vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
We used XXXX XXXX XXXX  to refinance. Who ran my credit. They sold it to PHH mortgage, who ran my credit twice and it dinged me. I want to know why they did this!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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:
XXXX I opened a loan account with XXXX XXXX while on XXXX XXXX for the military. Around XXXX I was removed from my home due to a divorce issue and was allowed back into my house on or around XXXX during this time I didn't have access to any of my personal belongings and was not allowed within 100ft of my home after returning home I quickly called XXXX XXXX to fix my account status with them on XXXX. A promise and an agreement were made over the phone that my account would return back to normal after I made a large payment to the company with a total of {$720.00}. With this agreement being made I paid in full the amount of {$720.00}. After continually receiving monthly statements in the mail over the course of several years and after quite a large number of life changes I check my credit score and found out the company never fixed my account and continued to send me monthly statements in the mail. I have contacted the company on a lot of occasions trying to find answers after being lead on a while goose chase for quite a long time I was automatically forward to the collections department. The last to individuals I had contact was a woman named XXXX, XXXX which then finally forward me to a supervisor after several emails back and forth. The supervisor named XXXX, XXXX didn't even look into the matter he just downright denied any actions or promises made by the company or individuals i then had to beg the gentleman for a copy of my payment history. After contacting several lawyers within my area they said that it would be in the best interest of my case in order to try and resolve this matter privately first. I would like to resolve this with the company before i proceed with any other further actions. I would just like the company to switch my credit back to regular account status as promised and the correct monthly payment history corrected on my 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 2019-08-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have Paypal Credit Issued through synchrony bank.  I was approved for a XXXX  dollar limit.  I have good credit and have not missed any payments.  I still have XXXX dollars of credit left on my card but it is not allowed to be used online for any purchases now.  When I log in to PayPal to make my payment; the credit is not available.  I have tried for two weeks to resolve with the company. They give the same story every time.  First, they pass you between 3 teams to verify there are no blocks on the account or issues on their end.  Then after they verify all that; they say some merchants don't accept PayPal credit and it's on their end.  The merchants I'm trying to buy from; I have purchased from in the past with PayPal.  Merchants like Walmart, XXXX; known companies.  I'm, not the only person having this exact same issue.  If you go to this link; (XXXX)  there are thousands of people saying the same exact thing and having the same experience and response from the company.  Dating back to XX/XX/2017 to now.   This company ran my credit which DIRECTLY impacts my score just for checking.  They approved me and now deny me the use of the card.  I could of went with another card that does not do this.  The thing that is most frustrating is them always saying "Its not us, we want you to use our card" .  Paypal credit is a scam, they should not be allowed to run your credit and appove you for a certain amount but then let you use it as they see fit

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 2019-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Two incidents of Identity Theft and Loan Fraud were detected in my credit report. Both were student loans issued to XXXX XXXX with me as the co-signer. I submitted fraud packets as requested by Navient and XXXX XXXX ( both attached ). XXXX XXXX release me of liability promptly ( release letter attached ). However, Navient seems indifferent, even though as per Fraud Affidavit, I am a victim of Identity Theft and Loan Fraud which resulted in unauthorized use of my personal information such as name, DOB, SSA #, and my tax return to obtain approval for a student loan for XXXX XXXX. I have never consented to, nor signed any documents relating to this student loan for XXXX XXXX in any capacity. 
Additionally, I have always personally signed loan documents ( promissory notes included ) usually notarized. I have never allowed electronic signatures to be used on my behalf for loan documents ( promissory notes included ). These details were related to Navient 's fraud department employee name XXXX ( ID # XXXX ) on two separate calls in which this employee express indifference and indicated my situation may or may not ever be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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'VE BEEN GETTING CALLS FROM DEBT COLLECTORS AND COULDN'T UNDERSTAND WHY! I SO HAPPENED TO PULL MY CREDIT REPORT AND I NOTICED ACCOUNTS AND INQUIRIES ON MY CREDIT REPORT THAT WERE NOT MINE AND ARE UNAUTHORIZED AND FRAUDULENTLY REPORTING ON MY CREDIT REPORT. I AM HIGHLY UPSET ABOUT THIS MATTER, A POLICE REPORT IN XXXX HAS BEEN FILED AND ADDITIONALLY A COMPLAINT WITH THE FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC
State: MS

Complaint narrative:
Yes an agent contacted me for a firm named Sunset Solutions LLC. It was about a payday loan that they claimed i received in XX/XX/XXXX but didn't pay. I was told that legal action would be taken if i didn't agree to set up a payment plan. First payment was debited from my account on XX/XX/XXXX in the amout of $XXXX. The agree was for this amount to be taken out of my account via pre authorized debt charges every two weeks. The last payment was set for XX/XX/XXXX. I haven't received any information about this bill from initial payment, payment schedule, or anything. After XX/XX/XXXX, I tried contacting Sunset Solutions LLC to get information on my account. No one will answer my calls, and the emails provided on the site doesn't work.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I began a home loan process application at Bank of America on XXXX XXXX. 
I was immediately sent to XXXX XXXX on XXXX XXXX on XX/XX/2019. 
I was then called by a man named XXXX XXXX XXXX XXXX XXXX at Bank of America. I spent 2 hours with him on XX/XX/XXXX. He told me to ask for an extension from my landlord since Bank of America was offering a better assistance program on XX/XX/XXXX. I return to the bank on XX/XX/XXXX. The application was started and I went to the bank with more documents and he was suppose to wire the escrow money to title company. The money was never wired. XXXX assured me the loan was approved and it wouldnt be much longer until we can finalize the loan. On XX/XX/XXXX XXXX called and told me my payment would be too high and gave me a womens name at a mortgage company. Her name was XXXX XXXX from XXXX XXXX XXXX In XXXX. She assured me my loan with process and we would have a closing date soon. I never met the this women and her assistant took over my loan almost 10 days later they finally started my paperwork. I went to her office and spent 2 hours with my paperwork. My realtor would reach out to these women and no return phone calls and they basically told me they couldnt make my payment lower. I then went to another mortgage broker XXXX XXXX who advised me to go back to Bank of America and ask why I couldnt loan from them. I return to XXXX XXXX at XXXX XXXX and he starts my paperwork. He informs me that XXXX XXXX never submitted my home loan application. Finally I go back to Bank of America/call and XXXX calls to tell that Bank of America doesnt lend to my condo community in which I live. Ive spent 2 months on this loan applicant ion, reached out to Bank of America and they only respond with Im sorry, they have never offered me compensation for my time, money and stress that I went through to have them decline me of a loan. I have banked with B of A for many years. Im very disappointed in how this was handled. I went to another mortgage company and they were able to tell me within 15 minutes if they loan to my community. I would like to be compensated for my terrible experience with Bank of America In 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 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: VA

Complaint narrative:
Call was placed to number and stated " stop all calls on all accounts. '' Calls were received from this number on the following dates and times. 

XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX  XX/XX/2019 XXXX XXXX After each call to my cell phone, a call from this number was immediately received by a friend on their cell phone in which they stated this was an attempt to collect a debt. Each call to my family and friends requested a call back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NY

Complaint narrative:
On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of 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 2019-08-16 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX the vehicle was totaled in a car accident. This was a no fault therefore the other vehicle insurance paid the value of the car and my lapse insurance paid the rest. I come to find out after that there were some additional fees that needed to be pay me $XXXX.On XX/XX/XXXX I received a settlement offer for $XXXX (attached is a copy with payment reference#) and that they will close and report the account with all 3 credit bureaus as settled. On XX/XX/XXXX I made the settlement payment of $XXXX and on XX/XX/XXXX I received the paid settlement letter as agreed (Copy attached) and that it will be showing on credit report settled for less than the full balance” with the Credit Reporting Agencies.Today XX/XX/XXXX the account on my credit report was updated as closed and charged off with last payment of $XXXX and a balance of $XXXX. This is not what was agreed and also caused my credit score to drop almost 30 points. This needs to be corrected ASAP as it will prevent me for getting future financing and more than likely the remaining balance will be sold to a collection agency that most likely with be put on my credit report and seek further payment. Not to mention that will continue to drop score. I'm requesting this to be corrected on my credit report within 3 business days after verification of 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 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SFS, Inc
State: MS

Complaint narrative:
Yes an agent contacted me for a firm named XXXX XXXX XXXX. It was about a payday loan that they claimed i received in XX/XX/XXXX but didn't pay. I was told that legal action would be taken if i didn't agree to set up a payment plan. First payment was debited from my account on XX/XX/XXXX in the amout of {$210.00}. The agree was for this amount to be taken out of my account via pre authorized debt charges every two weeks. The last payment was set for XX/XX/XXXX. I haven't received any information about this bill from initial payment, payment schedule, or anything. After XX/XX/XXXX, I tried contacting XXXX XXXX  XXXX to get information on my account. No one will answer my calls, and the emails provided on the site doesn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I checked my credit report and found a unpaid debt for XXXX XXXX posted in my report. This action was done by I C Systems debt collection. I called and explained it was not my debt. During that conversation, actually 3, I found this debt belonged to my son who lives at a different address and apparently subscribed to XXXX XXXX. They told me to call XXXX XXXX to fix this problem, I did. XXXX XXXX told me they gave the collection company the correct information and they used a practice called " skip tracing '' and that collection company would have to correct it. I called I C Systems back and they refused to correct this error and remove the debt posting from my credit report. I C Systems phone XXXX XXXX XXXX XXXX Spoke with XXXX employee XXXX. They reference is report XXXX XXXX XXXX and account XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX I spoke to XXXX in Texas. The XXXX XXXX account number is XXXX. The account is in the name of XXXX XXXX XXXX. They posted to my credit report for XXXX XXXX XXXX My contact is ph. XXXX XXXX XXXX, email 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 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Paid card off, and late fee was added. Spoke to representative and she stated she removed late fee. Received no letter and stared receiving phone calls every day including Sunday and messages. Spoke with representatives and they were suppose to review phone call and next thing I knew in 2-days later receiving message from Debt Collection.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-16 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: NC

Complaint narrative:
I've been submitting validation/ dispute letters since XX/XX/2019 about the inaccurate reporting of a public record applied to my personal credit report. 
Whom ever this collection agency is listed as Unkown or -- - on my TransUnion Credit Reporting. The  balance is XXXX but I'm unaware of what account ( s ) are linked to this inaccurate reporting. I've requested information linked to this debt such as the name of the person the information was collected, address & their contact information. The credit bureau hasn't sent me any information linked to this public record. Since the credit bureau could not furnish any documentation or any information, I requested complete removal of this public record from my personal credit report. The unverified item still remains.

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 2019-08-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
since XX/XX/XXXX of last year we qualified for loan modification and partial claim. 

We were working with XXXX XXXX XXXX XXXX to assist in getting a loan modification. 

XXXX, Our initial mortgage company had agreed upon a {$1400.00} loan modification with XXXX. 

We then received documents with a partial claim but no loan modification. 

This was brought to their attention, then more than a month later they send the same paperwork with the same missing paperwork. 

After they send the second package, loan was transferred to flagstar bank. 

Flagstar has agreed to honor the XXXX monthly payment and we have paid every month since XX/XX/XXXX  with no progress from Flagstar. 

Currently Flagstar calls 3 times a week for debt collection purposes and to update on the status of the loan modification. 

The account has been with Underwriters since XX/XX/XXXX with no progress since from Flagstar. 

Our point of contact is not able to get any other information to us beside what she always says which is " the account is still with underwriters '' and " I can get with my supervisor and call you back '' which she never does. 

XXXX XXXX XXXX continues to assist in this process even past what they were obligated to do. But XXXX and Flagstar do not seem to care enough to move this any further. 

Soon this process will have been open for a year with no actual progress done. 

We dont even have an actual written agreement with Flagstar just a verbal agreement that they will honor the past agreement with XXXX. We continue to make our payment of XXXX every month though.

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 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Today on XXXX Friday the XXXX Bank of America has stolen {$12.00} out of my account for maintenance fees even though I have direct deposit to avoid this. Yet they still charge me every single month, sometimes twice if I dont check my account. They claim its a computer glitch but after the fourth time, this isnt an accident. Please stop them as Im sure this happens to millions of people who cant check their account or go through their entire months transactions. Theyre making millions off stealing from their customers and claiming it as bank error.

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