vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
We sold our home on XX/XX/XXXX. Flagstar Mortgage was by law supposed to refund our escrow balance of over {$5000.00} within 30 days. We contacted them on XX/XX/XXXX and found out that the check had been mailed to our former address, and was not forwardable. They agreed to re-issue the check. We contacted them again on XX/XX/XXXX when we still had not received the check, were again told they would re-issue the check, and that we would receive within 3-5 business days. We contacted them again on XXXX when we still had not received the check, and spoke to a Supervisor. We asked him to wire transfer the funds directly to our checking account ; he said he could put a stop payment on a check he said was issued on XX/XX/XXXX, but that we would then have to wait another 2 weeks for them to make sure that this check did not clear, before they could accommodate us. He suggested we wait another 24 hours to see if the check showed up. I told him I would do this, but that this would be my last phone call before taking action against his firm if the check did not show up. It did not show up again today.

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 2019-12-03 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
i have a issue with the school charging me a fee fo a class i took and they got paid for it. I also dispute the company reporting this false debt to the 3 credit bureau, so i want to exercise my rights of the FCRA act. this debt or traNsaction can not be shared with these agencies due to the FCRA act rules. 

I want this debt removed from my credit bureaus and the debt charged off and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XXXX XXXX, I traded in my XXXX " XXXX '' valued at that time by XXXX being {$7000.00} for a XXXX XXXX XXXX leaving me in debt with PenFed of XXXX. After hiring a Power of Attorney and falling into financial hardship, I have discovered that I was manipulated, bamboozled, and hoodwinked and through fraud I was pressured into signing paperwork and doing something I would of not done if I was instructed properly.That 's if I knew the law, had an Attorney, or knew my rights as an American. I was legally incompetent at the time I signed the " Finance Agreement/Contract ' and didn't understand what I was doing. If I had realized what I was doing and as my Lawyer told me was not an " Infant '' when I traded my " XXXX '' I would of not wisely went {$20000.00} into debt. I fill I have been exploited, mistreated and manipulated into believing the deal for my XXXX XXXX XXXX would be a better deal. I want to renegotiate the Retail Installment Contract with my Power of Attorney, and I request a New Deal. 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 explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
On XX/XX/2019 I received a call from Transworld Systems , Inc. attempting to collect a debt for XXXX  XXXX  in XXXX, SC of roughly {$300.00}. I told the representative that I did not have a debt with them as I paid off my final bill in XX/XX/2019 after I had moved out in XXXX of 2019. The representative acknowledged that I did indeed make a payment on XX/XX/2019 but this was a new debt submitted to the collection agency by XXXX XXXX  on XX/XX/2019. I told her it was impossible to accumulate additional as I no longer resided in XXXX. The representative advised that I reach out to XXXX  XXXX  directly to find out what the debt was for as the representative at Transworld Systems , Inc. stated XXXX XXXX  did not provide any details regarding the debt. I insisted that they had the wrong person and she asked me to confirm my information which I did. She basically said it is my debt and that if I dont pay it it will be reported to credit agencies. On XX/XX/2019 I contacted XXXX XXXX  and confirmed with the lady working at XXXX XXXX that I do not owe any additional debts to them and she advised me to confirm the debt collection agency was legitimate. She forwarded me a copy of my ledger which showed I had a {$0.00} balance on my account. I called Transworld Systems , Inc. and again informed them that it wasnt my debt and I have written confirmation from XXXX  XXXX  that I could forward via email. The agency stated that they dont do email correspondence and that I could either mail or fax it in. I faxed it in twice and called to confirm their receiving. So far they say it has not been updated yet and they cant give me an estimated time for it to update. Simply, this is not my debt, I have confirmed this is not my debt, and have done my due diligence to submit documentation requested by the debt collection agency without resolution. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm a victim to online rental scam ( happened through XXXX in US ). The person ( identified herself as XXXX XXXX ) responded to my post and mentioned that she is looking for a rent ( She also sent me a CA driving licence, later point I noticed that it was a FAKE one ). she also mentioned that she will send me a check given by her company and she wanted me to help her by returning her excess money which she referred it for re-location and travel expense. 

I trusted her and after depositing the check ( {$7900.00} ), and the amount got posted to my account. After this, I transferred her back {$3000.00} ( through XXXX as a first installment, in intent to help her- Email id to which the money was sent was XXXX ). But on the same day, the check showed as returned. 

Few days later, I got a mail from bank of America, saying that the check was returned because, it was a blocked/frozen account. After seeing this, I XXXX  and found that it was a HAWAII RENTAL SCAM and raised a claim with bank of America and they mentioned that the target bank was XXXX and they will try to get the money back. but got one more mail during XXXX, that my claim is not approved and they wanted me to contact the scammer to get my money back. 

After few days of this money transfer, the SCAMMER stopped responding to my messages. Now even BOFA is not helping me in recovering my funds. 

Now I don't know how to get my {$3000.00} dollars back. Please help in getting the same. 

I have the email and message conversation of this entire incident with me ( if needed ). 
Please do let me know if more info needed on this regard. 

Thanks in Advance, 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 2019-12-03 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: I.Q. DATA INTERNATIONAL, INC.
State: CO

Complaint narrative:
IQ Data international is reporting bogus apartment debt. The account # is XXXX. I requested IQ Data to itemize the bogus debt and they just responded with a form letter restating the bogus balance. You can not just make up charges. 

I requested detailed account of what they say is due and they have provided nothing. Not a contract, not pictures of damages, no timeline of rental after ... nothing. I can tell you for certain I do not owe the amount they claim. I can not event begin to dispute until they itemize what they say is due. 

I need documentation of work performed, condition of apartment before and after, what did they do to advertise apartment if they can actually itemize anything

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: FL

Complaint narrative:
Good afternoon, I am writing to your agency again in regards to a previous case # XXXX-XXXX. XXXX advised on a letter mailed to me and your agency, that they would update my credit report for all three credit bureaus to include a statement " disputed by consumer ''. They failed to do so. I have recently disputed this account with all three major credit bureaus since this statement is missing from my credit file. Furthermore, to add insult to injury, XXXX failed to report accurate payment information. On my Experian credit report, they reported my payment history inaccurately. I always paid more than the minimum payment. On two reports, they reported XXXX as the amount paid and only the minimum payments of {$27.00}, {$28.00} for each month. All of these inaccuracies is affecting my credit score. On my XXXX credit report, they stated that I had a high balance of {$1400.00} from XX/XX/XXXX to XX/XX/XXXX which is not correct. The high balance of {$1400.00} was only for the month of XX/XX/XXXX. On XX/XX/XXXX, my balance had reduced to XXXX. I paid off my account entirely by XX/XX/XXXX. As I stated previously, I always paid more than the minimum. Not only did XXXX lie and state they closed my account at their own request but they have not reported my payment history for Experian and XXXX   reports as required. I will be submitting copies of my current credit reports to support this new complaint along with supporting documentation.

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 2019-12-03 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
i have a issue with the school charging me a fee fo a class i took and they got paid for it. I also dispute the company reporting this false debt to the 3 credit bureau, so i want to exercise my rights of the FCRA act. this debt or traNsaction can not be shared with these agencies due to the FCRA act rules. 

I want this debt removed from my credit bureaus and the debt charged off and removed.

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 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Applied for a Modification on XX/XX/XXXX. After almost 3 years of unemployment and/or underemployment, I finally got work that paid me more than I made when I was approved for the mortgage in the first place. ( I am seriously under water and owe much more than my house is worth ). So, working out something with my lender was my only available option. Being that I was once again gainfully employed, I was confident this would be good news for all concerned, including PHH Mortgage. I have since been grotesquely surprised. 

Things started off nicely - PHH Mortgage assured me, in writing ( letter attached ) that foreclosure wouldnt happen while I was being considered for a modification, as long as they received all the required documents, which I promptly submitted.

Then I started receiving a series of superfluous requests from PHH - all of which I nevertheless promptly responded to - here are a few examples : requiring me to certify that I was no longer getting any self-employment income ( despite clearly filling out their financial statement and submitting bank statements that showed I wasnt ), then. asking for tax returns that I had already sent to them more than two months ago ( electronically, so I have proof ), as well as asking me to provide a new bank statement, put the loan number on every page, and then sign the bank statement what on earth does my signature on an official bank document do? I nevertheless signed and submitted it. All for naught it was all a game to buy them time to get a  foreclosure through the courts. 

To date, I am yet to receive a decision on my loan modification. Instead, last week, literally days before XXXX, I received notice of a XX/XX/XXXX foreclosure sale date on my home. 

How is it ok for a lender to mislead a homeowner, string them along with a series of mind-boggling document requests, all the while biding their time to get their foreclosure action together, than spring it upon me and my family? ( I have a very sick sister living with me with XXXX  XXXX XXXX ( XXXX XXXX ), and PHHs handling of this matter has been extremely harmful. ) Also clearly, PHH was pursuing foreclosure while reviewing my loan modification request, a.k.a. dual tracking. Isnt dual tracking illegal?

I just find PHH Mortgages handling of my case unethical and a horrible business practice. It appears what they are doing is also illegal. Every week or two, there has been a request for a  superfluous document, which I have nevertheless promptly replied to. I am appealing to the CFPB to step in and get PHH to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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:
Transunion is incorrectly reporting an account where I am shown as an Authorized User on XXXX XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. 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. I have contacted the bureau 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 2019-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I checked my credit report and noticed care credit is reporting.. ; I did not request to open this card. I've sent the credit agencies my identity theft report and the account has yet to be shut down or removed.

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 2019-12-03 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: R.T.R. Financial Services, Inc.
State: SC

Complaint narrative:
Complaint # XXXX was closed. The company RTR Financial keeps calling my home phone #.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: FL

Complaint narrative:
Equifax, XXXX  and XXXX are reporting a XXXX  XXXX XXXX  account ( XXXX ) and a XXXX XXXX XXXX   account ( XXXX ) on my report as a negative item with no Data reporting at all on the account. I have asked these bureaus investigate and thereby to report accurately as required by the FCRA or delete the inaccurate information and they have returned letters to me saying that they have updated the account status and that the data furnisher has reported this information as accurate and as belonging to me. 
Well how can Equifax, XXXX  and XXXX honestly tell me this information with no data reporting for any period and reporting to an address that does not belong to me - be accurate and how can this information be reporting verified as belonging to me? what method have they done to do this inaccurate verification? I would like to know what basis they verified this information as accurate. The answer is that they have not done their due diligence in investigating these inaccurate items as they are required to do so per FCRA. I must now require immediate deletion of this data which is severely affecting my credit profile and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: FL

Complaint narrative:
XXXX, XXXX  and Experian are reporting a XXXX  XXXX XXXX   account ( XXXX ) and a XXXX XXXX XXXX  account ( XXXX ) on my report as a negative item with no Data reporting at all on the account. I have asked these bureaus investigate and thereby to report accurately as required by the FCRA or delete the inaccurate information and they have returned letters to me saying that they have updated the account status and that the data furnisher has reported this information as accurate and as belonging to me. 
Well how can XXXX, XXXX  and Experian honestly tell me this information with no data reporting for any period and reporting to an address that does not belong to me - be accurate and how can this information be reporting verified as belonging to me? what method have they done to do this inaccurate verification? I would like to know what basis they verified this information as accurate. The answer is that they have not done their due diligence in investigating these inaccurate items as they are required to do so per FCRA. I must now require immediate deletion of this data which is severely affecting my credit profile and score.

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 2019-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial is reporting me as delinquent on a loan that I had with them which was neither delinquent nor negative. I had just purchased a car with GM dealership when it closed. The loan which was just started was sent to the overflow dealership. I started paying them and continued until the end. Subsequently, GM reported this account 2 times to the credit bureaus with 2 different balances on the account. It shows the same account number but one shows a balance of {$10000.00} and the other account with the same account number shows a balance of {$12000.00}. I have advised them any times of the error on their part, I have also advised the credit bureaus of the error on their part. After all it is logically and logistically impossible to have the same account number for 2 different loan amounts. anyone with common sense who have noticed this as an error and take corrective measures. But no, this has been a struggle and is now affecting my ability to obtain credit. need this issue corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 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: TX

Complaint narrative:
I recently discovered that my ex husband, XXXX XXXX XXXX, has had an extensive, documented history of credit card and identify fraud. After requesting a copy of my credit report via TransUnion, I learned that I am one of his most recent victims. 

Although my actual birth date is XX/XX/XXXX, the report lists XX/XX/XXXX. I have been employed by XXXX   XXXX XXXX Hospital since XXXX, however the credit report lists my occupation as a XXXX XXXX at XXXX XXXX in XXXX  XXXX, TX -- -one of XXXX XXXX most recent places of employment. 

XXXX 's credit history is quite arguably one of the worst ever known. I recently obtained information that his driving record was suspended in XXXX until the year XXXX. By utilizing false documents and credit information, he recently obtained a 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 2019-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Duncan Solutions, lnc.
State: GA

Complaint narrative:
I had a debt of {$28.00} with XXXX XXXX. XXXX XXXX offered to reduce this to {$8.00}. However, XXXX XXXX said the debt was in collection. When I called the collection agency -- Professional Account Management -- the agency refused to lower the amount to {$8.00}, as XXXX XXXX had. I tried many attempts and the representative, XXXX, refused. He refused to let me speak to a supervisor. He even offered to pay it himself. When I took him up on this offer, he declined. The call was being recorded so you may check for yourselves. This was unfair and predatory. I should have only had to pay {$8.00}. I want my money refunded.

Company response to consumer: Closed with explanation