vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX i received my trial modification paperwork from XXXX. first paymnet due on XX/XX/XXXX final on XX/XX/XXXX on XXXX mortgage was then sold to I Carrington Mtg Co. I have made all my required payment as agreed in the trial modification, I received my final docements on XX/XX/XXXX and returned them on XX/XX/XXXX. The papers stated my first payment is due on XX/XX/XXXX but Carrington advised I was due a payment in XX/XX/XXXX and cant tell me where that money is going and the final modification paper amount will differ because of that payment, I can not get a straight answer as to when my final docs will be uploaded they can not give me a balance etc but they are wanting a payment when i clearly made XX/XX/XXXX pymnt in XX/XX/XXXX and the documents state the account wasnt due until XX/XX/XXXX when I was made to pay it in XX/XX/XXXX. They are still reporting negative to my credit and all my payments are being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I first contacted equifax by phone to dispute several inquiries on my credit report and I was n't allowes to dispute the inquiries by phone. I was told I could dispute them online or in writing. I disputed them online and the investigation was completed the same day. I was told that the inquiries were factual. The inquiries on my rwport werw not the result of any request made by me. They did not investigate my dispute. I also contacted the creditors to have them removed and they directed to request the inquiries be removed by the credit reporting agency. Tge inquiries are affecting my credit standing. I understand that inquiries that I initiate will remain on the report. I only want tbe ones that were not initiated by me removed. 
Thank you and I wiuld appreciate assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I am a victim of Identity Theft, and I notified  Ford  more than once, asking for copies of any signed documents. I have not received this proof, after multiple requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
The mortgage originator that worked for Wells Fargo was a XXXX and had personal financial issues. He knew my person issues - separating from a 30+ year relationship and all my financial history. He played me for which I am truly embarrassed. However, he would never have been able to do that unless he knew all of my personal information. He coerced me into a personal loan for {$30000.00}. Wells Fargo has no interest in filing a complaint against his XXXX # for me nor do they have an interest in offering up a solution. This transaction was done while working on XXXX mortgages for me and while working for Wells Fargo. Some of the personal loan information was done on WF email. He should never have been in that position with his financial history, bad credit, tax liens, etc. or because of his XXXX situation.

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Transunion I need to asked you. You claim that you verified XXXX and refused to verify it again per your statement I need to ask How did you verify this information and its not my account! if you look at the attached files the account that you are reporting is not even close to the account number that I was assigned with XXXX. Transunion you have lied to me caused me a lot time for your XXXX because of your Negligent 's I urge you to delete this account today. I do not want XXXX card to report anything about me Until they send me a complete contract and terms that this is indeed my account. because this is not my account I will Notify my local police tomorrow and report a fraud report and contact a lawyer to sue I REPEAT I NEED YOU TO DELETE THIS ACCOUNT TODAY. YOU CAN LET XXXX CARD KNOW THAT THEY WILL HAVE TO SEND ME A CONTRACT IN ORDER FOR THEM TO REPORT ANYTHING ABOUT ME AS DUE FACT THAT THIS IS NOT MY ACCOUNT ALSO XXXX UNVERIFIED ACCOUNT PHYSICAL PROOF WITH MY SIGNATURE ATTACHED ALSO ALL CREDIT INQUIRES THAT IS MORE THAN 30 DAYS OLD

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 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
My mortgage loan was purchased by Dovenmuehle Mortgage on XX/XX/2017 from XXXX. XXXX bank sent a notice they would no longer accept payments effective XXXX XXXX, so I mailed my XXXX payment to the address provided for Dovenmuehle Mortgage. They cashed my payment on XXXX XXXX, but never applied my payment to my loan. Today is XXXX XXXX, and they still have not applied the payment. Dovenmuehle earning interest off borrowers money and causing borrowers principal balance to increase because the payment is never applied. I am confident this violates banking and consumer laws, and this must be stopped immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I took a out a mortgage in XX/XX/2006. The lender advertised low monthly payments and low interest rates which mislead me to take out a mortgage loan. However, the low monthly payment and low interest rate was never apply to the loan I took out. I tried to do loan modifications but even that has been denied several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Incorrect Name : XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

XXXX This name is incorrect and is not an accurate name for me. Delete this name for violating the FCRA. 

