vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-31 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:
Credit bureau still reporting an unverified collection account on my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
After looking over my credit report, I noticed that there was a listing on credit report for a company by the name of  XXXX   XXXX  ( on some credit report s )  & Planet Home Lending ( on others  ),  which ar e   one in   the same. I noticed that they have me opening a loan with them in  XXXX   XXXX , in which I have never opened a loan with them. My initial loan in  XXXX   XXXX , was with another company as shown through the recording information via verifiable proof on t he Hillsborough Clerk of Court  's website, where all recording for mortgages and the like are shown. I immediately contacted    XXXX   XXXX    /Planet Home Lending and s poke with  XXXX  and explained to him the problem. I have contacted several people since that time,  XXXX  who represented herself as the supervisor as well as advised her of the situation,  XXXX , and I finally got fed up and sent an email to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX  who is shown to be the President of   XXXX   XXXX  t/Planet Home Lending, with no response or acknowledgement. In the email I detailed my complaint as well as provided screenshots of their listing on each of my credit reports. Since I had n't received a response, I sent a follow up on  XXXX   XXXX ,  XXXX , still no response. Mind you, I was following up with customer service between these dates to see if maybe the email had been forwarded to another department to handle, but it had not been. I kept calling and spoke with  XXXX  again and explained this issue to her again, in which they are inaccurately reporting and explained I had not heard from their president in regardings to my issue. I forwared  XXXX  the email I sent to  XXXX   XXXX  at her request and she was to look into the issue and call me back. I learned after speaking with representative,  XXXX  today that per their credit department, they are accurately reporting and this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
here is an additional to my other case  XXXX . I received this letter yesterday from bank of America. They are doing exactly what they did to me the previous time so they wont give me the modification. Bank of America are a bunch of lairs and I am so sick of they saying I did n't follow up with their paper work. I submitted everything they requested  within 24hrs and I have the faxed confirmation to prove it.

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 2017-05-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit bureau still reporting an unverified collection account on my consumer credit 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 non-monetary relief
Consumer complaint received 2017-05-31 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: CA

Complaint narrative:
TransUnion is showing an account with  XXXX  #  XXXX  as being late. I have reported this particular  XXXX  acco unt to the police as I 'm not familiar with this account number and I suspect identity theft. At this time there is NO pending litigation in this matter. However, TransUnion is now in violation FCRA 605B states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft 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 2017-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Asset Management Outsourcing, Inc.
State: FL

Complaint narrative:
I spoke with a  XXXX . She claimed that this was a debt for  XXXX . I advised them that I did not know what this debt was. I did n't have an account number as I noticed it on my credit report and there was none. They asked for my social security number which they could not locate an account for me. I gave my phone number which they could not locate an account for me. They also could not locate me by my address. Finally she asked for the amount of the debt and to spell my name again. This is when she found the alleged debt. I asked them what they had to validate and they could only provide me with an address I have never lived at. An insurance company I never had. When I expressed my concern with them not having my social or anything to prove this was me. She became taunting and started rambling off all types of dates and times they allegedly contacted me. When I expressed that they had the wrong information she then became angry and laughed in a nasty way and told me that I was more than able to contact my insurance to find out what it is. I expressed again I did not have that insurance and she then told me that I could pay or have legal action taken against me. When I asked if she could send me what she did have or email that she did not have my social, etc. She became very angry and told me she would not be sending anything. I advised her that I had already disputed this alleged debt with all three Credit Bureaus and that it was updated but not verified and still remains. I have asked numerous times for them to provide proof and they have not and this is why I was calling them directly. I advised that if they could not provide with something to confirm this is my account to remove it and she said no. I then advised I would be filing a complaint with this forum and that the next step would be legal action. She advised me that I could do whatever I wanted and the only legal action would be against me and hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
Pulled my credit report this morning  XXXX / XXXX / 17  and saw a collection reported by this company  XXXX / XXXX / 2017 . I dont know who they and why they are reporting this to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
I informed the company that I filed bankruptcy on this debt. I was told that the debt would still be included on my credit report until they hear from my attorney saying that it was filed in the bankruptcy. I offered to give them my bankruptcy number the woman I spoke with told me she did n't need it she would deal with my attorney. My bankruptcy has now been XXXX but this collection account is still being reported on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
I had a {$4500.00} lim it on a Barclay 's Bank credit card and they capriciously lowered my limit {$500.00} with no notification. I was in the middle o f an important payment on  XXXX , which  was denied, throwing my accounting into chaos. They lowered my limit, then apparently used that reported event to lower my credit score, to justify lowering my credit limit in the first place. When I complained to Barclays, I was told that they can lower the credit card limit and do not have to notify me first.

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 2017-05-31 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: LEXISNEXIS
State: TX

Complaint narrative:
Applied for loan with  XXXX  and was denied due to the following reason : Unable to verify personal information or identity.   
The credit reporting agency is LexisNexis Risk Solution Bureau Consumer Inquiry D  epartment  XXXX .  XXXX   XXXX   XXXX , GA  XXXX  Toll free number  XXXX  I have never heard of this agency and can not get my report because they can not verify my identity. I do n't know where they get their information from but how do I get this corrected? I ca n't verify it is me according to them to fix the information that I am denied for. When I enter my ss to request report the recording tells me it is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have tried for over 5 years to have  XXXX  bankruptcys removed from my credit that do n't belong to me   XXXX    and   XXXX   took care of right away transunio n still nothing I evem went as far to sending them the cover page showing it was n't me that I got from court ho use. The funny thing is they removed that name several years ago from my bureau because it was n't me ..My name is  XXXX   XXXX  Not  XXXX   XXXX   wrong last n ame wrong first name Please Help  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 2017-05-31 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: VA

Complaint narrative:
I have repeatedly found on a consistent basis that TransUnion continually provides duplicate debt, exceptionally dated debt and just misinformation in general that ultimately pulls your credit report down. Trying to contact them results in more requests for information which ultimately means that the issue is never gets resolved.     I have filed bankruptcy and they are still reporting information that was included in the bankruptcy as owed. When it is clearly not based on federal statue.

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 2017-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I applied mortage  from Chase.  The loan number is ...  XXXX .    1. W hen I started my mortgage on  XXXX   XXXX . Nobody told me there is a risk that the credit report would expire on  XXXX  17. I asked  XXXX   XXXX . He told me just close before  XXXX   XXXX .  XXXX  informed me the credit report and additional cost on  XXXX  17.    2. Chase is  too slow. I followed up my loan processing almost every day. Usually, only 30 % emails were replied only if I cc to the supervisor.  XXXX  and  XXXX  could not get update then they just ignored my email. I have kept all the emails as proof. If  it Chase delayed my loan process, not me. For example, for the employment oral verification, after almost one month , I was told, they could not find the right number and email of the person in charge of this in my agency. We are   XXXX   XXXX  .  Chase  could not find it. Then I emailed to  XXXX  and  XXXX  and all the people involved in the loan application in Chase. But after 3 days, I received a call to ask me to verify my employment history for myself. I told her, I am the applicant. I can not verify for myself and told her the email again and again. After 2 days, I received the same call to verify the employment history for myself. then I told her again. It is so ridiculous. All these stupid things delayed my loan process. Another example, when I asked  XXXX  my loan process update.  XXXX  replies " is finishing up ''. Then the next day, I followed up, he replied '' once the underwriter has any update, I will notify me ''. Then the next day, I asked '' usua lly 24-48 hours, I estimate .... '' Then another day, I followed. He replied '' ... is the best estimate '' Then I wrote " please tell me the exact deadline. not estimate. Please do the multiple choice : a. is waiting for the review. b. is reviewing c. has finished. I am not a native speaker. I do n't understand what is " is finishing up ''. Do n't play words games with me. '' Even if my credit report expired. It was because Chase ignore d my loan. Sometimes, I emailed  10 times, no one re ply. I called  XXXX   10 times, no call back in 3 days. If Chase did n't refund { $2900.00}, I would sue in the court.   And all the emails are kept as records.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623, subsection ( 8 ) (  D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, secti on 623, subsection ( 7 ) ( A  ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.    1.   XXXX   XXXX  : This account I have never done business with this company error please delete.   2. XXXX  : This account has inaccurate info  629 vio lation please delete.    3.    XXXX   XXXX   : This is inaccurate in information no validation errors please delete.   4. XXXX  : This is not a valid account error. I do not recognize this company no proof of claim information please delete

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 2017-05-31 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: Seterus, Inc.
State: IA

Complaint narrative:
Mortgage provide r Seterus Date of last activity incorrect Balance reported {$160000.00} should be {$150000.00} Scheduled payment should have always been {$940.00} Amount past due of {$2800.00} should b e  XXXX  60 to 89 days past due, is incorrect. Everything paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 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: FL

Complaint narrative:
I had previously been told that Navient received a refund from XXXX University, after I stopped attending. When I called to follow up, I was told the representative who gave me that information was mistaken and no such refund was received. <P/>I requested a loan discharge on the basis of ineligibility to benefit and not being qualified as I did not have a high school diploma or GED at the time I enrolled in XXXX University ( I still have neither ). To work as a XXXX XXXX XXXX in Florida, I would need one or the other. I was not given an exam or test of any sort at any point by XXXX. I 've also faxed Navient my high school transcript, which shows I did not graduate, as well as confirmation that only half of the loan was actually dispersed, obtained directly from NSLDS. The rest clearly shows " amounts canceled '' and " amount dispersed ''. They do not equal up to the loan amount they 're saying I owe. They have the principal amount as {$4300.00}. The amount actually dispersed, as shown on nslds was only {$2600.00}. They requested I get a letter from the school stating I did n't have a diploma or GED. The school is closed and there is no way for me to get the proof they 've requested. When I asked them about this, I was told to contact the Florida Department of Education ombudsman. Due to the inaccuracy of the amounts dispersed, I was referred back to Navient. They are either unwilling or unable to assist me, as I was told they could n't see what was actually dispersed when I called on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
I am formally requesting for  Midland Funding  provide the following case #  XXXX  : The Stature of Limitations concerning the alleged debt, furthermore I want to request for the following verification : Any telephonic recorded conversations that you had with me to verify the alleged debt and any payments and payment method I used such as personal checks, debt card, or money orders I made to  Midland Funding, Inc.  These are the items needed to verify a debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
First. Nationstar is in the ACT of Dual-tracking, I attached the foreclosure petition by Nationstar attorneys.  Currently  nationstar has a complete modification pending, in fact I appeal their wrongful denial on  XX/XX/XXXX  and attached. I received no written response from nationstar but they received my appeal by fax email and mail. Attached is proof of the foreclosure petition filed and served and concluding nationstar in the ACT of wrong doing by  Dual-Tracking ( Filing  a foreclosure complaint while pending modification review ) I have always had a pending application with nationstar. See attached proof!  <P/><P/> This is my  2nd  complaint against Nationstar, I have been getting wrongfully denied HAMP FHA Partial claim/combo since early  XXXX . Just denial letter after denial, I attached my most recent appeal with proof from FHA mortgagee letter XX/XX/XXXX  and supplemental directive  XXXX .  <P/> My complaints involve Numb er 1 Dual-tracking and number 2 wrongful FHA HAMP  PARTIAL CLAIM  COMBO  DENIAL. IN FACT, NATIONSTAR HAS N'T REVIEW ME EVER FOR A PARTIAL WITH ALL THEIR DENIALS SINCE EARLY  XXXX . THIS IS HRRIBLE, I AM BEING DISCRIMINATED AND NOW THE LENDER IS DUAL-TRACKING TRYING TO ILLEGALLY FORECLOSE.  <P/>  XXXX FYI ATTACHED IS THE PROOF OF THE FORECLOSURE PETITION I WAS SERVED WITH A FEW DAYS AGO BY NATIONSTAR, IT PROVES THAT NATIONSTAR IS DUAL-TRACKING, SEE ATTACHED MY APPEAL SENT AND DATED  XX/XX/XXXX  CURRENTLY UNDER REVIEW WITH NATIONSTAR. THERE SHOULD NOT BE A FORECLOSURE PETITION BECAUSE I AM IN THE MIDDLE OF A LOAN MODIFICATION REVIEW AND DISPUTE. PLEASE PROVIDE CONSUMER PROTECTION DUE TO NATIONSTAR AND THEIR ATTORNEYS FRAUDELENTLY TRYING OBTAIN JUDGEMENT OT FORECLOSURE WHILE PENDING MODIFICATION REVIEW.  <P/> AGAIN, THERE SHOULD BE NO LEGAL ACTION STARTED BY NATIONSTAR CONSIDERING THE #  1  WRONGFUL DENIAL AND MOST IMPORTANTLY MY MORTGAGE ASSISTANCE APPLICATION IN REVIEW AND APPEAL IN DISPUTE WITH THE DENIALS. NATIONSTAR IS PURPOSELY DENYING ME ASSISTANCE AND SINCE  XX/XX/XXXX PER ATTACHED  XXXX , I AM ELIGIBLE FOR FHA HAMP PARTIAL CLAIM AND COMBO. AND THE BACK END RATIO DEBT TO INCOME OF 55 % WAS ELIMINATED SO HOMEOWNERS COULD QUALIFY EASIER FOR FHA  HAMP  PARTIAL CLAIM.  <P/> FINALLLY, THE DENIAL SINCE EARLY  XXXX  BY NATIONSTAR ARE FRAUD ACCORDING TO FHA  MORTGAGEE LETTER   XXXX , IN WHICH NATIONSTAR IS A PARTICIPATE. ALSO TAKE INTEREST TO BORROWER SOLICITATION IN WHICH NATIONSTAR IS IN VIOLATION AGAIN!!!

Company response to consumer: Closed with explanation