vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-25 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: FL

Complaint narrative:
My name is XXXX XXXX. This is a formal complaint against Equifax for refusing to remove someone else 's collection account from my credit report. The account is with XXXX XXXX XXXX and actually belongs to a woman named " XXXX XXXX ''. The account number being reported is # XXXX and the original creditor of the debt is " XXXX XXXX XXXX ''. I have never lived at these apartments nor at the related address listed on their records. Ever since this XXXX when I discovered this was on my credit report, I have been fighting tooth and nail with this XXXX woman 's collection company trying to have them send me supporting documentation to validate this is really mine. They were really hard to deal with but at long last, they recently sent me a supporting document which clearly proves this is not my account. It is a move out statement which states this debt is for " XXXX '' XXXX. My name is XXXX XXXX, I am a man, not a woman. A couple of months ago, I also filed a Consumer Financial Protection complaint directly to XXXX XXXX XXXX and they kept referring to me as " XXXX XXXX XXXX. '' I am attaching that communication as well that shows they think they are talking to a woman named XXXX, not me. Most important of all, this move out statement I am attaching is from XXXX. I was living in New York in XXXX and did not move to XXXX Florida until XXXX. My only Florida addresses that should be showing up on my credit are my XXXX, NY address and then the XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I have never lived at the address listed on their document.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Hello : Our family owns a home in XXXX, NM and our loan currently has PMI. We have paid down the principal and are now at 78 % XXXX. 

PNC services our loan. After we reached out, PNC sent us a letter saying that we are required to pay them XXXX XXXX which PNC owns jointly with XXXX )  {$590.00} for a XXXX Single Family appraisal because the loan investor requires proof that the property has not declined in value. 

What we would like to confirm is whether we actually need the appraisal. Per your efforts with XXXX XXXX, we read on your site/ comments that " Servicers must end a borrower 's requirement to pay PMI when the principal balance of the mortgage reaches 78 % of the property 's original value. '' We could be missing something but since we have it in writing that we have a XXXX of 78 % this would imply that PNC is responsible for ending our requirement to pay PMI. Again, we know our understanding of the subject is elementary. 

The process of removing PMI seems unbelievably heavy on a customer. We can not even imagine how much money is drained from our economy each year as a result. What bothers us more is that banks/ servicers turn a solid profit either way by setting up a toll booth which forces borrowers to pay them/ their subsidiaries large high-margin appraisal payments. Luckily, our family can afford this ( it will be tough to stomach and actually pay but we can if we have to thankfully ). Our fear is that for many who are arriving at this step ( hopefully they are even aware ), the appraisal price tag at 78 % could be a massive barrier to removing a large needless expense from their monthly budget. 

Again, we understand we could be missing some things but if you have any guidance for us it would be very much appreciated. Please let us know if you have any questions. Thanks in advance for your time and all you do and stand for at the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Patenaude & Felix A Professional Corporation
State: WA

Complaint narrative:
They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in XXXX and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
My FHA mortgage loan is currently serviced by Chase Bank. Chase Bank claims that the total amount past due is {$21000.00}. The alleged claim is for XXXX payments. Chase Bank has refused to process my loan modification, refusing to issue any written statements, approvals or denials. Chase Bank is clearly trying to over collect on the amount due, so they can push the bill to the FHA for payment. I have applied for a loan modification on numerous occasions and Chase Bank has refused to submit the modification requests for underwriting to the FHA. Since the FHA is the investor and insures the loan, they would be issuing a partial claim to help fund the loan modification. Since the FHA is unaware of the partial claim, they were clearly in the dark on the loan modification process. Chase Bank is in clear violation of the False Claims Act ( FCA ), XXXX XXXX XXXX - XXXX, since they knowingly withheld information and reported false records to a Federal Government Agency. Chase Bank also has an obligation to process the loan modification with transparency and clarity per the XXXX Mortgage XXXX of XXXX. Chase Bank has refused to cooperate and is threatening foreclosure action. Based on the violations listed herein, I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I want to get paid for my damages my kids pictures and my hacked emails and no one tells me nothing yet. For my bashed name

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 2017-10-25 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: TX

Complaint narrative:
I sent this company precise information regarding my disputes. This company has failed to research the information that I have provided them. This company has not did an accurate investigation. As a consumer I think that I was treated unfairly which has affected my credit score. Each dispute I have been very detailed in providing information to the investigation. This company has failed to research and investigate properly. I also requested a XXXX verification and this company has failed to provide me with the XXXX verification. This company is not even reading the disputes that I sent in. There has not been a thorough investigation therefore all of my actions have been in vain. I asked for the XXXX verification and they have failed to provide me that information. During the investigation they have not been verified any written information they only have did everything through email but nothing through the request of information that I have sent them. I have one company that I do n't have their own information from they refused to investigate that. The companies that I have a dispute on they have not provided me any verifications even though some of them are charged off I do n't know if they 're accurate or correct but they 're hurting my credit score.

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 2017-10-25 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
They have sued me in Washington Superior Court with out notifying me first of who the Original Creditor was. I am disputing the validity of this debt and request that all activity cease and desist. They never represented themselves to me. And they also have a class action lawsuit against them and I believe I am a part of this lawsuit because this loan was in 2004 and they are trying to collect on something that is not owed to them. They are violating 15 U.S. Code 1692f - Unfair practices Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) They have no legal right to collect on this debt since it was purchased between them and the creditor. I did not engage with this firm nor did I sign a contract to do business with this firm. They are not representing themselves truthfully and are extremely deceptive in their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
They call me over and over again trying to collect a debt .I have absolutely no contact with them. They continue to mislead and lie about the alleged debt. Was threatened to get sued.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I was deceived and bullied into default by wells Fargo Home Mortgage. 

I have sent so many complaints and all that is being done, is my information is sent to them. I would like to have assistance in suing them, I 'm not going to stop until they resolve this problem they created.

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 2017-10-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had my purse stolen in XXXX of 2017. I have all of my credit cards set up with automatic payments. It took me some time to go to my credit union and get the account changed since I was out of the country. One of the automatic payments for my Capital One credit card shows as being missed and that is not accurate. I called Capital one to tell them what happened, they told me over the phone that I would not be affected and I gave them the updated bank information and got caught up with my account. I did not miss any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I was told that I would receive compensation for an NFCU credit card account that I  settled back in 2014. I contacted NFCU today and was advised by the representative to contact the CFPB in order to get that redressed check sent out to me. I 'm not sure why this was n't resolved in my previous dispute. However, it needs to be corrected ASAP. I received a redressed check for an unsecured personal loan that I settled back in XXXX 2014 for {$5600.00}, but not for the credit card which I should have received a redressed check for as well. I keep getting the run around from NFCU and nothing is being done and I keep getting rerouted back to the CFPB. The only thing I want is the money I paid to be refunded just like the other money was totaling in the amount of {$6300.00}. I 'm not sure why this matter was n't thoroughly investigated as it should have been. I will be contacting the attorney general office in regards to this unresolved issue. I had to call in about the redressed check totaling in the amount of {$5600.00} because they did n't have it in their systems saying I was supposed to receive a check. However, I did because I was supposed to just like I 'm supposed to receive that check for {$6300.00} for the other debt that was settled. I just think everything was overlooked again and should be looked through thoroughly without cutting any corners.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I have a collection on my credit report from Williams & Fudge. I paid the school directly and I called the collection agency to get this out of my credit report and I have n't seen this remove. I have called them and left a message and sent them emails about this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: AL

Complaint narrative:
Experian continues to let XXXX XXXX XXXX XXXX put new negative information ( NP as of XXXX XXXX ) on an account that is clearly marked closed and was closed almost 2 and one half years. In XXXX I tried to handle this with the Bank and Experian. In XXXX I filed a complaint with YOU and Experian and the Bank. I was assured it would not happen again. On XXXX XXXX, XXXX Experian allowed XXXX XXXX XXXX XXXX posted a new NP ( Non Payment, the most harmful to credit score ) for the month of XXXX on the CLOSED ACCOUNT.. The loan was a V/A. Mortgage that I was foreclosed on. So XXXX XXXX XXXX XXXX was made whole to the tune {$60000.00}. grand and the V.A. bought the house at a price to make them whole and make about 10 Grand. Despite this XXXX XXXX XXXX XXXX has continued to harass me by making false claims on my Experian Credit Report and it appears Experian is in on the harassment.We lost personally over {$50.00} XXXX on this house. The V.A. appraiser and the seller were fishing buddies. The seller bought the house back after foreclosure for {$170000.00} and we paid {$240000.00}. We tried to get a HARP but XXXX XXXX XXXX XXXX  hired the same man to appraise the house. He did not want us to get a HARP so we could stay.

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 2017-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
At the end of XXXX XXXX I called in to discuss my account with a rep who worked with me and stated that I would get credited the fees and interest that had been charged. I was reviewing the account and submitted a question on this last month but have not heard a follow-up on this. At that time I had interest charges on my account of {$22.00} and the credit posted to my account was for {$15.00}. I was following up on the additional credits starting on XXXX XXXX and have had numerous follow-up messages. Because of the credits not being processed this caused me an additional late fee of {$25.00} on XXXX and two additional interest charges of {$0.00} on XXXX and {$0.00} on XXXX. 

I am looking for a total credit of {$25.00} late fee plus interest charges of {$7.00}. 

I have sent approximately 8 follow-up messages on this issue and have had nothing resolved.

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 2017-10-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I received a letter XXXX XXXX XXXX saying I was going to be placed in collections for money owed to XXXX, XXXX A MD, XXXX. i called on XXXX/XXXX/XXXX and spoke to a person by the name of XXXX. I explained to XXXX that I do n't know who this doctor is, that I never made an appointment with them, I did not sign any forms giving consent of treatment and that I want this company to send me proof that I did any of these things. She was very rude on the phone and told me that she would send me the proof. I have not gotten any proof but I did receive another letter saying I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Jonathan C. Frank & Associates, LLC
State: WA

Complaint narrative:
I am not positive on when my account was given to this company because I never received a verification of debt. They set me up on a payment plan in the amount of {$59.00} each month. I received a call from XXXX ( XXXX XXXX XXXX On XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that I have on file from XXXX XXXX Stating that my payment scheduled with them did not go through and it was a courtesy call. It stated in the message that if I did not get back to them by XXXX that my payment agreement with them would be forfeited and would then go back to the attorneys desk to go to the courts. I have also received many text message from the office stating A pending claim has been forwarded to our Law office in regards to your delinquent account. Please contact our office immediately to speak with a non-attorney representative at XXXX your account number is XXXX. Thank you I started to find this odd and even though I had been paying on the account I then asked if they could send a verification of debt which they insisted they would do it by email. After a few calls to them which unfortunately I do not have the dates for this they stated that they had emailed it and they verified my email was right but I still never got anything. When I asked from them to mail me it they said I need to contact the original creditor and they are not sure why I am asking now since I have been paying on the account so they would not mail it to me. Since they wont send this to me I have not felt comfortable making payments but they keep threatening court action on me stating I am glad you called because we are about ready to send you to our attorney. I also let them know I can not afford {$59.00} a month but then they will deny my payment because they only accept a minimum of {$59.00} a month.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-25 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: WA

Complaint narrative:
On XXXX XXXX I received a scheduled call from Navient and set up a one time payment of {$150.00} to place my accounts in a temporary forbearance. After recently checking my account, I quickly realized my account is still showing a past due balance now over {$1000.00} with an upcoming due date. Nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25 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: CA

Complaint narrative:
I have recently obtained a copy of my credit file and there are still many mistakes in my report. 
In fact, I have asked for the Verifiable Proofs for the below accounts : XXXX XXXX Account # XXXX XXXX XXXX Account # 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 2017-10-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The address that is showing is not mine as well as the phone numbers showing is not mine .... My correct address is XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ga XXXX and my correct phone number is XXXX which is not correctly reflected in this report ... I also noticed my middle name is spelled incorrectly please correct it with the information that is on my drivers license which is correct XXXX XXXX XXXX. I have tried unsuccessfully to get this information updated through the online system that they use.

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