vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-01 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: Ocwen Financial Corporation
State: MA

Complaint narrative:
My mortgage payment was due on XX/XX/2016, to Ocwen Loan Servicing LLC. Ocwen has designated XXXX XXXX XXXX as a means to make payments directly from Ocwen 's website. XXXX or Ocwen charges a {$10.00} fee which Ocwen collects. On XX/XX/2016, I went to the Ocwen website, clicked the tab to make a payment, and XXXX XXXX XXXX popped up and I made the pay due. I was given an email confirmation of the amount paid, the {$10.00} fee charged and that it would be posted on that day XX/XX/2016. I have this email. Aparantly, the payment did not post that day, despite the email confirmation stating it would be posted the day of payment. Ocwen then reported me as 30 days late to all three major credit bureaus and refuses to take any corrective action. Perhaps Ocwen should not be telling customers that the payment posts the same day as payment is made through it's XXXX XXXX link. I believe this should be removed from my credit report, but Ocwen won't budge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On or about XX/XX/XXXX I received a streamlined loan modification trial {$3200.00} from XXXX XXXX XXXX. I successfully completely the 3 month trial by paying {$3200.00} before the due day XX/XX/XXXX, XXXX XXXX, and XX/XX/XXXX. I was told not make another payment until I heard from the new service company Shellpoint because the Service rights were transferred XXXX.I made my XXXX payment on or XX/XX/XXXX to XXXX. I called XXXX they informed me that my modification trial was successfully completed and the new service company would continue with my modification which was 187 additional months. I received a welcome package and a statement saying make of about {$2200.00} to be paid XXXX XXXX. I called 6 times to inquire about my modification agreement and I didnt hear back from Shell point. I received a Notice of default dated XXXX XXXX and no modification. I called XXXX and the said everything was sent to Shell point and they would honor the modification. I contacted Shell Point on 6 different occasions and they claim they have more knowledge of me being in a workout or trail modification. I informed them that I completed the trail days before they acquired the rights to service the loan. I left many messages and sent 2 letter. The only Ive received is a notice of default and I was told that have I made the 3 payment I would no longer be In default.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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:
ACCOUNT WAS OPEN WITHOUT ME KNOWING

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: ONEMAIN FINANCE CORPORATION
State: NE

Complaint narrative:
I have requested documentation on the OneMain Financial Account. OneMain Financial has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally OneMain sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/2020 a Credit Limit Increase was requested on my Best Buy by CitiBank Credit card. This request was denied for the following reason ( s ) : " Unsatisfactory existing account payment history '' By definition this is stating that I have poor payment history. Which is inaccurate, unethical and is a violation of the agreed terms and conditions of this account. I, XXXX XXXX XXXX XXXX, Have never previously utilized this account, no payment 's have ever been due, account has maintained a XXXX  balance since opening 6+ months ago. Below is attached the denial letter, and a copy of my credit report showing that the payment history on this account is reporting as " Satisfactory ''.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: FL

