vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-20 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: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
My account ( # XXXX ) with Specialized Loan Servicing ( SLS ) has been positive with no late payments for well over two years since early XXXX. In XX/XX/XXXX, I obtained a written payoff quote of {$2300.00}. 

On XX/XX/XXXX, I made two payments - one electronic payment via their website in the amount of {$1700.00} and I mailed a certified cashier 's check to their office in the amount of {$600.00}. The electronic payment posted to my account within 24 hours and the check payment posted XX/XX/XXXX. 

On or about XX/XX/XXXX, SLS reported my account as delinquent for the month of XX/XX/XXXX. This inaccurate reporting has resulted in negative marks on my credit files with the three major credit reporting bureaus and caused my XXXX credit score to drop over 50 points. 

PLEASE HELP ME! I am due to close on a new home on XX/XX/XXXX and this inaccurate reporting will likely cause me to be denied approval of my new home and mortgage. Their representatives have been quite difficult to work with so I am seeking your intervention and guidance. Please help!

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 2019-10-20 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: NY

Complaint narrative:
I had to file chapter XXXX bankruptcy in XX/XX/2019, as a result my loan account with XXXX XXXX was closed as of XX/XX/2019. Company refuses to acknowledge that this account was included in filing of Chapter XXXX and continues to report the account as open on my Credit reports and they still attempt to collect on this account. I have contacted them directly to no avail I have written letters, filed disputes with the credit Bureaus and they keep reporting the false information as accurate even though when I view my account status it is showing as closed-paid in full. They also refuse to notate the account as included in Chapter 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 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditor's Collection Service, Inc.
State: VA

Complaint narrative:
XX/XX/2018, {$85.00}, I didnt know anything about this debt. I honestly thought my insurance paid it. I tried to dispute it but since I am on my mothers insurance it didnt allow me to because it has her name on it.

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 2019-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: SC

Complaint narrative:
I am writing a complaint towards Vanderbilt Mortgage. I loss my husband in XX/XX/2017 and I struggled making my home payment because I had lost my husband income. I had life insurance money so I exhausted all of my funds paying a XXXX payment. I reached out to Vanderbilt for loss mitigation and they denied me. I went through a third party to put together a budget saying what would a resonable amount for me to afford with this home and they still said I could afford home. I have reached out to Vanderbilt several times for help. I have filed ch XXXX bankruptcy and went through a lawyer office to go through loan modification and denied loan modification and they are still saying I can afford the XXXX payment plus my bankruptcy payment plus other bills. I even wrote a hardship letter saying what I could afford. I have a 9.31 % rate and that is predatory lending. This is not the first time I have heard how Vanderbilt rips their customers off and throws people out of their homes without helping them stay in them. The government gives out funds to help with situations like this so where is VMF doing with the federal funds to the the customers that are really in need. I have even changed jobs so that I can show that by lowering my payment that I wouldnt get behind again. They are not willing to help their customers stay in the homes and they need to be investigated. They are a hard bank to deal with.

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 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
I have never received any notification of debt from the collection agency. I found out about the debt when I check my credit report. I disputed the collection with XXXX but it was not removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has restricted access to my account ; of note they owe me money. Repeated phone calls have proven useless. They have asked for copies of ID, which has been provided. 

My credit score has been in excess of 800 for I think 20 years. There have been no questionable transactions on this account that I am aware of. 

The account number is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MD

Complaint narrative:
Hello, I had held a XXXX XXXX credit card through US Bank for several years. I responded to a 0 % balance transfer offer on XX/XX/XXXX, at a transfer cost of {$390.00}. When the annual fee hit my account on XX/XX/XXXX I called on XX/XX/XXXX to see if it could be removed. Customer service representative XXXX informed me that I could close the account and the fee would be refunded. I notified her that I had a 0 % interest transfer that I was still paying. She placed me on hold and came back to say that I could continue with the 0 % interest until XXXX even if the account were closed. I asked again and she assured me that I could continue to pay based on the terms of the balance transfer. 

I checked my account on XX/XX/XXXX and {$230.00} in interest had been charged. I again contacted US Bank. Another CSR said that interest had accrued since the card was closed and that this was US Bank policy. I explained my conversation with XXXX and that the balance transfer offer did not have any such language on it, he put me on hold and came back to say that the interest charges would be reversed, and that he would look into why the annual fee had not been reversed. He cautioned me that he could not continue the 0 % interest until XXXX, in spite of what XXXX had assured me and what was written on the transfer offer. I asked what this meant going forward and he said I would need to pay off the card before the next statement date or I would be charged interest. I specifically asked if I paid off the card by the due date if I would be charged interest and he said if it was paid in full no interest would be charged. I paid off the credit card prior to the due date. I just received a statement and have another interest charge of {$170.00} even though the statement was paid in full. It also does not appear that my account is closed.

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 2019-10-20 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: NC

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA , with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I  also have report this account to the FTC, and XXXX Police Dept.I need  this collection account to be removed from my credit report.XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

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 2019-10-20 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: NC

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX # XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 )  XXXX XXXX # XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA XXXX with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX XXXX  has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 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: NC

Complaint narrative:
my name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I am having issues with inaccurate in information on my credit file. I have several different SS showing on my credit file that are not mine XXXX, XXXX, XXXX, XXXX please delete remove them they are not mine. Please remove the following addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I dont live at those addresses not sure how they got on my credit report please delete them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I am a XXXX XXXX and I have tried to Modify my loan with XXXX XXXX XXXX for at least two years. I also XXXX XXXX XXXX for the school system. I have proved everything over and over again to XXXX XXXX XXXX. With finally getting a complete acceptable package for XXXX XXXX XXXX, when we called to check the status, they informed me that my loan was no longer serviced by XXXX. I asked how will I know who has my loan now? They said I would get it in the mail..and I did receive a letter in the mail from the new Servicer SPS on the XXXX of XXXX and two days later a sale date for my home for XX/XX/2019. 

I have never received any other correspondence from Specialized Loan Servicing except two letters. I never received any mail from XXXX XXXX Loans, I found out information from calling to check on my account. 

Please help me save my home. Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The situation is as follows : Portfolio Recovery Associates, LLC ( PRA LLC ) is  reporting to the credit reporting agencies that I have a debt of {$650.00}. 
The claim is that the seller of the account was XXXX XXXX. I have no record of this account and asked to see validation according to the FCRA. PRA LLC failed to follow the guidelines as to acceptable validation documentation.

PRA LLC provided me with a copy of a bill that I have never seen before.The bill was a incomplete bill as it did not contain lines of itemization in order to see what dates the purchases were made and as to how the amount has been calculated.

I have never entered any contractual agreements with PRA LLC and do not plan to in the future. Again, I do not have any records or recollection of this account.

PRA LLC has stated that it has ended its investigation and that they have established its validity. PRA LLC has not established validity that the stated account belongs to me. 


Regards, Mr . XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XXXX i got call from US bank requesting me to visit nearest US Bank branch to update my ID, which i did on XX/XX/XXXX i visit the branch on XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and i did what they asked me to do Later on XX/XX/XXXX i got call from the same number asking me to go again to nearest is branch to answer some question about transactions happen in my account which i did, on XX/XX/XXXX to find out that my account had Hard block on it since XX/XX/XXXX and the manager assistant was not able to remove the hard block on my account stating that they need to check further, the same thing happened on XXXX and the account was hard blocked for more than 22 days and for no known reason which am afraid the same will happen this period no one know why my account is blocked, nor when this account will be unblocked thanks

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 2019-10-20 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: ID Analytics, Inc.
State: PA

Complaint narrative:
This is in reference to a complaint I previously filed with Sage Stream LLC. It has nearly been a month and I have not received the copy of the credit report promised to me in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: NC

Complaint narrative:
my name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I am having issues with inaccurate in information on my credit file. I have several different SS showing on my credit file that are not mine XXXX, XXXX, XXXX, XXXX please delete remove them they are not mine. Please remove the following addresses :XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX XXXX dont live at those addresses not sure how they got on my credit report please delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
my name is XXXX XXXX XXXX my SS is XXXX, my DOB XXXX I am having issues with inaccurate in information on my credit file. I have several different SS showing on my credit file that are not mine XXXX, XXXX, XXXX, XXXX please delete remove them they are not mine. Please remove the following addresses :XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX NC XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I dont live at those addresses not sure how they got on my credit report please delete them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received a letter in the mail that my current Walmart Card which is still valid and open will be transferred to Capital One. I am using the same card and account number and my account is not closed. XXXX XXXX is reporting that I have closed my credit card which is negatively impacting my credit. I now have duplicate listings of the same account with Capital One which is the same account and card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
We have tried to fix the problem first with Ocwen Loan Servicing now PHH We applied for a Loan Modification and was approved, and accepted with the understanding that we did not want a Ballon Payment at the end of the Loan.

I have gone through this two times with Ocwen. I received an offer that I decided to take from Ocwen just before the transfer to Ocwen 's new company name PHH. I have tried to get PHH to understand and even faxed to them the offer that Ocwen made to me before the transfer.

I sincerely hope that you can help us make sense out of what is going on with our account now that it is with PHH who claim they have nothing concerning the Modification offer that we decided to take. We don't want to be in foreclosure.

Please help us.

Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
synchrony bank keep reporting paid non account as minds how XXXX is j c penny 's to keep giving account if I didn't pay the first they report three account, XXXX they agreed it was fraud see attached letter and the other was paid by letter

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 2019-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MN

Complaint narrative:
I was contacted by Rausch Sturm on XX/XX/2019 and was informed that my wages would be garnished in the amount of {$1400.00}. The garnishment started on XX/XX/2019 and continued until XX/XX/2019 totaling {$1400.00}. 
On XX/XX/XXXX I closed on a house and was supposed to have a negative closing cost of {$470.00}, which was supposed to be refunded to me. I was told by XXXX XXXX at XXXX XXXX XXXX XXXX that the garnishment still showed up but that she talked to XXXX XXXX at Rausch Sturm that the account was paid off and that they would send me the check. 
I have since contacted XXXX XXXX and he says he never received the check. XXXX XXXX emailed me verification that the check was in fact received and cashed. I told this to XXXX XXXX and he still refuses to admit he cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
cease desist all collection remove collection Debts from File.

Company response to consumer: Closed with explanation