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: 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: LA

Complaint narrative:
I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Equifax credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Equifax via mail and phone but I was denied to get these items removed from my credit report. That is a violation of FCRA requirements. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Equifax and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Equifax to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   XXXX    Inq uiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX   XXXX  Inquiry from XX/XX/XXXX   XXXX   Inquiry from XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX    Inquiry from XX/XX/XXXX   XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   XXXX   Inquiry from XX/XX/XXXX   XXXX  Inquiry from  XX/XX/XXXX    XXXX   XXXX    Inquiry from  XX/XX/XXXX    XXXX   Inquiry from  XX/XX/XXXX    XXXX   XXXX   Inquiry from  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nations Recovery Center
State: NJ

Complaint narrative:
This company has contacted my employer regarding an unknown debt, claiming a collection on an unknown judgement. This appears to be fraud I have not received notice or been served to report to fight any civil claim.
They repeatedly call my phone.
Nations Recovery Center   XXXX   XXXX   XXXX   XXXX  .
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The name the company mentions.
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Their actions are illegal.
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Last call was :  XXXX - XXXX -17 @   XXXX   est Thursday  XXXX / XXXX /17   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been disputing an account on my credit report by   XXXX   XXXX  . They are reporting an account from   XXXX   XXXX   that was opened in  XXXX . They are currently reporting that the account was opened in   XXXX   which is wrong. Neither company is able to verify the account.   XXXX   XXXX   sent me a letter stating that they do n't have the documents 8n which if they do n't have any documents with my signature   XXXX   XXXX   does not either. I 've disputed this with Transunion and transunion claim they verified the account as being reported correctly. That 's impossible if the original creditor is unable to validate the account with documents. I 've attached a letter from   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 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing this complaint because I were recently alarmed by a statement from a first American title insurance company in reference to claim no.  XXXX  referred by parks title and the intake worker said BOTH OF YALL NAME IS ON THE TOP OF THE TITLE. I am seeking action without delay to deal with   XXXX   XXXX   whom committed mortgage fraud and must be held accountable.
  XXXX   XXXX   and his daughter Immaculuate   XXXX   listed on the covenant deeds claim they bought   XXXX   XXXX   XXXX   at a bank sale for   XXXX    from   XXXX   XXXX     XXXX   XXXX   and harassed me to moved out.
They claim parks title conducted the title work and I were contacted by the federal trade commission in  XXXX  revolving around ftc #   XXXX    and instructed to call   XXXX   and see what they would do for me. They repeat over and over that they were sorry for what happened to me and would do a lien release on the property which I received  XX/XX/XXXX . The  XXXX  loan is marked paid off on my credit report in  XXXX . Also the case was published by the OCC complaint no.  XXXX   XX/XX/XXXX  against   XXXX   XXXX   and fined   XXXX   XXXX   and a cease and desist order made by the Court.
There is no legal transaction on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: MS

Complaint narrative:
Transferred {$2000.00} to a coinbase account and my email was hacked now I 'm locked out of my coinbase account

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: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have had several issues with Navient/XXXX XXXX over the years. Initially years ago they had two  accounts under my name because they made a typo with my SSN. This caused one of my loans not to appear under my actually SSN numbers and subsequently led to collections and an impact to my credit. Also, over the years I had been paying more than the minimum payment but found out later that the over payment was not being applied to principle. When asking their collections how I can get ahead online I was always given different responses. One being that this was not possible. I feel as if they intentionally make it difficult so that you are stuck in an endless cycle of debt. I also see that my interest rates have increased greatly. This is not manageable in anyway. I believe one of my loans had a fixed rate but it seems that was increased also. I am helpless here and need to figure out how I make a dent in these loans.I have no problem making payments, but I am not getting anywhere with these high interest rates and my inability to pay towards principle easily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I received a postcard on   XXXX   XXXX   stating a check had been issued on   XXXX   XXXX  , 2017 in the amount of {$110.00} for a settlement payment in the case of www.BiasvWellsFargo.com Case No  XXXX  I never received the payment and when I called, I was told no re-issuances will be done per the settlement instructions.
As the consumer in this case, the settlement was to compensate for monies I was charged erroneously. Now, I ca n't receive the funds because I never received the check and they refuse to reissue. Where is the proof the monies were even sent? Could this be a way for them to pool monies from the settlement?
The representative on the phone works for   XXXX   XXXX   which is a 3rd party servicing center. She stated that the check was not returned to sender by   XXXX   XXXX   which voids my ability for reimbursement. There is no way to track the mail as it was sent either first or bulk mail.

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: Closing on a mortgage — 
Company: PLANET HOME LENDING, LLC
State: MA

Complaint narrative:
I am a Massachusetts   XXXX   XXXX   XXXX  .
On Friday   XXXX   XXXX  , 2017 I represented a home buyer who purchased real estate through a short sale.
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The seller 's mortgage company was Planet Home Lending , LLC. Their principal office is   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX , CT  XXXX .
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The mortgage company was represented by   XXXX   XXXX   XXXX   XXXX  . Their principal office is   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , MA  XXXX .
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I wired Planet Home Lending 's funds around   XXXX   that Friday. My bank assured me that they would receive the funds that day.
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I spent the rest of that afternoon dealing with essential aspects of the closing ( recording the deed, mortgage, etc. ).
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I did not have an opportunity to email the wire confirmation to the lender or its representative.
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Monday morning   XXXX   XXXX  , 2017 I received two threatening emails from   XXXX   XXXX   of   XXXX   XXXX   XXXX    XXXX   XXXX  .
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In the emails  XXXX  threatened " to foreclose on this today!!!! '' or " move forward with the f/c!!!! '' unless a copy of the wire confirmation was sent to him immediately.
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Of course I sent the paperwork to him and I believe the matter is resolved.
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Nevertheless, the CFPB should be aware of   XXXX   XXXX   XXXX   ' and Planet Home Lending 's overly aggressive behavior.

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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There are  XXXX  very old   XXXX   accounts that are not supposed to be reporting on my credit. The  XXXX   XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The  XXXX   XXXX  card account has an account number of "  XXXX  '' with an open date of  XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the   XXXX   charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that  XXXX  is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called Chase a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bure au is refusing to honor my creditor 's deletion request.

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: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
I received a letter dated  XXXX / XXXX /2017 from CCI Contract Callers Inc. regarding referenced account  XXXX . However upon calling into the organization regarding this supposedly ( unpaid debt ) I came to find out this is a fraudulent claim after speaking with representative  XXXX  on  XXXX / XXXX /2017   XXXX   XXXX   Arizona time. After reviewing online regarding (   XXXX   XXXX   ) the supposedly original account holder. This has been reported to various other organizations as a scam with thousands of other people receiving a letter from a debt collection agency for the SAME exact amount.   XXXX   XXXX   has neither direct website nor phone number to contact the company itself. If you  XXXX    XXXX   XXXX   you will find the other thousands of complaints and reports of this fraudulent debt. We have never done business with this organization nor EVER ordered from this ( fake & fraudulent ) company. Having said all of this we are asking and hoping CFBP and assist us with getting this corrected. Per   XXXX   we are to mail a letter to them stating this is fraud. However we want to make sure this company processes this in the correct manner. We also want CFBP to know of this as it happening to thousands of other hard working Americans. The letter mailed to me has been attached for review and to make it easier to contact this particular collection agency. I have covered my personal info ( Name and address ) for protection purposes. The file number  XXXX  will pull the account with their institution.

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: LA

Complaint narrative:
I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Experian credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Experian via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Experian and stated this, I was constantly told to contact creditor even after I told them that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Experian to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   inquiry from  XX/XX/XXXX   XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX    inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from  XX/XX/XXXX   XXXX    inquiry from 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 non-monetary relief
Consumer complaint received 2017-07-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
Blitt and Gaines, LLC of  XXXX  Illinois placed and illegal garnishment on my wages using false statements and document from th e Circuit Court of    XXXX   County, Illinois. They have included form that are not legal court documents. The amount is   XXXX   for a student loan that list   XXXX   XXXX   XXXX  ,   XXXX   XXXX   (   XXXX   ), and   XXXX   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX   as collectors.Then garnishment start date was   XXXX    XXXX , 2015. I have the court document to support the illegal garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have tried on multiple occasions to modify my 6.85 % homeloan with Wells Fargo and have been denied for multiple reasons over the years, but mostly because my debt to income ratio is too high. I have no consumer debt only a home.
I am on   XXXX   and have a  XXXX  child. Homelessness would drastically impact my medical care.
I have attempted to modify my loan through Keep your Home CA,   XXXX   XXXX   XXXX   , and  XXXX . I hav e been through their internal modification program no less than 6 times all to be denied help because my loan did n't qualify - not   XXXX   XXXX      XXXX   XXXX  , or FHA.
The last attempt throu gh   XXXX    g ave me a different reason for denial, my Net Present Value was too high.
I owe around  XXXX  on my home and have close to  XXXX  in equity. Wells has decided it would be cheaper to foreclose on my home than to help me retain the 21 years of equity I earned from my real estate investment.
As a  XXXX  woman, I find having to apply again and again to these modification programs only to be denied because of the home equity is infuriating and feels unfair.
Wells sold my mortgage years ago and has no invested interest in helping me. My loan is apparently owned by a holding company in the Far East.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Complaint Details I am filing this complaint due to several unauthorized inquiries showing on my credit report. At the time I received those credit inquiries on my Transunion credit report there was a fraud alert on my account and anytime someone runs my credit I was to be notified and I was not. therefore my consumer rights were violated. I also contacted Transunion via mail and phone but I was denied to get these items removed from my credit report. I contacted each creditor through phone and was told that they could not provide me with any info and through mail I heard nothing back that was well over a month ago. I 've contacted Transunion and stated this, I was constantly told to contact creditor even after I told you all that I have not received a response. I did not give any one of these creditors permissible purpose to pull my credit and as I stated before a fraud alert was on my acct. I should have been alerted and that was not in full compliance with the FCRA. I do not do business with neither one of the companies that accessed my credit report. I would like Transunion to furnish proof from each creditor stating that permission was in fact given I would like proof with in 30 days. If you all can not furnish proof with in 30 days I would like for u to comply with the FCRA and remove each inquiry from my credit report.
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The list of unauthorized credit inquiries consist of :   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX    XXXX   XXXX   inquiry from  XX/XX/XXXX   XXXX  inquiry from XX/XX/XXXX   XXXX  inquiry from  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: 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 SUBMITTED 2 COMPLAINTS PRIOR TO THIS ONE. I AM A VICTIM OF THE INQUIRY ISSUE WITH TRANSUNION. AND ASLO IDENTITY THEFT. OVER THE PAST 4 YEARS MY CREDIT PROFILE AS BEEN A LIVING NIGHTMARE. FROM SOMEONE USING MY IDENTITY IN A DIFFERENT STATE TO NOW I HAVE SEVERAL UNAUTHORIZED INQUIRIES THAT I DID NOT REQUEST I HAVE SENT CERTIFIED DOCUMENTATION TO EACH COMPANY ASKING FOR PROOF OF INQUIRY AS OF TODAY NO RESPONSE FROM MY CERTIFIED LETTERS TO THE FOLLOWING CREDITORERS :   XXXX   XXXX   XXXX   XX/XX/XXXX  - XX/XX/XXXX   XXXX  -- - XX/XX/XXXX    XXXX   XXXX   -- - XX/XX/XXXX - XX/XX/XXXX    XXXX   XXXX   - XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Homeowners  Protection Act of 1998 states that PMI will be AUTOMATICALLY terminated upon reaching the 78 % LTV date. After repeated attempts to get CitiMortgage to drop the PMI ( never a late payment, well after the LTV 78 % date ), CitiMortgage insists on an appraisal ( at my expense ) to c ancel.

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: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
Unknown account and no way I owe this, requesting validation and verification.

Company response to consumer: Closed with explanation