vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Stearns Ventures, LLC
State: MN

Complaint narrative:
In  XXXX    XXXX  , my husband and I began the process of looking for a home loan.  Stearns Lending  was recommended to us by a realtor who worked with Stearns. We applied to see what we qualified for and the lender,  XXXX   XXXX  informed us that we could qualify for $  XXXX . We were excited and began shopping. On  XXXX   XXXX , we found a house in  XXXX , MN. We made an offer the following day and our offer was accepted the next day. We asked the lender if they would be able to accommodate the closing date of  XXXX   XXXX  and we got a resounding yes!   So, the process began, we had to provide them with statements, bank accounts, letters, etc Each requirement we have provided and yet there always seems to have a blockage with  Stearns. There was a period of about 3 weeks where we could not get a hold of the lender ; they never respo nded to any of our emails nor returned or calls. The closing did not happen  XXXX   XXXX . It was extende d 3 more times with excuses ranging from a family emergency to the appraisers not showing up at the property. The worst part is my family and I must pay another month of rent because the closing never happened. Our credit was pulled 2 more times after the initial application due to the postponed   closings.   Then after 2 months of excuses, we finally decided to go with another lender. And they got get our house closed in 9 days!    Stearns  dropped the ball numerous times and their apology was not substantial. They discounted some fees for us because of the circumstances but that would not be enough for the he aggravation, worry and time they have wasted.

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 2017-05-11 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: FL

Complaint narrative:
I HAVE SENT CERTIFIED LETTERS ON  3 DIFFE RENT OCCASIONS TO ALL CREDIT BUREAUS (   XXXX      XXXX   AND TRANSUNION  ) IN REGERDS T O ALL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND MY  NAM EIN  DIFFERENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XX/XX/XXXX  , XX/XX/XXXX  THOSE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I  FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  XXXX  ACCOUNT FROM TEXAS BU T LEFT  ANOTHER  XXXX  IT ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may c oncern, I mailed a Multiple Inquiry Removal Letter on   XX/XX/XXXX  by  certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the lett er on  XX/XX/XXXX  and they completed the request on  XX/XX/XXXX . The request that I submitted in cluded  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCRA  623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-05-11 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: FL

Complaint narrative:
I HAVE SENT CERTIFIED LETTERS ON  XXXX  DIFFERENT OCCASIONS TO ALL CREDIT BUREAUS (  XXXX , EXPERIAN AND  XXXX   ) IN REGERDS TO A LL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND M Y NAM EIN DIFFER ENT FORMAT WITH ADDRESSES BELONGING TO CALIFORNIA AND TEXAS WHICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS   XXXX    , XX/XX/XXXX  THO SE ARENT MY BIRTHDATE, MY BIRHDATE IS  XX/XX/XXXX  I FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  ONE ACC OUNT FROM TEXAS BUT  LEFT ANOT HER  ONE IT  ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX  TX THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may co ncern, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to t he FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the dispute d information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

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 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Card representative called me today about an outstanding balance on   XXXX    c redit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with  Discover and have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with Discover bac k i n  XX/XX/XXXX . I infor med them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after the  phone3  call today I 've learned that they did n't close out the card and that there ar e  XXXX  additional cards opened fraudulently with Discover. Their i nvestigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back i n  XX/XX/XXXX  that they were fraudulent. In  XX/XX/XXXX  I was  advised by  XXXX  to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need  these  XXXX   accounts closed as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ROC Asset Solutions, LLC
State: CA

Complaint narrative:
A third party debt collection agen cy ( AP I Recovery Solutions ) not only called me on my cell phone, but also my parents ' house and cell phones, threatening to take legal action if I did not contact them and pay this debt. Since it was for a payday loan (   XXXX   ) I had defaulted on a long time ago, I thought it might be real. I asked for a detailed letter of the debt and to take my parents off their calling list. I received an email with an attached letter from them on  XXXX / XXXX / 2017 . It had my maiden name on the letter, not my current legal name. And, I had set up a payment arrangement with them to auto charge my debit card on the  XX/XX/XXXX  and the  XX/XX/XXXX  of every month. It was supposed to be {$420.00} for the firs t 2  payments and then {$100.00} for the rest of the payments until the debt was paid off. To authorize my payment, I had to sign a document giving them permission, which I never did. They had charged my card {$420.00} on  XXXX / XXXX / 2017  and  XXXX / XXXX / 2017 . And, so far have charged my card {$100.00} on  XXXX / XXXX / 2017 , instead of just {$100.00}. They never sent me a schedule of payment. And, even after the fir st 2 pa yments came out, they called my Uncle and left a threatening voicemail.     I called the original debt company, and they told me they sold my debt to another company (  XXXX   XXXX  ), who informed me they sold the debt  to API.  Since I was a ble to trail API t o  XXXX , I thought the company was legit. However, charging my card with no signed authorization, charging my card a different amount than agreed, no payment schedule, and contacting my uncle after I had already set up an arrangement, made me suspicious.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Seterus, Inc.
State: PA

Complaint narrative:
I have spoken with the mortgage servicer/Debt collected about not contacting me. My late payments were covered by hemap, I mailed them a copy of my letter and I still being harassed and told that foreclosure proceedings have begun.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
I have tried to dispute and contact this agency for the past two years but they will not comply with my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I called   XXXX   XXXX   XXXX   XXXX  and spoke to  XXXX . I called in response to the written letter that this company sent to me. They said that the debt I had disputed was valid. I looked up my receipt from  XXXX . Not only is the amount owed incorrect. On the bill they sent me there was unreturned equipment which my  XXXX  receipt show was returned. I used to work for  XXXX  and I know as a matter of fact that  XXXX  is well known for charging for service after the disconnect date as shown on the bill that was sent to me. I disconnected service on    XXXX   XXXX  , 2017 and returned  all of my equipment as well on that day. Also my receipt shows my current bill amount that was not the same as Convergent says I owe. I have tried during my call to get them to talk to me about the bill which they themselves said was not mine as my social security number did not match and told me to call  XXXX . When I called  XXXX , they told me to call Convergent. I want to make sure that this bill does not ever show up again on my credit report. I have attached all the documents to show the error

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 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I am submitting a response to  DiTech 's  comments based on a complaint submitted to the CFPB ... ( #  XXXX  ) I could not respond on the site online after the original complaint, because the computer would not allow me ; so I am submitting another complaint ....    DiTech  's response comments are distressing to me based on the following :   1. DiTech never answers any of my complaints but repeatedly states the same erroneous comments.
2. I have and am paying DiTech {$1000.00} a month which is well over the monthly amount requested with an " unapplied '' balance that consistently grows each month. DiTech never applies or discusses these $ amounts and only " uses '' them when they attempt to Default my loan and take my home .... ( subtracts these $ amount from the total they want me to pay to COME CURRENT ) 3.. Although I pay {$1000.00} every month ; every 2 to 3 months I still get a notice to Default to take my home with an elevated amount to pay at a specific date.. I   still have always complied either immediately or with the direction of a supervisor who corrects said amount to pay. It has ALWAYS been an amount to COME CURRENT ... Therefore, how within the ne xt 2 to 3 month s is that action to Default again attempte d by DiTech even though I never skipped a payment but have paid consistently OV ER and ABOVE the regular monthly amount paying {$1000.00} on a     XXXX   XXXX    m  o nthly bill.    4. I am paying an interest rate that is one # when I call and substantially higher when other companies research my loan. DiTech h as never tried to lower nor have they given me positive progressive ways to better pay off my mortgage. All I have gotten fro  m DiTech and its employees is negative harassing and aggressive tactics, pushing me to Default on my loan.
5. In response to this, DiTech keeps erroneously comm  enting on a   XX/XX/XXXX payment at t he beginning of my being Pushed into an account with DiTech in    2013, a  whole 4 years ago that I have paid off over and over again when they bully me to pay these large amounts to COME CURRENT and then in  the next 2 to 3 month s do the same thing. If I have COME CURRENT then I AM CURRENT .... My monthly statement should not reflect an extra " Pre/Post Dated '' month that I will be charged for with a letter in this vicious cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On   XX/XX/XXXX  I ord ere d   XXXX   items  through  XXXX , which uses Paypal to make payment. The cost according to  Paypal  were {$3.00} Item #  XXXX  Transaction ID  XXXX  and {$9.00} Item #  XXXX  Transaction ID  XXXX . I wanted to cancel the transaction. Paypal have refused to refund my money. It seems that the shipping of these items were by  XXXX   XXXX , who was unaware that they shipping items from  XXXX  that were paid for with Paypal. Using this particular method of independent vendor,  XXXX ,  Paypal  and  XXXX   XXXX  creates an atmosphere where it is nearly impossible to have a return or cancel an order when each of the companies places blame on the other partners involved in the transaction. To date I have spent ove r 4 h ours on the phone and have nothing except   XXXX    XXXX   XXXX . I have recently contacted Paypal speaking to a  XXXX  #  XXXX , supposedly a Disputes and Claims manager.  XXXX  wanted me to say that I was having problems with the vendor, I explained my problem was with Paypal because they were the ones that were listed by my bank for withdrawing the funds from my checking account. In my opinion Paypal is the major participant because they were the ones who deducted the monies from my account. Once I became aware that  XXXX   XXXX  was involved I have tried to cancelled the order. Paypal has accepted no responsibility and yet accessed my checking account. Paypal has locked me out of my account so I am unable to provide transaction details.

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 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
My mortgage company  Ditech  changed the monthly escrow amount during my  XXXX    XXXX   statement and due to business travel, I missed their letter informing of the increase of {$29.00}. I have auto pay being set up with my bank which did payment on time but short of {$29.00 } ( escrow increase ).  This resulted in a late fee of {$33.00}. I called on  XXXX  to asked if the fee could be voided which they refused. I explained that considering my escrow balance is positive of {$450.00} and that they received my payment for the principal, the interest and most of the escrow monthly fee, they should not consider this a missed payment and therefore should not trigger a fee for this type/scale of error. I think this is unethical practice from a loan servicer and would like to file a formal complain.   My loan number is  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax after several complaints about incorrect information involving   XXXX   XXXX  ,  XXXX   XXXX ,   XXXX   XXXX   Equifax keeps opening closed accounts and showing us as overlimit on a closed account while I and my wife are in chapter  XXXX  bankruptcy. the following is occurring without proper correction,   XXXX   XXXX   should be open and current and is showing closed and  one  missed payment we have never been 30 days late ever on it,  XXXX   XXXX  showing open and current they are closed and part of chapter  XXXX  to be discharged when chapter  XXXX  completed.   XXXX   XXXX   started open and 109 percent over the limit now its shows closed and  109  percent over the limit. all this is totally incorrect and driving my credit down below what it should be with misinformation. and after continually disputing them all the they can find is the debts are mine. well duh they refuse to make the correction without admitting errors

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
In  XXXX   2017 I g ot a credit report pulled and it was showing that I had been   XXXX  t imes late on my car payments with   XXXX   XXXX   I call them that day and they told me that I was behind on my car payments  XXXX  difference cars. I told them that I had the bank statement show that I did pay them and on time. I had to fuix to them my Bank statements it took them three months before they gave me credit for  thos  payments there was two payments that they told me that I did not pay I fax a letter to  XXXX  and told them they must report to all  XXXX  credit agents that I had not been late. But they never did. I have been on them since  XXXX   2017. I g ot a call today from  XXXX  saying they wanted to let me know that they was going to have  XXXX  late 's removed from my credit reports. i told them that they was going to cause me to loss our home because I have a bloom payment in  XXXX    XXXX  . The lady said so there is nothing that I am going to do about that. I call the head office of  XXXX  in  XXXX  IL. and they sent me my pay History and it show that I have never been Late on my payments. I have a loan company called  XXXX   XXXX   XXXX  that is working with me on refinancing our home But they are telling me that they can not do the loan until I get all off my report. I even sent they my bank statement showing I had paid them on time. I need your help. I have all the proof to all  XXXX  credit Bureau 's and they still have not removed anything and it has been three months. I have sent it them each month and all the proof that this is fraud from  XXXX   XXXX . Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Loan #  XXXX  The   XXXX   XXXX   XXXX   XXXX    XXXX  FKA the   XXXX   XXXX   XXXX   XXXX   as Successor indenture Trustee to  XXXX   XXXX   XXXX ,  XXXX  as Indenture Trustee for the  XXXX    XXXX       XXXX   XXXX   XXXX   XXXX  , Serie s  XXXX  We  have been unable to pay the amount due as we have fallen behind/short some months ago due to major increase in the monthly mortgage payment, My wife  XXXX  and I have recently separated. Im a   XXXX   XXXX   XXXX   and due to the market Ive had a drastic decrease in income. My wife currently working  part time and is searching for something more full time.      BAC modified the first loan in  2009.  we need help with the second loan. Our intention is to keep our home with the help of a reducing our monthly mortgage payments in order to get back on track. We have reached out to Bank of America asking for assistance with a Modification and I 've been declined 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 explanation