vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-29 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: MD

Complaint narrative:
Repeatedly, since and before XXXX XXXX, TRANSUNION has refused to comply with applicable federal law by providing the proof they are required to have on record regarding requests for my credit history. I have demanded that TRANSUNION provide the ( 1 ) method of verification TRANSUNION utilized and the ( 2 ) name and address of the furnisher to whom TRANSUNION sumbitted its dispute investigation and from whom XXXX received the investigation report. TRANSUNION has continuously refused, failed, and ignored my demands for TRANSUNION 's compliance with federal law. Instead, to my detriment, TRANSUNION has and continues to assert erroneously that the XXXX CNTY COURTS is responsible for furnishing the derogatory public record information. Personally, I have discussed at length with the XXXX XXXX CLERK OF COURT and have been advised in writing and verbally that the neither the OFFICE OF THE CLREK nor any court, municipal, state, federal court makes any reporting of public record to a credit bureau! Hence, TRANSUNION is a XXXX defamatory liar! As recently as XXXX XXXX, XXXX in TRANSUNION File # XXXX, TRANSUNION is still reporting a RELEASE OF TAX LIEN on my consumer credit report while trying to sell to me credit score subscription and other consumer credit reporting services. TRANSUNION is aggressively continuing to report this unverified, invalidated derogatory public record even though I have successfully had applied to the consumer records maintained by XXXX, a permanent freeze. TRANSUNION 's lies about having having verified the the reporting as accurate is a XXXX lie!

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 2017-11-29 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: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: FACTUAL DATA CORP.
State: MO

Complaint narrative:
I have tried to have these removed from my credit as I never spoke to this company nor authorized them to place a inquiry on my credit, I have sent them several letters and yet they still fail to remove them or show me proof of me asking or authorizing them to run my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Our complaint is against Nation Star mortgage/DBA Mr. Cooper. 
I paid off my mortgage XX/XX/XXXX and they were to reimburse me {$1100.00}. 
They sent a check for {$150.00} XX/XX/XXXX which I rejected and sent it back to them with the reason that it was not the amount I was due. They sent a letter from the research department dated XX/XX/XXXX and said they were looking into this matter and I still have not heard back from them. 
The XXXX XXXX XXXX XXXX of Michigan bought my property be cause they are widening the road where my house was located. they wired money to them XX/XX/XXXX and XX/XX/XXXX and rejected both wire transfers finally XXXX XXXX XXXX XXXX sent them a cashiers check XX/XX/XXXX and it was accepted then, but we have n't been able to resolve the matter of the {$1100.00} that Mr. Cooper still owes me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am being refused a bank account at any of the major banks because of information BANK OF AMERICA is giving out to when ever I tried to open an account.i have spoke to bank of XXXX representative and was advised I could never have a relationship with bank of America, I also ried to open bank accounts at XXXX, XXXX XXXX and was told BANK OF AMERICA has some type of block against your name and ssn in the banking environment and only they can remove it ... this is discrimination in the fullest, very unfair treatment..My identity was manipulated during XXXX XXXX thur XXXX 2017..their is some fraud on a account that was in XXXX ... Its XXXX as a consumer should have the right to open a bank account per CONSUMER LAW AND CONSUMER PROTECTION AGENCY AND THE FAIR 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 2017-11-29 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: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I wrote into all three credit reporting agencies asking them to have the companies Wells Fargo XXXX on XXXX XXXX XXXX and XXXX XXXX XXXX on all three ) validate my debt and send me copies of all documents with my signatures validating this account. This was not done. XXXX XXXX  has also reaged my account which by law isnt allowed. These items need to be deleted if validation can not be given.

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The house was in foreclosure, through the foreclosure case and after the final Judgment was rendered, we agree to a loan modification, the bank chase imposed a probatory payment period, through such period we made timely payments in excess of {$6000.00} towards the loan modification, later after receiving the money Chase decided to disallowed the loan modification abs refused to counter sign it and proceeded to allow the sale of the property in the court steps, in the XXXX hour we were able to get the full judgment amount and retrieved the property form the court steps, paying off the loan, Chase refused to return the payments made in lieu of the failed modification, for which they had no legal ability to charge and now claim they just dont know how ti solve the probem, they were fully paid for the mortgage with all legal fees as awarded by the court, they were not entitled to charge for a modification they never agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Peerless Credit Services Inc
State: PA

Complaint narrative:
XXXX XXXX was told repeatedly at peerless credit to not call my work number. He proceeded to contact my work 2 more times after asked not to. I am not allowed to receive personal calls at work and this is a violation of my employment. My wife asked him to leave a message with her and she would forward it to me because of the work policy and he told her that he was not allowed to leave messages, even though he left two messages with the secretary at my work. Giving his name and who he was trying to contact. Also threatened us after we questioned him about policies in Pennsylvania about the debt and history of it ... he told us we owed the full amount in 10 days or we were going to be sued for it. 

He called my wife twice at XXXX XXXX and again at XXXX. No messages left. He called me on my cell twice the same times XXXX, XXXX, and XXXX. He also called my employer between those times twice and left messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following inquiries was supposed to been removed and is still showing. This is on my Experian report which I pay monthly for. 


XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX date XX/XX/XXXX-Removal date All Banks - non specific XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XX/XX/XXXX-Inquiry date XX/XX/XXXX-Removal date Bank Credit Cards XX/XX/XXXX, XXXX XX/XX/XXXX BYMAILONLY

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 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: MS

Complaint narrative:
I was foreclosed on during remodification process. I was led to believe that I was being processed in XXXX with documentation from the servicer with contact numbers that would not except my calls or relay me to an extension of the rep. whom was handling my case when trying to contact and follow up. Ultimately I was given a 3 day notice of eviction by the Sheriff ( XXXX XXXX XXXX @ XXXX ). I had filed for bankruptcy protection and the law firm went to court to have it lifted as I was awaiting a modification. I later was informed by NACA ( 3rd party entity ) helping with the modification that the home had been sold in XXXX XXXX. It was XXXX when I received the modification documentation. I was receiving billing statements monthly throughout this year. 

The servicer did not : Quickly resolve complaints and share information. 

Have and follow good customer service policies and procedures. 

Contact you to help you when youre having trouble making your payments. 

Work with you, if you are having trouble paying your mortgage, before starting or continuing foreclosure. 

Allow you to seek review of the mortgage servicers decision about your loan workout request. 
I am now leaving the home with a XXXX and XXXX under XXXX  circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
on XX/XX/XXXX, Ally called my mom looking for me -- said they were trying to contact me -- -I had already contacted them on XX/XX/XXXX, Ally called my girlfriend, XXXX , looking for me -- -said they were looking for me but could not tell her why -- -I called them back and spoke with XXXX -- -I asked why they called XXXX -- XXXXshe said , well, it should not come to that, now should it on XX/XX/XXXX, Ally called XXXX again and left a message -- XXXX called them back, curious as to what was going on -- -they told her I was several payments behind and my vehicle was up for repossession and I was not calling them back -- -not true on XX/XX/XXXX, they called my dad, XXXX, and told him they were looking for me but could not tell him why as he was not on my 'ok to give information to ' list why did they tell XXXX what they did when no one but me is on the 'ok to give information to ' list?

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 2017-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
MY BROTHER WHO SINCE XXXX XXXX IN XXXX OF THIS YEAR AND HIM AND I PURCHASED A VEHICLE FROM XXXX XXXX XXXX DEALERSHIP IN XXXX NEW YORK ON XXXX XXXX XXXX AND THEY GOT US A LOAN FROM SANTANDER CONSUMERS USA BANK KNOWING WE LIVE ON A FIXED INCOME AND A WEEK BEFORE XXXX XXXX SALESMAN INFORMED US THAT THEY HAD A CAR FOR US IT WAS A XXXX XXXX XXXX XXXX  XXXX XXXX NOT KNOWING THAT THE VEHICLE WAS NOT ROAD WORTHY BECAUSE IT WAS IN AN ACCIDENT IN XXXX XXXX NEW YORK THEY NEVER DISCLOSED THAT INFORMATION TO US BANK WAS SO QUICK TO FINANCE US THE LOAN XXXX XXXX SALESMAN TOLD US THAT THE CAR WAS STILL AT THE AUCTION PLACE THE SALESMAN TOLD US THAT THEY HAVING REPAIRS DONE ON IT AND I ASKED WHAT REPAIRS ARE THEY DOING ON IT THE SALESMAN NEVER TOLD US WHAT KIND OF REPAIRS THE AUCTION PLACE REPAIRING ON THE CAR WHEN WENT OUT TO XXXX TO PICK THE CAR UP I WENT OUTSIDE AND THERE WAS A TEAR ON THE REAR BUMPER AND I ASKED WHAT IS THAT SO I REPAIRED IT MYSELF NOW THE BANK IS ASK ING FOR THE REST OF THE MONEY AT THE INTEREST RATE THEY THEY WANT ME TO PAY THEM NOT HAPPENING THEY NEED TO PAY ME BACK ALL THE 2 YEARS OF PAYMENT WE PAID THEM I ASK THEM IF THEY WOULD REFINANCING AND THEY TOLD ME NO THE CAR WAS TOTALED ON XXXX/XXXX/XXXX HIT FROM BEHIND AND IT 'S MY FAULT NO WAY I JUST BACK EVERY PAYMENT MADE TIGHT BACK TO ME AND SANTANDER CONSUMERS USA CAN GET THEIR MONEY BACK FROM XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FC HoldCo LLC
State: FL

