vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Immediate Credit Recovery
State: CA

Complaint narrative:
An acquaintance at XXXX XXXX University ( XXXX XXXX ) suggested I attend his XXXX program, ( back in 2017, I think ). I could not attend or enroll in any of his classes at XXXX XXXX University because I did not have the money to do so. He assured me that I would not be charged any tuition fees and that I would not be enrolled in or owe money for any of his classes. Nevertheless, I received a bill from XXXX. for thousands of dollars in tuition fees. I have never attended any classes at XXXX. nor, to my knowledge have I ever enrolled in any classes at XXXX. I complained to XXXX XXXX about the bill. He assured me that he would fix this problem. I now am receiving collection letters from Immediate Credit Recovery , Inc. ( a collection agency ). They say I owe them {$3300.00} for tuition fees at XXXX. ICR   : P.O.Box XXXX XXXX XXXX, NY XXXX, ( XXXX ) XXXX XXXX. I also show this figure on my credit report and my credit score has taken a diveXXXX XXXX. has refused to fix the problem and ICR still sends me collection letters. Also, XXXX XXXX refuses to pick up his phone. Land line at XXXX. : ( XXXX ) XXXX, cell phone : ( XXXX ) XXXX. Fix this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
My mortgage was sold from XXXX to Shellpoint Mortgage Servicing. I received a letter to submit proof of homeowners insurance, I mailed it as the letter indicated I could do, a month later I got another letter so this time I used the company online XXXX XXXX XXXX that they said was available to submit through and I saved the email stating I used it - no details in the email as to what I did. But proof I did something on that date on that website. Then insurance was force placed and I sent a note online through the Shellpoint system with the email proof attachment. I received a letter today ( certified ) that stated nothing was received and that I had to get them proof of insurance and make sure the ISAOA is Shellpoint and that they can't determine an error occurred on their end and are still expecting that I pay them fo reforged placed insurance. 

First of all I didn't ask to have my loan sold, insurance has AWLAYS been in place and has not changed companies for at least 3 years. If they are selling /buying my loan then they should update the ISAOA, I don't need more things to do in my day because they want to make money. In addition to that if I can mail something and it is not required to be certified then you should not be able to say you didn't get it to put {$4000.00} insurance on my home. I feel like this is orchestrated so people are charged excess money. My insurance has never lapsed and I have not asked to have anything on my loan changed. I did what I was asked when I mailed and then later went on a website and entered info. I was not aware I HAD to change the ISAOA after the sale, they had the documentation. If I was responsible then I should have been sent a bold letter letting me know what to do. I don't know because my mortgage is sold, I have that responsibility. This is the 2nd time XXXX and now Shellpoint has force placed insurance on my home. I can prove it has never lapsed In addition I had to do all of the leg work to have my PMI removed with I automatically hit 78 %. That should not have been my job either. They have a responsibility to the customer and I still think they charged me too long for it because my amortization schedule said I met the 78 % in XXXX and I continued to pay PMI in XXXX & XXXX before it was dropped form my payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION
State: ID

Complaint narrative:
My name is is XXXX XXXX. I am presently going through a XXXX, and my husband is XXXX XXXX. I don't say that, like so many XXXX. I say that because it's absolutely true, and I am refinancing our house to pay him out, so he'll get out of our home, where my XXXX year old daughter has left, and won't come back until he is gone. I left the mortgage to be paid by my husband last XX/XX/XXXX, and one time in XX/XX/XXXX. Both times he claimed he paid it, and didn't. I've since taken it out of his hands completely, and I am the financial bred winner in this household and family, and don't trust a thing he says anymore. BB & T has been fiddling with this forever. I was NEVER 60 days late as they are reporting. When I found out he didn't pay in the months of XX/XX/XXXX and XX/XX/XXXX, I took care of it immediately, and told them what he did, and I rectified it. They have been reporting me 60 on this mortgage since those months happened. I am refinancing this loan to get my husband out, and these people are just going in circles, there is nobody to talk to? I called and one person told me 5 days, and the other told me possibly 45 days? I never was 60 days late, and it's taking forever and a day to get anything from them, while my life falls apart at the seems, because my husband is torturing me on a daily basis in this home, and I can't get him out due to BB & T 's inaccurate reporting of our mortgage. Please help me before it's too late.

