vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Seterus, Inc.
State: MI

Complaint narrative:
My wife and I opened a 10 year mortgage for my vacation home in Florida in XX/XX/XXXXwith XXXX. After about 7 years, I received notice that my account was being transferred to Seterus, Inc. and I should start making my payments to them. We live in Michigan and own a small business, we were greatly affected by the XX/XX/XXXXrecession. As a result we accumulated a large amount of debt which we committed to paying in full and not shirk our responsibilities by going to short-sale or foreclosure. We made our monthly mortgage payments to Seterus on a regular basis, but the payments were sometimes late. Not over 30 days, but we incurred numerous late fees. In XX/XX/XXXX, I called Seterus to make my final principle and interest payment and mentioned this at the time. They gladly took the payment over the phone to pay the principle and interest in full. They then stated that we had some outstanding late fees, I said I was aware of this and asked if I could speak to someone who might offer some assistance in reducing these late fees to close the account. The representative said she would send us a payoff statement and have someone call me. The statement I received did not show the amount that I had calculated as late fees. In fact over the next 5 months I received 5 different letters/statements all with different amount due of late fees. I attempted to reach out to a representative to resolve this issue. I was tossed from one representative to another, left numerous message and never received a call back, and was even hung up on. One time when I did speak with a rep. and asked about the discrepancy about the fee amounts I was told that since our last payment went 31 past due because of the holiday, that the system automatically billed us for another monthly installment even though the principle and interest was paid in full. Finally, in XX/XX/XXXX, after no viable correspondence, I decided that I would start making monthly payments on the account. I mailed in {$500.00} in good faith. A week later I called to see if they had received the payment and was told that my account was paid in full and I had a {$0.00} balance. I was unaware, that while I was trying to contact Seteraus to resolve the late fees that I was being reported negatively to the credit bureau. It took until XX/XX/XXXX to receive the Satisfaction of Lien statement from Seterus. Now my credit shows that I was up to 120 days late, which is very damaging, and I am trying to obtain a new mortgage. I thought after almost 2 years my credit would solid. Much to my surprise, because Seterus, it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has reported to XXXX ( XXXX ) different banks negative information. I.e. A Bankruptcy. I called made dispute and Equifax swears up and down they gave no information like that to these banks. The XXXX XXXX XXXX, XXXX Tx. Told me that Equifax reports a bankruptcy, that was in XXXX 2017.  XXXX XXXX, reported to this bank a bankruptcy just 10 days ago. And now, XXXX XXXX took XXXX dollars away in my credit card for the same misinformation. When I called Equifax on XXXX XXXX, 2017, I told them this, they told me they have no Bankruptcy on file. Well, I would like to know where these XXXX banks got their information? All XXXX have told me personally Equifax supplied this information, I want these banks contacted immediately and told the truth. Thank you for your time in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
MULTIPLE inquiries on my credit report by Chase Card for an Amazon.com Visa Signature Card that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted Chase Card and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Frankly an opinion formed by direct response from a lender- " XXXX '' provided my FICA score. THEY- XXXX outright lied to me if what I was advised is correct. XXXX gave me a XXXX score. THEY said they do not set the score when bank stated they did. Very upset 6 months and still incorrect but a day after a negative it was immediately on the report. Opinion a scam to artificially keep score low to inflate interest charges for consumers.

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 2017-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}

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 2017-07-21 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Reporting Agencies are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with : XXXX XXXX XXXX OR XXXX XXXX XXXX. I DO NOT have a signed contract nor ANY contract with XXXX XXXX XXXX OR XXXX XXXX XXXX. I have the right to demand a to see an original signed contract between XXXX XXXX XXXX and myself and XXXX XXXX XXXX and myself. These contracts do not exist, the accounts are unverified, and hurting my credit report. Therefore, the below mentioned accounts MUST be removed from my credit report immediately. XXXX XXXX XXXX, {$520.00} XXXX XXXX XXXX, {$570.00}

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 2017-07-21 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: VA

