vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-31 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
On XXXX/XXXX/XXXX I Disputed All accounts ... XXXX XXXX XXXX XXXX On which they RECIEVED XXXX/XXXX/XXXX and they did not list account # XXXX and XXXX in dispute! XXXX see XXXX XXXX ] They responded with an itemized statement and MAINTENANCE ORDER WITH ONLY ONE XXXX # XXXX listed when they clearly have four listed on my credit file The XXXX # XXXX is also inconsistent with their account number found on my credit report. 
IT list an original creditor with no contact details, and two exact ACCOUNT numbers with different amounts. These amounts are also inconsistent with the amounts found on my credit report under their tradeline. 
On there maintenance order that XXXX PROVIDED IT CLEARLY SHOWS NO BALANCE DUE AS OF XXXX - XXXX, SO I 'M CONFUSE AS TO WHY XXXX IS PRACTICING EXTORTION, FORCING ME TO PAY DEBTS that are already paid, with no CONTRACTUAL agreement bearing my signature. In the maintenance order Credits are being applied to the orginal alleged debts by creditor until XXXX balance and XXXX is also making payments themselves to the alleged debts found on my creditreport. 
They have made payments on two of their accounts # XXXX, XXXX and paid off the other two accounts # XXXX, XXXX for unknown reasons. 
They also are reporting multiple debts with the same open date, same delinquency date, and same REMOVAL date They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have i ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 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: CA

Complaint narrative:
During XXXX - XXXX, I have been a continuous VICTIM OF IDENTY THEFT to date TransUnion is shows FRUDULENT INQUIRIES on my crefit report even after removing the actual accounts. 
1 ) XXXX XXXX 2 ) XXXX 2 different inquires 3 ) XXXX XXXX 2 different inquiries 4 ) XXXX 5 ) XXXX 6 ) XXXX 7 ) XXXX 8 ) XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX 11 XXXX XXXX XXXX 12 ) XXXX XXXX 13 ) XXXX. 3 different inquiries

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-31 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: MA

Complaint narrative:
I have been trying to have these inquires removed from transunion and XXXX. I have had no luck. My ex husband who just recently is now deceased tried to open things in my name. 
XXXX inquiries from XXXX XXXX XXXX XXXX XXXX XXXXl XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX inquiries from discover with no dispute information XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen Loan Servicing employee XXXX XXXX responded to my consumer complaint, XXXX XXXX, XXXX. XXXX XXXX attached a so called XXXX none fully executed XXXX XXXX XXXXXXXX XXXX modification with a forged signature. In addition XXXX XXXX attached loan modification schedule A with forged initials. Forgery and Fraud. It is illegal for incompetent loan servicers to use voided fraudulent documents, false principal balances, false payment history, fraudulent other fees, illegal force place insurance policies, commit fraud in the county recorders official records to slander title, then start using threatening tactics by using cozy relationship with trustee servers as a weapon against homeowners using fear and threats to coerce homeowners into increased modification they never applied for to avoid fraudulent trustee sales demanding hundreds of thousands of dollars in increased principal balances to fill own pockets with cash. I never signed the XXXX so called XXXX XXXX XXXX XXXX modification and I never initialed the loan modification schedule A. Ocwen Loan Servicing employees are covering up the loan servicers crimes so they can steal my home to fill there own pockets with cash. Ocwen and its employee are abusive and fraudulent. I contacted XXXX and was advised the tracking number on XXXX XXXX fabricated documents does not exist. Ocwen Loan Servicing, its shady employee XXXX XXXX and its lawyers are corrupt and should be in prison. This is the United States of America and we allow Ocwen employees and its lawyers commit such unspeakable crimes? It is illegal for the Consumer Financial Protection Bureau to collect millions in fines then allow Ocwen the option to not admit wrong doings so they can continue its crimes and abuse to homeowners, because that is exactly what 's been going on. Is it really about protecting the homeowners or is it really about collection millions?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have XXXX loans, they are reporting XXXX loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Tuesday, XXXX XXXX, XXXX between the hours of XXXX pm and XXXX pm ( XXXX XXXX I attempted to access my account at the following XXXX XXXX XXXX portal : XXXX : //verified.capitalone.com/sic-ui/ # /esignin? Product=Card. 

I entered my login information correctly and was taken to a page asking me to verify my Phone Numbers, Email, Employment Status and Income Information ( All of which are available from the credit agencies ). At this time, I did not wish to disclose any further information. Usually there is a button to pass by these surveys if you do n't want to answer the questions. However, on this occasion there was and still is not an option. In fact, the past few months I have been asked repeatedly by this company to disclose this information and I feel it is harassment. 

Because I can not get past this page without answering these questions, I am unable to log into my account. This has XXXX my ability to double check certain charges showing on my monthly statement that could be fraudulent. I was attempting to access my account to check for more information, so that I could report to them, if it was needed. Now I am left with no way of verifying the information. I am also not able to make my payment or file a complaint via the website. 

After not being able to access my account, I called XXXX at XXXX pm ( XXXX XXXX. The agent who answered my call, said that she could not help me gain access to my account ; leaving me only the option of answering the survey form. 

I have been an outstanding customer for this company. I pay my entire balance every month on-time and have done so for many years. Apparently, Capital One is not satisfied with my only using a fraction of my credit limit for any one month, making on-time payments and having an excellent credit score. Maybe this an attempt to get me to miss a payment, so they can earn interest and penalty fees. I do n't know, but it sure seems fishy. 

**This and many other reasons are why I have been writing my Congressman and The White House to ask for more restrictions on credit lenders. I urge everyone who reads this to do the  same and to spread the word among family members & friends. It is up to us to hold our government and the companies doing business in the U.S. accountable. I urge you to take initiative and get involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have disputed the accuracy in reporting a closed account reported XXXX XXXX XXXX agency on two occasions. There is an account with Macys account # XXXX that is closed and shows last payment on XXXX XXXX XXXX. Transunion says the account will stay on the report until XXXX XXXX which would be over 10 years from first delinquency. According to the FCRA the reporting period is determined from date of first delinquency as relates to negative information reported. I have confirmed with Transunion that accounts that negatively affect my credit report are reported for 7 years from the date of first delinquency. I requested Transunion delete this information and only got a response that the account was verified which does not resolve the purpose of my dispute. 
I am concerned as negative credit has huge consequences and it seems that Transunion does not even take the time to seriously investigate legitimate consumer concerns.

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 2017-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Hello Two deposits were made via cash to my account. XXXX for XXXX and another for XXXX. The company XXXX Wells Fargo XXXX held the {$5100.00} stating that another person " accidentally '' or " was scared into '' making the XXXX. The bank believed their story although we have proof that they received XXXX worth of cryptocurrency in return. The bank THEN held the unrelated {$4000.00} from a separate transaction stating that they were holding it just in case another " victim '' ( as they say ) was to come forward, yet we had the transaction documented for this amount. This was from another customer that deposited {$4000.00}. The XXXX deposit was made Friday XXXX XXXX, XXXX, and the XXXX deposited was made Saturday XXXX XXXX. This is XXXX total that we have not been able to access and has crippled our company and business relationships. We contacted Wells Fargo immediately and were given no answer for two weeks. It was at that point when they told us that they were going to hold the money. We went to the bank and still were given no answer. We continued to call thereafter approx 15 times and still have not received a call back. They would just keep saying XXXX XXXX XXXXXXXX '' is the only person who could even speak on the case. XXXX has yet to call us with updates and I have left numerous messages. I did not record the dates and times of the messages. I contacted and aid a lawyer to advocate for me but I still have no answer, and they still have my XXXX. I do not know what else 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 2017-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
Dear CFPB, I have an investment mortgage with Shellpoint Mortgage Servicing. This loan originated in XXXX. 
I inquired into having the XXXX removed approx. a year and a half ago and did not continue the process due to the value not meeting the 70 % XXXX requirement. 
As property values have been on the rise, I decided to try again and called Shellpoint in order to find out the process of having my primary mortgage insurance ( XXXX XXXX cancelled. 
I requested to be mailed a letter on XXXX XXXX, XXXX. They emailed me a letter that had been issued over a year prior XXXX XXXX XXXX XXXX and said to use it as a guide to have your XXXX canceled. 
I called them back and requested to be mailed an updated letter of XXXXI cancellation instruction reflecting my current mailing address and current payoff amount. 
I called on XXXX XXXX XXXX and requested a new letter again be mailed to me as I never did receive the first one. They said they would issue a letter and mail it to me. 
I called on XXXX XXXX inquiring as to where the letter was because I never did receive one. 
I was told that they can not mail me a letter because I am unable to cancel my mortgage insurance ; This is what the representative told me : Per XXXX this loan is for a single family detached investment ( it 's actually a townhouse, not detached ). 
The borrower ( myself ) is not able to request cancellation of XXXX it is not permitted. 
And that when the mortgage is " midway '', XXXX XXXX XXXX, only then will the mortgage insurance be cancelled. 
I asked if I can just pay down the mortgage to 70 % loan to value ( XXXX XXXX in order to have it removed and was told that is not possible. 

Would you please review this matter on my behalf and possibly on behalf of other homeowners as well? 

Much XXXX, XXXX 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 2017-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I originally borrowed {$51000.00} in XXXX and have been making payments since. In XXXX Navient capitalized {$24000.00}, which is 48 % of the borrowed amount and I have n't received a reason why such a high percentage was capitalized. Through XXXX/XXXX/XXXX there was {$24000.00} of capitalized interest and the {$24000.00} + the {$51000.00} = {$75000.00} so I 'm not sure why there was a consolidation payment of {$91000.00}. My new balance is not more than doubled of what I originally borrowed and there have been payments throughout. I believe the capitalized interest total is wrong, the consolidation payment total is wrong and my current balance is wrong. I have been trying to get a breakout or a walkthrough that shows all debits and credits and I have n't been able to get that from Navient. 

I 'm being billed more than twice what I owe and I do n't want to default of hurt my credit but I do n't know what else to do if I ca n't get a corrected balance. I also never approved the consolidation in XXXX I was looking to see if it would be beneficial for me to do so and the loan was consolidated without my approval. I need to get resolution to all of these matters before this situation gets out of hand and the amount owed doubles again. It seems like Navient wants me to pay upwards of $ XXXX when it is all said and done on a loan that was originally $ XXXX I do n't see how this is even legal. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Michael Wayne Investment
State: VA

Complaint narrative:
I had a loan with XXXX XXXX Investment XXXX XXXX XXXX XXXX in XXXX however was unable to continue to fulfill making the payments and returned the vehicle which I was advised by the salesman during purchase that would be perfectly fine. I was then garnished for the first time in XXXX however never received any notification from VA XXXX XXXX XXXX as I reside in XXXX, VA. I never received any information about the debt or even that the vehicle was auctioned which is standard process. I did not know what happened as I never received any information or phone contact. This is illegal as I should have been given the opportunity to go to court when this was a warrant in debt. I believe this company purposely did not send me any information so I would not come to court and unable to argue the debt. I feel forced into this accepting the garnishment or debt because I was not given the right to a court date. I have advised the company I am unable to afford this debt as a single mother and I also feel they are personally attacking me as they continue to begin the garnishment process during my birthday month of XXXX and prior to the holidays. I paid {$350.00} per paycheck in this garnishment as I was garnished twice last year and the amount showed I owed $ XXXX in XXXX now it is {$14000.00} in XXXX after paying payments in the garnishment. The company is very corrupted and what they are doing to people is illegal. It should be illegal to charge anyone these amounts of interest. I believe I paid this car off as the car was worth {$3000.00} yet on the lot for {$10000.00} however I paid a year worth of payments at {$380.00} paid into a garnishment last year and they have begun another garnishment. I am at the point of losing everything because of this company and I do not understand how this is even legal. They broke fdcpa laws and many other regulations yet they are allowed to continue to do this to people.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have a serious problem and I have tried to get the attention of the data furnisher and have had no success, which is why I am now coming to TransUnion. 

I have attached a screenshot of the tradeline that needs to be removed from my credit report because it is over 7 years old. I went Bankrupt XX/XX/2005 and this item should not be on here. I also went through a divorce and do not hold ownership in this property that this loan is attached to. This is harming me in many ways and I am trying to refinance my current home so that I may get a new roof before winter hits in full force here in Michigan. 

I 'm respectfully requesting that TransUnion remove this out of date information from my credit report. It also belongs to my Ex-Husband and not me. 

This is causing me a lot of stress and I am also a XXXX XXXX XXXX XXXX here in Michigan. 

I AM ALSO REQUESTING NO PHONE CALLS, PLEASE COMMUNICATE BY MAIL ONLY.

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

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 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX is reporting all my loans as past due. They refuse to correct it. My loans were in deferment for years. I consolidated the loans with another company in which I pay now. I have 4 loans, they are reporting 6 loans and all past due which is not correct. I have never been late on my loans. It has ruined my credit.

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