Complaint narrative:
My wife and I suffered significant damage to our home During Hurricane Irma in XXXX. Like many others, collecting from our insurance company was a struggle and we ultimately had to pursue litigation against XXXX XXXX to obtain a fair and equitable agreement. We finally settled our claim almost 2 years later. Once we received our settlement check, it was written out to both our Mortgage Company, Roundpoint mortgage Servicing, and ourselves. I got online, opened an insurance claim notice and submitted the endorsed check along with all our receipts to Roundpoint on XX/XX/XXXX. We completed our work and repairs on our home more than a year ago and well before the insurance settlement occurred, paying all our expenses out of pocket and doing most of the repair work ourselves. When I submitted the documentation, I informed them of that and requested an Inspection so the full amount could be released to us as soon as possible. 
It is now nearly 2 months later ... I have received only 2 phone calls and 1 written communication from Roundpoint with a check for slightly more than 10 % of our total insurance settlement and equal to the amount in materials I submitted as part of my paperwork. During both phone calls I placed to Roundpoint, I asked that they please schedule an inspection to release the full amount. I also asked that they release XXXX of the overall settlement up front as it states in their insurance claim processing documents. Both requests have gone ignored. 
It has now been almost a month since I last spoke to them or received any correspondence and I feel that the bank is attempting to hold my funds for their own benefit ( and without interest! ). 
Please help us. We need our funds. The work was completed years ago. We are nearly 3 years since Hurricane Irma and have yet to be made whole. When will this nightmare end?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: American First Finance, Inc.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My loan service company changed XXXX XXXX XXXX. After the new company ( Shellpoint ) did an escrow analyst it is showing a shortage of almost {$9000.00}. Come to find out they never got proof of me paying hazardous insurance since XXXX. Ive always had lender placed hazardous insurance because it is cheaper for some reason but the company is telling me that it is my responsibility to find all the policies for the last 13 years. I want to know if this is legal and if they can back charge me for this. It even shows in their system two insurance claims Ive made, XXXX & XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I only had deposited XXXX into My new account at BB & T and spent it all in XXXX. I did not ask the bank to pay for any overdrafts in my contract explicitly. 
Today at XXXX XXXX I deposited XXXX Into the same account. I discovered my debit card was blocked, so I went to an ATM at the airport to see what was going on with my account and made an inquiry. The ATM said my account was negative XXXX. Which is not true because the XXXX was just spent up today and I could make no purchases the entire day and just deposited XXXX and out of no where the Airport ATM is saying my bank is trying to steal XXXX from me in fraudulent false miscellaneous fees. This is an error and I dont have a negative account. I need assistance because I fear my bank is trying to quitely steal almost 700.00 from me without cause. Please have management contact me and not a representative of a manager.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
Ally Bank received the payoff from the car dealership for my car on XX/XX/XXXX. It is now XX/XX/XXXX in the car is not reflecting has paid off. It is also reporting negatively on my credit. This situation also it's allowed me to fund another car loan because I had too many active car loans showing. I specifically want three things, for the loan to be reflected as paid off immediately, for the negative reporting of my credit to be corrected, and to be compensated for my time and frustration. I'm not looking for huge amount, but something that is fair. 

Ally Bank claims that the payoff was sent to the wrong address, although on the internet it clearly shows the address where the payment was sent as the correct address. Regardless, it's all the same company in to take two weeks to reflect this car haven't been paid off on my account it's inexcusable. Again, I will reiterate, if in fact it was sent to the wrong payoff address, it was sent to a payoff address. Certainly Ally Bank must have means to correct this within 2 weeks ( I have all documentation proving the date of the delivery of the payoff check to Ally, gladly will share upon request ). 

I think the worst part of this entire ordeal has been the utter lack of concern by Ally Direct to correct their mistake. Really sad to see they are buying another bank to spread their horrible customer service to a bigger geography.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NE

Complaint narrative:
I have requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NE

Complaint narrative:
I have requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 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: NE

Complaint narrative:
I have requested documentation on the XXXX XXXX Account. XXXX XXXX has been unable to validate this account and has only provided me with a payment history. 

All three credit bureaus are reporting this account as " verified '', although all accounts have different information on several sections of the report. 

I been disputing this account for over a year, and finally XXXX sent me a letter that reported they were not able to provide me anything but a vague pay history, which validate or proves absolutely nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Transunion reinserted XXXX XXXX back onto to my credit report without any notification. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from 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 2020-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP
State: GA

Complaint narrative:
The XXXX  XXXX XXXX account reported on my credit report is not mine. The account that was reported even has my name spelled wrong its spelled unque when its unique. I have disputed this almost every week for 6 months straight since XX/XX/XXXX every since I found out about the account. Ive called and they repeatedly told me there is nothing they can do. They keep calling my phone even when I say it isnt me they have called and emailed me every day. Account ending in :XXXX  Amount:XXXX. 


I am not responsible for this account please help me 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