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 2019-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been paying on this loan for about 10 years. And every month I receive late fees of totally random amounts. From {$130.00} to over {$360.00} I receive a late fee every month. This month the late fee is {$270.00}. I have called a hundred times and talked to many people and some say that I haven't been charged that late fee and some say its accurate. But here is why I feel they are lying to me. Early on I tried working with Wells Fargo, I changed my due date with them. Then they told me I was paying my loan too early and the the amount I was paying was tacking on to the previous month and not the current month. Frustrated I asked them to pick the date to avoid this problem, so they did. They picked a date that would not penalize me for being late ( When I never was ) or for paying too early. The late fees keep coming. Here 's the best part, My payment is automatically deducted every month from my bank account. There is no problem with me forgetting because I don't have to remember! Its automatic!! Still I receive late fees from them. I have asked Wells Fargo many time if they can explain why I am getting these charges and most of the time they can't tell my why. They also raise my monthly exponentially, currently my payment is {$670.00} and it started around {$150.00}

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 monetary relief
Consumer complaint received 2019-09-23 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: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
On XX/XX/2019 I called Pentagon Federal Credit Union to inquire about a pre-approved credit card offer that I received in the mail. I told the representative with whom I spoke that I was not interested in the card advertised in the mailer ( a Visa card ) but that I would like to know if the pre-approval applied to their other card products. He told me in no uncertain terms that it did. As far as I knew, he then assisted me with applying for a different product, an XXXX XXXX card, for which he told me I was approved. I found out the following Monday that this representative had lied to me, and in fact he had processed an application for the Visa card without my permission. After numerous phone calls to PenFed and discussions with supervisors I was told that the credit union would not honor the approval for the XXXX XXXX card, which was the only card I was ever interested in opening with this institution. One representative suggested that I simply put in a new application, which I did on XX/XX/XXXX. This application was declined. The result is that PenFed placed two " hard '' inquiries on my XXXX credit report. I have asked them to remove the inquiry from XX/XX/XXXX, since I never consented to apply for the Visa card and in fact the representative I spoke with lied to me repeatedly and told me he was processing an application for the XXXX XXXX. I was told by a couple of people at PenFed that this inquiry could have been placed either in connection with the credit card application or in connection with my joining the credit union, a condition of opening a credit card account. Since none of this was disclosed to me at the time and I never gave my permission to have my credit pulled for any purpose other than to apply for an XXXX XXXX card I reiterated that I expected that inquiry to be removed from my report. I was told by the last supervisor with whom I spoke that the tapes of my initial phone conversation would be reviewed and that I would be contacted after he determined what happened. This was in XXXX. I never received any follow-up call, and the inquires have remained on my XXXX   report.

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 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: IN

Complaint narrative:
I did not know about this debt until i checked my credit score no one has called me nor sent me anything in the mail and i honestly do not remember going to the hospital on that date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Complaint : Citimortgage : negligence in processing of my mortgage application and then changing their reasons for a denial of credit. 

Filed mortgage application XXXX, which was to close on a property at XXXX XXXX XXXX, XXXX XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, at XXXX XXXX XXXX, I received a call from XXXX XXXX advising me that credit was denied. He stated that it was not me, but that the HMO   apparently was having financial problems. I had been denied access to the financial documents by the HMO because I was not, at that time, an owner of one of their properties. Now I am not disputing the fact that Citimortgage had reason to deny the mortgage application for that reason, but that they charged me {$670.00} for an appraisal when they had documents in their possession from the HMO which indicated that the credit application would be denied. 

The other reason for the denial of credit was that they were unable to verify residence or occupancy. At no time did Citimortgage ask me to verify my address. I could easily have provided them with copies of my lease, and/or utility bills with my address on them. Credit reporting agencies also accept bank statements as proof of address, and they had in their possession multiple bank statements from XXXX XXXX and XXXX XXXX XXXX with my address on them. In addition, they had a copy of my GA XXXX, which also has my address on it. 

