vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Capital Markets Cooporative, LLC
State: NC

Complaint narrative:
At this point, I have filed a claim with my Owner 's Title Insurance Police at XXXX XXXX, I have paid for a reinstatement quote to the servicer XXXX and I have complained to XXXX 's department of errors and omissions, as well as filing a complaint with the NC Commissioner of Banks about the original documents from this loan. 

The bottom line of this is : The Deed of Trust is not valid. It's missing dates, seals and signatures and the attorney for the trustee has filed several notices after the fact indicating they are registering a Corrective Notary Affidavit, and an additional satisfaction of the loan. However, they keep sending the home loan, not registered with XXXX, through the courts for foreclosure proceedings non-judicially. 

I can not refinance the home, sell the home or otherwise do anything with the title trail they have made. They ( the trustee ) are insistent they are correct that they have the right to sell the home and that all of the banks and lawyers and insurance folks are incorrect that my deed of trust is invalid. Aside from just paying a retainer to a lawyer, how do I find out who is correct that the deed of trust is valid according to XXXX XXXX 's loan requirements and state and federal law or not? 

On the last page, my signature is not present. The notary also forgot to date the acknowledgement or verification. My signature is undated and unsealed elsewhere in the document but not on the same page as the notary among other errors. What government agency can look at this and tell me what to do other than what I have done above to clear this up because the expense of getting a lawyer involved is something I am willing to do but I just reinstated this loan that had a balance of XXXX with a payment of XXXX. I still owe XXXX on the loan according to paperwork that could be correct. It's been lingering in foreclosure for years because of paperwork errors but I would like to know who can assist me with determining if there was a problem. Thanks in advance. 

I will gladly share the documents, address, etc and my information upon contact. I'm not even sure who my specific complaint is with whether it's the originating bank, one of the three servicing companies that were involved, the first successive lender or the current lender or the trustee?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I sent in my disputes to all three credit bureaus on XX/XX/XXXX. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XX/XX/XXXX letting  them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of 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 2019-06-10 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: EQUIFAX, INC.
State: WA

Complaint narrative:
I sent in my disputes to all three credit bureaus on XX/XX/16. They did not send anything in the mail to me about my disputes. I sent out some more for the same disputes on XXXX letting them know it has been longer than 30 days and they have to delete my disputes thats on my credit report. 

**This complaint is for my first set of disputes that they have yet to respond to. Please let the credit bureaus know this. I have sent out a second round of dispute but that does not allow them to extend the investigation. That is a violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed several letters to Experian and XXXX regarding incorrect information on my credit report, they haven't been able to provide me with supporting evidences that support their reports, I have been sending letters since XX/XX/2017 and nothing is resolve yet, I advise them via mail that if those issues were not resolve in the matter of time of 30 days I was going to contact CFPB and XXXX to see if they can finally resolve the incorrect information 's on my credit report, this has been bad to me because I'm not able to get credit or finishing buying my home due to their mistakes.

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 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I was notified that a credit inquiry was made to Transunion on XX/XX/XXXX by XXXX from XXXX XXXX XXXX XXXX, XXXX, GA XXXX, telephone # XXXX ( I tried to call was told that it was not a working number ). I've talked to both Transunion and XXXX who advised I contact 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 2019-06-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical  verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX   XXXX ; XXXX XXXX  XXXX XXXX ; XXXXXXXX XXXX   XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oliver Adjustment Co.
State: WI

Complaint narrative:
Dos of this XXXX  appointment was from 2015 and has been previously attempted to be placed on my credit. This bill was paid by Medicaid I was not working at the time of service. Medicaid patients can not be charged with the balance of a medical bill its illegal at least in WI it is. This should be removed from my credit report immediately. I attempted to contact the collectors and they refused to remove it.

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 2019-06-10 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: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Davis and Goldmark, Inc.
State: CA

