vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
An individual who describes himself as " Mr. XXXX '' of XXXX XXXX   keeps calling my daughter both at her home and at her work place and refuses to stop calling even after she has advised them that I do not live at that place, nor do I work at that place and that I do not receive telephone calls at the numbers that " Mr. XXXX '' is calling. When my daughter does answer the phone, and after she tells the caller that I do not live there, that the phone number is not my telephone number, the caller nevertheless tells her he is calling regarding a debt and that I must return his call immediately. When she does not answer the call, he leaves a voice mail message that identifies me by name and leaves the following message on her voice mail ( the message below has been forwarded to me by my daughter from her smartphones translation of the voice mail ) They call my daughter at her home at least twice every day. 

" This message is for XXXX ( last name appeared in the voice mail, but has been removed by me ) and relates to your business with XXXX. Itwould be  in your best interest to call me with the name of your attorney and their phone number. If you're not being represented by an attorney. I highly recommend that you contact me directly so we can discuss your situation and the options that are available. I will be in my office today until XXXX XXXX Pacific Standard Time and I can be reached at XXXX extension XXXX. If I do not hear back from you today XXXX I'll have to assume that you have no intention of contacting my office and I will proceed with actions that will directly impact you. Once again my phone number is XXXX. '' ... more. Please listen to your voicemail for the remainder of this message.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: WA

Complaint narrative:
This is a case of a debt collector sending a written communication that looks like or is falsely represented to be an official document from a court which is against Federal law. Mandarich Law Group " served '' unfiled pleadings on me, a Complaint and Summons. The Summons read that I had to file a response to the Summons within 20 days or a default judgment could be made against me. Neither the Complaint nor the Summons had Case Numbers and they were not conformed copies from the Court Clerk. The unfiled Summons made it appear that I had to take immediate action and when I attempted to do so, found that it was unnecessary and a waste of time because there was no case filed against me. This is clearly a tactic to make a person feel intimidated and scared about legal action when none has been taken. According to Federal law : It is illegal for a debt collector to send a written communication that looks like or is falsely represented to be an official document from a court. That is exactly what Mandarich Law Group did to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I had disputed an account ending XXXX with XXXX XXXX XXXX and sent via certified mail on XX/XX/18 to experian where they signed and acknowledged the certified mail on XX/XX/18. I called experian to address and ask why is my credit still reporting inaccurately ... Customer rep was rude, and acknowledged that he did indeed receive my documentation. This has been reporting on my credit inaccurate and has affected my well being and denial for credit. I followed protocol and provided validation from creditor of what needed to be updated on my credit report. The customer rep acknowledged that they received my documentation but did not want to make the needed adjustment per my FCRA right which has been violated. Rep also stated that he didn't care if i contacted CFPB as it wont make a difference. At this point this is affecting my way of life as credit is everything and to have a rep tell me he didn't care was complete disrespect to me and violated my FCRA rights. I placed my call to Experian at XX/XX/18 XXXX EST. Credit is everything and when you entrust in the system to do right make sure they take their job serious and especially when documentation is supported per their validation process its disheartening and reason why people lose faith in the credit reporting agencies. So many of us have inaccurate items on credit that goes unnoticed and without a care in the world to make it right.

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 2018-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency.

Per the Qualified Written Request submitted XX/XX/XXXX, I am seeking total accounting records. I filed Chapter XXXX bankruptcy cases on XX/XX/XXXX and XX/XX/XXXX. In both cases many payments were sent from the bankruptcy trustee to Wells Fargo.the total estimate is 24 payments. Wells Fargo does not show that one payment was applied during the bankruptcy process. Wells Fargo has initially misapplied payments to force me back into foreclosure. Wells Fargo has violated the Federal Bankruptcy Code.

Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XX/XX/XXXX. 

Wells Fargo has also refused to offer formal mediation options per IN 32-30-10.5. They never served proper documentation via certified mail or process server. Wells Fargo is attempting to bypass IN 32-30-10.5 to speed up the foreclosure process. 

Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of XX/XX/XXXX. You can reach me at XXXX or 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 2018-10-26 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: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: AK

Complaint narrative:
I am a XXXX XXXX XXXXXXXX whose client was preapproved by Quicken Loans  for a conventional mortgage loan. I sent the accepted earnest money agreement and purchase contract to their loan originator at Quicken and yesterday he emailed me and asked for my license number. Even though it was already on the contract I emailed that back to him. This morning my client, the buyer, called me to say that she had been called by Quicken Loans and told that she and her husband could only have the loan if they dropped me as their realtor. The Buyer asked why that was and was told by the loan originator that they didn't know. Buyer and her husband called back to Quicken and talked to two different people who told them that Senior Leadership at Quicken had made that decision and they didn't know why. I got the number for the lady at Quicken and called to ask why they had told my client to dump me if they wanted the loan. She said she couldn't tell me but that it was a decision that came from the very top of Senior leadership at Quicken Loans. We talked for maybe 10 minutes and she would never tell me why they were XXXX   me. I have done deals where Quicken was the lender and have never had any trouble before like this. My client is trying to find another lender now and is very confused as am I. The lady at Quicken said I must know why they were doing this but I do not. I am a highly respected XXXX in my small town and have had no complaints against my license or character.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This XXXX account is NOT a charge off, collections nor is it a Fail To Pay. I have been with this Company 20+ years. I relocated to another State and XXXX was not able to transfer my service 's or account, So I was FORCE to CLOSE OUT and PAYOFF ACCOUNT.

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 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This XXXX account is NOT a charge off, collections nor is it a Fail To Pay. I have been with this Company 20+ years. I relocated to another State and XXXX was not able to transfer my service 's or account, So I was FORCE to CLOSE OUT and PAYOFF ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The bank Capital One I used have credit card with and closed was fraudulent re-opened after my knowledge back in 2015. Just this last 2 months my credit score dropped drastically by 80 points. When I pulled my XXXX  it said I had card opened with Capital One with limit of XXXX and balance for membership fee. When I contacted Capital One and spoke with the Fraud department. I let them know of this account not being opened by me and they escalated the claim. I filed a formal complaint with there fraud department. They assured they would resolve it and when asked on why this happenned they had no valid reason. They have charged me memberships fees without my knowledge and after explicit closing this account they kept it open. This has effected my credit score by 70+ points and Capital One has been very unhelpful and fails to take accountability. They have reported

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NC

Complaint narrative:
I Contacted ERC ( Enhanced Recovery Company ) Asked for a debt validation request some me i own the debt. All I received was a screenshot of a bill I know nothing about. I asked them to provided me something in written saying I own or signed up for this debt and they could prove nothing. This debt need to be removed from my credit ERC nor XXXX  could provide me with anything In written with signature Stating I Own or agreed to this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by Transunion..I requested for an investigation because the account XXXX XXXX XXXX  XXXX , I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a 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 2018-10-26 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: IL

Complaint narrative:
I have contacted all three major credit bureaus regarding the reporting of my paid in full/as agreed never late with XXXX ; XXXX has sent in request to remove late payments however the credit bureaus refuse to remove late payment reporting.

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 2018-10-26 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by XXXX  and Experian..I requested for an investigation because the account XXXX XXXX XXXX, XXXX XXXX, XXXX, I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a 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 non-monetary relief
Consumer complaint received 2018-10-26 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by Equifax and XXXX..I requested for an investigation because the account XXXX XXXX XXXX, XXXX XXXX, XXXX, I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My FHA mortgage loan is currently serviced by Wells Fargo. Wells Fargo has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Wells Fargo is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Wells Fargo has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Wells Fargo is in clear violation of the False Claims Act ( FCA ), 31 USC 3729 - 3733, since they knowingly withheld information and reported false records to a Federal Government Agency.

Wells Fargo also has an obligation to process the loan modification with transparency and clarity per the National Mortgage Settlement of 2012 ( NMS ). Per the NMS, Wells Fargo is obligated to process the loan modification with transparency. Wells Fargo has refused to cooperate and is threatening foreclosure action, as they have set a foreclosure sale date of XX/XX/XXXX. 

Based on the violations listed herein, I am seeking your assistance on this matter. Wells Fargo has set a foreclosure sale date of 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 2018-10-26 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: OH

Complaint narrative:
Someone was able to use my information to obtain goods and services. I have asked these companies several times to remove the information or verify the inaccurate information. 
I am requesting a signed copy of the agreement which i have no knowledge of. 
I have notified all companies this information is inaccurate

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 2018-10-26 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: OH

Complaint narrative:
Someone was able to use my information to obtain goods and services. I have asked these companies several times to remove the information or verify the inaccurate information. 
I am requesting a signed copy of the agreement which i have no knowledge of. 
I have notified all companies this information is inaccurate

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 2018-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: MD

Complaint narrative:
The National Recovery Agency ( XXXX ) been calling me every day since XX/XX/XXXX. ( could be longer ). 
This debt collector are trying to get fees that I didn't pay from XXXX XXXX. These are the dates that they gave me : 1. XX/XX/XXXX {$22.00} 2. XX/XX/XXXX {$22.00} ( same ) 3. XX/XX/XXXX {$32.00} and I have a XXXX XXXX account and I was NOT in the hospital on any of those dates. That's a scam. The NRA knows my birthdate and I believe they thought that I was too old to know the difference.

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 2018-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX I went to Equifax 's website to un-freeze my previous freeze on my credit. After troubleshooting several log-in pages that were no longer accessible ( error pages came up in several parts of the website ), and multiple website errors claiming more information needed to be completed in the account information form- even though all required boxes were filled in, I was able to set up an account. As part of the verification process I was asked ( 4 ) security verification questions about my credit. ( 2 ) security questions claimed that my credit report " may '' include a car loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. ( 2 ) security questions claimed that my credit report " may '' include a loan from XXXX and asked about the amount and the loan provider. I have no such loan, so I checked the " none of the above '' boxes to both questions. I was then informed that I had answered incorrectly and that to access my account I would need to fax or mail personal ID documents, write coverletters, etc. I have verified through other credit reporting agencies that none of these loans are on my report. I can not get access to my Equifax credit report because they deny access to my account until I send them the information. I am telling you right now, that as soon as I get my report these false loans from XXXX and XXXX will not be on the report. I believe that the security questions they generate are deliberately inaccurate in order to kick-off these lengthy " verification '' processes that just give them more access to our personal data that they can then subsequently lose to hackers and data breaches. Now they will have photocopies of my personal documents on file for hackers to steal too. On the same date XX/XX/XXXX I was able to unfreeze my accounts at XXXX and XXXX without any issues in about 5 minutes. Now my mortgage loan will be delayed because I have to go through Equifax 's paper wild goose chase that they started in the first place with these security questions they generate that have inaccurate information. This is not the first time this security question issue with inaccurate answers issue has come up with them. As soon as I am able to get a report to prove this deliberate ineptitude I want to hold them accountable.

Company response to consumer: Closed with explanation