vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
I found out about an alleged debt of {$230.00} placed on my credit reports ( XXXX, XXXX, XXXX ) on XX/XX/XXXX from Diversified Consultants stating I was delinquent on a balance from XXXX XXXX from XX/XX/XXXX. I have had no previous actual or attempted contact with Diversified Consultants before this showed up on my credit reports. 

I contacted XXXX XXXX directly and they assured me that they had record of appropriate payment information on record and that this is their error and should not have been placed in collections and that it would be recalled. 

I contacted Diversified consultants and they advised that they would not remove the collection, only update it as " paid '', regardless of the circumstances and the errors being on their side. I even offered to pay to remove this false and damaging collection from my credit report and pursue contact XXXX XXXX directly for a refund in leiu of moving forward with a federal lawsuit against them as that would be the cheaper option, Diversified Consultants declined. 

In my opinion, this is a shameless money grab, targeted a ruining peoples lives and reputations. I believe my rights in FDCPA and FRCA have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Experian, I checked my personal credit report, which I acquired from your company on XX/XX/XXXX and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/XXXX is still being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX  XXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is  complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. 

Very Respectfully, 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 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
PLEASE HELP ... HOW CAN I FIX THIS PROBLEM. 
I have contacted the Credit Reporting agency EXPERIAN several times about a disputed account that is still showing on my credit report negatively. The account was disputed and removed in late XXXX from my credit report. However, as of XX/XX/XXXX the same account is showing up on my credit report again as a negative account. I have requested to have removed and since been told it is an " ACCURATE '' account. I have asked to have proof provided that can validate that this account is mine and they say they have no such proof. 
Experian has stated they do not require any company that has reported derogatory information for a consumer account to provide any proof of the fact that the information being reported is correct, true, or justified. They take the reporting company 's word for the information being provided and its up to ME as the consumer to figure out how to fix the problem. The consumer credit report impacts not only my ability to get or obtain financial credit but also affects my lively hood in reference to obtaining a job, an apartment, car insurance, and even health insurance. Since EXPERIAN and other credit bureaus are reporting false and inaccurate information to my consumers credit file are they not held responsible to verify its accuracy and content. I have tried several ways to correct this information and dispute via online, email, fax, phone call to customer service and each time I get no resolution and the same in accurate information is being reported. HOW CAN I FIX THIS PROBLEM.

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 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CA

Complaint narrative:
AmeriHome, Loan # XXXX I paid off this loan in full on XX/XX/XXXX. To date ( XX/XX/XXXX),  I  have not received my surplus impound account funds of {$4600.00}. I was now told that the initial check was sent but I never received it. This was back in mid-XXXX. They said they would send another check back in early XXXX ... .I have not received that either. I called today and they told me that they would generate a new work order which is what they said last time. 

I find this absolutely unacceptable and asked them to either XXXX  or wire the funds due me. They said they could not but would generate a " new work order ''. I don't feel I should have to wait on my money. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
We had to file a chapter XXXX in XXXX due to unemployment. After filing the chapter XXXX, both my husband and I found steady employment. Since the filing, our mortgage was sold from XXXX to Rushmore Loan Management Services. We received the notification from XXXX about the sale, but never anything from Rushmore. I sent in the first payment to Rushmore, from the information received by XXXX. I never received anything from Rushmore after that payment was made. I ceased payments, and sent a letter requesting to know if they still service my mortgage. No response from Rushmore. XX/XX/XXXX we receive a notification of foreclosure from them. I contacted my attorney for the chapter XXXX, who in turn contacted Rushmore 's attorney. A stipulation was agreed upon and filed XX/XX/XXXX. Since the stipulation, we have been making the monthly payments. On XX/XX/XXXX, we received a notification of default. Rushmore was claiming that no payment had been made since the stipulation. I sent copies of my cancelled checks to my attorney, who forwarded them on to their attorney. Today, XX/XX/XXXX I received notification from my attorney that Rushmore is still claiming that we are in default, after seeing the cancelled checks. They are now looking for an ungodly figure to be paid by Friday, XX/XX/XXXX. XXXX, or they will file the notice of default. They have been strong-arming even though they are in the wrong, just to get more money. I feel this is a very fraudulent act on their part and need to be put out of business. We are not the only ones who have been affected by Rushmore this way. I have attached a copy of the stipulation, XXXX XXXX XXXX   complaints and reviews, the notice of default, and emails from my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: NY

Complaint narrative:
These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I submitted an IDR renewal application to Navient on XX/XX/XXXX. I received an email from Navient on XX/XX/XXXX confirming that my renewal application had been approved. I believed that the issue was resolved at that point, but I received an email from Navient on XX/XX/XXXX stating that I had not submitted an IDR renewal application, and that my payment would be raised. I called Navient on XX/XX/XXXX, and spoke with " XXXX, '' who gave his employee identification number as XXXX. He told me that it appeared that the application had only been processed for part of my loan. He told me that he put in a request to the department responsible for processing the IDR requests, and that it would respond by XX/XX/XXXX. I'm going to either have to request a forbearance, or pay the higher amount. Either way, it costs me more money. This exact situation already occurred last year, and I ended up having to call three times after reaching this point in the process, before the third customer service representative finally took some sort of action that got results. They offer no sort of ticket number to follow up on their customer service problems, so each time I call, I have to start from the beginning with a new person. I have lost patience with Navient 's sloppy work, and I'm tired of having to jump through hoops to get them to fix their own mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Used my Bank of America account using XXXX to transfer {$400.00} on XX/XX/18 to a contact who shared phone number, email & full name with me. He confirmed receipt of money transfer and went missing. Bank of America can't help nor can XXXX. Would really appreciate my funds back especially since BofA sponsors XXXX transactions.

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 2018-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank line of credit My wife and I applied for a line of credit to pay for a kitchen remodel $ 10- {$30.00} Whatever would be available to us. 
Over a lengthy period of several months Citibank themselves increased the amount to over $ 80k and then turned the loan into a credit consolidation loan. 
In a very contrary move they have now just denied the $ XXXX loan on the grounds that we dont earn enough and a FICO score that they supplied of XXXX. 
We also own our $ XXXX condo outright with nothing owed and earn circa $ XXXX a year. 
We at no point asked for XXXX, that figure was pushed onto us by various employees at Citibank, we did and still only actually need between 10-30k! 
Is this legal for them to push the amount up themselves over $ 50k and then refuse Many thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I have Santander Consumer USA on my credit report and they are over 7 years old and should be removed from my credit report. Also, they sold the debt are hired XXXX XXXX XXXX after sending XXXX XXXX XXXX a Validation Letter they removed themselves off my credit report. But Santander Consumer USA didn't follow through with the same actions. I would like for Santander Consumer USA to remove themselves from my credit report because they are 7 years old and the FCRA and FACTA both states that the credit report has to have accurate information on it. In this case XXXX has not been following the Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
2nd Mortgage is with HFC, subsid of HSBC. The company, when calling the XXXX number, reports that the divisions, centers, resources in the US have closed and that there was a notification of who the new owners were of the mortgage. For years they have reportedly tried to contact me, via snail mail. electronic services have never worked, printed seemed like a better plan. NOW, need the XX/XX/2017 Taxes paid and the company is no longer in the US. More over, the payment is on autodraft, no contact details are available and if there were, it would only be to a processing center, not the actual company behind it, since they likely process payments for lots of company 's. Worse now, this 100 % inhibits any plans or change with the property, until the loan is paid off OR bought out by a refi to a company we CAN talk to. HELP, THERE is LITERALLY NOTHING THAT CAN BE DONE??? REALLY?? I saw mention of a class action lawsuit against HFC, for reckless, malicious intent, interest rates, unbelieveable behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: Diversified Consultants, Inc.
State: FL

Complaint narrative:
This is a request to investigate the following entities : XXXX, XXXX and XXXX for unfair and inaccurate and frivolous credit reporting methods and for lack of response ; and XXXX and Diversified Consultants, Inc. for reporting frivolous and inaccurate information with the intent to profit. 
On XX/XX/16, I disputed XXXX XXXX alleged " {$850.00} '' debt reported by Diversified Consultants to the 3 Credit Bureaus, and requested a " detail statement '' from XXXX in connection to the alleged debt. XXXX responded by saying that the XXXX XXXX debt was " reported correctly, '' by Diversified Consultants.