Complaint narrative:
They contacted my family members multiple times, and my employees telling them I was in debt and that they were gon na sue me. They call very early in the morning. My family has asked to be taken off their list and they receive phone calls daily.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I had a bank account with TCF Bank, On Wednesday XX/XX/2019 for someone. The check was XXXX dollars, XXXX was confirmed so that got taken out of my account the same day. Prior to that day I was able to use my bank card, once the other XXXX got deposited on my card my account was being shown as negative but I had XXXX on my card before XXXX got deposited. Somehow somebody got into my mobile account and tried to do 2 mobile deposits on my account. Then when I went to the bank to see what was going on they said I had to fill out something for fraud, I never got to fill anything out. The second time I went to the bank the teller told me nothing got requested nor filled out. So she did it for me. Now I can't open a bank account until I get cleared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX**** account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
My account was frozen without any reason and I was conducting business in good faith. Money are frozen and can't be lifted within next 180 days. My account was frozen without any reason and I was conducting business in good faith. PayPal didn't nor state the reason why they did it, nor they even allow me to appeal the case. 
Reference : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
XXXX XXXX in XXXX mi pulled my credit 3 times without my consent. This is not the first time that they did that to me. The finance officer requested my information to get the loan processed. I asked specificity to use my information one time only with Toyota financial and not to use it again. I received instantly three massages from XXXX that my credit was ran three times. 
Never again I will give XXXX XXXX the permission to pull my credit or do any types of business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
I called XXXX to make a payment on a bill I owed. They informed me they sent the account to collections. I asked for the collector and the informed me Cain and Werner. After speaking the collector on XXXX XXXX, XXXX setup an arrangement to pay them monthly {$51.00}. I also made a payment on that same day. Then, on XX/XX/XXXX I was notified that I have a new collection account. That is illegal they didnt provide me with 30 days to respond to the debt before putting it on my credit report. They didnt know whether the debit was valid or not but they decided to add it anyways. I wasnt notified at all. Did receive any letter, phone calls, emails or anything. If they were sending letters, it probably went my old address XXXX. XXXX XXXX XXXX, La, but I have been gone from that address for over an year. If you read the complaints on this company theyre always doing illegal XXXX. Ive been hung up on 10 times and the service it XXXX!! Ps** Ive attached a screen shot from my bank. The transaction happened on the XXXX but posted to my account on the XXXX. I work at bank and transactions takes two to three day to hard post.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed several letters to XXXX and Equifax regarding incorrect information on my credit report, they haven't been able to provide me with supporting evidences that support their reports, I have been sending letters since XX/XX/2017 and nothing is resolve yet, I advise them via mail that if those issues were not resolve in the matter of time of 30 days I was going to contact CFPB and XXXX to see if they can finally resolve the incorrect information 's on my credit report, this has been bad to me because I'm not able to get credit or finishing buying my home due to their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
My name is XXXX XXXX, I enrolled in XXXX University online in XXXX I borrowed {$7500.00} to continue my education. After the first semester I withdrew from the course and decided it would be cheaper to take classes on campus. I only used {$5000.00} of the {$7500.00}. The original lender was XXXX. I paid approximate {$3800.00} to this lender the debt was sold to Sallie Mae around XXXX where I paid approximately {$1600.00}. Sallie Mae then turned the debt over to NAVIENT where I paid over {$4000.00} dollars to this debt. I have repeatedly tried to contact XXXX, Sallie Mae and NAVIENT concerning my payments. The payments were auto drafted from my bank account. Over the course of several years i tried contacting these companies. I never received a reply from any e-mails and nor was any of my phone calls returned. In XXXX I was able to contact some one from XXXX concerning my account and was told that they would have look in the archive for my account since the debt was sold to Sallie Mae. I was told that it would take a couple days but someone would contact me. I was requesting a statement from XXXX as to the amount of the original loan and the balance when it was sold. I was never contacted concerning this matter nor was able to contact anyone else from XXXX, Sallie Mae never replied to any of my requests neither did NAVIENT. In XXXX of XXXX I received an e-mail stating that my account was paid in full. I estimate that I paid {$9400.00} on a {$5000.00} debt. To pay the debt off quicker, I increased payments to {$150.00} each month which was automatically withdrawn from my account to pay it off early, My payment was changed to {$57.00} each month by the lender. It took me over 11 years to pay this off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

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 2019-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I had an account go into collections for Capital one Bank USA, NA. The Amount due was {$1000.00} and the account was settled out XX/XX/2019. The Company that holds the debt XXXX XXXX said they sent over the settlement info to capital one a while ago and that i needed to contact them. Capital keeps sending me back to XXXX XXXX for information. I just need this account to be settled ASAP ... THKS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
With Pay Pal I never opened the line and have asked them to close it. They keep saying I must call them. When you call there is over a 20min wait. I have asked them to call me and the will not. I have emailed them a few times and they will just not close it. 

XXXX XXXX. 
PayPal Credit Customer Care- is the person who has been no help

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 2019-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Cavalry Portfolio Services its being reporting a debt I dont own! To the three credit report agencies XXXX, XXXX and XXXX  When asked for contract proof with my signature every time I received nothing just came back verified but not proof that in fact the debt is mine am been disputing this collection since XX/XX/2019 and every time I dispute it the dont send me any proof and keep reporting to the credit bureaus I want the outcome of this to be deleted from all three mayor credit bureaus above as what this company is been doing is affecting my credit that am trying or in the process to buy a house!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Chase is attempting to foreclose on our family property with a fraudulent assignment, while in the process of trying modify the loan ; which is considered to be dual tracking.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 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: TX

Complaint narrative:
Please reverse the late payments reported on the following accounts : XXXX XXXX XXXX account was never past due, i never made a late payment to this company ever please change this, i have a good relationship with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX in XXXX mi pulled my credit 3 times without my consent. This is not the first time that they did that to me. The finance officer requested my information to get the loan processed. I asked specificity to use my information one time only with XXXX XXXX and not to use it again. I received instantly three massages from experian that my credit was ran three times. 
Never again I will give XXXX  XXXX the permission to pull my credit or do any types of business with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation