vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 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:
XXXX  ; XXXX and Transunion are reporting an unsubstantiated claim by XXXX XXXX  XXXX XXXX Apartments a collection in the amount of {$3100.00} partial account number XXXX. ( Please see page attached from my credit report. ) I vacated the apartment complex within the terms of lease. I did not renew the lease. Prior to leaving, I spoke directly with the property manager and returned my keys. I asked specifically if there were any additional items that needed to be addressed and I was told there was nothing else ; I was told I would be getting my full security deposit back ; and I remember them wishing me good luck as I left the main office. It was only until I obtained a copy of my most recent credit report did I discover there was a collection. I was not aware of any collections or money owed to the apartment complex because I never received an itemization. In fact, I never had any communication from them. I do not now, nor did I in the past, have any outstanding debt with XXXX XXXX  XXXX XXXX Apartments. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-12-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting an unsubstantiated claim by XXXX XXXX XXXX XXXX Apartments a collection in the amount of {$3100.00} partial account number XXXX. ( Please see page attached from my credit report. ) I vacated the apartment complex within the terms of lease. I did not renew the lease. Prior to leaving, I spoke directly with the property manager and returned my keys. I asked specifically if there were any additional items that needed to be addressed and I was told there was nothing else ; I was told I would be getting my full security deposit back ; and I remember them wishing me good luck as I left the main office. It was only until I obtained a copy of my most recent credit report did I discover there was a collection. I was not aware of any collections or money owed to the apartment complex because I never received an itemization. In fact, I never had any communication from them. I do not now, nor did I in the past, have any outstanding debt with XXXX XXXX  XXXX XXXX Apartments. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from 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 2019-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/2019 I went to the Golden 1 credit union bank atm to deposit money. I am not a customer of golden 1 but I am with XXXX XXXX XXXX and frequently use that ATM for deposits. I accidently put my XXXX XXXX XXXX EDD debit card into the ATM machine and proceeded to make a deposit of $XXXX. The machine kicked out $XXXX, I assumed because it was wrinkled.  It gave me a receipt, and I walked back to my truck, then realized i left my card in the machine. Upon walking back up to the atm I noticed a large amount of money going back into the machine. I grabbed my card and then noticed that I'd used the wrong card, looked at the receipt and saw that it said that my transaction had been canceled.  I went into the golden 1 bank showed them the receipt and told them what happened.  They told me they couldn't help me unless b of a sent them a Regulation E form. XXXX XXXX XXXX said they have no record of the transaction and therefore will not send the form. I have been on the phone with both companies back and forth for over a week and no one will help me resolve 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 monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I attempted multiple times to correct an error in a closed account that was reported to the three credit monitoring agencies. After opening an account at a different bank, I used the remaining balance and threw the debit card in the trash. This was apparently picked up and then used multiple times without my knowledge. Transactions that never should have been approved were up and until the amount exceeded $500 in charges. Final bank statements are included in this complaint. The overdraft fee dsclosure that clearly shows me opting out of overdraft services is attached. And finally, the bank's own disclosure regarding overdraft fees in which it states "if we do not authorize and pay an overdraft, your transaction will be declined" is include, meaning by its own admission, none of these purchases should have been authorized at all. Yet they were and then were reported to the credit agencies.The bank is in violation of 12 CFR § 1005.17, in violation of our contractual agreement regarding overdrafts, and in violation of its own stated policies. This debt is illegitimate

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
My home mortgage was transferred(unknowingly to me) to Mr Cooper. Since the transfer they told me that my auto pay would not transfer from my old company. During this time my old company, XXXX XXXX, took the normal mortgage payment out of my bank account. Mr. Cooper then began asking me to make a payment. I told them that XXXX XXXX already took the payment from my account. Mr. Cooper then told me that was okay and they would get the payment from XXXX XXXX. I then received a phone call a few days later from Mr. Cooper. They told me that my auto pay had transferred from XXXX XXXX and that my auto payments would start in XXXX  as my XXXX  payment had already been paid to XXXX XXXX. On XX/XX/19 Mr. Cooper sent me an email saying they had taken my mortgage payment out of my account. I called them and they said it was just normal business and they would try to fix it, but I was not allowed to speak with a manager or get anything in writing saying that they would fix it. They then told me that if I don't want to be double charged then don't use their auto pay. I have been calling trying to find my money and speak with a manager, but I have not had any luck yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: AL

Complaint narrative:
Over a year ago I reported to transunuion that a company I had a loan with reported a late payment incorrectly I submitted to both my bank info showing pmt. The loan was pain in full XX/XX/XXXX. Again this month they reported another late pmt XX/XX/XXXX I made 2 pmts that month so far from late. They have wrecked my credit score its dropped over 100 points Ive had credit limits lowered bc of this incident they failed to investigate after I requested by certified mail as well as the company that reported it being wreck less and careless and I want to sue both companies now XXXX XXXX and transunion. They have carelessly changed their minds 4 times over this first it was XXXX then XXXX then XXXX now XXXX again so there is no way at all transunion investigated anything I sent them certified mail.

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 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
i have been a victim of identity theft and have been working on this for several months. I have been disputing an account on my credit report from a XXXX/XXXX with Equifax and have sent several certified letters. They keep stating that this account has been verified which it cannot be verified when its not mine. i am now to the point of a lawsuit agaist them if its not deleted. Please HelpXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently looked over my credit report and I noticed some inaccurate accounts reporting on my credit file. These derogatory accounts do not belong to me and I have no knowledge of these accounts. I have no understanding of how or who would have access to my credit. Now because of this, I have no chance of obtaining new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: NE

Complaint narrative:
Received loan modification on home loan in XXXX. Applied for heloc loan in XXXX. Title search by XXXX XXXX XXXX XXXX. XXXX. XXXX . Showed no second lien in XXXX, but in XXXX showed second lien from XXXX. XXXX XXXX XXXX said sorry we missed it in XXXX. Is my loan modification legal? It was a federal loan program. Second lien is from XXXX which sold loan to Ocwen which sold loan to XXXX which sold loan to PHH mortgage. Thought XXXX loan was part of my bankruptcy settlement. Obviously it wasn't. Tried to negotiate settlement with Ocwen in XXXX after paying many thousands of dollars, as they suggested and I submitted a 50 % payoff. They called that night and refused to negotiate and said they were going to add interest and penalties of almost half the loan amount. Now PHH mortgage says I owe much more than I borrowed. Would have let House go in XXXX if they would have said anything about second lien. Now I spent more money on improvements. Not sure what to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: FL

Complaint narrative:
In XXXX of this year I disputed several Items on my credit reports and sometime at the earlier part of XXXX, they all came back as verified accurate reporting. I'ts been several months since then and curiosity set in. I decided to look into my legal rights as a consumer and exercise them. In the month of XXXX I requested that Transunion, XXXX  and XXXX  inform me of how they verified the information on my credit reports and request a re-investigation of the disputed items. They have failed to provide the necessary documentation within the proper time frame and have not removed the items in question. As of XX/XX/2019 I gave two of them a phone call before making this report, to see if the items were removed and both Transunion and XXXX  stated they are still investigating my dispute. I explain to them i'ts past the 15 day time frame and under the FCRA rules and regulations this is illegal. They also claim the public record was verified accurate by the courts but I've obtained information in writing they don't give out information to the credit bureaus.

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 2019-12-11 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 — Was not notified of investigation status or results
Company: ERC
State: OH

Complaint narrative:
Enhanced Recovery inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report on XX/XX/2019, I noticed this inaccuracy and immediately sent a letter to Enhanced Recovery. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 

To date, I have yet to receive any correspondence from them. My certified receipts reflect that they received my dispute. They have not provided any documents that bear my signature nor have they provided the original delinquency date nor a complete accounting of the alleged debt. 

The first violation is that ERC inserted this unverifiable, inaccurate entry on my report without providing me the any time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. ERC must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for a XXXX XXXX account, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? 

Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$660.00}? This number is arbitrary and lacks veracity. Enhanced Recovery is refusing to respond to my request, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
**This is a continuation of CFPB complaint XXXX that was not completely resolved** The Escrow account on LoanCare mortgage XXXX is not accurate. 
The annual taxes are {$1800.00}. During XXXX LoanCare made County Tax Distributions on XX/XX/XXXX {$930.00} AND XX/XX/XXXX {$1800.00}, which has caused an escrow shortage due to this over distribution. 
I talked with the XXXX County Tax division and they did not receive a payment of {$930.00} on XX/XX/XXXX. Where is this money? 
I've left 3 messages for XXXX XXXX at LoanCare Office of the Customer ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and he has not called back.

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 2019-12-11 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: BB&T CORPORATION
State: AL

Complaint narrative:
Over a year ago I reported to XXXX that a company I had a loan with reported a late payment incorrectly I submitted to both my bank info showing pmt. The loan was pain in full XX/XX/XXXX. Again this month they reported another late pmt XX/XX/XXXX I made 2 pmts that month so far from late. They have wrecked my credit score its dropped over 100 points Ive had credit limits lowered bc of this incident they failed to investigate after I requested by certified mail as well as the company that reported it being wreck less and careless and I want to sue both companies now Sheffield financial and XXXX. They have carelessly changed their minds 4 times over this first it was XXXX then XXXX then XXXX now XXXX again so there is no way at all XXXX  investigated anything I sent them certified mail.

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 2019-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Home Loan Center, Inc.
State: PA

Complaint narrative:
Applied for personal loan with company stating to be Lending Tree. Ultimately approved loan for XXXX but wanted me to buy gift cards with money they were to deposit into my account for credit insurance. They have my drivers license and SS number. XXXX is the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Unfortunately. I am a victim of identity theft.

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 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
harris and harris has called seveal times and left messages wanting to collect a debt from the previous owner of this telephone number that they have on file. i have called them back several times to explain that the number they are calling was given to me by XXXX XXXX when i signed up for sevice as we had to get a new phone number with the service, and the person they are looking for does not live here. they get ignorant about it and just hang up, and keep leaving messages.the phone number for harris and harris is XXXX can you help me!?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I HAVE AN  ACCOUNT WITH BANK OF AMERICA; I PAID XXXX DOLLARS TO THE XXXX XXXX COMPANY. I ENROLLED IN ONLINE BANKING TO FOLLOW EXPENSES, THE XXXX  BALANCE SHOWES A POSITIVE AMOUNT THEY CHARGED 9(XXXX$) XXXX DOLLARS IN FEES. THE BANK OF AMERICA ON XX/XX/19 INFORM  ME THAT SOME TRANSACTIONS ARE NOT SHOWING. TODAY I STILL HAVE A HOLD $XXXX. NOW I'm IN A FINANCIAL CRISIS BECAUSE MY ACCOUNT WENT NEGATIVE AND MY  MONEY IN THE ACCOUNT STILL PENDING. THE BANK OF AMERICA  KEEP CHARGING OVERDRAFT FEESPLEASE HELP ME TO CORRECT THIS ISSUE AND GET MY ACCOUNT CURRENT AND POSITIVE !!THANK YOU FOR TIME AND CONSIDERATION                                                                                 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 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: DE

Complaint narrative:
I received a statement dated XX/XX/19 stating my payment was $XXXX, I then received a statement dated XX/XX/19 stating my payment would be $XXXX. I called for clarification on XX/XX/19 and spoke with XXXX  he explained something about an escrow shortage of $XXXX and a rec. Corp fee of $XXXX   which came to a total of $XXXX. Although it wasn't explained clearly and I had to pull teeth to get an actual number, I paid  the total of $XXXX escrow and fee shortage. I then receive a statement on XX/XX/19 showing my payment is $XXXX and the $XXXX payment is showing on the statement as unapplied funds. I called again on XX/XX/19 and was told the $XXXX payment was applied to the mortgage, instead of an escrow payment even though the check clearly stated escrow and rec. corp payment on the check. I then received another statement dated XX/XX/19 stating my payment is $XXXX. I still haven't been able to speak with someone who can tell me what my next payment will be and why?

Company response to consumer: Closed with explanation