vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have written all three bureaus in reference to my credit. In months my credit score has drastically dropped. I recognized I have had credit issues however, the amount of accounts reflected on my credit report were far greater than the negative. Instead of receiving a solution to my issue my email is bombarded with offers from the credit bureau to purchase their products or to open a credit card. How does this solve my problem or correct my credit score. How can the reporting agency be non bias if they are constantly trying to sell me something. As I previously stated I know I have credit issues and I am resolving and addressing each issue, however, I have paid off far more accounts and in good standing than negative. I do understand there is more in play such as, credit inquires and how high the balances are as well. 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 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: OH

Complaint narrative:
My current home loan was originally created with my husband as the borrower and myself, his spouse, as the co borrower. My husband became unemployed and we were unable to make our mortgage payments. I was a stay at home mother of our XXXX  children. We qualified for a modification that was completed in XX/XX/XXXX. At this time I went back to XXXX school, completed my XXXX XXXX   and have been employed for a year. My husband stopped making payment on the home again. We were divorced in XX/XX/XXXX. I received a signed Quit Claim Deed through the divorce on our property. The home fell into foreclosure once again and I was instructed by the court system to apply for a new home modification using all of my current information. I was also awarded custody of my XXXX minor children. We are currently living in the home. I should mention there is also a {$23000.00} insurance claim that my home loan mortgage company Mr Cooper is holding for repairs that have been held by them illegally. They have received all the document but keep telling me they need more.. They have done two home inspections that passed and still no funds have been released to date. I contacted XXXX XXXX  with The Fair Housing commission locally in my area of XXXX Ohio. He and I have spent countless hours on third party lines recorded with Mr Cooper to try to find options and answers. He suggested that I contact your service. We have tried to get them to release the funds to complete the work on the basement so I may move forward and sell the property. We also looked further into applying the funds to the current reinstatement amount. I feel I need assistance and support because I have been victimized by Mr Cooper holding the funds and not working with me to keep my home or to sell it. They have held the funds for two years. I currently have equity in the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
XXXX is reporting debts I do now owe. They are continuing to report a balance, they were included in Bankruptcy Docket # XXXX. XXXX is in clear Violation of the Bankruptcy Law and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Utah System of Higher Education
State: UT

Complaint narrative:
XXXX is reporting debts I do now owe. They are continuing to report a balance, they were included in Bankruptcy Docket # XXXX. XXXX is in clear Violation of the Bankruptcy Law and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Credit bureau dispute. False late payment reported by creditor to bureau. Error in their statement and billing cycle. Would like a updated past due history on account. Error by creditor not willing to correct in violation of the FCRA. Effecting loan applications for home purchase. Want removal of late fee from credit report not a request to validate. Have constructive payment history, signed up for auto pay, theyve returned my late fees but wont report to credit bureau of error in system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: FM

Complaint narrative:
Hi! 

I paid in full this account {$310.00} and the creditor still reporting a charge off account to the bureaus. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 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: Santander Consumer USA Holdings Inc.
State: NC

Complaint narrative:
I had a previous error on my credit that I was unaware of. I only discovered this error after being denied several times for loans. I had that issue resolved, but the resulting inquiries are still on my credit and have done nothing but cause more denials in credit since excessive inquiries hurt quite a bit. As a business owner I can't have these issues, especially since they are a result of a previous mistake. And the process to contest inquiries is made nearly impossible by the credit bureaus system. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: World Acceptance Corporation

Complaint narrative:
I sent out a letter to XXXX XXXX  back in XX/XX/2018, to try and settle on an account. Well I actually have 2 accounts that fall under them, but 2 separate companies. Anyhow. I wanted to settle one account for a certain $ amount and have them update my credit report. The original amount on this particular loan was {$510.00}, and I wanted to settle for {$250.00} if they would delete or update my credit report.

I have received notification that they received my letter, but never received a letter or even a phone call from them to try and settle the loan. I have been with this company for a few years and have not had any problem with the previous employers until the manager transferred to a bigger location and some younger kids took over. They never sent me anything to settle or nothing. I mean if they had tried to reach out to me to settle this debt, I would have.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018, my application was denied in violation of 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 explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have written all three bureaus in reference to my credit. In months my credit score has drastically dropped. I recognized I have had credit issues however, the amount of accounts reflected on my credit report were far greater than the negative. Instead of receiving a solution to my issue my email is bombarded with offers from the credit bureau to purchase their products or to open a credit card. How does this solve my problem or correct my credit score. How can the reporting agency be non bias if they are constantly trying to sell me something. As I previously stated I know I have credit issues and I am resolving and addressing each issue, however, I have paid off far more accounts and in good standing than negative. I do understand there is more in play such as, credit inquires and how high the balances are as well. Please help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have written all three bureaus in reference to my credit. In months my credit score has drastically dropped. I recognized I have had credit issues however, the amount of accounts reflected on my credit report were far greater than the negative. Instead of receiving a solution to my issue my email is bombarded with offers from the credit bureau to purchase their products or to open a credit card. How does this solve my problem or correct my credit score. How can the reporting agency be non bias if they are constantly trying to sell me something. As I previously stated I know I have credit issues and I am resolving and addressing each issue, however, I have paid off far more accounts and in good standing than negative. I do understand there is more in play such as, credit inquires and how high the balances are as well. 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 2018-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Companies : Wells Fargo, XXXX, XXXX  Date : XX/XX/2018 Subject : Event ticket scam facilitated through XXXX Amount : < {$300.00} Problem Summary : Actions and Inactions which facilitated scammer protections I was a victim of an event ticket scam where I transferred money from my Wells Fargo account via XXXX  and the seller went dark as soon as the transaction was done. The sellers account was at XXXX. I called Wells Fargo and explained there was no fraud or mistake on the part of Wells Fargo in the sense that I knowingly transferred money through XXXX. I was surprised Wells Fargo credited my account - they explained that the money would be reversed if there was no " fraud '' ( or some such concept ). This was claim XXXX. I followed up several times, not so much for the money, but because I wanted the scammer to be stopped. Wells Fargo eventually closed the case and deducted the money from my account that they originally credited as they found no evidence of wrong on their part. Well, no kidding - alot of wasted time & frustration all around - While Wells Fargo had no obligation to make amends, the situation was what I explained at that first call. I pressed them for options on what to do and they said there were none. They did disclose to me that the name I specified on the transfer was *not* correct but obviously the email address was correct.

I didn't care about the money so much but wanted justice for the perpetrator.

I contacted XXXX through their support portal stating that this perpetrator was in violation of their end user agreement - that you would not use XXXX  for illegal means- but did not even get a courtesy of any reply.

Why is it that financial privacy laws are allowed to protect people that use their services for illegal activities such as this?

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 2018-04-25 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: TX

Complaint narrative:
CRA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX, in response to the nationwide foreclosure crisis, the Treasury Department introduced the HAMP.

In XX/XX/XXXX, XXXX XXXX announced the Second lien Modification Program and therefore the Treasury Department implemented the following Rules : According to the HAMP Rules described in the MHA Handbook v5.1, " When a borrower first lien is modified under the HAMP or a qualifying GSE Standard Modification the servicer must do either of the following : 1. modify loan or extinguish the second lien according to the steps outlined in Section 5. Also it is required that the first lien be permanently modified prior to XX/XX/XXXX.

Thus, the Rules are very clear in that if the first lien is modified prior toXX/XX/XXXX the servicer must dismiss any outstanding foreclosure action.

Flagstar bank is one of the many servicer 's that enter into the Tarp agreement with Department of Treasury and therefore must comply.

On XX/XX/XXXX, we executed a permanent loan modification agreement with the first Servicer, XXXX XXXX XXXX. Because the agreement was executed on XX/XX/XXXX and reported to XXXX XXXX XXXX XXXX XXXX XXXX, prior to XX/XX/XXXX, we meet all HAMP Rules regarding the Second Lien.

Pursuant to the HAMP Rules Flagstar was to : either modify or extinguish the debt. Instead Flagstar engaged in unlawful and deceptive banking practices by ignoring the Federal Rules and providing consent to a third party file a foreclosure action.

As per Federal Rules Flagstar and its accomplices are prohibited from filling a foreclosure action when the first lien has been permanently modified under the HAMP prior to XX/XX/XXXX.

The Treasury Rules were meant to be enforce not just to look at. I ask the Consumer Financial Protection take this complaint seriously. A copy of this complaint will be furnished to the Office of the Internal General. We want to make sure pour complaint is not ignored by the CFPB.

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 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Finance System of Richmond, Inc.
State: CA

Complaint narrative:
The company says they have contacted me and that I stated that I am a single mother and couldn't pay my debt but its not true I am married and have never received a call or a document from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: WA

Complaint narrative:
I received a letter from XXXX XXXX XXXX. on XX/XX/18. This letter was for debt collection of {$750.00} from XXXX XXXX I do not owe XXXX any money.

I called XXXX and verified that, I did not own them anything. The person I spoke with stated that they do not do business with XXXX XXXX. He told me to ignore the letter.

I called XXXX XXXX and explained the situation. The representative told me that I owed the money, and suggested that my XXXX  account had been hacked. I told him, I would file a criminal complaint on this issue, and he asked me if he could file the complaint. When he stared asking me personal questions, I told him, I would do the complaint myself. I had no idea who this person was.

This morning I did a XXXX search on the company, and found that they have a long track record of collection fraud.

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 2018-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
I RECEIVED REPEATED CALLS FROM XXXX XXXX AND XXXX XXXX STATING THEY WERE FROM WILLIAMS AND FUDGE. I REQUESTED WRITTEN VERIFICATION OF THE DEBT AND A STATEMENT. THEY REFUSED TO PROVIDE BOTH. THEY STATED THAT THEY DID NOT HAVE TO FOLLOW THE LAW. I SAID I WANTED AN ADDRESS TO DISPUTE IN WRITING. THEY REFUSED TO GIVE ME THE ADDRESS. I ASKED THEM TO STOP CALLING AS THEY WERE REFUSING TO FOLLOW FEDERAL LAW. THEY USED ABUSIVE LANGUAGE AND HUNG UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

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 2018-04-25 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: Rent Recovery Solutions
State: TX

Complaint narrative:
I previously filed a complaint in XX/XX/XXXXof this year ( 2018 ) in which RENT RECOVERY SOLUTIONS company responded that they would remove the information from my credit report on XX/XX/XXXXclaim # XXXX Since this response the mentioned company has continued to report the information still refusing to respond or accept certified letters sent to the given address. This has been an inconvience to the process of repairing my credit and ridding it of inaccurate information. To have a company be as unprofessional and inexorable in reporting inaccurate information has been stressful to say the least. The obstinate business practices I've endured from RENT RECOVERY SOLUTIONS has lead me to file yet another complaint as well as getting a law firm involved at additional cost to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Pacific Union Financial, LLC
State: OH

Complaint narrative:
I am selling my home ; we have a closing date for early XX/XX/XXXX with the Mortgage being paid in full. The Company is aware of why I was behind due to XXXX XXXX XXXX and XXXX  that came about while on XXXX XXXX Military. The first issue is I refinanced through this company, and they promised that my payment would lower to help in this hardship. 6000.00 + later added to my Mortgage and now I'm paying XXXX more than my original loan. I call to speak to the department and they can't explain why. Later after complaining enough they said to change home insurance companies that I could possibly lower it that way. I changed companies. Months later, I keep getting mail from my home owners insurance stating that their not receiving payments. I contact my mortgage company ; they put me through to the insurance dept. They told me they are paying it to disregard. I received 6 more letters, and spoke with my homeowners insurance ; they said they are not making payments. Called my mortgage company ( Pacific Union financial ) again during the time frame of those 6 letters. They said again disregard we're making payments. Long and behold my homeowners insurance cancelled and I was not notified, and went 3 months with no insurance. So XXXX XXXX  ( who I had ) then told me they couldn't reinstate me do to the gap. Had to go with another company and my payments skyrocketed. Contacted Pacific Union again, and just like before they play stupid   and say not sure why we made payments. When I ask for corporate my rude acct mang XXXX says she is corporate. So, the most recent problem was what made me furious enough to file a formal complaint. I set up a payment to automatically come out for XX/XX/XXXX, with XXXX. I called in to cancel it, and she said she will not allow me to!!!!!! She said we are taking it out, I said I do not give you permission to do so know. Then she mocked me and laughed at me over the phone, and said do you forget the talk and call we just had days ago when you set up payment. What she would not allow me to do is explain why I needed to cancel it. She said its coming out and I will not stop it, and the only way you can stop it is through your bank!! My home is selling, and I had an issue with my health insurance and I got a XXXX XXXX  removed off my XXXX  on XX/XX/XXXX.  My XXXX is now XXXX, and I have to pay full cost for a XXXX XXXX, and the specialist appointment to get this handled. This was the situation that changed. I am astonished on how rude and unprofessional XXXX, my account manager is! I think that telling a customer that you refuse to stop there automatic withdraw is against regulations and procedures of a mortgage company! I think that this Company needs to be looked at with a fine tooth comb, because they are clearly not following protocol. My mortgage will be paid in full in a matter of weeks. I did not deserve that treatment.

Company response to consumer: Closed with explanation