he would send info to credit reporting agencies to remove the Duplicate reporting on my credit report and since he has not even done that so I would like to take advantage of any damaging issues this has cause by fair reporting act I have not yet been able to lease another place to provide a roof over my family 's head because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CT

Complaint narrative:
unlawfully add inquiry to my report and offending my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CT

Complaint narrative:
unlawfully add inquiry to my report and offending my score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
On XX/XX/XXXX I placed and order with walmart.com Order # XXXX the items show delivered on XX/XX/XXXX and left at the front door no signature just left not handed to a person but left. The other one shows delivered XX/XX/XXXX and left as well. The area is not the best area and Im not understanding why a package was left. I contacted walmart.com and they told me that they couldn't help me because the package states delivered. I asked why did the package not require signature they stated its up to them to decide if it needs a signature or not. I contacted XXXX XXXX XXXX to dispute the charge and they tell me since it shows delivered although the driver just left it the they can't credit dispute. So now I'm left with no product and a charge to my card that I'm supposed to pay with interest for items I didnt receive. Basically I feel like because I ordered from walmart.com with my walmart card they wouldn't decide in my favor any way because its the same company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
My mother has a mortgage with Fifth3rd bank since XX/XX/XXXX. At the time of closing on her new home she and my dad purchased Mortgage Protection Insurance. The insurance would pay off a mortgage at the time mortgagees passing. Fast forward almost 20 years later, XX/XX/XXXX, My dad XXXX. After everything settles we contact Fifth 3rd,  immediately get the runaround. After what seems to be a lifetime of transfers and dropped calls, we learned very quickly that no department communicates to the other. Our Initial question was how could we go about making a claim to have the mortgage paid off. We were told they no longer acknowledge that product and we should have been reimbursed. Our next question was when was she reimbursed and what was the amount. No answer was given. 

Out of frustration we asked the pay off on the mortgage we were told XXXX. We were floored my moms mortgage with XXXX? ... .when the purchase offer home was XXXX back in XX/XX/XXXX. Fifth3rd refuses to acknowledge that accounting error. After reading the message boards we realize accounting errors are a very common practice. We have submitted " QWRs '' with the hopes of them recognizing the accounting issue, to no avail. We even had a lawyer contact them, who has been totally ignored as well. 

The stress of it all has caused my XXXX to XXXX. To the point the that XXXX that I donated to her is now damaged. She is now XXXX  and is being considered for a XXXX. I just dont want my moms last days here, stressed of how to pay for what essentially could be two homes. How many others are dealing with this chaos.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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:
unlawful add inquiry to my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been disputing an account with XXXX, Equifax, and XXXX  asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. Transunion did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/2017. XXXX and Equifax are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have  attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, Equifax and XXXX has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. Equifax, XXXX, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CT

Complaint narrative:
unlawful add inquiry to my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CT

Complaint narrative:
unlawful add inquiry to my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: DISCOVER BANK
State: CT

Complaint narrative:
unlawfully add inquiry to my score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been disputing an account with XXXX, XXXX, and Experian asking them to sent me verification and the method investigation they use for a XXXX XXXX account ( XXXX ). I have been sending them letters stating that this account is inaccurate on my report and they should verify it. I also informed XXXX XXXX about them reporting an inaccurate account and sent them a validation letter. They sent me a letter asking me for more information because they either can't find me in the system or they are buying more time over the 30 day period.By law, it is the responsibility of the creditor to contact the credit bureaus to investigate and respond to a dispute from a consumer. It is NOT my job to do conduct any form of validation, verification, or any form of investigation process. I have been disputing with the bureaus for over 3 months. XXXX did reinvestigate and verified the account as inaccurate and removed it from my XXXX  credit report XX/XX/XXXX. Experian and XXXX are the two reporting agencies that still have not deleted the account. I have not received any form of verification from either of the two. I have attached supporting copies of dispute letters and return receipts to the bureaus as well as the debt verification letter to XXXX XXXX and their response letter. Again, XXXX and Experian has not verified or explained method of investigation for the account with XXXX XXXX and XXXX XXXX has not responded to my debt validation. According to FCRA 611 ( 15 USC 1681 ), it states that if the " completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. '' The FCRA also states that upon any company receiving a validation letter, they are to cease from all collection efforts and delete the account from my credit files until they can validate this debt. XXXX, Experian, and XXXX XXXX have failed to prove that I am responsible for this debt. Please help me remove this account from my credit report because they have no proof that I am responsible and have not sent any written documentation of evidence of a contractual agreement, or sent any method of verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CT

Complaint narrative:
unlawfully add inquiry to my score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: CT

Complaint narrative:
unlawfully add inquiry to my score

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
Unauthorized credit Inquiries on XXXX credit report a hard inquiry Institution Information WF CRD SVC XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX My information was compromised from XXXX   data hack. Someone was using my information identity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: WI

Complaint narrative:
I have repeatedly contacted Ability Recovery Services asking for validation of a debt that is listed on my credit report. I first contacted them back in XX/XX/XXXX for a validation of debt and I never received anything from them other than an update on my credit report saying the debt was verified and accurate. My second request was sent XX/XX/XXXX asking for validation once again, nothing was ever sent besides another updated credit report saying verified as accurate. They never sent me the proof of validation I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Unauthorized credit Inquiries listed on XXXX credit report I was a victim of identity theft due to the XXXX data hack. Someone else was using my information. Identity theft.

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