vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I am filing this complaint on behalf of a consumer who was a victim of a foreclosure rescue scam. The consumer is a native Spanish speaker and the following narrative is drawn from multiple sessions the consumer had in  Spanish with a Spanish-speaking housing counselor.      On  XXXX   XXXX ,  XXXX , the consumer filed a complaint with the Maryland  State Attorney General 's Office.      The consumer, who lives in Maryland, first sought assistance from the  Director of a company called  XXXX , to s ubmit a loan modification request  to M & T Bank, the  lender that originated the consumer 's home loan. By  XXXX   XXXX , almost  XXXX  months later after the consumer first met with  XXXX  staff,  XXXX   XXXX  from  XXXX  called the consumer to tell him that he needed to begin depositing a total of {$1600.00} in cash bi-weekly into his bank account. This was in addition to amount he stated was his monthly income and tax returns from the previous year.    XXXX   XXXX   director  of  XXXX  stated that the consumer needed to make those deposits in cash specifically every  XXXX  weeks. In order to qualify for the modification. When the consumer first met with  XXXX  staff, he asked specifically if he could qualify with a current income of {$16000.00}, and  XXXX   staff resp onded by stating I am the expert on this matter and I know exactly what I am doing, and you just do what I tell you to do.     The consumer was given a direct order to make a cash deposit of a specific amount in order for his modification to be approved and the consumer followed it. The consumer expressed feelings desperation to get an affordable modification, so he complied given that they ( the com  pany ) were the experts in this subject matter.
As a result, the consumer was denied a modification from M & T bank because his income was too high. This was something that also raised a red flag for his ( loan modification ) case because when he tried to    reapply again with the right information, the bank did not believe the consumer.   When the first modification application was denied,  XXXX   XXXX  advised the consumer to file bankruptcy in order to stop the foreclosure and she referred him to an attorney named  XXXX , who reportedly refused to his my case because he saw the inconsistency in income and the possibility of fraud.     This consumer has tried a third time to resubmit a modification, explaining the true nature of his case t o M & T bank, and  has been denied.

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 2017-04-28 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: MA

Complaint narrative:
With regard to complaint  XXXX , Transunion reported that they have taken the accounts in question off my credit report. However, I just got a monitoring alert from  XXXX   XXXX , and not only is at least  one  of the accounts in question still showing up, but it has possibly caused my FICO score to drop significantly.

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 2017-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Oracle Financial Group LLC.
State: CA

Complaint narrative:
I took out an advanced payday loan in the amount of {$500.00} while struggling through college in "  XXXX   XXXX  ''. At the time I was working part time in between classes and was soon getting ready to graduate in  XXXX   XXXX . I anticipated paying the loan back a fter two  weeks, however, I was not able to fulfill that obligation. Graduating meant that I needed to focus on my grades to assure completion, so I left my job and lived on bare minimum funds. Thus not being able to pay the loan back immediately or agree to payment arrangements.     Fast forward to  XXXX   XXXX  -- This debt has gone way over my head!! I 've had so many things going on in life that I totally missed this and by the time I tried to reach out to the original company, they had already sold it! I receive a phone call from my mother-in-law stating that someone left her a voicemail detailing this debt and warned her that they would take legal action if I did n't respond. They stated that they needed to get documents to me right away but have not been able to get in contact with me.     I reached out to them to get more information, ( I have not idea what this is about at this point. I do n't even live in the state and it 's been well over a year, all my debts are paid! ) about this debt and find that it is the pay day loan that was taken out over a year and a half ago. I am currently unemployed, so I tried to reason with her on a date that I could call back to pay it off ( giving me time to accumulate the money ). The representative was very argumentative and aggressive in her approach. She told me that my compromise was " unacceptable ''. She repeatedly told me that they would file a case against me in court. I continued to tell her that I do not have a job. I DO NOT HAVE A JOB!!! What am I to do besides try now to make an arrangement? This conversation ended with her hanging up or accidentally ending the call. * I want to insert that this is my first time speaking with this company. I do n't even know if they are legit. * I understand that we all have jobs and rules that we have to follow, but were is the humanity? If a brother or sister owes me money, I will not continue to hound them or make them feel pressured/threatened in that moment if they can not pay me right then/lost their job. This is what drives people into doing things that we all regret after it 's done. This is how people lose their way. This is a huge stressor and I am writing this to let them know that they WILL NOT break me! I was able to work with another creditor who was more than willing to set up a payment arrangements with me and I am done with my payments to 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 non-monetary relief
Consumer complaint received 2017-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There was a glitch in the system. These inquires were added back to my report.

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 2017-04-28 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: NC

Complaint narrative:
There was a glitch in the system. These inquires were added back to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: TN

Complaint narrative:
I 'm filing a complaint because I have sent Diversified Consulta nts two  certified letters so they can validate a debt they claim I owe. The first letter was sent out on  XXXX   XXXX  which they received on  XXXX   XXXX ,   XXXX   at  XXXX . I never got a response. On  XXXX   XXXX ,   XXXX  , I sent another certified letter which they also received on  XXXX   XXXX ,   XXXX    XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-28 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: OH

Complaint narrative:
I graduated from  XXXX  school in  XXXX   XXXX . I should 've had 6 months from  XXXX , which would 've been  XXXX   XXXX , before repayment on my student loans was expected. Before the 6 months,  XXXX , tried to collect on the loans. I called to get an income driven deferment. The gentleman I spoke to around  XXXX   XXXX  on the phone did the application. I qualified for an income deferment. I asked for a year deferment, which according to the Department of Education when I spoke to them, I should 've been given. The man from  XXXX  who did my application refused to give me a year, he would only give me 6 months even though I asked multiple times for a year. He also gave me false information regarding the deferment process and said that I could only defer my loans once which is a lie. I was forced into taking a 6 month deferment. Which when speaking with  XXXX  on  XXXX   XXXX  of  XXXX , he gave me an income deferment, he gave me a 6 month forbearance. 6 months from the time my loans were " deferred '' would 've been until  XXXX .  XXXX  would 've been able to start collecting on my loans in  XXXX   XXXX  which is when I called in next. When I called in next I was told that my loans were in default, some were 30 days past due and some were 80 days past due. I said, " if I deferred all of my loans they would 've been deferred at the same time which would mean that they 'd have the same dates due. ''  XXXX  could n't explain how there was a difference in my " past due '' time frames. They would n't help me get my deferment issue figured out, and I was hung up on.  XXXX  has given me false information, forced me into deferments that I did n't want, calculated interest when none should 've been calculated, and have tried to collect on my student loans when legally they had no grounds to. To add, navient has not only done the above but has reported me delinquent to credit agencies destroying my credit when they have given me false information and tried to collect when they should n't have and legally were n't able to do so. They have also called my phone when I specifically gave them information NOT to call and gave very specific terms on how to get ahold of me via text.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On   XXXX     I made a purches for the amount of {$100.00} to  XXXX . My online account balance reflected that same amount being charged and withdrawn from my account that day as well as the balance after the charge. On   XXXX   my account balance shows {$140.00}, I was charged {$100.00} again by the bank on  X/XX/17    for the purches I made on   XXXX   with no reflection on my account statement of the transaction being made on that   XXXX    . I have the reciept from  XXXX  that shows the transaction did go through on  X/XX/17    but the bank has no record of it being made or has lost the record of the purches on that date. I called the bank and they said there was no purches made on the reciept date and, my account is now overdrawn because of this error.

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 2017-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Blakely-Witt and Associates, Inc.
State: TX

Complaint narrative:
ON  XXXX   XXXX ,  2017 . A collection was placed on my   XXXX   credit report b y Blake Witt and Associated for the amount of {$1800.00}. I was never notified that 's it was in collections nor so I even know the collector. By law I am supposed to be not ified that 's something will enter my credit report. I was not. I attempted to call and have written a  Debt Validation to t he collector. This has caused a hardship with my finances and credit as I am in the process of buying a home. Please remove the collection immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: NC

Complaint narrative:
I pulled my   XXXX   And  XXXX  credit report in  XXXX   XXXX  and noticed   XXXX   XXXX   and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with   XXXX   stating this is not my account and with  XXXX  3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called  XXXX  credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because   XXXX   is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with   XXXX   as well that this is not my account. This last dispute on  XXXX   XXXX , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (  XXXX  or  XXXX  ) will not provide proof and I have did all I can do.     I also advised   XXXX   the following Inquiries are fraudulent /not authorized by me :  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  I advised   XXXX   the following iquirie s are fraudulent/not auth orized by me :   XXXX   XXXX   XXXX   XXXX   XXXX  via  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  &  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX / XXXX / XXXX  I need this to be corrected and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: NC

Complaint narrative:
I pulled my  XXXX  And Experian credit report in   XXXX   XXXX   and noticed   XXXX   XXXX  k and  XXXX   XXXX  showing as credit cards belonging to me and that had charged off. I submitted investigations 3 times with  XXXX  stating this is not my account and with Experian 3 times stating the same, not my account. I have faxed and mailed copies of my id and ss card each time. Each time it comes back verified. I called   XXXX    credit card company and was told 4 times with the latest being today that they could not find an account with my name on it or the account number. I spoke with  XXXX  she states not sure how to stop it from reporting as they have no knowledge of it. She said they didnt have a fraud department she could only take my number and have someone call me back. I spoke to  XXXX  at   XXXX   today she states she cant remove it because Applied is confirming it. She states no proof received only " confirmed ''. I want his removed from my credit as it DOES NOT BELONG TO ME. She states nothing she can do.       XXXX   XXXX  - I have called several times and I cant reach anyone as my ssn or the account number on the credit report " doesnt match their files '' so the automated system hangs up due to no match found. I have disputed 3 times with Experian as well that this is not my account. This last dispute on   XXXX   XXXX  , it states " updated from my dispute '' but nothing changed! I 've faxed letters asking to provide proof it belongs to me or delete and nothing happens. Just " verified ''. They (   XXXX   or Experian  ) w ill not provide proof and I have did all I can do.     I also advised Experian the following Inquiries are fraudulent /not authorized by me :  XXXX -  XX/XX/XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX  -  XX/XX/XXXX    XXXX   XXXX   XXXX  -  XX/XX/XXXX  &  XX/XX/XXXX   XXXX    XXXX   I advised  XXXX  the following iquiries are  fraudulent/not autho rized by me :   XXXX   XXXX   XXXX   XXXX   via  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX  &  XX/XX/XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX  I need this to be corrected and removed from my credit reports.

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 2017-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have attached the police report of all of the details of what happened. My bank is not willing to help 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 monetary relief
Consumer complaint received 2017-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I  XXXX   XXXX   XXXX  submitted a form to refinance my mortgage to reproduce my current loan of debt, into a more prosperous loan that better fits my needs. I have applied through  ( 3 ) three  different entities to handle this proposition with intent of full care. I submitted all information that was needed to " Refinance " the mortgage loan within  ( 30-90 )  days of the agreement. I had to make many of phone calls to follow up on the application to help further assist the loan agent. Every time I called, the agent announced, " they were processing the loan '' or they kept repeatedly losing all of my credentials or information such as : "  XXXX  's,  XXXX . 's, social security, credit reports and drivers license. These allegations went on a period ; extending, into a year and a half of "  XXXX  for Tat '' conversations and I was consistently told to resubmit all information at least  ( 5 )  tomes because, it was being lost in a shuffle. This actually ; means, that my applications were being singled out on purpose to force a " Foreclosure '' upon my resident at  XXXX   XXXX   XXXX  /  XXXX , Tx  XXXX . I consistently stayed in compliance with all loan agents and submitted, supplied, and followed all procedures at the time of the "  Refinance  ''. Bank of America sent out a refinance packet that allowed me o qualify and make the first (  3 ) three  payments ; in-which, I set up with "   XXXX   XXXX   XXXX   " accounts to transfer the payments safely to " Bank of America '' to stop the foreclosure. At the time the "  President  '' of the United States mandated that, all lending companies negotiate these loans from negative to a prosperity loan so, the government would not go broke and citizens would not have to vacate the premises. These banks have misled me with the wrong information and caused unnecessary fraudulent loans to transpire under the "  Penal Code Act  '' of the "  Federal Housing Authority '' . I 'm asking for retribution in the amount of total cost of my home ; plus, pain and suffering of all expensives, please. I have been sleeping out on the streets for the duration of being inconvenienced and had to file " Chapter (  XXXX  &  XXXX  ) Acts. I also had to implement a {$10000.00} payments to try to save my home. Please contact me at (  XXXX   )   XXXX  or mail to  XXXX   XXXX  /  XXXX , Tx  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 2017-04-28 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: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL

Complaint narrative:
I pulled my credit report and found inquires that i did not authorize on my credit report iv contacted these companies listed below by phone, email and mail and know has reached out to me or further more no one has even sent an updated report advising me they would be removing these unauthorized inquiries.   Paramount Residential Mortgage Group   XXXX   XXXX    XX/XX/2017      XXXX     XXXX   XXXX   XXXX     XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I financed a loan through Santander in the amount of  XXXX . I have made  XXXX  in payments toward my loan, I request a payoff quote and much to my surprise I still owe more on my loan than the amount I financed. i have asked  Santander  to issue credits toward the principle and they refuse to do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28 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: OR

Complaint narrative:
Equifax has added a 90 days  Fraud Alert i n my credit report stating that was requested by consumer.   I HAVE NOT REQUESTED A FRAUD ALERT TO BE ADDED ON MY REPORT.     Please  REMOVE Fraud Alert i mmediately.

Company response to consumer: Closed with explanation