vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 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: OH

Complaint narrative:
I have some issues on my credit file that need addressed, my name is XXXX XXXX XXXX SS XXXX XXXX XXXX. Please remove any other variation of my name it is not accurate ( Please delete XXXX XXXX, XXXX XXXX ) The following addresses are not mine please delete XXXX XXXX XXXX # XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX  XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # # XXXX XXXX XXXX, CT XXXX I have requested documentation from the following 5 collections agencies : XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX # XXXX. Please delete the above accounts they are not accurate and unverified 609,611,623 FCRA violation.

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 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, my son passed away. In early XX/XX/XXXX, I contacted the mortgage holder, SunTrust, to begin the probate process in order to prepare to either sell the house or retain the house for his sister. A customer service representative said they would mail me a package of forms to complete. After waiting a couple of weeks without receiving the package, I followed up. The customer service representative said they needed a death certificate which we faxed to them. Still no package, called again, customer service representative said there was not record of receiving the fax and they needed death certificate and probate letter in order to send the forms. Still no package of forms. Repeated calls, no response. After we closed bank account and auto draft payments stopped we received letter addressed to my son that account was delinquent and a home preservation client representative had been assigned and he was instructed to call or email her. Telephone number provided was not reachable by direct dial had to go through customer service to leave message. Multiple voice mails and emails were unanswered of a 4-6 week period. Letters continued to come. Finally notice of foreclosure from an attorney firm. Talked with the legal firm, they could not provide us a contact. We finally got a call back from the home preservation client representative. She said she would send a package of forms for us to fill out to stop the foreclosure sell and allow us to sell the home in order to regain the equity. She asked us to send the death certificate and probate letter again. We did. Two weeks, no packet. Left message. She called and said did not receive death certificate. We provided the receipt number documenting it was received by her company. Six weeks, no packet, no return call from messages left, no emails answered. Foreclosure attorney continues to move forward with foreclosure sale. We need someone to stop this sale, provide us the paperwork so that we can put the house on the market and sell it. We need time to sell the house. We just recently received the payoff amount from the foreclosure attorney. SunTrust would never provide that to us. My grandson wants to try and buy it but he can not do so in the time remaining.

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 2019-10-17 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: FL

Complaint narrative:
Fraud Activities is going on with someone trying to open accounts I have a fraud alert on all Major Credit Bureaus How is it that they can apply for credit using my personal information with my Authorization

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 2019-10-17 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: FL

Complaint narrative:
Fraud Activities is going on with someone trying to open accounts I have a fraud alert on all Major Credit Bureaus How is it that they can apply for credit using my personal information with my Authorization

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 2019-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
We are in the midst of a loan modification ( mailed XX/XX/19, emailed XX/XX/19 and mailed again XX/XX/19 ) and today received notice of foreclosure and scheduled sheriff sale!!! I thought this was not legal?! We are in the midst of the modification and I have been actively communicating with PHH. I let them know the paperwork was coming more than 7 days ago ( the day it was first put in the mail ), resent by sending scanned and emailed the documents on XX/XX/XXXX and then put them in the mail *again* today XX/XX/19. PHH is dual tracking. They are predatorily pushing us out of our home and wreaking havoc on my family. 
I have already submitted a complaint about their unfair and incorrect attempt at ignoring our original loan modification, which was approved by Ocwen before PHH took over. That is a separate complaint ( XXXX. ). They required us to re-apply for the modification after I spent 5 months trying to correct the problem, which was their mistake and was met only with calls they had me on hold for up to two hours! 
XXXX And now they are pushing us out while we are applying for a new modification ( and they know full well that our circumstances have changed and will make it harder for us to get approved for a modification! ) Please please help get this company on the straight and narrow. Please help us save our home. We are not without money, we are honest hard working people who have suffered great hardships and have tried to kept an open dialog with PHH. 

I have attached the notice of the Sheriff sale from today 's mail. I have also attached the a a c t i v e mortgage modification application

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Unexpected or other fees — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
My bank won't refund my XXXX dollars and XXXX cents

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
On XX/XX/2019, Said XXXX XXXX of US Bank in XXXX, NE, contacted my husband and I via email and phone under the pretense that he needed to review something with us from our last mortgage payment. This was in fact, an attempt to sell us a refinance, and had nothing to do with our visit to the branch. He became argumentative when we raised this concern. We asked the branch manager, XXXX XXXX, who was later CC 'd on the email chain by Mr. XXXX, to contact us directly, and he failed to do so.

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 2019-10-17 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: Lending Club Corp
State: FL

Complaint narrative:
DO NOT CALL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
On XX/XX/2019 I moved out of an apartment complex having given 60 days notice and all rent and bills paid in full. On XX/XX/19 I received an email from XXXX XXXX with a move out statement attached claiming that we owed them {$1100.00}. I replied to the email stating that I did not agree with the charges for the following reasons : 1. A move out walkthrough was not done by a member of management or the office staff ( they had sent the maintenance guy over who verbally said everything looks fine, he did not have any paperwork to sign and gave no indication that there would be any issues. ) 2. No evidence of any work being needed or having been carried out such as photos, receipts etc. 
I received no reply. I then received a second email on XX/XX/19 stating that I had to pay the above amount. Both of these emails came from the apartment complex and even though I replied I did not receive any further communication from them. 
On XX/XX/19 I received a letter dated XX/XX/19 from a company called I.Q Data International claiming to be a debt collection agency and wanted payment of {$1100.00} On XX/XX/19 I  sent a dispute letter via certified mail to this company asking them to verify the debt, provide proof that I owed the debt and in the meantime to not contact me. On XX/XX/19 I  received a second letter from the company dated XX/XX/19, again, asking for payment of {$1100.00}. 
On XX/XX/19 I received confirmation that my dispute letter had been delivered to the PO BOX stated on their letter and then on XX/XX/19 that my dispute letter had been delivered  to their office. 
On XX/XX/19 I received a third letter from the company, again, asking for the amount {$1100.00} to be paid ( this now includes interest ). They had received my dispute letter 14 days earlier yet made no attempt to show proof of the debt and instead demanded more money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: GA

