vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: RESIDENTIAL HOME FUNDING CORP.
State: NJ

Complaint narrative:
Dear Banking & Insurance Rep, Im writing in regards of loan from Residential Home funding, Corp, RHF Number XXXX. 
I filed a previous report back in XX/XX/2018, which was answered by the President Mr. XXXX XXXX. I have attempted to contact him over the most recent issue ; which is extending to the previous issue already cited inappropriate contact with the Contractor without consultation with myself ( Lendee ). Upon reaching out to him by phone, he answered and said hed call me back in an hour. After several hours, I followed it up with a phone email, where he asked that I give him a chance to discuss it. Thus, upon attempting to do so, my calls were automatically directed to voicemail, which mailbox is full and can not accept message. Yes I had to change my number unexpectedly, but email has ALWAYS been more feasible ( see email upon request ) This is resulting in filing a complaint. I have put him and his associates numerous times for this misconduct and unethical behavior, yet they repeatedly attempt to deviate and NOT inform me of issues or concerns. Now I am being ignored just as before. 
At this point, I dont believe there is relief adequately and thereby effecting them from such repeatedly abuse of the contract or law and/or policies. 
This needs to STOP. They must deal with me directly, Ive ALWAYS been responsive quickly and deal with concerns as they arise through my email, therefore, they did not attempt to contact me until after I raised the issue once again after finding out they talked with the Contactor unwilling to me. 
I have closed on the house in XX/XX/2018, however, still need to seek the finalized of the 203K program final draw. I dont need anymore interruptions or issues arising due to their neglect and misuse of their power over my loan and/or processing of such finalization. 
When is the Banking and & Insurance or the Consumer Financial Bureau going to actual fine or enforce them to STOP doing this misconduct? 
Please get back with me immediately. See below information. 
XXXX XXXX | Vice President of UnderwritingResidential Home Funding Corp. 
XXXX XXXX XXXX, XXXX XXXX |XXXX , NJ XXXX Thank you in advance. 
XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: ERC
State: TX

Complaint narrative:
I never open a account with XXXX its shows reported incorrect in my credit report pls remove from my credit history asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed for bankruptcy in XX/XX/XXXX when I was forced to close my business. My bankruptcy has since been cleared from all of the National Credit Reporting Bureaus, however, XXXX XXXX continues to report an adverse item of information by using verbiage in a comment field that states Reaffirmation of debt. Although accurate, reporting this adverse item of information directly violates FCRA 605 ( a ) ( 5 ) that prohibits reporting of Any other adverse item of information which antedates the report by more than seven years. 

I initiated dispute with Trans Union and XXXX XXXX XXXX in XX/XX/XXXX and have continuously disputed this item for over a year. The account in question was for an auto lease that was paid in full ( early, XX/XX/XXXX ), never late, never derogatory. I requested and received two documents from XXXX XXXX stating this truth and sent these via certified mail to TU along with a dispute letter. 

Because of the comment furnished by XXXX XXXX XXXX, Trans Union extrapolates, derives, and expands on this information to include, but not limited to the following : Trans Union has and continues to report the account as derogatory in direct violation of FCRA 605 ( a ) ( 5 ) cited above.

Trans Union continues to report a bankruptcy on my consumer file in violation of FCRA 605. [ 15 U.S.C. 1681c ] that states " ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 
As a consequence of this adverse reporting, Trans Union has and continues to furnish a credit score that is 30-40 points below scores reported by both XXXX and XXXX. 
By furnishing this adverse information in violation of the FCRA, I will attest that both Trans Union and XXXX XXXX XXXX together have failed to comply with the purpose and the spirit of the FCRA in whole that states the following : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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 2018-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: GA

Complaint narrative:
Recently I noticed an outstanding debt on my credit report from an account I have no knowledge of. This account appears to be from a line of service through XXXX XXXX and now has been placed on my credit as collections. I have never had service through this company nor have I extended my personal information to obtain services either. This account states that it was open back in XXXX of this year 2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: CURO Intermediate Holdings
State: TX

Complaint narrative:
I never open a account with XXXX its shows reported incorrect in my credit report pls remove from my credit history asap

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Blue Brick Financial LLC
State: CO

Complaint narrative:
I have been receiving multiple pieces of mail every week to refinance my mortgage for years. Having recently paid off my mortgage, I am no longer in need of the service and I have started calling each company to have me removed from their mailing list. Most companies have stopped sending me mail, but one still persists - Blue Brick Financial, XXXX # XXXX, CO XXXX # 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 2018-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: E*TRADE BANK
State: MA

Complaint narrative:
ETRADE Bank owns my second mortgage.This was discharged in Bankruptcy in XXXX and from XXXX to XXXX it was protected by the injunction in Bankruptcy.ETRADE has been illegally trying to collect the debt through its servicers of XXXX XXXX.Other illegal collection efforts had been orchestrated by XXXX and XXXX all trying to collect a debt owned by ETRADE and discharged in Bankruptcy. 
I complained to the current servicer XXXX XXXX XXXX ( XXXX  ) and they said its not their fault or responsibility.ETRADE sends it back to XXXX as the servicer so its a circle where the owner of the debt can have a servicer make illegal efforts to collect the debt and when caught, change servicers and say they are not responsible.ETRADE should be held accountable and according to the CFPB compliance bulletin on mortgage servicing transfers they are.I am including some of the illegal written efforts to collect debt discharged in bankruptcy along with evidence of ownership of the debt and letters from XXXX and to ETRADE Bank.ETRADE is trying to absolve itself of responsibility and should be held accountable, otherwise they will continue this practice of illegal debt collection while switching servicers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I would like to report the Bank of America account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by Bank of America itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.

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 2018-08-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Early this year I noticed a capital one card opened up on my report that I never possessed. The card was maxed out immediately and has remained on my credit for the past couple of months. This account appears to be frivolous due to the fact that I have never obtained an open line of credit with Capital One bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 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:
I would like to report the XXXX  XXXX XXXX account # XXXX reporting in my credit file. This account is under the name of " XXXX XXXX '' and DOES NOT BELONG ON MY CREDIT REPORT! MY COMPLETE NAME IS XXXX XXXX and not XXXX XXXX. I am not who this account should be reported under. I did not open this credit card. It is either, I am a victim of a MIXED-UP FILE ERROR either by the bureaus or by XXXX  XXXX XXXX itself or this is Fraud. In any way, this account does not belong to my credit file and would like to request to completely remove and be blocked from reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
A year ago in XXXX I received multilple offers on a credit card that I recently had to continue on a program of 0 % interest. I walked into the bank to talk to a representative about this offer that seems too good to be true. They told me that it was a great promotion and also recommended that I open a second card with a 0 % interest as well to help consolidate debt from other cards. I did as advised which also meant maxing out the new credit card and taking the remaining balance as pocket money. 

Months ago I noticed that all the payments I have been making have barely made a dent in my balance. I called to discuss these insane interest charges on a charge that I dont use. The representative on the phone told me about these interest charges and I explained that I was told there wouldnt be any. She insinutated that I took money out and pocketed it when I explained I was advised in all steps to do as the financial advisor at the bank told me to do. She was no help to me and berated me for my debt. 

I still accure charges of interest on purchases without purchasing. These charges are 50 % of my payments made and are creating more debt. I was falsely mislead in their promotion and thought I was being advised in the direction of debt relief. I have never had a more debt accruing credit card in my history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
Our mortgage was transferred from XXXX XXXX XXXX to Carrington Mortgage. We had started a home modification with XXXX XXXX XXXX and, in XXXX when the transfer took place, we were two months behind on the mortgage but all that was left was to be approved by the underwriter. 
A month later, we've had no contact from Carrington Mortgage except for them to request the same information we'd already submitted to XXXX XXXX XXXX. We finally get that fiasco straightened out and they set up the modification for our home loan. We were told that we'd make a payment in XXXX, XXXX and XXXX and be able to skip the XXXX payment and start again in XXXX. 
We dutifully make our payments and, suddenly, now we're being told that we have to continue making payments until the modification is approved by the underwriters. This is on top of our credit report now showing we're 90-120 days behind on our mortgage which has impacted our daughter 's ability to obtain financial aid for college this year. 
To make the situation even better, after making our required three monthly payments, in today 's mail we received a notice of Intent to Foreclose. I understood that any foreclosure action was put on hold while the modification process was ongoing. Apparently, Carrington Mortgage 's vision and mission statement involves lying to their customers. We were told multiple times that we would be able to miss the XXXX payment, only to be told that we need to continue making payments until the underwriter approves the modification. We started out being two months behind on our mortgage only to end up with our credit report showing we're 90-120 past due because Carrington and XXXX  XXXX XXXX couldn't communicate which not only impacted us, but also our daughter 's college aid. We were told foreclosure actions would be on hold while the modification was going only to receive an Intent to Foreclose. 
Absolutely nothing we've been told by Carrington Mortgage has happened the way they assured us it would. This modification was almost finished with XXXX XXXX XXXX in XXXX and it's XXXX and we're still trying to get this completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In 2017, I submitted a request to have my loan payment reduced. My payment before processing my income driven payment was {$300.00}. Once they completed my request they increased my payment to {$360.00}. The application clearly state in so many terms that if the change does not benefit me they would not change my payment. This is just an example of my experience dealing with Nelnet, they do not have the customer 's best interest at heart. 

When I tried calling back to discuss this with various people, I was told so many different answers, I do not trust them. I called so many times different dates last year. When I did speak with a supervisor, they could not justify why my payment was increased. I just found out how to file a complaint the reason for the delay. Nelnet need to be held accountable for their unfair business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: ME

Complaint narrative:
On XX/XX/XXXX XXXX XXXX took over my mortgage from XXXX XXXX. I had try to re-modify my loan with XXXX XXXX  and XXXX and both broke there contract with me. On XXXX XXXX I went to court against XXXX and agreed on a deed in lieu foreclosure. I had agreed to XXXX dollars and 90 days to vacate. When XXXX found out in XX/XX/XXXX I was granted sole ownership of the home in a divorce settlement and my former wife 's name was on the note that said she had to sign a quick claim deed, I stated I didn't know where she lived- plus for 1 year starting in XX/XX/XXXX during our separation the money I gave her weekly to pay XXXX bank the mortgage. She didn't for 1 whole year and the house went into foreclosure without me being notified because she didn't want me to get the home. When a foreclosure sale date of XX/XX/XXXX was set, XXXX was caught lying to me saying that now she didn't have to sign anything. I called HUD and made a complaint and the sale was canceled. I have been waiting for a hearing to get XXXX, I am XXXX. In XX/XX/XXXX they transferred my mortgage to Caliber homes. I explained my long dispute and should be getting XXXX within 6 months. In XX/XX/XXXX XXXX. sold my loan to XXXX XXXX XXXX .They called for a auction sale XX/XX/XXXX I received notice in the mail XX/XX/XXXX.I called and talked with Caliber and they sent me forbearance paperwork. The same day someone else from Caliber called and denied me-without explanation. I I have a hearing for my XXXX on XX/XX/XXXX and the bank or mortgage company will not allow any more time for me to get my money and re-modify my home loan of 23 years.I worked at XXXX XXXX  XXXX XXXX in XXXX XXXX, Maine for 26 yrs. I became XXXX in XXXX. I was married XXXX yrs this bitter devastating divorce put this whole thing in motion. They want to sell asap because they know they will make a bundle off my misfortune. they all lied, broke contracts and was severely penalized by our government for these illegal business practices and are still doing it, I worked my whole life for this home and they just want another quick buck. I love my home and my land, I am grateful for any help in holding them back for just a month longer to re modify. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was doing my budget for the month and saw three charges for XXXX dollars ( totaling to {$250.00} dollars ) for XXXX gas stations. Two charges occurred on XX/XX/XXXX ( at XXXX EST ) and XXXX EST ),  while another charge occurred on XX/XX/XXXX. When I saw the charges, I immediately called Chase and told them that my debit card had been stolen and that it was used frauduantly. They told me they would put a credit back onto my account and would do an investigation. On XX/XX/XXXX I received a letter telling me my claim had been denied. I called Chase again and they told me that because I had logged in before to check my balance and since the card was inserted into a gas pump that I was liable for the charges. I argued with them and told them that I was asleep at the time. I have GPS from my phone showing that I was 15 miles away when the charges happened. They told me, " It's most likely fraud, but we are not reimbursing you. '' I filed a police report shortly after and then called the XXXX stations that were involved. They told me that they would not reimburse me, but that they would give me the number of the managers. When I called the managers I was informed that there were {$170.00} dollars that were bought of diesel gas at the pumps. I do not, nor have I ever owned, a diesel vehicle. I called again and the same run around. I was told they would reopen the claim but would not take into account the following items : GPS records, police reports, or receipts of the items. They told me that the only other option was to handle this matter in other ways. When I asked if that meant taking them to small claims court, they responded, " That is one method ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-09 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: GA

Complaint narrative:
I submitted a dispute on XX/XX/XXXX via online dispute process in order to dispute 8 hard inquiries that are being reported on my credit report. The request that I submitted included 8 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, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states 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 2 days after the receipt of my dispute, 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 could display 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. the following inquiries i need removed below i have included the dates according to XXXX XXXX confirmation number from original dispute XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation