vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
This complaint is against Mid America, C/O XXXX XXXX for 8 different RESPA violations under 12 CFR 1024.36c, 1024.36 ( 2 ), ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) for failure to respond to Qualified Written Request and Notice of Error Mid America Mortgage, C/O XXXX XXXX. Is the Mortgage holder as well as the Mortgage servicer.

In XX/XX/XXXX I noticed that the Mortgage company was not reporting our payments to the credit bureau.

I have made several Qualified Written Requests in accordance with 12 CFR 1024.36a to Mid America Mortgage , C/O XXXX XXXX. , requesting notes from our service file about the handling of our reaffirmation agreement.

XX/XX/XXXX Email to XXXX. XXXX  failed to respond within the 5 and 30 business days requirement, Violating 1024.36c, 1024.36 ( 2 ) ( b ) and or 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Qualified Written Request sent certified return receipt. XXXX failed to respond within the 5 and 30 business days requirement under. Violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Notice of Error sent certified return receipt. XXXX   failed to respond within the 5 and 30 business days requirement, violating 1024.36c, 1024.36 ( 2 ) ( b ), 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXXSecond Request for information ( QWR ) sent certified return receipt. XXXX  failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) XX/XX/XXXX Second notice of error sent certified return receipt. XXXX failed to respond within the 5 business days requirement, violating 1024.36c. 12 U.S.C. 2605 ( e ) ( 1 ) ( B ) This is a total of 8 different RESPA violations.

Under 12 U.S.C. 2605 [ f ] [ 1 ], 2605 [ f ] [ 3 ].

Since the servicer failed to take one of the required actions within the time limit, under RESPA, as borrowers, we may recover : any actual damages suffered by the borrower, if there is a pattern or practice of servicer noncompliance, additional damages not to exceed {$2000.00}, and attorneys fees and costs.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am writing this complaint because SPS has violated the law by putting my house in foreclosure while my house is under a review for a Making Hone Affordable modification. SPS is committing a dual tracking federal violation. My rights have been violated and I would like SPS to review the documentation I sent in for the next 60 days. Also, I think that SPS is showing racial bias ( I am a XXXX female w/a hardship ) and I am being denied the right to apply for a loan modification. Please have SPS to stop sending me threatening letters telling me to relocate and move out of my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank has my checking account under review and is holding my funds preventing me from transferring money into my other Citibank account which is negative. It has been a week and I have made over 30 hours of phone calls with no resolution. I need my medication and groceries for my family and they will not give me access nor a reason to hold my wifes payroll direct deposit. It is unbelievable that they can do whatever they want and nobody governs their actions. My assumption is the company that the banks formed XXXX XXXX that causes this. To keep their fraudulent company alive they feed the banks inaccurate information causing red flags to go up everywhere and they are completely inaccurate and have no idea how to govern their technology or lack there of. Please assist the bank as you will side with them anyway.

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 2018-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX and TransUnion are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXX XXXX XXXX credit card issue and they told me that they have reported to the credit company to remove, but XXXX and TransUnion is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.

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 2018-03-29 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX  and XXXX are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXXXXXX XXXX XXXX credit card issue and they told me that they have reported to the credit company to remove, but XXXX and XXXX  is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT ACCOUNT DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Navient the company that has been servicing my student loan to make my Final payment due after basically 20 years .My payment via Debit card was taken by the representative for the balance of {$96.00} I was told i would receive an email and was also given a confirmation # XXXX for my account # XXXX. This was my Final payment Due. I checked my bank account which verified that my payment was taken out. On XX/XX/XXXX approximately I received an email from Navient asking for me to contact them to correct my late payment due. I contacted their customer service ( XXXX ) XXXX XXXX I gave them my information in regards to my previous payment and was again asked to make another payment which I declined I asked for a direct supervisor capable of resolving this issue. I spoke to a woman named XXXX emplyee ID # XXXX who told me that the original employee who took my payment sent this payment to the wrong student loan via the Dept. of Education that I would have to wait 4-6 weeks for them to send me a reimbursement check which i would then have to forward to Navient to finalize the whole deal. I told the supervisor that I expected that there would be no issue with my credit which to this point after 20 years has never had a problem. Fast forward to multiple emails from Navient when my " payment ' is due with the same threats against my credit and offers to help resolve this issue .All to no avail I just received another prompt for help in resolving this from a XXXX dated XX/XX/XXXX No  reimbursement check has come .I guess my next recourse is Court as this has become ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Was informed of a collection item by a credit analyst decision letter, contacted Experian to try and identify what collection item ; and likely enter a dispute. 

However had to sign up for a website, agree to electronic results, and was told I would be able to enter the dsipute online. 


After registering and signing in, I viewed a message that for security reasons you can not enter a dispute online. 
You must instead call. 

After an hour and ten minutes of hold time, I still can not submit my dispute on the website or by phone. 

I also seem unable to cancel the Experian membership via the website, and thus far unable to cancel by phone.

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 2018-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX XXXX at XXXX I initially spoke with a lady named XXXX at ext : XXXX I told her our situation with XXXX XXXX XXXX XXXX and explained how our claims were never billed properly and now this has gone to debt collectors and affected my credit. She advised us to pay the {$2200.00} and make this go away. I got off the phone with her called my husband and we decided we would pay the amount listed above even though we were not due these charges just so this would all be done with. I called back and spoke with XXXX at ext:XXXX on XX/XX/XXXX and paid the amount in full from my debit card. The amount never cleared our bank account that day or on on XX/XX/XXXX so on XX/XX/XXXX I called my bank and they told me the transaction was declined because we have a {$1500.00} daily limit on our debit card but she could increase the amount for me on XX/XX/XXXX so I could pay the bill. I called back on XX/XX/XXXX and spoke with a XXXX XXXX at ext : XXXX and she again processed this transaction for me giving me a confirmation number of XXXX. I again never saw this amount clear the bank account. On XX/XX/XXXX I received a call from a second debt collector regarding this same claim. I then called XXXX and asked what was going on they told me the debt had been sold back to XXXX XXXX XXXX XXXX XXXX and they could no longer give many information about this claim. I asked about my confirmation number and the lady I spoke with on Friday and they said there was no transaction processed.

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 2018-03-30 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:
For a year now I've tried to get my credit where it should be. Due to 1. Wrong accounts. - not my bill. I've talked to the company 's myself and the 3 credit bureaus ( XXXX. EXQUIFAX. XXXX  ) WELL ON XX/XX/XXXX I check my credit to see if anything had been resolved. Well my score on Equifax went up 102pts. Everything was mine. It was perfect. Not in credit score but it was true. Chrck it the next week to see if tge OTHER 2 got tge memo. Oh no and Equifax put everything back on it and put a hard inquari on it on a day that I call to talk yo them. My score that went up 102 dropped 192pts. So it cost me 90pts to call Equifax about my credit? Now Equifax has taken everything off my report idk why and I have a XXXX!!!! A XXXX!!!! XXXX has helped with some if the wrong info off their report. I've got a XXXX. I should be around a 698. But they are working on it. XXXX don't give a XXXX they got all my info wrong STILL and don't care. So get this here 's my scores. XXXX!! I'm tired of these companies dictating my life. My condo has black mold in it we just found out. I've been very sick for months. I need to move and can't because of companies XXXX with my life. I don't have a lot of credit period. And what marks are mine I admit to. But it tell you what I will not let them play with my life and now health anymore. They have a month to get it fixed. It might cost me for the rest of my life but if it's happening to me it's happening to others. Oh and great Equifax who are acting like babies giving me a XXXX. They got breached and my info and license numbers was hacked. I have like 20 hard inquiries that aren't mine. And XXXX  well well well I've cancelled my app subscription and they still try to take it out of my account daily!! I need some help quick! My family should not have to suffer for these companies Lies and laziness

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. 

Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. 

I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXXXXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. 

Please contact me if you have any questions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: CORELOGIC INC
State: LA

Complaint narrative:
I have noticed that I have a hard credit inquire from your company on my XXXX, XXXX and XXXX XXXX credit file dated XX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX # XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX Email : 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 2018-03-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX on XX/XX/XXXX with a report number # XXXX for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX Email : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: Credit Plus Inc
State: LA

Complaint narrative:
I have noticed that I have a hard credit inquire from your company on my XXXX XXXX  and XXXX XXXX  credit file datedXX/XX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC & 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC & 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. I have filed a police report with the Sheriff 's Department XXXX XXXX XXXX  on XX/XX/XXXX with a report number # XXXX  for identity theft, Name and unit of Reporting Deputy XXXX XXXX XXXX XXXX. This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter. Please contact me if you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation