vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-02 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: LA

Complaint narrative:
While reviewing my credit report, I saw multiple unauthorized credit inquiries displaying that I have no recognition or knowledge of. I made numerous means of contact via writing and by phone to all companies requesting to them to investigate the unauthorized inquiries and for them to contact the 3 Credit Bureaus to have them permanently delete/remove these inaccuracies from my credit report. I was informed over the phone that they have no way of getting those unauthorized inquiries deleted and for me to make direct contact to the credit bureaus to start the disputing process. Many of these companies, initially gave an issue with verifying any of my information because they wouldnt accept the given information found on my credit report, they wanted my full/ last four digits of my Social Security Number which I refused to provide due to my rights under the FCRA laws. I contacted TransUnion several times by via phone and mail requesting for these unauthorized inquires to be removed from my credit report because either them or any of these companies listed were unable to provide me with any signed statements or contracts to indicate the origin of this collection debt/inquiry, to resolve this matter, since I have never had any dealings at any of these companies at the date of these unauthorized inquiries. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a consumers credit report without a " permissible purpose, '' so performing a " hard inquiry '' on my credit file ( s ) without my permission is a willful violation of the law. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Also, I will like to have a new copy of my credit report to reflect these changes/ removal of the unauthorized inquiries. Here are the unauthorized inquiries that needs to be removed/deleted from my credit report : XXXX XXXX XXXX via XXXX XXXX- Requested On : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX- Requested On : XX/XX/XXXX XXXX - Requested On : XX/XX/XXXX XXXX- Requested On : XX/XX/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 non-monetary relief
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I previously had a collections account successfully removed from my report due to it being a fraudulent account. Without any notice this same account was put back on to my credit with a different collector name. The only reason I was aware that this account was resubmitted onto my report is because I check it regularly via XXXX XXXX. I disputed the account but did n't have any luck with it being removed.

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 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: NC

Complaint narrative:
I disputed this over the past several year even before the transferred it over to collections and still not taking it off my credit report someone stole all my information and open numerous amount of accounts in my name over the phone and internet I explained this to them

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: OR

Complaint narrative:
Southwest Credit Systems keeps calling me with numerous XXXX-area code phone numbers ( my phone number also starts with XXXX-area code ), every day, multiple times a day, for weeks on end now. ( Today is XXXX/XXXX/2017. ) Each time, it 's a new number, so blocking the phone number of the day provides little-to-no reprieve.
When I 've asked why they are calling, they say " personal business, '' and refuse to give me more details until I have verified all my personal information for them.
Every time I refuse to verify my information, because I have no written notice of debt from any business entity as of present. Upon review of my bills, as well as my XXXX credit report, I have no outstanding debts. As such, Southwest Credit Systems has no reason to be calling me. I called one of the XXXX numbers back today and asked them to stop calling me, and they refused. An exceptionally rude customer service member said, " you 'll have business with us at some point. '' Since the conversation crossed the threshold of reason, I hung up.
Submitting a complaint here seems like the next logical step. Please let me know if I can help with additional information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Massive frustration after many months to get a bad account off my credit, I can not buy a home until this happens. Wells Fargo Cash on Demand # XXXX XXXX XXXX XXXX is from XXXX, my ex-wife opened this for a school loan when we were married, at the divorce and clearly stated on the final divorce decree, this debt will remain with my ex-wife, she agreed it was hers, this was XX/XX/XXXX, and Wells Fargo seems to think as the secondary on the note they could come back to me if she quits making payments, I guess after it went to collections a few years ago, my ex agreed to a payment plan to settle the debt, looks like that will take years, Wells Fargo admitted to me that she has been making on-time payments for a few years. My attorney has told me that even if she defaults again, Wells Fargo can not make me responsible whereas the court has taken that from me thankfully.I have spoken with Wells Fargo numerous times and have finally worked my way up to management, XXXX XXXX, I hope I have her name right in the Executive Office, she just sends me to other departments and I have not yet found anyone willing to help, this is a horrible injustice to me, to keep me from buying a home for a account I have no power or ability to resolve, and the blatant disregard to at least try to help is criminal, they are no longer returning my calls, I have remained kind and patient. Please Please Please help me with this, really do not know where to turn, with all the negative press and news coming out of Wells Fargo I am not sure why they can remain in business, one of the folks in collections told me Wells Fargo has gotten way too big and there is no way they can service all they have out, just as a note my ex wife applied for this credit using my name and SS # without my permission, their so-called fraud dept was no help at all, please let me know what more you need from me, I am desperate and homeless, no rentals here in Utah and its killing me, Thank you, 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 2017-08-02 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: TX

Complaint narrative:
Have made numerous attempts to resolve the issue of unauthorized inquiries reporting on my credit report. I have previously made a complaint via certified mail and with the BBB. Transunion refuses to resolve this issue and continuously give me the same response after I repeatedly tell them that the creditors are referring me back to Transunion to get these unauthorized inquiries removed since the creditors do n't show me ever applying for credit as I do n't have any open accounts with them. As a consumer, this is very frustrating because Transunion is giving me the run around and I have already been able to resolve this issue with XXXX and 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 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION
State: NE

Complaint narrative:
The debt collection agency, Central Financial Control is attempting to collect on a medical debt in the amount of {$560.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUSTMARK CORPORATION
State: TX

Complaint narrative:
I did an owner finance with XXXX and XXXX XXXX I was told by Trustmark National Bank to only pay them my mortgage as XXXX XXXX are not to be paid any longer. The XXXX 's and Trustmark are refusing to provide an audit of my payments and payoff of the mortgage. I have provided the contact information of both below. I estimate my payoff to be XXXX EMAIL for XXXX XXXX  XXXX XXXX Cell : XXXX  XXXX XXXX Vice President Trustmark National Bank XXXX XXXX XXXX XXXX, Texas XXXX P : XXXX F : XXXX E : XXXX NMLS # 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 2017-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF FINANCIAL CORPORATION
State: MI

Complaint narrative:
Hello my name is XXXX XXXX - I am the POS for my dads property at XXXX XXXX XXXX XXXX, XXXX XXXX. MI, XXXX ( POA is attached ) I have sold the home and I have a XXXX dated from XXXX stating that the debt was released is attached, and the taxes on this are being paid via the proper filing on taxes with tax accountant who completed them to the federal government and the state of Michigan. The original loan was with XXXX XXXX XXXX which was acquired by XXXX XXXX they were bought by Chemical Bank. XXXX discharged the debt before Chemical Bank took then over and now has all of a sudden ( Chemical Bank ) now has tried recording their interest in the property ( until XX/XX/XXXX ) and there was nothing about the equity loan filed with county ( attached ). Chemical bank now is saying its a collection and we owe {$48000.00} when we have the paperwork attached from XXXX XXXX stating that the cancellation of debt dated back in XX/XX/XXXX and again attached is the XXXX cancellation of debt.
Regards, XXXX XXXX XXXX Email : XXXX I have also secured a Tax Attorney as representation to resolve this matter : 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 2017-08-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: GREAT LAKES
State: TX

Complaint narrative:
We are requesting that the company drop the amount show on the balance. We will take further actions. Which involve sending it over lawyers. It is not my right account number or address on this Great Lakes Bill. We are asking for this balance to be closed account.
We Will also turn you in report violations on the company. If any more letters show up.
Take care, Best Regards 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 2017-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: J&L Collection Services
State: CA

Complaint narrative:
I have sent J & S collections 3 certified letters in regards to the fraudulent account they have placed on my credit and i have not got a response but they have responded to the credit bureaus alleging the account belong to me. I was not notified by them about the debt so i was never afforded the opportunity to dispute it. I DO N'T KNOW WHO THE ORIGINAL CREDITOR IS.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Note : My name is XXXX XXXX XXXX not XXXX XXXX that was used to open these two fraud accounts When I became aware if these two fraud credit cards I contacted XXXX XXXX XXXX and was referred to LVNV Funding LLC, I contacted LVNV Funding LLC Twice disputing these fraud accounts, I requested that LVNV Funding LLC supply me with copies of the applications that were submitted for the credit cards listed above to verify these two accounts, along with a copy of the sales contract from XXXX XXXX XXXX and LVNV Funding LLC, LVNV Funding LLC can not produce the applications for credit in my name XXXX XXXX XXXX nor can they supply a copy of the contract between XXXX XXXX XXXX and LVNV Funding LLC to verify that both accounts are valid and that they own the two fraud credit card accounts. As of this date XX/XX/2017 LVNV Funding LLC is still reporting False and incorrect information pertaining to both fraud credit card accounts to all of the credit reporting agencies. Fraud/Identity Theft report has been made to my local police department # XXXX and also made to the Federal Trade Commission FTC report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
I am contacting the CFPB as I have tried dealing with my mortgage servicing company, Roundpoint Mortgage Servicing for over a month now to get the permanent modification agreement issued. I had completed the three trial payments X/X/17, X/X/17 & X/X/17. I was told by Roundpoint that there are ECB violations reporting on the title report that must be cleared before the permanent modification is issued. After I went to the ECB ( Environmental Control Board ) and obtained proof there is no and had never been any ECB violations on this property and I faxed the proof to Roundpoint. I was then told that the ECB lien is coming up on a different property but the same name as mine so this needs to be satisfied. I submitted proof this is not my property and never has been. They are insisting this must be satisfied anyways. I called the ECB again and they advised that this situation should not be. All New York title reports pull ECB violations which come up with the same name but if the property is not the subject premises, it is not my responsibility if I do not own the property which I do not and have proved I do not own. I have taken off two days of work to obtain the nonsense documents Roundpoint is requiring to be in the same place where they are requiring this to be satisfied. I understand Roundpoint is not located in New York so they may not be aware of how the ECB violations work but they are refusing to confirm this. I even called three New York title companies and also verified I would not be responsible to satisfy

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 2017-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). We are happy to provide any requested additional documents to complete this client 's loan modification review. It is improper, however, for you to deny this application based on a determination that the application is incomplete. The lender is stating the application submitted for the review is not correct according to FHA required form - I have attached the application, which is the same as what is being requested for this review and has already been provided.

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 2017-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CMRE Financial Services, Inc.
State: NE

Complaint narrative:
The debt collection agency, CMRE Financial Control is attempting to collect on a medical debt in the amount of {$330.00}. This agency is not Licensed to collect in the state of Nebraska per the Secretary of State and has made several attempts to contact me after i have asked them to please stop. This company is also in violation of my HIPPA rights ; as I did not authorize them to obtain any of my medical records. I have tried to rectify this with the company directly, but have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This is a follow up complaint to Claim Number XXXX. I received a letter from Wells Fargo indicating I was contacted by phone On XXXX XXXX,2008 and  verified information as a co-signor on a Private Student Loan. I have asked for more details on the telephone conversation since I do not recall having such a conversation NINE YEARS later.

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 2017-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX, my business account was fraudulently hacked into and funds were set to disperse from the account via ACH payments. Within 15 minutes of being notified by a Chase 'alert ', I contacted Chase and was informed that it was already too late to stop it. Apparently, someone hacked the account, changed account numbers and routing numbers and started sending out payments via direct deposits until the account was drained. I was told a document was going to be emailed to me within a couple of hours to authenticate the fraudulent activity, but never received it. I went to the local Chase branch the very next morning to sign the document and begin the process of reparations to my business account.I was told by no less than four ( 4 ) different Chase representatives that the funds that were removed fraudulently from my account would be returned within 24-48 hours. Many frustrated conversations and escalations ensued to different Chase managers and after nine ( 9 ) days of leaving my business account with a XXXX balance, they finally admitted that they had no idea when any funds would be returned - not even a temporary credit, while everything was still being investigated. My XXXX was established in XX/XX/XXXX and has 15 employees, with operational funding requirements on a daily basis. I honestly felt like I was living in a 3rd world country with no one to turn to for help. On day ten ( 10 ), a temporary credit was issued to my account and I was advised that if they determined the funds were sent intentionally, the credit would be reversed. Incidentally, I have had this same account open with Chase for over ten ( 10 ) years and I was treated like I was the criminal, while they did little or nothing to offset the lack of funds in my business account.

Company response to consumer: Closed with monetary relief