vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
The short sale was submitted over 139 days ago and there is ju st one delay after another. First it took about six months for Shellpoint to " review  '' the file which by the time they issued an update it was  XXXX   XXXX  which they countered the buyer at {$240000.00}. This was after the fact the said the refuse to allow the VA buyer closing costs so we had to remove all but the escrow fee. On  XXXX   XXXX  we submitted a value dispute in response to the counter,  Shellpoint adv ised it would take UP TO 30 days to have a response. I called TWICE a week for updates. On  XXXX   XXXX  after the 30 days had passed I submitted a CFPB complaint, which was closed because the company finally responded on  XXXX   XXXX  stating the value dispute concluded with no change to the price expectations. the next day on  XXXX   XXXX  the buyer increased the offer. The negotiator  XXXX   XXXX  said it would only take a few days for approval. However, on  XXXX   XXXX  he said that despite being told that they would allow up to 12 months in hoa dues that because it is now a lien they wont allow anything. I was also told it will take another 30 days for the investor to approval the buyers request for the escrow fee to be paid, despite the fact they are financing with a va loan and this is mandatory. NOW they are delaying the file even more by ordering another appraisal despite the fact they h ave one on file from less than six  months. This file has been dragged through the dirt and completely mishandled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
The compan y Transworld Systems Inc. is a third-  party company that bought a collection from a company by the name of  XXXX   XXXX   XXXX . It was assigned on my credit report on  XXXX   XXXX ,  2017  for the amount of {$1500.00}. The company then lowered that amount to {$510.00} on  XXXX   XXXX ,  2017 .  Transworld Systems Inc.  is NOT a bonded third-party company in the state of Texas, therefore it is against the law to collect on a debt or report a debt to the credit bureaus. I contacted the company Transworld and asked that they verify information and was unsuccessful, Please remove from all   XXXX   bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE SENT CERTIFIED LETTERS ON  3 DIF FERENT OCCASIONS TO ALL CREDIT BUREAUS ( EQUIFAX,   XXXX    AND  XXXX   ) I N  REGERDS TO A LL INQUIRES THAT I HAVE SEEN ON MY REPORTS THAT I WAS UNAWARE AND HAVE NO RECOLLECTION ON DOING OR APPROVING MYSELF, UPON LOOKING AT MY REPORTS ALSO NOTICED ALIASES AND MY  NAM EIN  DIFFERENT FORMAT WITH ADDRESSES BELONGIN G TO CALIFORNIA AND TEXAS WH ICH I HAVE NEVER LIVED NOR VIVISTED IN MY LIFE! THERE WERE PHONE NUMBERS INCLUDED FROM THOSE AREAS TOO! I SENT A PERSONAL UPDATE AND THEY WERE ABLE TO HANDLE THOSE BUT DIDNT UPDATE MY BIRTHDATE THEY HAVE ME AS  XX/XX/XXXX   ,  XXXX   THOS E ARENT MY BIRTHDATE, MY BIRHDATE IS   XXXX   I FEEL THERE WAS FRAUDUALANT ACTIVITIES GOING ON AND LAST YEAR I REPORTED TO THEM ABOUT IT THEY WERE ABLE TO REMOVE  XXXX  ACCOUNT FROM   XXXX   BUT  LEFT A NOTHER  XXXX  IT ISNT MINES OR UNAWARE OF  XXXX   XXXX  FROM  XXXX   XXXX  THIS ACCOUNT ODESNT BELONG TIME AND I DISPUTED WITH ALL  XXXX  COMPANIES AND NOTHING YET! I AM CONCERNED, FRUSTRATED AND FEELING HELPLESS! To whom it  may concer n, I mailed a Multiple Inquiry Removal Letter on   XXXX   XXXX   XXXX   by certified mail in order to dispute information, in regards to  XXXX  hard inquiries, that was being reported on my credit report. They received the letter on   XXXX   XXXX   XXXX   and they completed the request on   XXXX   XXXX   XXXX  . The request that I submitted included  XXXX  Hard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FCR A 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it sta tes that any information can be disputed and MUST be investigated and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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: CA

