vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  . XXXX XXXX XXXX XXXX XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since 2002 till present.

XXXX, TRANS UNION, AND XXXX   made my life miserable.

I can not refinance my house loan.

I can not cash out since 2002 till present.

As a XXXX XXXX I can not do " A '' loans for my clients because of the damage they have done to my credit. Their damages to my credit suggests that I have bad credit, which makes me ineligible to help clients who have good credit. They have defamed my character with false reports.

Credit card companies will not approve me.

Banks will not approve me to obtain loans.

I have to purchase Bond to enable me to do b and c loans.

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 2018-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX I called XXXX to remove inquiries that I did not authorized. I spoke with a XXXX XXXX that was handling my request. In the midst of our phone call, as he was confirming the inquiries that I needed to be removed/deleted, the call was disconnected. I called back and another XXXX XXXX received my call. I explained to her what happened and how the XXXX XXXX was in the midst of deleting the unauthorized inquiries and she could continue as well and she told me that she couldn't do it, again I explained on how the other XXXX Rep was in the processing of deleting these unauthorized inquiries, however she did not care. Needless to say, she didn't help with what the other XXXX XXXX was more willing help me with. There is several inquiries that I did not authorize to pull my credit, some of the same unauthorized inquiries was pull several times. XXXX XXXX was pulled on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX & XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. XXXX was pulled on XX/XX/XXXX. XXXX XXXX was pulled on XX/XX/XXXX. None of these places had my authorization to pull my credit or anything relating to this matter. I also contacted TransUnion on XX/XX/XXXX and spoke with a XXXX XXXX who also told me that they doesn't remove/delete inquiries. I will have to contact all creditors and have them to send a deletion letter. I also called XXXX on XX/XX/XXXX whom as well told me the same thing TransUnion stated except they put a XXXX alert on my credit file and still wouldn't help me with these unauthorized inquiries.

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 2018-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
The company has asked that I pay a debt for {$670.00} & {$53.00} from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX  that they can't show that I owe the debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX  keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I've called Navient multiple times to Settle/Pay off my stundent loans, current balance of {$22000.00}. Most recently called on XX/XX/XXXX, after getting the same answer multiple times and from previous calls made on XX/XX/XXXX & XX/XX/XXXX. Not willing to take a settlement amount, even though my principle on the loan ( s ) was {$16000.00}. Last call I asked to speak with a supervisor, was put on hold for a few minutes, same gentlemen got back on the phone said his supervisor was busy and that he asked him and backed up what he'd been telling me that there's isn't any settlement options for Federal Loans when they are in good standing. There might be more options if I were in default. I'm really want to just get my loans paid off, but at this point I'm not willing to pay the amount that Navient wants because every time I've called they've been rude, disrespectful and unwilling to work with me what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28 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: CA

Complaint narrative:
PORTFOLIO RC / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX  has asked that I pay a debt for that they can't show that I owe I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, PORTFOLIO keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company has asked that I pay a debt I asked the company to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, they keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has not VALIDATED the debt. Or any of the things I've asked I DEMAND THEY ANSWER THE QUESTIONS ASKED OF THEM.

All of these companies need to UPDATE MAILING ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX DONT SEND ANY MAIL TO XXXX XXXX XXXX XXXX XXXX CA XXXX  this address is not a good address remove this address from all accounts and update with new address.

XXXX XXXX {$3300.00} XXXX XXXX   {$670.00} XXXX {$53.00} 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 non-monetary relief
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Bureau of America Ltd.
State: CA

Complaint narrative:
XX/XX/2018 discovered an unknown collection acct on my credit from XXXX. Filed dispute. XX/XX/18 recieved collection notice from them in the amount of {$460.00} responded with notice on XX/XX/18 via fax. Further disputed alleged acct and requested specific records. 
XX/XX/18 XXXX responded with another letter they typed themselfs without supplying any proof from creditor. I have no contract, equipment nor do I owe any alleged amount as they claim. XXXX services will not speak to me. XX/XX/18 i sent XXXX another letter demanding removal of the inaccurate, unverifiable acct. Im incuring damages and drop in credit score. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: LD Holdings Group, LLC
State: NV

Complaint narrative:
Loan depot is consistently reporting 120 days late each month to XXXX XXXX and XXXX. I have not stopped paying them. The comapany has taken upon itself to stop with drawing the monthly payment from my account. I initially contacted them in XX/XX/XXXX and again on XX/XX/XXXX. I was told by their representive that they had changed over to a new electronic system and are having problems identifying my account. I am requesting that they amend all reports of late payments since XX/XX/XXXX. Not only is loan depot reporting fradulent information it has caused me from getting a home loan. 

I am requesting that CFPB help with this matter. As a home loan contingent upon resolving this problem. 

Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: NY

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI

Complaint narrative:
As per the last complaint and reply. I am sending more information about the reason this item should be deleted permanently regardless of who owns this debt falsely put onto my credit report ( s ). The item was deleted before and put back onto my reports. Also it is in violation of the fair credit laws as it was sent to collections a full month before they claim they sent me a letter, which I never received, about this debt. I will attach documents to show both statements are true and the item needs to be deleted permanently from my credit reports regardless of ownership of debt.

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 2018-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
XXXX XXXX agreed to delete from credit report. They claim to only report negatively to XXXX and agreed to delete. When credit report was pulled it was also reported negatively to XXXX. I knew which they never mentioned it was. I would like for them to delete it from XXXX  as well. As my first claim asked for it to be deleted from all credit bureaus.

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 2018-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2018 I checked the chase Mobil site for and update on my balance. On the site there are 2 balances shown one is a present balance the other is an available balance. I had an available balance of almost XXXX so I used my debit card. The next day I checked my balance again and I had a negative balance totaling XXXX. I got charged XXXX four different times for insufficient funds. I have called the customer support center twice both times representative was not helpful at all. They will not take the charges off because I reached the limit for reversals I tried to close the account down because of this they won't close it. I have no problem paying for the purchases I did make but I told them I am not paying the 4 overdraft charges because i had a positive balance when I used my card. Chase Bank is the worst bank to choose to have an account with ever since the first month I had my account I've had nothing but problems with them

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The company has asked that I pay a debt for {$3300.00}, {$1800.00}, {$2000.00} Acct. # XXXX that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I asked the company 's to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX XXXX XXXX keeps ducking the questions & facts Im asking of them. They state 3rd party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has said the Debt has been VALIDATED which is a lie Send Me The Proof and any all of the things I've asked I DEMAND they answer the questions asked of them. I need this for equity court I need to be sent proof of everything listed above.

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 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I have no knowledge of this debt. 
I'm requesting for a debt validation of this debt or delete the negative report off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Would like for disputed statuses to be deleted from credit report. On all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CO

Complaint narrative:
I have had a mortgage with XXXX for my home in XXXX, CA XXXX for over 15 years. 
XXXX sold my loan to Mr. Cooper in XXXX of 2017. We sent in proof of homeowner insurance. Mr. Cooper could not for some reason receive the insurance information. We sent it to Mr. Cooper several times. They acknowledge the receipt on the phone but have not corrected the escrow payments online. They continue to charge me escrow fees and now late fees for the unpaid escrow payments. 
The company has not sent any notices and my only contact has been from Mr. Cooper representatives when I call in. 
My credit score has been affected going from XXXX to XXXX! 
I am at a loss as to how to correct this disastrous situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My request is : Please remove the new PRIOR SERVICER fee being placed upon my home mortgage account. 
This is regarding a fee of {$1200.00}. This new PRIOR SERVICER fee is a surprise to me. I was never made aware of it, nor was I sent a demand to pay it until my account was transferred to a different loan servicer ; which is : XXXX XXXX On XX/XX/XXXX, a mysterious extra PRIOR SERVICER fee was added to my monthly house payment. The explanation was given in the form of a list as follows : AND, I am copying exactly as it is presented to me. Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$920.00} ; and Transaction date : XX/XX/XXXX, PUBLICATION NOTICE, amt. {$21.00} ; and Transaction date : XX/XX/XXXX PUBLICATION NOTICE, amt. {$230.00} ; and Transaction date : XX/XX/XXXX, LEGAL CERTMAIL, amt. {$25.00} ; and Transaction date : XX/XX/XXXX LEGALPOSTINGCOST, amt. {$16.00}. There is no better explanation of what it means. So I called the new loan servicing company : XXXX XXXX XXXX XXXX and I was informed the fees are for a loan default ( which I paid off in XX/XX/XXXX ), from the previous loan servicing company XXXX XXXX. Please check into this and stop this undeserved penalty fee. The dates of the mysterious PRIOR SERVICER fee dont match with any of the dates during the reinstatement of the loan from the default dates. So Im concerned that this is a double charge placed after Ive paid all the late charges and penalties from the previous foreclosure back in XX/XX/XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company has asked that I pay a debt for {$3300.00}, {$1800.00}, {$2000.00} Acct. # XXXX that they can't show that I owe the debt i asked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX I asked the company 's to VALIDATE the debt ( not a verification ) have the debt be VALIDATED Show ORIGINAL instrument of indebtness, Show ORIGINAL copy of the TRUE BILL ( not a statement ) Show copies of Company Bank records showing account Offsets, Show original documents and/or contracts that Shows my Wet Ink Signature on them, XXXX XXXX XXXX keeps ducking the questions & facts Im asking of them. They state XXXX party I have sent a letter requesting the proof of the debt owed. This matter has not been satisfied or do I agree this company that has said the Debt has been VALIDATED which is a lie Send Me The Proof and any all of the things I've asked I DEMAND they answer the questions asked of them. I need this for equity court I need to be sent proof of everything listed above.

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 2018-03-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since 2002 till present. 
XXXX, XXXX XXXX, AND EQUIFAX made my life miserable. 
I can not refinance my house loan. 
I can not cash out since 2002 till present. 
As a XXXX XXXX  I can not do " A '' loans for my clients because of the damage they have done to my credit. Their damages to my credit suggests that I have bad credit, which makes me ineligible to help clients who have good credit. They have defamed my character with false reports. 
Credit card companies will not approve me. 
Banks will not approve me to obtain loans. 
I have to purchase Bond to enable me to do b and c loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-29 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: Capital Accounts, LLC
State: TX

Complaint narrative:
I've been submitting information to XXXX and XXXX  about a account being in collections on my credit report and they still haven't removed this negative information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation