vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 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: UT

Complaint narrative:
Im writing this on behalf of my minor child. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.

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 2018-02-07 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Im writing this on behalf of my minor child. Last year I received a letter from the state of Utah saying that there had been a breech and my sons social security number had been compromised. I also got a letter stating someone was using his number because there were reported wages coming back associates to it. At the time he was XXXX and was not then nor has ever had any kind of employment that would reflect earnings. I have attempted to request his credit report from all 3 reporting bureaus so I can see if someone is trying to use his credit as well and if not then to lock his file out so no one can use it. The state of Utah has been of no assistance whatsoever in resolving this. None of the credit bureaus will supply me a copy of his report because he is under XXXX. The instructions for getting one advised me to file a complaint on this site as the initial step. I have now done that as well as mailed all requested documents into each agency individually.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Due to a previous issues that occurred with XXXX fraudulently debiting my XXXX XXXX XXXX count multiple times creating a cascading problem with other creditors.. 

Ultimately, XXXX XXXX XXXX absorbed these charges, fines, fees ... etc, however this matter with XXXX XXXX and XXXX XXXX XXXX  have been left without resolution. I'm asking that this matter be rectified with the same resolution earlier applied.. 

XXXX XXXX transgressions should be settled with XXXX, as was previously done and left out of this agreement with previous complaint.

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 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
When I took out the home loan, I had to have a PMI. Now after renovations and home value appreciation, I have almost 30 % equity on my home. But loan servicer is refusing to remove the Private Mortgage Insurance.  Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I applied to Quicken Loans for a refinance, combining a 1st and 2nd mortgage in XX/XX/XXXX Although I found the process extremely invasive, at first everything went smoothly due to my excellent credit. I was offered a conventional loan which I found acceptable. 
After about 6 weeks, my closing was scheduled on XX/XX/XXXX However, IMMEDIATELY after closing was scheduled, a judgement " suddenly '' appeared against my ex-wife. I had been divorced for 4 years at this point. 
I had submitted a Divorce Decree, and a notarized Quit Claim Deed to Quicken, which clearly removed my ex-wife from all claims to the property. None of this was honored. 
I believe that Quicken knew about this judgement, and colluded with my 2nd lien holder to make it appear, so that I would be pressured in to financing it. 
Quicken then made an offer which required me to pay for my ex-wife 's judgement at closing. I rejected this offer, expressed my extreme distrust, and indicated that I was done with Quicken.

In spite of my rejection of them, and expression of distrust, Quicken then offered me another product, an FHA loan, which was completely unacceptable, and which I outright rejected. 
So, after a mysterious judgement suddenly appearing, and my subsequent rejection of Quickens offers, they send me a letter saying that I was " Denied '' financing due to my credit. 
I rejected them, repeatedly, yet they are reporting that they denied me! Furthermore, they said that they would not report this to any Credit Bureau! 
How is this possible? How are they able to lie like this? 
I have entire email streams that prove they were consistently trying to finance me, and that prove that I flatly rejected them. At the time that they created this fiction, my credit score was XXXX. 
My complaint is that Quicken has lied about the nature of the refinance not happening, and that they knew about a pending judgement, but hoped to use it to their advantage. 
I've attached documents which prove that they created a false pretense for the refi not happening

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
XX/XX/17, Golden One Credit Union notified me via an email Alert ( below ). I said the charge wasn't mine, but was told charge went thru a 2nd time and had been approved by XXXX for {$360.00} : ALERT FOR CARD ENDING IN XXXX XXXX Transaction details Your Golden 1 Credit Union VISA card was recently declined for a transaction. If you did not make this transaction or have questions, please contact us at XXXX. 

Transaction Details : Transaction Amount/Currency : XXXX USD Merchant Name : XXXX Merchant Location : XXXX, US Merchant Category : Discount Stores

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 2018-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: American Preferred Lending
State: CA

Complaint narrative:
On XX/XX/2016 we closed on a loan with Pure Mortgage and they did not include a final CD with the loan docs and all docs were stamped and pre dated. 
Pure mortgage told me to back date the CD and I told them I could not do that and they forged my signature on the CD so they can sell the loan to XXXX. 
The CEO XXXX XXXX acknowledged that someone forged our signatures and offer to remedy it by firing the person who forged our signature. After I asked for them to run the final CD it showed they were out of compliance and owed me a tolerance cure of {$3100.00} and they stopped payment on the check. 
They also increased our income amount on the loan application. 
Fraud was done in order to complete our loan and the company did not stop there as they forged our signatures on valuable loan documents in order to get a $ XXXX loan sold and they also admitted to that via phone. They did a lot of things that were un ethical and I am attached the supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: IL

Complaint narrative:
I have received several calls and voicemails from a robocaller claiming to be XXXX. The voicemails do not indicate a connection to any medical service I have ever used. Additionally I have no outstanding medical bills and thus none which should be in collections. The calls and voicemails seem to be a scam trying to gain personal information. According to other reports online of the phone number others also believe XXXX to be a phishing scam. For these reasons I have not answered the calls or spoken with XXXX   directly. I have blocked the number but the same robocall voicemail keeps being left.

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 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
I HAVE RECEIVED AN APPROVAL FOR A FORBEARANCE AGREEMENT ON XX/XX/XXXX STATING THAT I WAS APPROVED FOR A PAYMENT OF {$0.00} FROM XX/XX/XXXX THROUGH XX/XX/XXXX. NO DOCUMENT NEEDS TO BE SIGNED OR CALLED ON, ONLY IF I HAVE QUESTIONS WHICH STATES ON PAGE 1 OF 4. I AM COMPLYING WITH SETERUS REQUEST AND THEY STILL SOLD MY HOME ON XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Wrong address and also l stating I have an open collection

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 2018-02-07 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: ERC
State: TX

Complaint narrative:
I have a collection on my XXXX credit report from XXXX XXXX. I previously had XXXX for my TV and internet service. Upon cancelling my service I returned all equipment and paid account in full. The collection on my credit report is not accurate and should be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I sent a dispute letter in XX/XX/XXXX requesting them to send all future communications via mail. I advised them any attempt to call me would be considered harassment. 
They sent me a letter dated XX/XX/XXXX in response to my dispute, and advising me that they completed the investigation. 
I received a call on XX/XX/XXXX @ XXXX XXXX requesting payment on this account. I asked the caller if she received my dispute letter, she said no, which is false. I also advised that I had proof they received the letter and that I had asked that all correspondence be sent via mail. The caller hung up on me. 

The letter I sent also asked for a 30 day period to investigate this information, during which all collection activity must cease and desist. This constitutes harrasment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Ive been having trouble with Wells Fargo Dealer services, since 2013. I paid this loan off and they put on my report as a charge off and then for the past 5 years, Ive been trying to pay the amount they say I owed " {$310.00} '' and they wouldn't ever let me pay it. After years ans year of calling the customer services I finally talk to someone that wanted to help me, because they have my title and the lady on the phone says that they will send me a lien release and that the account is too old to pay. Its been very frustrating. I would like all of the Charge off and late pays removed from my file. I do have the lien realease and now I have to go request a new title and spend more time on this.This information is incorrect. 11- 30 day lates, 2- 60 days, 4- 90 days and 28 CO 's. I dont have a problem paying the {$310.00} they say I owe them. I want to get this resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America Account # XXXX In 2014 I opened an account with Bank of America because my Bank in XXXX  had no location here in XXXX. 

About 5 days later Bank of America closed my account and accused me of Check Fraud. I have not been able to open an account in 4 years. 

I have been with my Bank - XXXX for over 35 years and have never did anything fraudulent nor have I ever wrote any bad checks. 

Bank of America accuses me of writing checks to myself in an account that had no funds. This is not true. The bank has clearly over reacted. 

I wrote a check to CASH ... this is a normal process when wanting cash to yourself vs another person. I overdrew the accout by approximately {$7.00} or so. It's been 4 years so I can't remember exactly. But when I realized it I immediately put that money right back in the bank account to cover it. But the bank was quickly to close the account and accuse me of fraud. 

The bank could have talked to me about this before they made such a drastic decision. When they close the account within 5 days the bank owed me money I did not owe them any money. The account was overdrawn by few dollars only for about a day before I made a deposit to cover those few dollars. 

We are talking no more than {$10.00} or less. I would think if I wanted to write fake checks I would write them for larger amount not just a few dollars. 

The situation has preventing me from getting an account anywhere for 4 years now. XXXX wants to charge me {$450.00} to clear the situation up. But I am not paying them that for something I didn't do. 

I would like Bank of America to remove the consumer report and clear my records so I am allowed to get a bank account. 

Bank of America contacted me but letter in 2014 after the Consumer Financial Protection Bureau contacted them. However, I was never able to connect to the person named on the letter - I just kept getting voicemail after voicemail so I never was able to reach out to speak to a person at Bank of America.

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 2018-02-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a dispute to TransUnion in XX/XX/XXXX to dispute two accounts I did not recognize, they verified the account. I then sent in a 2nd dispute in XX/XX/XXXX, with information that the account validation showed different information that what was reported ( I provided proof in my complaint ). 

