vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a secured card with XXXX XXXX XXXX XXXX, and i had the account for 3 months, i have paid on time and over the amount due which the XXXX  payment was initially two payments. My monthly payments are {$15.00} i paid {$180.00} on the XXXX  of XXXX. My payments are due on the XX/XX/XXXX of the month and the statements print on the XX/XX/XXXX of each month which means i am not 30 days past due. The reported 30-59 days past due to the credit bureaus dropping my credit score over 40 points. I am in the process of buying a home for my family and this is a major issue for me right now.

As you can see the attachments are photos of how they are reporting the information to my credit file. The minimum payment is still {$15.00} if i was late 30-59 days it would be more, also the status says current. how could be current when i am 30-59 days late. 


XXXX XXXX XXXX XXXX I am also submitting an investigation for XXXX XXXX XXXXXXXX you will see the actual screenshots of the late payments they came i have 90 days in XX/XX/XXXX, 90 days in XX/XX/XXXX and 90 days in XX/XX/XXXX. How can i be late on any of my student loan accounts when the prior months are on time not late. There are 10 XXXX XXXX XXXXXXXX   accounts listed on my credit report that are reporting 90 days late but neither of the prior months are late according to the credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH ( formerly Ocwen ) has systemically and deliberately violated the California Homeowners Bill of Rights consistently during my loan modification process I am a owner occupied home owner - my family ( including my XXXX child ) live in our home thus the loss of my home via PHH 's illegal foreclosure would cause myself and my family irreparable harm and certain XXXX. PHH has maintained an active foreclosure date during the loan modification application process which is in direct violation of the Homeowners Bill of Rights - I have had a Trustee 's sale date hanging over my head which is bad faith business dealings and has cause emotional duress to me and my family. PHH has failed to credit payments and wrongfully charged me add-on products without my consent - insurance and escrow account - which has added to my loan balance. I have not be provided with an written itemization of said unauthorized charges after repeated requests. I notified PHH in writing ( within 5 days ) that the trial period plan payment was too high - based on my income documentation which I submitted to PHH via the loan modification application ; trial period plan payment exceeded my monthly income. PHH has not responded and the foreclosure date is still set for XX/XX/2020. I want to keep my home and will not lose it. I would prefer to work out an affordable loan modification payment as this is exactly what the intent of the Homeowners Bill of Rights was designed for. However, if this is not possible, I will bring legal action against PHH to protect my home and my 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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I opened a lease on XX/XX/XXXX. At the time I had a credit score of XXXX. The lease was for 36 months and subsequently the car was repossed in XX/XX/XXXX and sold. Because it was sold for more than what I owed I was never told I had to pay a balance. However on my credit report it said the account was closed on XX/XX/XXXX which is grossly inaccurate. I would like this Information verified and updated with all 3 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 2020-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Switched cell phone companies from XXXX XXXX XXXX to the sister company XXXX XXXX. When I switched Phone calls to XXXX  XXXX and XXXX XXXX XXXX were recorded for when XXXX XXXX XXXX again acted in deceptive manors similar to the actions of XX/XX/2016 by using deceptive trade practice acts, to encourage buying one phone and receiving the second free. XXXX XXXX General Counsel of XXXX XXXX XXXX admitted XXXX XXXX XXXX owed {$520.00} from the deceptive training they use to get extra sells. When I was switching from AT & T I knew such actions were to be aware of there for I covered my bases of which I can prove the statements made. XXXX XXXX XXXX has instigated this attempt to collect money that was not owed account XXXX XXXX XXXX is using this tactic to get even with their loss from XX/XX/2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NY

Complaint narrative:
I noticed a fraudulent transaction on my checking account associated with the Cash App app. After contacting my bank and closing my debit card I received an un-requested Cash App card in the mail in my name. I never opened a Cash App account so some one must have opened an account in my name and attempted to withdraw funds from my bank. My issue is that there is no way to contact this company to report the account as fraudulent unless I download their app and log into the account I never opened in the first place. I want to close this account asap before they use it to scam someone else in my name but there doesn't seem to be a way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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:
Fraudulent credit applications were made in my name with XXXX XXXX  on XX/XX/2019 and XXXX XXXX on XX/XX/2019. These companies contacted TransUnion to check my credit. XXXX XXXX  and XXXX XXXX became suspicious and called me inquiring if I applied for credit. I told them NO and they cancelled the credit applications. I have contacted TransUnion - as well as XXXX XXXX  and XXXX XXXX  on FOUR ( 4 ) occasions requesting that the fraudulent credit inquiries be removed from my credit report. To date, the 2 fraudulent credit inquiries remain on my TransUnion Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX I opened a Macys card unfortunately due to a divorce that card was charged off in XXXX I received a letter stating that the account would be removed from my credit report permanently ( which I misplaced ) however as of today XXXX XXXX I can still see that information on my credit reports .I would like the information to be validated that this is an old account that is past the statute of limitation and seeing that is delinquent or derogatory reporting to have it removed from my credit file permanently.

