vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 2019-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: IL

Complaint narrative:
Today XX/XX/XXXX I became aware that the student loan company I signed up with in XX/XX/XXXX was actually a third party servicing company who was not using my payments towards my loan. This came about when I tried logging in to XXXX XXXX online account and the questions for forgetting my password did not line up with any that I would have selected. I called XXXX and they informed me of a second email that was tied to my account that I didnt know as well as paperwork with blatant lies filed with them on my behalf.

Company response to consumer: Untimely response
Consumer complaint received 2019-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE FILED WITH FTC, I HAVE WRITTEN EQUIFAX 12 TIMES AT LEAST AND CREDITOR NEVER RETURNS MY CALLS NOR CORRESPONDENCE BY MAIL ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX  XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX {$94.00} not mine XXXX XXXX  IN XXXX not mine XXXX   XXXX XXXX XXXX {$280.00} not mine

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 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
It was brought to my attention that a closed charge off account that was charged off back in XX/XX/XXXX by XXXX XXXX was now reporting negatively as an open collection account. I am in the process of purchasing my first home and the underwriters wanted to know about the collection account that was reporting on my credit bureau from LVNV Funding LLC in the amount of {$640.00}. I called XXXX XXXX to have a letter sent to me stating that the account was charged off back in XX/XX/XXXX and they stated that they could not do so. Today, XX/XX/XXXX, I receive notification that I have a new negative remark on my credit report and to my surprise, LVNV Funding LLC is now reporting the account as " OPEN '' and that it is an active collection account, 3 years after the account was charged off by XXXX XXXX. This is delaying my ability to get my first mortgage and this company is not willing to send my last statement that I had with XXXX XXXX so I can provide proof that the account was charged-off. The reason for my complaint is because of this company 's deceptive and unethical reporting practices causing the once 3 year old closed charged off account as an open and active collections account. I would like for this " collection account '' to be taken off my report completely due to their manipulative, deceptive, and unethical ways of doing business and for not providing me with my last statement that I received from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: EQUIFAX, INC.
State: OR

Complaint narrative:
I have contacted Equifax repeatedly about an old account with XXXX XXXX The account has been deleted and removed from my XXXX   report due to XXXX XXXX inability to resolve the situation or to offer resolution .... Equifax is just as guilty as XXXX XXXX and they seem to be operating on some behind the scenes business partnership level .... I need this XXXX XXXX account removed from my credit report as per my XXXX report. This is causing my credit score to spike and drop every month. It is absurd! They also lost all my data to hackers and I submitted a claim for damages which they appear to be retaliating against!!! This company is the evil corp for the show XXXX XXXX  They will be remembered as an evil company. They should not exist! We do not need 3 credit reporting agencies, especially when this one is purposefully leaking our data on the internet to sell their services ... .. This has to be stopped!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
I HAVE WRITTEN XXXX AND I HAVE WRITTEN SUNTRUST, NO HELP WHAT SO EVER.. ITS SAD BUT THE BUREAU 'S AND THE BANKS HAVE TOO MUCH POWER,, WAY TO HARD TO CORRECT REPORTING MY WIFE AND I ONLY WANT TO BUY A SMALL HOUSE FOR THE FAMILY

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 2019-10-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
Today XX/XX/2019 I received a call from my father that structured settlement left  him a voicemail at our church stating this message is for XXXX father and to contact XXXX. He contacted them back and XXXX tells him Im bouncing checks and it now involves them. This is unacceptable on so many levels. Also I never received anything in writing from the company the first time they called me and told me it was from mountain summit I set up a payment arrangement however I then called the original creditor and the guy didnt know who bought the debt so I stop the payment and they continued to go in my account and now they call my church this is outrageous

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 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
In XX/XX/XXXX I received a notice of default on my mortgage from Ditech Financial. I called and was told that my escrow account was short of funds in XX/XX/XXXXand so my payment was increased as of XX/XX/XXXX by {$300.00} per month to catch up the escrow account. I told them that I did not receive this notice nor have I been receiving monthly statements. They checked their information and found that they had been sending the notices to the wrong address. I immediately started paying the new higher amount. The next month I received my first statement showing that they had misappropriated some funds and I was now exactly one month behind in my mortgage. When I called they said that because I paid on the XXXX for the next month, the funds went into suspense and were not applied to my payment. The next month - XX/XX/XXXX I received a notice of default. I called again to be told the same thing and that their automated system was messing up where the payments were being applied. Again, their fault and they would rectify it on their end. Somehow with this call they also changed me over to electronic statements and I did not receive a statement for XXXX. In XXXX, I got the default notice again. My husband spent 4 hours on the phone with them and got them to accelerate our issue to the next level of management. The date of that call was XX/XX/XXXX. Someone named XXXX at ext. XXXX. She waded through the whole mess and again told me that since I send my payments early, the system is not applying my money to the correct area. She took all of my information and said that if I paid {$98.00}, we could be back to up to date. They would take some of the funds in suspense and apply it to the payment, and would " borrow '' some of the escrow funds to pay back the approx. {$1200.00} of escrow fees late from XXXX - XXXX. She was going to call me back the next Monday, one week later, to verify that she had it all worked out. I did not submit the {$98.00} since the automated payment would likely get applied incorrectly. I was going to do that when she called me back. She never has. I have left 5 messages personally on her voicemail, my husband has left 3. My Mortgage statement shows us now a little more than one month behind and I have paid EVERY payment early. Is there any help I can get for this at all?? 

Thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IN

Complaint narrative:
LET ME KNOW AS TO THE REASON WHY THE XXXX XXXX ACCOUNT IS STILL APPEARING NEGATIVELY ON MY CREDIT REPORT. IT STATES THERE'S NO BALANCE AND IS FROM XX/XX/2014 WITH LATE PAYMENTS OF 90 DAYS. NO ACTION HAS TAKING PLACE IN REGARDS TO ALL THE ATTEMPTS I HAVE PURSUED TO REMOVE THIS NEGATIVE ACCOUNT MY MY CREDIT REPORTS. IT IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: TX

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT**** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT**** )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-16 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: IN

Complaint narrative:
LET ME KNOW AS TO THE REASON WHY THE XXXX XXXX ACCOUNT IS STILL APPEARING NEGATIVELY ON MY CREDIT REPORT. IT STATES THERE'S NO BALANCE AND IS FROM 2014, WITH LATE PAYMENTS OF 90 DAYS. NO ACTION HAS TAKING PLACE IN REGARDS TO ALL THE ATTEMPTS I HAVE PURSUED TO REMOVE THIS NEGATIVE ACCOUNT MY MY CREDIT REPORTS. IT IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES.

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 2019-10-16 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: IN

Complaint narrative:
LET ME KNOW AS TO THE REASON WHY THE XXXX XXXX ACCOUNT IS STILL APPEARING NEGATIVELY ON MY CREDIT REPORT. IT STATES THERE'S NO BALANCE AND IS FROM XX/XX/2014, WITH LATE PAYMENTS OF 90 DAYS. NO ACTION HAS TAKING PLACE IN REGARDS TO ALL THE ATTEMPTS I HAVE PURSUED TO REMOVE THIS NEGATIVE ACCOUNT MY MY CREDIT REPORTS. IT IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES.

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 2019-10-16 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: TX

Complaint narrative:
I HAVE WRITTEN EQUIFAX AND I HAVE WRITTEN XXXX, NO HELP WHAT SO EVER.. ITS SAD BUT THE BUREAU 'S AND THE BANKS HAVE TOO MUCH POWER,, WAY TO HARD TO CORRECT REPORTING MY WIFE AND I ONLY WANT TO BUY A SMALL HOUSE FOR THE FAMILY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: GA

Complaint narrative:
I was a victim of identity. And due to the identity theft I fell behind on my auto payments. I fell behind 27 late payments but now I am current and ahead of my scheduled payments. And I only have 7 more payments left on my auto loan and the late payments are making it hard for me to get a house or better job or even auto insurance. The account is mine, however when I became a victim of identity theft I wasn't able to keep up with the payments and as of right now I am ahead of my payments and I am all caught up and make it on time payments. I really need those late payments taken off that was due to identity theft. The criminal is now in custody and I informed XXXX XXXX about the situation and they are not willing to abide by the identity theft affidavit or police report. Thank you in advance. 
I was late XX/XX/XXXX to XX/XX/XXXX and the payments were $ XXXXmth The second company was XXXX and was late only 3 payments. 
I was late XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 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: IL

