vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It May Concern, I'm writing today to ask your assistance in helping my wife and me secure an equitable loan modification that will allow us to remain in our XXXX home. We simply dont know where else to turn, as you will understand after reading our story. 

For the past 10 years, weve lived with the knowledge that our home is in pre-foreclosure status despite our best efforts to secure a loan modification from XXXX, XXXX XXXX, EverBank and now TIAA Bank. Full disclosure : We did renege on a previous modification that was unfairly handled by the banks ; for two years, we made monthly payments of {$2400.00}, but we simply could not afford the inexplicable 50 % increase to {$3600.00}.

Weve been told various different reasons why we dont qualify, creditworthiness, financial, not enough equity and the investor, who we've been told is XXXX XXXX but supposedly is XXXX, just won't approve it. The first time about five years ago was supposedly due to our credit, despite the fact that we had credit scores over 700 ; we have no car, student loan, or credit card debt ; and our small business has experienced exponential growth over the past few years, significantly improving our financial situation. 

We are taxpayers, members of the XXXX XXXX Chamber of Commerce, and supporters of our military and veterans as well as many local charities. Were assets to our community, even with the potential of losing our home hanging over our heads. It has also been a huge stress on my wife 's senior mother who we help out by having her live with us. 

We have an excellent accountant whos been helping us with the loan modification paperwork and has quite a bit of evidence to support that weve been given the run-around by the lenders. He also has two other clients in our same exact situation but different banks and he was able to get them both a loan modification. Weve paid thousands of dollars in legal fees over the past 5 years to prevent a foreclosure, but are truly stumped over what to do next. Were not even sure who owns our loan, as it was securitized. It was transferred to XXXX by a confirmed robo-signer and now XXXX XXXX claims ownership out of thin air. 

Its important to note that had a modification been approved 5 years ago, the money that went to our attorney and accountant would have gone toward paying down our loan. Instead, our arrears have increased, making it harder to get the loan modification and putting our house in a negative equity position. 

Can you help? We would really appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and 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 2019-05-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I reached out to you back last year in XXXX regarding some items on my credit. There are still items on my credit. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had paid this credit card off completely & was charged without knowledge by Bank of America {$1.00} & they canceled the card for no use by me but never notified me of their charge to the card. I had paid all charges to a XXXX balance on my part & they charged my card {$1.00} with zero notice to me & canceled my card for my non use of the card & then submitted it to the credit bureau ruining my credit. I spent hours & hours on the phone stating my claim with absolutely zero help from BofA reversing this action.

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 2019-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Nicholas Financial Inc.
State: AZ

Complaint narrative:
Ever since we fell behind on auto payments after my husband lost his job Nicholas financial has been calling us every day and it is always someone different we are behind one payment and our car is inoperable. I even explained to Nicholas financial what is going on and an email and we still get calls every day non-stop since XX/XX/2019 to present. XXXX XXXX and XXXX XXXX. Nicholas financial is in XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: GA

Complaint narrative:
Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX XXXX, Dpt of ed/XXXX, XXXX XXXX, XXXX XXXX and 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 2019-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: TX

Complaint narrative:
This is now the THIRD TIME this supposed debt has yet to reappeared on my credit report. This supposed debt was discharged not of my responsibility due to the un ability to prove financial responsibility. On XX/XX/2017 I received a document by mail from XXXX XXXX XXXX XXXX stating that after due diligence and international investigation of all information shared by all partys this supposed debt was false non existent and was ordered to be removed immediately never to be used again against me because there were no findings of financial responsibility. Yet despite a certified legal document in response to this supposed debt being false by XXXX XXXX, the companys XXXX XXXX XXXX and the original creditor PENDRICK CAPITAL PARTNERS LLC disregarded this filing and finding. XXXX XXXX XXXX XXXX then proceeded to contact me yet again against these findings and claimed that PENDRICK CAPITAL PARTNERS LLC withdrew this matter from XXXX XXXX XXXX XXXX despite their findings well after the date of these findings. In this legal document presented to me by XXXX XXXX XXXX XXXX that stated this supposed debt be removed immediately from all credit reports indefinitely. XXXX XXXX XXXX XXXX claim they sent a document proving these liabilitys, but the documents I requested as well as XXXX XXXX XXXX XXXX were not certified legal documents or copys of certified legal documents and or a certified legal contract or certified copy there of. Also XXXX neglected this discharge of debt order due to un ability to prove financial responsibility and allowed this supposed debt once again be put on my report. My previous CFPB Complaints in this matter are # XXXX and # XXXX / ID XXXX there is sufficient documentation on this matter in the CFPB archives.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX   XXXX, Dpt of edXXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
Someone claiming to represent Navient calls my grandmother multiple times per week. 

They need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
This financial institution NationStar Mortgage LLC, has sued me in a foreclosure in which I have asked for a validation of that debt in which the institution assumes to be the representative of XXXX XXXX XXXX   XXXX XXXX, Trustee, on my property which I have asked to be the institution supposed to be the account creditor, I have requested, as you have obtained this note and mortgage, I want your department to intervene in questioning the operation of this financial institution NationStar Mortgage LLC, since this institution was fined in the past by your department for numerous federal and state violations regarding the procedure of becoming account owners in an inappropriate manner, not following the federal laws and regulations of the finance department that requires you to comply with the law, such as RESPA, TILA, where the procedures for obtaining consumer accounts and respecting all procedures must continue to apply. established by federal law of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi I sent a complaint regarding items on my credit that are not mine. I went to try and get a home loan and was denied. I looked at my credit again and there are items on my credit that are still not mine. I've contacted the FTC and filed with the police. I'm doing this on my own behalf. Please remove XXXX XXXX XXXX, XXXX XXXX   XXXX/XXXX, XXXX XXXX, XXXX XXXX and 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 2019-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Multiple Wells Fargo credit accounts showing XXXX dollar amount owed but still open as active from the year XXXX to the year 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 2019-05-22 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: TN

Complaint narrative:
I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX and 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 2019-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and 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 2019-05-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I went to my bank to get a loan and they told my that they couldn't approve me at that time. I have been with this bank for 20 years. I went and pulled my credit and there are some items on my credit that still are not mine. I have contacted the FTC and the police. I'm doing this on my own behalf. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: AZ

Complaint narrative:
Company debit my account for $ XXXX on XX/XX/XXXX before my loan was due. Company claimed that the ACH would be refunded in a few business days. I waited 2 weeks before calling again. On XXXX XXXX. The company denied that the funds would be refunded and said I had to wait to hear back from a Manager or I could call corporate myself. Company informed me that my option was to pay off the loan amount, which does not include the $ XXXX ACH, and then receive a refund for the excess amount ( $ XXXX ). I have both conversations recorded. The first where I was told my funds would be refunded, and the second where I was told I had to pay off the loan to receive the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: GA

Complaint narrative:
I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and US Dep Ed.  Please remove from my credit.

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 2019-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central Portfolio Control Inc.
State: MA

Complaint narrative:
I received a call from XXXX from Central Portfolio Central on Monday, XX/XX/2019 at XXXX and he left me a voice message on my work voice message. I promptly returned the call at XXXX to XXXX / XXXX and spoke with XXXX . XXXX stated their was a {$26000.00} judgement against me and I advised I do not know anything about it. I never received communication regarding the debt or was notifed of a court date. I do not have any past due debt that I'm aware of. I advised XXXX not to call my work number again and he smartly stated I said that three times already and started to laugh. He went on to say they will garnish my wages. I ended the call since I was at work. I called back today to XXXX and left voice message to send me a copy of the judgement against me to my email account. I will fight this judgement since I didn't get a fair chance to attend the court date. This was my very first communication regarding this matter. This is not right, they shouldn't be able to scare you over the phone when you are in the dark and clueless what they are talking about, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and US Dep Ed.  Please remove from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Card Receivables Fund Incorporated
State: MI

Complaint narrative:
I owed a debt to XXXX which handed the debt over to Unifund CCR. Unifund took me to court back in XXXX and was awarded a judgement of {$5900.00}, and I have been making {$80.00} a month payments ever since. On XX/XX/XXXX I was contacted by XXXX XXXX from XXXX XXXX XXXX and I was told the debt was given to them. I paid {$2000.00} and was sent a letter stating the debt was settled. I received letter from Unifund on XX/XX/XXXX, from their attorney XXXX XXXX stating that I owed {$1900.00}. I don't recall the exact date but I called and explained that I paid the debt off and sent them a copy of the letter stating it was paid in full. I received another letter on XX/XX/XXXX from XXXX XXXX stating that I still owe the debt and they never authorized any other agency to collect. I called XXXX to explain what happened by they just directed me to Unifund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm kind of concerned because there are still items on my credit that are not mine. I went to refinance my car and they told me that I would need a co-signer. The finance man there went over my credit and there are still items on my credit that are not mine. I've contacted the FTC and the police. I'm doing this on my own behalf. XXXX and XXXX XXXX XXXX. Please remove from my credit.

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 2019-05-22 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: NY

Complaint narrative:
I am filing this complaint because XXXX  has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) ( A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue 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 2019-05-22 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to very the accounts i disputed. Being that hey have gone past the 30 day mark and can not verify these account, under section 611 ( 5 ) (  A ) ofthe FCRA - 'they are required to promptly delete all information which can not be verified '' That i have disputed. Please resolve this issue immediately.

Company response to consumer: Closed with non-monetary relief