vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: IL

Complaint narrative:
I submitted a public record investigation request to LexisNexis XXXX2017. I received a response ( case # XXXX ) more than two months after stating that the public record item was verified. In my correspondence, I request the Method of Verification which LexisNexis did not give in clear violation of FCRA. Additionally, they exceeded 30-day response requirements as per the FCRA. They know this because I have a friend who had the same issue recently and LexisNexis in accordance with the FCRA removed the item in question I contacted the court and the clerk was certain there was no verification request from LexisNexis How can this be..?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
CitiMortgage, Inc. claims to be the holder, through several unrecorded assignments, of a mortgage originally granted by the former XXXX XXXX XXXX XXXX, XXXX. ( The FED describes this as having been a voluntary take over of XXXX XXXX XXXX XXXX assets and therefore not in the purview of their assistance with failed banks. ) The mortgagee, XXXX XXXX, is XXXX. She contracted to sell her home in an arms length transaction. She paid the payoff amount provided by Citimortgage. The buyer 's bank and title company will not accept the discharge from CitiMortgage because they say the ownership of the mortgage is not a matter of record at the regiastry of deeds. Citmortgage, despite demands by certified mail, has so far refused and failed to provide recordable proof of their ownership of the mortgage. As a consequence, XXXX XXXX can not pay her XXXX home bills and could be at risk of eviction from the XXXX home. Until she expends the house proceeds on her XXXX home, XXXX ( XXXX ) will not pay for her XXXX home expenses. she is caught in a catch 22 situation. 

Massachusetts law requires that mortgage assignments be recorded at the regisatry of deeds, and that the holder, on payment, provide proof of ownership of the mortgage. Despite being provided with a copy of the statute, XXXX has failed to respond.

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 2017-10-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: UT

Complaint narrative:
In XX/XX/XXXX, I started a home loan modification with XXXX XXXX XXXX. I submitted ALL the paperwork numerous times, via fax, email portal, and express mail. For four months they dragged it on saying they did n't receive this or that and each time I resubmitted paperwork. And each time they needed something else submitted. After 4 months of this and consistent weekly and sometime daily calls to them, I decided to try a different route but it was with a company who charged for it. At that point, I realized my mistake of paying someone to help and confronted the owner of the company and was given a partial refund. By then, XXXX XXXX XXXX had turned my loan over to Carrington Mortgage Services. 

This time I approached XXXX XXXX XXXX ( HUD ) for assistance. I thought if I went through an organization that deals with this all the time, then it would be documented etc. 

In XX/XX/XXXX I started a Home loan Modification with Carrington Mortgage Services. I had n't heard anything about any other information needed other than I needed a Durable Power of Attorney, due to the fact that My husband is in XXXX, and I need to deal with all of this alone. My name is on the deed, but not the loan, which I got and sent a copy to them, the day after the request. After a substantial amount of time, in XX/XX/XXXX, I received a letter stating that the case had been dropped due to the requested documents not being received. 

At this point, I called and was told they had no information on file. No sign of a loan modification that had been started. This was after the agent I was working with told me she had received emails stating it had been received. As of now, I have a foreclosure Auction date set for XX/XX/XXXX. We have resubmitted the entire package again, sent certified mail today, XX/XX/XXXX to Intake Department Carrington Mortgage Services XXXX XXXX XXXX XXXX. XXXX XXXX & XXXX XXXX XXXX, Ca XXXX with a contact number of XXXX XXXX XXXX. 

After speaking with Carrington Mortgage Services customer reps via phone EVERY DAY since being told I would have to resend, yet again, a durable power of attorney with a password, before they would even talk to me about the case. I Faxed it over that day. Thursday XX/XX/XXXX. I  called again after I was told that they would put it on my file THAT DAY, so I could speak to someone. It is now XX/XX/XXXX and still they have not input the data. 

This has caused such undue XXXX and XXXX to me that I have now had to go on medication. I need action! I need to not lose my home! I need a home loan modification so I CAN afford to live. I need help with this. I would like this reported to both XXXX XXXX XXXX and Carrington Mortgage services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: DE

Complaint narrative:
I received an education award from XXXX onXX/XX/XXXX. That was then sent to XXXX XXXX XXXX on XX/XX/XXXX for {$2300.00} and XXXX/XXXX/XXXX for the amount of {$2300.00}. Contacted XXXX XXXX and they have no record of the payment sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello We recently had a dispute with Chase credit card services. Below are the dates and amounts of the transactions. 

XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$5800.00} Show details XXXX XXXX XX/XX/XXXX XX/XX/XXXX Adjustment XXXX XXXX Work RelatedCategory for XXXX XXXX : {$540.00} The transaction was disputed because we never received the services from the vendor. Chase had asked us for more details which had been provided to them. They told us the information was never received and that they only accept it via fax. We tried faxing it multiple times and they told us it takes 1 day to verify receipt of a fax so they could not tell us right away. 

After all of this occurred they closed the case and told us it has been too long and that they never received anything. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
I opened a XXXX XXXX Account on XXXX XXXX, 2017. The next day my account was restricted due to a notification from Early Warning Services. I contacted them regarding the information that was given to XXXX XXXX. They then drafted a consumer report and was sent to me. I found that the information in the consumer report was not only inaccurate, but financial information was being disclosed between my current bank and Early Warning Services. After question EWS regarding why this information was disclosed, they were unable to answer my question but redirected me to contact the bank. After contacting my bank, they were unable to understand why I was being reported to EWS when I had no fraudulent activity or suspicions on my account ever. I then disputed all information that was given to EWS along with XXXX XXXX XXXX checking my EWS consumer report almost monthly when I do n't have an account with them, nor have I ever applied for a XXXX XXXX XXXX service. Early Warning Services if reporting incorrect information on me from several resources, and has failed to respond to my request regarding these accounts. A dispute was faxed over to the company and they have failed to respond. 
Consumer ID XXXX They failed to provide a reason for the restriction of my account, and failed to tell me why current bank account information is being shared with a 3rd party consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted to speak with a LIVE agent at Equifax but unsuccessfully numerous times. 
I am NOT able to logon to their Official website. It is NOT accepting my Username or Password. When I go to Forgot Password it prompts me to enter my Last name which I know and my social security number as well as my date of birth, I click submit but it automatically tells me that they can not log me on and that I need to call but when I look to the upper Left hand of the page it can see my name Welcome XXXX ... ( what is that??? ) I am not able to get through as the phone rings out and then hangs up. What do I do? I do n't know if I am affected by the security breach. 
I want to know if there is a Security and or Fraud Alert on my account and I need to dispute some things.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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 have repeatedly disputed these hard inquiries with XXXX, XXXX and TransUnion. I pulled my credit reports on XXXX XXXX. I discovered that I had XXXX hard inquiries that were unauthorized. I never gave these companies the permission to run my credit for any reason. I have also wrote letters to each company asking for a signature of authorization with no response. 
The XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX of XXXX XXXX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc.
State: KY

Complaint narrative:
around XX/XX/XXXX i contacted sterling talent solutions about being denied employment with XXXX. they didnt help me with anything and didnt offer to investigate the issue. i wanted them to point me in the right direction of what needed to be done but i was rushed off the phone. they didnt care at all about me being so upset about the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: SC

Complaint narrative:
Fidelity information corp {$2200.00} XX/XX/XXXX I disputed on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I was trying to cancel a credit card on a home depot account that I did not know I was associated to and have not ever had a card for this account, due to legal reasons I can not contact the main user of the account. I recently discovered this card was negatively affecting my credit score. Upon calling ( called on XX/XX/2017 at about XXXX XXXX  EST ) I was not able to do anything because the only ways the representative could look up the account was through : 1 - Social security number, 2 - Account number, 3 - Phone number. 1- Social security number, I have never had this information on the main user 2- Account number, I have never had this information either 3 - Phone number, I have had this phone number deleted for a few years, it may have even changed since the inception of the account. 

After pleading with the rep, he was unwilling to explore any other way to look up accounts, even after explaining the situation a little further. I was very frustrated and stuck with no options. As a national company I am sorely they did not offer any other options or help with this issue.

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 2017-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXXXXXX XXXX XXXXs ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies.

The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue

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 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
XXXX XXXX has recently begun reporting an erroneous collection to the various reporting agencies on behalf of XXXX XXXX. I have never had an account with XXXX closed or left remaining with an open balance. I disputed the debt to XXXX XXXX, and XXXX replied that the information should be removed from my credit history, and it was. So, no issue there, except that they instructed XXXX and XXXX to continue reporting the identical account after instructing XXXX XXXX to remove it. I have attempted to dispute the collection and its reporting, but XXXX continues to verify to the credit reporting agencies that the debt as accurate. I can only assume they are n't bothering to check with XXXX, as I 'm positive even a cursory search will reveal the account is not mine. This brand new collection is causing a lot of damage to my credit just as I am attempting to buy a home, and I would like to avoid a lawsuit for this misplaced collection keeping me from that.

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 2017-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
TILA, FCPA, FDCPA and Privacy act VIOLATIONS This is an attempt to validate a debt, against ALLY On XX/XX/XXXX and on XX/XX/XXXX I made the total payment for the remaining auto balance. Even though, being aware that I never received a loan and the bank is committing fraud per GAAP and TILA. My wife called XXXX XXXX on XX/XX/XXXX in the morning to confirm payment was received. She was told by your representative that full payment was received and a remaining balance is do to you. We will return the balance to you and I will send an email for them to release the lien. The call was also recorded. LOAN PAID IN FULL! XXXX XXXX loan and lien has been fully paid and satisfy. I have all documents from Ally as proof ( Ally Congratulations with Contract stamped PAID IN FULL, title and lease release. I have NOT seen any evidence to support any allegations to the contrary, and I believe no such evidence exists. Payment confirmation copies attached from ALLY website, 4 pages. Also, attached copy of letter from Ally Congratulations, title and lease release. Furthermore, copies from the credit Bureaus showing Ally account paid and closed. ACCOUNT AUDIT was sent out certified mail to the Title CFO XXXX, XXXX XXXX and CEO XXXX XXXX. Also via Ally website on XX/XX/XXXX ( attached ). 

You can contact me at above address and email me at XXXX. 

Ally is refusing to close the account and is still requesting payments. Also Ally reinserted negative loan information on my credit as owe and late. Please close this account # XXXX and remove information from credit Bureaus. 

VIOLATIONS of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ) TILA and Privacy act. 


I am requesting your assistance in putting an end to this matter before filing a lawsuit.

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 2017-10-03 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: GA

Complaint narrative:
I called Experian about the credit reporting information and my score not going up although my score has went up on XXXX and XXXX. They are still showing accounts that should have been removed.

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 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
For the 2nd time in 19 months our mortgage payment is going up with no explanation why. Caliber Home Loans Inc. only states " in accordance with federal guidelines ''. In checking with the XXXX Assessor, there have been no changes in the value of the home and have not been notified of a property tax increase. So my wife and I are trying to find out why our mortgage amount has increased twice since we got the home last XX/XX/XXXX? No answers and no one has been forth coming. The principal and interest are fixed. Something seems awry and needs to be corrected. 
When one budgets expenses, the expectations that costs are fixed. With and ever increasing mortgage payment, how is anyone supposed to stay in their home? I expect a swift resolution to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Sold the House at XXXX XXXX XXXX, XXXX, NC, XXXX as short sale. MY name and my wife 's name on the house. Nationstar Mortgage approved the last offer after they denied two offers before. 
After the process of the short sale completed, Nationstar Mortgage ( XXXX XXXX XXXX XXXX, XXXX, TX, XXXX ) issued two XXXX form for year XXXX, one for me and one for my wife with {$22000.00} each. 
MY tax accountant used both forms Total of {$44000.00} as income with our income tax for year XXXX, which effected on our refund amount. 
I have called Nationstar Mortgage to discuss those two forms because the amount of {$44000.00} is too high. They mentioned they have lost only {$22000.00} because of the short sale. I have asked them to send me a new XXXX with my name and my wife name with total amount of {$22000.00} because we file joint income tax or send me two XXXX one for me and one for my wife with {$11000.00} each ( $ XXXX ). Also asked them to send me itemize document to show how they lost {$22000.00} I have called them three times until now I have not received any response from them. 
I have attached some documents for your record. 
I appreciate your help to get them fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Violates XXXX and CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MS

Complaint narrative:
I have been back and forth with this company, XXXX, XXXX They have agreed to delete and then every other month they add this debt in the amount of {$520.00}, not owed by me back on my credit report. I do not owe XXXX XXXX XXXX XXXXe nor have I ever set up any service with them. This is messing up my credit report and I do not appreciate this period.

Company response to consumer: Closed with explanation