vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-17 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
THIS IS MY 3RD DISPUTE TO  XXXX  AND EXPERIAN IN REFRENCE TO THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I HAVE MAILED CERTIFIED LETTERS TO EVERY CREDITOR MENTIONED AND NO RESULTS. I AM REQUESTING THAT THESE FRAUDULENTS INQUIRIES BE REMOVED SOME WERE MADE 2 AND 3 DAYS IN A ROW WHICH DOESNT MAKE SENSE THAT I WOULD REQUEST MY CREDIT TO BE PULLED BACK TO BACK. I CONTACTED THE LOCAL CITY POLICE DEPARTMENT AND I HAVE FILED A POLICE REPORT THIS IS FRAUD AND UNAUTHORIZED. THERE ARE OVER   XXXX   INQUIRIES THAT I DID NOT AUTHORIZE AND I HAVE SPENT OVER 60.00 SENDING OUT XERTIFIED LETTERS TO EACH CREDITOR WHICH I SENT COPIES TO EACH CREDIT BUREAU SHOWING I DID MY PART. AT THIS TIME I AM ASKING THAT THE FOLLOWING INQURIES BE REMOVED FROM MY CREDIT FILE THAT I DID NOT AUTHORIZE. EACH CREDIT BUREAU HAS A COPY OF MY FORMAL POLICE REPORTS FROM IDENTITY THEFT. MOST OF THE INQUIRIES WERE FOR ONLINE AUTO LOANS. PLEASE REMOVE FROM 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 non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On  XXXX / XXXX /2017 I received a letter from Sychrony Bank, Creditor stating I was denied for a Lowes credit card that I never applied for. I also can not find valid contact info to this bank.

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 2017-07-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I submitted a qualified written request for review for a Deed in Lieu on  XX/XX/XXXX . Today, I was told that I would not receive a qualified written response to my inquiry as required by RESPA. In speaking with HUD with regards to the liquidation of my property, I was informed that a standard Deed in Lieu of Foreclosure ( DIL ) was at the discretion of Lender. The Lender has out right refused my request for review, citing that there are credit requirements, however, when directed to HUD 's guidelines, the call center agents state that it is not for them to review. Each time I call in, I get a variation of knowledge and experience. Those who are in the know understand that a streamline DIL has a minimum FICO requirement, however, a standard DIL does not. I understand that my FICO is too high to qualify for a streamline, but would qualify for a DIL if the lender would be willing to move forward. As stated above HUD confirmed the information contained in 4000.1 Section III.A.2.l.iii. ( B ) ( 2 ) ( a ) - ( c ). I stated several times on my call that it was a RESPA violation to not respond to a written request in writing and was told " I 'm not in the legal department ''.

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 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern  XXXX    XXXX   XXXX   XXXX    XXXX , CA  XXXX    XXXX     XXXX   XXXX   XXXX    XXXX , TX   XXXX   Equifax   XXXX   XXXX   XXXX    XXXX , GA   XXXX    XXXX ,   XXXX   SOC SEC   #   XXXX   DOB    XX/XX/XXXX      XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE   XX/XX/XXXX  H ave enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
 XXXX ,   XXXX    SOC SEC  #   XXXX   DOB   XX/XX/XXXX     XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We purchased our home in  XXXX  2005 using an 80/20 loan. We have been struggling to make the payments for many years due to several reasons including the   XXXX   XXXX   of our son and income earner injury causing loss of income. We met with a bankruptcy attorney several years ago who advised us that the 20 % lien holder ( loan servicer : Ocwen Loan Servicing, LLC ) would not be able to foreclose on the property, but could place a lien on the property making it so we could not sell the property before they were paid. Under the advice of the attorney we sought to work out a loan modification with both   XXXX   XXXX   and   XXXX   XXXX   XXXX   ( 80 % lien holder ) with the intention of working with the Ocwen once that was resolved. We have persistently applied and reapplied for a loan modification numerous times with the   XXXX   and   XXXX   XXXX   XXXX   and finally were successful.
It seems to be that it may be a legal foreclosure, however, the concern is that the  XXXX  service providers ( Ocwen Loan Servicing, LLC and   XXXX   XXXX   XXXX   ), and involved banks (   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,   XXXX   XXXX  , and   XXXX   XXXX   ) may have a relationship in which they are working together to obtain properties by foreclosing on the 2nd lien. The first lien holder must be paid first, therefore, if the 2nd lien holder forecloses they must turn over any amount recovered during the foreclosure sale to the first lien holder to satisfy the first lien. The only way the 2nd lien holder would acquire payment is if the house sold for the amount of both loans. However, in this case, the property was sold for {$19000.00} ( less than 10 % of the county valuation ). There is {$80000.00} outstanding principal on the 1st lien holder 's portion. In addition, the 1st lien holder 's attorney was contacted regarding the foreclosure and asked what affiliations they had with different banks. They refused to disclose their affiliations and the attorney refused to identify themselves when asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern TransUnion   XXXX   XXXX   XXXX    XXXX , CA   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX , TX   XXXX    XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #   XXXX   DOB XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
  XXXX   XXXX    SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  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 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It May Concern   XXXX     XXXX   XXXX   XXXX    XXXX , CA  XXXX  Experian   XXXX   XXXX   XXXX    XXXX , TX  XXXX   XXXX    XXXX   XXXX   XXXX    XXXX , GA  XXXX    XXXX   XXXX   SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XX/XX/XXXX  Have enclosed a copy of two bills PLEASE UPDATE MY CURENT ADRESS ADDRESS :   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL   XXXX   Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.
Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.
Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my bills with my Name and current address.
SAINRILUS, DIEUMENE SOC SEC #  XXXX  DOB  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , FL  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 2017-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
In    XXXX   XXXX   2017 ,   XXXX   XXXX   , a debt collection c ompany contacted me by mail stating that I owed a {$700.00} debt with  XXXX . This was not my debt, but an ex spouse. Convergent failed to verify address and account information and reported negatively against me. I retained legal representation but the company has failed to respond.

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 2017-07-17 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: TX

Complaint narrative:
I have contacted EXPERIAN bc I recently have gotten a few credit inquiries that I did not authorize It has been unusually back to back requests for credit. I have a business and recently let go my partner, so I am not sure if this was them seeking business credit on my behave, I deal with a lot of foreigners so I 'm not sure if this is fraud or : I should only have   XXXX   KNOWN CREDIT INQUIRIES THAT I AUTHORIZED MYSELF!!!!
IT IS CURRENTLY  XXXX    TOTAL SO  XXXX  ARE NOT AUTHORIZED OR KNOWN!!! Which is ridiculous bc I did not do these!!
BELOW ARE THE INQUIRIES I DID NOT AUTHORIZE AND I HAVE CHECK MY RECORDS AND LOOKED UP COMPANIES TO SEE IF THEY ARE MINES, IT IS NOT I HAVE ALSO CONTACTED EXPERIAN AS WELL AS THE COMPANIES AND EVERY REPLY STATES THAT I HAVE MADE WHICH ANYONE CAN REQUEST A LOAN ONLINE :   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX  EXPERIAN BUSINESS CRED XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX   XXXX  XX/XX/XXXX  XXXX  XX/XX/XXXX    XXXX   XX/XX/XXXX    XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX   XX/XX/XXXX    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 2017-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On  XXXX   XXXX , 2017 I sent this company a letter informing them that I will be sending them a check with a conditional endorsement which laid out the terms of an accord.  XXXX  shows that NELNET received this letter last   XXXX    XXXX , 2017 as shown in the attached copy of my certified mail receipt below and according to   XXXX   mail tracking website as shown in the attached files. I sent them a check dated  XXXX   XXXX , 2017 and they already cashed this check.
Nelnet failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that your company broke the accord set forth by the conditional endorsement check you have cashed.
This is a violation of California Civil code.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I get 3-7 calls a day at all hours. I 've been woken up in the middle of the night, interrupted while with family, etc.
I asked them to stop and it seems like they have increased frequency instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
When I opened the joint account that, we were misleading by the Citizens Bank   XXXX   that we will not get charge any fees on both Checking and Savings account, but unfortunately they charge us every month. {$9.00}, and {$3.00} on our checking alone every month and {$4.00} and {$2.00} on our Savings which the did n't told us from the beginning. They used our money to invest to make money and charge us again on top of it. We want our money back the they said when we were opening the account. Please, i need your help to get all our money back. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Convergent Resources, Inc.
State: AZ

Complaint narrative:
ON XXXX/XXXX/15 CONVERGENT OUTSOURCING INC CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the XXXX XXXX XXXX ACCOUNT AND I DID PAY OFF A TOTAL OF XXXX AND NOW XXXX XXXX XXXX IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING XXXX XXXX  AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.

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 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of america is not acting in good faith, and are reporting an account that was already transferred to another bank in XXXX and the other bank deleted the account some time ago, when I reached out to them to have them delete the account they are giving me the run around Bank of america, is unfairly and inappropriately reporting me negatively to the credit bureaus, for an account that was transferred out to XXXX in XXXX and they already deleted the tradline. However, BOA still shows that the account had a delinquency in XXXX. When I reached out to BOA they gave me the run around, at one point, the bank even unlawfully threatened me, not to contact the bank anymore, which is a open to the public ; federal bank, although it 's clearly showing that the account is not accurately reporting at least by one bureau, and by one bureau it 's not existing 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 2017-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I was approved for approved for either an Income based payment plan or a forbearance in  XX/XX/XXXX  on  XX/XX/XXXX I received an e-mail from Navient stating that I owed {$0.00} for the month and this amount would be the same until XX/XX/XXXX  Three days later on the  XX/XX/XXXX  I received an e-mail from Navient that states I owe   XXXX   this e-mail contradicted the e-mail sent three days earlier

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am asking that the company, Resurgent Capital Services ( lvnv ) provide me with something in writing before I pay them. They refuse. I want the lvnv removed from my credit report. The debt was a credit card e keep passing it around to collection agencies. I refuse to give anyone my bank info without something in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
This company NAVIENT ( XXXX ) called my part time job and upset my XXXX by saying that I MUST call them today. I am an XXXX XXXX there at XXXX XXXX College and otherwise retired. I have n't worked there since XXXX 2016 because my wife is very sick she is waiting for a XXXX XXXX. At my home we only answer the phone expecting to hear from the XXXX XXXX XXXX. So it was equally disturbing for someone from the College to call telling me at home to tell me that someone from NAVIENT a XXXX XXXX I do n't recall the last name, saying I had to call them TODAY. I have told them many times to stop calling so I hereby file this complaint in the hopes that your agency can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I 've recently reached out to the credit bureaus to make them aware that the filing date of my Chapter  XXXX  Bankruptcy is incorrect.

Company response to consumer: Closed with explanation