vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. 

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit.

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.

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 2018-10-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed.

As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit.

I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I have been requesting Mortgage Assistance with my lender Bayview who was transferred from XXXX XXXX XXXX. I have done what i can to keep close communication with my lender Bayview, but it seems Bayview is having employment issues going on and cant keep people employed with them. I had my file submitted to them about 3 times now and I had been told when my 3rd Party was calling that they got the docs and no more docs are needed- then they would call back a week later for a update and get complete different answer with who ever answered the call had no experience at all and no clue what they are doing. I have about had it with Bayview and need your assistance getting this file assigned and to stay assigned to one person w/ Bayview and not ever be transferred to one other person again. You will see the notes from XXXX XXXX XXXX that have been doing all that can be done to help this process move forward to get me a resolution with my lender, this is my home and I am very ill and suffer from XXXX and have many major other medical issues going on and i know i dont need a lender that cant hire a staff of people to do the job correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I WAS A VICTIM OF IDENTITY THEIFTED AND NOW A VICTIM OF WELLS FARGO SUSPIOUSE ACTIVITY,,, THESE DISPUTES ARE A FEW OF MANY XXXX WAS AN ONLINE ORDER THAT I NEVER RECEIVED TO THIS DAY I HAVE AN ATM {$300.00} WITHDRAWAL NO CASH DISPENCED A {$100.00} ATM WITHDRAWAL ON A MOBILE CHECK DEPOSIT THAT CAME BACK UNCLEARED AND WOULDN'T ALLOW ME ( IT WAS ON HOLD AND SAME DAY IT CAME BACK IS WHEN THEY ARE SAYING I WITHDRAWAL THIS MONEY AT A XXXX BALANCE ) TO TAKE MONEY OUT. A {$60.00} WITHDRAWAL CANCELLED TRANSACTION,,, A {$40.00} No cash dispenced atm withdrawal,, as I've talked to claims,, cases were not even fully looked into,, and they had no reasoning,, then at branch i an informed of an everyday checking account i didn't open i had an easypay account and I'm this checking i didn't know i had three credit card i was clueless about,,, so with Wells Fargo reputation i became feared,, as o asked questions my account is facing closing yet i have XXXX owed that's being icored and now I'm in minis,,, all i want is my money back and then close these accounts out

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 2018-10-24 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Advantage LNS Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX a crime was committed inside my apartment at XXXX XXXX XXXX XXXX XXXX. Through court order for the safety of me and my baby the judge granted that the lease can be broken. I security deposit totally XXXX was given to XXXX on XX/XX/2014. Rent was XXXX enough to cover 2 months rent. XXXX XXXX maintence men enter my apartment while i was at work robbing me for many of my personal belongings. Not only i was physically abused prior i had to experience getting unlawful eviction through XXXX XXXX .. On XX/XX/2014 My babsitter called me at work because she was taking my son to the park stating the locks was changed and she is locked out. I to call locksmith upon getting in the maintence men had tstole all of my electronics computers, personal items, shoes etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I did not authorize these credit checks.

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 2018-10-24 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I did not authorize this credit check.

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 2018-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
This has been our primary home since XXXX and were up to date with our mortgage company ( LOAN DEPOT ) up to huricane Irma. We are a miltary family with girls under the age of XXXX. 

We contacted loan depot after the huricane and they offered us the option of a disaster modification. I was told that our interest rate would not change since this was a VA loan. After making our trial period payments for {$820.00} for 3 month, they accepted the disaster modification. They sent me the final paper work to have notized however I noticed that the interest rate was increased and we called Loan Depot for an explanation. I was not given an clear explanation by the rep and was told to sign the documents. I asked for a supervisor and the rep noted in the account that I did not want to proceed with the modification which was not true. After finally speaking to a supervior I was told that the rep gave me the wrong information regarding the interest rate. 

I was unable to get the documents notarized because the documents had my maiden name and the notary could not sign them. I notified Loan depot and I was told they would send me a new packet which I did not receive. Instead I received a letter denying the modifcation because they did not receive the notized docs back by the deadline. They are not allowing me to make a partial payment only a payment in full. 

I filed an appeal since I could not sign the documents they had mail me and provided them with support documents ( marriage certificate and appeal letter ).  Today XX/XX/XXXX I was told our appeal was denied. I am filing this complaint because due to the lack of attention to our case this is affecting us and they have denied to reopen my case for the disaster modification. This error by loan depot caused me not to be able to have them notarized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMCOL Systems, Inc.
State: MI

Complaint narrative:
I disputed a collection with XXXX  several times in the past few years regarding Amcol Systems that they submitted to the credit agencies recorded on XX/XX/XXXX without my knowledge and without any validation of debt. The details state the original creditor as XXXX and the amount is for {$650.00}. I contacted XXXX and they do not have a record of this under my name. I do not recall going to XXXX. I had a different insurance thru my employer as well as HSA and any medical bills would have been paid with the combination of both. This is too old to investigate or to submit to insurance or HSA. I also asked them due to this automatically falling off my credit report next XX/XX/XXXX, if they would kindly remove, as I have never received any communication from this them over the past years. Furthermore, this credit agency is not licensed in the State of Michigan to perform collections in this state, so I believe they are illegally trying to collect a debt that not only is invalid, but they are not entitled to do so according to the Michigan State Attorney general office, which they have requested I file a complaint pending the results of your findings. I have been checking my credit reports and this is still appearing, therefore they are ignoring my request for removal and never offered any type of validation. I reached out to them also via email this week, I have proof of delivery and again received no response, not even an email reply to say they would look into this matter. If this was on one of their own credit reports, they would react in a timelier matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2018 30 days late as of XX/XX/2018 60 days late as of XX/XX/2018 30 days late as of XX/XX/2018 30 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 2018-10-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: FL