Complaint narrative:
In   XX/XX/XXXX  I  reviewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a    XXXX   XXXX   bal ance. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and Equifax and   XXXX   verified the account.  XXXX  stopped reporting the account. Equifax and  XXXX  referred me to  XXXX . O n  XX/XX/XXXX   I  w rote my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have sent two other letters, ( one on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) s tating that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters. Equifax and  XXXX  continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to c ease all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. S ince this is now my  4th let ter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to the  C.F.P.B.,  what are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 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:
In   XX/XX/XXXX  I re viewed my credit report and a  XXXX  account that I did not recognize was reporting on my credit report as a charge off with a   XXXX   XXXX    balan ce. I was informed that I could get a loan with this unpaid charge off on my credit report. I challenged the account with the credit bureaus and   XXXX   and Experian verified the account.  XXXX  stopped reporting the account.   XXXX   and Experian referred me to  XXXX . On   XX/XX/XXXX  I wro te my first letter to  XXXX  asking for validation of the debt with information on the origins of the account, date opened, date of first deliquency, what was purchased and proof that I opened the account. I was concerned that my identity might have been compromised. I received a generic letter back from  XXXX  in essence stating that the account was charged off and that the balance is {$24000.00}. No information that ensured me that I opened this account or that it belongs to me. I would think that I would remember charging up {$24000.00}. For the record, I do not believe I did.     I have s ent two other letters, ( one  on   XX/XX/XXXX  and the other on  XX/XX/XXXX  ) sta ting that I believe that the  XXXX  account was opened without my knowledge or consent.  XXXX  has not responded to either letters.   XXXX   and Experian continue to report the account as a open charge off with balance from  XXXX .     It has now been 8 months and I wrote  XXXX  a letter on   XX/XX/XXXX  to cease  all reporting of this account for failure to send me needed documents to show how I have a financial obligation the  XXXX   Credit Cards. Si nce this is now my  4th le tter, I can not waste anymore time. I have given them 10 days from receipt to either to remove the reporting or send all paperwork that illustrates that this account is mine. I feel that  XXXX  is breaking the law by not sending me required information so that I can make an educated decision on what to do next. I feel  XXXX  is being punitive by not resolving the issue and that it is my understanding that they can not ignore my request to validate the debt or conduct an in-depth investigation if I feel I did not ope the account.     According to t he C.F.P.B., wh at are my rights as a consumer? I thought the burden of proof was on the furnisher on the data reported to the credit bureaus. Why is  XXXX  exempt in sending requested data to the consumer? I appreciate your efforts in helping me in this matter.

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 2017-05-11 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 — Problem with personal statement of dispute
Company: Grant & Weber
State: CA

Complaint narrative:
Since  XXXX   XXXX ,   XXXX   I have been struggling to remedy the effects of identity theft. Most of the fraudulent accounts I have been able to block successfully, however  one debt collection agency refuses to block the fraudulent accounts I have specified. Through certified mail, I sent them documents three separate ti mes supporting my position. I sent a letter identifying myself as a victim of identity theft and specified the fraudulent accounts, a  XXXX   XXXX  County police report, an FTC Identity Theft Affidavit signed by an officer, a copy of the credit report with the accounts indicated, a copy of my California 's Driver License, and a copy of an insurance statement as proof of my address. I have called  three times but I keep getting the run around, or have debt collectors s creaming in my ear until I have no choice but to hang up. They conducted an investigation, and failed to notify me of the results. They decided after reviewing the information on the reports, that the debt was in fact mine. But several of the accounts were opened while I was incarcerated in state prison, so they are wrong. I do n't know how to deal with this company and I need help enforcing the law, otherwise these fraudulent accounts will remain on my credit report.

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 2017-05-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On    XXXX   XXXX   2016 m ailed  3 forms to all  XXXX  bureaus Experia n  XXXX .  XXXX   XXXX   XXXX , TX  XXXX .  XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , PA  XXXX  with  2 forms of ID and a Utility bill. I have reviewed my credit report and found informatio n and accounts that I do not recognize that may be a result of Identity Theft. As such, I am exercising my consumer right to demand a full investigation immediately. According to the Fair Credit Reporting  Act, Section 609 ( a ) ( 1 ) ( A ), you are required by law to verify any and all accounts you post on a credit report, otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( a consumer contract with my signature on it ) you have on file of the account ( s ) listed below. These accounts are showing as late, and are incorrect. The following accounts need to remove the late showing immediately .   Name Of Account Account Number Please Provide Physical Verification   XXXX   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION   XXXX   XXXX    XXXX    UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX   XXXX   XXXX   UNVERIFIED COLLECTION   XXXX   XXXX    UNVERIFIED COLLECTION    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   UNVERIFIED BANKRUPTCY   XXXX   XXXX   XXXX   XXXX    UNVERIFIED BANKRUPTCY  I have not received any corresponding mail from Experian or  XXXX  regarding my request to To verify That these accounts belong to me.

