vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Texas Guaranteed
State: TX

Complaint narrative:
I received a letter datedXX/XX/XXXX stating that I owed a student loan debt in the amount of {$31.00}, XXXX to a company called TG. Their address is XXXX XXXX XXXX XXXX XXXX, TX XXXX Their phone number is XXXX. Their website is www.tgslc.org.
This letter threatened to enter me into the DOE offset program to garnish my wages and tax returns. I called the company, who instructed me to send them all of my personal info documents -- driver 's license, social security card, etc. I refused to do this, however, since I have no business with this company, and the more information I give them, the more likely it is that they can steal my wages and tax returns. I sent them a debt validation letter.
They returned a letter to me with a promissory note from someone with the same first and last name. That is where the likeness stopped. This person has a different middle name, different social, an address where I have never lived, a phone number I have never had, different birthdate, a city I have never lived in, a different driver 's license number, a lender name I have never used, and relatives with whom I have no relation to.
Furthermore, they are still demanding my sensitive personal information along with FIVE writing samples from XX/XX/XXXX. I do not want to provide this information to a company that I have no business with.
TG has shown gross negligence in identifying their debtor. This can not be a simple mistake. I only share this woman 's first and last name. No other like identifier exists. They also violated this woman 's privacy by sending me her promissory note with all her personal information. I would hope that the company has better privacy practices than this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting inaccurate credit score. More than 30 plus points in comparison to other bureaus. I constantly have issue 's with Transunion credit reporting. It 's inaccurate score and I want updated 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 explanation
Consumer complaint received 2017-09-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Pay pal credit closed my account because there was fraud associated with my XXXX account. Someone changed my address to a fraudulent address, I had to make several phone calls, at leasdt 6 hours worth!!!! They, and XXXX, were of no help to this mess! 
I called the XXXX, NY post office, and they found the items, and they are returning them to the sellers because they VERIFIED THAT THEY WERE MAILED TO A FRAUDULENT ADDRESS!. Now Pay pal, will not open up my account, when I took care of the problem myself, with no help from them!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 
I want that accouont opened now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: NC

Complaint narrative:
I had fallen behind in my payments due to many unforeseen medical issues starting when my son had to have a a XXXX XXXX removed. My wife has also had many ongoing medical issues the past several years. My mortgage was originally with XXXX XXXX XXXX, then it went to XXXX XXXX then with XXXX, and now it is with Fay Servicing. Beginning XX/XX/XXXX of this year I applied for a loan modification with Fay Servicing. I sent them all required income and bank information they requested and was told our household income was sufficient to qualify for the modification. Then on XX/XX/XXXX of this year i received a call from my account manager XXXX XXXX  informing me that I had been approved for the modification. I was relived beyond words. I was then and am still now committed to stay in my home. Then two days later onXX/XX/XXXX XXXX XXXX called again to say I was not approved due to a problem with the mortgage insurance company. He stated that I was approved by Fay Servicing. I appealed this decision through Fay and just recently received notification that my appeal was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Scott Fetzer Financial Group Inc.
State: NH

Complaint narrative:
I am trying to get detailed information regarding missing payments to this account, XXXX x XXXX UNITED CONSUMER FINANCIAL SERVICES Account # XXXX. 
I have sent Emails on XX/XX/XXXX and XX/XX/XXXX, and have spoken to UCFS on the phone on XX/XX/XXXX, XX/XX/XXXX, and twice on XX/XX/XXXX, in every instance I have been refused the information I requested. 
I simply want information regarding the payments I had made ( verified, processed, posted, and reflected in my account balance ) that have disappeared. 
They claim they do not have that information and can not supply me with any explanation other than that they were reversed. 
If that was in fact the case, they are obligated to provide me with detailed written statements FROM the Federal Reserve of the reversals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: PRESTIGE FINANCIAL SERVICES INC
State: MO

Complaint narrative:
On XXXX XXXX XXXX I contacted Prestige financial about a debt that was alegged that I owe do to a car repossession. Prestige financial representatives XXXX DID NOT VERIFY THAT I WAS THE CUSTOMER BEFORE DISCLOSING PERSONAL INFORMATION AND SHE ALSO DID NOT DISCLOSE THE FDCPA MEMORANDUM AFTER

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Hello. 

Company involved here is my XXXX XXXX. 

