vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-15 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: Lendmark Financial Services
State: GA

Complaint narrative:
Lendmark Finan loaned money for a metal building I paid it off... there was confusion because they recorded it as 2 accounts.
Account XXXX and XXXX  
they reported it incorrectly. It is and was paid in full.. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/XXXX : I filed a dispute with all three credit agencies regarding a late charge that was reported as a result of charges accumulated from a stolen credit card.

XX/XX/XXXX : I am attempting to pre-qualify for a mortgage. XXXX can not pull my credit from Equifax as equifax is stating there is a fraudulent alert/freeze on my credit. I contacted Equifax where I was assured the alert would be lifted within 48 hours XX/XX/XXXX : XXXX still can not access my equifax report. I contacted equifax 4 additional times this day -- even conferencing in my mortgage loan officer. I verified my personal information and was also assured I did not have any type of block whatsoever on my file. On this same day, I attempt to obtain my free credit report from XXXX and equifax stated they will not provide it to me unless I resubmit multiple different forms of identification. This

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
We " had '' a repayment agreement with Wells Fargo. Unfortunately, our only vehicle was totaled. We do not live close to public transportation and even if so, it doesnt run during our working schedules.We struggled to get XX/XX/XXXX payments in by the end of the month. When I sent the a partial payment with a note and the remainder of the payment was in before XX/XX/XXXX as promised. 

I received a.letter from Wells Fargo stating that have still not applied and outstanding balance of {$730.00}, approximately, and I feel like their departments are not communicating with each other and WF now states they are moving forward with foreclosure. 

I have just returned to work and we have a chronically ill/suicidal daughter who meeds stability and a roof over her head. We just efiled our taxes and plan on using that refund to catch up on everything. We cant afford to lose our home even though we have had so many continuance bad luck with our circumstances and are just trying to catch a break. We will continue to send in XX/XX/XXXX agreed payment in full by the end of the month. I also just want to ensure the unapplied payment which should be included in the repayment agreement and WF is not double dipping and utilizing an automatic debit transaction to additionally pay this account. 

We just need a little more time. My daughters tax refund was deposited into her account within 2 weeks. We are hoping the same and we are willing to clear this up in full. 

Thank you for helping us save our home, which will ultimately save our daughter 's life.

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 2018-02-15 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: MONEY SOURCE, INC., THE
State: FL

Complaint narrative:
In XX/XX/XXXX when hurricane hit I opted for the 3 month forbearance. Was informed the payments would roll to end of loan and resume normal payments in XX/XX/XXXX. I called to make my payment in XX/XX/XXXX and was told that no that's not an option I had to pay amount in full. When I agreed that that wasn't agreement the stated I had to go through loss litigation now to fix this problem. I was told that it wouldn't be reported to my credit. Well it was. I have called and emailed and every time I get a different answer or no response. I also called to make a payment and they refused to take my payment. I have multiple hours of phone calls and emails begging to get this resolved. I have sold this home and now can't get a mortgage due to this. I have been told per The money source that they have multiple people with the same problem. I have also been told due to fact I have FHA mortgage that the payments can't be added to end. I am at a loss with this company and how to fix this problem and remove this from my credit. It shows 90-120 late with disaster forbearance yet no payments behind. I was told to contact you since I am getting no where with this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF THE COLLECTION ACCOUNT. TOO MANY INQUIRIES NO KNOWLEDGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
About one month ago Capital One Investing announced that all its customers ' brokerage accounts would be automatically moved to XXXX   " later this year '' without any other options offered to customers. My wife and I both had Roth IRAs with Capital One Investing and did not want our accounts moved to XXXX. We elected instead to transfer our accounts to a different Bank/Brokerage Firm more to our liking. My wife and I were both charged standard {$75.00} " Transfer Out '' Fees ( {$150.00} total ) by Capital One Investing, which was very unfair since the only reason we elected to transfer our accounts was that we didn't want them automatically moved to XXXX. Capital One Investing said the fee is a standard fee and would not issue a refund, however, it's not standard or fair to tell your customers that all accounts will be moved to XXXX   and then provide no other options for customers who are not pleased with the transition. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: NJ

Complaint narrative:
XXXX XXXX XXXX claims I own them {$1000.00} but it's fraudlant they told me if I can prove I never owned a XXXX XXXX account that they would delete this because that's where the payments were being made from I have all the proof and a police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: NJ

Complaint narrative:
XXXX XXXX XXXX claims I own them {$1000.00} but it's fraudlant they told me if I can prove I never owned a XXXX XXXX account that they would delete this because that's where the payments were being made from I have all the proof and a police 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 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they hae on file for me. There are 3 different accounts ( XX/XX/XXXX for {$1700.00}, XX/XX/XXXX for {$1400.00} and XX/XX/XXXX for {$410.00} ) they supposedly have on file for me. They keep calling and reporting false information to my credit file. They have not sent are VALIDATION to me and instead sent a letter that they have VERIFIED that I have dept with them. Two of the 3 accounts are listed on my credit file and I am not even responsible for debt even dated back that late in time. I would appreciate if they would cease trying to collect falsified debt from me and remove those false accounts they say I have with them from my credit file. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile.

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I received a letter dated XX/XX/XXXX from XXXX XXXX , XXXX about an unpaid debt of {$1800.00} I supposedly owed to XXXX XXXX in XXXX. I called XXXX and said this was not my debt. They said they would report it as fraud. On XX/XX/XXXX I received another letter on this matter from Jefferson Capital Systems, supposedly the current debt collection agency. I was told this debt went back to XX/XX/XXXX. I was directed to several alternate numbers in their company and no one could give me any further information on it. I did learn the address for the service was at XXXX XXXX XXXX, XXXX, MI. I told them I had never lived there and in fact have never even been to XXXX! I am a resident of XXXX  and have lived here continually since XX/XX/XXXX. Prior to that I was a resident of XXXX. I also tried to call XXXX directly but got no where. I am a member of XXXX and I contact them. They requested I call XXXX XXXX again to find out what information was used to open the account. The closed account department said their records did not go back to XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Long & Foster Financial Services, Inc.
State: MD

Complaint narrative:
I have tried numerous times contacting XXXX XXXX XXXX in trying to resolve a fraudulent credit pull from their company. I have spoken to several different departments within the company and they either have " no record of my name in their database '' or are unable to help me. This was pulled on XX/XX/2017. After calling their company several times, as well as calling the XXXX number, and filing a report on XXXX 's website, 9 months later and I am still unable to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
I have been trying to get in contact with Mr. Cooper for mortgage assistance and have never been able to obtain the help I needed from them. When I was injured on the job, we tried to make things work with what I was given on workers comp but I was initially given a loan with Mr. Cooper with too high of an interest rate. This left us with a monthly payment that was impossible to afford.

Once we were a little behind, it snowballed. Every statement showed more added fees, and no one would explain them to me when I called. We were switched around constantly between agents. No one would give us a straight answer. They asked for paperwork that we sent over and over due to them not receiving it. We have met deadlines and followed instructions, but Mr. Cooper continues to deny our file and threaten us with foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
In XX/XX/XXXX, I took out a mortgage with XXXX XXXX XXXX XXXX. for the amount {$410000.00}. I defaulted on my mortgage because I could not keep up with the increasing mortgage payments. On XX/XX/XXXX, there was a assignment of mortgage filed with XXXX County Clerks office. The assignment of mortgage assigned the mortgage from XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX XXXX XXXX  XXXX. A New York XXXX XXXX XXXX XXXX XXXX XXXX . On XX/XX/XXXX XXXX XXXX XXXX XXXX stated a foreclosure action against me for the amount of {$450000.00} which is about {$41000.00} more from the original mortgage two years earlier. How is it possible that I am owing more than the original loan amount. I was making payments 1 year prior to defaulting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Upon review of my recent mortgage statement, the loan balance has reached 75 % of the appraised value of my home at the time of purchase, yet PMI was not automatically canceled at 78 % as required by the Homeowners Protection Act. The mortgage statement indicates ongoing payments toward PMI. The appraised value of my home is {$120000.00} ; the loan balance is {$90000.00} ; the debt to appraised home value is 75.4 %. Twelve or more excess PMI payments have been paid since the home value reached the prescribed cutoff threshold of {$93000.00}.

Rather than contact the loan servicer ( Chase Bank ) on this matter, I am reporting this directly to the Bureau for a more detailed review. In my opinion, there is a high probability that this is a systematic problem rather than an individualized one and many, many consumers could potentially benefit from an in-depth review of these billing practices.

My mortgage statement does not show the original appraised value at the time of purchase. Without this information, the casual consumer, such as I have been, could easily and blithely continue paying unnecessary PMI until the Chase system flagged it for automatic termination.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: GA

Complaint narrative:
XXXX  is reporting a Public Record that do not belong to me. I have made many attempts to get this situation rectified. I need your help in getting this Public Record removed from my credit profile. 

Also, there the XXXX XXXX XXXX address do not now nor in the past belong to me. Please remove this address from my credit profile.

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 2018-02-15 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: NC

Complaint narrative:
All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX  and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on 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 2018-02-15 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: NC

Complaint narrative:
All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 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: NC

Complaint narrative:
All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX  and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its on 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 2018-02-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc
State: TX

Complaint narrative:
TRANSFINANCIAL AND XXXX will not remove a paid debt that on my credit report.

I have the letter from Transfinancial saying its paid in full. They promised to delete it off my account once it was paid. But until now my XXXX account says I owe. ( {$810.00} ) medical bill.

I am a VETERAN and I don't appreciate the treatment I am receiving. I used my hard earned TAX RETURN just to pay it off.

PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened this account on XX/XX/XXXX with the expectation of receiving a {$200.00} new account bonus.

The requirements were : -You must be a new BBVA Compass consumer checking customer who has not had a BBVA Compass consumer checking account open within the last 90 days or closed due to negative balance to be eligible for the bonus.

-Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

-The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited.

On XX/XX/XXXX I received an direct deposit from my employer in my BBVA account in the amount of {$300.00} meeting the terms of this new account bonus. It has now been many more than 60 days, but my new account bonus has not posted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
RE : URGENT ATTENTION FORMAL COMPLAINT AGAINST SWBC, SPECIFICALLY LOSS MITIGATION FALSE STATEMENTS AND WILLFULL DENIAL OF PREVIOUS CLAIMED RECEIVED DOCUMENTS TAKING EXPEDIENT ACTIONS TO FORECLOSE ON MY HOME QUALIFIED WRITTEN REQUEST, ERRORS NOTIFICATION AND REQUESTING PULL ALL CALLS ( CALLS ARE RECORDED FOR QUALITY ASSURANCE ) MADE BY BORROWER TO SWBC TO VERIFY CLAIMS NOTED IN THIS FORMAL COMPLAINT To All Parties Listed Above : I am  submitting this formal complaint after receiving the devastating news today from SWBC Loss Mitigation, that my Loss Mitigation file was closed on XX/XX/2018 and my home is in Active Foreclosure Status with a law firm to sell me home, based on the blatantly false statements that I did not respond to their written communication and that I did not submit requested additional documents. I received a Letter that is attached that falsely has written that two letters were written to me, the dates of the letters are not provided in the letter, and that I did not submit the additional documents, and therefore SWBC would be unable to complete my application and evaluate it for any HomeOwners Assistance Programs. 
I HAVE MADE IT ABUNDANTLY CLEAR BOTH VERBALLY AND IN WRITING THAT MY INTENT, GOAL AND EXPECTED RESULT IS TO KEEP MY HOME VIA A LOAN MODIFICATION APPROVAL FROM SWBC MORTGAGE. I AM A VETERAN AND I WORKED HARD ALL OF MY LIFE TO OBTAIN THE AMERICAN DREAM, AND A MEDICAL EMERGENCY CAUSED MY HARDSHIP AND SWBC 'S ACTIONS ARE CAUSING BARELY HEALED HEALTH ISSUES TO NOW CAUSE ME MORE PROBLEMS!!!

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 2018-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: MI

Complaint narrative:
I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.

Company response to consumer: Closed with non-monetary relief