vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TENET HEALTHCARE CORPORATION
State: FL

Complaint narrative:
Syndicated Office Systems continues to report a negative collection account on my credit report but has failed to provide any validation of such debt. I mailed a certified letter asking for proof of validation and they have not responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: GA

Complaint narrative:
I was XXXX and mailed the credit card payment, the XXXX 2016 payment was received by Barclays in time but was n't processed in time making my account 30 days late. I have wrote the company numerous time with no result.

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 2017-06-04 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: Rocket Mortgage, LLC
State: DC

Complaint narrative:
In  XXXX   XXXX   2017  I spoke with  XXXX   XXXX  and  XXXX  at quicken loans. I had  two  very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credit WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my  credit score would n't drop and that it 's the same as one months ago. I told him not  to pull the credit he did it anyway and my score has dropped  XXXX  points immediately as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: DC

Complaint narrative:
In XX/XX/2017 I spoke with XXXX XXXX and XXXX at XXXX XXXX. I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior. XXXX XXXX pulled my credit WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull the credit he did it anyway and my score has dropped 4 points immediately as a result

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 2017-06-04 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: EQUIFAX, INC.
State: DC

Complaint narrative:
In  XXXX   XXXX   2017  I spoke with  XXXX   XXXX  and  XXXX  at   XXXX   XXXX  . I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credi t WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not  to pull the credit he did it anyway and my score has dropped  XXXX  points immediately as a result

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
In  XXXX   XXXX     2017  I spoke with  XXXX   XXXX  and  XXXX  at   XXXX   XXXX  . I had two very specific questions and advised them both NOT TOO PULL MY CREDIT because it had already been pulled a month prior.  XXXX   XXXX  pulled my credit  WITHOUT my consent. It 's a recorded line that they clearly hear me saying not to pull the credit. I have an email between he and I stating the same. He claimed that my credit score would n't drop and that it 's the same as one months ago. I told him not to pull  the credit he did it anyway and my score has dropped  XXXX  points immediately as a result

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 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This has happened in the past for me with Equifax. I do not have this issue with  XXXX  and  XXXX .     I wanted to have my security freeze lifted for 30 days. I paid online and got confirmation from Equifax. However, when   XXXX   tried to check my credit, they are still seeing a freeze.     No one is available from Equifax to fix this over the weekend. I am sure this has happened for other consumers also.     I am wasting my time and money and there is no accountability from Equifax. I will have to wait for week day to get someone over the phone and get it resolved.     Thanks,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
after getting behind 1 payment to wells fargo back in 2011 i  contacted them about a loan mod and givin a person to work with after a year went by got loan mod myself and sister sigined and had noterized they only sent me a copy to sigin she lives in a diff state and instructions saidit had to be sigined on same day.i called fargo about that chould not get any hlp about how we were to sign on same day living 1200  miles apart. so afternot hearing from them left a message with my person who was helping me.I sigined noteryized overnight mail to sister she did same thing and sent in with a {$480.00} fee.got back same paperwork three weeks later. called fargo person and she said because both sigs werent in county home was in they could n't use.that was neverstated in instructionsi i had.she siad she wouldget suppervisior to help get it put through a year later got notice to appear in court fargo keptrunning me to diff people after asking them for new loan mod. igot a limited power of attotney to hlp with sigs but still no help so i went to a lawyer and hes trying to help but still may loose home .this company is the worst run ive erver seen im a XXXX year old vet and feel i have no rights agianst this company.ty

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 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has re-added a previously deleted account. As of XXXX 2017, XXXX XXXX was no longer appearing on my credit report. Suddenly today, experian re-added the account to my credit file. This account was previously removed by Experian, XXXX & XXXX as this account was fraudulently opened.

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 2017-06-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: DE

Complaint narrative:
Fall of 2016 I began to fall behind on my mortgage payments due to extreme marital and financial issues. My second month of falling behind I explained to my mortgage company ( OCWEN ) my difficulties ; they assured me they would help. After 90 days of  missed payments, I was no longer allowed to make any partial payments. I was already in the midst of applying for a modification through OCWEN. I complied with their deadlines and all request for documentation. 6 months afterwards I receive a modification answer. Their offer to fix my difficulties was to increase my APR ; increasing my monthly mortgage payments by approximately 100.00 a month or repay my XXXX debt in 6 months. Neither option was acceptable or reasonable. OCWENs inability to process my modification request in a timely manner excluded me from programs that would allow me to simply put my debt on the rear of my term ; which I originally requested. 7 years of owning my home, I have never defaulted on my loan until now. Now I must come up with my monthly mortgage plus my past due debt in order to not go into foreclosure. This is extremely troubling. I need help because I do n't know what to do. I am also battling an issue with OCWEN refusing to remove homeowners insurance premiums from my agreement ; I never wanted it, Ive always had homeowner insurance through XXXX, I have even had to have XXXX representative 3way a telephone conference with OCWEN where XXXX informed them that they have no legal way to make me go with their homeowners insurance as OCWEN was stating. OCWEN was supposed to have corrected this issue and refund me the difference and never have.

