vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-30 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: NC

Complaint narrative:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on BOTH my XXXX  nad Transuion credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX   and Transuion but allowed it to stay to intentionally hurt my credit score. 

I contacted both XXXX and Transuion on XX/XX/2018 and was told XXXX never contacted them.

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 2018-07-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on BOTH my Equifax nad XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have those Hard Inquiry 's removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax and XXXX but allowed it to stay to intentionally hurt my credit score. 

I contacted both Equifax and XXXX on XX/XX/2018 and was told XXXX never contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from SUNTRUST on my XXXX, XXXX  and XXXX credit report that i did not AUTHORIZED. 

I spoke with the SUNTRUST Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by SUNTRUST i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by SUNTRUST. 

They did not remove those unauthorized hard inquires from XXXX, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, XXXX and XXXX on XX/XX/2018 and was told SUNTRUST never contacted them.

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 2018-07-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
XXXXXXXX XXXX and Select portfolio is continues to conduct unfair lending practices and mortgage fraud. 

XXXX claims I agreed to a Sub Prime Loan Modification. I never agreed to a Subprime mortgage. My principle balance was {$84000.00} prior to XXXX transferring my loan to their Loan Servicer ( Select Portfolio Servicing ). 

I have been waiting for the past 7 months to get a resolution with Select Portfolio for a Loan Modification, Now SPS is stating they need approval from the Lender who is actually XXXX XXXX. This is a mortgage fraud, XXXX told me to behind on payments to qualify for the HARP program. Now SPS is saying the same thing, my mortgage payment is {$980.00} a month and out of that amount only {$120.00} dollars goes towards the principle balance. 

Please add me to the Class Action Lawsuit against Select Portfolio and XXXX  for Mortgage Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
To Whom It May Concern : I have had correspondence with Wells Fargo over several letters and phone calls regarding account # # # # # # # # and the illegality of the foreclosure that occurred in XXXX. Again, this foreclosure was preventable, but Wells Fargo did everything in their power to make it unavoidable. The latest correspondence from Wells Fargo indicates that they offered a viable solution for us to stay in our home, but this is simply not true. The only modification we were offered on our home mortgage was for a temporary modification of $ XXXX/mo reduction of our mortgage. This was not a sustainable option and was only temporary. 

When we called Wells Fargo originally to discuss modification options, we were told we should not pay any amount of our mortgage in order to qualify for the HAMP modification. We were told to send many different sets of paperwork to Wells Fargo via fax. We sent all this paperwork in several times over and told almost every time that the paperwork was not received or was lost. Departments did not communicate with each other, so one person would not know what the last person had said or seen from us. We even sent things via mail because we were told so many times the faxes were not received or lost. We were told that Wells Fargo Home Mortgage could not communicate with Wells Fargo Home Equity so a combined decision on a loan modification was  impossible. 

Most recently, in the last letter received, Wells Fargo Home Mortgage indicated that the home equity loan was written off in XXXX. Unfortunately, we were not informed of this and continued to receive bills by mail for this loan. If we had known we could have only paid the home mortgage loan we could have afforded to stay in our home. 

Additionally, we qualified for a HAMP loan modification, but recently were told by Wells Fargo that they did not receive the required paperwork for this modification. We did send any and all paperwork we were asked to fill out and send because we were eager to stay in our home. We are so dismayed at the deceitful actions taken by Wells Fargo and have experienced a windfall of negative consequences due to this foreclosure that was preventable, but was forced upon us by Wells Fargos inability or their unwillingness to help our family stay in the home. 

Wells Fargo refuses to admit negligence in this matter and continues to ask us to provide evidence. Wells Fargo has evidence in their recorded calls and correspondence with us regarding the way they handled the matter. Faxes were lost, we were not informed in a timely manner, they did not want to help us stay in our home because we were paying Private Mortgage Insurance which  protected them from consequences of foreclosure, yet did not protect us as the homeowners.

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 2018-07-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with fraud alerts or security freezes — 
Company: BMW Financial Services NA, LLC
State: PR

Complaint narrative:
Back a year ago, I received a fraud form to be return to BMW Finance. I  did return the form but never heard from the again. 

About a week ago I received a letter where it states that the vehicle has been sold and I need to pay BMW Finance {$20000.00} From the beginning BMW has been told that this transaction was fraudulent and I never bought that car. 

Now the insist that they will be sending me a collector to collect the XXXX for a vehicle I have not bought.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: Convergent Resources, Inc.
State: TN

Complaint narrative:
I have disputed with the credit bureaus and Convergent alike the inaccurate entry that Convergent is reflecting on my credit report ( see attached documentation ). In my initial review and finding of this reflected entry, I submitted a dispute to XXXX, XXXX  and XXXX. The bureaus responded that this entry was verified. To that end, I submitted my dispute to Convergent. Within my dispute ( see attached ), I specifically requested that they provide an agreement with signature of alleged debtor wherin he/she agreed to pay the creditor, date this alleged debt became payable, original delinquency date, verification that the debt was assigned or sold to collector as well as a complete accounting of alleged debt. Convergent did not oblige. 

Convergent 's letter, ( see attached ), dated XX/XX/18 does not provide any substantial evidence to support the veracity in their reporting. To that end, since Convergent is unable to provide supporting documentation for this inaccurate, unverifiable entry, it must be deleted from my file 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 2018-07-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bursey & Associates, P.C.
State: AZ

Complaint narrative:
Bursey & Associates ( or a law office affiliated with the ) called me at my employer and stated that they tried to reach me " 15, 16, 17 times '' in person at the address of XXXX XXXX XXXX XXXX, XXXX AZ, XXXX ( the residence of my parents ) to serve me a lawsuit over a credit card debt of {$600.00}, saying that only once " an old woman peeped through the door and said she didn't know where I was. '' This is inaccurate, since my mother and father said no one ever attempted to reach out to me at their residence at any time. I told them that I would meet them at XXXX that day, to which they replied that " well we tried meeting you at XXXX XXXX, XXXX XXXX, XXXX XXXX ... '', to which I responded that I would absolutely meet them the next day at XXXX. However, no one showed up to my parents residence, but XXXX days later, someone STILL showed up my work and served me with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: MS

Complaint narrative:
I reached out to company on XX/XX/XXXX about credit inquiries that were not authorized by me. I spoke to XXXX and I even tried to talk to her about getting them removed. I then filed a report about identity theft and they still did nothing to protect my account or remove the inquiries. I have attached the identity theft 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 2018-07-30 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: NC

Complaint narrative:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, XXXX and Transuion credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, XXXX  and Transuion but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, XXXX  and Transuion on XX/XX/2018 and was told XXXX never contacted them.

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 2018-07-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my Equifax, XXXX and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from Equifax, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted Equifax, XXXX and XXXX on XX/XX/2018 and was told XXXX never contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: NC

Complaint narrative:
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from XXXX on my XXXX, Experian and XXXX credit report that i did not AUTHORIZED. 

I spoke with the XXXX Fraud department by phone once i was notified of these unauthorized hard inquires. 

after being asked security questions by XXXX i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by XXXX. 

They did not remove those unauthorized hard inquires from XXXX, Experian and XXXX but allowed them to stay to intentionally hurt my credit score. 

I contacted XXXX, Experian and XXXX on XX/XX/2018 and was told XXXX never contacted them.

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 2018-07-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Capital One has not provided requested information including their PHYSICAL mailing address for filing a notice of small claim, this was requested in prior complaints, a XXXX XXXX replies with a website address. Capital One placed a stop payment on a close out check in error, reissued it, intercepted by a third party. The funds were not received by myself and I believe Capital One is aware of this, refuses to do anything further. A small claim needs to be filed for missing funds, a total of XXXX. Messages have been left, seven in total, for XXXX XXXX and not one returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30 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: MS

Complaint narrative:
On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. 
Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy. 
Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.

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 2018-07-30 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: MS

Complaint narrative:
On XX/XX/2018 I mailed the credit bureau a letter requesting them to remove dismissed & unconfirmed bankruptcies from my credit report. I stated that I was outraged that their company continues to maintain multiple dismissed ( filed ) bankruptcies as confirmed on my credit report. These unconfirmed, unverified, and dismissed ( filed ) bankruptcies have stopped me from obtaining credit. I know for a fact these companies receive information on bankruptcy from a third party system known as a XXXX XXXX. The XXXXXXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it the credit bureaus policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief.

Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. They have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act they delete this from my credit report and send me an updated copy.

Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this.

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 2018-07-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I contacted the company regarding incorrect charges on XX/XX/18. The company received my disputes on XX/XX/18. via certified mail. It is now XX/XX/XXXX and I have not heard back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2018-07-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I feel the repayment plan that was set up for my student loans has been misleading and are structured in a way that causes harm to the borrower. I have been making payments on my student loans for a little over 4.5 years and have not seen any progress. Since 2013 I have paid a total of {$15000.00} however my balance has only decreased by {$3000.00}. I am on an Extended Repayment Plan that will not repaid until 2040+. I will be refinancing my loans with a private company now that my credit is established. The private company has offered nearly the same interest rate with a 15 year term. In addition, my estimated payment will only increase by {$100.00} a month. Had the terms of Navient been similar to the private borrower I would only have approximately 10.5 years left and a substantial decrease in principal balance. The structuring of the Extended Repayment Plan that was recommended by Navient has caused me to potentially stay in debt for over 20 years. This should not be legal because it takes advantage of students that do not have credit established in order to qualify for a private loan with regulated terms.

Company response to consumer: Closed with explanation