vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-04 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: Risecredit, LLC
State: CA

Complaint narrative:
I contacted RISE on XX/XX/XXXX by certified mail. I requested verification of the account XXXX. It is being reported incorrectly as included in bankruptcy when I have never been in bankruptcy. 
I received a response XX/XX/XXXX stating " With the information provided on your earlier letter, we have not been able to confirm that we have the correct account identified '' They asked for the following : First and last name with the last 4 digits of my social security number ( which I included ), my entire birth date and the zip code of my home address and complete home number with area code. 
All these items were included which is why I was able to receive their letter! 

I sent another letter XX/XX/XXXX same as the first letter with no response. I also placed a phone call to the following number XXXX on XX/XX/XXXX leaving a message which has not been returned as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/2017 I had an outstanding balance of XXXX On my XXXX XXXX Credit Card. I paid off the full on the card and request that credit card be closed since I already had another XXXX XXXX Credit card. I was in the process of making a purchase about 3 months ago, when it came to my attention that the above mention Credit Card has a one 30 day late on XX/XX/XXXX and two 60 days on XX/XX/XXXX and XX/XX/XXXX. I called the Credit Card several time to try to understand why I was showing any late when I had paid off the account and closed it in XX/XX/2017. No one could not explain the reason why is this reflecting in credit. I called several times to try to get this error clear from my credit report, requested to speak to a supervisor but XXXX XXXX representative leaving me hold for a long time that I had to hang up the phone. 

In regards to First Federal Credit Collection. this is a collection that was paid by my employer because of an injury caused at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
Nationwide recovery system XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX phone number XXXX Put a negative charge on my credit report report rthey said I owed XXXX XXXX XXXX XXXX the sum of {$1300.00} They have an open date of XX/XX/2018.They failed to notify me that they were doing this and didnt give me a chance to dispute this. This same charge was put on my credit report 3 years ago I disputed the charges and was found to be in my favor and was removed from all 3 credit bureaus. It appears that nation Wide Recovery System has purchased this from some other company and put it back on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Credit bureau is in direct violation of GRAMM- LEACH BLILEY ACT, 49 CFR 801.56, FCRA, FDCPA and numerous consumer protection violations.

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 2018-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I received a check from my homeowners insurance for a roof replacement. The check was forwarded to Select Portfolio Servicing , Inc. in XXXX XXXX XXXX, UT for their endorsement. When the check was not returned in a timely manner, I submitted a complaint. The check was received a few days later, however, I received a phone call from SPS stating that the call was an attempt to collect on a debt. I have never been late on my mortgage payment in the 14 years I have owned my home. The caller then stated he was trying to get updated information. I complained to SPS via their ombudsman about the phone call and received a letter ( attached ) that addressed the check, which was handled. As to the communication problem, there was no verification that I was not late on any payment and, further, that I had a payment due XX/XX/XXXX and I should contact the company. Page two ends with the statement that the letter is an attempt to collect on a debt. I feel that SPS is making an attempt to commit fraud and take my house in a foreclosure. Clearly, I am being harassed by them and believe I should begin legal action to protect my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: TX

Complaint narrative:
EQUIFAX, XXXX AND XXXX HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: TX

Complaint narrative:
XXXX, XXXX AND TRANSUNION HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights

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 2018-08-04 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: TX

Complaint narrative:
XXXX, EXPERIAN AND XXXX HAVE inaccurate information on credit report please let them know that my cra and ftc rights have been violated code protection consumer rights

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 2018-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On XX/XX/18, I finally opened a mailing I received from Capital One that said I was pre-approved for a credit card. They even said they reviewed my credit information, so they should have known my credit score and history. I thought this would be a good opportunity to get started on repairing my credit. I applied but I was denied. This hard inquiry and denial has a negative impact on my score and further complicates my journey to good credit. 

Credit card companies using " pre-approval '' scams to lure folks with bad credit to apply for new credit is predatory and should be illegal. How can you be " pre-approved '' but not get the card? Getting denied hurts your chances of ever getting a card anywhere else. 