TransUnion stated the information was verified. I then called TransUnion in XX/XX/XXXX, they stated that they received no dispute from XX/XX/XXXX, I was advised to send it in again. I faxed the information again on XX/XX/XXXX. I called on XX/XX/XXXX they stated they did not receive the fax in XX/XX/XXXX but I received another credit report dated XX/XX/XXXX but the accounts have not updated. 

I called again today and they stated they did not receive a dispute in XX/XX/XXXX or XX/XX/XXXX. She stated a dispute was filed on XX/XX/XXXX ( I did not dispute anything over the phone ). I spoke with a supervisor, XXXX, and I was advised to contact your agency. 

I have written the creditors several times and XXXX keeps giving me different information that what was reported on my credit report. XXXX has not responded to my requests for validation. I'm so frustrated with these agencies, I'm trying to buy a house and I can't move forward with the process until these accounts are cleared.

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 2018-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I have contacted XXXX early XX/XX/XXXX, and have filed a complaint that the account does not belong to me. Nothing has been done to remove the account. Today XX/XX/XXXX have contacted the Department of Education, and Nelnet, the account servicer, and they have told me that they have no record of any kind associated with my social security. Nelnet did give me a website, https : //www.nslds.ed.gov. When I made contact they also could not find any account associated with my social security.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT BUREAU OF LEWISTON-CLARKSTON, INC
State: WA

Complaint narrative:
I have been in contact with this company on a regular basis and have been making regular payments.Yet it is reported as past due/unpaid?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I recently moved from XXXX  to XXXX for work and listed my house for sale. I owe about $ 250K to Chase. It seems the house is worth less and I applied for assistance in XX/XX/XXXX. In the interim we received a qualified offer at $ XXXX. After much aggravation, Chase declined this short sale because my loan is not delinquent. I am no longer able to pay the mortgage and my new rent, and Chase seems more willing to drive me into foreclosure than accept this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
On XX/XX/2017 a wire transfer for XXXX was generated by XXXX XXXX XXXX with destination to Coinbase ( XXXX XXXX XXXX  ). The name on the account in Coinbase was wrong. Coinbase said it would take no more than 10 business days for the wire to be refunded. after the 10 days the XXXX XXXX Customer did not get the XXXX deposited to her account. She proceeded with a attempt to recall the wire. XXXX XXXX has sent a total of 5 notifications to request the wire to be returned. XXXX XXXX XXXX has not responded to them. XXXX XXXX XXXX has acknowledge that they have the money but have not retuned the XXXX. they do not have a well established customer support and all communication is inefficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Service Company, INC
State: TX

Complaint narrative:
I have contacted Credit Service company by phone and certified mail at the given address of XXXX. XXXX  XXXX XXXX XXXX, CO XXXX to have the debt validate with the actual contract that I have signed obligating me to this debt with no response and they continue to report me to XXXX the legal time limit for a company to respond is 30 days and they have exceeded that time

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 2018-02-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
On XX/XX/2009 I got behind on my payments at which time I contacted my mortgage company, which was XXXX. I requested a modification. I filled out the necessary paperwork and did receive the modification. However, I feel that the modification was not a way to help me but for my mortgage company to get more money in the long run from my misfortune. I feel this action is reflective of predatory lending and that I, being a senior citizen, have been taken advantage of. Due to time constraints, facing foreclosure, the mortgage company extended my loan to a 40 year long and attached a {$44000.00}. lien. Now, years 1-5 at a payment of {$1500.00} I paid {$95000.00}. Year 6 I paid {$21000.00}, year 7 I paid {$23000.00}, year 8 to date I paid {$17000.00}. This is a total of {$150000.00} give or take a few small adjustments. Now having said that I am not even close in time to where I started at when I recd this modification. I still owe 32 years and 4 months at {$2200.00} per month. I am now XXXX years old. At time of maturity I will be XXXX years old and I will have paid back {>= $1,000,000}. All for a {$350000.00}. loan and for a house that is now worth approximately {$280000.00}. I would say I am stuck. The principal balance still remains at {$320000.00} after paying for 8 years and 8 months the sum of {$150000.00}. I have contacted Nationstar and ask for a breakdown of the {$44000.00}. and have not recd that breakdown. At this point I would love to get out from under this nightmare but as you can see I am pretty much stuck. I am requesting an adjustment of the {$44000.00}. Nationstar has already more than tripled their profit and I am drowning. Please help me with this issue and I am not getting younger and this is affecting my health. Thank you for your help.

Company response to consumer: Closed with explanation