Complaint narrative:
Well, this all started back in XXXX when i paid my XXXX XXXX XXXX off. I called National Auto Finance Company to send me my title and XXXX XXXX of National Auto Finance said he would be mailing it out. I never received my title. I called back numerous times in XXXX, XXXX and they told me they would get a duplicate title and resend it. I never received anything from them. My car sat in a garage as i did not know what to do as i had no title for the car and my car i could n't get registered after i moved. I went to the DMV in XXXX and they told me I had a lien on the car from a tax debt from XXXX. I called the State of Indiana and satisfied the over {$300.00} tax lien. I have submitted the paperwork to get my title through the BMV of Indiana and now they tell me that National Auto Finance has a lien on the car. I have been calling National Auto Finance back all week and they said there is no lien on the car, but they have to verify that the State of Indiana tax lien has been paid. I have been calling them and all i get is " We will call you back. '' THEY NEVER CALL ME BACK. I want my title to my car as it 's been two years that I have been dealing with this. This is riduculous! Can someone please help me?? I do n't know what to do.

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 2017-07-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! Capital One XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 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: CITIBANK, N.A.
State: TN

Complaint narrative:
MULTIPLE inquiries on my credit report by XXXX XXXX for an XXXX XXXX XXXX XXXX that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted XXXX XXXX and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX Citibank 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 2017-07-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have tried numerous time to have this information remove from my credit report trans union, XXXX, and XXXX have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX XXXX as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way

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 2017-07-21 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: CT

Complaint narrative:
I have tried numerous time to have this information remove from my credit report XXXX XXXX, XXXX, and experian have not complied to my request I 've disputed the company XXXX XXXX XXXX as well as XXXX XXXX company as fraudulent activity on my credit report I 've fax in a police report of identity theft and to no avail this matter is still on all three credit reporting agency I want this to be removed from all three credit bureaus the customer service representative of all three agencies are rude and they do not look into the disputes that I have filed on line to no avail this is a nusense to me in every aspect of the the way

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 2017-07-21 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: CA

Complaint narrative:
in XXXX of this year, I have a copy of a letter from XXXX XXXX addressed to Transunion that they requested the removal of incorrect/fraudulent applications that were made in my name for credit/store cards with the following, XXXX, XXXX, XXXX. I have today obtained an updated copy of my credit report dated X/XX/2017 from XXXX creditwise services to find that despite, me informing Transunion that I was a victim of fraud and that various attempts to apply for credit in my name was fraudulent. As of todays date Transunion still hold these searches on my report, which reflect negatively on my report. Transunion were already contacted in May! so almost 3 months ago from XXXX XXXX to say that they have requested transunion remove these searches from my credit file. Today my transunion report reads XXXX XXXX 2017 applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX XXXX XXXX applied for a credit card with XXXX/XXXX WHY are this incorrect information STILL on my credit report?????!!! They were informed by me and by the bank they was fraudulent. Yet this incompetent company still holds incorrect information regarding 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 non-monetary relief
Consumer complaint received 2017-07-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
this problem began in XX/XX/XXXX, my wife took out a mortgage with XXXX XXXX XXXX  with an interest rate of 10.5 percent and ceiling of 17.5 percent and they quickly sold the mortgage to XXXX XXXX and that is when the problem began. I hired an attorney from XXXX XXXX, XXXX XXXX, and when it came to going to court XXXX XXXX sold the loan the day before the court date to XXXX. to make a long story short the day before XXXX was to show up for court they sold the loan to XXXX XXXX XXXX. and it started all over again and XXXX XXXX XXXX sold the loan to Select Portfolio Service ( SPS ) the day before the court date. SPS has had the loan over 2 years and in trying to modify the loan to get the interest rate in line I have never talked to the same person twice. we filled out all the papers for the modification and before they could get back to us certain parts were outdated and had to be redone. Eventually they accepted the modification after two years of fighting to get it done but we have yet to receive anything in writing pertaining to the modification and have not done anything in a timely manner and the people we spoke to at SPS ( who was never the same person ) never noted the file and we had to repeat everything again. they say they have everything needed for the modification and a decision will be made in 30 days. We hired XXXX XXXX XXXX XXXX out of California who stated they looked at the files and feel it is predatory lending and forclosure fraud by all of these companies. they doubt if any of these companies ever recorded the change in going from one bank to the next.We have been in this house since XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2017 I sent a validation letter to Resident collect inc. to validate an alleged debt which they saw I owe, I do n't agree, so I need validation. 5 days later I received a computer generated bill with what looks like a someone forged my signature. I sent a follow up validation letter and received the same computer generated paperwork. I never did business with Resident collect, I never agreed to pay this company a dime! I want to know why I owe this company {$4200.00}. please have them provide proof of any agreement that grants them authority to say I owe a debt, Resident collection authority to collect on any alleged debt any any judge name that signed off on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Received my credit report from equifax, XXXX, XXXX in regards to some inaccurate information on my credit report of charge offs from united illuminating that I have disputed and would like for that information to be remove from all of the credit agencies to no avail I want this information to be gone