Complaint narrative:
Credit bureaus are continually reporting derogatory accounts and inquiries that have been contested as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I bought an HVAC system from Lowe 's using their store credit card. There was a 0 % interest offer for 12 months ; I told the salesperson I would only purchase if I would get this offer, because i Intended to pay it monthly. I was repeatedly assured I would have a 0 % interest for 12 months. 
first statements show 0 % interest, but then it that was changed to 27 % interest which I only realized three months later. I often work very long hours on XXXX XXXX and do not have much time to check if the terms of a contractual agreement have suddenly been changed. I called Lowe 's credit card company, went to the store several times, I showed all the documentation where 0 % interest was written, yet I was told that they could do nothing to fix this because I had been given a discount. A discount I never asked for. 
Apparently if the customer gets a 5 % discount, it precludes the 0 % interest offer ; I was never informed of this or asked if this is what I wanted. This is a very deceitful practice, very wrong.

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 monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
On XX/XX/26 I was notified by the XXXX XXXX working on my house closing that their was a lien against me. Therefore, the XXXX XXXX paid the lien with my extra from closing costs. 
However, I settled with XXXX XXXX for {$1900.00}. XXXX XXXX relief has made 4 payments to them ( XXXX XXXX ). The XXXX XXXX paid them {$2100.00}, which was more than my settlement. Simple math tells you that you should take the amount of settlement and subtract those 4 payments. Levy LLC says I'm owed nothing. Wont release information to me and wont tell XXXX XXXX XXXX Account is paid in full so XXXX   XXXX XXXX stops paying them. The lien is still not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
received frequent calls. I told them the debt was settle out of court by their lawyer and that they need to contact their lawyers. they still call my home and they file a false report with credit bureau saying the account was delinquent. i have proof the account is up to date in payments. the payments are made directly to their lawyer as agreed upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I applied for two mortgages with Bank of America. I fully disclosed by situation to the loan officer. I let them know my income ( b/c I am commission based ), assets, other rental properties, the rents I was collecting and what showed on my tax return. They even received a copy of my statements and tax returns. 

I was applying for 2 rental property purchases using a portfolio loan. From doing other real estate transactions ( I already owned 6 properties and have done numerous refinances ), I know that utilizing a portfolio loan can be tricky with their guidelines. So as to save time and headache I wanted to be fully transparent with the B of A loan officer. 

The loan officer told me the loans could be down and started the application. He took my deposit for the 2 appraisals which totaled nearly {$2400.00}. After all was said and done they came back with numerous guideline issues on my application. They said that for portfolio loans they would only allow up to 4 financed properties and that a ton of the rental income could not be used b/c I rent out the properties on XX/XX/XXXX.

I was declined for the debt to income and too many financed properties guidelines. After I spoke with the loan officer regarding a refund for the appraisals since they submitted my application without knowing their own internal guidelines. I would have never paid the fee if I knew that these were guidelines and would have asked them to speak to an underwriter first before proceeding with the application. 

Also, I ended up doing the loan with Guaranteed Rate and their appraisal fees were half at XXXX for the same appraisals. 

I am requesting the B of A reimburse me the appraisal fees since they are taking applications and charging consumers without their loan officers understanding their own internal guidelines. 

Any help would be appreciated. I have made over 10 phone calls to the loan officer and his managers with no call back regarding this. 

XXXX XXXX NMLS ID XXXX Loan officer XXXX XXXX XXXX XXXX XXXX XXXX Thank you

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 monetary relief
Consumer complaint received 2019-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have been trying to get a loan modification and the servicer, Mr. Cooper, has been giving me the runaround. I've had to send the same documents over and over. Now, they are saying they have the documents, however, they can't do anything because the sale date is now less than 37 days away. Mr. Cooper started asking for proof of occupancy. I have given them utility bill 's, tax returns, bank statements. Then they asked for a luxury bill, I don't know why a luxury bill would be better than all of the above mentioned items. Nevertheless, I provided it. Please help me save my home. I've done and provided everything I was asked for in a timely manner. 

Thank your for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation