vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: NJ

Complaint narrative:
I have on many occasions reached out to XXXX XXXX XXXX XXXX ( XXXX ) to resolve the mortgage issue. I had my mortgage refinanced through XXXX. I even contacted the representative from the company XXXX XXXX to assist me in the process of trying to get help for my mortgage, but he couldnt help me even though he was the person that got my loan refinanced. XXXX is very confusing. XXXX did not service my loan. They had another company by the name of Roundpoint Mortgage Service Corporation & XXXX XXXX , XXXX to be in charge of my loan. At first I was working with Roundpoint Mortgage Service and then out of nowhere XXXX XXXX was taking over my mortgage. I contacted XXXX XXXX on 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, and XXXX/XXXX/XXXX. I never had a chance to work directly with XXXX. Even on the first court document XXXX XXXX was the Plaintiff and I am the defendant. This stayed on until I contacted the courts and to find out why I am being tried on the same case by 2 different organizations. Now the court document has XXXX XXXX XXXX XXXX as the Plaintiff and I am the defendant. The house that I have is an underwater property. When I applied for a forbearance and loan modification with Roundpoint and XXXX XXXX I never received feedback as to if I was not accepted nor did I receive any options before foreclosure. I was constantly being given the run around without giving me an answer and the next thing you know I am receiving court notices. I was transferred from Roundpoint to XXXX XXXX without even being notified of my status with Roundpoint. This is very frustrating and the lack of communication is not professional as well. XXXX XXXX has also been in contact with the NJ Hardest Hit Fund and gave them the information and XXXX XXXX knows that I am working with them to resolve the outstanding balance.

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 2017-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
EquiFax has fail to update my information after several attempts with them. THEY HAVE FAILED TO PROVIDE ME WITH A FULL ANNUAL FREE CREDIT REPORT AS WELL. I HAVE PROOF THAT THEY ARE SENDING INFORMATION TO MY  PO BOX ,  BUT THEY REFUSE TO PROVIDE ME WITH MY REPORTS AND REQUEST FOR THIS INFORMATION YOUR OFFICE HAS FAILED TO RESPOND TO MY REQUEST FOR REMOVAL OF THESE ITEM ON MY CREDIT REPORT THAT I DID NOT AUTHORIZATION. THIS IS ANOTHER GOOD WILL ATTEMPT BY ME TO RESOLVED THIS ISSUE. I AM SENDING ALL MY COMMUNICATION WITH YOUR AGENCY AND WITH THE COMPANIES OF NO RESPONSE TO THE FOLLOWING LISTED AGENCY ON THIS LETTER.     YOUR OFFICE HAS FAILED TO RESPOND TO A REQUEST THAT MY NAME AND ADDRESS BE UPDATED TO THE FOLLOW :  XXXX   XXXX   XXXX   XXXX  AZ  XXXX  Please remove all the other addresses off my report, as they are not deliverable to me by the  U.S.  post office, and they are not reportable as per the FCRA, since they are inaccurate.     NAMES ON REPORT SHOULD ONLY BE AS FOLLOWED :  XXXX   XXXX    XXXX    HAVE ALSO ASKED YOU AGENCY TO REMOVE THE EMPLOYER HISTORY OF THE  TWO  EMPLOYERS THAT I HAVE NEVER WORKED FOR. YOUR AGENCY CONTINUES TO NOT COMPLY WITH THE FAIR CREDIT REPORTING ACT WILL RESULT IN A CIVIL ACTION LAWSUIT DEPENDING ON YOUR RESPONSE TO THIS LETTER. I MUST REMIND YOU THAT THIS IS A GOOD WILL ATTEMPT TO RESOLVE THIS MATTER NOW IN GOOD FAITH.        XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One continues to violate permanent Prescreened credit card opt-outs by sending unsolicited offers for credit. Please make them STOP this junk mail. I received yet another one of the unsolicited junk mail letters today XXXX/XXXX/2017 ( after  receiving several of their prior bundles of junk mail ), this time, for their Quicksilver  credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
AR  Resources  is reporting negatively to my credit report. I do not have a contract with AR  Resources  nor are they licensed to collect in the state of Florida due to their license being expired. I 've contacted AR  Resources via th e  XXXX  major credit reporting agencies requesting validation and verification of this debt by contract. I have not received such information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: AES/PHEAA
State: PA

Complaint narrative:
My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status t o 180+  days late and my score dropped.  AES will not remove these paid off accounts and they added false info when I filed a dispute.  The same loan is also on my reports multiple times. I dont know where to turn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15 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: NY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   Experian Re : unauthorized inquiry To Whom It May Concern  : I would like to dispute an unauthorized inquiry from  XXXX   XXXX  made on  XXXX / XXXX / 2017 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX   XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 2017-06-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have  applied to Wells Fargo  numerous times for a loan modification over the years. I have never received any assistance each application for assistance is met with a new reason why I do n't qualify. However, in a letter dated  XXXX   XXXX , 2017, from  Wells Fargo  bank which I received on  XXXX   XXXX , 2017, they are notifying me that my payment will increase by {$1000.00} beginning  XXXX   XXXX , 2017. There is no way I am able to keep my home with this increase, furthermore, I have less than 30 days to make these changes.   The Califo rnia Civil Code  states that I have to have at least 60 days notice to accommodate such a increase. C CC 1916. 6 1916.5 1916.8 and 9.

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 2017-06-15 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: MI

Complaint narrative:
I have sent numerous letters to Equifax requesting that the information reported by XXXX XXXX be removed from my record. I filed an identity theft report with the FTC and a complaint with the Michigan Attorney General. I requested that Equifax provide me with a description and person that they spoke with to verify this information. I contacted XXXX XXXX regarding this matter and they sent me a letter indicating that they were unable to locate any active or previous loan under my name ( attached ). Equifax has not provided me with a description of the process used by them to verify this information or who provided this information to them. I believe that by law I am entitled to be provided with that information by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have a car loa n with Honda Financial. I  'm almost at the end of my loan. I recently received a printout of my payments and extra fees. I was horrified to see all of the LATE CHARGES Honda has charged me. I explain what they   failed to do below.
At the   XXXX   XXXX   2016, I started paying an extra " LATE CHARGES '' fee. I asked Honda Financial at least 3 times to change the date of my payment to coincide with my social security check that is deposited in my account on the third Wednesday of the month. Because every month they were adding a late charge on my balance, because on the date they wanted payment, I did not have the funds to make that payment. They said I had to pay {$170.0   0} to get the date changed. I was unable to pay that amount, at that time. As a result hundreds if dollars in LATE CHARGES was added to my balance since then to now. I am a senior with a modest income. I believe Honda did not change the date of my payment so t hat they could collect extra money in the form of LATE CHARGES, thereby profiting from my inability to pay {$170.00} to get my payment date changed. I would like those LATE CHARGES to go away. It 's predatory and grossly unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: NY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May  Concern : I would like to dispute an unauthorized inquiry from  XXXX  which was made on  XXXX / XXXX / 2016 . I checked my credit report, which I acquired from Experian.   I have contacted  XXXX , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 2017-06-15 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: PA

Complaint narrative:
My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

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 2017-06-15 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: PA

Complaint narrative:
My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.

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 2017-06-15 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: NY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re : unauthorized inquiry To Whom It May C oncern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 2017-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
On  XXXX   XXXX ,  2017 , PayPal restricted my account  XXXX  XXXX  XXXX , because the associated   XXXX    account,  XXXX , was restricted by  XXXX  earlier that day. The  XXXX  account had all its listings removed and was restricted indefinitely due to fraudulent infringement claims filed by an   XXXX    competitor. The same competitor had been filing similar false infringement claims for over a year. On  XXXX   XXXX , I contacted  XXXX  to make them aware of the error. On  XXXX   XXXX ,  XXXX  admitted they erred and restored the selling privileges for the  XXXX  account and reinstated all the listings which were removed.     I then contacted PayPal by phone to have the hold on my funds removed, but was told by the PayPal rep that the hold couldnt be removed because the  XXXX  account was not in good standing. But the   XXXX   account  WAS in good standing, having already been restored. I followed up with emails to aup.paypal.com  on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . To date, the only response provided by PayPal is that the account will remain restricted due to violations of Paypal 's User Agreement.     To be clear, the hold placed on the PayPal account was a direct result of a mistake made by  XXXX .  XXXX  admitted the mistake and reversed th e action they took due to the mistake. However, PayPal will not reverse the action THEY took due to t he mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CT

Complaint narrative:
XXXX , formerly  XXXX   XXXX  refuses to work with customers regarding options to repay private student loans when there is financial hardship. They require payment for forbearance, which is only for a 3 month period. When having difficulties paying loans, I attempted to provide a small payment, i.e. my outstanding balance was {$420.00} and I paid approximately {$150.00} in  XXXX , as I could not afford the payment and no other options were made available to me.  XXXX  calls my personal cell phone multiple times daily in order to make financial arrangements. I have received  XXXX  calls per day almost every day from them ; I believe this qualifies as harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 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: NY

Complaint narrative:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX  Experian  Re  : unauthorized inquiry To Whom It May Concern : I would like to dispute an unauthorized inquiry from   XXXX   XXXX   XXXX   which was made on  XXXX / XXXX / 2015 . I checked my credit report, which I acquired from Experian.   I have contacted   XXXX   XXXX   XXXX  , who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation?   Thank you for your assistance in this matter, Sincerely,

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 2017-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Credit & Finance, Inc.
State: AZ

Complaint narrative:
A company called  ACF  called in regards to  XXXX   XXXX  from phone #  (   XXXX   )   XXXX . The company disclosed that a debt is owed after I had advised that I was not the requested party. After advising them they are not allowed to imply debt to a third party, the agent continued to press for information on  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 2017-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: PA

Complaint narrative:
on  XXXX   XXXX ,  2017  I initiated a transfer  via Western Union fo r {$1600.00}  ( mtcn  :  XXXX  ), upon completion of the transaction, the  IFSC  code was incorrectly shown, therefore contacted the customer service rep and he told me to wait until  XXXX  as someone will contact me to correct the problem and if I am not satisfied with the wait, he asked me to cancel the transaction and I did cancel the transaction. I initiated another transaction via transfast and they asked me to provide driver license, bank ownership proof, passport copy and the transaction was completed. In the meantime, on  XXXX  I received the email from Western union that the transfer was complete. I was shocked as I have already cancelled the transaction a nd the IFSC nu mber was wrong and no one verified my identity. Contacted  CSR  and they told me that money will be returned as they can not see a transaction using my email id and transaction is available on  XXXX , therefore they still had 2 days to cancel the transaction before reaching the destination.  Case  no :  XXXX . On  XXXX / XXXX / 17 , received mail indicating that the transaction was effected with all the rules and procedures followed. How a leading wire transfer company can send money to other country without any validation? Now I understand, how  XXXX  is collecting millions of dollars from outside their own country. I was sending this money to a unknown person based on information given to me by my brother-in-law ( as he owed money to hi m ), now  he has double the money in his hand.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: WI

Complaint narrative:
I have gotten {$210.00} in lat e fees from US Bank in the course of 3 days. I have replenished my account from my other account with in 12 hours when it 's gone negative ( usually from the excessive overdraft fees ). It 's not even suppose d to charge a fee if your account is not over - {$5.00} but at  XXXX  they started charging. I am enclosing screenshots to show my concerns.

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