vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Live Well Financial, Inc.
State: IL

Complaint narrative:
In the year XX/XX/XXXX I missed paying my first installment of my property taxes by the XX/XX/XXXX. At that time Live Well stepped in and paid both installments then refused a repayment program with me. After I was finally able to get a repayment scheduled they gave me a payment plan in which I accepted. After a few months of paying this they refused payments from me all of a sudden and tried to foreclose on my home. I took them to court over this and won. I received a new payment plan from the courts and have been paying on it ever since. Now this year XX/XX/XXXX I contacted the tax office to ask a question about a payment to my taxes only to find out they had already been paid in full on the XX/XX/XXXX. Not only did they step in and pay them early they did it without my knowledge and wants to charge me over XXXX dollars for them paying them. They also will not allow me a repay on it. I sent them XXXX dollars with a letter to put it towards the XX/XX/XXXX taxes along with the regularly scheduled payment for the XX/XX/XXXX taxes. They chose to ignore my letter and put the whole XXXX dollars towards the XX/XX/XXXX taxes and now they are refusing to let me pay for the XX/XX/XXXX taxes and are also refusing the court ordered XX/XX/XXXX payment which is almost paid in full. They have just decided they are foreclosing on me no matter what. They are the ones who paid my taxes early without even giving me till the due dates. They are also the ones that are refusing the court ordered payment for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I have been trying to Modify my mortgage for 5 years with Nationstar, I have submitted several completed applications packages over the years and each time they drug their feet for months reviewing the applications, never telling me what was happening unless I called to check up on things only to find out that they took so long doing this that some of the paperwork according to them had " expired '', they requested that I resubmit or redo or update certain parts of the file but after submitting again and agin and again they just drug their feet until they would finally request another full file, this process could take up to a year! in the meantime I sit in foreclosure wondering when I would lose my house. They tried to foreclose on the house a few times but we just kept re submitting paperwork and new files. I would call repeatedly only to talk to some horrible person who was very unwilling to help and when I got upset with them for dragging their feet once they thought they put me on hold and I heard the customer service girl say out loud while laughing " Can you believe this stupid white boy? '' I told her I was recording the call and she hung up immediately.. 
They never answered for this deliberate XXXX remark and it was obvious at that time to me that they were doing this to me on purpose.. 
It has been 5 years of battle and after a horrible divorce this is all my kids and I have left.. 
Nothing has changed with my employment the whole time but recently they approved a modification and put my payments at {$2300.00} a month and % 10 intrest from the original {$1200.00} a month and an extra {$200.00} tacked onto my mortgage because of all the back payments and fees! Why all the sudden would they approve the Mod when NOTHING has changed???? 
This is a strategy they use to XXXX people out of their homes. my house is unaffordable now and would never sell for how much they have scammed me out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: NY

Complaint narrative:
I AM WRITING TO DISPUTE AN ACCOUNTS FRADULENTLY OPENED IN MY NAME.I AM A VICTIM OF IDENTITY THEFT AND DID NOT OPEN THIS ACCOUNT. I AM NOT RESPONSIBLE FOR ANY CHARGES MADE TO THIS ACCOUNT. I HAVE REQUESTED PROOF OF IDENTITY AT TIME OF OPENING SUCH ACCOUNT AND CREDITOR ONLY PROVIDED STATEMENTS AS THIS DOES NOT PROVE UNDENIABLE OWNERSHIP I DEMAND YOU PROVIDE PHOTO ID, SOCIAL SECURITY CARD WHICH CLEARLY PROVES I INDEED OPENED THE ACCOUNT. WHEN I CONTACTED THE COMPANY ALL THEY DID WAS SEND ME STATEMENTS PAYMENTS WERE NEVER MADE ON THIS ACCOUNT AS IT WAS FRADULENTLY OPENED AND USED PLEASE I REQUEST ALL LAWS BE FOLLOWED ACCORDING SO THAT THE CORRECT RESULTS AND OUTCOME COME FORWARD AS THIS ACCOUNT WAS NEVER MINE OR OPENED BY ME. IT STATES I AM CO-SIGNER ON A VEHICLE AN THIS IS NT TRUE AND INNACURRATE I NEED THIS REMOVED FROM MY CREDT FILE IMMEDIATELY

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 2017-12-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Real Time Group, Inc.
State: CA

Complaint narrative:
Debt appears on credit report. States that it is a mortgage loan for one month. Not my mortgage loan. Nobody takes out a mortgage loan for one month and for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Protection Association, L.P.
State: IA

Complaint narrative:
In XX/XX/XXXX I spoke with a XXXX telephone representative who took my payment. While on the phone with the representative I asked to cancel the television service. She understood that it was not a service I needed. She then provided me with a telephone number for someone in their customer retention department. I assumed that meant I would have to call if I changed my mind and wanted to keep the television service. A month later I receive a bill and note that I 'm still being billed for television services. So when I called to pay my bill I asked them to correct the balance due to reflect a total that would not include television services. The customer service representative indicated that they could not correct my bill and that I had to pay the full amount ( billed a month in advance ). What should have been a {$55.00} monthly fee ballooned quickly into a {$350.00}. dollar bill. I again telephoned XXXX with the request that my bill be corrected and got the same response that they could not correct my bill. In subsequent attempts to reach someone who could assist me - XXXX then needed my drivers license number, SSN, XXXX account number , street address etc. and still could not assist me. I filed a formal complaint with the customer service representative on the phone - who basically told me there was nothing they could do until I paid off their fraudulent charges. I now have a bill for {$860.00} that has been sent to collections for services not provided, equipment and a collection fee. All because I asked XXXX to correct a mistake they made.

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 2017-12-04 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: DISCOVER BANK
State: AL

Complaint narrative:
I have had a Discover card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago Discover sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from Discover Personal Loans. Discover, according to XXXX, has decreased my credit score from XXXX to XXXX ( see attached ). I feel Discover was negligent in offering an XXXX-year-old an unsecured loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I got a copy of my credit report there were errors, I disputed the errors I received an email that the investigation was finished, but Equifax will not let me log in to access the results. The information I am giving them is correct and is the same information I used to get my credit report. I need to access my report and dispute results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: OH

Complaint narrative:
Stearns is claiming that my loan is past due by over 90 days. I have been paying it every single month. Even their own website shows that. 

They will not return emails, or phone calls, or any kind of contact. They now want me to make two payments this month, but I do not have the money for that. Nor should I. I have a payment due tomorrow, and I can pay it, but I ca n't pay twice, and they are going to say my loan is still 90 days past due when its not. Just like they have for the past several months. And they charge me XXXX dollars every time, which I will not pay, because my payment is " late, '' even though I pay it on the due date every single month. 

They are now saying my loan is in default. Even though I have paid it every single month and I 've sent them screenshots, bank statements, and everything proving it. They refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: FL

Complaint narrative:
Credit Bureau Equifax. 
XXXX hard inquiries affecting my credit report are : XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX-XX/XX/XXXX. 
XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX XXXX-XX/XX/XXXX Did n't want to remove my inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I called XXXX XXXX to make my XX/XX/XXXX payment XX/XX/XXXX. They said they would only accept 2 payments not one. They also said if I waited until XX/XX/XXXX, then I would have to pay 3 months. I was in a motorcycle accident XX/XX/XXXX and I am still not able to walk. I will have my last XXXX hopefully in XX/XX/XXXX. With all my bills, I had fallen behind but was trying to catch up one month at a time but to no avail. Also, after being late for one payment, they deny internet access to my account. The only way to pay is via snail mail or pay them a {$20.00} convenience fee PLUS my monthly mortgage via phone..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX aka Blackhawk Network Inc sold me a XXXX gift card on XX/XX/2017. The card was invalid. I have called XXXX XXXX XXXX customer service 5 times over the past month, they refuse to issue a refund. I have asked for a simple refund every time I call. First I got an official " escalation '' number. Then they claimed there was a 15 day " review period '' after that. Each time I call they have new excuses why they ca n't do anything for me. They promise that someone from the review dept is going to call me. Now I have called again after the 15 escalation days are expired, and they just keep stalling with excuses. They refuse to refund the invalid gift card. Now I am forced to report them to my bank for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
I have tried to take XXXX euro 's from my Coinbase account via XXXX to my bank account in the XXXX and have not received my money. Promised date of arrival was XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
On XXXX XXXX-2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that I am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX if this matter is not immediately by deleting this unverified debt from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX,2007 Closed of Home /Predatory Lending I was and still am XXXX XXXX. I was collecting XXXX and still am. i closed on a property for XXXX with XXXX down. No job, No chance of getting better. Everywhere i contact say there nothing you can 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 2017-12-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My name is XXXX XXXX. On XX/XX/2017, I received Wells Fargo credit card Billing Statement to " XXXX XXXX '' for outstanding balance in the amount of {$2700.00}. 
I called XXXX XXXX XXXX XXXX XXXX closing the credit card because the credit card is n't on my name, the credit card also contains fraudulent charges on it. XXXX XXXX XXXX XXXX XXXX closed the credit card account but they did n't remove fraudulent changes, as a result I have called Wells Fargo Executive Office and they forwarded me to XXXX 's voice mail. I have called XXXX at the Wells Fargo Executive Office for seven times and left three voice mails ; but nobody in Wells Fargo Executive Office calls me back. 
This Wells Fargo credit card account has closed with fraudulent charges, this credit card is n't valid because it hasnt been on my legal name XXXX XXXX. 
Please refer to enclosed document including my legal name documentation, Wells Fargo letter and billing statement.

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 2017-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have had a XXXX card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I  became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago XXXX sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from XXXX XXXX XXXX. XXXX, according to Transunion, has decreased my credit score from XXXX to XXXX ( see attached ). I feel XXXX was negligent in offering an XXXX-year-old an unsecured loan.

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 2017-12-04 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: WA

Complaint narrative:
Back in XX/XX/XXXX I noticed a lot of address that did not belong to me on my experian credit report. Also I noticed names that did not belong to me and a birthday. I contacted Experian through mail and sent a copy of my drivers license, ss card and a utility bill. They did not remove the wrong information. 

XX/XX/XXXX I sent another letter notarized with my Drivers license, ss card and utility bill. They sent me a report back XX/XX/XXXX and they still did not remove the wrongly reported information from my 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 non-monetary relief
Consumer complaint received 2017-12-04 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: WI

Complaint narrative:
Good Afternoon, I am reaching out to the CFPB due to not being able to get inaccurate information off my credit reports. I have reached out to 2 of the 3 Credit bureaus Equifax and XXXX to resolve this matter. Not only is this information incorrect on my reports but it is causing me a hard time trying to obtain credit. I am in the process of becoming a Homeowner in XX/XX/XXXX and this negative impact is causing delays. I understand that the credit bureaus may be busy during the XXXX, but as a consumer under law they must report correct accurate information. Listed below are the credit inquires from both credit bureaus Equifax and XXXX that I did not authorize. 

This is my second request in regards to this unauthorized inquiry from your company that had been placed on my credit report without my permission As you no doubt are aware, the credit reporting agencies regard inquiries as a statement of fact and will not allow a consumer to dispute them. The CRA 's maintain that if the inquiry is on file then the company listed did in fact view the consumer 's record. 
I am writing this letter since the Fair Credit Reporting Act ( FCRA, Title 15 U.S.C. 1681 et. seq. ) prohibits anyone to view a consumer report absent a 'permissible purpose ' ( see specifically 1681s-3 ( b ) ). 
I don't recall applying for credit with you. 
Please explain in detail your purported permissible purpose giving you access to my credit file. In the event no such permissible purpose exists, please arrange for payment of no less than {$1000.00} ( XXXX XXXX DOLLARS ), payable to the name listed above. 
Also be apprised that, in the event you fail to promptly and fairly address this serious matter, I will pursue my legal remedies as provided for under the FRCA. Specifically, Title 15 U.S.C. 1681n & 1681o which provide harsh penalties, including statutory and punitive damages, costs and attorney 's fees in appropriate cases, for non-compliance with the FCRA . 
Your timing is crucial so I would greatly appreciate a response from you within thirty ( 30 ) days for the presence of this inquiry is doing serious damage to my credit report and is inhibiting my ability to obtain necessary credit. 

Please immediately forward a letter indicating your intention to delete the inquiry or a copy of the original signed application. 


Equifax XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04 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: WA

Complaint narrative:
When I first got moved from XXXX XXXX to Navient, they lead me to believe that a sub-prime loan was the only option that I had. Since I graduated from college in 2012, my loans have almost increased over 30 percent. I recently received an interest addition of more than $ 10K for the last year. I feel that I was railroaded and made to believe that this was the only option I had to better myself. I now have almost $ 80K in loans from navient. The way the loan was structured and the amount of the interest the loan adds, never gave me a chance to be able to pay off this loan. This loan was given to me with the sheer intent to make me pay more interest on an already unmanageable loan amount.

Company response to consumer: Closed with explanation