vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-27 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was a victim of identity theft 2 years ago. I sent 3 certified letters to XXXX requesting that they validate several items on my report and send me either a contract or something showing that these were my charges. After 3 attempts, they never produced the documents and this is unfair to me as a consumer. They also had an address in a state where I never lived. The below accounts were never validated. They sent me a letter stating that they validated the accounts but failed to provide me with anything. This is a direct violation of the FCRA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was also a XXXX  account that was opened in another state that they did remove but not the inquiry.

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 2017-11-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Forthright Funding Corporation
State: WI

Complaint narrative:
We have repeatedly received letters in the mail from Forthright Funding, trying to get us to re-finance our VA home loan. We know it is most likely a scam, and too good to be true, plus our current rate is already lower than what they are offering anyways. I have requested multiple times to be removed from mailing lists and they just hang up the phone on me. I have also filed a complaint with the BBB and they still send us mail. 

Reference Number : XXXX This needs to stop, and veterans need to stop being targeted. It 's disgusting and embarrassing. 

Integrity, respect, service are their motto, but they are trying to rob veterans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Commerce Home Mortgage, Inc
State: CA

Complaint narrative:
Commerce Home mortgage wholesale approved a Home loan ( from the underwriter XXXX ) for me. 

The account representative XXXX XXXX intervened and decided that he did not like the loan based on his personal reasons. And he declined it. He is not the underwriter. 

Multiple times the loan was approved. The title company was notified. 

I have lost the deposit of {$5000.00}. 
Reports {$1000.00} Appraisals {$800.00} I have had a home owners policy in force as a condition that was cleared since XX/XX/XXXX. 

There is no longer any communication with XXXX XXXX. The owners at commerce mortgage will not respond to any inquiries. 

XXXX reviews confirm this is more common than not with this organization. 

They put forth I had a loan. I did not seek any other advice due to their commitment. 

I am now outside of closing dates. No one in the UNITED STATES OF AMERICA should be treated like this group does to citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: Oliver Adjustment Co.
State: FL

Complaint narrative:
Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$150.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I was sent bills on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. Also, the medical bills I received revealed personal and medical information about me. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XXXX ). I sent a follow up letter informing them that they are in violation of HIPPA and stated that I would file a legal complaint unless they removed this from my credit report. I have yet to hear back from them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: FL

Complaint narrative:
A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.

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 2017-11-27 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:
A company called XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX XXXX pulled my credit report without my authority and had no business needs or practices with me. This was done on XXXX XXXX, 2016. I challenge the credit company to verify this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Terrill Outsourcing Group
State: IN

Complaint narrative:
I was originally contacted over the phone by XXXX XXXX  to make arrangements to collect a debt. ( I did not record the date, but it might be over 30 days ago. ) When they told me the amount and what it was supposed to be for I was sure it was n't my debt. They had my SS #, my married name ( though that is no longer my legal name ), a birth day that was close to mine, an email address I 've never used, an address and an employer that were mine, but from the XX/XX/XXXX. 

The company the lease was from was XXXX XXXX XXXX XXXX but i do n't know if that was a brick and mortar store or something online. XXXX said they did n't know either. The Leasing agency was XXXX out of NH. XXXX is out of CA. I live in Indiana, but not in the city that was used on the paperwork. I have n't lived there for almost 20 years. 

After explaining all this to a supervisor at XXXX XXXX I was told that I 'd have to dispute the debt and that they 'd send me something that I needed to respond to in 10 days. They did not send me anything in the next couple of weeks, and unfortunately I had not copied down all this info so I did n't know who to contact. 

Then I received a packet of info from XXXX that seemed to just be a copy of the debt they bought. It said our offices are " in receipt of your dispute '' but be advised we have contacted our client XXXX XXXX XXXX XXXX who has confirmed the name and address listed on the account as well as the amount owed '' There was a toll free number from XXXX which I called. It was late in the day on Friday after XXXX. I got a very confused sounding man with a foreign accent who said I had to call XXXX instead. ( Though XXXX has sold the debt. ) I called and left a message. 

Today XXXX called and was very insistent that the debt was mine and I was just trying to shirk my responsibilities. I asked repeatedly to speak to a supervisor but was told it would not do any good because they knew it was me and I needed to stop lying and just pay. That isnt word for word, but is the jist. Eventually they let me speak to someone who acted more reasonable but told me I had to file a police report and send them a copy. 

I contacted my local police who told me that was n't how it worked and told me to have the XXXX call him. I tried calling back with that information but was put off until later. 