I have been trying to refinance my current home but have not been able to due for the fact that I also have another home under my name whom is also financed through XXXX XXXX. ( Second home is being lived in and getting paid through a cousin of mine ). I have tried to refinance my current home with many banks, credit unions, brokers etc but have been informed that due to having two homes under my name that it would be impossible. 

XXXX of this year ( 2017 ) after giving hope decided to directly go with Ocwen for assistance. I was told that they would " definitely '' help me. After weeks and weeks of sending them all my personal information etc they told me to pay {$500.00} for an appraisal, I paid that. They were certainly aware of my other home as it 's also under them but then they told me after taking the {$500.00} which is Non-refundable that they were not able to assist after all because I have two homes in my name. 

I honestly feel that they ripped me off knowing well that they knew that if I have two homes were unable to refinance. They told me that I had to pay one of the homes off in order to be able to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My home was foreclosed XXXX by Wells Fargo and I was not informed of the process. During my separation of nearly 10 years XXXX XXXX XXXX ),  My ex wife and kids resided in the home while I served abroad on XXXX XXXX. When I found out that my home was being foreclosed thru email, it was too late. No one at Wells Fargo would work with me without my ex wife 's signature. She was adamant about proceeding with the foreclosure and refused to answer calls or correspondence from the bank. I contacted wells fargo immediately in an attempt to extend my time and save my property ( due to short notice ) but it was already too late. I 'm not sure when my ex wife received the initial notification that the home was in the foreclosure process, but when I found out there was not enough time to do a short sale or modification. To this day, I do n't have any information on when it began, when the home was officially foreclosed and how this happened so quickly. Wells Fargo conducted their own investigation but I do n't trust them. The gentleman that I spoke with in Loss Mitigation took quite a few months to complete his internal investigation that resulted in no fault by the bank. I now have a foreclosure on my credit report due to this process and not able to purchase a new home with my VA 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 2017-09-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
on XXXX XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.

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 2017-09-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XXXX XXXX, I sent a letter to the credit bureaus requesting an investigation on 5 accounts. Almost 60 days later, and none of them have responded. I have sent follow-up letters to inquire for the reason for the delay, and those have also gone unanswered.

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 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The loan was past due and XXXX XXXX XXXX applied for a loan modification with our Firm, a complete modification package was submitted to Ocwen Loan Servicing, LLC onXX/XX/XXXX, by XX/XX/XXXX we received a denial letter which stated the file was denied due to the account being more than 90 days past due ( Helping Homeowners Modification ) and option not approved by your bankruptcy attorney ( streamline Modification ).
We requested clarification as to the Bankruptcy portion of the denial letter as we represent XXXX XXXX XXXX and again a vague response as to consult with the bankruptcy attorney, After reviewing the denial letter with the bankruptcy attorney, XXXX XXXX XXXX XXXX. and she advised the denial is wrong and she has every right to apply we appealed their decision as we are the bankruptcy attorney of record and to please review the file on it 's financial merit.
On XX/XX/XXXX XX/XX/XXXX our Firm received another denial letter which had additional information but again stated XXXX XXXX XXXX was ineligible for the Ocwen streamline modification program due to an active bankruptcy.

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 2017-09-07 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: NC

Complaint narrative:
I have disputed with Transunion, the information they are reporting for XXXX XXXX XXXX. I have no financial responsibility to this company. I have asked numerous times for validation that I owe this company money and have never receive anything. Transunion is the only company saying they have verified this account, when no one else has??? How was this account verified? Can I see the copy of the contract I supposedly have with XXXX XXXX XXXX? Although Transunion has the right to report false information on anyone they choose, they also have the right to be held responsible for the false information they 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 2017-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was informed via Kohls department store roughly a year ago that a person in XXXX was able to use my social security number to use my Kohls account. This individual had charged hundreds of dollars to my account. I filed a police report after realizing this individual opened several accounts in my name. Kohls also filed a report and removed a portion of the balance. However, after me complaining several times the company continues to call me and THREATEN me. Claiming they will send someone to my house to collect the money and that I will go to jail. Every time I try to explain that these charges are not mine and that Kohls said they would remove the remaining balance, they hang up on me but not before I get another threat of XXXX. This is now on my credit report. Because of my social security number being used I actually was scammed out of {$600.00} from another so called collections agency. Please help me with this situation. I appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Independent Finance Company LLC
State: CO

Complaint narrative:
I paid my car off in XXXX of this year, got my title no problems and now I have a problem with my credit report saying I was delinquent for 90 days I called them and she said she saw nothing wrong and told me to report it so she could fix it. 

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Toll free XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Co. 
XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Brock & Scott, PLLC
State: MD

Complaint narrative:
XXXX CLAIMED I OWE THEM MORTGAGE MONEY, I ASK THEM TO PROVIDE THE ORGINAL NOTE OR THE NOTE THAT CLAIM I OWE SUCH NOTE TO THEM, THEY COULD NOT. THEY TRY TO SELL MY PROPERTY IN FORCLOSE SALES ; I FOUND OUT THROUGH A SOLICITING ATTORNEY 'S LETTER. I FILE FOR BANKGRUPCY TO PROTECT MYSELF, I TOOK THEM TO COURT ; BUT THE JUDGE IS DENYING MY PETITION BECAUSE I AM PRO SE. I NEED YOUR HELP THIS PEOPLE ARE NOT LICENSE TO PRATICE IN MARYLAND. BUT THE COURT IS NOT PROTECTING US AGAINST THEM PLEASE HELP ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Applied for a new Credit Card with Best Buys ( Citibank , N.A . ) and they never disclosed a {$59.00} annual fee prior to the card approval. I cancelled the card at the checkout register and never received or used the card. 

A letter was sent to me on X/XX/2017 Ref # XXXX stating I was approved the a " My Best Buy Visa Gold Account '', and that the card would be arriving in several days. The letter also goes on to say I was evaluated for 2 other cards, and I was declined do to " Insufficient Credit Experience '' I am looking to have my good and long credit history and score remain intact, and the lack of the disclosure for the {$59.00} annual fee was material in my canceling ( a lack of disclosure until after account was opened ). The lack of terms disclosure was irresponsible, and effected my credit score negatively, through no fault of my own. 

Furthermore, the XXXX credit information is obviously in error when they state I have insufficient credit experience, as indicated in a letter sent by Best Buy on X/XX/2017 Ref # XXXX. I currently have several other credit accounts in very high standing, and have a good credit history that spans decades. 

Please feel free to contact me directly by phone at ( XXXX ) XXXX, or by email at XXXX if you have any questions, or need any further information. Thank you for your help!

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 2017-09-07 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: TX

Complaint narrative:
A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit. 

The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries. 

If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.

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 2017-09-07 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:
A few weeks ago I was shopping for a car. Over the course of 2 weeks, I must have submitted anywhere from 30 to 40 applications for credit.
The inquiries showed up immediately on my reports, but now, it looks like all my scores have gone down 30 or more points. I 'm not sure if this correlates with the closing of a secured card I had with XXXX XXXX ( the only one I had ) or if this is a result of the inquiries.
If it is a result of the inquiries, I am confused. Those were back to back in efforts for me to shop around for the best deal. I thought most scoring systems counted this kind of inquiries as just one.

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 2017-09-07 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: AZ

Complaint narrative:
I was informed via XXXX department store roughly a year ago that a person in XXXX was able to use my social security number to use my XXXX account. This individual had charged hundreds of dollars to my account. I filed a police report after realizing this individual opened several accounts in my name. XXXX also filed a report and removed a portion of the balance. However, after me complaining several times the company continues to call me and THREATEN me. Claiming they will send someone to my house to collect the money and that I will go to jail. Every time I try to explain that these charges are not mine and that XXXX said they would remove the remaining balance, they hang up on me but not before I get another threat of XXXX. This is now on my credit report. Because of my social security number being used I actually was scammed out of {$600.00} from another so called collections agency. Please help me with this situation. I appreciate it.

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 2017-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Lendmark Financial Services
State: NC

Complaint narrative:
I applied for a loan with Lendmark Financial. Upon them obtaining my employers information I informed them I was not allowed to have personal phone calls of any kind. Informed them just to leave a message with my other contact number and I would get back to them. My supervisor sent me an email advising me that a representative from Lendmark Financial has repeatedly called asking for me to return his call. Specifically the email was received on XXXX. I have also received texts and phone calls from my supervisor over the same matter.

Company response to consumer: Closed with explanation