vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is incorrectly reporting me as an Authorized User on the XXXX  - partial account number XXXX. ( Please see page attached from my credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  and XXXX. I have contacted the bureau to remove this item however, I have not been successful. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from 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 2019-10-11 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: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-11 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
I bought my home in XXXX. I had a hardship and had to modify my loan in XXXX. XX/XX/XXXX i refinanced. XX/XX/XXXX HUD sent a letter saying i owe them {$30000.00}. 


I contacted Freedom Mortgage and they said the title company XXXX title XXXX ) was at fault. So i contacted the title company and they pointed the finger at the mortgage company. Ultimately the mortgage companys insurance rep contacted me and stated Im at fault and i need to pay. 


I had no idea until HUD contacted me that there was an issue. Im thinking with underwriting and the entire process someone shouldve caught this.

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 2019-10-11 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 — Their investigation did not fix an error on your report
Company: World Acceptance Corporation
State: TX

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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 — Their investigation did not fix an error on your report
Company: Diversified Consultants, Inc.
State: TX

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
On XX/XX/2019 I filed a dispute with XXXX for merchandise that I did not receive. The visa card is issued through Goldman Sachs and is called XXXX XXXX. The company stated it would issue a provisional credit while it investigated the claim. A month later, no credit has been applied to my account and the dispute has not been resolved. I contacted the company on XX/XX/2019 and was told that a technical error occurred that had delayed the processing. The company then further stated that it had resolved the dispute and issued the credit. This is false, The funds and transaction are both missing from my account, and I am unable to use my card for any purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank closed my accounts ( 2 - Costco Anywhere Visa and Citi ThankYou Preferred Mastercard ) without my knowledge. As part of this closure, that have advised " We respectfully decline to reintate the Costco Cash Rewards and Citi ThankYou Rewards that were forfeited due to the closure of your accounts ''. I had over {$200.00} YTD for the Costco Cash account and over XXXX+ points on my Citi ThankYou Rewards. I had been accumulating the ThankYou Rewards for nearly 20 years. I did not close my account ; so I therefore did not forfeit my rewards. If they are choosing to close my accounts, they should first allow me to redeem my rewards. Those were earned irrespective of how they are deciding to handle our relationship going forward. ( On a side note : their reason for closing my accounts is also under dispute and will be a separate complaint ).

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 2019-10-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
Today XX/XX/19 I received an email from NewRez stating my mortgage payment is handled by them and my payment is due XX/XX/19 ... .I never received any correspondence from the original loan servicer ( XXXX ) stating they sold the loan. My paperwork from XXXX that I signed says my first payment is due XX/XX/19 ... ..I called NewRez ( which was recorded ) and they are telling me my payment is due XX/XX/19 which is totally incorrect.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hi, I had a XXXX XXXX credit card with a small balance of roughly {$600.00}. The balance was not mine and used by the ex husband to credit debt for me so I would struggle as time marched on - we call this fraud. 

Subsequently, and conveniently, my identity was stolen forcing to close my accounts and put stop payment on bills - one of which to XXXX XXXX for this balance. The debt collector, several years later, still had the payment owed on my credit - even after attempts to clear this balance in the divorce. 

I called to settle the payment issues and explained my circumstances with the abusive ex husband and identity theft issues to which the woman said Im not sure why your calling - you have a XXXX  balance. She sent me a letter stating I had a XXXX balance with a balance summary showing a XXXX balance. 

Now, almost 5 years later, the item is still sitting unpaid on my credit and when I call they state that I lied and never paid it. 

No one in their office ever said or did that and I must be making it up so I dont have to pay. And then raised her voice at me to intimidate me into paying the bill which I previously called to do almost one year later and was told it was cleared.

I feel this is an abuse of power and need my credit cleared up so I can a ) have a home b ) support my families needs c ) be a reliable consumer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX US bank I called because I could use my account the forward my call to someone name XXXX saying that on the notes it say to forward the calls of that account to her she told me I had to wait that they where going to call me back.Never got a call back On XX/XX/XXXX I called left couple of msg she didnt answer or called back called the branch they say they could help me On XX/XX/XXXX I called left a voicemail to XXXX she return my called she just say that the branch decided to closed my account to wait 30 day after my account is closed for them to mail out a check with the amount On XX/XX/XXXX received a letter that the account was being closed. 

On XX/XX/XXXX I called the branch say the account closed on XX/XX/XXXX that to give 1 to 2 weeks to receive the check. 

Its been already more than a month and now they just forward my calls to one and to another person and its getting stressful that I havent receive no check. 