Incorrect Social Security Number : XXXX This SSN is incorrect and is not an accurate SSN for me. Delete this SSN and any accounts associated with it for violating the FCRA. 

Incorrect Address : XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA. 

XXXX, MD XXXX This address is incorrect and is not an accurate address for me. Delete this address for violating the FCRA.

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 2017-04-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
During the entire time that Navient has been servicing my student loans, not once have I been offered the option of an IDR PLan because I could n't make my monthly payments. I have been unemployed since XX/XX/XXXX and have been reapplying for various deferments and forbearances. I have maxed out the allowed deferments that I 'm eligible for and now that my last deferment is ending in XX/XX/XXXX, I thought that my only option of deferring payments was through voluntary forbearance. It was n't until I asked about IDR Plans is when the option was ever suggested to me. I even asked the CSR about the different options that are offered under IDR Plans. The CSR acted like there was only one option available to choose from. On the Navient website and the Federal government 's Financial Aid website, I know that there are 4 options that I could possibly apply for : REPAYE, PAYE, IBR and ICR. I wish the CSR could have been more knowledgeable because she acted like I did n't know what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I applied for forbearance because I do not have options for deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
Keep getting harassment calls from my mortgage service company Seterus , Inc. My mortgage is due on the XXXX of each month and late on the XXXX. Continuously receiving calls from this company even though the terms of mortgage payments are being met. Mortgage is usually received between the XXXX and XXXX of each month which is within payment requirements. I have asked this company on numerous occasions to cease and desist with this unwarranted and harassing calls but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a dispute with Equifax on or around XX/XX/2017. Multiple items were deleted, however several items came back as verified. I contacted Equifax on XX/XX/2017 and asked how the items were verified. I was advised by a customer service rep ( XXXX ) as well as a supervisor ( XXXX : ID # XXXX ) that the disputes were electronically submitted to the creditor and that they received an electronic response stating that the account belongs to me. I was told that they do not have any documents, only electronic files. I requested proof of verification. I was informed that the only information that they could provide to me was that the account was verified and referred me to the creditor. 
I would like to know where are the documents that were used to verify these accounts? What is the name of the person in the company who verified and authenticated these accounts? What documents did they use to verify them? Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). The supervisor, XXXX, advised that I would receive a document via mail that explains their general verification process however she would/could not address the concerns regarding the verification of the accounts on my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First Federal Credit Control, Inc.
State: TN

Complaint narrative:
In XXXX XX/XX/2012, a police officer assaulted me in Florida then the unit on site sent me to the hospital involved with XXXX bills listed on my credit reports : First Fed Control # XXXX and XXXX # XXXX. I find the facts that I was sent to a hospital outside of my permission, did not sign any authorization for treatment, then was charged for this event as humiliating, degrading, and disrespectful. Since XX/XX/2012, I have received numerous debt collection letters related to this event that was dismissed by the Florida court system and remains on my record. I reported this to a representative of XXXX, and the accounts were considered accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Riverwalk Financial Corporation
State: FL

Complaint narrative:
I saw a debt collection on my credit report for the amount of {$2700.00} from  Deville Asset Management.  I called the company and was told it was a   XXXX     XXXX   XXXX  Credit Card. I told them I have never had a  XXXX   XXXX   XXXX  Credit Card. They said that it was me and it would negatively affect my credit report until I paid.  XXXX  said I could pay {$2500.00} right then, but that was the last time she could offer that. I said I ca n't do that, and would n't or debt I did not make. They called my place of work and my cell phone, were disrespectful, and threatening. I called back later with my father, and they again said the same thing. We called  XXXX   XXXX   XXXX , and they could not find my social linked to any account, closed or not. I called back Deville, They gave me an account number, and said  XXXX   XXXX   XXXX  could n't find it because they had. So we called back  XXXX   XXXX   XXXX , and gave them the account number. They said that account does not belong to   XXXX   XXXX    XXXX , we have no record of it or you in our system. and we can look back 10 years. We would be able to see if it was in collections. We then called back with   XXXX     XXXX   XXXX  on the line, when the  XXXX   XXXX   XXXX   XXXX  said that this call with be monitored and recorded, Deville said that the account had been flagged, and the debt collection was being stopped. This is a scam company, and they were trying to steal close to {$3000.00} from me. They should be in jail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have twice filed complaints with TransUnion regarding my credit report [ This after attempting to get a resolution with the " creditor '' in dispute, XXXX XXXX XXXX ], and I can not seem to get them to understand that the credit line is not mine. My ex-wife and I divorced in 2013. She took the XXXX ; I took the XXXX. Our Divorce Decree/Property Settlement states that she took responsibility for the XXXX and that I took responsibility for the XXXX. This is a court ordered settlement. TransUnion first said that the account was indeed in my name at the outset of the loan. That fact was never in dispute. I twice sent them a copy of the property settlement -- a legal document -- and they still will not correct it. The last person to whom I spoke said that TransUnion does not accept a court order as proof that the vehicle was not mine. So I now have a Trans Union employee informing me that TransUnion is not subject to the laws of a state in which it operates. Please do inform TransUnion that it is indeed subject to state laws, and that the property settlement which I twice supplied them DOES indeed mean that the loan in question was not mine and that they ARE required by law to remove it from my credit report. 
Thank you

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 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am having trouble getting my credit report from annual credit report from tarns union. 
They say it is not there fault but annual credit report`s fault.

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 2017-04-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I went to Target to purchase gifts for my family in XX/XX/2016 in the original amount of approximately {$240.00}. The cashier said I could save 5 % on the current purchase if I signed up for the Target Red Card. She said it would only take a few minutes and that I would receive the red card in the mail. So I agreed, and signed up at the cash register. A few months go by, and I start receiving phone calls from Target headquarters stating that I owe them over {$300.00} in unpaid credit card charges. So I checked my mail and sure enough, the original purchase of {$240.00} was charged to the red card I had signed up for, but had not yet received. The red card had {$38.00} late payment fees and a ridiculous 23 percent interest rate. The biggest problem is that it was not made clear to me that the purchase would be immediately charged to the red card, right after I signed up, and then be charged accruing interest and late payments on purchases I was not aware were charged to the red card. I believe this was a predatory and deceitful practice, and especially heinous because it happened during the holiday season.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Hi, I have tried now 7 times to get my date of birth corrected. It stays corrected for about 1 to 2 days and reverts back to the wrong birthday. The most recent Equifax dispute numbers are XXXX, XXXX and XXXX. Again it was corrected for 1 day and reverted back. I filed a CFPB complaint XXXX and again it was corrected but reverted back in 1 day. I have spent several dollars trying to correct this and buying credit reports. What will it take to fix my birthday to XX/XX/XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax XXXX XXXX, GA XXXX Or XXXX XXXX XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX SS XXXX DOB XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : [ XXXX CR ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX ACC # XXXX ]. 
As required by FACTA and in support of my request, I am including a copy of my identity theft report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. I may be reached by telephone at [ XXXX ] Sincerely, XXXX SS XXXX DOB XX/XX/XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Io, Inc.
State: VA

Complaint narrative:
The debt collection agency " Receivables Management Systems '' in XXXX, VA at XXXX attempted to collect a debt from medical fees. The only bill I have received included only a total balance, account #, and contact information for the company. No information was indicated as pertinent to dispute, nor was a right to dispute included. Nor was information sufficient to validate the amount of the debt provided - specifically, I requested an itemized bill so that I could verify individual charges before I agreed to the total, and they have refused to provide an itemized bill. It has been several weeks since I requested that information.

Company response to consumer: Closed
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I have a XXXX Visa Card serviced though XXXX Bank. I always payment my statements as soon as they come due. One day, I noticed that the account number on my statement was not right a few days later another statement came. It ends up there are two seperate accounts open in my name. I have made payments on both account in the past by mistake. I have called the bank and tried to explain the situation and was treated very rudely. I have had my attorney contact them and notify them that we dispute the second account and that it must have been opened fraudently. The amount due is fairly trivial, I just want the account closed before whoever opened it tries to use it again. XXXX has been very uncooperative with both me and my attorney. They have sent my attorney a packet of statements, with crudely scribbled notes on them, which actually indicated 3 accounts were open, when questioned, they said it was an error and only two accounts were open, but still they have not closed the fraudulently opened account. We are elderly and I feel that I am being taken advantage of.

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 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/XXXX and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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