vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-20 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: TX

Complaint narrative:
I sent TransUnion a letter on  XXXX / XXXX / XXXX  in regards to unauthorized inquiries being reported to my credit report. I 've advised them that I did not authorize these inquiries and to review and delete. Today I 've received a response in regards to my dispute letter from them dated  XXXX / XXXX / XXXX . They 've refused to investigate and delete these inquiries. A valid dispute should be reviewed in 30 days but I 'm almost positive they did not come up with a valid resolution for this dispute because they came up with a resolution  XXXX  days letter. There was clearly assumption from TransUnion that these inquires were unauthorized, with no investigation or proof. What they stated in the letter was " The inquiries listed on your credit report are a record of the companies that obtained your credit information. All inquiries remain on your credit report for  XXXX  years. '' As you probably know,  Credit Reporting  Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting  Act15 USC 1681n  ( a ) (  1  ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization.     The following unauthorized inquiries are as follows : -  XXXX ,  XXXX   XXXX ,  XXXX  -    XXXX   XXXX   ,  XXXX   XXXX ,  XXXX  -  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  -  XXXX   XXXX ,  XXXX   XXXX ,  XXXX  -  XXXX ,  XXXX   XXXX ,  XXXX  -   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX  -   XXXX   XXXX  ,  XXXX   XXXX ,  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XXXX    XXXX   XXXX  purchased brand new with financing total came to {$29000.00}. I paid over  25  payments at {$670.00} and I had  3  deferred payments totaling  6  payments transferred to end of loan. Last year my car was hit and considered total loss, I had GAP insurance that paid {$5500.00} and my insurance made 2 payments of {$2300.00} + {$8200.00}. The finance company is saying I have a balance of {$9400.00} and it 's actually showing more than that because they are adding interest to it due to me not being able to financially make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have been disputing this entry from   XXXX   XXXX   several times and the  3  bureaus keeping saying that after their investigation they show thin information is correct

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 2017-05-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
i have been disputing this entry from   XXXX   XXXX   several times and the 3 bureaus keeping saying that after their investigation they show thin information is correct

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar our Lender is denying us a new modification, or Reinstating the Current Mortgage, due to delay in mortgage monthly payments. Our House had Water Damage on XX/XX/XXXX, which the Insurance Co. XXXX XXXX Declined to cover. I contacted Nationstar that same month, and in 2 Registered Letters, I explained in details the situation, and asked for a delay in Mortgage monthly payments for 6-9 months to repair the Ceilings, walls, Insulation, and a new air- conditioning. my Wife lost her job, and my only Income was my XXXX Monthly Income, and XXXX of XXXX for each of my XXXX kids. The Water Damage triggered other Hardships, like borrowing money from Relatives, Medical bills, and repeated repairs to old cars. I lost my Business due to XXXX XXXX and XXXX XXXX, I was given the Current Mortgage, which I was paying on time for 5 years, together with Chapter XXXX Bankruptcy which completed in payments XX/XX/XXXX. According to The Lender 's Loan Overview I Owe {$22000.00} which I ca n't pay to Reinstate the Mortgage, The House has estimated Equity of {$72000.00}, and the Unpaid Principal is {$210000.00}. The solution is simple, Nationstar could add what I owe to the Principal, and adjust my monthly payment, since my wife is working again, or what would be great to deducted from the House equity, and send me the Other {$50000.00} to start a badly need renovation. We ca n't move, because my Wife would lose her job, since it took her 10 years to find a job she likes, Second Renting is expensive, and our Credit Score still shows our Business bankruptcy. The Simple Question is Why These Financial Institutions, decline to help People like me who were Victims of Natural Disasters, When They were helped by The Government??????????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
A  Student Loan Company  claims that I am owing $  XXXX  for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

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 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

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 2017-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: NC

Complaint narrative:
I have a a unverified account from  TRIDENT ASSET MANAGEMENT  #  XXXX . I have never done business with  TRIDENT ASSET MANAGEMENT.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g , I dispute the validity of the debt purport I owe. I request that  TRIDENT ASSET MANAGEMENT Pr ovide verification of the following  : 1. )  The original Application or contract ;  2. )  Any and all statements allegedly related to this debt ;  3.  ) Any and all signed receipts ;  4.  ) Any and all canceled checks  ; 5.  ) Original date of default and collection activity begin  6.  ). Whether you purchased the debt, and if so, the amount paid for the debt  7.  ) The date  ( s ) t he debt allegedly accrued ;  8 . ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that  TRIDENT ASSET MANAGEMENT Ce ase and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: K. HOVNANIAN AMERICAN MORTGAGE, LLC
State: NJ