Complaint narrative:
Noticed erroneous {$190.00} added to the loan amount ( not disclosed in the documentation ) and odd amortization.. Monthly principal is {$600.00}. I made the first payment early ( {$610.00} in principal paid ), then made the second payment on-time and {$510.00} of principal was deducted. This does not seem accurate to me. I called the bank and was told that they couldn't reconcile the extra {$190.00} and weren't sure about the principal except that it had to be because i made my first payment early. This didn't make sense and they said they would follow up with loan ops and call me in a few days. That was weeks ago.

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 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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 2019-10-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Initially a construction loan through Trustmark National Bank ( land owned by us ) when we finished building the bank strong-armed us into an in-house loan product with a balloon paymnent due in 7 years. It was never explained to us why we were given this type of loan or why we didn't qualify for a conventional loan. We had qualified through another local bank for a FHA loan but went with XXXX due to our builder recommendation. We had a modification due to loss of job and this is when we learned of the in-house loan and not a FHA loan. I had applied for several federal programs to assist us since I was going back to school for XXXX but they weren't available to me due to our loan type. Even when the modification was given it was never explained to us that we had a balloon payment loan. 
I feel that we have been unfairly targeted because of race. 
Also, the current balance has increased to more than what we initially borrowed for the mortgage and this is after almost eight years of mortgage payments.

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 2019-10-17 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: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
I checked my credit report because I keep getting denied when I try to get a new car. I noticed an account for PROFESSIONAL DEBT in the amount of {$410.00} with theORIGINAL CREDITOR being XXXX XXXX XXXX 

I moved out of this apartment complex in good standing. I did not owe any balances, and received my full deposit back. 

I am unaware of where this debt originated from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed a dispute with bureau to dispute the accuracy and the reportability of several accounts they came back as verified and I know for a fact these accounts where verified with no substantial information thats compliant with the FCRA guidelines, how do I know this? not one of the creditors replied and the ones that replied where trying to get information to from me that they did not have, that they are required to have to report the account.The biggest violation was a violation of the Fcra section 611 ; A ) 6 and 7 ; where I asked this credit bureau that if they verified the account to supply me with the method of verification specific to the each individual account disputed, I asked for whom they spoke with, what documentation did they have? Does the information meet requirements for reporting, and they also know what a method of verification entails, however they ignored it and sent me a generic reply which does not apply to the idvidually disputed items, so they did not properly verify these accounts and did auto verified ... XXXXthe response they sent is uploaded Accounts in question was : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX credit card XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts when I reviewed had so many inaccurate information all three bureaus are reporting different payment dates, different credit limits, different comments such as reason the account was closed, different historical payment histories, they are receiving the information from same furnisher and can not have all these inconsistencies, so Its my reason for asking for a method of verification specific information on these particular accounts, not sending me a generic answer of how they do investigation i know how its done, but i know they did not get any information on these accounts

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 2019-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ONY GLO, INC.
State: CA

Complaint narrative:
Last XX/XX/XXXX, a lending company in XXXX California ( the same lending company who helped us purchase our house ) offered us refinancing our home without closing cost and other fees. We just have to pay for the appraisal and the processing fee for the solar documents. So we went ahead and paid the Appraiser which they assigned {$700.00}. We went ahead also and paid {$150.00} to the Solar company so they can go ahead finalize the refinancing. This went on until XX/XX/XXXX. We signed documents so they could check our credits, we signed and submitted all approval conditions documents and submitted paystubs. By the end of XX/XX/XXXX we were told that we are approved and they are just finalizing the process. We last heard from them via email on XX/XX/XXXX saying that they are still finalizing the closing process. We tried calling their contact numbers and sent emails several times without response. Their office phone Operator keeps on saying that the person-in-charge will call us back because the personnel in-charge is still with a client. 
Until now we do not know about the status of the Refinancing process and it is already XX/XX/XXXX. We are concerned that proceeding with the refinancing is no longer cost-effective and that we have spent {$850.00}.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I checked my credit report because I keep getting denied when I try to get a new car. I noticed an account for XXXX XXXX in the amount of {$410.00} with theORIGINAL CREDITOR being XXXX XXXX XXXX. 

I moved out of this apartment complex in good standing. I did not owe any balances, and received my full deposit back. 

I am unaware of where this debt originated from.

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 2019-10-17 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: LA

Complaint narrative:
HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

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 2019-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I checked my credit after being denied several times for a new auto loan. I came across an account for CONVERGENT OUTSOURCING with the ORIGINAL CREDITOR as XXXX and the amount owed is {$440.00}. I never received a final bill, or a collection notice from XXXX or from Convergent. My address has changed since the account was opened but my mail was always forwarded, and I never received any notice.

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 2019-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I checked my credit report and identified personal information that does not belong to me. I am a victim of identity theft and that's one of the first steps that they told me to do is check my report for any discrepancies. I notified the credit bureaus, but no changes were made.

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