vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXXXXXX XXXX XXXX is Reporting my XX/XX/2018 Payment to Transunion and XXXX  as 30 days late. This is not correct. The payment was made on XX/XX/2018. XXXX XXXX XXXX also sent a letter saying they made a mistake and would change this status from 30 days late to Never Late. I also filed a dispute with Transunion and XXXX. Both credit Bureaus said the 30 Days late for XX/XX/2018 would remain the same. 

XXXXXXXX XXXX XXXX sent a letter to me on XXXX-18 stating they would update the records to reflect the XX/XX/2018 being paid on time within 30 days. See attached letter.

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 2018-11-29 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:
They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX  which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX  which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my 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 2018-11-29 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: FL

Complaint narrative:
They are reporting a company I have never seen or had any interactions with called XXXX XXXX XXXX I previously had a fraud alert on my credit report and currently have a identity theft form and documentation on file as well as a police report. I never had an account with this company or any companies attached to them and this is negatively affecting my credit. I also have a XXXX XXXX account which has been paid and has not been updated. Also a XXXX XXXX which was paid and I currently have an account with them with the same account number yet it is still reporting negatively. There is also an account named XXXX XXXX, XXXX which I do not recognize and have never done any business with this company and never had an correspondence prior to this showing on my 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 non-monetary relief
Consumer complaint received 2018-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION
State: UT

Complaint narrative:
I opened an account with zions bank around XX/XX/2018. The first issue was that a mobile check deposit that was given to me as a birthday gift for XXXX had been rejected. I had called customer service to ask why, and she said that since I was a new customer that I was unable to deposit checks. The funds cleared a few days later. Around XXXX, I had a payment for a credit card payment for XXXX bounce with no notice. On Wednesday the XXXX, I had went to the XXXX XXXX branch to attempt to close my account. The Teller said I had a block on my account and didn't know why. She was able to call someone in the back office to get the funds released. I ask her to close the account but she was unable to nor was she helpful at all. On XX/XX/XXXX, I logged in to my online banking and see that the XXXX is apparently still there when I took it out on Wednesday!

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 2018-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I have attempted to have this debt as a result of Identity Theft removed from my credit several times over the past year with this company and they refuse to honor my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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: NV

Complaint narrative:
I have a fraudulent account listed on my Exprian report that was previously removed 3 times in the past. XX/XX/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 non-monetary relief
Consumer complaint received 2018-11-30 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:
BANK OF AMERICA N, A. Today how true it's become, there's nothing in the Laws of Protecting the consumers with home mortgages during only the choices of the lenders and the servicer decision and times of transfer. There seems only question How BANK of AMERICA can walk away after 15 yrs of paying them on time, monthly in full, and year to date. I have been set up to be forced into a unnecessary fore closer of BANK of AMERICA choice of timing to sell my loan, Since this has become to be a dog eat dog situation now without understanding how this is all possible with ( NOT ) having My original loan documents in hand to understand, If the truth of increases of payment are TRUE, Today,? I smell a big FAT HUNGRY RAT here.? With the viewing of there last statement at the end of XX/XX/2018 there statement reads my Interest only loan is over XX/XX/XXXX and also within my terms of my loan, ( IV'E STILL BEEN DECLINED ) in asking for a copy? Also in the terms of My loan the interest rate stayed the same for a period of a year So let 's add 1.25 % to My XXXX interest rate and make it 5.25 % also effective XX/XX/XXXX..that might also increase the payment, ( YOU THINK ) it doesn't take rocket scientist to explain with paying interest only for the past yrs and adding a higher interest rate with Of coarse Principle also on XX/XX/XXXX your NEW grand total DUE AS your Monthly payment went from affordable yes maybe if i was working at this time, TO GOOD LUCK BETTER FIND A JOB LOSER YOUR payment are NOT GOING TO BE AFFORDABLE NOW AT XXXX.. So loser thats paid B OF A as on time, monthly for 15 yrs, calls to say I need help B of A? Send the forms, print them from On line as available, Sure the next day I do .Wait for answer, nothing in there, system, send again,, THE LETTER CAME, there walking papers of saying your loan has been sold, transfered, as of the most exciting day of XX/XX/XXXX,? ( loser ) is right NOW WITH DOG EAT DOG, Iv'e been thrown out to Have the XXXX Basically finish me off with biting my head off as been forced to pay the {$3700.00} new payment as late with running to understand how this has? yes TRUE sending me a late payment AND saying know they haven't received a payment for XXXX thats cleared as my bank tells me today has,????? new letter today says i owe them for two months here WE GO {$7600.00} IN TWO DAYS THATS WITH LATE FEES INCLUDED THANK XXXX,? SURE NO PROBLEM, is THIS REALLY THE WAY THE BANKING WORLD HELPS TODAY, YES ALL TRUE, Thank you XXXX XXXX ( LOSER ) watcha going to do now, THERES NO LAWS TO PROTECT YOU? Intention of B of A UNNECESSARY RELATION OF UNNECESSARY FORE CLOSER TO PROFIT OF MY CONTACTING FOR HELP TO BAIL OUT AND WALK?

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 2018-11-30 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: EQUIFAX, INC.
State: MO

Complaint narrative:
On XX/XX/18 XXXX/XXXX  XXXX reported late payments onto my credit file in era. On XX/XX/18 XXXX/XXXX  XXXX send in a request to Equifax reporting agency to remove the late payments from my credit file. " Please see the inclosed complaint response from your organization, which has responded to and closed '' After XXXX/XXXX XXXX sent in an updated request to the credit reporting agency " Equifax '' to delete any and all late payments from my credit file by XXXX/XXXX XXXX, They did just the opposite and kept it on there. Equifax intentionally refused to delete inaccurate information from my credit file. By law, it is the responsibility to report accurate information on the credit file by Equifax credit reporting agency. My request is that Equifax do their job properly, and report accurate information to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: NJ

Complaint narrative:
This is not my account! The previous company, XXXX XXXX advised me that they were not able to verify the debt. Instead of it ending there, they sold this fraudulent account to someone else who NEVER contacted me. This is a fraudulent account and it was placed on my credit report under deceptive means! Remove it now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I have been struggling to pay my mortgage due to a financial downturn and tried working with the lender to no avail. They canceled a modification they offered due to an error and would not help. 

But worse -- which is why I am now filing this complaint -- is that on XX/XX/2018, the Illinois Hardest Hit Fund approved the underwriting of my application for financial help and they contacted Nationstar to start the process for Hardest Hit to pay off the arrearage owed. It has been over a month, however, and Nationstar has STILL not responded to Hardest Hit to resolve this matter! I have called Nationstar almost daily since XXXX to get the status on this and the customer service people keep telling me they cant see anything in their computers and that the only department that can, internally, has not responded to the customer service operators ' " escalation '' emails to them. So customer service just keeps emailing this department, over and over, to no avail. 

I keep getting new bills from Nationstar/Mr. Cooper, going higher and higher, with skyrocketing attorneys fees, but NOTHING about this Hardest Hit payoff approval.

Today, when I again called, Nationstar/Mr. Cooper gave me the same story and also told me they are SELLING the loan to XXXX XXXX on XX/XX/XXXX!!! This is unbelievable. A total scam, they are trying to run out the clock to take my home. Why have they not responded to Hardest Hit of Illinois to get the back balance paid off and end the foreclosure?!?!?! Their sale of my mortgage to another company will now only delay things even further and jack up attorneys fees even higher!!!!! 

I think what Nationstar/Mr. Cooper is doing, not timely responding to Hardest Hit, and then surreptitiously transferring the loan in this fashion, must be illegal. 

Any help you can provide, ASAP, is much appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cascade Collections, Inc.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Today I got a email from Experian. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is 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 non-monetary relief
Consumer complaint received 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Today I got a email from XXXX. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is 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 2018-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Today I got a email from XXXX. That a company named XXXX XXXX this is identity theft never opened this account never delt with them. They need to take this off. This account is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I OBTAINED A 30 YR. FIXED MORTGAGE LAST XX/XX/XXXX. THEY INSISTED ON COMBINING MY TAXES AND INSUR. WITH MY MORTGAGE PAYMENT. I HIRED A TITLE COMPANY & THIS COMPANY RESEARCHED & OBTAINED THE CORRECT TAX FIGURES & SUBMITTED THAT INFORMATION TO WELLS FARGO. I HAVE PAID ALL OF MY MORTGAGE PAYMENTS ON TIME & PRESUMED THAT ALL WAS WELL. ON XX/XX/XXXX I RECEIVED A NOTICE FROM WELLS FARGO THAT MY ESCROW ACCOUNT HAS A SHORTAGE OF {$640.00} & THEY ARE INCREASING MY PAYMENT FROM {$480.00} TO {$560.00}!!! I WAS SHOCKED & BEGAN WONDERING " HOW COULD THIS HAVE HAPPENED? ". I HAVE SPENT COUNTLESS HOURS ON THE PHONE WITH WELLS FARGO, THE TAX OFFICE OF XXXX COUNTY, PA. & THE TITLE COMPANY & HAVE SPOKEN TO LITERALLY DOZENS OF PEOPLE. I HAVE BEEN LIED TO SEVERAL TIMES, BEEN GIVEN FALSE INFORMATION, AND MANY CONFLICTING STORES FROM DIFFERENT PEOPLE. HERE IS WHAT I HAVE DISCOVERED AS BEING WHAT ACTUALLY TOOK PLACE. ON XX/XX/XXXX XXXX XXXX XXXX SENT A TAX CERTIFICATION TO WELLS FARGO INFORMING THEM THAT THE SCHOOL DISTRICT TAX AMOUNT FOR THIS PROPERTY IS {$1300.00}. THEY ALSO SENT THE OTHER TAXES & THE AMOUNT OF THE MORTGAGE INSURANCE. 
AFTER I RECEIVED THE PAST DUE NOTICE & BEGAN MY INVESTIGATION I HAVE DETERMINED THAT WHEN WELLS FARGO CALCULATED MY ESCROW AMOUNT, THEY ENTERED AN AMOUNT OF XXXX. AFTER MANY DISCUSSIONS WITH MANY PEOPLE, THE ONLY STORY THAT I CAN GET FROM THEM IS THAT PERHAPS WELLS FARGO THOUGHT THAT MAYBE ... POSSIBLY ... MIGHT BE A CHANCE OF ... ... ME BEING ENTITLED TO SOME DISCOUNTS ON MY TAXES & I GUESS THAT IS WHY THEY MADE UP THAT AMOUNT. FOR WHATEVER REASON THEY ENTERED THIS AMOUNT, THAT IS OVER {$300.00} SHORT, THEY HAVE MADE MY ESCROW ACCOUNT FALL INTO DEFAULT & SHORT OF PAYING WHAT IS REALLY DUE. THEY MADE UP THIS AMOUNT EVEN THOUGH THEY WERE GIVEN THE CORRECT AMT. I WANT THEM TO CLOSE MY ESCROW ACCT. & LET ME HANDLE IT MYSELF AND THEY ARE REFUSING TO DO THAT. SINCE THIS WAS A MISTAKE THAT THEY MADE, & I AM NOW SUFFERING, I WANT THEM TO ALSO ABSORB THIS SHORTAGE AND CLOSE MY ESCROW. THEY HAVE MISMANAGED THIS RESPONSIBILITY AND CAUSED ME HARM IN THE PROCESS. AN EMPLOYEE PROMISED ME 3 TIMES THAT IF I WOULD PAY A PORTION OF THE PAST DUE AMT. HE WOULD CLOSE MY ESCROW. I PAID IT THEN HE SAID HE COULD NOT DO IT!!!!!!!! NOW THEY ARE TELLING ME I HAVE TO WAIT ANOTHER YEAR. I AM SURE I WILL BE MET WITH THE SAME XXXX  IN A YEAR. THEY CAN MAKE AN EXCEPTION TO CLOSE MY ACCT. THERE ARE MANY SIMILAR COMPLAINTS PUBLISHED WHEN YOU SEARCH FOR " WELLS FARGO ESCROW SHORTAGE ''

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 2018-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA

Complaint narrative:
In XX/XX/XXXX VA made a contract with a veteran for a loan. The loan is made in VA 's and veteran 's names. According to the contract, Special Warranty Deed is to be issued upon full repayment of the loan in veteran 's name only. The loan was paid off in XX/XX/XXXX but the last servicer of the loan Carrington Mortgage Services has been unable to produce Special Warranty Deed because Property Transfer Tax is required by the county to record a deed. Property Transfer Tax was never filed when VA transfered the deed to XXXX XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. XXXX XXXX XXXX was the servicer of the loan before Carrington.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I have an account sent to collections in the amount of {$490.00} that was paid off in XX/XX/2016. I was advised by my lender to call the number provided NCC Business Services, he told me they should be able to remove this from my credit record and if they do not comply then I should file this complaint. I called the telephone number provided XXXX. They told me they couldn't do that, that " it's not what they do. '' It was shown to me that having that remark removed from my record would raise my credit score significantly. It has been a major inconvenience for me as my family is trying to purchase a house. I would really appreciate this issue being resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
I have owned my condo for ten years now and faithfully paid expenses related to my home such as mortgage, property taxes, Homeowners Assoc Fees, and homeowners insurance policy. Last year, XX/XX/2017, my mortgage had a balloon payment become due and Lender stopped accepting my payments. I did not qualify for a refinance through an outside Lender source and found myself caught in between a rock and a hard place. Meanwhile, I had some medical expenses and fell deeper in financial hardship. 
Ultimately, I have been denied mortgage assistance until I consulted with a Foreclosure Prevention Advocate. The advocate and I contacted my Lender and I was advised that mortgage assistance is a possibility. However, there seems to be a question of whether the Lender has 37 days prior to the sale date to process my request. 

We are told it is up to the XXXX XXXX XXXX ( a XXXX XXXX Trust ) whether or not to postpone the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NRA Group, LLC
State: MD

Complaint narrative:
On XX/XX/2018, I received an alert from XXXX XXXX saying that a collection was added to my report. When I looked on my report I saw National Recovery Agency. I never received a notice to dispute the debt, which I am suppose to receive one.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Opened a credit card account with Wells Fargo in XX/XX/XXXX AWSOME bank by the way ended up closing the account in XX/XX/XXXX and payed off in full after closing. Pulled my credit because now I do XXXX XXXX and I see its reporting still and also has a late payment which is stoping me from getting loans with my company because of the late payment and it still reporting after being paid in full.

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 2018-11-30 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: Medical Data Systems, Inc.
State: ME

Complaint narrative:
XXXX XXXX XXXX is using MEDICAL DATA SYSTEMS to report a negative account for the amount of {$360.00} dated as opened XX/XX/2018. I have been unsuccessful in communicating with both agencencies XXXX  and XXXX that this debt does not belong to me, i did not open or sign this account, it has not been properly verified as accurate as i was not ever at XXXX XXXX XXXX and I have never been serviced or obtained a debt from XXXX XXXX XXXX therefore MEDICAL DATA SYSTEMS needs to cease collection of this account.

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