vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-13 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: CA

Complaint narrative:
On XX/XX/18 I made contact XXXX XXXX to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( XXXX ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on XXXX 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: CA

Complaint narrative:
On XX/XX/18 I made contact XXXX XXXX to settle a debt and inquire about the process in which it reports. I made contact with the initial rep, then her supervisor and finally spoke to the project manager who all advised me that once I paid the debt that was owed it was closed with them and then sent back to XXXX who would then recall the debt. the debt collecting agency ( XXXX ) refused to provide this in documentation but assured me my call was being recorded and as a project manager he had to provide me with the proper steps in which this debt would be removed. I advised the representative that I was currently in escrow and could not have my score drop as a result to paying this said debt. My husband not only took a 20 pt drop once it reported " closed settled '' so I immediately called XXXX who I was advised my file would be returned back to, to follow up on XXXX 's procedures just to find out that they've wrote our debt off and it was sold to a debt collector never to return. So in other words they were never getting my file back and this debt collector lied to me and has caused my score to drop. the original debt was XXXX and we were offered to settle at XXXX in which we did. However because they did not do what they said this has caused us to go through a hassle while going through escrow with the decrease. you shouldn't be able to deceive and cause hardship to consumers.

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 2018-06-13 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: CA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Transunion concerning a student loan that was reported 90 days late. I provided documentation provided by the creditor that showed the account as having been current for the past three years. The account was never late during the time disputed, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The creditor provided three separate lines of credit, two of which were reported as late. On XX/XX/XXXX, I was informed by Transunion that the investigation had been completed, but when I checked my credit online, only one of the two disputed lines under the same account number had shown as " current '', and the one that was now current and had been reported as late, still showed a missed payment in XXXX which is not correct. I was negotiating to purchase a car under a limited time offer by the State of California 's vehicle retirement program that would provide a down payment towards the purchase of a newer vehicle. That offer would expire XX/XX/XXXX. I had no additional time to wait as another dispute would take 30 days. Therefore, when the Transunion score came back as XXXX, but my XXXX and XXXX  scores showed a corrected report of XXXX after only 24 days since filing the dispute, I was only offered a rate of 7.99 % APR and had no choice but to accept. Transunion 's error and failure to correct the report within 30 days has resulted in an added cost of potentially more than a thousand dollars on this loan. I have asked the new creditor to check the Transunion score as of today, XX/XX/XXXX and provide a lower interest rate based on the corrected information, but they are under no obligation to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: VA

Complaint narrative:
Back in the beginning part of XX/XX/XXXX I reach out to the regional of the office never got a response back so I had to keep calling the area manager and new area manager finally called me back she stated that she never got my message. Her name is XXXX and I stated to her that I was given wrong information about my account when I made the payment they applied it to the month of XX/XX/XXXX not XX/XX/XXXX so its showing on my credit report that Im in 30 days late theyre telling me that they can not go back and change it and I told him yes you can because I was given the wrong information I have tried on several occasions to have this matter rectified and to have it reporting correctly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have been involved as a Defendant in a contested foreclosure action. I have both attempted to settle the matter and disputed the validity of the alleged debt. Unfortunately, several attempts to modify the loan were either botched or were not serious offers. I was forced to file bankruptcy to stop the sale of my home. 

There was an approved loan modification offer sent by mail which was sabotaged in XX/XX/2018 by the Ocwen/XXXX attorney XXXX along with my Bankruptcy attorney. XXXX made several token offers which did not appear to be serious. During this time, I attempted to access the Ocwen website and found that my account was blocked / flagged. My attorney has asked for a break down of arrears in which we received no response. Our calculations show the balance to be close to {$110000.00} where Ocwen claims a balance of {$150000.00}. 

I represent myself in bankruptcy and I am told by Ocwen to speak with an attorney. I am now pro se and my attorney friend is only consulting and assisting in certain areas. I informed XXXX XXXX numerous times that I represent myself and that information must be released to me only. The trigger to these events appears to be the discovery by bank Attorneys that an approved loan mod was sent " inadvertently '' in XXXX. 

The loss mitigation/loan mod program run by Ocwen was designed to fail in my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
I received notification from XXXX XXXX in regards to a debt that I was unaware and NEVER received a letter. however what concerns me is that I rent from this company - theyve have not informed no letter about debt validation / verification. This collection is absurd and really believe this company did not do proper ways to contact. I have not resided in the residence since 2015. Why would it appear on my credit. XXXX XXXX has been sold 3 times, when leaving the company a Walk-thru is required ( inspection ) and a {$0.00} balance is required to be able to rent another property from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: TX

Complaint narrative:
I filed Chapter XXXX in XX/XX/XXXX, and XXXX was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.

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 2018-06-13 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 filed Chapter XXXX in XX/XX/XXXX, and XXXX was notified and accepted voluntary surrender. My bankruptcy discharge was on XX/XX/XXXX. Within a month, I started disputes with CRA 's to correct information on my reports. At no point in the term of my loan was it late and the loan was current at the time of filing. 
As of their latest update, they are now reporting payment history beyond my discharge date. 
My reports should be showing XXXX balance, closed, and the notation of included in bankruptcy. They continue to report inaccurate information stating late payments ( which the account was never late ), and now are adding information dated beyond the discharge, which is causing irreparable damage during this difficult rebuild. I would consider this retaliatory behavior or active collection activity.

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 2018-06-13 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: NY

Complaint narrative:
On XX/XX/XXXX, Transunion responded to my CFPB complaint # XXXX stating that they called the credit grantor and verified two account that are inaccurately reporting on my Transunion credit report : 1. XXXX # XXXX 2. XXXX XXXX  # XXXX On XX/XX/2018, XXXX responded to my CFPB complaint # XXXX regarding the exact same accounts. They also called XXXX and XXXX XXXX and informed them of my dispute. As a result of XXXX  thorough and complete investigation, the above-mentioned accounts could not be verified, and have been removed from my credit report. Its quite clear that Transunion is not doing a thorough and complete investigation, which Im sure, is a violation of the FCRA.

Transunion has had more than enough time to conduct their investigation, and Im still waiting for the evidence proving that these accounts are mine, or that I have the liability, responsibility or ownership of the above-mentioned. 


Transunion need to delete the accounts now. 

I have attached XXXX  response to my CFPB complaint and their investigation results dated XX/XX/XXXX confirmation # 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 2018-06-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian is reporting a hard inquiry XXXX on my credit report, but I never applied for any products from XXXX. I uploaded a copy of the certified return receipt from the dispute I filed with Experian and as of XX/XX/2018 the hard inquiry is still being reported.

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 2018-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
We had mortgage with Nationstar ( now Mr Cooper ). We struggled to make payments were behind by about XXXX. We filed Bankruptcy and paid about XXXX to attorney to save our home. Today we received a letter stating Mr Cooper found a way to save us money our interest rate will be lowered to 4.275 %. ( This is the rate it should have been for years ) but now they are lowering our payment to XXXX from XXXX and XXXX will go into no interest deferred account. We have a lawyer looking at this before we sign but I feel we paid for Bankruptcy fees and they had errors also our lawyer said where is our interest for all that we paid and where is our interest for this XXXX. I feel someone should review our account because they have cost us a lot of money and it is wrong. Please look at this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: OH

Complaint narrative:
I have sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting documents stating that the accounts are inaccurate and don't belong to me. 

XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX   - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13 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: FL

Complaint narrative:
My wife - and I are in the process of looking for a new home. We found a home and our realtor - forwarded us the offer to be initialed and we did so. After the completion of the offer document later in the day on XX/XX/XXXX we received an email from our realtor 's XXXX email id asking for confirmation if we were ready for the deposit/ernest money for {$3000.00} as mentioned in the offer document we signed earlier in the day. 
We transferred the money at XXXX based on the reply we got from that email id since it had the bank details : -- -- -- -- - Routing instructions : Bank Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ABA Number : XXXX Account Name : XXXX XXXX of XXXX XXXX Account Number : XXXX -- -- -- -- - We tried calling the Bank of America right after we realized talking to the realtor on the phone but the bank department was closed by ( XXXX ) then and was advised to call the next day -XX/XX/XXXX in the morning at XXXX XXXX. I called up at XXXX XXXX next day but was told that the fund had already been transferred so am following up now about the money recall claim filed with the bank.

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 2018-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I logged on my online banking and saw a lot of fraudulent charges, I contacted the Wells Fargo branch to notify them. During the phone call, the bank teller stated " the branch manager is out at lunch ''. I then requested a full print out of my account and the teller stated she would pass the message and have the branch manager call me back. 

He never called me back. I called for 7 days in a row. He still was always unavailable and he never called back. XX/XX/XXXX - I was notified via email that my account was closed. 

This has been extremely stressful. I lost my apartment, I lost my car. After the fact, they still refused to give me a print out of my bank statements. I banked at Wells Fargo because I trusted them, they are there to take your money but when I report fraudulent / unothorized transactions or try to get help with fraudulent and unothorized transactions they close 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 2018-06-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i I have tried to Disputed this {$94.00} collection of a medical bill with Equifax. I never recieved a bill at my home address or through my Medical insurance. I've been trying to get them to validate this debt XXXX and XXXX have deleted it from my credit report because this debt has never been validated. There website never let 's you check the status of the dispute when they give you a solved dispute conformation number so frustrating dealing with this bogus {$94.00} dollar debt that I never recieved any bill for. This is debt that easily could have been paid or made payment arrangements on I would not let a {$94.00} medical bill go to collections that's ridiculous I would just like for Equifax to do what's right and remove this from my credit report to whom it may concern thank you for looking into this situation for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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:
I called the bureau to remove inquiries that I did not recognize from my report they refused and proceeded to tell me that the inquiries were correct.. It was also several variations of my name, addresses, and phone numbers that were not mine on the 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 2018-06-13 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: OH

Complaint narrative:
I have sent numerous amounts of letters disputing the following accounts below to the credit reporting agency listed over the last 9 months. They have yet to remove the items from my credit file even though I have provided them with supporting document that the accounts are inaccurate and don't belong to me. 

XXXX XXXX- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
OnXX/XX/XXXX I received a email from XXXX informing Alert : Change To your credit file Detected. I contact them to ask them who inquire in my credit and they do not provided me any information they ask me to paid a credit Report. When I review my credit report from my bank loan I saw my score decrease from XXXX to XXXX, 14 points below on XX/XX/XXXX. This is very frustrated because I am working hard to fix my credit, I am planning to refinance my car and now if they do a inquiry in my credit that will affect. immediately y check into my Bank profile who also provided me information about inquiry and I noticed that the Bank SYNCB National Credit Cards/Airlines inquire my credit report with out my consent. Immediately contact the Bank and they said that I need to contact the credit Report and vice versa to fixed my score. That day I made more than 10 calls trying to find who was responsible for inquiry in my score. My big surprise was the date of inquiry from SYNCB National Credit Cards/Airline said that was on XX/XX/XXXXand that's not true I am monitoring my Bank account and that inquire was not there before in the credit Report. That inquiry appear the same day of my credit Report Decrease from XXXX. I opened on XX/XX/XXXX a account for XXXX  credit care Same Bank SYNCB but closed the account, never used the credit. SYNCB provided my information without my permission and affect my credit. That bank inquire my credit and they put a different Date. I never ask for credit/airlines. They denied any responsibility and what they advise me was to contact XXXX. I also tried to contact Complaint department from the bank and they did not transferred my call, they advise me to contact XXXX XXXX. I Was very frustrated because I am in the middle of this situation and now nobody know nothing about it. Attach my credit Report the inquire information of SYNCB and the XXXX Email, 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