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 2017-06-04 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me   XXXX   out and my hippa has become worse because of the  XXXX , I need these removed .Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
Notified debt collector about verification of debt. What was sent back does not verify that  XXXX   XXXX   XXXX  owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Checkr, Inc
State: CA

Complaint narrative:
Received a copy of most recent background check. Name and address are incorrect. The false information dates to  XXXX ,  2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have inquirys on my credit report that were fruad, I am  XXXX  and   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   have stolen my identity and have commited fruad, She is being investigated for this please help me fix this, This have me  XXXX  out and my hippa has become worse because of the  XXXX , I need these removed .Thanks

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 2017-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
Company has not reported good status updates in over 30 days.  They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XXXX  2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I basically asked if I could lower my payments and a Navient loan servicer stated you cant because ur curent. He stated u could let it go delequent then to a forebarance. Some of there loans had combined with XXXX XXXX and were sold to XXXX XXXX loans. I had lost track of them for a while as i didnt pay on them for around 2 years. I then when on rehabilitation programs and am current on them, but its a struggle to pay bills, rent, and feed myself properly sometimes. <P/>
I owe around 15000 on these bundled Navient loans. The payment is extreamly high at XXXX a month and currenrly in the process of lowering my XXXX XXXX Loans ( some were served my Navient at one point but ive lost track and need to call them on that for details ). I owe a total of XXXX where they were about to charge me over 250 a mounth if i hadnt stopped it and tried another option of repayment. Im deff lost on what my options are. Its as if they expect u to just guess which options best. Icome driven or loan forgiveness. Trying the income drive process with XXXX XXXX at the moment, but Navient just clearly said no on that even when I told them about my XXXX XXXX loan. They may be waiting on that process to know my min payment. They were deff not clear on what i could or couldnt do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Constantly calling with short ANNOYING statements " CALL ENDING ",  XXXX  THEN A PAUSE AND DISCONNECT and other short comments through out the day Several Times A day ... ..sometimes Just Holding the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: EQUIFAX, INC.
State: WA

Complaint narrative:
3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 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: WA

Complaint narrative:
3 unsolicited hard inquiries on my bureau. No application for credit limit increase and my credit was pulled 3 times as of XXXX XXXX 2017.

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 2017-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
While checking my credit report I noticed Diversified Consultants, Inc. reporting a negative account with a balance of {$300.00}. I immediately disputed this with the credit bureaus and then I received a letter, which is attached, claiming to be collecting for XXXX. I sent a letter, which is attached, requesting they verify this alleged debt on XXXX, XXXX 2017. As of today I have not received any response. The letter was sent USPS Certified Mail with Return Receipt, also attached, and was received by Diversified Consultants Inc. on XXXX XXXX, 2017. It has been nearly 60 days since they received my letter and I am now demanding they delete this account from my credit report since they can not provide proof nor respond to my letter in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Non refundable processing fee of {$120.00} due to unknown legal order. As a result, other transactions became insufficient funds with fees.

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 monetary relief
Consumer complaint received 2017-06-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: GA

Complaint narrative:
Hello, I have a complaint with Flagship acceptance, which is a loan company that we have. we have only been in this loan for almost a year. XXXX will be a year, my husband filed chapter XXXX and discharged from it, and I need a car and he went to couple of dealerships and they were all willing to sale him a car but they all wanted to put him in a high interest loan. I was turning in a lease that I was previous driving. so he landed at XXXX XXXX in XXXX Ga. the sales and finance people there told him he was going to have to pay this high interest rate because of his filing. we now have a 20.85 % percent rate that we ca n't trade out of not even with them. they do n't even want their own product back and flagship claims on their website that costumers should n't be more than just a credit score. and that their PAST should n't DICTATE their FUTURE. I just was making a payment on the loan we have and felt taken. we have a car that 's only worth XXXX or XXXX and we owe XXXX dollars where we are only paying pennies to the principal. I 'm just tired of these loan sharks that prey on peoples who are in need. I know this kind of thing happens all the time this is just a form punishment. 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 2017-06-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I will be filing a complint on your company for sharing my personal information with my coworker when the young lady called and talked to three coworkers and advance america was not surpose to give your company my social security number i signed a privacy policy saying my personal information will not be sold or shared which is identity theft please cease all communication with me and my complaint will be filed with the consumer financial pertection bureau sincerely XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This complaint is in reply to the completely bizarre response I received from Bank of America to my last complaint filed through this website -  XXXX . While I could not have been more clear that my complaint was a direct result of  BOA 's  failure to provide a direct answer to a simple question from an earlier complaint, the company then replied  ( after nearly 4 weeks ) and said : " After reviewing your request we were unable to find a change in your situation, or unaddressed concerns. Given this circumstance, weve closed your reques ''. However the fact is that the entire complaint was about an 'unaddressed ' concern. If the CFPB is going to go through the trouble of having this website, it should not allow companies to blantantly lie in their responses to clearly communicated requests. If so, what is the point of the site in the first place? So, I guess I 'll try again, and this time, I 'll even be more clear ( as if that  's possible ) : Dear BOA, HERE IS MY SO-CALLED 'UNADDRESSED ' CONCERN : you have failed to answer a simple question regarding BOA  's ownership of my note and mortgage, OR the j udgment debt that resulted from the alleged default on my home loan. HERE IS THE 'YES OR NO ' QUESTION ONCE AGAIN : HAS BANK OF AMERICA  XXXX  OR ANY OF ITS SUBSIDIRARIES, EVER OWNED THE NOTE AND MORTGAGE THAT APPLIES TO AND SECURES THE LOAN ON MY HOME, OR HAS BOA EVER OWNED THE JUDGMENT DEBT RELATED TO SAID L OAN? For the purpose of answering this, I 'm NOT asking if BOA has ever 'serviced ' said loan. I understand you have already answered that you have not. Please do not treat this as a similar request. It is not. Please answer the simple question above with either a 'yes ' or a 'no '. If yes, please provide specific details as to when the note and mortgage were acquired, and if BOA  continues to own said note.

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