vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-19 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: FL

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bierer Law Group, P.A.
State: MD

Complaint narrative:
I, XXXX XXXX have been abused for years on a privatized student loan debt that is no longer enforceable in the state of XXXX. This debt was originally procured through XXXX XXXX XXXX, then assigned to XXXX XXXX XXXX XXXX XXXX XXXX. Now I was living in the state of XXXX   when I dropped out of college several years ago. I have been harassed with multiple collection agencies for these years. The statute of limitations for XXXX is 5-years. Since I now live in XXXX   the statute of limitations is 3-years. This student loan never had a connection to the U.S. Department of Education. However, for years I have been harassed by a company known as XXXX XXXX. This agency has moved this collection to my personal credit report as well as my mothers credit report. Now the scam has gone to a new level of corruption. XXXX XXXX has no standing legal collection process. So recently they assigned the collection to a law firm known as The Bierer Law Group, P.A., located in XXXX, XXXX XXXX. An agent that has my power of attorney made a settlement offer on two occasions. There is not even a requirement to settle the matter. An individual from this law firm stated that their client has refused both offers. When a demand for the law firms client was, the name was refused. We all know that this is XXXX XXXX trying a new threatening method trying to collect a debt no longer owed. The timeline for summary judgment has passed for both XXXX and XXXX. This aggressive collection practice is a clear violation of the Fair Debt Collection Practices Act. The third-party must always be presented, and this is not the case in this matter. The one-time settlement offer presented by my agent is still on the table until XX/XX/2019. After that date, I will file a complaint against Bierer Law Group, P.A. with the XXXX  XXXX XXXX. 
In XXXX, the statute of limitations requires that a law suit be filed within 3 years for written contracts, and 3 years for open accounts, such as credit cards. For credit card debt it means the date of the last activity on the account or the date the account was written off as a bad debt was at least 3 years ago. This means that if your account is older than 3 years you can raise the statute of limitations as a defense to the complaint. However, the statute of limitations only covers the right of the creditor to sue you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported from XXXX account numbers # XXXX and # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2016. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, 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 2019-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
These people are monsters! Blocked me from being able to email them documentation and their requested information via their secure links so that I can not state my case for my disputes, which means I automatically lose! Called Capital One three times and spent 2 and a half hours in total over this and got NOWHERE!!! Just 2 and a half hours of my life I'll never get back and a boatload of aggravation!! Two agents shifting the blame on me stating I need to try using a different device or browser.. Third agent after the third time I called, admitted they actually put a block on my account which prevents me from being able to submit documentation via their links!!! These people are nothing but a bunch of shady characters who treat their customers like garbage and the Federal Reserve should shut them down! If they're not going to take the block off then they need to automatically award my disputes in my favor!! If I mail in my documentation, based on what they did with my account, they're just going to lie and say they never received anything! With emailing it, you get a confirmation it was received along with a reference number. Mailing it gives you nothing. I would have to send it via certified mail, and I'm not going to A -- be inconvenienced by having to drive out of my way to the post office, and B -- pay to send out mail all because Capital One wanted to play these wretched and despicable games!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SIMM Associates, Inc.
State: MD

Complaint narrative:
I, XXXX XXXX have been abused for years on a privatized student loan debt that is no longer enforceable in the state of XXXX This debt was originally procured through XXXX  XXXX XXXX, then assigned to XXXX XXXX XXXX XXXX XXXX XXXX. Now I was living in the state of XXXX when I dropped out of college several years ago. I have been harassed with multiple collection agencies for these years. The statute of limitations for XXXX is 5-years. Since I now live in XXXX the statute of limitations is 3-years. This student loan never had a connection to the U.S. Department of Education. However, for years I have been harassed by a company known as Simms Associates. This agency has moved this collection to my personal credit report as well as my mothers credit report. Now the scam has gone to a new level of corruption. Simms Associates has no standing legal collection process. So recently they assigned the collection to a law firm known as XXXX XXXX XXXX XXXX, XXXX, located in XXXX, MD XXXX. An agent that has my power of attorney made a settlement offer on two occasions. There is not even a requirement to settle the matter. An individual from this law firm stated that their client has refused both offers. When a demand for the law firms client was, the name was refused. We all know that this is Simms Associates trying a new threatening method trying to collect a debt no longer owed. The timeline for summary judgment has passed for both Florida and Maryland. This aggressive collection practice is a clear violation of the Fair Debt Collection Practices Act. The third-party must always be presented, and this is not the case in this matter. The one-time settlement offer presented by my agent is still on the table until XX/XX/2019. After that date, I will file a complaint against XXXX XXXX XXXX, XXXX. with the Maryland Bar Association. 
In XXXX, the statute of limitations requires that a law suit be filed within 3 years for written contracts, and 3 years for open accounts, such as credit cards. For credit card debt it means the date of the last activity on the account or the date the account was written off as a bad debt was at least 3 years ago. This means that if your account is older than 3 years you can raise the statute of limitations as a defense to the complaint. However, the statute of limitations only covers the right of the creditor to sue you in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2018. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, 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 2019-07-19 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: OH

Complaint narrative:
Hello There the items below do not belong to me, and they are stopping me from buying a home. 

XXXX XXXX XXXX  account # XXXX Amount {$1200.00} XXXX XXXX XXXX ACCOUNT # XXXX {$1100.00} XXXX  XXXX ACCOUNT # XXXX {$720.00} XXXX XXXX, XXXX ACCOUNT # XXXX {$480.00} XXXX XXXX  # XXXX AMOUNT {$85.00} XXXX XXXX # XXXX AMOUNT {$80.00} XXXX XXXX  # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  ACCOUNT # XXXX AMOUNT {$0.00} XXXX # XXXX AMOUNT {$0.00} XXXX XXXX XXXX  # XXXX AMOUNT {$0.00}

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 2019-07-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear CFBP I am filing a complaint against TransUnion for failing to delete inaccurate information reported by XXXX XXXX account # XXXX. I wrote a very detailed dispute letter and provided full credit reports to display clearly the errors that were detailed in my writing. I received notification the dispute was complete, so I pulled my report on today to see the results. Unfortunately, they simply ignored the questions posed in my letter and did not provide documentation substantiating their position. In fact the status update date confirms that no investigation took place as it still shows XX/XX/2018. As a result, I am requesting that you require them to fulfill their obligations under the Fair Credit Reporting Act and remove these two accounts from my Transunion report. 

Thanks for you help in this matter, 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 2019-07-19 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:
Equifax and XXXX are reporting incorrectly a balance due of {$6800.00} on the XXXX XXXX partial account number XXXX. ( Please see page 12 of the attached credit report. ) On XX/XX/2019 I went to the XXXX XXXX precinct and filed an identity theft report. While checking my credit report, I discovered that an unknown individual opened several accounts and did about 30 inquiries with my personal information. I have moved several times and at one point I lost my drivers license and social security card. I did not open this account nor did I give anyone authorization to use my personal information to open and account. I have attached a copy of the police report prepared on XX/XX/2019 along with a copy of the signature page. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to resolve this, however I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Applied for loan modification after a status of employment and income changed due to the company I worked for being closed, therefore unemployed. I was not given a clear reason why my modification request was denied, but example such as credit score was referenced as possible reason. Mortgage origination date is XXXX, an 80/20, conventional & equity combination. Equity is adjustable rate. Conventional is 6 %. The mortgage was not reaffirmed after bankruptcy filing but plans to keep the home and continue payments. After divorce, XXXX XXXX XXXX XXXX looking for a career, and hardships with companies and consistent pay, I have had trouble making payments on time. When denied for modification I realized the lender had suddenly started reporting missed/late payments years after bankruptcy was filed when they had previously not reported against my credit ( my score improved but then dropped once reporting missed payments ). Lender is aware of bankruptcy and denies reporting, credit department states they dont acknowledge the issue hence cant correct it, and improper reporting has affected my ability to qualify for modification, refinance with another company and secure decent employment due to pre-screening credit analysis cause my work skills are in real estate and financing. The issue is affecting me personally, as far as finding new employment and foreclosure risk. I have significant equity in the home, $ XXXX {$75000.00}, and the lenders only requested solution is deed in lieu or short sale. I feel this is because of the equity to lenders advantage. A history of misreporting and applying payments correctly and have requested account history on several occasions to no avail. Wells Fargo Mortgage, Wells Fargo Bank, f/k/a Wachovia Bank, has trapped me into the hardship with no solution to recover without outside, escalated assistance.