Complaint narrative:
Civil case hearing on XXXX XXXX, XXXX in XXXX XXXX court resulted in the case dismissal. 
The case was dismissed in Civil Court by the judge due to fraud. There is no responsibility/liability for the auto loan in the amount of {$25000.00}. 
Also, an answer & affirmative letter written by myself was submitted to the court and sent on XXXX XXXX, XXXX to the attorney which represented XXXX XXXX XXXX demanding that the loan is removed from the XXXX credit report. The letter included detail information which was presented to the court at the time of the hearing. 
This fraudulent auto loan was also disputed 3 times directly with XXXX to no avail. 
Prior to the civil hearing the same complaint was also submitted to the consumer protection bureua ( XXXX ) for investigation on XXXX XXXX, XXXX. 

Reporting information that XXXX XXXX XXXX knows to be inaccurate violates the Fair Credit Reporting Act. Reporting invalidated information to any credit reporting agency, said action might constitute fraud under both Federal and State laws.

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 2017-11-29 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
I attended XXXX XXXX University in XXXX of XXXX. My loan was for XXXX I never attended XXXX XXXX in XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Called Equifax and where told they can not remove these inquires off my report I need proof that I made these inquires called the companies and they have no knowledge of the accounts but Equifax still will not remove ... .. 
XXXX XXXX XXXX XXXX XXXX XXXX & XXXX/XXXX/XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX showed two times in one day XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XXXX XXXX, my wife XXXX XXXX. At the time of her XXXX, I satisfied my mortgage loan of {$120000.00} with XXXX XXXX XXXX ( see attached payoff statement ). At the time I was preoccupied with the XXXX, XXXX XXXX, etc. It was not until a few months ago that I rediscovered the life insurance policy that my wife and I had with XXXX XXXX XXXX / XXXX XXXX XXXX. XXXX ( XXXX ) ( see attached " Approved '' letter from XXXX XXXX ). 

I contacted ( XXXX ) approx. XX/XX/XXXX regarding the policy. They had confirmed that the monthly premium of {$58.00} was being paid by GMAC out go escrow through my mortgage payment ( see attached policy cover letter ). They then informed me that GMAC had stopped making Payments XX/XX/XXXX. After questioning XXXX/XXXX as to why GMAC would stop making payments, I was told that GMAC could have changed insurance companies. 

After making attempts to call GMAC I have discovered they are no longer in the mortgage business ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX XXXX, XXXX Equifax admitted they had a breach more than a month prior to XXXX XXXX, XXXX. For 41 days my intellectual property ( IP ) were exposed to and was unaware of potential identity theft during that time. Equifax gathers personal private intellectual data also known as sensitive financial data on consumers payment history then sells that data to banks, insurance companies, potential employers, landlords, and government agencies in the form of consumer credit report. Better known as a credit report as a result of Equifax data breaches. The Fair Credit Reporting Act, 15 U.S.C subsection 1681 ( " FCRA '' ) is U.S. Federal Government legislation enacted to promate the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
On XXXX XXXX, I attempted to make a transfer through XXXX XXXX using my debit card. XXXX declined the transaction due to a mis-match on my phone number, though the {$83.00} was charged as pending to my BOA account XXXX ( RT ) XXXX ( acct ). I called XXXX XXXX to instruct them that the transaction was approved and already posted XXXX as pending. They advised that they showed no {$83.00} transaction pending in their system. 

They participated in a 3 way all between myself and BOA to explain why the transaction would not be processed by XXXX. The BOA representative told me to call back on Tuesday ( today, XXXX XXXX, XXXX ) if the pending transaction for {$83.00} was n't refunded to my account. NOW the associate tells me that I ca n't have my money back until Friday. 

This is {$83.00} authorized, but never captured from BOA ... you still have the money. There is no reason why this error should be withheld from my available balance for a week. 

The pending transaction is UNAUTHORIZED as a transaction that will never be processed. Under Federal Regulation E, I have the right to that money right now. At the time of the 3-way call, BOA confirmed that all these instructions would be noted with the transaction, which appears not to be the case. I was told by BOA ... it 's just a computer, beyond any human control to change it.

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 2017-11-29 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: NJ

Complaint narrative:
mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!

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