vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-26 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, XXXX, Transunion ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-12-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Home is upside down on the mortgage. We have the house on a short sale since XXXX  of XXXX. We engaged energetic Real Estate agent who during that period presented Mortgage processor- Mr.Cooper- with three offers that were close to the BPO range. Each offer was turned down by lender and Mr. Cooper. The last offer which fell through in XX/XX/XXXX was for $ XXXX. To this offer Mr. Cooper counter offered at $ XXXX. The buyer felt the price was too high for the shape of the property and walked away from negotiation as did the first two buyers. We currently have a new offer in negotiation with Mr. Cooper. This latest offer is for $ XXXX, which meets Mr. Cooper's/Lender previous counteroffer on the nose. Yet, Mr. Cooper has once again changed the goal posts and is now requesting $ XXXX as a counter offer. Message of this counter offer signed today by MR. XXXX XXXX It appears to us that Mr. Cooper/Lender is not negotiating in good faith. Mr. Cooper appears to want to extend the loan servicing in order to garner additional default fees. Or, it may be forcing foreclosure by exhausting our energies. This may be the last opportunity to sell this home. 

Several stories on the internet indicate that Mr. Cooper - predecessor Nationstar - plays games with short sales. Please help them adhere to good practices

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: TN

Complaint narrative:
I am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-12-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
This is really problems, 1st is they stated they wouldn't charge me more than 1 fee per day with my overdraft on my business account which they do, sometimes they charge me before the account even goes into over draft.

I've had issues with SunTrust before, Now even though I setup a overdraft for my account, they say it is the same account as my business credit card account which it is not and has a completely different account number and balance, as well as balance available. I had to write a check for supplies for a current job and looking online I see my overdraft account states XXXX balance {$5000.00} available, But the are returning the check, therefore messing up my relationship with this supplier and telling me it is based on my balance on my business credit cart which states {$74.00} available with a completely diff account number, I occasionally reach someone at SunTrust that knows what's going on and what to do. but as of lately no luck. Is there anything that can be done to make them abide by what I was told that it is a separate account with it's own available balance. If it were not, I'd have no use for it because I could just charge what ever amount from the business credit card to my account and not ever pay a over draft free. + their new 3 % cash transfer fee they started to charge me along with a {$38.00} overdraft fee. Not sure what has happened to SunTrust but they have become a group a lying fee hungry bankers!

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: CreditGUARD of America, Inc.
State: CO

Complaint narrative:
Credit Guard told me I would receive a refund of {$420.00} upon cancelling my account. That was over a month ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: PR

Complaint narrative:
Complaint against XXXX XXXX XXXX, SOUTH WEST RECOVERY SERVICE,  XXXX XXXX, XXXX XXXX. 

XX/XX/XXXX - I submitted an application ( XXXX participating professional application ) to XXXX to establish a consumer credit program for, and to obtain merchant processing privileges. 
This program allows consumers to pay for dental services with XXXX XXXX. ( appendix a ) Application approved by XXXX XXXX ( XXXX ) Terms and conditions : XXXX ( appendix b ) XX/XX/XXXX XXXX   Welcome Letter ( appendix c ) : Thank you for adding the XXXX healthcare credit card ( offered by XXXX XXXX ) as another payment option to help more patients access care without delay. 

A terminal for processing XXXX was received. Part Number XXXX. Description XXXX XXXX, XXXX XXXX, XXXX. 
Serial Number XXXX. 

This terminal was used to process XXXX XXXX transactions until XX/XX/XXXX. 

XXXX XXXX XXXX letter informing of transition of XXXX to XXXX XXXX XXXX of commercial credit card transactions ( eg Visa, MC, XXXX etc ). This agreement was not to affect my XXXX Private Label Credit Card program. ( appendix d ) XXXX XXXX XXXX NEVER contacted me. The letter said " NO ACTION NEEDED ON YOUR SIDE '' PROBLEM :XX/XX/XXXX email from XXXX. ( appendix e ) Informs me of outstanding debt of {$890.00} from XXXX XXXX XXXX for equipment NEVER received XXXX XXXX XXXX XXXX This account is considered to be past due and will be reported against your personal credit on XX/XX/XXXX. 

My Comments : As soon as I received XXXX letter of XX/XX/XXXX I  contacted XXXX by phone asking them how to return their terminal ( XXXX XXXX, XXXX XXXX, XXXX ). They informed me that their terminal was not to be returned. I only needed to return XXXX XXXX XXXX terminal if I did not wanted to accept Credit Cards ( Visa, MC, XXXX, etc ). 
IMPROTANT FACT : I told XXXX representative that I had not received the terminal from XXXX XXXX XXXX. 
IMPORTANT FACT : I have never process CreditCards ( Visa, MC, XXXX, etc ) with XXXX XXXX XXXX. 
IMPORTANT FACT : XXXX XXXX Representative told me that it must have been an error as XXXX XXXX WOULD NOT provide the credit card service to merchants in XXXX XXXX. 
Representative told me I could disregard letter. 

Conclusion- XXXX XXXX does not do business in Puerto Rico . 
Terminal was never received. Please provide proof of delivery.

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 2019-12-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have an account with Wells Fargo bank here in XXXX Georgia I was contacted and told that I had made a reservation for the XXXX  XXXX  in XXXX Georgia which I did not and I reported it to my bank my bank accused me of making this transaction which I did not because when they call the XXXX  XXXX  whoever made this reservation use my address my credentials and my bank took those monies out of my account and did not put them back when I travel to XXXX I didn't even use my Wells Fargo card my bank has have not yet put my bet money back into my account they even took extra money out of my account because there was a overdrawn back in XXXX of another XXXX    another XXXX  XXXX  it all adds up to two   hundred and something dollars but they have yet to put those monies back into my account I did not make any reservation with the XXXX XXXX of XXXX Georgia when I stayed in XXXX Georgia I stay at the XXXX   XXXX XXXX on XXXX  XXXX XXXX and I provided them with that information my name is XXXX XXXX XXXX XXXX my phone number is 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 2019-12-26 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: PA

Complaint narrative:
XXXX XXXX XXXX on XX/XX/18 Ran a Hard credit Inquiries on a credit application with XXXX of XXXX XXXX in which is not me. Incorrect social security number, Incorrect drivers lic, incorrect date of birth and no date on the application. I did not give permission for this transaction. Please stop trying to avoid the truth with your fraud and deception committed by XXXX of XXXX XXXX. Please provide my real social security drivers lic & date of birth and stop trying to avoid the application put in as fraud. I have also filed the documents with the US Attorney office as proof this is not my information as drivers lic, date of birth, soc sec number all fraud type in by XXXX of 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 2019-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I am an XXXX XXXX service member and my house was damaged during XXXX XXXX. I have been working a Modification with PHH since XXXX and after a denial, an approved appeal I sent in the notorized modification and because of an " notary error '' they could not approve the modification and had notorized it again and again they said there was an error. I called and they said it was because my middle initial was included on the notary page, when on the paperwork it did not show my middle initial. So for a third time I had it notorized without my middle initial. Well this was all going on I have been trying to sell the property. I got an offer for {$88000.00} and ordered a payoff and the payoff did not include the {$45000.00} the mortgage company is holding for repairs from the hurricane. Since I owe {$120000.00} and the I need the insurance proceeds to be included on the payoff so the title agency knows how much to transmit at closing. After hours and days on the phone I sent PHH an error notification and filed a CFPB complaint. Now on the same day I filed that complaint, they sent me a letter stating I decided not to accept the modification. This is not true. I accepted the modification 3 times and never stated I do not want the modification. I have just been attempting to get an accurate payoff. I submitted the payment for the modification and today after calling they tell me the modification was canceled and they rejected my payment. I still have not been given an accurate payoff so I can't sell and now they took away my modification. I never requested a short sale or cancellation of my modification. I only requested an accurate payoff with the insurance proceeds that PHH is holding.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. 

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. 

I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. 

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am dealing with a XXXX XXXX and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.

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 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am dealing with a XXXX. diagnosis and I am not able to get thu on the phone recording because it is automatic and it keeps saying the same thing over and over so I can not get a report, or know if I am doing this right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
My home was sold and I received an email on XX/XX/2019 from Ditech stating that there was a surplus of funds in my escrow account and a check would be mailed to my billing address. I checked my online account and it showed Date:XXXX Description : Escr Surplus Ref Check # XXXX Escrow amount : ( {$2800.00} ). I called Ditech on XX/XX/2019 @ XXXX to verify information. I was advised the check was mailed to the property that had been sold. I have had previous issues with Ditech regarding addresses as I have not lived at the property for a few years, and reside in 2 states away currently. The representative advised that they could not cancel the check and reissue until 30 days had passed, and advised I have a family member pick it up from the house for me ; which none of my family live near the house even if I was willing to ask it of them. I updated my address with the representative at that time to ensure they had my current one on file. 
I called back on XX/XX/2019 @ XXXX and was asked to call back on XX/XX/2019. 
Called back on XX/XX/2019 XXXX, and original check was cancelled and new check was to be reissued. 
Called on XX/XX/2019 @ XXXX to verify check was reissued and mailed, when to expect the check, and was advised 5-7 business days. 
Called back XX/XX/2019 @ XXXX and was told I should receive check no later than XX/XX/2019. 
Called back on XX/XX/2019 because I had not yet received the check and was asked to give it a few more days. 
Tried again on XX/XX/2019 @ XXXX and was told Was told issue is being escalated to a supervisor and I should receive a call by Friday ( XX/XX/2019 ) Did not receive a call from a supervisor and called back on XX/XX/2019 @ XXXX XXXX. Was told check would be cancelled and reissued again. I inquired about alternatives such as direct deposit, or if it could be expedited or include tracking and was told none of those options were available.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2019 I was alerted to a negative change to my Transunion credit report resulting in a 91 point drop in my credit score. The negative report was that my balance on the XXXX XXXX XXXX Credit Card increased {$820.00}, but what Transunion isn't considering is that I transferred that balance from my XXXX Credit Card. It was just a transfer, there was no increase on my credit cards. Transunion also indicated a negative report on my credit due to an increase of {$39.00} on a XXXX Credit Card. Transunion isn't showing any of the payments I made on these credit cards in the last month of over {$300.00}. My credit score should never have dropped, it was just a transfer from one card to another and if my payments were shown correctly my credit score should be back above XXXX where it belongs.

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 2019-12-26 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY 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
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26 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: FL

Complaint narrative:
THE ACCOUNTS DISPUTED WERE NOT AUTHORIZED BY ME, THE ACCOUNTS ARE SHOWING CLOSED ACCOUNTS WHEN I WAS UNAWARE OF IT. I DID NOT GIVE ANY AUTHORIZATION FOR THOSE ACCOUNTS AND THEY ARE REPORTING NEGATIVELY IN MY 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 non-monetary relief