Complaint narrative:
Denial of F HA Jumbo Loan  and non-return of home deposit.     We have been proactive in pursuit of a refund since  XXXX / XXXX / 17 . FHA  Jumbo Loan Denied w  ith Hovnanian Homes due to loss of employmen t on  XXXX / XXXX / 2017 . Provided letter of separation from  XXXX   XXXX  to  Hovnanian Home M ortgage Department. A letter of denial of mortgage was issued  XXXX / XXXX / 17 . Called and spoke to  XXXX   XXXX   XXXX  estate agent/Broke r for Hovnanian Homes o n  XXXX / XXXX / 17  regarding job loss and refund.There was no follow- up via email or call to when the home deposit ( time- line ) will be mailed to us by  XXXX   XXXX   XXXX   XXXX  further escalated our complaint to  XXXX   XXXX   XXXX  several times via email. The response and result from  XXXX   XXXX   XXXX  was no response to time-line when the refund will be issued. The deposit was {$6000.00} toward a new construction town-home in  XXXX , New Jersey provided the approval of  FHA Jumbo  loan.  XXXX   XXXX  applicant and  XXXX   XXXX   co-applicant. Please investigate why there is a lack transparency with the refund and why there is a delay with the status of our refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I asked XXXX XXXX not to call my phone they said I owed {$740.00} and I asked Portfolio recoverys to write me only letters they say that I owed {$400.00} in XXXX XXXX as well as XXXX XXXX saying i owe {$130.00} in a small loan, I asked all three companies not to call my job or my moms phone and my dad '' s phone, I also asked them not to call my job or my mom and dad '' s phone but they did anyway they also called me at XXXX,XXXX,XXXX, XXXX XXXX,XXXX,XXXX, XXXX XXXX XXXX I asked them to call me at a certain time but they still call me at different times..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
Wells Fargo turn ed a mortgage modification into a nightmare. They lied, misled and hid information that would have helped with a HAMP/HARP modification . Wells Fargo put us into a 3 month trial period program at half our mortgage amount. This gave us hope, even after three months of paying we received a congratulations letter saying we were accepeted into the program and to expect the paperwork in the mail. A month later I called and asked where the paperwork was and WFHM said to keep sending that lower amount. Ten months later they sent a letter saying I was out of the program because the investors did not want to do the deal. When I asked what I should do they had me complete another loan modification HARP/HAMP application. Then two months later, they said I was out of the running because I did not send the proper documentation, after saying  I no longer needed to send said documentation every month. At that point, I stopped paying. A month later they started the foreclosure process and I got a ( bungling ) lawyer. Foreclosure was filed in  XXXX  of  XXXX . Then we were in courts and depositions, then bankruptcy, all to save the house. In  XXXX  of  XXXX  the bungling lawyer finally made his last mistake and everything ruled against me and my wife. Foreclosure was to proceed on  XXXX   XXXX ,  XXXX . We are now out of the house as of  XXXX   XXXX ,  XXXX . There are a great deal of additional details, but that is it in a nutshell.

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 2017-05-20 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I applied for a personal line of credit through  XXXX   XXXX   XXXX   XXXX  last week. Although I have had  XXXX  loans with  XXXX   XXXX  and only ha d 1 lat e payment, I was turn down for the loan.  XXXX , the loan officer, at the  XXXX  location explained that I had a " really low credit score ''. She also explained that they pulled reports from  XXXX  and Equifax. When I asked her what my score was, she said my Equifax score was a  XXXX . She said they relied more on Equifax because it was the most reliable. I was surprised as I had just pulled my credit reports the day before and my Equifax score was a  XXXX .   Today, I received a letter from  XXXX   XXXX  explaining why my loan application was turned down. It states that the decision was based on my credit scores from Equifax and  XXXX . It also states that my Equifax credit score is a  XXXX  ( please see attached ).   I called  XXXX   XXXX   XXXX  # to ask the loan dept. why was I told my Equifax credit score was a  XXXX  when their loan dept. letter to me states I have a  XXXX . When I spoke with the loan officer on the  XXXX  # she verified that it was my Equifax score and NOT my  XXXX  score that was showing a  XXXX .   I am very bothered and suspicious that I was turn down for a loan based on erroneous information. I want to know where  XXXX   XXXX  received the information that my score for Equifax is a  XXXX ? I want to know how many scores do I have with Equifax that i am getting different scores. We are talking about a  XXXX  point difference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PMAB,LLC
State: SC

Complaint narrative:
On  XXXX   XXXX ,  2017 , I submi tted a certified HIPAA validation letter to PMAB , LLC for an account that is still listed on my  XXXX  credit report in the amount of {$890.00}. My letter specifically requested for validation of the debt by providing me with something that shows my signature giving my permission to the medical facility/provider to release my information to a third party collection agency and received an itemized bill but nothing containing my signature. This is direct violation of many HIPAA laws and I am requesting to have this debt removed from my report because PMAB failed to provide validation of this debt. Also, the debt was previously removed from my   XXXX   XXXX   XXXX   report due to failure of this company providing validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I am in the process of obtaining a mortgage loan and am trying to remove 2 items with Barclay Bank that are reporting as delinquent, despite the fact that they have been paid in full since XX/XX/XXXX. I need to resolve this as quickly as possible as my closing date is set for XX/XX/XXXX and we need to lock my mortgage rate 15 days prior. I have been trying to resolve this issue for the past few months. I had 2 credit cards with Barclay Bank that went into delinquent status in XXXX and were turned over to debt collection agency XXXX XXXX XXXX. On XX/XX/XXXX I paid the full balance due on both accounts to XXXX and have a letter of receipt for both provided by XXXX. ( attached ) XX/XX/XXXX, I called XXXX to find out why it had n't reported to the credit bureaus and was told I would have to resolve this with Barclay bank directly. I was given very explicit instructions to speak with a supervisor to get this information. After several attempts, I was told there was nothing they could do that it was my responsibility to dispute it. My mortgage lender has been assisting in the process of getting this removed, speaking directly to Barclays with no result, working through their credit reporting company and has mailed dispute letters ( attached ) on my behalf to the credit bureaus. In a last ditch effort, today ( XX/XX/XXXX ) he mailed the letters and receipts to the credit bureaus after getting no result to date and suggested that I file a complaint with CFPB. Barclays has been unwilling to accept my authorization to reach out to the credit bureaus to update my information and has been unable to provide any help on this matter. Barclay has been unwilling to help resolve this matter and it is wrong. It has now been nearly three and a half months since I paid this debt. I need to get this removed as soon as possible so that my home loan can move through at a reasonable interest rate.

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 2017-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: AZ

Complaint narrative:
Was I suppose to receive the response from the company dated  XX/XX/XXXX ? I never received that response in the mail or by email or by Ditech website. I only just viewed it on this site today Complaint Numbered #  XXXX . My Internet access is spotty so I ca n't often retrieve information/emails/etc. Further, when I 've gone on th e Ditech website this response was not post there either. Thus, Ditech has initiated fore closure process with a firm called  XXXX   XXXX   XXXX . Attached is my response to a letter  XXXX   XXXX   XXXX  sent me on  XX/XX/XXXX . Could CFPB please inform Ditech,   XXXX   XXXX   XXXX   XXXX    XXXX  and/or any of their representatives that they must actually respond to the complainer and not only CFPB. Had I seen this response several months ago, I would have initiated action on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Recently while conducting a monitor of my credit report I discovered that OPTIMUM OUTCOMES #  XXXX  has furnished some items that have unverified information. I believe under  the Fair Debt Collections Practices Act , I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from OPTIMUM OUTCOMES but I am unaware of the amount due and your bill does not include a breakdown of any fees.   Additionally, I am allowed under the  HIPAA  law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT  OF 1996 ], to pr otect my privacy and medical records from third parties. I do not recall giving permission to    XXXX   XXXX   XXXX   XXXX   to  release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but it is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and  HIPAA  authorization.   1.Please provide breakdown of fees including any collection costs and medical charges  2.Provide a co py of my signature with the provider of service to release my medical information to you.    3.Cea   se any credit bureau reporting until debt has been validated by me.
4.Please send this   information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA.   Please note that falsification of the information you received from any medical provider can be percieved as a  HIPAA  compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt.   Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TENET HEALTHCARE CORPORATION
State: GA

Complaint narrative:
This creditor is asking for a debt in the amount of {$290.00}. This is not my debt, asking for this debt to be remove from all  XXXX  major credit bureaus.

Company response to consumer: Closed with explanation