vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-06 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: MD

Complaint narrative:
I checked my credit report and noticed that I had 3 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the rep. told me that XXXX XXXX ran my Credit on XX/XX/2018. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  and XXXX XXXX XXXX  reported a negative trade line to my credit report without sending any verification relating to particulars in the amount of {$69000.00} for XXXX XXXX and {$2300.00} for XXXX. According to title 15-1692B of the FDPCA dealing with communication with third parties, the only way a collection agency can communicate about any debt, 1 ) they MUST have a post judgement from a court of competent jurisdiction or 2 ) prior consent from the consumer giving express consent to a court of competent jurisdiction. This is in violation of New York General Business Law Section 349- Deceptive Acts, Section 380S- Identity Theft and tile 15 U.S.C Section 1632- Form of Disclosure ( 2 ) Creditor to provide contracts to theBureau. As defined under title 18 U.S.C Section 1030- Access Device. The reporting agency did not follow laws under title 15 U.S.C 1681S-2 ( a ) Duty of Furnishers of Information to Provide Accurate Information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I applied for a home mortgage refinance on XX/XX/XXXX with Wells Fargo for the amount of XXXX XXXX cash out. My income is enough to support this loan but I was denied on base of their claim being my debt to income ratio is 66 %. I used their own online debt to income ratio calculator with the same numbers I provided to them and it says my ratio is only 35 % and in standard with their requirements. I then further escalated my case to be reviewed again by a team of under writers and again I was denied. They are incorrectly representing my debt to income ratio and I believe I am being discriminated against because of my age and because I am young but still make enough money to support this loan. They gave me a run around and no clear answers for 3 months. 

I work for a family owned hotel company which I also have ownership in. 

I am attaching my denial letter ( received XX/XX/XXXX ) which also states their reasons for denial, none of which could have any effect on me actually getting this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: NJ

Complaint narrative:
I received a collection notice from XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, Texas for a {$370.00} charge. I reached out to the alleged hospital in which they are claiming this debt it due and confirmed that there was no remaining balance and my health insurance took care of the bill for that date of service. I contacted XXXX XXXX via certified mail not once but 3 times requesting they send me validation, not verification, that this balance is in fact my responsible and from the original creditor. They had 30 days to respond with validation which they did not do so therefore they are in violation of the FTC by reporting this as a bad debt to my credit report. I demand this be removed from my credit report ASAP. This company is unethical and is reporting invalid information which is detrimental to my credit health and worthiness. If they do not remove this invalid information from my credit report, I will be seeking legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My late mother had a mortgage on her home ; she passed away in XX/XX/2018 and I have inherited the home, where I live. I have corresponded both in writing and on the telephone with the lender, Chase Mortgage, about assuming the loan under the provisions of the Garn-St Germain Depository Institutions Act. I get nothing from Chase but form letters saying the mortgage is not assumable, even after citing Garn-St. Germain to them. On hour-long telephone calls, I talk to several different people who, like automatons parrot " the loan is not assumable '', " the loan is not assumable '', even when I quote Garn-Ste Germain to them. No one will even admit Garn-St Germain exists, no one will tell me why the loan is not assumable. I just get stone-walled. 

I have been paying the mortgage under my mother 's name and SSN, so have lost out on any claim for mortgage interest tax deduction. I have had it with Chase Mortgage and intend to pay off the mortgage just to get shed of having to deal with this no-customer service organization. A big raspberry to Chase Mortgage ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I never applied for the card in question and it was eventually closed with being used but the bank is trying to extort the yearly fees from me by posting it on my credit profile without authentication

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 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: CT

Complaint narrative:
Equifax Credit Reporting XXXX repeatedly MISREPORTED my Student LOAN FROM XXXX THE LOAN IS IN FORBEARANCE, while another payment plan is being put in place so I get credit for NON Missed payments ... I have NEVER missed a payment on my student loan. IF the balance went up it is beacuse of the FEDERAL GOVERNMENT not me. I want to report EQUIFAX to the FEDERAL TRADE COMMISSION. This is the 3rd time they made negative commets on my XXXX XXXX report causing my credit to fall.This time it is 38 points. They are responsible for me not being able to get a better rent due to this score and I want them to be SUED for false reporting.Sued for destroying my life when I work hard to pay all my payments on time. I also must add that my credit balances have dropped consistently and EQUIFAX should be improving my score not lowering it. THIS IS WHAT EQUIFAX WROTE ON MY CREDIT REPOT ON XXXX XXXX 'XXXX DEPT OF EDXXXX Balance Increased by {$14.00} It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
Between XX/XX/2019 and XX/XX/2019, your DEPT OF ED/XXXX student loan account balance increased by {$14.00} from {$20000.00} to {$20000.00} '' .Please advise me as to what Government Agency could I report the dealings of EQUIFAX to. I have proof that they had no business saying I missed a payment to my Student Loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are three hard inquiries listed for XXXX XXXX. The dates are : XX/XX/2018 XX/XX/2018 XX/XX/2018 These are all inquiries for a mortgage and should only count as one inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
I have been current on all my payments but so far I can not seem to find a job to actually refinance to a different company, and so far XXXX XXXX has the nerve to say that my forbearance period is up. As of late the current company that I work for has been overworking and underpaying me to barely survive and this month I won't be able to pay my minimum payment towards my XXXX XXXX loan. This is getting out of and needs to be dealt with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HW Holding, Inc
State: SC

Complaint narrative:
I'm requesting we address this first! 


GOT OUR HOMES XXXX XXXX XXXX XXXX Florida XXXX Dear Attorney 's, This company has me at the end of my strings. They owe me on a lease to own at XXXX XXXX XXXX XXXX XXXX ga XXXX. Of which after robbing me ( charging fees and taken money on a monthly basic for maintenance never proformed, withholding XXXX. Down payment and services I had to pay for on the property above our agreement ). Comes to a {$6000.00}. plus total they owe me. 


On top of this they have me in collection with Hunter Warfield XXXX XXXX XXXX XXXX XXXX FL XXXX contact number XXXX, account number XXXX for the sum of XXXX which on XXXX reviews they claim I missed 4 months, XXXX, XXXX, and XXXX XXXX.after a tenent misses the due date, due on or no later than the XXXX they will file evidentiary paperwork by the XXXX. The court stated, I was to move on the XXXX if XX/XX/XXXX I did that an have proved that my beings are in storage with XXXX  the amount is wrong. They also claim I stole something upon existing. I'm not sure what they're talking about but that's false as well. I counter claimed they owe me XXXX, during our meeting with the court mediator The house manager said XXXX XXXX XXXX they don't want anything from me but to get out. '' I did that XX/XX/XXXX. 


Attach is a few paper from the court and Hunter Warfield 's collection bill. I have a file I created for this company. I knew they were going to be a problem. 


They need a class action lawsuit. 


I'm a single XXXX woman who tries to work as well. I was deemed XXXX XXXX. 

I also was in a car accident XX/XX/XXXX where 3 cars ran into me. Which makes it extremely hard to work. 


I was able to keep a home for XXXX kids and XXXX dogs for 12 years. Until I made the great mistake of doing business for 5 years with GOTOURHOMES. 


HOMELESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I called PNC to remove PMI at 80 % loan-to-value on XX/XX/2019 ( I know it should be in writing ). Received a letter to remove it required me to pay a {$500.00} appraisal fee to an appraisal company owned by PNC. I was called on XX/XX/2019 by PNC and told that it was the lenders ( XXXX XXXX ) requirement, and I could call them to request removal. They were not open. Per the Homeowner 's Protection Act, they can require " evidence '' but it says nothing about being required to use their in-house, overpriced appraiser. This sort of self-dealing should be illegal, and the definition of evidence should be expanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have patiently have waited for an approval on my loan modification. This is very frustrating. I have requested Wells Fargo a work out plan and until today I have received absolutely nothing. I have been dealing with this since XX/XX/XXXX when my property taxes had an absorbing increase. It was then that I began to struggle to make my mortgage payments. I then had a reduction on wages. I also confronted unanticipated urgent property repairs. These were circumstances beyond my control. 
I immediately reached out to Well s Fargo. 
However, do to miss communication with Wells Fargo I defaulted on a trial period in XX/XX/XXXX. I immediately retained my present attorney for I want to keep my home. I provided another financial package to no success. 
On XX/XX/XXXX My attorneys receives call that my home has a sale day of XX/XX/XXXX. Wells Fargo has not inform me anything or my attorney of such before XX/XX/XXXX. 
They did not provided any correspondence regarding receipt of any packages. 
Our Current situation is stabilized now I have minimized all expenses for it is important to keep my home. 
I feel that we have been financially injured as a result of the miss communication with Wells Fargo. I please ask that wells Fargo consider my request. I will provide up dated documents for the file.. I request that the Wells Fargo allow me to provide such and cancel the sale. My income now is substantial for my wife and I both had quite an increase in pay this past year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: WI

Complaint narrative:
I have a gap waiver addendum to my lease contract from Kia stating that in the event of a total loss ( which occurred on XX/XX/18 ), once full proceeds from the insurance company, based on a fair and reasonable determination of the vehicles actual cash value ( ACV ) less any subtractions from that ACV by the insurer ( my deductible ) have been received, I will have no further financial liability. My insurer confirmed that Kia/Hyundai would work with the actual cash value ( ACV ) as provided by my insurer. The insurer issued Kia a check for the ACV less my {$500.00} deductible. This check was cashed, thereby ratifying the contractual agreement. Kia insists that I owe them XXXX. They refuse to provide either myself or my insurer any documentation of why they feel entitled to bill me for an amount over and above the ACV of the vehicle. My contract does not list any exclusions to the gap insurance other than past due lease payments. I had none. My insurer and dealership staff have all said that they have never heard of anything like this before ; that gap insurance covers everything. Additionally, I financed a replacement lease, through Kia Finance, with my dealership stating that the totaled vehicle had been paid in full. I only found out that Kia was billing me for the totaled vehicle when I erroneously tagged the lease payment for my new vehicle to the old account. I had to request a billing statement to find out what I was being charged for. I have tried multiple times to resolve this with Kia/Hyundai Finance, with the assistance of my insurer and my dealership. Kia Finance has been unwilling or unable to provide any documentation of language in my contract which allows them to bill for amounts over and above the ACV. They have been uncooperative, rude and unprofessional throughout this entire time. At this point, my credit is being negatively affected. I believe I am being harassed and upon the advice of my insurer and lawyer, I have already submitted a claim to the XXXX  and will submit claims to both state and federal CFPBs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: NJ

Complaint narrative:
The 3 credit bureaus Equifax XXXX XXXX   are reporting inaccurate credit information According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.1.XXXX XXXX  {$34.00} 2.XXXX  XXXX  {$29.00} 3.XXXX XXXX {$110.00} 4. {$130.00} 5. {$35.00} 6. {$2700.00} 7. {$250.00} 8. {$35.00} 9. {$35.00} 10.XXXX  XXXX {$91.00} 11.XXXX XXXX {$240.00} 12.XXXX XXXX {$29.00} 13.XXXX XXXX {$150.00} 14.XXXX XXXX XXXX {$5800.00} these must be removed from my credit reports as they are fraudulent and you cant prove its mines or I will sue in court each violation is {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc.
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. XXXX has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Risecredit, LLC
State: TX

Complaint narrative:
FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. GLA has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB   portal. Do not send screenshots. Do not send medical statements. Send my actual signature on a contract. As this debt is Not mine.

Company response to consumer: Closed with explanation