vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-28 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: NJ

Complaint narrative:
equifax, XXXX, XXXX, has reported a fraudulent account on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
Nationstar Mortgage did not apply funds properly in XX/XX/XXXXholding funds in a suspense account when they should have freed them to cover a payment. This started the recording on the Verification of Mortgage to state 30 day delinquent for several months afterward. Once the following months payment was received they would count the payment still holding extra funds in a suspense account. In XXXXXX/XX/XXXX Nationstar finally realized and discovered their mistake in the payment history, made the account current and actually sent me the extra funds that were held in suspense, {$3300.00}. more than a months payment. 

I wanted to refinance on an FHA loan and have a lender that would do so. Without the VOM reporting correctly, I can not qualify to refinance. This is costing me thousands of dollars! I have reported this 6 times and nothing is being corrected to the VOM. 

Still stuck

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Auto Trakk, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX I traded my car XXXX XXXX XXXX in to XXXX XXXX to build my credit by leasing a vehicle which they gave me XXXX for my car as a down deposit for the XXXX XXXX XXXX XXXX and once I was approved by the Bank Auto Trakk they had set me up on a weekly payment plan which they told me if i pay my bill on time every week for 6months that i can go on a monthly payment plan which that never happen, also I ask if the car had an inspection cause it had just came on to there lot that same day they told me yes and I also ask them for a XXXX XXXX on the vehicle which they never gave me so after the 6months I no longer could pay them every week so I tried calling the Bank Auto Trakk and they kept giving me a hard way to go so I kept paying it weekly until I start falling behind with my payments so I took the car 1st out New Jersey to a dealership called XXXX I forgot the rest which this was in XX/XX/XXXX and they gave me a XXXX XXXX on the car and told me that the car was n't worth no More then 10,000 so they try calling they bank to make a offer with them so that I can trade that car to get another car which was in my monthly budget but Auto Trakk refused the offer why I do n't no, Ok so then I takes the car to XXXX XXXX on XXXX XXXX and they basically told me the same thing that due to the car being in a accident in XXXX that the value ai n't worth no More than 10,000 so they tried to negotiate with Auto Trakk so I was tuck with a car I that i no longer could pay on a weekly basis so i called them and told them they could come and get the car cause I no longer can pay them on a weekly basis, but before they came and got the car I was paying on time every week they never gave me my credit points for that and they charge me XXXX for this car and I receive a collection bill in the mail saying I owe them XXXX but on my credit report it saying I owe them XXXX or more so why was I credit for my payments that I was making they ripped me off and never gave me anything as for me calling and telling them to come get the vehicle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did a dispute with Transunion and XXXX and the report came in that the debt of XXXX XXXX bank was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.

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 2017-08-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I did a dispute with XXXX and Equifax and the report came in that the debt of XXXX XXXX XXXX  was to be removed from my credit report due to incorrect reporting on my account information. As of yet the report for XXXX XXXX is still showing in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The company is threatening us with closure of the account if we do n't give them what they 're asking for by XX/XX/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 2017-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I have been a customer of SunTrust Bank for over 25 years and up until XXXX, they handled all of my personal banking business. In XXXX, I opened 2 business banking accounts with SunTrust in addition to all of my personal accounts. InXX/XX/XXXX, I asked the bank to authorize credit cards for both of my business accounts. The 1st credit card was submitted and authorized without incident ; the 2nd business credit card application was submitted, and onXX/XX/XXXX, I was sent two, almost identical letters denying my request. The second letter specifically states that the reason for denial is " Age of Applicant ''. 
I immediately reached out to SunTrust but have not heard back from them as yet.

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 2017-08-28 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: AZ

Complaint narrative:
XX/XX/XXXX I submitted a complaint with you in XXXX ; complaint # XXXX,. I received detailed information from you closing the complaint and stating that the item was removed by the collection company, XXXX  XXXX. 
The item is still showing on my Transunion credit report. I spoke to XXXX with XXXX XXXX who stated that they sent information to be removed to all 3 credit reporting services to have the item removed. 
She said to call Transunion, which I did call today ; they told me they did not receive anything from XXXX. 
I called XXXX back, they said they sent it electronically by email to XXXX on theXX/XX/XXXX. 
I need this item removed as soon as possible ; I just keep on talking to Transunion and XXXX with no positive results to have the item removed. 

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 2017-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
Second request : I submitted a request for collection agency Optimum Outcomes, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said Optimum Outcomes is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
CFPB and the Georgia Office of the Attorney General have been crucial in assisting and intervening so at the very least Ocwen Mortgage Servicing LLC can respond to their careless accounting methods. I filed a complaint through CFPB : XXXX and thankful to CFPB that Ocwen finally responded after a year of trying to speak and getting the run around with representatives at their company. For the most part, my calls were sent to XXXX and individuals who said or did nothing for my concerns. At the present time, in the belief that the situation had been rectified and resolved, in which I will attach the statement from Ocwen showing thus ; p I received a letter from Ocwen stating that I owe {$3000.00} and that I am in default. This is simply incomprehensible. Their latest correspondence dated XX/XX/XXXX is in complete contrast to their XX/XX/XXXX statement which reflects a credit balance of {$720.00} ( attached ). Once again, it appears Ocwen is not only discriminative and disorderly in practice on servicing this mortgage, but harassing and negligent. They have made calls to my home at XXXX XXXX in the morning in collection mode. I am not in default ; the mortgage payment due on XX/XX/XXXX is {$190.00} per the XX/XX/XXXX Ocwen statement credit which is less than the monthly amount due of {$950.00}. Once again, the credit for OVER payments made to Ocwen over the last year compensate for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX( partially ). Ocwen needs to check their accounting once again and stop the HARASSMENT and poor servicing of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
My account went overdrawn and I have never had a refund on this account before, I called tcf and asked for a credit of the nsf fees and was given two credits for {$15.00}. I feel tcf intentionally charges customer overdrafts and never wants to reverse any. I have called 4 times and just do n't have the time to continue to call. I just got back to work from being off medical and do n't intend to overdraft again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
SUNTRUST BANK IS PLAYING SILLY GAMES, THEY CLAIM I OWE THEM SOMETHING, THEN WHEN I CALL THEY WANT TO RECORD ME, THEN I SAY I AM RECORDING THEM, AND THEN THEY HANG UP ON ME, THE LOCATION OF THE BANK XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, I WENT TO THEY SAID I HAD AN ALLEGED DEBT, I THEN CALL THE PHONE NUMBER AND THEY PLAY THIER SILLY GAMES, SEND ME A 'BILL ' NOT A STATEMENT I SAY, 'BILL ' A STATEMENT SHOWS WHAT WAS OWED AND HAS BEEN PAID, SHOW ME PROOF OF VALID DEBT,

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 2017-08-28 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: NJ

Complaint narrative:
XXXX, transunion, XXXX, has reported a fraudulent account on my credit report

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 2017-08-28 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: NJ

Complaint narrative:
XXXX, XXXX, experian, has reported a fraudulent account on my credit report

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 2017-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMA Advisors, LLC.
State: GA

Complaint narrative:
HomeBridge Financial Services , Inc . 

Loan # XXXX my principal is {$710.00}, payment {$1000.00} with Escrow {$330.00} per year sinceXX/XX/XXXX when I refinance and pay over {$3000.00} in Escrow in total over {$6000.00} Escrow insurance {$660.00} tax {$2400.00} total {$3000.00} {$330.00} x XXXX = {$3900.00} now {$400.00} X XXXX = {$4900.00} home bridge inXX/XX/XXXX have increased my monthly payment by {$78.00} with out letting me know I have to pay {$400.00} per month XXXX {$4900.00} per year to cover my tax and insurance wish cast me {$3000.00} Home Bridge company is not acting in my best interest. I should not be forced to over pay every month to keep a roof over my head

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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: OH

Complaint narrative:
XXXX IS REPORTING I HAVE A $ XXXX DEBT FROM XXXX XXXX TO THEM AND I DO NOT HAVE ANY BUSINESS WITH THEM. 

XXXX IS REPORTING A COLLECTION ACCOUNT FOR {$50.00} AND I DO NOT HAVE ANY BUSINESS WITH THEM AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd.
State: OH

Complaint narrative:
I 've sent this company multiple letters ( certified ) asking for proof of validation of this dept. they refuse to respond with actual proof the dates of the letters are below. 

XXXX the dates are as follows letter sent onXX/XX/XXXX received by them : at XXXX am onXX/XX/XXXX in XXXX, CA XXXX letter sent XX/XX/XXXX received by them : XXXX am on XX/XX/XXXX in XXXX, CA XXXX. 

letter sentXX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX. 

XX/XX/XXXX received by them : XXXX am onXX/XX/XXXX in XXXX, CA XXXX **** I have asked multiple times for proof ( signature validation ) this is my debt.. I 'm running out of patience on this. and am considering filing a civil suit next if this does not work.. I have no idea who these people are or why they are ignoring my requests but its getting old..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

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 2017-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
We received a letter of " Notice of Servicing Transfer '' from XXXX XXXX XXXX XXXX # XXXX ; # XXXX. XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX that they were no longer collecting payments, effective XXXX XXXX, XXXX. 
Fay Servicing LLC NMLS # XXXX as your new servicer, will start accepting payments received from you going forward ( account # XXXX ). We received our first statement from Fay in XXXX XXXX, with a balance of {$660.00}. On XXXX {$400.00}, XXXX {$500.00}, XXXX {$430.00}, XXXX {$340.00} were all drafted from my XXXX XXXX XXXX checking account XXXX XXXX. 

We received statement from Fay Servicing for the months of XXXX, XXXX, and XXXX, which did not show the payments being properly allocated to the account. The amount owed, instead of decreasing, was now increased from {$660.00} to {$2300.00} to date. 

I, XXXX XXXX started making telephone contact with Fay, dating back as early as XXXX when i realized the payments were not being applied properly. In XXXX I attempted to speak with XXXX XXXX ( numerous calls and voice messages left ), XXXX XXXX XXXX XXXX 's manager ), XXXX XXXX ( on XXXX XXXX ), or anyone else for that matter with no success. My wife attempted to call on a conference call with her attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, and was given the assurance that the corrections would promptly be made to the account. 

At this present time, Fay Servicing has now locked me out of my account, not allowing me to make anymore payments. They have also began pre foreclosure proceedings against my property at XXXX XXXX XXXX, XXXX GA XXXX. 

I have enclosed all documents to support my disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX : I attained a line of credit loan through XXXX XXXX XXXX. The representative assured me that it was different from a payday loan. I asked specific questions regarding payments..ie " When will it be paid off by making the monthly payment '' I was told by XX/XX/XXXX. I asked about interest rates and was told they were not nearly as high, compared to payday loans. The gentleman was charismatic and lead me to believe the lie. I made 4 payments of around {$200.00} a month. In XXXX I looked at my account and noticed the balance was going up. I contacted XXXX XXXX XXXX and was informed of the 246 % interest rate. I was livid given the original conversation lead me to believe otherwise. I asked the representative to please listen to the recorded message in XX/XX/XXXX. Was told there was no need, since I signed the contract. I told them that they had received enough of my money and practiced predatory and illegal methods to attain the loan account and would not pay them anymore, until they would listen to the recorded phone conversation. They repeatedly attempted contact me and I refused to talk to them. 

Today XX/XX/XXXX : I received a phone call from National Credit Adjusters attempting to collect a debt from XXXX XXXX, I explained my history with them and told the representative that I will contact XXXX XXXX directly to get something resolved. 

I contacted XXXX XXXX and spoke with XXXX. I went through the entire story ( explained above ) and requested once again to listen to the conversation in XXXX Again, I was told that they would n't because they have a signed contract.

Company response to consumer: Closed with explanation