On XX/XX/XXXX called customer service a person with the name XXXX told me that a check with the amount of XXXX had to be mailed already And havent hear nothing or received nothing and I just fell US bank is not helping 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 2019-10-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX XXXX, Ocwen Loan Servicing, and XXXX have wrongful foreclosed on me and harassed me since XXXX. I have written CFPB several times about these companies and XXXX doesn't reply due similar allegations with other lawsuits they were fighting at that time. But now however they did respond back to the Alabama Attorney Office for the same complaint I had written to CFPB. Today XX/XX/XXXX I was served with notice to move out immediately and I'm going to comply. But for the record, I want them to know, the world needs to know they are doing the same under handed things they being doing, which causing them all to be suited several times and they still having learned anything. XXXX IS NOT SLEEP AND XXXX XXXX, OCWEN, XXXX HAVE ALREADY BEEN DEFEATED, IN XXXX NAME! I will get my settlement from them. Somebody is going to hear me, because I have young children in my house. 
They received the proof from my insurance company and have spoken with them. I have the deeds to my home! I did a mortgage modification in XXXX and they are not saying anything about, almost like them have pushed under the table ... .why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Walmart is currently transitioning from XXXX XXXX  to Capital One. On the first day of the conversion, several days after making my payment ( payment was made XX/XX/2019 ; E-mailed received XX/XX/2019 ) I was e-mailed an electronic letter stating that my payment was returned. The account used to make the payment does not show a returned electronic check. With the system being down I can not access my account. When I called, the representative told me that nothing could be done until the conversion was completed on the XXXX and that " Capital one may remove your late payment or they may not. You'll have to advise them of the situation. '' Obviously, this is unacceptable and unfair to me and any other Walmart store card customers. I want this record on file so that I can dispute the late payment status. I was not notified quickly enough nor was I given the opportunity to resolve the situation, if it even actually occurred, which is yet to be known because no one can tell me. 

The account statement, which is attached, reflects a payment sent on XXXX from the bank, but the payment was made on XXXX. It reads " XX/XX/2019 WM EPAY   WALMART CC WEB - {$65.00} ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
Mr. Cooper ( formerly Nationstar ) did not provide 15 days notice before transferring the servicing of the loan to XXXX XXXX XXXX XXXX XXXX . Prior to this they made false claims regarding our payment history and refused to provide information in relation to a making home affordable loan modification. A qualified written request was sent to them and delivered on XX/XX/XXXX, to address these issues. 

We have requested detailed information regarding the servicing of this loan since XX/XX/XXXX to the present to determine what the accurate principal balance should have been at the time of the transfer of servicing on XX/XX/XXXX, and what amount should be in the escrow account. Nationstar failed to respond to that QWR and we are notifying the new servicer of the existing problems with the servicing of the account. 

We have documentation to demonstrate the failure of Mr. Cooper to address our concerns regarding the application of payments to the proper accounts ( principal balance and escrow ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: CO

Complaint narrative:
Professional Bureau of Collections Maryland , Inc. 
Phone # XXXX This company contacted my workplace yesterday ( XX/XX/2019 ) and asked to verify my employment, along with other personal information. The receptionist did not answer their questions. 

I have NEVER heard of this company and they have not directly contacted me in any sort of way so I assume this must be a scam. I also looked up the phone number and it was nothing but people commenting on it being a scam. 

I called the number back later last night and they asked me to confirm the last four of my social security number. I let them know that I did not feel comfortable giving that information out to an agency I've never heard of before. She then asked me to confirm my billing address. Again, I told her that I didn't feel comfortable giving that out and asked if she could provide the street number they had on file for me to make sure it was legitimate. She couldn't give me that information so I immediately hung up out of fear of this being a scammer. 

Is there any way to look into this? If I owe debt, I'd like to take care of it. But I don't think this is legitimate or real in any way.. I appreciate your help. This is such a scary feeling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
This account is one that I have been fighting with XXXX XXXX college for sometime now. It is from Classes that their counselor enrolled me on for fall XXXX after I told them that my financial situation has changed and I will have to work instead of going to school. The counselor put through the online enrollment despite me telling her not to leaving me with a bill for the classes. I had sent in petitions and letters to the school informing them of the error but each time their financial department pretended that they received nothing and then proceeded with sending me to collections. 

I tried to explain to them numerous times that had I intended on enrolling these classes I would have filled out a BOGG waiver as I had done for every other semester. The fact that I out of nowhere stopped filling out financial aide when I am a single mother of two should have been enough for the financial department to at least investigate and work with me on a solution but they just kept ignoring me. 

The first letter I received from Conserve, XXXX XXXX XXXX, was in XX/XX/XXXX It was the typical letter giving me 30 days to dispute before it hit my credit. I sent in my letter of dispute explaining this situation and informed them I would like any further contact via written letter so that I can keep it for my records since the college kept trying to dodge me and I was left with no proof. They never responded. I waited the 30 days as allotted by law and when I didn't hear from them and when they did not respond I relaxed figuring that they had removed the account due to my dispute. However, they did not. They ignored my dispute, waited a few months ( maybe hoping I would forget that I sent in a dispute letter within the legal amount of time? ) then reported the account to Credit Agencies for {$180.00}. 

I disputed this account back and XXXX and they did not report on my Credit report until XXXX. 

I started receiving several phone calls with from XXXX and have ignored all of them due to my request for all info to be in writing. 

I disputed VIA my credit report as soon as I saw it and they finally responded in the mail. But what they sent me was only proof that the counselor had enrolled me online and that I had applied in school in general. They did not acknowledge that they did not respond to me original dispute and proceeded to illegally ignore it and report me to credit anyway. They also marked this dispute as resolved and the dispute is not resolved. 

I am reporting the agency for reporting to credit while ignoring my legal right to written dispute. As well as harassing me via phone after being requested that there be no phone calls.

Company response to consumer: Closed with explanation