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 2020-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
Someone used my XXXX 's Capital One credit card number to purchase e-gift cards online over 2 days totaling {$1200.00}. They used my daughters maiden name as who it was being sent to. They created a whole new fake email account with my name to have the gift cards sent. I have disputed the charges 2 time and they said it was determined to be a " domestic situation ''. I have asked for them to send me proof of where the e-gift cards were spent and they have provided me with nothing. The last disputed letter said " After verification with the merchant ( s ) in question, we determined that the merchandise was delivered to your home address. '' I have received nothing by email or mail to my " home address ''. I refuse to pay for something I did not receive or order. It frightens me that someone has gotten access to not only my card number but my daughters identity. Capital One has not been receptive to solving this problem any further. If they looked at my purchase history, they would see that I hadn't used this card in years and have never purchased e-gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
Constant refinance offer harassment. Offering IRRRL refinancing loan options.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Our mortgage was with Ocwen during foreclosure proceedings it was sold/merged with PHH Mortgage. We were able to work out a trial modification agreement with PHH Mortgage for the months of XXXX/XXXX/XXXX  2019. We completed those payments and waited for approval for the final modification. We additionally made XXXX and XXXX payments as well. We were informed of approval for final modification, signed and returned to PHH as they required. During the time of XXXX & XXXX we had tried to access our account online with great difficulty, eventually PHH system was working and we reviewed our information which was incorrect. We sent several emails through the " contact us '' email on their site. In addition, the website would not allow us to make payments online stating we were " past due '' owing XXXX & XXXX payments and to contact customer service. Each time we emailed informing them that our account information was incorrect and needed to be updated with payments amount, payments made and to allow us to make payments online. Slowly, some of the information was updated however, a majority continues to be incorrect. At this time, we are reviewing our credit report information as well which PHH has not corrected their reporting of our current situation even after disputing it with the credit bureau. PHH has our online account indicating we are over 40 days late, yet shows our XXXX payment received. The modification agreement indicates our new monthly payment is {$1000.00} however, PHH continues to list our payment as {$1400.00} and reporting that same wrong information to the credit bureau. Again, more incorrect information. Furthermore, the credit bureau is reporting late payments for XXXX/XXXX/XXXX/XXXX  which all were previously made as per the trial modification. Had these payments not been made we would not have been offered the final modification. Since the modification has been granted and completed the loan is no longer past due those months. This same information needs to be corrected with all credit bureaus as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: VT

Complaint narrative:
Last XXXX I learned XXXX  ( XXXX XXXX XXXX ) reported my student loan account 180+ days late, yet they also reported it as " Pays as Agrees ''. I immediately called XXXX  to find out why they falsely reported my account as being late causing my credit score to drop by over 100 points. I filled out 3 disputes with XXXX and have been in constant communication with them for the last 13 months to have them fix my account. They it corrected through XXXX, but not Transunion. 

XXXX agrees I have never been late, yet they are giving me the run around and havent fix my credit report. They provided me with an email indicating Ive never been late and am actually 4 months ahead on my payments. On XX/XX/XXXX XXXX Employee # XXXX said she was able to update my account showing everything is current and I was never late. She advised me that it would take 30-45 to show up on my Transunion credit report. I called on XX/XX/XXXX and spoke to XXXX Employee # XXXX and she verified everything was current and updated. 

I applied for a loan on XX/XX/XXXX and was told I didn't qualify for the best interest rate because my Transunion credit score was low showing I was 90 days late for two months on my student loan. I have been trying to resolve this for 13 months and am beyond frustrated. XXXX is requesting that I fill out more paperwork. I've done this 3 times already. Doing the same thing over and over again and expecting a different result is insanity. How can a financial institution be allowed to mess up my credit for over 13 months causing me to pay higher interest and not have to fix it? This should be illegal and XXXX should be held accountable and at the very least they should fix my transunion credit report. Please have them correct this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: Atlanticus Services Corporation
State: AZ

Complaint narrative:
REFERENCE # XXXX INSTEAD OF CORRECTING CREDIT REPORT IT THE ENTIRE RECORD WAS DELETED AND I SHOULD HAVE A PERFECT HISTORY. 

CREDIT PROTECTION WAS ACTIVATED BUT COMPANY PROMISED {$60.00} / MONTH PAYMENTS WITH A MAX OF 6 FOR THE PROGRAM. SINCE FIRST PAYMENT HAS BEEN MADE ONLY IN THE AMOUNT OF {$10.00} PROMISES WERE AGREED ON THIS ACCOUNT AND YOU CAN FIND THEM ON THE OTHER CLAIM I WILL ATTACH AS WELL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: U.S. BANCORP
State: WI

Complaint narrative:
Date of item being disputed : Late payment for XX/XX/2019 and XX/XX/2019 Description of dispute : There are two late payments on my Elan Financial Services Account. 
Enclosure : XX/XX/2019 statement. The open date is XX/XX/2019 and the closing date is XX/XX/2019. On page 3 (  where it is highlighted ) it shows the two late fees were reversed ( {$39.00} each ) and credited for XX/XX/2019 and XX/XX/2019, because their system made a mistake by not taking out the payments that were set up for autopay. The bank reversed the late payment fees and they will not remove it off of my credit report. I have disputed it to all three credit bureaus and have gotten results back indicating no change, so the late two late payments of 30 and 60 days are still on my credit report severely ruining my credit. 

I have contacted the company several times and they said they have removed it on their end and that's all they can do ; meaning they won't report the removal to the three 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 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
My mortgage servicer, Shellpoint Mortgage Servicing, made several errors on my account, resulting in an incorrect balance due even though I made all payments early. 

I notified them of the error almost 2 months ago on XX/XX/19 and provided all the documentation they requested but they have still not fixed it. 

They charged unnecessary insurance to my account. 
They set up an authorized escrow account on my mortgage. 
The made an erroneous report of late payments to credit agencies. 

Please help! 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : Previous Complaint # XXXX, EQUIFAX has not removed the credit freeze on my credit report. The matter was incorrectly and prematurely closed without proper resolution. My complaint remains open. Equifax needs to remove the credit freeze on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: HI

Complaint narrative:
Experian credit bureau refused to removed a wrong credit charge by XXXX XXXX from my credit report. I have addressed this issue with XXXX through Judge Advocate General ( JAG ) of the United States XXXX. I closed the account that I opened and paid it off when I was going to go on permanent change of station. XXXX XXXX had fraudulently used my information to open several accounts without my knowledge and they want me to come and pay for the accounts which I did not owe. 
Other credit bureau have removed this information from my credit report but Experian has refused to remove it.

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 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our home loan ( mortgage ) was sold to SLS loan servicing several months ago from our original mortgage holder, XXXX XXXX XXXX. We obtained a successful home loan modification from XXXX XXXX in XXXX of XXXX after a major battle, and poor banking practices from XXXX XXXX on our behalf. In XXXX of XXXX, my wife was laid off from her job of 15 years, and my family was out a good amount of income per month. 

Knowing we were facing a hardship, we reached out to SLS and asked for assistance with our mortgage. We completed an application for assistance, along with all of our documentation and a letter. SLS responded, stating we were only eligible for either a short-sale on the property, or a deed-in-lieu of foreclosure. We were appalled. We were given a date of XX/XX/XXXX to respond with an appeal of their decision. We then submitted an appeal with another letter explaining our situation, and that we had a VALID hardship. We further explained that a short sale would not apply to us, as we have quite a bit of equity in the property. We also explained that it had now been over a year since our last loan modification, and that we intend to keep our home! My wife is now employed again, but catching up after falling behind is hard to do with a family to support. I also suffer XXXX XXXX XXXX XXXX, and will be receiving a XXXX XXXX in the next year. 

We received confirmation that our appeal was received by SLS, but have not yet heard back from them on a decision for assistance with the mortgage. We received a letter on XX/XX/XXXX stating that we denied assistance from SLS. This is not true. The options of assistance they offered us had nothing to do with keeping our home, and/or did not apply to us! And instead, today, XX/XX/XXXX we received 2 letters in the mail from SLS stating they intend to foreclose on our home. This is unfair, and illegal. We as homeowners deserve a chance to remedy our overdue mortgage, and deserve an opportunity for assistance with our mortgage in order to catch up and/or start over. We want to remain in our home and get back on track as we have a XXXX year old son, and our home is our biggest asset. It appears nobody at SLS servicing has taken the time to review our account, our paperwork, or take the time to help their customers who are desperately trying to make things right and not ignore the financial hardship they are experiencing. Why hasn't our appeal been acknowledged? I feel that SLS has no intention of helping customers, although they offer assistance on their website, and via mail. This is a detrimental situation for myself and my family, and something needs to be addressed and done. If I am forced to hire legal counsel, then that is what I will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
Attempting to call and make agreed payment and they would not take the payment claiming they had not received a letter back. They refused to allow payment and it is due tomorrow. They are transferring to voicemail and not returning calls. They told me the letter was not received and now I have to pay additional court fees. The payment is due tomorrow and I want to make the payment but they are attempting to prevent this payment from being made.

Company response to consumer: Closed with explanation