vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-10 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: NY

Complaint narrative:
I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : 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 2017-10-10 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: NY

Complaint narrative:
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I have been a customer of Wells Fargo since the XXXX. I purchased my 2nd home in XXXX, and then refinanced my property in XXXX. At the time of the re-finance, my property was appraised at {$130000.00}. I recognize that this amount may have been inflated due to all of the illicit activities that were occurring during that time. As a result of this refi my new lender ( investor ) was XXXX XXXX. Prior to this my loan was with FHA. In XXXX, I applied for a re-fi with Wells Fargo, where I paid for an appraisal. The appraisal valued my home at {$25000.00}. While this was shocking, I attributed this to decimation that my neighborhood had experienced as a result to the mortgage crisis. Because my home did not qualified for the Refi, it was suggested to try the Harp Program. When applying for the Harp, I was told that the Investor- XXXX XXXX did not participate in this program. 

XXXX XXXX benefited greatly from all of the TARP funds but provided their customers with no benefits. It seems unfair. It was reported that XXXX XXXX received {$10.00} XXXX in TARP funds. I was told that the mortgage arm of XXXX did not benefit from the TARP funds. 

It is now XXXX, and I continue to make on-time payments of my mortgage, however because my market value is only approximately {$43000.00} I still am unable to refinance the property. 

I would like someone to investigate whether Wells Fargo or its representatives benefited from my loan being with XXXX. Is or was there something that Wells could have done to assist. Was there something illegal that occurred

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 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I refinanced my home that I built with XXXX in XX/XX/2004 and they later sold my loan to XXXX being that XXXX was not allowed to practiced mortgages any longer. I paid any attorney in the past the initial fees, but it was too much. They stated that the loan with XXXX was a Predatory Loan and that I should be able to get out of the mortgage free and clear ; but they want money up front, and I could not pay it up front. 
I did get a modification before and I fell behind again because I had to stop working because of health reasons and I was in and out of the hospital. I reapplied for a modification and they are saying I do n't qualify although the income is the same or maybe even more. Now they are saying XXXX XXXX  is foreclosing on my home.

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 2017-10-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have tried to contact Experian, XXXX, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. Experian, XXXX, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying Experian, XXXX, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX  XXXX XXXX Acct # : 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 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
This company has illegally re aged this alleged debt that I owe. They have also reported their debt collection agency as a an open account on my credit report. which makes it seem like I opened new accounts and defaulted on them. these deceptive practices have hurt my chances to obtain credit. Now I will be forced to take legal action against this agency unless they delete these erroneous accounts from my credit report 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 2017-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
Ally Financial has been very aggressive trying to collect unpaid balance from GAP insurance. I am not liable for shortage, I was paid up to date with them at the time of loss. They are calling my house 15 times per day, and calling in late evening hours past XXXX when my children are asleep..

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 2017-10-10 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Prosper Marketplace Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX XXXXXX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

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 2017-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Weinman Acquisition Group
State: PA

Complaint narrative:
This conmapmny WEINMAN ACQUISITION GROUP is calling saying they will sue me and take me to court, for a deb i dont have, they say i open a account wirh XXXX XXXX, XXXX never have. and they keep calling and the have my information, we dont know this account, we dont open any credit card with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 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: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
My mortgage account was opened in XXXX and maintained since then. However, Carrington Mortgage is incorrectly reporting that my mortgage was included in my 2012 bankruptcy -- it was not. In fact, Carrington Mortgage currently carries the mortgage on my home -- I can supply the account # for further investigation. If it was included in the bankruptcy, why is my mortgage still in existence and current? 

This is my largest account and it is not reporting current fair information -- one of the negative comments on my credit report is that my mortgage company is not reporting. 

This incorrect, derogative information must be deleted from my XXXX Credit Report. The last report date was XXXX -- please report my mortgage account information as it is -- open, current and paid as agreed. 

Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
On XX/XX/2017 the Security Finance called my daughter on her cellphone number that was given as a reference ; told her your parents are 3 months behind on their payments with us- they owe $ XXXX amount and need to come in to take care of this. On XX/XX/2017 we contacted the Finance Company told them that was not proper to call and give out that information and the response was is XXXX XXXX still sick and in the Hospital oh but if you pay this amount we can re do loan but I 'm sorry for that - meaning the information given out. Even after I stated you are not allowed to give out that information I was told I know you are right but it was not me.

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 2017-10-10 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: NY

Complaint narrative:
I have tried to contact XXXX, XXXX, Transunion, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, XXXX, Transunion has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, XXXX, Transunion of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX XXXX XXXX Acct # : 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 2017-10-10 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: NY

Complaint narrative:
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX XXXX XXXX XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I get paid twice a month. I paid my mortgage two months ahead and then began sending 1/2 of my monthly mortgage in every time I got paid. My Mortgage company will not post the partial payment until a full payment is received. This practice allows my money to benefit them and does not effectively reduce the principal and subsequently lower the interest I have to pay. Their practice also does not allow me to pay my loan off sooner than 30 years, due to their posting practice. I called and asked why and was told if I would sign up for Budget drafting I would benefit and my payments would be posted upon receipt. I mistakenly believed the auto drafted payments would be posted upon receipt but they are again waiting for a full payment to be received before they post it even though I am ahead of my scheduled due date by several months. 

My Bank is not allowed to do this so why is a mortgage company allowed to? This is unfair and to me and ( in my opinion ) is deceptive. I called again today ( XX/XX/2017 ) to see if I could remedy the posting issue and was told they were allowed to post it that way because I had signed up for budget billing. I told them the ONLY reason I signed up was because they told me that I HAD to if I wanted my payments posted upon receipt. This is a very bad practice and it is deceptive. The payment history also shows " payment applied '' however the payment is placed in my " syspense account '' until the next auto debit is taken ... this is misleading and a false statement. I am a single, mature ( XXXX ), XXXX female and wonder if a man would be treated the same way? They dismiss my concerns as unimportant and still wo n't give me the courtsey of a return call on the process and acknowledge that by holding my payment and not applying it when received cost me additional interest.

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 2017-10-10 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: Lending Club Corp
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the Lending Club Corp Loan account .Ive Been trying to verify this account for four months from XX/XX/XXXX -XX/XX/XXXX and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BlueChip Financial
State: IN

Complaint narrative:
I have a loan with XXXX. I hired XXXX XXXX XXXX XXXX to consolidate my payday loan debt and I pay them no weekly to do so. XXXX XXXX, XXXX XXXX has been calling my cell and work stating that he is representing XXXX to collect the debt. XXXX contacted XXXX and they still have the account and are settling for a lesser amount. The amount XXXX is asking for does n't match what XXXX   states the balance is either. The man has called my work 6 times in 2 days.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Summit Financial Corp.
State: AL

Complaint narrative:
i believe this company is practicing unfair billing practices because every month I 'm paying my bill on time and my payment is purposely getting lost. I need them to remove the late remarks from my credit that were all due to their mistake.My credit worthiness is very important and defaming my character creates a misrepresentation of who I am in the eyes of lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I could n't find the appropriate complaint to submit this under. On XX/XX/2017 I received an email stating : We are confirming your recent request to change the telephone number on your account ending in XXXX  on XX/XX/2017. Next time you need to make updates to your account, visit us online at XXXX.com and click your profile. 
If you have n't registered your account with us, just follow the online registration process to start seeing your account information wherever and whenever you choose. 
If you do not recognize this request, contact us immediately at XXXX I called as I did n't make this request and feared my account has been hacked into. When I called and verified my information, I was told the collections department generates these emails when they can not get through to a person just so they can verify a persons information. 

XXXX XXXX has completely misrepresented the purpose of their email and lied. I was on the verge of cancelling all of my charge accounts as a result because I was afraid my identity had been stolen.

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 2017-10-10 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: NY

Complaint narrative:
I have tried to contact XXXX, Equifax, XXXX, to dispute an account, in which ; the statutes of limitations have already expired. The bureaus are currently reporting in correct dates on my credit report. XXXX, Equifax, XXXX  has failed to remove the account accordingly. I have contacted the bank to request, proof of validations pursuant to the Truth in Lending Act. According to the bank, they could n't comply because the account was to old to be validated. After notifying XXXX, Equifax, XXXX  of set forth information, I requested them to delete the account. I have yet to see them comply with my request. I would like to formally, and respectfully request your assistance in this matter. Please note, that time is of the essence. 

Acct Name : XXXX Acct # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I called Navient in XXXX of XX/XX/XXXXto renew my reduced interest repayment program and give my new financial information. Since that time, my financial situation has changed again. I called on XX/XX/XXXX to give updated income and debt/income information. They told me that it could not be reviewed again until XX/XX/XXXX and that I was locked into that monthly repayment amount. I advised that over and over that my financial situation changed since then and they still would not review my account with me to possibly adjust my payments.

Company response to consumer: Closed with explanation