Complaint narrative:
Selling on my house located in XXXX XXXX, fl with Plaza Home Mortgage being my lender. In 2018, my house went under forbearance due to Hurricane Irma. We began replaying on out mortgage working with their loss mitigation department in XX/XX/2018. So far in 2018 we have paid a total of {$21000.00}. On XX/XX/2018 we closed on selling our property with a principle balance of {$470000.00}. The mortgage company charged us {$20000.00} in interest for the year of XX/XX/2018 stating that we have not paid since XX/XX/2018 when actually i have statements showing my payments from my bank. I have spoken with them multiple times on the phone to be basically told that I did not know what i was talking about and that this was what was owed to them when the math does not add up based on the interest. since XX/XX/2018 a total of {$500000.00} was given to Plaza Home Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: Avid Acceptance, LLC
State: UT

Complaint narrative:
I did not authorize this credit check.

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 2018-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I did not authorize these credit checks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Santander imposed an unfavorable APR of 27 %. I believe I was targeted because I didnt have a favorable credit score as they have done with many others. Predatory lending is any lending practice that imposes unfair or abusive loan terms on a borrower. It is also any practice that convinces a borrower to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions for a loan that a borrower can't afford. ( I.E. In XXXX, Santander had to pay {$26.00} million to settle allegations that it gave high-interest loans to car buyers it knew could not repay them. ) They targeted low income borrowers and those with bad credit. 

I had a decent job with no other financial obligations. My credit improved and I tried refinancing for a lower interest rate with other companies and was denied because the loan was considered upside down, owning more than what the car was worth. Santander doesnt allow you to refinance or lower the interest rate. During the time I had my loan I terminated from my job on a few different occasions. I postponed about 6 payments due to this ( i.e. 2 in XXXX and 4 in  XXXX ). The initial amount borrowed was on XX/XX/XXXX for {$15000.00} at 27 % for 72 months. I paid {$12000.00} over a period of 3 years. XXXX paid {$7200.00}. XXXX which is a subsidiary of Santander paid {$2600.00}. A grand total of {$22000.00} had paid. They sent a letter for an additional {$310.00} a month for 41 more months. The car was totaled and if it was not for the high interest rate ( 27 % ) the car would be paid off. I had full coverage and gap insurance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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: Garcadia Financial LLC
State: UT

Complaint narrative:
I did not authorize these credit checks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: GA

Complaint narrative:
This my second request via CFPB, your company has fair in providing full validation of this public records in the way the FCRA require, you has no provide me proof of how you validate these public records, who did you spoke with, position held by this person, how long was this conversation. I a third party was use to validate this public records this is a clear violation of FCRA and this request will constitute proof of my request to your company to enforce my consumer '' s right. An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. if you continue listing these items illegally this complaint will serve a proof in a court of law. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
Chase closed two of my credit cards on XX/XX/2018. I made a payment on each of my credit cards, one payment for one of the credit cards for {$1000.00} and a payment on the other credit card for {$1100.00}. Both of the credit card payments ( {$1000.00} and {$1100.00} ) were made on XX/XX/2018, which would've brought my account current. Chase is engaging in deceptive business practices by closing the accounts the day after I made payments to bring the accounts current. I called customer service on XX/XX/2018, and the agents told me that it was " schedule '' the closing of the accounts but had not been done. I asked them if the accounts were " scheduled '' to be closed why weren't they closed beforeI made the accounts current. In addition, if I made the payments on the accounts on XX/XX/2018, then that should've brought the accounts current and the accounts shouldn't have been closed on XX/XX/2018. I told the customer service agent that I had lost my job and wasn't able to make payments for a short period of time, but that I was trying to get to being back current on my accounts by making payments to bring the account to current again. Chase is engaging in deceptive business practices by closing my accounts the day after I made substantial payments to bring them back to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: NH

Complaint narrative:
They will not help me lower my payments or let me do. A foreberance while Im out of work. I do not have the money to do so. Since this Monday they have called 17 times in 2 1/2 days. All day none stop from collections. XXXX ( XXXX ) XXXX And XXXX ( XXXX ) XXXX are the numbers that call all day and night looking for money. This is just my number, theyve been harassing my mother on her work and cell phone as well all day long looking for money as she is a co-signer. I have proof with the phone log records and voicemails. They are harassing me at this point now and not nice when I let the know my situation. Not sure what else to do at this point with the harassing calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
As the fiduciary of the estate of XXXX XXXX XXXX, I have the right to the information I am seeking and the information I have sought numerous times in the past. SPS continues to fail to cooperate with legitimate inquires to validate their alleged false claims.

1- Failure to adequately and sufficiently respond to Notice of Error or Information Request or Qualified Written Request dated XX/XX/2018 and XX/XX/2018. ( See attached requests ) 2- On XX/XX/2018 a property evaluation was ordered and completed by SPS in the amount of {$120.00}. I demand a copy of this report and all related documents.

3- Failure to adhere to Laws of New York State SCP Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX 's estate, I am requiring the claimant to present proof by affidavit. In addition, please identify the security in such claim.

4- As a reminder, as fiduciary and based on reason to question the validity of any claim, I reserve the right to present a petition to the court showing the facts and praying that the claimant or possible claimant be required to show cause why his claim, if any, should not be disallowed. 

To date, the estate of XXXX XXXX XXXX has yet to receive a valid claim from SPS or it's associates.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation