vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 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: NC

Complaint narrative:
I submitted a complaint on XX/XX/XXXX for items that were incorrect on my credit report. The response received from the credit bureau, 30 days later was that the creditors were still working on the disputes. After 60 days the response was " The creditors have verified that this information is correct and we have accepted their response. '' How did they verify that it was correct? Did they send documents? Signed contracts with wet signature? There needs to be documented proof. I have asked for the process by which these accounts were " verified '' and to date, have not received anything. It's like the creditor just sends a response " verified '' and the credit bureaus take their word for it without documented proof. Listed below are the accounts on my Transunion Credit Report that I am disputing. The information being reported is NOT true and accurate! Provide me with documented proof of the late payments, etc. 

XXXX. XXXX XXXX - This is a FRAUDULENT ACCOUNT! I did not open up nor have I ever applied for an XXXX XXXX Account. This account needs to be deleted! 
XXXX. XXXX XXXX shows 2 late payments - XX/XX/XXXX and XX/XX/XXXX. I have never paid this account late. Since the account has been paid in full, the creditor refuses to make the correction.

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 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
In XX/XX/2019, I was informed that my mortgage company, Ocwen Loan Servicing, that my mortgage payment was going to be increased by almost XXXX because I had no insurance. I did have insurance and I immediately faxed proof to the insurance dept for Ocwen Loan Servicing which was later bought by PHH mortgage. Month after month they would promise to correct the mortgage amount and they did not. I have repeatedly requested and begged them to fix the problem and they promise they will and they do not.

I do not know how to protect myself from a big mortgage company like PHH, I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # 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, NATIONAL CREDIT SYSTEMS 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 ) NATIONAL CREDIT SYSTEMS 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 NATIONAL CREDIT SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS 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.NATIONAL CREDIT SYSTEMS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
In XX/XX/XXXX We suffered a substantial loss of income. Our first mortgage was modified by way of interest reduction. However, the second proposed literally a XXXX-dollar reduction in payments for which we could not afford. From then until XX/XX/XXXX of this year there has been no communication between us. On XX/XX/XXXX, I reach out to them in order to make arrangement to settle the load as after all the past years we have finally recovered. 
The process started via XXXX Teller ID : XXXX instructing us to submit a loan modification for which we did. I believe the process took the better part of a month before them concluding we were limited to either a short sale or complete loan payoff. 
After reading the entire package I decided to enlist the help of a certified VA HUD consular. At his request, I filled out the necessary third party authorization forms and submitted them to the consular as requested, he, in turn, submitted the signed and submitted them to SLS. 
The HUD consular advised us to resubmit a new request for a loan modification. I attempted to locate the forms on SLS 's website and was unfortunately unable to do so, which resulted in a phone call directly to SLS. At that point, I was advised there would be no need to do so as they already had our information and that is was being reviewed. 
On a correspondence letter dated XX/XX/XXXX SLS stated they were in receipt of our request for assistance and have determined the application was complete as of XX/XX/XXXX and that they were in the process of reviewing, however, today while on the phone with both our consular and XXXX an SLS teller the insisted there was no review in process. Please see attachment number 1. Additionally, it should be noted that SLS denied receipt of the third party authorization on the phone during today 's conference call. I found as you will see in the attachments the process to be confusing with them saying how much they want to help on one hand and giving unreasonable solutions on the other.

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 2019-08-06 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I moved from a apartment complex called XXXX XXXX. Upon moving out I was advised I owed XXXX dollars. Two years later approximately I received an alert from XXXX XXXX, advising me I had a collection item on my credit upon research I found FCO had put a collection item on my report. I immediately contacted both the leasing office and apartment complex to find out why I the debt was not communicated with me as per my consumer rights. No answer was given, instead I was told if i paid {$150.00} it would be removed. I obliged due to the amount and as I wanted the item removed. I am sad to say its XX/XX/XXXX and up to todays date FCO has not removed the item as their previous rep advised me ; and I am being denied credit due to this delinquency. Which lenders are citing as a reason to deny me.

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 2019-08-06 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: IL

Complaint narrative:
The accounts on my credit file indicated as " bankruptcy '' or " closed '' should be deleted and removed immediately as they are closed and no longer active or valid. I have made several attempts to delete and remove them by asking the creditors in question to remove them. I have disputed all of the accounts and have been ignored. Under the FCRA these accounts should be removed due to inaccurate reporting. 

The reporting agencies have also had a breach in their data systems allowing access to my accounts which was the result of unwanted hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: IL

Complaint narrative:
The accounts on my credit file indicated as " bankruptcy '' or " closed '' should be deleted and removed immediately as they are closed and no longer active or valid. I have made several attempts to delete and remove them by asking the creditors in question to remove them. I have disputed all of the accounts and have been ignored. Under the FCRA these accounts should be removed due to inaccurate reporting. 

The reporting agencies have also had a breach in their data systems allowing access to my accounts which was the result of unwanted hard inquiries.

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 2019-08-06 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: CITIBANK, N.A.
State: CA

Complaint narrative:
his complain is about Citi 's Online Banking System. So Citi 's online system is a disgrace for such bank. I opened a checking account some time ago. Before that by few years, I opened a few credit cards with Citi. Two of them as still active as of today ( Citi Costco and Citi Diamond Preferred ). Few days ago I requested that the checking account be closed. Now after it has been closed I am trying to UNLINK the checking account from my user id. I tried doing so online. It told me that this should take 2 - 3 business days. So I waited. 

After some time, I discovered that my Citi Costco and Citi Diamond Preferred Cards have been both UNLINKED from my user id. WHAT??? WHY??? So I tried to link them again, it didn't work at the beginning, but after few trials it was successful. Today, XX/XX/XXXX, I checking my online banking, I don't see my credit card accounts anymore. AGAIN!!! They have been UNLINKED by some unknown force. So I tried, AGAIN, to link them. I was successful in linking the Citi Costco card, but unsuccessful in linking the Citi Diamond Preferred Card. What's going on??? Should one leave his own responsibilities and life and focus on why the Online Banking of Citi is just messed up and doing stuff on its own. As usual, customer service is useless and they gave me some explanation that the Checking Account is a default account so after it has been closed and in order to UNLINK it, then we need to re-create a new user id and add both credit cards to it. Why should I even bother about this? Why this system is just a failure for such big bank? Need a solution as soon as possible.

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 2019-08-06 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: CAB Receivables, Inc.
State: FL

Complaint narrative:
my son attended XXXX XXXX college in XXXX Georgia in 2009 which I cosigned a loan for at the time, between then and now I accumulated delinquents and defaults on my credit report because of financial difficulties. I am now getting my credit updated and is having difficulty doing so because between DOE and the Credit Adjustment collection agency it is showing that the loan was renewed or updated in XXXX of this year and XXXX XXXX was under investigation for tuition fraud and the bureau of fiscal services or DOE has been intercepting my refunds for some years now. It has been 10 years this year and now that I am trying to clean up my credit they renew the loan.

Company response to consumer: Untimely response
Consumer complaint received 2019-08-06 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX, XXXX. I am doing this all on my own.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: USCB Corporation
State: FL

Complaint narrative:
Ive disputed this 4 times. I also have a fraud alert on my information they refuse to remove this off my credit.

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 2019-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
Finance manager submitted incorrect income information in credit application to multiple banks. Due to this error, auto loans were denied and left me with limited choices to choose for the loan. 

Even though the deal was finalized and completed, credit inquiries with dates after the transaction was done have shown up in my credit report when I did not need a loan anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is AMSHERCOLLECTIONSERVICES # 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, AMSHERCOLLECTIONSERVICES 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 ) AMSHERCOLLECTIONSERVICES 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 AMSHERCOLLECTIONSERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where AMSHERCOLLECTIONSERVICES 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. AMSHERCOLLECTIONSERVICES has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I signed up for a home depot consumer credit card during some home renovations, it seemed like the perfect time because that's where I was getting most of my materials from. I signed up while they where having a promotion that gave you {$100.00} for spending {$1000.00}. I spent the amount required almost immediately after getting the card information and even called in just to verified that fulfilled the requirements for the {$100.00} promotion. The company rep confirmed to me over the phone that I was all set and should receive the credit within a couple billing cycles. After 2 billings cycles past I did not receive the credit so I called in again to check on it. This is where I started receiving different information, this rep told me I did not have that promotion and that she had to submit this for review. After a long wait their back office staff reviews the case and comes up with the idea to grace me with {$25.00} credit instead of the full {$100.00}, citing that because my order ( although placed at the same time all together in the same cart ) was charged separately so counted as different orders, thus making the offer not valid. If this isn't the biggest XXXX I've heard for a company to use to try to get out of paying me the agreed upon amount I don't know what is. Their own system charged the card in that manner and they see that it was the exact time of purchase yet they are telling me that is my fault and will not honor the deal we 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 monetary relief
Consumer complaint received 2019-08-07 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 recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX, XXXX. I am doing this all on my own.

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 2019-08-07 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: GA

Complaint narrative:
I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on but these items are not mine and the all need to be deleted from my credit report. XXXX XXXX, XXXX. I am doing this all on my own.

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 2019-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
Over the past 4 months I have attempted to enter into an income based repayment plan through Navient Student Loans. Every month ( and sometimes a couple of times a month ) since XX/XX/2019 I have called in attempting to resolve this. I have received different answers on every call and misinformation that has led me to have to continue to put my loan in forbearance for the past 5 months so they can fix the situation on their end. Every month I have provided up to date pay stub information, and every month am asked to do it again so they can calculate my IBR correctly. I have finally been told that my monthly payment will include any overtime I've received over the past year, regardless if I am able to receive overtime over this following year. I can not believe a federal student loan provider would calculate payment information based on variable pay ; that is grossly irresponsible. So based on business needs, if my business does not have the budget to allow over time this year, I am still responsible for the additional payment amounts to Navient. This company is absolutely appalling to work with and is the reason student loan debt is such a massive issue ; STUDENTS STEER CLEAR, DO NOT GET LOANS FROM NAVIENT.

Company response to consumer: Closed with explanation