Capital One scammed me and added to my damaged credit history. These kinds of scams need to be investigated and made illegal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: FL

Complaint narrative:
There is an account listed on my report with Equifax that is not mine. I have fought the account for years but it is now back. I sent through certified mail a letter to the creditor asking that the debt be verified yet again. They signed for the letter but did not provide verification of the debt within thirty days. Both XXXX and XXXX investigated the dispute and removed the account when it could not be verified through their dispute process. Equifax refuses to remove the account after two disputes including copies of the letter and the signed certified mail receipt. I called Equifax yesterday and I was hung up on twice. A supervisor told me in a dispute, they only verify name, social security number, and birth date not the validity of the debt. I told them the company couldn't verify the debt therefore it had to be removed. He told me it was so old or would fall off in two months any way. This tradeline that isn't mine is keeping me from getting a mortgage loan. Equifax refuses to listen and just keeps saying my information was verified. Yes but not that the loan was actually mine. Equifax is horrible and in control of everyone 's lives and they shouldn't be because they are incompetent. This complaint is against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo Home Mortgage. 

Was in arrears with this company on my home. Decided I'd better sell before it was sold. 
Had two offers on house from XX/XX/XXXX and XX/XX/XXXX, and was ready to go to table, however Wells Fargo denied the sales because they said it was not enough money. However, buyers were pre-qualified. Real Estate agents had all figures to substantiate a good sale. 

My real estate agent ( s ) submitted reams of paperwork to assist with a sale, a short-sale, any type of sale to buy time and stay the idea of foreclosure. Wells Fargo did not even attempt to help with the sale, so they could get their money for my mortgage. 

I spent hours working with Wells Fargo people to help do a restructuring, to have NO-ONE return phone calls or emails. 

I spent hours talking with Wells Fargo attorneys in XXXX, PA to give me advice as how to avoid foreclosure, and to go to litigation for assistance on keeping home until I could get it sold. Went so far as the attorneys stopped returning emails and phone calls. SO UNPROFESSIONAL!

I was advised by the attorney secretary to : check on a Deed-in-Lieu, which is something that Wells Fargo has to refer you for. I just double checked with the Deed-in-Lieu department here and this is a request that has to go through Wells Fargo. When I forwarded your prior request they advised for you to call them.

After calling and calling to Wells Fargo, and being told that individuals would be in contact with me, I about gave up hope. 

I lost my house in XXXX. Not a word from any Wells Fargo administrator or their attorney 's that I was going to foreclosure. Just a nice notice on my door one day that my house was up for sheriff sale. Shouldn't I have received some sort of date-stamped document that said my house was going to foreclosure? Because of Wells Fargo underhanded manipulative ways, I lost my home, I lost most of my furniture, and I lost all my family pets. I have been put through turmoil because of their tactics, and KNOW I need some type of compensation for pain, suffering, having to find a new location to live, moving expenses, and the cost of losing everything mentioned above.

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 2018-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
This is an ongoing dispute with a Mortgage Service company that is intent on foreclosing despite my good faith and will towards this company. We have remained in contact, our income and jobs have changed for much better, we currently have no problem paying either the mortgage or a significant increase for modification, and this provider continues to deny modification and uses inappropriate and deceitful practices to push forward with trying to take my home. Everytime we submit a resolution or documents they wait till the last moment to then say they did not have important signatures or something was not checked or crossed off. We need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I have used the online message center to update Chase on my unemployment but when I send an update, they immediately start calling, every hour or two and never have record of any previous update, conversation and promise to pay. The collection calls last an hour or so with lots of " I'm sorry '' and promises to record the information provided, but they never do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pluese, Becker & Saltzman, LLC
State: NJ

Complaint narrative:
On XX/XX/2018 a man appeared at my door saying he was serving papers for ( what initially sounded like ) XXXX. I said I had no account with them, and told me I needed to call the lawyer involved. Upon looking at the documents they related to my deceased grandmother. Knowing that by Federal law I am not responsible for this debt, and the fact it felt like a scam ( being served with papers without any prior effort by any party to contact me regardless ), I did not take action. On XX/XX/XXXX I and my spouse received additional correspondence from this lawyer stating that he was entering into judgment to have the debt paid. All documentation contains a laundry list of relatives for my late-grandmother, including the executor of her will ( which is not me ). Upon reviewing documentation sent by certified mail it seems that she took out a loan at some point prior to her passing. At no point was I aware of this loan, I never discussed it with her, nor did I co-sign on this loan. After talking with a representative of the CFPB on XX/XX/XXXX I wrote a letter to this lawyer indicating that I have no legal responsibility for this debt, nor do I have any intention of paying it. This letter was sent by certified registered mail on XX/XX/2018.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
I reached out to this company and credit bureau to inform them both that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the Barclay a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to the letter directly, which is a direct violation of the fair credit reporting act.

