vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I was promised by several representatives from Ally Financial Auto Loan Department that they were able to remove late payments from Ally Financial. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : 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 2018-08-29 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( XXXX XXXX XXXX ) 2. 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 2018-08-29 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 1. XXXX ( XXXX XXXX XXXX ) 2. XXXX XXXX XXXX ( XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
Today is XX/XX/2018. For at least a month, I have been receiving calls from Sunrise Credit Service ( SCS ) about a bill they claim that I owe XXXX. I did owe money to XXXX but I paid them even before SCS started calling. I told SCS that I had already paid the bill. That did not stop them. I sent proof that my balance was {$0.00}. That did not stop them. I told them that they need to send me proof that I owe this bill. They refuse. I have contacted XXXX, they claim that my bill is paid and they have no knowledge of a credit issue. I contacted XXXX, they didn't even know who I was nor anything about a debt collector. Now SCS is claiming that they will put this on my credit report. They call on multiple numbers from multiple area codes. They call morning, evenings and weekends. 
They called today. 
I can provide proof of the bill having been paid. 

What can I do?

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 2018-08-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: AZ

Complaint narrative:
My loan originated back in XX/XX/XXXX. It is an Adjustable Rate Mortgage ( ARM ). During these 13 years I have never been past due. My loan originated with XXXX XXXX XXXX, and transferred to SETERUS. 
On XX/XX/XXXX I applied for a modification/assistance so that it is not such a struggle. I am XXXX making {$1700.00} per month and my mortgage payment has been {$1000.00}. Since it is an ARM Loan the rate will adjust on XX/XX/XXXX bringing my PAYMENT TO XXXX XXXX monthly and my DTI to 68 %. The other reasons for a modification request is I am underwater -- value of Condominium is {$110000.00} and I owe {$130000.00}. So, there are three very valid points as to the need of a modification, LTV, DTI, and loan an ARM.

I was denied for the modification onXX/XX/XXXX just 7 days after submission and SETERUS stated it was because I am not past due. It is hard to believe I would have to fall behind on my payments and ruin my stellar credit score because of this rule. I AM NOT LATE SO THEY CAN NOT HELP ME. The loan also happens to be a XXXX XXXX loan -- is it really necessary to force be not to make my payment to get the assistance I need? 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 2018-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: IL

Complaint narrative:
I closed on my home XX/XX/XXXX. My mortgage was {$1200.00}. I received a statement in XX/XX/XXXX that my mortgage was increased to {$1600.00} due to an escrow shortage. After speaking with my loan servicer ( Land Home Financial ) I was informed that I didn't have enough money to cover my taxes. {$2400.00} was paid by the lender since I didn't have enough money to cover in my escrow account. They are charging me the overage amount. I did not take ownership of the property until XX/XX/XXXX so I was not responsible for XX/XX/XXXX taxes. I don't see how the loan servicer can use my escrow to pay taxes for a year when I did not have ownership of the property when the dates are on the tax bill. I don't understand why they mortgage broker was contacted AFTER the loan servicer already had paid the taxes from my escrow instead of prior to. I spoke with the mortgage broker whom stated to me that the Title Company ( XXXX XXXX XXXX XXXX ) didn't pay all of the liens during closing. I submitted a complaint to the title company and it was discovered that the seller did not pay the XX/XX/XXXX taxes. The title company subsequently denied due to they had no way of knowing this at the time of closing and stated to me that both attorneys for me and the seller should've caught this. I spoke with my attorney that did the closing and he stated to me that the title company is responsible because they estimated my taxes incorrectly. He said I got credit the taxes at closing, however, I only got credit for XX/XX/XXXX not XX/XX/XXXX since the seller was suppose to pay those taxes. He stated if the seller didn't pay the XX/XX/XXXX taxes that I would have to go after him, but at this point I would get no money. He offered little help and showed no concern that he did do his due diligence acting as my attorney. If the seller did owe XX/XX/XXXX he and the seller 's attorney should've made sure they were paid or I got credit. If the title company did estimate figures incorrectly at closing and he was aware of this, he should've stopped the closing process until they were done right. This is my first home purchase and this has been a very stressful experience by far. Since my XX/XX/XXXX taxes have been taken out of escrow my mortgage has again increased to {$1700.00} effective XX/XX/XXXX. My escrow account has not been refunded and I am left stuck with being penalized for XX/XX/XXXXtaxes and nobody will do anything to correct this error. This is my last recourse, as I am depleted of the little savings I had to pay the overage and have fallen behind in other bills, including my mortgage payment. My credit has suffered and I am at a loss. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

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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 2018-08-30 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX/XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX XXXX/XXXX XXXX  ( XXXX : XXXX  XXXX : XXXX ) XXXX XXXX XXXX XXXX  ( Equifax : XXXX   XXXX  : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( XXXX  : XXXX ) XXXX XXXX XXXX   XXXX ( XXXX : XXXX  ) XXXX ( Equifax : XXXX   XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX :  XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX   XXXX : XXXX XXXX XXXX XXXX XXXX XXXX ( Equifax : XXXX  XXXX : XXXX XXXX : XXXX  ) XXXX XXXX XXXX   ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX XXXX : XXXX ) XXXX XXXX XXXX  ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ) XXXX XXXX ( Equifax : XXXX XXXX : XXXX   XXXX : XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: OK

Complaint narrative:
Around XX/XX/XXXX I moved homes from one location to another and needed to take my XXXX with me. In a call at that time I was told there would be a fee to transfer service. Upon this, after being a customer for 8 plus years, I told them I would rather just cancel the service as I owed them nothing at the time and was not on a contract. I was transferred to an account specialist whose job it was to save accounts. I told her the issues and she told me they would waive the moving fee and not be stuck in a contract. I made multiple points that I did not want to be on a contract and that I had fulfilled the terms of the original contract and no new contract was signed. Nor was a new contract agreed upon. 

Fast forward to the summer of the following year when XXXX took over XXXX and began raising everyone 's rates. I was done. I cancelled service and returned the equipment. I owed XXXX or XXXX nothing. I owe them nothing today. 
They immediately used threats of the contract to keep me as a customer but I told them to send proof of a signed contract and look at the previous call. They couldn't find proof and the call verified I was correct. This was never disputed by XXXX  or XXXX again. 

Fast forward 2 years later to today XX/XX/XXXX. I get a call from sequium asset solutions regarding the very debt. 

They threatened to destroy my credit regarding the false debt. I called XXXX and they refused to fix this. 

Proof of the contract can not be found. They committed fraud by sending the original contract from 8 years ago attempting to say it was the new contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2018, I, XXXX XXXX XXXX, and my husband, XXXX XXXX, filed for bunkruptcy of some credit card debt incurred through XXXX XXXXXXXX XXXX business. 

That bankruptcy never included the 1st & 2nd mortgages held by myself and a third party, XXXX XXXX These mortgages are for the primary residence of XXXX XXXX, XXXX XXXXXXXX, & XXXX XXXX. 

In XX/XX/2018, Bank of America ( holder of the 1st mortgage ) notified us that they sold that mortgage to XXXX XXXX. We were paid up and current with BofA, and going forward from XX/XX/2018 our payment were to be made to XXXX XXXX. 

We did all that. Now BofA is insisting on a duplicate payment back to them that we were never notified about and BofA has attached themselves to our bankruptcy after-the-fact, and after the terms of our bankrupcy had already been negotiated and signed on.

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 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
The failed under the FDCPA and FCRA to notify me about my right as required by the law, so I can dispute and ask for validation. Also the debt it not mine. In XX/XX/XXXX I was contacted by XXXX collection agency about the same debt, I asked for validation they was not able to proof that, so the sale the debt to diversified consultants. The debt it for XXXX but diversified consultants stated in my credit report that its 2 month old debt, this is misrepresenting of information which is violation also.o send them a letter asking them to delete the account from credit bureau, but they failed to respond. I have no idea about this debt it not mine. I need your help to investigate on my behalf to them and credit bureau. It a XXXX debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I could not access to my online banking and i called to the bank, they informing me that my accounts, and the account of my daughter too, the bank gave me the information that they will send us a letter and the money of each one of us to the address registered in the United States in a lapse of 7 to 10 business days counted from XX/XX/2018. 
we received only the letters but not the money. I called the telephone XXXX XXXX XXXX to know what had happened. We must wait 30 to 90 days to know what happened to our money for a unilateral decision of the bank.

While all the members of the family without recovering our money. 
I have been XXXX  on the XXXX twice and these situation of stress are endangering my health, in addition to being retired, feels discriminated against and abused with such uncertainty. 
We are not American citizens, nor are we residents, but we hope that our case will be considered abusive by you, because only after 29 business days the Bank of America decided to continue abusing our weakness and communicate the reality, a situation that was not exposed in the letter in which they communicate the decision to close our accounts. 
Bank of America shows scorn to the user when banking institutions must be clear and honest, because they not only manage, but survive with the funds of third parties that we trust in their credibility, as an institution and because they are from the United States of America.

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 2018-08-29 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: PA

Complaint narrative:
I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : 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 2018-08-29 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the  representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : 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 2018-08-29 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: AR

Complaint narrative:
In XX/XX/XXXX I disputed an inaccurate account with Experian credit, Bureau,, the account was XXXX XXXX XXXX, # XXXXin XX/XX/XXXX they replied back saying the account was verified. onXX/XX/XXXX I sent Experian a certified letter asking for they METHOD OF VERFICATION, ,i am a  consumer and I have rights to see and know how they verified the alleged account,, I have copies of the certified mail receipt and I enclosed the letter I sent to Experian on XX/XX/XXXX, they received the certified letter on XX/XX/XXXX On XX/XX/XXXX Experian sent a notification to me saying they have completed the investigation on the XXXX XXXX Account # XXXXsayng it was verified, I am a consumer and I have rights and its not fair they Experian can investigate the account and not send me what I requested on XX/XX/XXXX.. I have a copy of the letter I sent to Experian asking for the METHOD OF VERFICATION, THEY HAVE VIOLATED MY RIGHTS AND REFUSED TO SEND ME THE METHOD OF VERFICATION TO ME AS I ASKED,,, THIS IS NOT RIGHT FOR THEM TO NOT SEND ME THE INFORMATION I ASKED FOR, EXPERIAN NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE,,,, I HAVE RIGHTS TO SEE THE PROCEDURES OF THE METHOD OF VERFICATION ... .IT IS AGAINST THE LAW AND I AM GOING TO FILE A SMALL CLAIMS IF THIS ACCOUNT IS NOT REMOVED FROM MY FILE,,, EXPERIAN HAVE VIOLATED MY RIGHTS,,, I AM ENTILTED TO SEE THE METHOD OF VERFICATION ... THEY ALREADY HAVE FAILED TO SEND ME THE PROOF OF ORIGINAL CONTRACT WITH THE ACCOUNT THIS IS MY LAST LETTER ASKING THIS ACCOUNT NEEDS TO BE REMOVED,,, I AM GOING TO MY COURT HOUSE AND FILE A SMALL CLAIMS FOR THE NON-COMPLIACE WITH EXPERIAN,,,,

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 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank associates have been provided with several claims and supporting information pertaining the unauthorized use of my account information, unauthorized charges, and unauthorized electronic transfers and the issuance of a debit card to an unauthorized party. 

Administrative personnel from TD bank branches XXXX XXXX XXXX, Assistant Vice President, NMLS ID # XXXX and XXXX XXXX, Assistant Vice President, NMLS ID # XXXX have attempted to address my concerns after representatives requested for escalation. To this date, I am being prevented from accessing my bank account and information related to the claim presented for unauthorized transactions has not been provided. Personnel has said that the department that should respond to this issues has remain irresponsive and refused to provide a resolution. 

I have been awaiting for a proper resolution and the mitigation of my losses for a period of a month and 2 weeks.

Company response to consumer: Closed with monetary relief