vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
To whom it may concern : I have filed 3 disputes just this year with XXXX, and 2 disputes with XXXX and Experian, about XXXX XXXX XXXX. XXXX has not validated this account with me ; I have sent them 2 certified letters and 1 fax with no response so how could this account be validate with any of the credit bureaus. On XX/XX/XXXX I sent a fax to all 3 credit bureaus only to receive an XXXX response 10 days later stating that anything reported on my credit will stay 7-10 years. Then I sent a second letter to XXXX on XX/XX/XXXX on with the same response 10 days later. The fact that I received a response in 10 days after they received my letter and fax, one can assume that there was no investigation. I have not heard from XXXX or Experian and its well past the 30 period. I am submitting this complaint for XXXX due to lack of investigation into my original dispute and to XXXX and Experian for not responding within the 30 day time frame. This is unfair practices by a credit reporting agency with no concerns for the credit worthiness of a consumer.

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 2017-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
Over the course of the last few months I have been working with a housing counselor to modify my mortgage with Sun trust. Since then my loan modification has never been properly processed by the lender. Every time I try to submit documentation in a timely manner the process gets held up or is not reviewed within an ample time frame. I continue to call for updates to the file to no avail. Sometimes the excuse is that the proper forms were not submitted so again I review and send in whatever documentation they are requiring. After many attempts both by myself and with a housing counseling professional these issues continue to happen and the file gets either pushed back or denied due to issues of delivery. Sometimes they claim the file must be submitted either by pdf. format or by only XXXX pages total through the Suntrust loss mitigation email portal. I have tried every which way to submit accurate information in a timely manner only to hit a wall with the processing department and their lack of getting back to me in a way that can resolve the issues I 'm having. The forms I have submitted are accurate XXXX forms all pages and a third party authorizations as well were submitted. I have been dealing with the same problem for a very long time and I want to get some external help in resolving such detrimental issues. In addition to these setbacks the mortgage company also has changed the point of contact like XXXX to XXXX times over the course of the loss mitigation process. Also they been reluctant in the past to give me a better rate and term on the loan. The escrows have always been included in the payments and the overall values of the property have fluctuated immensely over the last couple of years yielding inaccurate information on property value. I have tried numerous times with failed attempts to try and resolve these issues with Suntrust bank. The interest rate has always stayed the same interest only and they have never tried to put me into a more fixed conventional loan that can get me into a better 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 2017-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY

Complaint narrative:
I have had a history of complaints regarding this organization ( Bayview Loan Servicing ). I am currently in court because I filed and OSC/TRO against them due to their illegal attempts to add escrow account to by cooperative loans, and change my monthly payments to include the escrows. If you take notice of previous complaints ( XXXX, XXXX, XXXX ) there is a pattern of this mortgage servicer not providing complete information. They drag out the process by making me re-request the same information and then do not answer the points of concern, or send incomplete or incorrect responses. A ) In the beginning of this year I demanded that they send me the name and contact information of the owner of the cooperative loans I have with them. One XX/XX/XXXX they provided me with just a bank name and address. They stated the bank that owned the loan ( s ) was XXXX XXXX XXXX. I contacted XXXX XXXX XXXX by certified mail and they re-directed me to Bayview. I then called the phone number on the XXXX XXXX and called XXXX XXXX ( research analyst XXXX XXXX ). She informed me that the information provided by BLS is incorrect and that XXXX is the master servicer. She went on to tell me that XXXX XXXX is in fact the owner trustee of the loan ( s ). She further informed me that she reached out to BLS to tell them that they provided incorrect information to me and that they needed to resolve this. To date I have not received the name, and contact information of the true owner of my loans. B ) Next BLS is depicting my accounts as escrow balance accounts when these accounts are not escrow accounts. C ) BLS is reporting incorrectly to CRA 's by balance of accounts, and was reporting late payments incorrectly. I owe less than {$1000.00} on one account and less than {$1300.00} on the other ( XXXX, and XXXX ). They both will be paid off by XX/XX/XXXX and XX/XX/XXXX respectively. They are reporting that I owe over XXXX per unit to the CRA 's. D ) BLS is not sending me my invoices per month for XXXX to date, and may be planning on not sending me my invoice for XXXX next without explanation. E ) They still have not provided me with proof positive ( source documents ( check, or otherwise ) ) depicting the payoff of XXXX in XX/XX/XXXX as previously requested. I sent BLS the below email to all the key persons and to their attorneys. My understanding is that they must respond within 10 days. It was sent on XX/XX/XXXX. It is now XX/XX/XXXX, and this request was initially made back in XX/XX/XXXX when they gave incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
Company made 4 calls to my cell phone without leaving a message. When I called them back, the debt collector that answered talked over me as I told him that he now needed to send me a dunning letter as required by the FDCPA. He refused to do so claiming that he needed my personal information first.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: SC

Complaint narrative:
I disputed the debt with the credit bureau wanting to have the debt verified but all I received was typed up letters. I have no contract with Account Resolution Services

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 2017-06-21 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: Professional Credit Management, Inc
State: AR

Complaint narrative:
upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last 4 years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Company
State: WV

Complaint narrative:
On XXXX XXXX, someone called from XXXX and said her name was XXXX and she was with Credit Management Company, which is a debt collector. We asked her to send verification of the debt and to stop all phone calls in the process. She was very rude and said " We 'll keep calling ''. They have never sent any verification and every time I refuse to give them sensitive personal information, they get extremely rude. I have recordings of calls asking them to stop calling and send verification. They just do n't. They have never sent a single piece of mail to us and wo n't provide an address.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
The information I received through Navient about repayment and amount owe did not seem to align with payments I had paid to XXXX XXXX prior to loans being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I recently placed a fraud alert on my credit file that indicates anyone who runs my credit needs to call me. I have pulled my credit report and noticed that there are inquiries on my report that I did not authorize nor was I notified that my credit was being pulled and this action violates my consumer rights. I have reached out to all three  credit bureaus numerous times about this situation to notify them that my credit was pulled without my authorization. These inquiries are fraudulent inquiries and should be removed from my report. I have not received a proper response from neither of the credit bureaus from my disputes about this matter. Only a letter stating their " definition '' of an inquiry, but no factual evidence that these were a result of my actions or that i called before the credit was being accessed. Please remove these inquiries from all 3 of my reports. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/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 2017-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XXXX/XXXX/XXXX, I faxed, mailed and emailed a letter to Wells Fargo stating that XXXX XXXX XXXX no longer has my permission to  take automatic debit payments from my bank account. I notified XXXX XXXX XXXX as well. On XXXX/XXXX/XXXX, I received a letter from Wells Fargo advising me that a stop payment was placed on my account. On XXXX/XXXX/XXXX, an electronic payment was sent to XXXX XXXX XXXX. I contacted Wells Fargo and was advised my a customer service representative that the company ID matched the stop payment and that I would be credited the full amount the following moring. I asked them to close my account and open a new account to prevent any future problems. The representative helped me open the new account via phone but failed to close my original account. The representative also took it upon himself to file a claim on my behalf regarding the unauthorized payment to XXXX XXXX XXXX. I was told that this claim was denied due to the dates that I provided on the claim. I did n't give any dates what so ever as I was not even aware that a claim had been filed. To date, the account still has not been closed despite my many requests to close it. Not only was I not reimbursed for the unauthorized payment to XXXX XXXX XXXX but a second unauthorized payment went through on XXXX/XXXX/XXXX. I was charged overdraft fees for both of these transactions as well as a couple of other transactions that went through due to the account not being closed. As of today, my account has a negative balance of {$200.00} due to these unauthorized charges and fees. If the account were closed as I originally requested on XXXX/XXXX/XXXX, it would have a balance of {$0.00}. I would appreciate if was reimbursed for the unauthorized payments and my account were closed as requested. I will no longer be banking through Wells Fargo.

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 2017-06-21 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: Louisiana Recovery Services Inc.
State: AR

Complaint narrative:
upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last XXXX years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.

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 2017-06-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have two accounts with Citibank. Gold account number ends in XXXX. Platinum account number ends in XXXX. I mistakenly sent a {$3300.00} payment intended for the Gold account ( SEE EXHIBIT 1 ) to the Platinum account. The Gold payment was posted to the Platinum account XXXX/XXXX/XXXX. SEE EXHIBIT 2. I called Citibank and was forced to deal with a foreigner who I could barely understand. I explained that I needed {$3300.00} payment REMOVED FROM PLATINUM ACCOUNT and POSTED TO GOLD ACCOUNT. The frustrating foreigner spent a lot of time messing around. But then I noticed that the requested action was taken a few weeks later. Yesterday, I received a letter from Citibank stating that the {$3300.00} payment was being REMOVED FROM THE GOLD ACCOUNT. SEE EXHIBIT 3. I can confirm that the payment has been removed from the Gold account. But now the payment is posted NOWHERE. I 've given them {$3300.00} and the payment is posted nowhere.

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 monetary relief
Consumer complaint received 2017-06-21 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: NC

Complaint narrative:
After suffering an incident of identity theft, I placed a fraud alert on all three credit reporting agencies and froze my XXXX XXXX file asking any potential creditors to call me to verify my identity before pulling my credit reports. However, Capital One Auto Finance did not call me to verify my information before running my credit, a violation of my rights as consumer. I have reached out to all three agencies several times to have the unauthorized inquiries removed from my credit reports. However, each time I was told they verified the inquiry. I have also attempted to speak to someone at Capital One to no avail as well. I never consented for anyone at Capital One Auto Finance ( COAF ) to access my credit files nor was I contacted by COAF to ensure they verified the identity of the person authorizing the inquiry. For these reasons, I respectfully request the inquires by COAF be removed from all of my credit reports. Please see below for which inquires I am requesting to be removed : XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXX/XX/XXXX, XXXX Loan # XXXX - XXXX XXXX Dear Sir or Madam, I have contacted XXXX and the three credit organizations to date. XXXX is the only company that has complied with my request. I am writing to dispute the following information on my credit history. Previously, I had a second mortgage ( Loan # XXXX ) of {$40000.00} attached to my former home at XXXX XXXX XXXX, XXXX, MA XXXX. This loan was discharged when I filed bankruptcy ( See enclosed paperwork ) on XX/XX/XXXX. Years later, I voluntarily reached out to XXXX and offered to pay half ( {$12000.00} ) of the amount remaining ( {$23000.00} ) that I had previously owed. I was under no obligation to do so since the account was closed in bankruptcy. Unknown to me at the time, this action tainted my credit. Even though discharged in bankruptcy eleven years ago the credit entry by XXXX states : " Settled/Paid in full less than full balance : Conventional Mortgage : Closed. '' I am requesting that this item be removed from my credit history due to age ( XX/XX/XXXX ), or removed because the account was closed, or it should state " Conventional Mortgage : Closed. '' Enclosed are copies of my discharged bankruptcy of XX/XX/XXXX and copies of the XXXX XXXX  XXXX formerly doing business as XXXX XXXX - Mortgage Release statement, which support my position. Please inform Experian, XXXX, of this change. XXXX  has already complied with my request. Many thanks for your help. Sincerely, XXXX XXXX enclosed : United States Bankruptcy Court, District of Massachusetts ( XXXX, ) Discharged Closed XX/XX/XXXX XXXX XXXX - Mortgage Release Statement, Discharged Closed XX/XX/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 2017-06-21 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: GA

Complaint narrative:
I have been a victim of Identity Theft since XX/XX/XXXX. I have since accrued numerous unauthorized inquiries ( mostly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I have disputed the inquiries with Experian as well as the creditors ( XX/XX/XXXX-XX/XX/XXXX ), to no avail. I was advised to leave a Fraud Freeze on my credit report to ensure no more inquiries were accrued. Unauthorized inquiries continue to accrue and the credit bureau refuses to acknowledge or remove them. They are gravely impacting my credit score and I am begging for relief by them being removed. I am listing the unauthorized inquiries below. There are ten total. XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX , XX/XX/XXXX XXXX XXXX- XX/XX/XXXX,  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/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 non-monetary relief
Consumer complaint received 2017-06-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I hired a company last XX/XX/2016 to help and assist me with the mortgage modification process in order that it 's with in my monthly income requirements. The property and the home was WILL to me from my XXXX Mothers estate. The property deed and the mortgage did have my name on it since my income was required for my Mother to  refinance the mortgage. The company that I hired last XX/XX/2016 also informed me that there were issues with the mortgage documents saying it was XXXX, which I found out is against the laws in New York State to issue a XXXX loan. Unfortunately the modification that the company worked on for me with Ocwen Loan Servicing happened to be the worst modification that I have ever received in the 9 years of Ocwen. 2 law suits against Ocwen within the 9 years and no assistance They are absolutely the worst and with them reported managing over 104 million mortgages and having 9000 employees, that to me is a serious problem. <P/>In XX/XX/XXXX Ocwen threatened me with forclosure, threantened me with a phone call of a XXXX XXXX out of Texas stating that I need to contact him back about my home and property and that he worked for Ocwen Loan Servicing. Grant it I filled Chapter XXXX  bankruptacy protection not because of the mortgage because I needed to get reorganized. <P/>After once again doing research I find out again the CFPB is once again sueing Ocwen Loan Servicing. After skimming through some of the documents regarding the law suit its the same issues that I have been going through over the past 9 years with this organization. I do n't know if I would call Ocwen an organization or a business, there just plain CORRUPT. The law suit is in fact true and the CFPB needs to take control. <P/>Attached are all the related documents including a screen image of the voice mail that I received and is still available on my phone.

Company response to consumer: Closed with explanation