vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: FISHER FINANCIAL GROUP, INCORPORATED
State: CA

Complaint narrative:
I am at the final stages of closing my refinance only to be told that repairs are now a condition of my loan. I was told by the underwriter/XXXX XXXX on XXXX/XXXX/XXXX via email that repairs are a condition of closing my refinance. When I asked my Loan Officer/XXXX XXXX on XXXX/XXXX/XXXX via telephone, she reported that this was covered in her " intro letter '' to me at the start of the refi process. The only item in the " intro letter '' that could relate is a bullet point that states " We can not lend on homes that have safety issues. '' In the beginning stages of the application process, XXXX XXXX XXXX asked me to complete a " Property Pre-appraisal Questionnaire '' which asks potential safety issues ( empty pool, broken windows, exposed wiring ). This form does not indicate dry rot as a potential safety issue. When asking XXXX to clarify what specific repairs are needed, I was told to reference my appraisal report only to discover that the appraisal that I was given had been revised. The revision was to change it from an " As is '' appraisal to a conditional appraisal. I was not notified of the change in my appraisal nor given a copy of this change in a timely manner. I am still unclear as to what repairs are needed to close as the appraiser is not a general contractor, did not closely inspect the needed areas indicated and only wrote " dryrott on the exterior wood siding at rear of house on laundry addition and eaves around base of roofline around the rear of the house. '' I am frustrated with XXXX XXXX XXXX due to this last minute communication and their failure to notify me of changes to my appraisal.

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 non-monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals,  provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my transunion as follows National credit systems- I havent lived in XXXX Arizona , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( Louisiana ) I have contacted this creditor no response I disputed with credit bureaus 3 separate Times to validate these debts which they found and deleted and some home this account is on my credit again for the 4th time with a different age date. No contract

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I got the attached document in the mail. I work in the financial industry and I am 99 % sure this is an attempt to get my wife 's personal information. I wanted to share this with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: OH

Complaint narrative:
Transunion sent me an email on XXXX XXXX, XXXX notifying me of Changes to my credit report. I still see two names that do not belong to me or have been used by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I received a statement from Wells Fargo informing me that " Your WELLS FARGO XXXXXXXX XXXX account with XXXX XXXX XXXX XXXX XXXX has been sold to XXXX XXXX XXXX XXXX... '' It speaks of amendments to my credit card agreement, but I never applied for this credit card or any credit card from Wells Fargo.

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 2017-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ATG Credit, LLC
State: GA

Complaint narrative:
I attended XXXX a few years ago and being that I was not born in the country-but I am a US citizen now-I was asked if I submitted selective service? I did and I was mailed a confirmation letter. I physically walked into the school and handed paperwork to someone at front desk. The persons took the letter sent to counselor and then a few days later I was admitted to the college and they asked me to apply for financial aid. FAFSA. I was told I had to apply and accept loans for an entire year-although each semester was only about 4 weeks or so. I attended school for about a year 1/2 and About a year later while registering for class I received a notice asking me to contact a counselor regarding financial aid-I was then told I could n't apply for financial aid because of selective service-I was told I would have to start paying them directly for college and I could n't get Federal loans anymore and they were sorry-because of selective service.. I still did n't understand-I had attended for 1 ( XXXX XXXX year. I eventually pulled my credit report and saw an {$18000.00} debt from a company and when called they told me XXXX said I owed and that they paid my student loan debts off ( and they wanted me to pay them ( XXXX XXXX {$18000.00}. I have never received a single sheet of paper explaining this, NOTHING, but when I dispute-they send an electronic notice back to credit bureau saying debt is verified. YET I have nothing, know nothing-no one can explain anything-nothing in writing from XXXX-or the collection company ( ATG ). Credit is being ruined and no one can explain anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 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: WV

