vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
XX/XX/XXXX I 'm disputing Navy Federal Credit Union 's ( NFCU ) response in denying an interest rate reduction for my VISA Go-Rewards card. As I previously indicated - I 've been a NFCU member since XX/XX/XXXX. They indicated that their denial was based on their review of my current and past credit history with them. I 've had mortgage loans with NFCU since XX/XX/XXXX and have never made a late mortgage payment and never defaulted on a NFCU loan. Over the years I 've paid off credit cards, car loans and other personal loans with NFCU without late payments. I did not want to pull this card, but I 'm XXXX and NFCU knows this. Over the years I 've had to appeal and dispute loan and mortgage denials from NFCU. In XXXX XXXX, my husband obtained a car loan for a XXXX XXXX XXXX with an interest rate of 1.99 percent. After the car loan we attempted get a lower interest rate or consolidation loan for our credit cards but was denied unless we used the XXXX car as collateral. My husband and I agreed to use the car to secure the consolidation loan which also included the car loan amount and was promised in XX/XX/XXXX by XXXX XXXX ( NFCU representative, XXXX, ext XXXX ) that the interest rate would remain 1.99 percent. On XX/XX/XXXX, I spoke with XXXX XXXX XXXX, Assistant Manager ( NFCU representative, XXXX, ext. XXXX ) and he said that he could only give us an interest rate of 5.5 percent for the consolidation loan - not the 1.99 percent that was originally promised. We have been paying the consolidation loan since XX/XX/XXXX and have never made a late payment. I worked for a short time for NFCU XX/XX/XXXX and found that they had a bias in the lending practices with 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 2016-11-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I received my credit report from TransUnion today and in there it says I have a balance due of {$270.00} from XXXX that went to the collection agency XXXX. I have never had a account with XXXX, and when I called, they informed me that they have no information on me or any record of me ever being a customer with them. I then tried to fill a dispute online and over the phone with TransUnion and was denied because they could not confirm my identify based on the questions they had asked me ( questions I could n't answer because they 're possibly about whoever is stealing my identity or whoever they 've mistaken me with ). They were asking me questions about a auto loan and a mortgage, neither of which I have never taken out. I tried several times to tell them that fact, and also informed them there was another name and phone number on there that is n't me, and that this could potentially be a case of mistaken identify or even identify theft. I was told there was nothing they could do because they could n't confirm my identity.

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 2015-04-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I went on transunion XX/XX/XXXX and got message to try back due to technical error in 24 hrs. I needed to submit disputes. Then the XXXX company I tried XXXX only gave me the option to gather all my ID, etc. and mail it. sorry, but I do n't have time thats why I went online. I like most people work 10 hrs a day, and I do n't have time or access to a copier, and I would not be allowed to use it at my strict job, which I just got. 
Okay, so today is XX/XX/XXXX and I went back to transunion site way after 24 hrs and am getting the same message. please fix this problem. I need to submit disputes. thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent various online and telephone dispute to TransUnion in reference to my XXXX.in which they have placed my mortgage as Negative Adverse Account instead of Good Standing Satisfaction Mortgage Account History.They also have my account as 1 late payment in XXXX. I never ever been or paid late, I even called the creditor XXXX myself and they look back all the way to XXXX and they could n't find anything to confirm the late payment that was placed by the Trans Union .My Mortgage was transfered 3 times.1st my home was bought in as adjustable rate so every year the rate will go up XXXXpoint until the 5 years. Yes I bought my home as a FHA had to look around and had my home was refinance to secure it with a fixed rate. 3rd I had a Loan Modification, which shows XXXX different real estate Mortgage on my credit Report, However TransUnion, because of this inaccuracy my credit mortgage as a adverse account which is consider as a negative account. My Mortgage should be in the good standing, for this reason my credit has been suffering. I 've disputed in XXXX/XXXX/XXXX also on XXXX/XXXX/XXXX also on XXXX/XXXX/XXXX also on XXXX also on XXXX/XXXX/XXXX. I 've disputed so many times and nothing has happened or all inaccuracy are still the same.I just want my XXXX XXXX to be taken out of adverse account, that the negativity on my mortgage for being late, when I was never late, current, paying as agreed and on time, be put as it should have in Good Standing Satisfactory Account on my credit report on XXXX XXXX. Please update all inaccuracy and place me where I should have been in satisfactory good standing account in my Credit Report.

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 2016-07-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have XXXX XXXX accounts on my credit report : XXXX ( XXXX ) and XXXX ( XXXX ) with a 30 day late payment that was authorized by XXXX to be removed. XXXX and XXXX have already done so, yet transunion has yet to budge. I have attached the document from XXXX Also there is an inquiry on my credit report for XXXX, IA XXXX XXXX Inquiry Type : Individual Requested On : XXXX/XXXX/2016 I have disputed it and they tell me to contact XXXX which they stated that they have no information on such 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 explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: MA

Complaint narrative:
For at least 6 months I have been trying to get a loan modification with SLS. It has been a very stressful situation as I keep getting asked for the same documentation over and over again. I have a foreclosure pending for XX/XX/XXXX and the fact that SLS has not postponed it is endemic of the problems I have endured with them to come to some resolution. What follows is a list of my contact with SLS ' representatives since XX/XX/XXXX : 1 ) XX/XX/2017- I spoke with " XXXX? '' SLS needs my son 's pay stubs. ; 2 ) XX/XX/2017 - I fax son 's pay stubs ; 3 ) XX/XX/2017 - I spoke with " XXXX '' at SLS, she claimed no record of son 's pay stubs ; 4 ) XX/XX/2017 - I spoke with " XXXX '' at SLS states that they have received my son 's pay stubs ; 5 ) XX/XX/2017- I called SLS and asked for " XXXX '' about a letter that I received from SLS on XX/XX/2017. XXXX later returned my phone and indicated that now I needed proof of residency for my son ; XX/XX/2017- I faxed to SLS XXXX of my son 's pay stubs, his driver 's license and XXXX form ; XX/XX/2017 - Spoke with XXXX at SLS and she confirmed that the documents that I faxed on XX/XX/2017 were received by SLS. My loan modification application is on review. 
XX/XX/2017 - XXXX at SLS called asking for son 's last XXXX pay stubs ; XX/XX/2017 - I faxed my son 's pay stubs per XXXX request of the day before ; XX/XX/2017 - I called SLS to check on the loan modification, I was told that I had a new point of contact " XXXX ''. The application was on review ; XX/XX/2017 - Spoke with XXXX at SLS - She indicated that review on modification takes 30 days ; XX/XX/2017 - Received several calls from SLS to my home and cell phones while I was at work. I later returned the message and spoke with a " XXXX '' at SLS. XXXX now wanted that I send a new Social Security award letter, XXXX recent bank statements showing a child support deposit ; food stamps letter. She also said that I should send a new modification application ; XX/XX/2017 - I spoke with " XXXX '' at SLS for a status. She said that my documents were received on XX/XX/2017, but I believe were not uploaded until XX/XX/2017. 
XX/XX/2017 - I received, incredibly, a letter form SLS, dated XX/XX/2017 ( attached ), that my application for " assistance '' is denied because my request ( presumably the application that I was instructed to submit by SLS ) was received too close to the pending foreclosure date. 
I think is unfair for SLS to continue the process of foreclosure based on the above facts. I have done everything asked and provided to SLS whatever document requested despite my duplication of effort.

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 2016-03-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted transunion because i had a collection that should not have been on there XXXX. XXXX was XXXX and the other XXXX. XXXX had supposedly sold the account to XXXX. I contacted XXXX regarding this hoping to pay for delete as i am trying to fix my credit they told me they couldnt as it was sold to another company. I was able to sign in to my account on XXXX and they are still requesting payment. I have documentation showing my account and request for payment from XXXX. I requested transunion remove due to i have XXXX collections on same account and XXXX still remains. If it was sold my sign in account should be closed no longer requesting payment. Please help me remove this item.

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 2016-05-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I worked for a company called XXXX XXXX XXXX. The owner of the company, which is not me, applied for and received an XXXX payment corporate account that gave the office a credit card swipe machine for taking payments. The owner died and I took charge of closing the business for the surviving spouse. It came to my attention that one of the owners family members was swiping their personal credit card and then transferring the funds to her personal bank account. This family member then began to claim fraud on every credit card she had and XXXX payment issued her a refund. I complained to XXXX and showed them the proof. They did not care who did it and since my name was now on the account since I was the one put in charge to finish up unfinished business and close it 's doors, They claim I am responsible, I did not sign any agreement with them nor did the company use me as a personal guarantor. I submitted a letter to Experian giving them the proof I sent to Experian and asked them to validate this account or to remove it from my credit report. They validated the account and sent me a letter dated XX/XX/2016. Since I know they are in error, I sent them the attached letter on XX/XX/2016 asking for Method of Verification as required by the Fair Credit Reporting Act Section 611 ( a ) ( 6 ) ( 7 ) or to remove this account from my credit report. They have not responded to my letter and they have not removed this account from my credit report.

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 2015-10-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are XXXX collections on my credit report and a number of charge offs. I 'm fully aware of my lack of responsibility when I was younger. I 'd originally consolidated my debt through a company that is no longer in business due to bankruptcy " XXXX '' and I was unaware of their bankruptcy until I was harassed by debt collectors which in every right they did have the right right to do so because I was fully aware of my debts. However, I was trying to be responsible in consolidating all debts and paying back as much as I could. Now let 's fast forward almost seven years later since my initial irresponsible I did manage to pay some of the debt in full and or settled for a specified amount. As it feels great to have this behind me grant I am not proud of what I did in getting into debt I 've learned so much from this mistake that now at my age where I have clarity and know what I want out of life I 've managed to establish responsibility as an adult. However, now that I am taking my credit worthiness seriously I managed to run my own credit report through Experian to determine where I am at credit wise? I 'm very glad I did because within the report I noticed all my old irresponsible debt still haunting me and looking at the age of these accounts I did some research and noticed that creditors or credit collectors should of stopped negatively reporting on these accounts if they were settled. XXXX of my accounts from XXXX XXXX show " Collections '' however, I settled with a credit collector for the same accounts and that creditor shows " Charge-off '' On my XXXX report there is a discrepancy for a XXXX XXXX XXXX account where the account status shows " Open '' but on my transunion report it shows status as " Closed '' which is accurate because the specified amount was paid in full. Now I am not looking for an easy way out of my past its just that I want to move forward with my life and be able to purchase a home some time in the near future and I want to do whatever is necessary to get my concerns with my credit report addressed. I know this is my initial step in the right direction in getting my credit score back up even if its by a few points I want to know what are my options at this point in time? We all make mistakes and I 've learned from them in many ways.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company
State: NY

Complaint narrative:
this is a formal complaint against Statebridge Company LLC- This Company was our mortgage Company from XXXX XXXX to XXXX XXXX. This Company has been negligent and irresponsible in paying our School Taxes for the entire Tax period from XX/XX/XXXX-XX/XX/XXXX and School Taxes for the second half of XX/XX/XXXX. They have also failed to pay the General Taxes for the second half of the year XX/XX/XXXX.This resulted in a lien against my property for {$14000.00}. The current Loan servicer ( XXXX XXXX XXXX ) which took over our mortgage in XXXX XXXX took our {$14000.00} from our escrow payed off the lien that this negligent company caused and then started out paying our taxes giving us a negative escrow from jump. A claim was filed with consumer finance against XXXX XXXX XXXX under ( COMPLAINT # XXXX ) - so this is a follow -up complaint to get the right party in the mix. We will be providing you with all the documents that was initiated from XXXX. This Statebridge Bank is despicable and have caused us great harm and XXXX. We would like to see Statebridge reimburse the amount of the lien so that we can move on with our lives. I am not about to lose my home because of the negligence of Statebridge Bank. Please cross-reference CFPB CASE # XXXX WHERE THERE IS A COMPLAINT AGAINST XXXX. Please note that this is all interrelated so please be mindful of that .I will be sending all correspondences to your office by mail shortly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
- I Got a copy of my Experian, XXXX and XXXX Credit Reports on XX/XX/2017. 

- I Found an Unknown Fraudulent Account with XXXX - Account Number XXXX being reported only on Experian Credit Bureau - I Sent Experian a Dispute Letter and request for validation on this unknown account on XX/XX/2017 by USPS Priority Mail Tracking # XXXX - Experian received the Dispute Letter on XX/XX/2017 as USPS tracking system shows. 

- Experian Fraudulent Verified this Unknown account and Updated on XX/XX/2017, they claim to have verified the information in the record and identified the provider of the information as XXXX. 

- On XX/XX/2017 I Contacted XXXX and questioned them about this Fraudulent account, they denied having this or any other account in their records that will match my name and social security number. 

- As of XX/XX/2017 Experian is still Fraudulently reporting this Account in my Credit Report - I have attached proofs of this whole process - To Whom It May Concern Please be advised that I have request " Validation '' not Verification. They failed to provide me with verifiable information substantiating that this Unknown XXXX - Account Number XXXX is indeed accurate and did not do so within 30 days.This reporting is a clear violation of the Fair Credit Reporting Act. As a result, I have been gravely affected and my score is suffering. 

- Due to all of the above, I am requesting that this Unknown Fraudulent XXXX - Account Number XXXX be permanently removed from my Experian credit report 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 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have an account reporting with Experian which does not belong to me, XXXX and have disputed with them twice and do not get anywhere! I need this acccount off my record immediately, since it does not belong to me!

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 2015-06-27 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Moore Law Group
State: CA

Complaint narrative:
I received Declaration from The Moore Law Group in XXXX. If I fail to pay the amount of XXXX will enter the judgement. I don't know what's that mean. First of all my XXXX debt was already removed from my credit report because it's a long time credit starts somewhere 2001. Please advised.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
After my first inital complaint ( XXXX ) I was contacted on my cell phone by someone at WellsFargo. I missed the call and called the number directly back. After speaking to the lady who answered the phone I was transferred to another lady, only to be disconnected during that transfer. Luckly I had the phone number and extension and called it right back, only to get a voicemail. I left a message and it took 2-3 days for a recall call. After being told my home specialist was changed from XXXX, who never returned my calls and was rude I was told I have an XXXX. I called XXXX direct number and left a message on XXXX/XXXX/15 @ XXXX to return my call. After not being called back I called and left another messsage on XXXX @ XXXX pm.. I still was not called back. I left another message on XX/XX/XXXX @ XXXX, finally I called again at XXXX using a different method other than his direct line. Needless to say he answered. When he asked what I needed, I explained I just wanted to know what was going on with my account. He said I needed XXXX full payments or I could do a short sale or foreclosure. I had explained how I had left him several messages and had left XXXX several as well. I tried leaving a payment on XXXX voicemail a month or so ago since she never called back. XXXX explained they can not take payments from voicemail. I was never called and told that, so how would I have known. No one calls back nor do they care if a family is about to lose thier home. I had sent XXXX the paperwork she requested when she was over my loan and even a letter explaining how my husband at the time had lost his job. I have to wonder if by me doing these complaints, is Wellsfargo is going to make this worse for me? 
This bank does n't seem to care and after reading all the complaints online I see why they get them. I do n't even know what to do or where to turn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc.
State: SC

Complaint narrative:
CMI contact me concerning an unpaid debt to XXXX in the amount of XXXX. I do not live at the address given nor do I have services with 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 non-monetary relief