vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-18 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Greentree & Associates
State: NJ

Complaint narrative:
Please help us! Since XX/XX/XXXX we had Green tree which switched to XXXX in XX/XX/XXXX! 
Green tree would collect our temp mod payments and then decline us after two pays and tell us to reapply! We did this three times! 
The first Time was with the HAMD modification and our mortgage was to be XXXX ( paying reg mort at XXXX ) we payed first two pays and then they pulled this out!

Told to red mod and it happened two more times! 
They then switched to XXXX which accelerated our {$270000.00} loan to {$350000.00} for not paying the Green tree modifications help!

Company response to consumer: Untimely response
Consumer complaint received 2019-06-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I constantly get spam calls regarding my student loans. Today, I received a voice message at XXXX XXXX from XXXX-XXXX-XXXX  from XXXX XXXX from Navient. She claims that due to a settlement, my student loans are eligible for forgiveness. ( Navient is not my loan servicer ). For completeness, I called Navient and confirmed that they do not offer loan forgiveness over the phone ( obviously ). I wanted to file this report so vulnerable others are lured into this deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL

Complaint narrative:
I had two separate XXXX gallery Jewelry account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Balance is {$3500.00} and I was offering $ XXXX {$2200.00} to pay off and they refused my offer. Then turned around and lied to CFPB advising they had tried to settle account. This company only want to keep charging interest to try to collect more money and to but me in debit. I simply want this behind me already. All my other debit are settled and cleared. See attchments

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.

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 2019-06-18 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: CA

Complaint narrative:
There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.

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 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
HOME MODIFICATION : NEW PENN Financial New Penn Financial and Shellpoint Mortgage Loan number XXXX -- - I have been battling to save my home since XXXX New Penn is now the owner and Shellpoint services the Mortgage I am  in the SO CALLED MODIFICATION process as I have been four times in the past THE ISSUE is they change the program after I make the Modified payment this time its {$10000.00} for three payments- Shellpoint told me one program and New Penn is telling me another program that is not even close IN ADDITION NEW PENN wants me to SIGN a SIX page no disclosure agreement to tell anyone about the arrangement or ever have a suit with them againI am currently waiting on Appeals court in XXXX Mass . 

I want to know what the REAL MODIFICATION PAYMENTS AND TERMS ARE THEY WILL NOT TELL ME- UNTIL I SIGN THE NO DISCLOSURE AGREEMENT- Foreclousre set for XX/XX/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 2019-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ERC
State: VA

Complaint narrative:
I have been contacted by ERC multiple times sinceXX/XX/2019, each time I haven't anwser the phone and no message have been left. On XX/XX/XXXX, after the third call I looked up the phone number and found out it was ERC, I filed a complaint with the XXXX asking for my number to blisted on their internal DNC list.  on XX/XX/XXXX I recieved a leeter from letter from ERC 's counsel through the XXXX   complaint center stating they would place me on thier DNC list. since then I have been contacted at work on the XXXX and today the XXXX from the same number and voice message left stating why and who their trying to call. the XXXX complaint number is XXXX. ERC has been contacted to not contact me through the phone and have continued to do so after stating they wouldn't. Also, as far as I know I owe no debts so I have no clue why they are calling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.

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 2019-06-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX my daughter in law gained access to me and my husbands account. We never received a phone call from the bank about this access. Since XX/XX/XXXX my daughter in law has been using a invalid power of attorney for my husband who has XXXX by the way. I am his wife and I have durable power of attorney for all of my husbands needs. This was a invasion of our privacy and was a unacceptable deed done by Bank of America. We attempted to get a copy of this invalid POA and was told to get in contact with their legal department. Which was the wrong information. Of course we closed that acct and reopened another and she has gained access again and pulled out funds this time that hasnt been returned yet. How is this possible?

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 2019-06-18 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: STERLING JEWELERS, INC.
State: FL

Complaint narrative:
I had two separate Jared gallery Jewelry account. One has been settled and paid in full due to account balance was incorrect. The second account has been back and forth in XXXX county court. We came to a payment agreement however I lost my job and was unable to make my 1st payment. About a month or so after I contacted the to try to settle the account however they are not willing to negotiate the balance and they wanted to include interest. I have repeatedly called and sent notarized letter requesting to pay off account and the refuse to accept my offer due to the fact they want to include interest. I have been working really hard the last few month to work on my credit & had several thing removed. I am trying to buy a home and this is the only account I am still having trouble with. The Original Balance is {$3500.00} and I was offering $ XXXX {$2200.00} to pay off and they refused my offer. Then turned around and lied to CFPB advising they had tried to settle account. This company only want to keep charging interest to try to collect more money and to but me in debit. I simply want this behind me already. All my other debit are settled and cleared. See attchments

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: TN

Complaint narrative:
I had Experian dispute a duplicate account with XXXX XXXX XXXX 3 times and each time they came back stating the accounts were both validated. I knew this was an duplicate from the beginning and I contacted the company that placed the account in collection myself. They sent me the only bill ( 1 ) I have ever had with them and have no clue of two Bill 's. This tell me Experian do not throughly investigate and solely went on the collection agency word and because the collection agency could not provide me with two bills.

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 2019-06-18 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: CA

Complaint narrative:
NUMEROUS TIMES I HAVE SENT A REQUEST TO EQUIFAX REQUESTING TO REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT. I HAVE SENT THEM MY POLICE REPORT ALONG WITH MY IDENTITY THEFT REPORT. EQUIFAX REFUSES TO REMOVE THE FRAUDULENT ACCOUNTS, BUT THE OTHER BUREAUS HAVE COMPLETED THEIR COMPLETE INVESTIGATION AND THE FRAUDULENT ACCOUNTS WERE DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On XXXX XXXX, I received notification my mortgage service was going to be transferred to Mr . I also received a letter from MR. Cooper stating the service of my Mortgage was transferred from Seterus to Mr. Cooper effective XX/XX/XXXX and the monthly payment due was noted as {$940.00}. 
I typically make my payments a few days before due date and the payment for XXXX was made via auto draft on XX/XX/XXXX. The auto-draft for Seterus has continued since then. 

Not only has Seterus continued to draft the monthly payment, but Mr. Cooper also started a monthly draft for the amount of {$1000.00} for XXXX and XXXX and {$1000.00} for XXXX. This problem has resulted on a catastrophic financial burden on my part for having to make double monthly mortgage payments one to Seterus and another to Mr. Cooper. 

I understand that Mr. Cooper bough Seterus, so I have no way to reach out to Seterus to request they stop drafting a monthly payment. I would like to get help from the CFBP on understanding my rights and the next steps to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Berman & Rabin, P.A.
State: MO

Complaint narrative:
I filed a complaint with the CFPB regarding a judgment on a second mortgage that I have apparently been sued for. The debt is not valid, as I have stated before, I did a cash for keys deal with the first mortgage and I made sure that the deal included the second mortgage. I was told by all parties involved that it the second mortgage has been paid off. That was the last I had heard of it. 

Now, nearly ten years later, I am being garnished for an {$80000.00} judgment ( when the original amount of the second mortgage was only XXXX. I tried to look up the original judgment and I see that the process server didn't serve me. They put down that it was a roommate that took my summons, I have never had a roommate. I also see that several attornies have attempted to garnish me at jobs I have never worked at. So how would I have had the chance to defend myself? 

I went through the CFPB and requested a proper validation of the debt, and the original creditor stated they didn't have me in the system. The law firm that has been assigned sent me a demand letter and judgment that has amounts crossed out. 
THIS IS NOT A PROPER VALIDATION, and no one has provided me any documentation other than the judgment. But they keep taking money out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-06-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XXXX, XXXX, XXXX of XXXX after phone conversations with Capital One and XXXX XXXX they informed me the court dates scheduled in months above to collect debt would be canceled, allowing me more time to resolve the debt. I contacted XXXX District Court who confirmed dates were canceled by creditors, I was not required to appear. However, Capital one ( in XXXX and XX/XX/XXXX XXXX and XXXX XXXX. ( in XX/XX/XXXX ) did appear in court on these dates and received default judgements, since I was not in appearance. judgement for Capital one XX/XX/XXXX {$6100.00}, XX/XX/XXXX {$2400.00}, XXXX XXXX XX/XX/XXXX {$2800.00}, please see attached. I did not have knowledge of the judgements until XXXX, they appeared on my credit reports. I contacted XXXX, XXXX, XXXX XXXX in XXXX to inform them and assumed they were resolved, the judgements disappeared from, annual credit report and the credit monitoring service I pay directly to XXXX, XXXX, XXXX XXXX. These judgments still do not appear on any report I have access to. I applied for a mortgage in XX/XX/XXXX and XXXX, and was shocked and blindsided to learn these judgements .were reported to this lender and on my credit reports the lender obtained from all 3 agencies. They reported the judgements I was led to believe were deleted after I informed them of Capital one and XXXX XXXX 's actions and how they obtained these judgements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There has been a collection debt that was placed on my credit report a couple months ago, i disputed it with the credit agencies and they showed me nothing in return. I reached out to the collector and got into agreeance that if i paid the balance in full that the account would be removed out of my name and credit report. I made the payment on XX/XX/XXXX and i received the receipt with the letter stating our agreement for me to send off to the bureaus to have them remove it as quickly as possible. I just want to make sure i add in the CFPB into the mix of this thing so that the three credit bureaus will do their job and not do anything.

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 2019-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: GA

Complaint narrative:
My Western Union account was compromised and unauthorized wire transfer was made using my husbands debit card for a joint XXXX XXXX Account. I have since filed a police report and am working with Officer XXXX Badge # XXXX in regards to the charge. The information has been forwarded to Western Union at fax # XXXX-XXXX-XXXX-XXXX Attn : XXXX XXXX. I was a victim of identity theft by a 3rd party and should not be held liable. ( MTCN ) is : XXXX

Company response to consumer: Closed with explanation