vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is delaying my request for investigation and providing Method of Verification by means of multiple requests for identification that was provided with the initial request. Experian has violated the FCRA 30-day-to-respond rule. By law, the following items in question should be removed from my credit report. This is a serious ongoing issue with them as you will see Experian ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 IL XXXX XXXX/XXXX/XXXX BK CHPT 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 2017-10-13 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: Collection Consultants of California
State: CA

Complaint narrative:
Collections Consultants of CA incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: IL

Complaint narrative:
TransUnion has not properly investigated the following issues on my credit report. Their claim to have investigated the issues is false since the creditors have attempted no contact with me resulting from said investigations. Additionally, they exceeded the XXXX response required by FCRA rules. Initial investigation started approximately XXXX/XXXX/XXXX Please see enclosed itemsACCOUNTS XXXXP XXXX NA 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 SB XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 OF XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX FEDERAL XXXX XXXX/XXXX/XXXX BK CHPT XXXX COLLECTIONS 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 non-monetary relief
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On or about XX/XX/XXXX and XX/XX/XXXX, I disputed a XXXX debt in the amount of {$2200.00} on my credit report Account # : [ Acct # XXXX ] asking that the credit bureaus show validation of this debt that I owed it, without sending me a viable evidence I indeed owe this debt. XXXX send me some kind of an agreement, which had not the signature. Since the CRA have posted the debt on my credit report, I have the right to verifiable evidence this debit belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NE

Complaint narrative:
I fell behind on payments late XXXX and went through loss mitigation. Thankfully, I was allowed a modified mortgage in XXXX XXXX, made my 3 trial payments but the modification documents were not finalized until XXXX XXXX. I have made mortgage payments in accordance to the loan modification agreement for XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. Some payments during that time were returned to my bank by the mortgage company for various reasons, resulting in my having to pay the bill by phone to ensure acceptance. The mortgage company is also falsely reporting on my credit report, stating that we are more than a year delinquent! 
Meanwhile, I had been receiving mortgage statements that had not reflected my payments. When I started to receive phone calls and letters from the mortgage company stating that I was behind on payments, I always called and talked to numerous agents who always assured me my account was fine and not going into foreclosure. I even called for verification after receiving the HUD letter, loss mitigation packet, and a letter from a local attorney stating the mortgage company was foreclosing. I was again reassured that my payments had been processed and my account was not going into foreclosure. 
This week I was served a summons from the local sheriff that stated the mortgage company was moving forward with the foreclosure. I called my mortgage company, very upset and was ensured a call back within one business day. I have yet to receive a call back from the mortgage company. I finally talked to many agents from the mortgage company this morning, stating that the information has been handed off to a supervisor to discuss with foreclosure department. I can no longer accept a verbal reassurance from the mortgage company that this problem has been resolved, and am looking for some sort of document as proof.

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 2017-10-13 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX incorrectly has listed 7-8 debts per credit bureau. Despite my certified letter to them dated X/17/2017, they have failed to validate the many debts and keep incorrectly reporting them to the three credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.

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 2017-10-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX of CA incorrectly has listed XXXX debts per credit bureau. Despite my certified letter to them dated XXXX/XXXX/XXXX, they have failed to validate the many debts and keep incorrectly reporting them to the XXXX credit union. Their lack of response is greatly effecting my ability to get a HELOC loan of which I am in need.

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 2017-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: Ditech Financial LLC
State: MI

Complaint narrative:
I applied for Loan Modification due to financial hard ship in XXXX 2016. And submitted all he required documents, ( again again they are asking me pay stubs and bank statements which I upload on there web site and mail them at least 20 times ( I documented ). Every once in a month I got call from my case assigned your application in process, Till noe never received any positive response. 
Thanks XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
We have a loan through XXXX lending services. We agreed to have monthly payment automatically withdrawn from our bank account on the XXXX of each month. We received a letter towards the end of XXXX stating that XXXX lending services has sold our loan and we would be making payments to Lakeview Loan Servicing , LLC on the XXXX of XXXX. On XXXX XXXX our mortgage was withdrawn by XXXX lending, from our account as agreed. But on XXXX XXXX It was taken out again by XXXX. I contacted XXXX on XXXX XXXX and spoke with an agent who told me i needed to send them my bank statement to prove that the payments were taken out XXXX, This made no sense to me because the agent could see the XXXX payment on her computer screen this was evident by her statement, " ok i see the payment on the XXXX and the XXXX '' when i expressed my concern as well as my concerns about this happening again next month she stated, " well lets hope not '' she then proceeded to tell me that she was skeptical of my call because and i quote " You have automatic payments set up correct? Well i have never seen this happen before so I 'm a little skeptical '' i asked to speak wit a supervisor and was told that one would call me back by end of business. well no call. After that i called XXXX XXXX about the same issue, they transferred my call to XXXX i ended call and called them back. the gentleman i spoke with said he would contact XXXX for me and have them get back to me. Again no contact. I have responded to bot company with an email as well as a copy of my bank statement to rectify this issue. still no call back. It would be XXXX thing if we we 're talking about XXXX bucks, but we are talking about over XXXX and to have that taken out XXXX in a month could be devastating to someone who is living paycheck to paycheck. I hope someone puts these lending agencies in there place and lets them know this is not ok and to stop treating consumers like we owe them something. please help. 

When i spoke with XXXX today they said it was a glitch with Lakeview loan servicing llc computer.

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 2017-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
received a letter from Citi stating my debt was sold to XXXX XXXX XXXX .I have never had any credit of any type from Citi . There is no account or debt. Their claim is fraudulent.

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 2017-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I have been informed that negative information was reporting on my credit report by a collection agency with the name of XXXX XXXX. I contacted this company by certified mail twice to get validation of debt amount owed. this company has failed to reply or send me any type of mail about this debt that they are falsely reporting on my credit report. I have received confirmation through the USPSP that this company received my certified letters but have yet to respond in a timely manner. I gave this company well over 30 days to send me validation of debt owed on the first go round and have not received anything since, this company states I owe XXXX $ but I will not pay this collection agency any type of my money without sufficient validation. I have asked this company twice to validate this debt bearing my signature or to show some type of contract I have between this company & I. It is by law by the FCRA THAT I CAN REQUEST VALIDATION AND IT MUST BE SENT TO ME. Not only is this company blatantly disobeying the law & being willful non-compliant but also not giving me what I am respectfully asking for. This company only marked my account disputed on my credit report but have failed to send me any documents of what I am asking for. I have the right to demand to see a signed contract between, e and XXXX XXXX. If this company is hired by a 3rd party company then I request validation and NOT verification of the debt meaning a signed contract from the original company and not a itemized or generic bill. a bill is considered proof of debt, not validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I AM WRITING IN REFERENCE TO I C SYSTEMS THAT WAS PLACED ON MY CREDIT REPORTS XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THIS COMPANY HAS ADDED MULTIPLE COLLECTION ACCOUNTS AND LATE PAYMENTS TO EACH OF MY REPORTS WITH THE THREE CREDIT BUREAUS. NEVER HAVE I HAD ANY TYPE ACCOUNT OR SIGNED ANY TYPE OF AGREEMENT WITH I C SYSTEMS. I C SYSTEMS HAS NEVER MADE ANY TYPE OF CONTACT WITH ME TO ATTEMPT TO VERIFY AND VALIDATE ANY INFORMATION THEY HAVE, BEFORE ADDING ITEMS TO MY CREDIT REPORTS. THIS IS A VIOLATION OF THE FDCPA AND I WOULD LIKE FOR THESE TO BE REMOVED IMMEDIATELY. UNDER THE FCRA 15 U.S.C. 1681i ANY ACCOUNTS UNVERIFIED NEED TO REMOVED IMMEDIATELY.

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 2017-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I have a Wells Fargo Credit card that went into collection & now have a judgement against me. Which I just found out. 

On XXXX XXXX, 2017 Wells Fargo legal recovery set-off went into my checking & savings account. Took all my money leaving {$100.00} to live on. 
Totaling {$5800.00} gone! 

Can they do that?

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 2017-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I sent a payment of {$9000.00} to Ditech on XXXX/XXXX/XXXX for my monthly payment. It included a check for {$2000.00} and XXXX money orders ( {$1000.00} each ). They deposited personal check on XXXX/XXXX/XXXX and 4 money orders ( {$4000.00} XXXX total on XXXX/XXXX/XXXX. They lost 3 money orders ( {$1000.00} each ), which is {$3000.00} of the payment. I contacted them on XXXX/XXXX/XXXX at XXXX XXXX - spoke with XXXX ( ext XXXX ) who filed a complaint # XXXX to find out what happened to missing {$3000.00}. She told me that the company has 5 business days to investigate the incident and respond to me. 
I contacted the company on XXXX/XXXX/XXXX at XXXX XXXX - XXXX 's extension does not have a voice mail set up - the phone kept ringing and I could not leave a voice mail. She provided her manager 's contact information during my initial call so I called her and left voice mail ( XXXX ext XXXX ). I have n't head from them so I called again on XXXX/XXXX/XXXX - XXXX 's phone mail kept ringing and I left VM on XXXX 's phone again. 
I would like to know what happened to {$3000.00} of my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a second signer on my account. They have never used their debit card. Chase received an unauthorized request for a replacement debit card to be sent to an address not on file. They honored this request and when the card was received the people committing fraud were able to access my account and withdrawal {$400.00}. This was immediately seen by me and reported to chase as fraud. They opened a claim and then closed it because it was a chip and pin transaction. We brought the issue to their attention again and spent hours walking them through the details ( namely that they issued a debit card overnighted to an address not on file without confirming this request with either card holder. ) they returned my funds during their first review and then reversed that. Then returned my funds again and reversed it again for the same reason. They created this issue by sending a debit card out without my authorization ( and without confirming it with the other signer either ). And now they are reviewing it for a third time. They have failed to protect me, they have failed to return my funds and they have taken hours of my time discussing an issue they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: NY

Complaint narrative:
This company claims that I owe them {$980.00} which I do not owe to them. I never received good or services from them nor did I sign a contract with them. They are trying to extort money from me and unlawfully reporting negative information on my credit report as of XXXX. I spoke to the supervisor who also stated and agreed that I do not have an acct with them. I have no contract with this company nor do I know who this company is. This is harassment and their tactics are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: CA

Complaint narrative:
On XXXX XXXX, 2017, I signed in to my Great Lakes account to make a payment for the month of XXXX. Because it was after XXXX XXXX, my account had fallen " past due. '' I made a payment for the full amount owed for that month ( which was just under {$500.00} ) and my account still remained " past due. '' It did not have any information supporting that a payment was made and was being processed. Instead, it said " please make a payment for your past due account. '' I decided to wait until the following day to see if my account status changed. The next day, the website still said " your account is past due, please make a payment. '' I checked with my bank and no charge was initiated or pending, so I believed the first payment had not gone through. The website should have stated " payment processing, '' or " payment received, '' or anything to indicate that, while the account may still be in a past due status, a payment for XXXX was no longer owed as this one was being processed. Instead, it was misleading and asking for an XXXX payment. As such, I made a second payment of almost {$500.00} for XXXX, only to realize days later that both payments went through. Great Lakes stated that I would need to wait a week for the payment to fully process and then could request a refund, which would take about 45 days. I believe their website is intentionally set up that way to mislead people into making additional payments when they are not necessary. I feel cheated out of an additional {$500.00} that I had not budgeted for this month. Great Lakes made no acknowledgment of the unreliableness of their website and I do not believe they will make any changes to make their payment collection more simple and less misleading for those who are trying to pay back their loans. I logged back in today, two days later, and my account still says I owe a payment for XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Whenever I try to access my XXXX credit reports. In trying to verify who I am, they asked questions like what company is my mortgage with or myself mortgage amount. Or they will ask about my car loan company. I do n't have a mortgage or a car loan in my name so I think someone has secured loans in my name without my knowledge. I have no idea how to confirm or rectify this information. I called XXXX and they send me to every department they have without me being able to even notify the correct authority about my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Community Health Investment Company, LLC.
State: PA

Complaint narrative:
A few months ago i contacted XXXX XXXX XXXX in XXXX pa regarding a bill that was XXXX. I paid a XXXX deductible and i was told that this was all i would owe at the time of service and if anything the next bill i would recieve would only be a few dollars more. It turned out the hospital didnt tell me that i would get that additional bill of XXXX. They told me the XXXX was all i would owe and billed me for XXXX.i disputed the claim by mail. I never recieced a call or a letter from the hospital after i wrote to them to try to settle the amount since they failed to notify me on what my insurance would cover and any additional cost after. I tried to negotiate it for 1/2 of the price they never got back to me nor did they notify me that they would be putting this on my credit after i attempted to settle the debt. Turns out i moved and still didnt recieve a letter regarding the balance but my credit dropped 30 points and they didnt get back to me as i requested them not to call me my cellphone is broken and to notify me by mail only. No attempt to settle nor resolve a problem that they caused after they told me this would be all that i would owe. I shouldnt owe anything if i paid my bill in front the day of service. They shouldve contacted my insurance 1st.

Company response to consumer: Closed with explanation