vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-10 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: PR

Complaint narrative:
On  XXXX   XXXX  sent a letter to Equifax to validate the information they reported on  XXXX  accounts in my credit report with  ( US  BANKRUPTCY COURT ) and provide me with copies of any documentation associated with the accounts  XXXX   XXXX  I received a letter from Equifax on  XXXX   XXXX   XXXX  confirmation  XXXX  with the results of th eir re  investigation " the disputed bankruptcy accounts  XXXX  and  XXXX  are currently not reporting on the Equifax credit file ''. That information is not true, both accounts appears in my Equifax file reported by them.     I sent another letter on  XXXX   XXXX  by certified letter  XXXX  regarding the last confirmation  XXXX  asking why they still reporting the  XXXX  accounts  XXXX  and  XXXX , if they mentioned in the last communication " are currently not reporting those accounts in the Equifax file '' On  XXXX   XXXX   XXXX  I received a letter from Equifax confirmation  XXXX . They wrote me " the disputed BK case  XXXX  is currently not reporting on the Equifax credit files '' but in the same letter said " part of the results of our re investigation in  BK   XXXX  we have verified that this public record item is reporting correctly ''. Equifax sent another letter on  XXXX   XXXX   XXXX  confirmation  XXXX  well similar to the previous letter confirmation  XXXX .     On  XXXX   XXXX  I sent another certified mail letter  XXXX  replying Equifax confirmation letter  XXXX  ask once again to provide me with copies of all documentation associated with these public records accounts, Equifax received the letter but never answered it.  XXXX   XXXX   XXXX  In my last attempt to claim my rights, I sent another certified mail letter  XXXX  on  XXXX   XXXX ,  XXXX  asking once again to provide me all documentation associated with these public records.I gave them exactly 30 days to complete the re investigation as outlines per credit report ing act 623 ( a ) ( 3 ).  They received the letter on  XXXX   XXXX   XXXX  and never answered the letter once again.   Per federal credit reporting act  section 609 ( a ) ( 1 ) ( a ) Eq uifax are required by federal law to verify through physical verification of the original signed consumer contract and or judgments.All accounts and public information that you post on anyone credit report.   Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information.As such, if this unauthorized public records information is not deleted from my credit report within the next 30 days. I will be filling a complain to the CFPB. THEY PAST MORE THAN 120 DAYS A THE ACCOUNTS STILLS IN MY REPORTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I have had a mortgage on my home  in good standing with on time payments for seven years. The company handling my mortgage, Ocwen is not reporting to any of the credit bureaus. I have contacted them on at least five separate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that Ocwen is n ot properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
On  XXXX  2017  I file a complaint against Compa ny SANTANDER CONSUMER USA r egarding the Validation of debt on So call Debt owe to them.. That 's affecting my credit report and my ability to make a big purchase on a Home. I was provided with a Documention that was n't completely accurate with  Information  submitted on my credit report, also the Signatures were obviously not mine misspelled my name.. The point of complaint today was to determine the authenticity of this account from a legal point of view.. On    XXXX  2017     XXXX  Removed this account From the PRIMARY ACCOUNT HOLDERS Credit Report after it was Disputed the sameway as I am today, So if It was Determine by whoever made the decision that this Account was an Error and removed it. Why have n't it been removed from a ll my Credit reports when without the primary account holder there is n't a contract

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I and my short sale negotiator, has been trying to work with baview loan LLC, for over a year now. I was approved for the short sale, to prevent foreclosure. But it has been very difficult dealing with the asset manger,  XXXX   XXXX . Below I ATTACHED an email thread from my realtor, the conversation he has had with  XXXX   XXXX , we have found a buyer, also the contact has been signed. The expected closing date  XXXX / XXXX / 2017 , I received a letter from bayview  XXXX   XXXX ,  2017 . The letter was dated  XXXX   XXXX ,    2017  stating I was denied a short sale, due to timing and they do n't have enough time to process the paper work. I have been trying to reach out, I was told they dont know who I am, also I 'm not authorized to speak with  XXXX   XXXX . Which is very strAnge because I was sent letter, also i have spoken with  XXXX   XXXX  on several occasions. They sent a letter 15 days after they summited to foreclosure. Which doesnt make since, if we have gotten an appraisal on the home, found buyers, they have excepted the offer and all parties have agreed to the terms. Including  XXXX   XXXX   XXXX   (  asset manger ) at Bayview loan LLC. After the letter there have been several attempts to contact  XXXX   XXXX   XXXX , via phone and email. Several voice mails. Also we have reached out to customer service, to seek help or some type of answers. On why was a foreclosure sale has been in place. We have been doing everything we can to work with  XXXX   XXXX   XXXX , but it has been no success. My loan is a Va loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 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: SC

Complaint narrative:
Sent several letters and faxes to  XXXX , Transunion,  XXXX  requesting that information be removed that has not been validated with supporting documents/contracts. This has not happen.  XXXX , Transunion,  XXXX  keeps coming back stating the information has been verified, but will not respond to me requesting supporting documents to validate the account or information pertaining to who verified and validated the information from the creditor.  XXXX , Transunion,   XXXX   is violation under the FCRA.

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 2017-05-10 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV funding has been re aging a collection account, which is causing me a financial hardship and purposely defaming my financial history as well as, purposely causing my score to decrease. LVNV deletes the account from the credit reporting agencies then adds the collection account as if it is a new one. Directly causing my score to go down. A direct violation of my rights according  to FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Google Compare Credit Cards Inc.
State: MA

Complaint narrative:
On  XXXX   XXXX , I initiated a transfer of {$1000.00} from  my Google Wallet  balance to my debit card ending in  XXXX  using website wallet.google.com. The website returned me an error stating that 'The transfer could not be completed, please try again '. However the money was still deducted from my wallet balance and never returned back to my wallet.     I looked at the transactions on my wallet account and could see a transaction with Id :  XXXX  with status as PENDING created at  XXXX   XXXX ,  2017   XXXX   XXXX .     I reached out to google wallet support via chat agent (  XXXX   )  and she advised me to wa it 24-48  hours while she escalates the issue to a  specialist. I got a response next day telling me that the money should be in the bank account. I responded telling that this is not correct as the money is not in the bank account and transaction still shows status as Pending. I received another standard response to wait 24-48 hours.      On Monday  XXXX   XXXX , I contacted google wallet support via phone. The agent worked me to troubleshoot and we even contacted my bank to check for any incoming transfer.   Bank verified that they do n't see any incoming transaction. The Google agent advised me to w ait 3  business days as he confirmed that money has been sent to Bank by Google.     On  XXXX   XXXX , I contacted google wallet again via phone since the money is still not in the bank. I spoke to a supervisor who looked at the account and mentions that while he sees deduction of {$1000.00} from my wallet balance but he do n't see any transaction. So basically now google seems to be in a denial mode for any existence of a transfer. However since the supervisor could see deduction, he mentioned that he is going to escalate the issue t o Tier-3 support an d advised me to wait again.     I am writing to CFPB to provide help in getting the money refunded back eith er to Google Wallet balance or the bank account it was being transferred to but not stuck somewhere in google IT systems on support who have no clue. This issue has taken a lot of time and mental troll due to being with Google support via email/chat/support.

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 2017-05-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: RI

Complaint narrative:
My total loan was {$16000.00} - disbursement began  XXXX  and completed  XXXX . I started making payments in  XXXX . I called a couple years ago to go over payments and when my loan would be paid and was told it would be done by  XXXX . My loan balance has not changed much in the past 12 years and they show I still owe  $ 9000+  I 've requested 3 times a print out of my payments and each time they only provide from  XXXX  and  XXXX  but will not provide me with  XXXX . I ran my loan in an amortization schedule and this should have long been paid for. I 'm getting no where with them and I know this should have been paid in full by now. I feel like they have me backed in a corner and are ruining my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
CitiMortgage sold  my mortgage to  XXXX  last month. I have been paying my monthly mortgage by phone because it is a free serves from CitiMortgage. When I went to pay my monthly bill to  XXXX  by phone they are going to charge me {$15.00} for the transaction. I called customer service at both  XXXX  and  CitiMortgage  to complain about the fee and both said the standard " we sympathize with you situation '' and nothing else. The reason I choose to pay by phone is the post office has taken over 10 days to deliver my payments and with all the computer hacking I do not want to pay via internet. So CitiMortgage got to reap the benefits to my good credit rating to sell my mortgage and I lose my payment option - how can this be legal?

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 2017-05-10 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: Exeter Finance, LLC.
State: IL

Complaint narrative:
I last made a complaint in reference to consumer finance in  XXXX     2017  for complaint #  XXXX  which exeter finance said they would buy back the loan and report the loan paid and settled sine they never properly notified me of the sale of the vehicle and it is still reporting incorrectly as if i owe the full balance it has been well ov er 45days therefo re it sho I ld be removed for being incompliant and not reporting correctly. I have called them several times about this situation to resolve and they still have not reported correctly. In there last response to cfpb they stated it would be bought back reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
I have been working hard to avoid foreclosure on my home at  XXXX   XXXX   XXXX  and each time I get close to finally completing a short sale,  Ocwen  puts the property up for auction. A contract was presented  to Ocwen and after months of waiting for their review, they came back with a counter-offer and then had the property in foreclosure without giving the buyer the opportunity to respond to the counter. Ocwen was then given a better net amount than they requested but still the property is in foreclosure. This has been such a mentally draining process and it seems that the closer I get to completing a short sale, I keep getting resistance from Ocwen. Please help and have the foreclosure lifted and this short sale completed once and for all.

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 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have had a mortgage on my home in good standing with on time payments for seven years. The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at least  five  separate occasions about this issue. Their canned response is that they are reporting to all   XXXX   bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all  XXXX  credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  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 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have had a mortgage on my home in good standing with on time payments f or seven years . The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at lea st five se parate occasions about this issue. Their canned response is that they are reporting to all three bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all three credit bureau 's insist that   XXXX   is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have had a mortgage on my home in good standing with on time payments for seven years. The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at least  five  separate occasions about this issue. Their canned response is that they are reporting to all   XXXX   bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all  XXXX  credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  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 2017-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
In  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  conducted an unlawful foreclosure of the homeowner 's property. In a subsequent eviction action homeowner challenged the foreclosure and the parties agreed to rescind the foreclosure and give homeowner a loan modification allowing homeowner to remain in the home with an affordable mortgage. The servicing of the loan was transferred t o Ocwen Loan Servicing, LLC  and the Modification Agreement was signed by the borrower on  XXXX   XXXX ,  XXXX .  Borrower has made all required payments under the Modification Agreement.   However, in  XXXX   XXXX   Ocwen  returned her  XXXX  payment because the check inadvertently did not have a specific date but just said  XXXX   XXXX . Borrower sent a new check for the  XXXX  payment but since then there have been continued problems with Ocwen accepting payments. In  XXXX   XXXX  borrower sent a bank check -  Ocwen  claimed it was never received but borrower 's bank says the check was deposited. The remaining checks from  XXXX   XXXX  on have not been accepted by Ocwen and have been returned to the borrower. Through counsel borrower contacted the attorney for Ocwen who handled the recession of the foreclosure. Borrower sought to pay the money owed but there appears to be a difference in the amounts the borrower an d Ocwen believe are owed. Counsel for Ocwen now says they are no longer handling the case. In addition Ocwen is claimin g borrower is in default and have begun the foreclosure process. Borrower is more than willing to pay the amounts she owes for the months of  XXXX  through  XXXX  and wants  Ocwen to immediately stop all foreclosure proceeding. Borrower does not believe she should be charged for late fees and property inspection fees as these were incurred because of Ocwen 's failure to accept timely paym ents.

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 2017-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc.
State: SC

Complaint narrative:
I am in receipt of my credit report dated  XXXX   XXXX ,    2017  attempting to collect a debt from me. I have never done business with you. In fact, I had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you hence owing you money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation