vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I started the process of a short sale with PNC bank to avoid foreclosure. Being the co-borrower is deceased, I no longer can afford the mortgage. I started the process in XX/XX/2019 and submitted all required documents. As of the XX/XX/2019 the bank informed me and my attorney that they had the file and were missing a few documents which we submitted. 

After five business days of reviewing my file my attorney was informed by the bank that I had exhausted all my loss mitigation options. This makes no sense. We are trying to short sale the property to avoid a foreclosure and help save property values in the neighborhood. PNC is forcing me into foreclosure. 
I owe about $ 46k and we have a market value offer for $ XXXX which the bank is reviewing. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 45 and 46 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I signed up for Citi Bank 's XXXX XXXX XXXX   back in XXXX of XXXX. I was told over the phone that if I never submit a claim, I could receive a refund when I cancel my enrollment. I canceled my enrollment in XXXX of XXXX. I had paid in a total of {$1200.00} to the program and never submitted a claim. I requested a refund 4 times and rejected 4 times. The last person I talked with was part of the Executive Response Unit. She told me I was not entitled to a refund because there's nothing in the terms & conditions that state the fees are refundable. I asked her if there was anything stating that the fees were non-refundable. She told me no. She still wouldn't grant me a refund. 

Attached is the last rejection letter the company sent stating their reasoning for refusal of refund.

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 2019-05-02 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT REPORT AND I WOULD LIKE FOR YOU TO CONDUCT A RE-INVESTIGATION INTO THOSE DEROGATORY MARKS.

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 2019-05-02 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: IN

Complaint narrative:
Around XX/XX/XXXX I opened a dispute with all three credit reporting agencies : XXXX, Equifax and XXXX  about the creditor XXXX and the inaccurate information being reported about me as a consumer. XXXX  was the only bureau to respond around or on XX/XX/XXXX to remove all false and inaccurate accounts with XXXX  from my reported files. Equifax was also successful in deleting some of the accounts with XXXX, however one remains and I would like this account removed immediately. It is important to me that what is reported is reflected accurately across the files of each of these bureaus. I have since sent in all the required information to address this last account with Equifax and they continue to fail to remove this account. I have also sent in the required documentation to XXXX but all my letters go ignored. I wish for these last two bureaus to take accountability for their error. XXXX  has removed the accounts so it is only natural Equifax and XXXX  remove all the accounts with the creditor XXXX and XXXX XXXX as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Upon reviewing my credit report to prepare to purchase and speaking with my lender it was found that Kia Motors Finance has inacurately reported a late payment in XX/XX/2018 upon my credit. Contacted Kia to inform them of the discrepancy and the representative as well as the manger i spoke to advised it was nothing that could be done unless i disputed it. I advised to them verbally that I dispute the inaccuracy. They both refused to take my dispute and said that it had to be in writing or just do it through the credit bureaus. I know this to be inaccurate, I know that per the FDCPA I as a consumer am able to verbally dispute matters and it must be accepted and noted as being disputed. Again after explaining this to both the rep and the manager they still both refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Midwest Recovery Systems has attempted to collect numerous debts over the years for accounts that were paid prior to being sold for collections. Each time, I have disputed the debt with the credit reporting agencies and requested debt validation from Midwest Recovery. Recently, they sold off my accounts to XXXX XXXX, who is also attempting to collect the same debt. Meanwhile, Midwest Recovery has listed a collection account with the credit reporting agencies ... again. 

I sent a letter to Midwest Recovery via Certified Mail to the address they have registered with the credit reporting agencies, but it is no longer valid. There is no longer any way for me to contact Midwest Recovery since they have failed to update their current address. See attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: TN

Complaint narrative:
This account is paid off but is being reporting in the status area and comments area that it's charged off. I have spoken to 3 individuals at XXXX XXXX and faxed over letters and screen shots showing what is being reported to the credit agencies. Neither Equifax or XXXX XXXX will fix this problem. This has been on going for close to a month and half between both organizations. Each placing the blame on one another.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: VA

Complaint narrative:
Ability Recovery Services ( ARS ) placed a derogatory item on my XXXX  and XXXX  credit file in XX/XX/2018. I sent a letter to ARS to validate the debt and they provided a print out from XXXX University that looks doctored. I also followed up twice requesting the same validation and they have not responded. 

I have attached all of the correspondence and proof of delivery for each request. 

This derogatory item must be removed because ARS has not followed FCRA or FDCPA guidelines to validate the debt. In addition, my credit report for XXXX  has not been updated with " Consumer Disputes This Account Information ''. Also, they have not responded to my previous requests in the time allowed. 

Please help me get this negative item off of my XXXX and XXXX credit file due to the ARS violation of FCRA and FDCPA guidelines. 

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 2019-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
ace cash express are contacting my family and telling them I committed bank fraud and will be throwing me in jail. XXXX, the manager in the office told me they will serve me papers today if I dont pay in full. When asked about my rights, she hung up on me. They are contacting family in other states, that I dont even know and telling them this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 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: VA

Complaint narrative:
Equfax doesn't verify my information. Even I sent them a proof but they sent me a template letter. This account is not mine. They have to DELETE it XXXX XXXX XXXX- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Dear Midland I haved told you that i never had account with XXXX XXXX I asked you to please send a credit application with My sign signature attached pending me to this Debt you failed to have done so in your previous Responds.I also asked you again if you are unable to validate this Debt I will no longer talk to you about it If you have applied this unveriffable debt to any of the 3 major reporting agencies I asked that you have them removed them ASAP AGAIN PLEASE CEASE AMD DESIST AND LEAVE ME ALONE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I live in XXXX, Florida and we were hit by hurricane Irma on XX/XX/XXXX. I had to make a costly evacuation to northern Florida to evade the storm. I suffered significant damage to my property and was unable to work for a month due to the aftermath of the storm. 

I received an email from my lender, Ditech Financial LLC which I still have, stating that they would be offering assistance to those affected by this storm. Specifically, as well as other kinds of assistance, they offered repayment plans and forbearances for up to 6 months. 

I immediately contacted them and provided all the paper work they required. They verbally said I was approved for a forbearance and would provide the necessary documents to conclude it. 

By this time I had not paid my mortgage for 4 months ( XXXX, XXXX, XXXX and XXXX ) for a total for slightly over {$10000.00}. I began to pay my mortgage in XX/XX/XXXX when I was told to do so. 

I was led to believe that this would be a forbearance but to my dismay it turned out to be a subordinate mortgage funded by FHA. I only realized this when I went to refinance my existing mortgage with Ditech, and they turned me down because of poor performance on my loan. The problem is that Ditech reported my mortgage payments late to FHA which was inaccurate. 

I can no longer get an FHA loan due to their deception and inaccurate reporting. My credit report shows no delinquent or missed payments to this lender which makes this more frustrating.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My daughter XXXX XXXX XXXX used my social security number and an old driver 's license to purchase a home without my knowledge with XXXX XXXX in XX/XX/XXXX. I was made aware of this in XXXX when she defaulted and the bank informed me I was responsible. I have contacted the bank and made them aware I have been a resident of Texas since XXXX of XXXX and did not make this mortgage. Wells Fargo purchased the loan company and asked for copies of my signature and original copies of the documentation I had concerning this mortgage. I have never been in the presence of XXXX XXXX, to sign for the first deed. Wells Fargo has since determined it was my signature when it is not because I was not in the state of California. They have also kept all documentation concerning this matter at the request of my daughter. Wells Fargo has refused to remove my name from this account and a letter dated XX/XX/XXXX was mailed to my residence in XXXX Texas. It is escrow documents in the name of XXXX XXXX XXXX and XXXX XXXX that have my signature and has been notarized by XXXX XXXX ( # XXXX ) stating I signed these documents on XX/XX/XXXX. I was never in the presence of XXXX XXXX. I was not in the state of California to sign any of these documents and I know nothing about the purchase of this home nor the mortgage attached. The bank and my daughter have defrauded the state of California and continue to do so even after I have asked them to stop. 

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 2019-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: KY

Complaint narrative:
I requested a Public Loan Forgiveness payment recount from FedLoan Servicing on XX/XX/XXXX. I have called multiple times including today to check on the progress and have been repeatedly told that it is still in review. When I called on XX/XX/XXXX, the customer service representative emailed the PSLF department requesting that my payment recount be expedited.

Currently, I have 3 loans remaining. FedLoan Servicing has 2 loans ( Loan 1 and Loan 2 ) showing the payment count as 76 Qualifying Payments made with 44 Qualifying Payments remaining with estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. FedLoan Servicing shows that the other loan ( Loan 4 ) has a payment count of 83 Qualifying Payments made with 37 Qualifying Payments remaining with an estimated eligibility for Public Loan Forgiveness on XX/XX/XXXX. By my calculations, I should have already made 83 Qualifying Payments on Loan 1 and 88 Qualifying Payments on Loans 2 and 4. I just paid Loan 3 completely off on XX/XX/XXXX. I would appreciate any help in getting my payment counts corrected. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Paramount Recovery has repeatedly placed collections accounts on my credit report. The first time around, I sent them a request for debt validation. They did not respond ; however, they deleted the inaccurate accounts from my credit report ( and proceeded to sell them to another collector. ) They now have an account listed for {$1600.00} for me from XXXX XXXX XXXX. I sent a request for debt validation to them via certified mail. They received it, however, they have not complied. Furthermore, another collection agency ( XXXX XXXX ) is attempting to collect the same debt. They also can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
A customer service agent from the original creditor XXXX XXXX reached out to me by email and phone on Tuesday around XXXX. At first when I was talking to her, I was very hesitant about giving her my info without her verifying what info she actually had on this account. Mind you this conversation was recorded. When I finally asked the lady if I give her my social security or the last four will she verify that it is my social security and if not take this off my credit report. She did not agree to removing it off my credit report which I did not understand but I do know that it is fraud to not remove an account that can be proven not to be mines off of my account. However, I gave her the number and she did research and said no that is NOT the social security number that we have on file. would that not be enough to remove that from my credit file? She asked me to send my documents in to here ; however, I do not feel comfortable sending my documents to a company I am not affiliated with. I have decided that I will stand my ground. The case number I was supplied on this case is XXXX. If this was under my social security number I would have filed a fraud dispute ; however, since they have confirmed to me that it is not my social after all these years I beg you to quit letting them falsely keep this on my account and dampen my good credit history by coming after the wrong person. PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, and again on XX/XX/XXXX, I requested validation from this debt collector. All I have been receiving is bills, but nothing with some type of contractual proof that this debt is mine or that they have the legal right to attempt collection from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: IN

Complaint narrative:
I received an unsolicited mailing from NETSPEND in XX/XX/XXXX offering me access to a prepaid debit card. The mailings have continued one per month going forward into XX/XX/XXXX. Each envelope is addressed to a different individual. All have been mailed to my home address. I contacted NETSPEND customer service in XX/XX/XXXXasking the mailings to be stopped. The representative could offer no assistance so I asked to be connected to a supervisor. I was put on hold for one hour and then my call was disconnected. I never spoke to he supervisor. I did not attempt to reach out to NETSPEND again. Please advise as to how I can stop these fraudulent mailings from continuing. I would like to stress that I have never requested any offer from NETSPEND.

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 2019-05-02 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: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am writing to dispute the response from the creditor Ocwen Loan Servicing, LLC. 

First of, this is a joint account that is being reported as an individual account- and this is my issue, Ocwen continued to report delinquencies on my account even after I attempted so many times to obtain information on the account to bring it to good standing. Their reason was I was not privileged to that information because the CO BORROWER on the account was in a BK yet they continued to individually report derogatory information on my credit. 

Additionally, even when I blindly made the payments, they always had the past due amounts inaccurate. For example : in their recent response they reported i was 3 months behind for the last 4 months of XXXX, XXXX, XXXX and XXXX of XXXX ; In XXXX of XXXX i did make 3 payments as reported to bring the account current but they still reported that we were 3 months behind in the month of XX/XX/XXXX, i would get inconsistent information and no help to clarify the outstanding balances provided from Ocwen. When I contacted Ocwen on XX/XX/XXXX regarding their recent response their agent told me it is because I was still 3 months behind yet that is not what they reported in the previous months. Many a time the statements mailed out did not reflect the correct outstanding balances and it was hard to confirm the correct amount because of lack of correct information or willingness to provide me with the account information. 

I do not agree with such business practices that is why am reaching out. I tried reaching Ocwen Research department fax # XXXX and I did not get any response from them. 

I appreciate your attention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 
XXXX XXXX. XXXX XXXX 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 non-monetary relief