I received two letters from Citimortgage regarding this situation. The first, dated XX/XX/2019, mentioned the reasons stated above. The second, dated XX/XX/2019 mentioned only that they were unable to verify my address, which is a lie. They never asked me to verify my address, which I could easily have done.

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 2019-09-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: PA

Complaint narrative:
XX/XX/2018 a debt was posted to my credit report by GENERAL REVENUE CORP. There was no prior notice of a debt owed. I was not notified by email, mail or phone. There was no attempt by GENERAL REVENUE to validate that the debt was owed by me. I mailed a written letter to the said creditor with signature service requesting legal debt validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), their claim is disputed and validation is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Peter Roberts & Associates, Inc.
State: NH

Complaint narrative:
XXXX XXXX continues to call several times daily harassing me and my family, this has been going on for years now. I have repeatedly asked them to stop after they refused to give me any information on what this debit is. They are rude and threatening and refuse to provide any information to corroborate their claim that I owe money. I have no idea what they are talking about and they refuse to stop harassing my family with constant calls all hours of the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: PA

Complaint narrative:
XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX  very deceptive. I have also file a complaint with the US Attorney office as well on 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 2019-09-23 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:
I HAVE SENT IN LETTERS TO THE CREDIT BUREAU IN REGARDS TO THIS MATTER. 2 ACCOUNTS THAT ARE ON MY CREDIT FILE WAS NOT DONE BY ME, IT WAS DUE TO IDENTITY THEFT, I DID A FTC COMPLAINT ON BOTH BUREAUS. I TOLD THEM THAT THESE ACCOUNTS DID NOT BELONG TO ME. BEING THAT I WAS IN A DATA BREACH, THEY SHOULD BE UNDERSTANDING, THEY MAKE THE MISTAKES WITH ALL THESE DATA BREACHES THEN WHEN A CONSUMER AS MYSELF COMPLAIN ABOUT ACCOUNTS ON THEIR FILE THAT DO NOT BELONG TO THEM, THE CREDIT BUREAUS GIVE YOU A HARD TIME. I AM IN THE PROCESS OF BUYING A HOUSE, MORTGAGE IS PENDING.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an inaccurate account on my credit report. I have settled this debt and do not owe anything on it. It should not be on my credit report at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an inaccurate account on my credit report. I have settled this debt and do not owe anything on it. It should not be on my credit report at all.

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 2019-09-23 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: UT

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting an inaccurate account on my credit report. I have settled this debt and do not owe anything on it. It should not be on my credit report at all.

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 2019-09-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX very deceptive. I have also file a complaint with the US Attorney office as well on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: PA

Complaint narrative:
XXXX XXXX XX/XX/19 pulled credit with out my permission I did not give them permission to run or sign no contract agreeing to running ( HARD CREDIT ) XXXX very deceptive. I have also file a complaint with the US Attorney office as well on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has not updated my account to show the account opened with a XXXX XXXX XXXX credit card on my 3 credit bureaus.

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 2019-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
Sequium Asset Solution Acc # XXXX trying to collect account is been paid I'll talk to companies representative and they didn't find the account assuming its a mistake XXXX   XXXX stills providing me service Please delete this account out of my credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
BBVA still has NOT updated my account to a XXXX balance and currently open credit card. It is causing my credit score to be lower with this balance that still does not reflext the correct current balance of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
A debt was entered onto my Credit report on XX/XX/2019 in the amount of {$510.00}. The Creditor was COMMONWEALTH FINANCIAL. I was not notified by mail, email or phone by the creditor to validate the debt. I mailed COMMONWEALTH FINANCIAL a certified letter with signature service requesting more information on the validity of the said debt pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). I have not received any requested documentation from COMMONWEALTH FINANCIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 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: IL

Complaint narrative:
I have contacted Equifax several times that they are not correctly reporting several accounts. My XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX accounts are not being reported by Equifax even though these companies are sending them updated information monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one has still not updated my credit card to reflect a XXXX BALANCE and still is charging interest. Furthermore, They have not send updates to the credit bureaus to reflect a XXXX BALANCE causing my credit score to be lower.

Company response to consumer: Closed with explanation