Diversified Consultants and XXXX have never provided a detail statement of the charges because the debt is frivolous with the intent to profit by using my credit record as a hostage until the frivolous debt is paid. 
The enclosed supporting documentation is proof that no monies are owed to XXXX/Diversified. It also shows that while XXXX was servicing my cells, XXXX continue to charge for a service not being provided. I contacted XXXX by certified mails, e-mails, phone conversation, in person without any success or response. 
It is my position that XXXX and Diversified Consultants, Inc. have not proved the alleged debt is valid. Therefore, I request that you investigate and have this frivolous debt removed from my credit history in the three ( 3 ) Credit Bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Re Loan from Citi Financial I am trying to get a reversal of my loan terms date which was changed from 15 years maturity of XXXX to 30 years without authorization or documentation. On XX/XX/XXXX, I asked for a decrease in my interest rate and was given an extension of my loan terms date to reduce payment amount which I never saw or signed. Please see supportive document uploaded.. 

I did not find out about the extension until a telephone customer service told me the terms years later. The loan has been sold several times and is now with XXXX XXXX XXXX. 

I realized that I was wrongfully harmed by this loan, and sought legal actions through 2 attorney. ( See attached documents ) My attorney did not fight for me in this process after being paid. Only a letter was sent and no rebuttal to CitiFinancial 's refusal to change the terms. Note, I had a previous attorney who only sent a letter but got no response from CitiFinacial. I was not aware of a Federal office for filing a complaint. 

The terms offered by Citi in XXXX stated was not in my favor because it contained a stipulation where I could even miss one payment. 

I am seeking to reverse the terms of this loan and recoup the damages that were done me. I would like a settlement of the loan terms with adjustments of interest back to the 15 year term. I would like damages paid for all loses I would like to know if the statue of limitations is still in effect for filing an individual suit if this is necessary. 

Is there a Statue of Limitations to file a Class Action suit to benefit others who might have been wronged. If so, what is the Statue of Limitations for the class. 

I would also like to know if I can currently sell my house and still file a legal action and seek recovery of losses. 

Thank you for your attention. Please email me at XXXX. 
This is my work email as I am also an owner in this company. My phone number is Work : XXXX and mobile is XXXX. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 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: NY

Complaint narrative:
These companies pulled my personal information without my permission. I have tried resolving with the companies and the companies would not delete their information off of my credit report. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LISTED TWICE NOWXXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/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 2018-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alpha Recovery Corp
State: FL

Complaint narrative:
Today, I am at work, unable to answer my personal phone. I see an alert that a phone number XXXX has called and left a message. Immediately after I get a phone call at my job from the same number. I answer my desk phone, the caller identifies himself as XXXX XXXX, does not give a company name, and will not answer me when I repeatedly ask what this is regarding. He finally says it is a personal matter, I reply than this is not the place to contact me and end the call. He then dials my mother and sister. My sister calls me upset, saying a man named XXXX XXXX is looking for me, he sounds very militant, would not tell her why he was calling, and is adamant that it would be in my best interest to contact him. He did give her a company name of Alpha Recovery and a different number than what he is calling from of 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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Step 1 : What is this complaint about? 

Unable to freeze my credit : Trans Union and XXXX  Step 2 : What type of problem are you having? 

Trans Union and XXXX both sent me in loops, with no ability to freeze credit. I was offered several times to buy into XXXX XXXX or XXXX XXXX services. 

Step 3 : What happened? 

I wasted over an hour attempting to get my credit frozen. Overseas reps and third party vendors were only interested in the sale, then they transferred me. I confirmed my SS # reluctantly SIX times. 

Step 4 : What company is this complaint about? 

Trans Union and XXXX Step 5 : Who are the people involved?

15 nameless individuals who could probably never be found. Trans Union and XXXX  know that locking or freezing ones credit isn't part of their profit model, so why make it easy if they're not being regulated to do so or even monitored.

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 2018-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MRS BPO, LLC
State: AL

Complaint narrative:
A loan account begin in XX/XX/XXXX as {$21000.00} with XXXX XXXX XXXX XX/XX/XXXX - charge off on account XX/XX/XXXX - MRS BPO LLC reports as {$30000.00}. 

The account is not accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I took my home mortgage through XXXX XXXX and eventually the home loan was sold to Wells Fargo. During my interaction with XXXX XXXX, I was told that my PMI will be removed if my home value is equal to or below 78 %. Currently my LTV is less than 78 % of my City 's appraised value. 

When I spoke to Wells Fargo, I was given 4 options and the most likely option that will enable the PMI to be removed says my LTV has to be 75 % which is misleading and unfair and not in accordance with terms I was told during the loan process.

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