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
-XXXX XXXX XXXX Private Student Loan obtained XX/XX/XXXX, $ XXXX Me with Parents as Cosign -Sold to XXXX then Sold to XXXX XXXX XXXX -Payments made faithfully -Cosigner File Bankruptcy I think XX/XX/XXXX -Payments were ongoing -XXXX XXXX XXXX Suspended payments on their own initiative because of Cosigner in Bankruptcy -Somehow Loan Declared as Defaulted with Date of First Delinquency XX/XX/XXXX -XXXX XXXX XXXX Remained unreachable, Loan Disappeared -Attempts to Find the Loan with XXXX XXXX and XXXX were unfruitful as no one knew how to contact the XXXX or what happened to the Loan XXXX XXXX Cosigners Bankruptcy Case Closed, I called XXXX to follow up with Loan XXXX, They Could not localize the loan that they Had secured from XXXX in my name or my cosigners name. XXXX : XXXX Consumer Reporting shows TRANSWORLD SYSTEMS having placed an Account in Collections for me, Date Assigned XX/XX/XXXX -XXXX confirms now XX/XX/XXXX a last known balance of {$7400.00} and provides me a non-working telephone number for the XXXX, multiple attempts failed -I found a different number and reached the XXXX who now ARE able to find my loan and is NOW able to give me information on TRANSWROLD SYSTEM as the company Servicing the Loan on their Behalf -I Speak with TRANSWORLD SYSTEM who is able to verify my account but has home addresses and telephone numbers that are 8 years old ; they have never made any attempt to contact me, neither has XXXX. -TRANSWORLD SYSTEM says a " different department '' is managing my account, I am transferred to the LAW OFFICES OF XXXX XXXX XXXX XXXX XXXX XXXX , Florida who confirms my account is in collections, no other information provided as to promissory note, proof of debt, XXXX account information over the phone. -LAW OFFICES OF XXXX XXXX XXXX claim I owe {$7800.00} that they are collecting for XXXX ; a different balance than that provided by XXXX today as the original amount owed. MY GRIEVANCE IS THAT THERE IS A COLLECTIONS ACCOUNT FILED AGAINST ME WITHOUT ANY EVIDENCE OF THE ACCOUNT BEING OWED OR PROOF OF TITLE. THE LOAN IS IN DEFAULT WHICH IS NOT POSSIBLE AS THE LOAN WAS BEING PAID APPROPRIATELY UNTIL XXXX  ADVISED THAT PAYMENTS WOULD NOT BE ACCEPTED RELATING TO COSIGNER IN BANKRUPTCY. I WAS NEVER CONTACTED BY ANY OF THE ABOVE MENTIONED PARTIES WITH REGARDS TO THIS ACCOUNT. THERE IS AN ALLEGED PAYMENT HAVING BEEN MADE ON MY CREDIT REPORT ON XX/XX/XXXX ; WHICH IS NOT POSSIBLE AS NO PAYMENTS HAVE BEEN MADE SINCE XXXX SUSPENDED AS ABOVE, WHICH BRINGS UP THE ISSUE OF THE STATUE OF LIMITATIONS.

Company response to consumer: Closed with explanation