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 2019-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Navient keeps calling me everyday. I had to look them up to find out what they were. I told the person I have no student loans. I confirmed my name. He insisted that I give them my social security number over the phone ... .I WILL NOT DO THAT! I even asked them to tell me my last four digits to confirm them ... .he refused. He will not take me off their list. I asked for a supervisor, he says he tried but they are all busy. I bet they are! 
He mentioned a university or college I have NEVER heard of ... that did not phase him. He mentioned an address supposedly for me that I have NEVER heard of ... that did not phase him either. 
If they are legitimate, why are they operating this way? I said send me a letter stating what you want because I am not giving out any information over the phone ... no response to that. 
I will say this also happened a few years ago, I asked them to stop and after a long while they finally did. But they have started up again. Any student loans I had were paid off long ago -- a fact that is verified on my credit report. 
I want this company to stop harassing me and all other innocent people!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
ON XX/XX/2019 I WAS FRAUDED FOR THE AMOUNT OF XXXX. A PERSON BY THE NAME XXXX XXXX STATING THAT HE WAS FROM THE LOAN MODIFICATION DEPARTMENT FROM M AND T BANK MORTGAGE COMPANY. HE STATED HE WAS REACHING OUT TO ME REGARDING THE LOAN MODIFICATION REQUEST I HAD LOOKED INTO A SHORT TIME BACK. HE STATED THEY WERE ABLE TO HELP ME WITH THE LOAN MODIFICATION AT THIS TIME. HE STATED THAT I HAD TO PAY THE ESCROW FEE OF XXXX IM LIEU OF THE REGULAR PAYMENT. THEN THEY COULD PROCEED WITH THE MODIFICATION. AFTER SPEAKING WITH HIM FOR A SHORT TIME HE ASKED WHAT WOULD BE A REASONABLE PAYMENT AND I TOLD HIM ABOUT XXXX A MONTH. SINCE I AM ON A RETIRED INCOME BUDGET. HE SATED THAT HE COULD LOWER THE PAYMENT TO XXXX MONTHLY. THAT THE FIRST 3 PAYMENTS WOULD BE THE TRIAL PAYMENTS AND HAD TO BE ON TIME. AFTER SPEAKING WITH HIM I CALLED M AND T BANK USING THE NUMBER I HAVE ON MY PHONE AND VERIFIED THAT IF SOMEONE FROM THE MODIFICATION DEPARTMENT CALLED ME A N EMPLOYEE FEMALE STATED YES THAT THEY DO CALL OUT AND REACH OUT TO CUSTOMERS. SO I PROCEEDED WITH EXCITEMENT THAT IT WAS /HE WAS LEGITIMATE. I MADE THE FIRST PAYMENT AS STATED ABOVE. HE ALSO STATED NOT TO MAKE THE REGULAR PAYMENTS THAT THE NEW AMOUNT WOULD BE THE NEW PAYMENTS. WHEN I WAS GOING TO MAKE THE SECOND PAYMENT SOMEONE TOLD ME THAT A MORTGAGE COMPANY WOULD NEVER ASK FOR A MONEY CARD TO MAKE A PAYMENT. SO I CALLED M AND T BANK THE MODIFICATION DPARTMENT AND THEY TOLD ME THEY HAD NO LOAN IN PROCESS AND THEY HAD NOT RECEIVED THE PAYMENT. I SPOKE WITH A XXXX A THERE AT THE REAL M AND T BANK. AND EXPLAINED I WAS A VICTIME OF FRAUD AND IF THEY WOULD WORK WITH ME. ALTHOUGH THEY WERE SOMEWHAT SYMPATHETIC, THEY SAID I HAD TO PAY TWO PAYMENTS BY END OF XXXX TO AVOID FORECLOSURE. SINCE THEN I HAVE FILLED OUT AND MAILED A MODIFICATION PACKAGE ON XX/XX/2019 AND SET UP THE PAYMENT FOR XX/XX/XXXX FOR THE TWO MONTHS. I ASKED IF THEY COULD PROCESS THE PAYMENT N XX/XX/XXXX THAT I WOULD HAVE THE MONEY NEEDED IN BANK BY THEN. THEY SAID NO THEY COULD NOT WAIT UNTIL XX/XX/XXXX. THAT I HAD TO HAVE THE PAYMENT BY XX/XX/XXXX. I FEEL SINCE I WAS A VICTIM OF FRAUD THAT THEY COULD WORK WITH ME ALL I NEED IS TIME TO CATCH UP THE PAYMENTS. THEY WERE NOT AS SUPPORTIVE AS I THINK THEY COULD BE.UNDER THESE CIRCUMSTANCES, I AM FILING THE COMPLAINT BECAUSE I BELIEVE THEY COULD WORK WITH ME TO CATCH MY PAYMENTS UP UNDER THESE TERRIBLE CIRCUMSTANCES I TAKE FULL RESPONSIBILITY THAT I MADE A MISTAKE AND WAS FRAUDED.

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 2019-07-19 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: NC

Complaint narrative:
On XX/XX/2019 I applied on line qith my current mortgage company for a 2nd home loan. I was denied. Immediately, after that I started getting calls from representatives from quicken loans but in a different department attempting to offer me a new FHA rate. I said no to at least 3 different people and I asked them to remove my information but that did not happen. So on XX/XX/2019. I receive a call from another quicken representative XXXX XXXX and I finally agree to listen to his sales pitch but it would have to wait until XXXX later that day because I was at work. I explained to XXXX that I did not want my credit ran a 2nd time because his company had just ran my credit 6 days ago and he should be able to use that. At XXXX XX/XX/XXXX I get a notification that a hard inquiry had been added on all 3 credit reports. Shortly after I get a call from XXXX. I advised XXXX that I did not authorize another inquiry and I am very upset by this. I asked them to contact the agencies and have the inquiry removed due to it was unauthorized and fraudulently pulled. Matter of fact it was done without me being on the phone. XXXX 's superior was listening in and took over the call. He argued me down that this would not impact my credit. I advised him I dont care I want it removed because it was done without my knowledge and consent. He continued to stress his point. I got no resolve from him. I need this inquiry removed from my credit report with all 3 credit bureaus

Company response to consumer: Closed with explanation