I do n't know what else I should be doing. Do I need to file reports somewhere else? Do I need to contact credit agencies?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
On XX/XX/XXXX I submitted complaint # XXXX against Citizens Bank regarding late fees and interest added onto my HELOC account ending in XXXX. Your agency ruled against my complaint and on XX/XX/XXXX I submitted check # XXXX in the amount of {$33.00} to pay all alleged past due amounts and fees in full, which was cashed XX/XX/XXXX ( see Exhibits 1 and 2 ). This check and the attached stub clearly stated that the payment was for fees and late charges. My payment for XX/XX/XXXX, due on XX/XX/XXXX and cashed XX/XX/XXXX was on time and before the due date ( see Exhibit 3 ) My next statement for my payment due on XX/XX/XXXX, states that I owe {$3.00} in late fees ( see Exhibit 3 ). On XX/XX/XXXX I spoke with XXXX XXXX who called me re : my request to remove my name from any future marketing or promotional materials as I do not wish to do business with them in the future. I told XXXX that I had paid all of the contested fees and charges in full on XX/XX/XXXX and requested that Citizens remove the newest late fee. She said she would call me the following week to follow up but never did. Today I received the attached letter ( Exhibit 4 ) which denies my request to remove the late fee and did not apply the XX/XX/XXXX payment to the late/overdue fees although I attached the XX/XX/XXXX statement and payment explanation to the payment contained in check # XXXX. 

I feel that these continued late fees are punitive and uncalled for. Citizens had no right to attach these fees in the first place without confirming the alleged bankruptcy, of which I had no part, and furthermore should be billing my ex-husband for the total outstanding balance as decided in our divorce decree of XX/XX/XXXX and which I have forwarded to them ( see Exhibit 5 ). 

Thank you for your attention in resolving this ongoing matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accounts Research, Inc.
State: TN

Complaint narrative:
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX for supposed debt : Accounts Research , Inc. XXXX , TN XXXX RCVD call from XXXX XXXX , stated he was trying to conduct research and has returned mail for me. He wanted to confirm my address was the same as what was on the returned mail, I told him to just resend it to me as addressed. I asked him again who he was, since I have a large relation to XXXX 's, and he said he just had gotten some of my mail by mistake and wanted to make sure I got it since it was from my bank. No big deal. However, I felt weird after the call and did some research and found he is a collector for a company who changes it name often due to not following collection practices. They used to operate under XXXX XXXX XXXX. 

So, the big issue is that this account with XXXX XXXX had fraudulent activity and was closed. A lady from the fraud dept with XXXX XXXX called me, I believe in XX/XX/XXXX or XX/XX/XXXX,  and informed me the account had been locked due to activity. After reviewing the charges, they were determined fraudulent. The disputes were processed, and once processed, the account was to be closed with any remaining proceeds mailed to the addesss on file. I have not had any further correspondence from XXXX, so due to my own assumptions, I thought this matter was resolved. I have called and left a message for XXXX, in collections, with XXXX XXXX. I have since tried to communicate with the debt collector and that went nowhere. 

I will not resolve this debt with anyone other than the bank directly. XXXX XXXX lied, multiple times, when I asked who he was/with. Every time he represented himself as a provate citizen just trying to do the right thing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: Rocket Mortgage, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX I called quicken loans to ask questions about their home loan requirements and interest rates. When I called I had my credit report information already pulled from my credit karma account. I specifically told the man I spoke with that I already had my credit score and did not want a hard inquiry on my credit. I told him I just wanted to know what credit score you had to have for them to give a loan. He told me that he would have to pull my credit. I told him I knew my credit score and did not want him to put a hard inquiry on my credit report. Today, XX/XX/XXXX, I pulled my XXXX XXXX account up and seen that my credit score dropped almost 20 points. The reason was a hard inquiry from quicken loans. This is really going to XXXX me. My score was already low because I have n't had or used any credit in several years and the house I rent is being sold. I need to be able to find a home I can afford and get financed for in a very short period of time ( two months ) and this XXXX just made my credit too low to get financing. By the time this gets corrected, if it even does, It 's going to be too late. So now I 'll have to start looking for somewhere to rent, which is not fair. I only make {$20000.00} a year so it 's going to be hard enough to get a loan without other people making it harder. The phone # I called is ( XXXX ) XXXX, I got it off of their website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: TX

Complaint narrative:
I have never authorized XXXX XXXX XXXX to collect or share any information about me. I have no contract with XXXX XXXX XXXX and have never requested any money nor services from them. They have no legal right to be on my credit report. Delete this account from my credit report immediately, or provide me with contracts validating I have a contractual agreement with XXXX XXXX XXXX. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. 

No Contract with XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$590.00} Opened : XX/XX/2015

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 2017-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery is ILLEGALLY trying to collect for a debt not owed. This company purchased a debt that no longer exists. There are two accounts, one from XXXX XXXX and one from XXXX. These account DO NOT belong to me. I have contacted my attorney in referance to the letters I have been sent stating I owe money on accounts are not even mine. This company is fraudulent and just buys false debt. This company not only is harassing me with bogus letters of a debt I do not owe but the illegal put collections accounts onto my credit bureau. My attorney is investigating those and will proceed with legal action if necessary. Remove the collections from my credit bureau IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: MO

Complaint narrative:
Ocwen Loan Serving LLC reported my payment for XX/XX/XXXX late. I contacted Ocwen and told the my payment was sent thru XXXX XXXX in XX/XX/XXXX. Ocwen checked and my payment was sent in cash thru XXXX XXXX in XX/XX/XXXX. Ocwen corrected my credit report in XX/XX/XXXX but they did not correct their internal records.Their records show the payment received XX/XX/XXXX. I am trying to refinance my other house. When XXXX XXXX asked Ocwen for a payment report it said my payment was late. That is not true. This could stop me from refinance my house to pull out cash to help my daughter pay for College. She is XXXX at XXXX University. Also I had some debt that I was going to pay.

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 2017-11-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: CO

Complaint narrative:
Re : XXXX XXXX/ XXXX XXXX XXXX XXXX ( acting as agent for XXXX ). 
Transaction : Rental of passenger automobile on XX/XX/XXXX-XX/XX/XXXX at XXXX XXXX XXXX XXXX Airport. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). 
Issue : XXXX/Viking claim damage to vehicle after returned. Damage to front lower bumper of approximately {$1500.00}. 
My reply : XXXX performed a 'Pre-rental inspection ' as required for renting a vehicle that is part of their 'XXXX XXXX '. Inspection showed lower front bumper damage in addition to missing 'XXXX Oil cap ' on engine. 
XXXX Response-Unable or unwilling to provide documentation other than general rental agreement copy. Would not provide copy of 'Pre-rental inspection ' form. I already was in possession of said document and failed to keep a copy of the 'Pre-rental inspection ' form that would have put an end to the issue. XXXX ' website refers to the requirement of a 'Pre-rental inspection ' form as being required. XXXX/Viking filed a claim against my auto insurance policy but my insurance company is denying claim as XXXX/Viking can not provide sufficient documentation to prove their case. 
Conclusion : Rental companies I have read do this all the time without proof, placing in collections affecting good credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
On are about XX/XX/XXXX, I requested through my attorney to add Nationstar Mortgage to my bankruptcy chapter XXXX plan. It took Nationstar mortgage two more month to file a claim for the principal monthly amount. from XX/XX/XXXX to XX/XX/XXXX three different amount of arrear was file. One claim of {$340.00} in XX/XX/XXXX, was file and than in XX/XX/XXXX another claim in the amount of XXXX. Can you modify escrow and not principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: KS

Complaint narrative:
Last month, I had informed them that their billing procedures violate the Federal CARD Act, to which they replied that they are following all procedures and they credited my account for the overcharged interest. This was fine. 

Now, I 'm guessing in retaliation, they added nearly {$1000.00} in " purchases '' at an extremely high APR, while I made less than {$100.00} in purchases. 

On top of that, they used nearly everything I paid was allocated to the lowest APR on the card, while barely touching any of the higher APR, and not a single penny towards the highest APR, which is a complete and direct violation of XXXX : Allocation of Payments, exactly what I had informed them of previously. 

I have communicated this with them yet again that they are blatantly disregarding the CARD Act that was implemented on X/XX/2010 and gave precise examples, but this time I was ignored. I 'm sure I am not the only one they are taking advantage of, but I 'm not going to sit there and continue to pay them for breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IN

Complaint narrative:
My XXXX XXXX . auto claims report erroneously lists me as the vehicle operator for an accident that occurred on XX/XX/XXXX. I am in receipt of a letter from XXXX XXXX showing that this erroneous information was considered when calculating my insurance premiums. 

I called XXXX on XX/XX/XXXX and was advised that my dispute would be investigated. As of this afternoon, the error remains on my report. 

I called XXXX this afternoon, XX/XX/XXXX. I was told that XXXX XXXX has confirmed that the information I disputed was incorrect. The agent was unclear why this information remains on my report, but promised to have his company 's investigators review the file. 

I would like this error corrected and new copies of my XXXX XXXX report sent to me and to my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27 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: GA

Complaint narrative:
After finishing XXXX school my student loans came out of defferment. I received a call and i set up a income driven repayment plan. I was told i would that the plan would consolidate all of my loans into 1. However after missing 1 payment for the month of XX/XX/XXXX. The company retroactively went back and applied all payments while in the program as late. So after missing 1 payment for the month of XX/XX/XXXX. XXXX reported 3 loans with missed payments for 3 months each for a total of 9 missed payments. XX/XX/XXXX i was enrolled and paid XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX was missed. and

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