vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have attempted to modify my mortgage that was serviced originally by ASC and most recently with Wells Fargo. I have worked closely with my home preservationists since XXXX and provided 100 % documentation requested. Most recently XX/XX/XXXX I was denied a mortgage modification as it was deemed to be affordable based upon my income. I ailed an appeal by certified mail, Wells Fargo failed to respond. 
XX/XX/XXXX ( and every single year prior, ) I was denied a mortgage modification as it was deemed I did not have sufficient income. I filed an appeal with evidence of additional income by certified mail, Wells Fargo failed to respond.Most recent reponse is Notice of Acceleration. 
I sent a letter by certified mail stating my concern that I believe my denial for a loan modification was in error due to the miscalculation as most recently discovered by the Attorney General in California and in the news. I requested more specific, detailed information regarding my denial wherein within a XXXX year time period I was denied a modification for not having sufficient income and later denied for having sufficient income and not needing a modification. It doesn't make sense. 
What I find extremely misleading is that homeowners are mailed a HAMP package, often times without request, and are optimistic perhaps there is something they can do to save their home, when in fact XXXX XXXX has absolutely no interest in offering assistance. 
I have repeatedly sent certified letters relative disputing parts of this debt and have received written correspondence ( and by phone call ) they are researching my request. However they fail to provide the information requested information and continue the foreclosure process. 
I did receive a trial modification in XXXX believe. I made all three trial payments on time. When I received the final package for modification the documents had my deceased fathers name on them. ( My father was on the original Deed and Note XXXX ) and his income was not used nor was he an occupant when I had refinanced my home in XXXX, he was not party to this transaction in any way. ASC failed to respond to my letters, calls, emails to correct the documents and failed to complete the final modification.

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 2019-03-13 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: MI

Complaint narrative:
I filed disputes with the 3 major credit bureaus XXXX, Transunion and XXXX. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX  that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation

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 2019-03-13 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: MI

Complaint narrative:
I filed disputes with the 3 major credit bureaus Experian, XXXX   and XXXX. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation

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 2019-03-13 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: IN

Complaint narrative:
I have tried on multiple occasions to get Experian to follow FCRA and in turn respect my rights in this matter. I have asked Experian to on at least 4 occasion to validate this account, as well as on multiple occasions as Experian to present me a description of the procedures used each of these disputes. Experian refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested.

The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!!

NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY

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 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase has closed all my accounts with them with NO Explanation of why

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Letter to : Citibank , N.A . Customer Service XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX I received an unexpected E-mail from your company today notifying me that my credit limit was suddenly and without prior notice reduced due to a company review of my account. My account was reduced from a remaining credit line limit of {$1900.00} to within {$100.00} of my balance. Your action brought my account now to within a maxed-out range. I spoke to one of your managers on the phone shortly thereafter and she confirmed this change. She was not able and/or not willing to undo the changes. She stated that the decision was based on a review of my credit report with XXXX Agency. Upon checking my credit report with XXXX I did not find anything negative or anything new that was not there when the card was issued. Therefore, your actions to unfairly reduce my credit limit has no basis to justify it and I deem it discriminative. Because of your action it will now have a direct negative effect on my credit ratings. Your company has somehow accessed my credit report with a credit fraud alert feature on it and resulting as a hard inquiry on my report and you did so without my consent or knowledge. I have been a customer of yours since XXXX. I have not once been late with a payment. I find your decision too discriminative, unjust and not deserving of it. It is for these reasons that I will file a complaint with the CFBP Agency. 

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 2019-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: AL

Complaint narrative:
I have one derogatory mark on my credit from XX/XX/2015 for {$240.00} from XXXX XXXX XXXX that I have never owed or had anything to do with and shouldnt be on my credit there is no number or any information for me to contact them and every time I try and dispute it it ask for a account number which I dont have because theres no way for me to contact them Im needing help to get it off my credit. XXXX XXXX : JH Portfolio Debt EQ this is all it has listed no number to contact no address no nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I noticed 2 charges on charge card on XX/XX/XXXX that I did not recognize. The dates were for XX/XX/XXXX for {$82.00} and XX/XX/XXXX for {$89.00}. I called USAA Federal Savings Bank. They said on XX/XX/XXXX they would remove the charges. I may not hear anything for several months. On XX/XX/XXXX I received a email that they were working on it. On XX/XX/XXXX I received a email that the case was closed and on XX/XX/XXXX these 2 merchants received their money back. I was very angry because they didn't give me the opportunity to state my case. They told me I could and I did but it didn't matter they had been paid on the XX/XX/XXXX. I sent a XXXX folder with my documents to the Corporate Office and heard from XXXX XXXX XXXX XXXX   XXXX I phone number XXXX ext. XXXX. She said that the Dispute Claim Stands. Then I sent her documents from the Federal Trade Commission that states that if you receive a free Item. You can not be billed for another amount later. It is against the law. Today on the FTC web side that third partys can not bill. Law 15 U. S. C. # # XXXX These were numinous names for which I was told was something they didn't care about. I only dealt with one company. XXXX and XXXX of Florida was who I got the Free Bottles from. Other names were XXXX of CA, XXXX XXXX  XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 2019-03-13 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: CA

Complaint narrative:
I am a victim of identity theft and recognized these hard inquries I did not approve or recognized. 

XXXX Inquiry from XX/XX/2018 Inquiry from XX/XX/2018 Institution Information XXXX XXXX, FL XXXX ( 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 2019-03-13 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: SC

Complaint narrative:
I am a hard working citizen of this country that is being punished for mistakes ive made when I was much younger I can not even get a decent place to rent. I have been working on my credit since last XX/XX/2018 and my score goes up to about XXXX then descends vastly overnight as soon I apply for a mortgage. How am I supposed to get a lender to approve when my score drops XXXX points overnight? This has happened to me several times recently so I'm accruing hard inquiries without being taken seriously. I need help I'm struggling my landlord is selling the home we live in and I can't purchase that property and cant even rent an apartment.

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 2019-03-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ability Recovery Services, LLC
State: CA

Complaint narrative:
This account was not opened by me, I am a victim of identity theft and this place calls me more than XXXX times a day. I have blocked them and used various apps to block them, and then they leave dozens of voicemails threatening 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 2019-03-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp
State: CO

Complaint narrative:
Applied for a refinance loan through lending club to replace a higher interest rate loan I already had with them. The amount requested was the same as the balance on the existing loan. The loan was denied for the reason : application incomplete - unable to verify physical address. 
I don't know what their steps are to verify an address but they never inquired of me for any proof. I live at this address so I know it exists. 
I suspect they denied the loan since they wanted to maintain the high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX/2019 I received a noticed that Mr Cooper my mortgage company had done a escrow analysis and was inform that my escrow was short {$470.00}, per there noticed it stated that I had till XX/XX/XXXX2019 to pay that amount to avoid my monthly payment increasing. The money was paid on XX/XX/XXXX19,  when I called on XX/XX/XXXX19 the representative told me that I would have to wait till XX/XX/XXXX19 for my account to reflect the adjustment. I called today XX/XX/XXXX19 to question why my account didnt reflect the adjust and I was inform its because the escrow shortage was actual {$900.00}. However, there is no documentation they can provide me even with my online access.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This letter is regarding account XXXX XXXX XXXX, which you claim I opened a store retail account. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company.

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 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BB&T CORPORATION
State: KY

Complaint narrative:
I received a call on XX/XX/19 from a angry woman. This is HARASSMENT. 

I was never told orally or in writing I had the right to earn interest on my funds deposited. 

2 ) I had the right to withdraw any of my funds on deposit at anytime without penalty. 

3 ) The XXXX XXXX XXXX XXXX is not affiliated with them at all. 

This. Ocompany continues to call and harass me without providing me any of my requests for an account payment history and account audits.

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 2019-03-13 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: SC

Complaint narrative:
I am a hard working citizen of this country that is being punished for mistakes ive made when I was much younger I can not even get a decent place to rent. I have been working on my credit since last XX/XX/2018 and my score goes up to about XXXX then descends vastly overnight as soon I apply for a mortgage. How am I supposed to get a lender to approve when my score drops XXXX points overnight? This has happened to me several times recently so I'm accruing hard inquiries without being taken seriously. I need help I'm struggling my landlord is selling the home we live in and I can't purchase that property and cant even rent an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: SC

Complaint narrative:
I am a hard working citizen of this country that is being punished for mistakes ive made when I was much younger I can not even get a decent place to rent. I have been working on my credit since last XX/XX/2018 and my score goes up to about 600 then descends vastly overnight as soon I apply for a mortgage. How am I supposed to get a lender to approve when my score drops 40+ points overnight? This has happened to me several times recently so I'm accruing hard inquiries without being taken seriously. I need help I'm struggling my landlord is selling the home we live in and I can't purchase that property and cant even rent an apartment.

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 2019-03-13 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I contacted Equifax by mail to inform them that my credit that I had been working on was not on my annual credit report. And these accounts are : XXXX XXXX XX/XX/XXXX on XXXX XXXX ( finance by XXXX ) bought King size bedroom set. made monthly payments. Then bought queen size mattress ( 3 ) sets at the XX/XX/XXXX XX/XX/XXXX on XXXX XXXX and XXXX XXXX. Made monthly payments each month. Then, I bought a furiture set ( 2 ) cough 's and pillow 's. Made monthly payments each month. Then I bought a sectional brown in color made monthly payments each month miss some payments but, I caught up and paid it with late payment amounts. Then I bought a car XXXX XXXX 3yr payment plan paid each month until I was finish. Then, I was a co-signer for my Daughter. Who never miss a payment. Not one payment miss. STILL These Items are not showing on my report. Equifax said that they never received any thing for none of my creditors. I contacted ALL of them and ask if they sent in my report of payments. THEY ALL SAID YES WE DID. And then I ask if they could send another one ( certified copy of finish payments ) THEY ALL SAID YES. THEN I sent in copies after 30 days and still nothing. HELP!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX, personal XX/XX/XXXX XXXX XXXX {$51000.00} {$51000.00} XXXX   {$16000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation