vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-14 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: CORELOGIC INC
State: TX

Complaint narrative:
XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXXXXX/XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXXA computer glitch that was XXXX problem - not mine - caused my inquiries (most were fraudulent and unauthorized) to be deleted. Which they did not remove after I told them they were fraud. I just had paid off my car so why would I purchase another one?XXXX later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted XXXX in good faith to ask them to delete the inquiries that they had illegally re-added. I explained that these inquiries add a hardship and that my rights were violated by XXXX. I’m asking CFPB to help my make XXXX stop victimizing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
On XXXX XXXX we received a letter stating that we have n't provided proof of home insurance for our reverse mortgage to XXXX XXXX and that they had bought insurance for us for {$2600.00}. Since our insurance company, XXXX XXXX, had always provided this information to XXXX for years, I had paid no attention before. I immediately went to XXXX XXXX and they provided the necessary proof to the XXXX insurance division. On the XXXX of XXXX, I received a letter from the XXXX insurance division cancelling their insurance and crediting our account. 

A couple weeks later we had a visit from a debt collector from XXXX. Then, a home appraiser wanted to come to our house. Then the foreclosure threats started to arrive.

I have contacted the XXXX customer service department many times including the following : XXXX XXXX ( do n't have record of date ) XXXX XXXX on XXXX XXXX on XXXX ( he even wrote up an email to his manager while I was on the phone I have contacted their insurance department a couple of times and they have assured me that our account has been cleared, but the customer service department says otherwise. I even had a 3 way conversation between the insurance division and XXXX in the customer service department on XXXX. XXXX said their was another letter in our favor in the mail, but it turned out to be another foreclosure threat. 

Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: TX

Complaint narrative:
In XXXX I disputed an XXXX XXXX XXXX on my credit report. The credit item was then deleted from my report after communication with the creditor and with Experian. Several months later the account was re-inserted on my credit report without notification. It is my understanding that the bureaus have a responsibility to notify consumer if deleted information is re-inserted on my report. I never received such notification. 

In addition to Experian 's negligence, I the creditor never reported the item as disputed even I had previously disputed the account with them. I have an idea what happened that may have caused the mixup. XXXX XXXX XXXX was no longer reporting on my credit until my husband began to dispute the item on his report. This is when XXXX XXXX and Experian decided the account should be added back to my report. And they added it illegally. 

The partial account number associated with this account is 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 2017-12-14 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: Cadillac Accounts Receivable Management
State: MI

Complaint narrative:
XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX XXXX mi XXXX false address XXXX not live there 20 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: Convergent Resources, Inc.
State: MI

Complaint narrative:
XXXX XXXX  made this account under  XXXX XXXX credit report shows on here fraud account XXXX  never sign for this false address  XXXX XXXX XXXX XXXX  XXXX mi XXXX false address XXXX not live there 20 years now.

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 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In XX/XX/2016 I filed bankruptcy, signed a reaffirmation agreement as required by law with Nationstar, They charged a {$250.00} legal fee, without discussing said fee with representation nor is this located anywhere in the reaffirmation agreement or loan paperwork. I filed a formal complaint with what is now Mr. Cooper, # XXXX. 

Lenders should not be allowed to cover their own legal costs, especially when the consumer could have made the mortgage part of the bankruptcy but chose not to, by passing illegal fees on to the consumer. I never agreed in any way to said fees not did my attorney. 

I appreciate your help in this matter and I am sure this company, whose reputation is already so bad they had to change names, has done this to many consumers illegally because they could n't interpret a mortgage agreement out of a wet paper bag. 

Appreciate your time, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Hi, I opened an account with XXXX and tried to link my account as payment method the reply was Capital One bank is blocking me from linking my Capital One account to my XXXX account. 
I called custumer service to fix this, but the representative they cant help me with that. 
so i am filing this complaint because it is my right to have access to my account to external applications. 
XXXX XXXX disgruntled XXXX bank client

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: IL

Complaint narrative:
I am a 100 % XXXX veteran and my VA mortgage is currently with Freedom Mortgage loan number XXXX. A few months ago Freedom re-calculated my monthly escrow amount and increased it and I was not aware. I continued to send in the same amount. They have returned cashier 's checks because the amount was not the full amount and have not processed checks they have received but have held on to. Thus my XXXX and probably XXXX mortgage payment are going to report late. They did receive the funds which covered the principal and interest payments and should have accepted the payment and allowed me to send in the shortage amount of the escrow amount due. There have been headaches since Freedom took over the mortgage in XXXX. 

My credit is now being ruined because of these late payments being recorded

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 2017-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: GMFS, LLC
State: LA

Complaint narrative:
GMFS does not have sufficient staff working in their loss mitigation department. Each time I call, I am told that they are having abnormally high call volume and always have to wait over half an hour to speak with anyone in the loss mitigation department. This is endlessly frustrating and a massive burden for GMFS borrowers. They should either hire more employees in the department or stop servicing more loans than they can handle.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency Experian, XXXX and XXXX several times.

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 2017-12-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I contacted XXXX XXXX XXXX  regarding a account that they had in collections in the amount of {$790.00}. I spoke with a representative that stated that I had to send her boss an email stating a " Cease and Desist '' on the current complaint which I sent to XXXXXXXXXXXX. The representative stated that this would have to be done before I could pay to have the account settled, closed paid in full for the amount of {$400.00}. XXXX XXXX also promised/assured me that after I gave them my routing number and bank account number to process payment I would be sent a letter via email stating that the account was paid in full /settled I then provided my routing number and account number to my bank to process the payment. After waiting for most of the day I did not receive anything. I contacted XXXX XXXX but no response. XXXX XXXX, XXXX I contacted XXXX XXXX XXXX regarding the same issue as I had not received the letter. I spoke to another representative who then spoke to her supervisor XXXX XXXX who e-mailed me rite away with a letter stating that if I did not pay the balance by XXXX XXXX, XXXX the payment agreement would be null and void. 
I have paid the full amount of the payment agreement, but on all 3 of my credit reports it is being reported with a balance of {$390.00}. There should not be a balance at all nor should it be being reported as open account. This account should be reported with a {$0.00} balance, settled, paid in full, closed on all 3 credit reports from XXXX, Transunion, 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 2017-12-14 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: NJ

Complaint narrative:
I have been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score.  Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.

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 2017-12-14 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: NJ

Complaint narrative:
I have been disputing erroneous items on my credit report with this credit bureau and they have not done a good job with investigating these errors. Also, Ive been working with a credit repair agency ( for over 6months ) to repair my credit. I have been following all the recommendations and the credit bureau has been decreasing my credit score. Ive tried to file complaints ( XXXX ) with the credit bureau about my concerns and no one has helped. This credit bureau is hurting my chances for applying for loans to help with debt consolidation so I can provide for my children. I am crying out for help with this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANCORP
State: PR

Complaint narrative:
During the XXXX storm I was told that I did not have to make 3 months worth of mortgage payment to alleviate with the conditions faced in Puerto Rico and that these 23 months will be added to the end of the Mortgage life. Upon month 4 I received information noting that I was required to make the 3 month mortgage pmt and the current month mortgage payment or I will be faced with potential foreclosure. I am a senior who lost everything and live on a fix income. I felt mislead by the Bank by the offer made to me with misleading information. I have tried to come to an agreement with the bank and was not able to resolve my issue. XXXX XXXX in XXXX Puerto Rico.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 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: TX

Complaint narrative:
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.

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 2017-12-14 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: TX

Complaint narrative:
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account ( s ) as valid debts when they are in fact out of statue and they are past the 10 year reporting time as allowed under the Fair Credit Reporting Act for closed positive accounts. The reporting of these accounts are suppressing my debt to income ratio and preventing me from obtaining a montage.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Previous complaint XXXX the response from the credit agency states the investigation will result in contacting a Vendor to verify the alleged negative item in my credit report. 

Verification from a vendor is not the actual source, which is the Court. The courts do not verify information so verification from a Vendor is not accurate reporting, it 's Hearsay. Please remove the alleged negative item from my credit report according to FCRA.

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 2017-12-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently the copy of my credit report sent to me by your company and found that you are reporting the below account incorrectly. Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information on all reports they hold in their possession. When I tried disputing via mail, I received a letter from your company that my written dispute was suspicious/frivolous. The FCRA also states that I have the right to dispute information that is not accurate, a right your company is denying me by claiming my letters of dispute are frivolous or suspicious. 
I have been disputing the below accounts for over a year. And within this time your company has been unable to provide me with the necessary information to prove that the below accounts belong to me. All your company ever do is open investigation after investigation with no end result. Finally in XXXX of 2017 the below accounts were removed as they were found to not be mine. 
I have since learned that your company has improperly re-inserted the below accounts on my report. According to FCRA rules, your company can not re-insert derogatory information on a credit report without first notifying me in writing, which it failed to do. The Fair Credit Reporting Act, 15 U.S.C. 1681 ( i ) ( ( ii ), states : Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion of, if authorized by the consumer for that purpose, by any other means available to the agency. 
Your company has never notified me in writing of this re-insertion within 5 days, therefore, pursuant to the Fair Credit Reporting Act, this alleged account needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, XXXX and TransUnion several times.

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 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Public Record Chapter XXXX does not belong to me. I have disputed this with all 3 credit reporting agency XXXX, Equifax and XXXX several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am having trouble requesting a second official letter from Equifax regarding a XXXX security breach. XXXX XXXX, I received a letter from Equifax stating that I have been impacted by a security breach. It stated that information including my name, social, date of birth and address may have been compromised. It also suggested me to sign up for their credit monitoring service ( XXXX XXXX XXXX ). During a move in XXXX, the letter was misplaced. XXXX XXXX, XXXX I called Equifax security breach customer service ( XXXX ) to request another written letter. They informed me that I must call customer solutions ( XXXX ). After speaking with Customer solutions I was referred to XXXX XXXX XXXX ( XXXX ). I requested a copy of my breach notice, the customer service rep suggested that I was customer of XXXX XXXX XXXX and recieved the letter from them. I informed that them I was not a XXXX XXXX XXXX customer, and the letter came from Equifax via mail. They informed that the letter did in fact come from " Equifax XXXX XXXX '' but I can not receive a second letter. They told me the only thing I can do is go to the equifaxsecuritybreach2017 website put my information in ( last name and last six digits of social ) and sign up for their XXXX XXXX  XXXX credit monitoring service. I was given no explanation on why a second letter could not be generated and sent by mail. Equifax has showed not only poor judgement and incompetence on security but also poor judgement and incompetence in finding solutions, resources, and quality customer service.

Company response to consumer: Closed with explanation