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 2017-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I paid a medical bill for my son to  XXXX   XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX / XXXX  in the amount of {$350.00}. On  XXXX / XXXX / XXXX , I received a bill from a collection agency for the same amount. I have tried contacting the company by phone to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
In   XX/XX/XXXX , I along with thousands of others lost my house to flood waters. Since that time I have paid {$55000.00} out of pocket on repairs. After sending in information to the Carrington Loss Draft Department several times starting on  XX/XX/XXXX , I was just informed today,  XX/XX/XXXX , that one of the notarized documents is missing the property number. I have spoken  to a review board and several employees in t he Loss Draft Department over the course of the last month , and never was this  mentioned.I also found out that the documents were reviewed on  XX/XX/XXXX , the same day I was told that disbursement was requested. I was informed that I should call back in 24 to 48 hours for the details of my check. When I called they told me there was a problem with my paperwork that they received a MONTH ago. The paperwork will be updated and sent in the morning, but it takes 24-48 hours to update the system, then it take 3-5 days to review, then another 3-5 days to cut a check, then it goes in standard mail to arrive to the consumer within 5-7 business days. This process is ridiculous. For 9 months I have been displaced. Since Carrington b ought my mortgage in  XX/XX/XXXX  I have not missed a single mortgage payment. I feel as though this company is in breach of the covenant  of Good Faith & Fair Dealing. An Attorney is being contacted to see if there is anyt hing that can be done about this. Hopefully no one else has to go through this struggle after losing everything they own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
I do not have any type of contract with this company. I have tried to reach out to source receivables multiple times about this issue. Proper Validation has not been provided and several FCRA violations have been made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Card repre sentative called me today about an outstanding balance on  XXXX  credit cards that were opened with them on  XXXX / XXXX / 2016 . I informed him that I have no credit cards with  Discover and  have never applied for credit with them.. I did report as fraudulently  XXXX  credit card that was opened with  Discover  back in  XXXX . I informed them that I have a 7 year fraud alert on my credit so no accounts should have been opened without my authorization. They informed me that the card would be closed out immediately. However, after th e phone3 ca ll today I 've learned that they did n't close out the card and that there are  XXXX  additional cards opened fraudulently with Discover. Their investigations dept. refused to help me or give me any information as to how these accounts were opened and then kept open even after I informed them back in  XXXX  that they were fraudulent. In  XXXX  I was advised by   XXXX   to get a credit freeze since the lady whose stolen my identity has still been able to open up accounts despite my 7 year fraud alert. I assumed that this issue was over, but as of today I see that it is not. I need these  XXXX  accounts closed as fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On  XXXX   XXXX  I applied via phone for the Merrill Lynch Visa signature Card from Bank of America. I was told that I would receive a decision wi thin 7-10 days  by the phone representative and that I could check the status online.     Withi n two da ys the status online changed from pending to the following : " Congratulations, your credit card application has been approved! You will receive your credit card  within 7-10 days and the Welcome Package within 10 to 14  days at the address you provided. '' I also received a later within 5 days stating the same thing including a comment about having a {$5000.00} credit limit.     On  XXXX   XXXX  I received a letter stating the following : " We initially communicated to you that we approved your application ... After further review ... we 've determined that we 're unable to approve your request because you have a sufficient number of accounts with us '' I checked the website - which still indicates that I 've been approved. I called in to review the situation. I voiced my displeasure of being misled by Bank of America. I have had a checking account with the bank for over a year used appropriately. I have  XXXX  credit card accounts open with a total credit limit of {$13000.00}. I offered to move credit limit from my existing accounts or close an account period. The bank seems unwilling to do anything even though my resolution would address the specific denial reason/risk they identified.

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 2017-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CO

Complaint narrative:
I received a call from someone claiming to represent the  Professional Bureau of Collections of Maryland Inc. The y spoofed the number  XXXX  in an attempt to make me believe it 's a local call. They left a message saying they need me to call them back regarding a collection item, but my credit record does n't reflect a collection account. I have family members that may have a collection account and have been contacted before by other collection agencies that want contact information of a family member. Their call back number is  XXXX .

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation