vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Directors Financial Group
State: CA

Complaint narrative:
OnXX/XX/XXXX we started process of a reverse mortgage. This was to be a ZERO ... .NO COST LOAN. NO PMI, NO APPRISAL, NOTHING. Only amt. borrowed. {$270000.00} We were XXXX around, apprisal was ordered on XX/XX/XXXX. On XX/XX/XXXX appraisal was done. Apprisal was completed & signed off on XX/XX/XXXX.  Loan approval XX/XX/XXXX. We signed loan docs on XX/XX/XXXX. With disbursement of our closing, settlement payment on XX/XX/XXXX. Today is 3 months, 1 week later. We have benn fighting to get our money back. The loan officer says the owner would call us, claiming HUD was double payed the PMI. We had to be patient, I kept calling, kept emailing, same old story. Mortgage co.ower never called until XX/XX/XXXX. 2 months after our settlement date payment passed. He actedXXXX, like he had no clue what was going on. Like I was XXXX, or lying, or or loan office was XXXX, lying or did something wrong. Promiseing to email me all his info for our attorey as call ended. NEVER HAPPENED. Had to again dog our loan officer. The owner calls, lies says he called, emailed me. That he was now not sure if there was a legal way to do this. He now needed my attorneyes number. I said I want my money, only want my money, no more lies, no more XXXX. I DO NOT TRUST YOU, YOU ARE A LIAR. DO NOT CALL ME AGAIN. ONLY CORRESPONDENCE BY EMAIL. Everything in we ] riting only. I filed a complaint with Calif. Business Office. I still keep hearing I need time. Then the loan officer said the owner wants you to sign a letter of finincal hardship to get our refund, the he wrote up. And we will sign a release on my state complaint. I said we wanted any additional costs, intrest on our money todate of payment. Total on XX/XX/XXXX. For a refund to us of {$15000.00} YUP .... WELL NOTHING SINCE. I TOLD them today this was FRAUD. I had signed contracts. I have multiple emails. The loan officer spoke to my finincal planner who thought were were mistaken. I gave them until XX/XX/XXXX by XXXX. Them I was hiring an attorney and they would have those bills too. I am a XXXX Sr. Citizen. My husband was laid off last winter. Which is why we did this Reverse Mortgage to BE ABLE TO HAVE NO PAYYMENT. MONEY TO LIVE ON. I suffer from XXXX XXXX XXXX XXXX. The XXXX of this is causing a huge amount of XXXX on me, my husband & my marrige right now. My husband did NOT WANT TO DO THIS BUT WAS GUARANTEED WE WOULD HAVE NO COSTS. He is on me daily. I am at my witts end. Please can you help us get our Settlement costs refund?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 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: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the Equifax, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: VA

Complaint narrative:
In XXXX XXXX I returned a rental vehicle to XXXX at XXXX XXXX in XXXX, Virginia. The signs at this location are very poorly marked. Additionally, it was the end of the day and some of the " standing '' signs were being moved, causing additional confusion. I mistakenly drove over the spikes which damaged all XXXX tires on the rental vehicle. I took pictures of the signs at the location and I have been trying to discuss this problem, as well as present the pictures to someone who understands the dangerous driving conditions and will acknowledge that XXXX caused the damage. 

I have received several phone calls and letters from Viking Client Services who will only state things such as " this is a debt '' and " you are responsible for paying. '' Although I always request to speak to someone else and to do whatever is necessary to get this problem transferred to someone who can understand what really happened, I just receive more collection requests, similar to the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and TransUnion consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile.
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns.
1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 2017-09-26 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: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, Experian and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 
Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX/XXXX XXXX, account number XXXX ; 2. ) XXXX/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; 4. ) Bankruptcy, case number XXXX. 

Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.
Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

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 2017-09-26 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: SC

Complaint narrative:
On XXXX/XXXX/XXXX I submitted a complaint with my police report showing I have been a victim of identity theft. There were several items taken off of my credit including inquiries that I did not authorize. In XXXX of XXXX I received notice that Equifax had experienced a data breach and information was compromised. On XXXX/XXXX/XXXX I pulled my credit report to qualify for a home loan and a account from XXXX XXXX XXXX was located on my credit report. I have called all 3 credit bureaus as well as XXXX XXXX to resolve this issue. I have faxed over police report and findings and these credit bureaus have refused to remove these derogatory items. I also noticed that I have a inquiry from XXXX XXXX XXXX which I also did not authorize. There is specifically a note on my account that advises credit can not be pulled without my authorization and that has not happened. I truly feel like my right as a consumer under the FCRA have been compromised. Please look into this matter immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient has added and removed my student loan from my credit report. It reports negative XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This caused my scored to drop almost XXXX points. Now it shows improved account went from derogatory to current XXXX. There has been no change in status if this account. It was in forbearance due to me having XXXX. The agency does not consistently report the account. The information is incorrect and they are not fairly reporting it. As my score increases or when an inquiry comes in they seem to report it as derogatory but then make an adjustment showing its current without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX XXXX of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.
Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the XXXX District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) Chase/XXXX XXXX, account number XXXX ; 2. ) Chase/XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX, account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate.

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review.

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: FL

Complaint narrative:
This complaint is submitted for consideration as I have not received a response to my recent letter reference erroneous entries contained within my consumer credit profile at the XXXX, XXXX  and XXXX  consumer reporting agencies. These entries as currently reported are erroneous in nature and otherwise injurious to my true credit worthiness. Prior to initiating litigation in the United States District Court for the Southern District of Florida, I once again request assistance. Should my complaint continue to be ignored, I will seek counsel and initiate litigation to compel correction of my consumer credit profile. 

Pursuant to the provisions contained within sections 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ) ( i ) of the Fair Credit Reporting Act, I request that the below listed entries be investigated for accurateness and thereafter deleted from my consumer credit profile as they are erroneous in nature and otherwise injurious to my true credit worthiness. Since my last dispute, I have written to all collectors/creditors. Most of these creditors have responded favorably. Please investigate ALL of my concerns. 

1. ) XXXX  XXXX, account number XXXX ; 2. ) XXXX  XXXX, account number XXXX ; 3. ) XXXX XXXX XXXX account number XXXX ; Please be reminded that pursuant to the provisions contained within section 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, your agency has an affirmative responsibility to investigate my allegations. Furthermore, following deletion and/or correction of the erroneous entries, said information may not be reinserted in the file without a certification that said the information is complete and accurate. 

Upon completion of the reinvestigation process, and pursuant to the provisions contained within section 1681g ( c ) ( 1 ) of the Fair Credit Reporting Act, I request a full and complete summary of rights with disclosure be provided for my records and review. 

Your anticipated cooperation on this matter is appreciated. I look forward to hearing from your office within the next 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Have sent over information inregards to inquiries that are n't mine. Not only did I mail them I faxed the same information over to them. I also disputed a few accounts and spoke with someone in the US handling department inregards to this same matter with the inquiries. I also have a bankruptcy that keeps coming back verified. I contacted XXXX XXXX  which I am not located in their systems. I have contacts transunion several times with these issues and nothing has yet to be done. I have also asked transunion for written proof of verification and was told they do n't have any. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Inquires Transunion XXXX XX/XX/2016 XXXX XXXX XX/XX/2016 XXXX XXXX XXXX  XX/XX/2016   XXXX XX/XX/2016

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 2017-09-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Broward Adjustment Services
State: FL

Complaint narrative:
I received a letter from a collection agency ; XXXX XXXX. They say that I was placed into collections for a medical bill from the XXXX hospital. Right away I was confused because I have not been to XXXX in ten years or that hospital ever in my life. XXXX hospital never sent me any bills or notices saying anything. I live 80 miles away from XXXX also. The bill XXXX XXXX sent me was in a name I did not go by at the time they are saying the bill was made. Also I made a BBB complaint against XXXX hospital and they first said this is a mistake and now they are saying they have my signature and ID but are not producing any of this information to me. You know why? They do not have it that 's why. What they do have that blows my mind is my social security number and my old name and old address which leads me to believe that someone from this hospital stole my identity. For the record I have been on XXXX even at the time this bogus bill was created so why would I have any medical bills in the first place? It 's common sense these people are not right they are covering up their misconduct.

Company response to consumer: Closed with explanation