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 2018-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am having a problem with Equifax reporting and being able to access my dispute information. I contacted Equifax via chat about the major diffrence between in my score that they show on XXXX XXXX and what my bank is showing. When I contacted them through Chat ( because they impossible to get in touch with ) about this they sent me a link that was no explanation to my question. Later that week I received an email that my dispute had been resolved and I could check through their website. I tried every thing they said to access it and it wasnt available so once again I contacted them and they said they were having technical difficulties. As of today, three days later I am not able to access my disbute. And when I checked my XXXX XXXX report today my score has dropped 33 points and is showing old information that WAS currently showing updated three days ago. There is no way my score should drop 33 point in three days. And I tried to dispute this and it says my information is incorrect ( same as its been showing since their so-called technical difficulties ) and will not let me dispute. They are messing with peoples credit and I think its funny that I havent had this problem until I started questioning them about their reporting practices. I need to know why my information was updated and current as of days ago and know not showing being updated for months and my score dropped 33 points. There is no way this should have happened and they need to be investigated. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: MCCUE MORTGAGE COMPANY, THE
State: RI

Complaint narrative:
Never received a compromised claim disclosure for {$9800.00} ( VA Home Loan Guarantee ) or sale disclosure form from the mortgage company that occured on XX/XX/XXXX. When I attempted to request all documents pertaining to the short sale ( XX/XX/XXXX ), representative was resistant to my request, telling me that I could not have those documents. Later the mortgage rep called back and stated that I could get email correspondences in relation to the sales transaction. I also was informed that any documentation pertaining to the sale of the house would cost me {$5.00} per page. 

At closing of the sale I did not receive any closing disclosure from the sale or a compromised claim documentation submitted to the VA Home Loan Guarantee.

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 2018-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
We have reached CitiMortgage four times in different years for the past ten years with no solution to our request to help us in lowering ( modifying ) the interest rate of 12.375 %. We consider that this rate is three times higher than the current interest market, we have never been late in our payments. We can't sell the condo because we owe more than its value, we expected help by modifying our current debt with CitiMortgage, but it seems that CitiMortgage wants to see us in a very desperate situation and delayed in payments to give us a help, which is unfair. The last time we met was this past XX/XX/2018 at XXXX ( XXXX XXXX XXXX XXXX XXXX, Florida XXXX ), and the only solution they gave us was to cash-out from our primary residence and pay out this second mortgage. We consider that we have paid unfair interest, since the market interest rates have been lower for the past 5 years. Our current debt as of XXXX is {$26000.00}.

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 2018-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peer Advisors, LLC
State: NJ

Complaint narrative:
On XX/XX/2018 a man appeared at my door saying he was serving papers for ( what initially sounded like ) XXXX. I said I had no account with them, and told me I needed to call the lawyer involved. Upon looking at the documents they related to my deceased grandmother. Knowing that by Federal law I am not responsible for this debt, and the fact it felt like a scam ( being served with papers without any prior effort by any party to contact me regardless ), I did not take action. On XX/XX/XXXX I and my spouse received additional correspondence from this lawyer stating that he was entering into judgment to have the debt paid. All documentation contains a laundry list of relatives for my late-grandmother, including the executor of her will ( which is not me ). Upon reviewing documentation sent by certified mail it seems that she took out a loan at some point prior to her passing. At no point was I aware of this loan, I never discussed it with her, nor did I co-sign on this loan. After talking with a representative of the CFPB on XX/XX/XXXX I wrote a letter to this lawyer indicating that I have no legal responsibility for this debt, nor do I have any intention of paying it. This letter was sent by certified registered mail on XX/XX/2018.

Company response to consumer: Closed with explanation