Complaint narrative:
I have contacted Transunion multiple times to file a dispute for multiple fraudulent inquiries on my credit report. I spoke to a supervisor in the special handling department who advised me to file a report because the inquiries keep coming back as verified. I did not authorize these inquiries nor do I have any knowledge of them. I filed a dispute with Transunion on XXXX for the following inquiries : XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, SXXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. All of these inquiries are considered fraudulent. I have filed a report with the federal trade commission to report myself as a victim of identity theft, I will attach that report as well. These amount of inquiries are holding me back from moving forward with my credit. I have already attempted contacting all of the creditors. XXXX XXXX took down my information and gave me several reference numbers and XXXX just informed me to contact Transunion. They all say theres nothing they can do, they state Transunion is the one who can make the deletion. Please remove these fraudulent inquiries off of my credit 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 2017-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I worked very hard to get my private loans paid off and my federal loans consolidated with XXXX XXXX, and to keep myself in income based repayment. As soon as Navient took over, they continue to put me in forbearance and/or deferment even though I qualify for both income based and public service forgiveness. Because they have not held the interest during forbearance, by interest now comprises half of my total debt to them. I have made many good faith efforts to fix this, all to no avail, and have resorted to hiring a law firm. Navient should pay my legal/document preparation fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is my XXXX complaint against Chase with regard to a repayment plan dated XXXX/XXXX/XXXX the first complaint case number was XXXX. The main point of that complaint was that the agreement stated that at completion of the repayment plan my payment going forward would be {$330.00}. However Chase started sending me notices that I was behind in my payment and were furnishing negative information to the consumer credit agencies. As the attached response from Chase to the complaint states they agreed with me that the payments would be {$330.00} and would contact the credit bureaus to amend the reporting. However now for some reason I am getting multiple phone calls and letters again about being past due on the account, threatening foreclosure, and again falsely reporting negative information to the bureaus. All of this is having a very negative impact on me both emotionally and financially. I received a letter from the Chase XXXX XXXX dated XXXX/XXXX/XXXX that basically states that they feel it was a misunderstanding that the original agreement made mention that my ongoing payments would be {$330.00} this is ridiculous and very unprofessional. They gave some erroneous explanation about interest rate changes that affected the payment but again no correspondence before ever addressed this potential change and I have attached XXXX recent letters from showing the received payments that contradicts what this is saying ( also attached are correspondence from from Chase giving contradictory amounts of supposed past due amounts ). It seems every time a payment is received it triggers a harassing call and additional letters, this is very frustrating and I want it to stop. I have completed the repayment completely as agreed and have never been late on the agreed to ongoing payment of {$330.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
In short, I disputed credit report from TransUnion and they sent email saying report was updated. However, the link for "VIEW" the completed report does NOT exist or is NOT anywhere on the alleged page stating report is complete. The email sent states that I have 30 days from when TransUnion notifies me but I never saw the first notification and today's notification FAILED to provide me with access to view the alleged report. I am furious with TransUnion, XXXX (who released my personal information in a data hack, and has clearly harmed me), and the other credit reporting agency who have NO accountability to keep the credit information accurate and clearly by my troubles today with TransUnion cannot be bothered by mere "customers" asking to see their credit reports as required by law. TransUnion website has all sorts of "services" available, apparently some for fees, but there is NO link to customer service even after password protected login.

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 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COLLECTIONS USA, INC.
State: LA

Complaint narrative:
I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me XXXX Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. 
Acts 1986, No. 1031, 1. 

civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! 
The following accounts listed on my credit reports as follows XXXXXXXX XXXX provide me with a lease.. never lived in XXXX and company that us collections is trying to collect debt for is no longer in business.. Ive contacted this company no response. They cant provide a lease this is not me. 3 year remedy here in Louisiana where I have lived for 5 years. No contract

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I have a 3rd party person to talk for me. When she try 's to do so the mortgage co. tells her that they have to down load the paper work she has sent them. They told her that they are still doing work from XXXX/XXXX/XXXX she sent the paper work on XXXX/XXXX/XXXX. The last time she spoke to them they said they had the paper work but ca n't talk to her till it is down loaded my sale date is XXXX/XXXX/XXXX by the time they get it down loaded there will not be much time to try to stop the sale of my home. I do n't understand why down loading paper work should take so long with the technology of today it should take a few days and not weeks to get it done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. Account no.XXXX. Repossessed XXXX/XXXX/XXXX. Credit reports not posting XXXX XXXX payments, city of XXXX just mailed to taxes due from XXXX XXXX this XXXX XXXX first received XXXX. city of XXXX hired XXXX XXXX. I am XXXX since XXXX, on fixed income and not able to work. For a year now I had to get rides to medical appointments and missed some.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX I called Chase card services XXXX about some fraud charges seen on my account online, the amount was for {$130.00} and {$2.00} total of {$140.00} which was charged to my account on XX/XX/XXXX Account # ending in XXXX spoke to XXXX, then XXXX, was told to call fraud services # XXXX Forget who I spoke to, but give them the facts on my fraud charges on above amount, they said they would look into matter and give me confirmation on report, I was put back to talk to customer service on my account, I spoke to XXXX asked what would be my payoff as of today XX/XX/XXXX so I could pay off the balance and close my account ending in XXXX, she said the balance was {$480.00} and minus the fraud charges of {$140.00} I would pay {$340.00} which I did on that day and closed out my account on that card ending in XXXX, confirmation payment # XXXX I did not hear back from fraud report so I called XXXX on XX/XX/XXXX and spoke to XXXX, and he assured me that the fraud charges had been taken care of. OK. In XX/XX/XXXX. I received a bill in mail from Chase on my old account, since I closed out old account and paid off balance, they created a new account # ending in XXXX charging me for the exact amount of fraud charges of {$140.00} and added {$11.00} in interest charges which total {$150.00} So I call again on XX/XX/XXXX recovery dept. XXXX spoke to several people, did not get anywhere with no one, they said I was not charged for fraud charges, but I am getting billed for them!!! do the math!! I had to call back on XX/XX/XXXX spoke to XXXX, and XXXX and some supervisor lady, could not get it through their heads that the exact amount I was being billed for is the exact amount of fraud charges!!! I was told I had to pay the balance of {$150.00} was so XXXX of talking with them getting nowhere, that I paid the balance that day of {$150.00} from my checking account ending in # XXXX to avoid anymore interest charges and told them I would be filing a complaint!, I do not have any way of scanning all my documents for you to review, but could mail if needed, so please let me know, would like this to be resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Former or Current Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number : XXXX is not on my credit report and is my current employee for last 2 years.

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