vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I don't understand why once again USAA XXXX XXXX XXXX ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by USAA XXXX XXXX XXXX after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to USAA XXXX XXXX XXXX taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information USAA/XXXX XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I don't understand why once again XXXX XXXX XXXX XXXX ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX XXXX XXXX XXXX after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX XXXX XXXX XXXX taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXX/XXXX XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I don't understand why once again XXXX Nationstar Mr. Cooper ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by XXXX Nationstar Mr. Cooper after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to XXXX Nationstar Mr. Cooper taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information XXXX/NATIONSTAR MORT - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: GA

Complaint narrative:
I had check my credit an found some late payments on my credit report, I have written 4 letter to transunion and XXXX   requesting a validation or deletion of these inaccurate reporting in my credit, they have fail to provide me with proof that i was ever late as is requested by FCRA section 609b, they just come back to me saying it was verified by lender but no contact information is provided as : who they spoke with, position of the person, telephone number, duration of the call, etc.. .XXXX  has removed this inacurate or unverified reporting, I have sent a copy of it.

This is a clear violation of the law and it will be reported with FTC, for these violations as well as this complaint constitude proof in a court of law for litigation.

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 2018-09-05 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: CITIBANK, N.A.
State: AL

Complaint narrative:
I have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on 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 2018-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NC

Complaint narrative:
I have contacted both XXXX XXXX and XXXX in regards to a negative account being reported in my credit files. I received a letter from XXXX dated XX/XX/2018 stating the account was sold to XXXX XXXX. Prior to this date, I received a letter from XXXX XXXX stating they provided verification of the debt, this is untrue. The information received did not have my signature therefore that is not validation. In addition, the letter stated that my credit reporting dispute is with XXXX XXXX XXXX. 

I am requesting for this account to be removed from all 3 credit bureaus, as neither company has provided me with validation that proves this is indeed my account. 

**Both letters are attached **

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
XXXX XXXX has double paid on the yearly taxes for our house. We have noticed that Carrington Mortgage Services , LLC did not recognize the payment at all and their still making us pay monthly. We didn't know that we did not have to make the payment and they were gone take it out over a 12 month period. We went to the XXXX Tax Collector and they told us that they sent our payment to Carrington Mortgage Services because their records showed that the taxes had been paid. They should have sent the payment back to XXXX XXXX. They told us that Carrington has our money, but they are saying they never received it. So far XXXX Tax Collector and a lawyer both tract the cashier check to Carrington Mortgage service. Can you help us get our money back from Carrington Mortgage Services. We paid with a cashier check from XXXX XXXX XXXX XXXX check # XXXX for the amount of {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/13 i placed a check from my grandmother in my bank of America account. The check was not verified and they immediately closed account & sent check back & closed the account on suspected fraud. All they had to do was contact my grandmother [ which the next bank i oppened did ] and she would have verified the check was Not fraud and to cash it. This is now why i am unable to open a new account. The check was not fraud a simple call to her would have shown that.

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 2018-09-05 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: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
I called on XX/XX/18 and spoke to a lady and told her that my XXXX account was not listed on any of my credit reports. I have a signed copy of the reaffirmation agreement from the court but they refuse to show my account in good standing.I was told that they will not report my account even though I was never late or missed any payments. The reaffirmation agreement with the court should make them legally have to report my account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
I have a home loan through NationStar Mr.Cooper.I signed a loan adjustment with them a few years ago and the numbers seem to be way in there favor.I did not chose this company, XXXX XXXX closed and signed over my loan and I had paperwork stating it was paid in full.I think they took advantage of me.I have been reading up on all the lawsuit activitiy with this company.My house was damaged by a small fire.I recived my insurance check and am worried about sending it to them to sign off.I have read many complaints about them keeping the money.I have paid for all the materials and made all the repairs out of pocket.I have a terrible feeling they are going to keep the check and pocket the money like they have with many other customers.Can you please help me?? Please, Im a good guy, never been in any trouble, no repos or foreclosures, very good credit, was a XXXX and do a bunch of XXXX XXXX with XXXX XXXX and XXXX XXXX, Thank you.XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2018 I received from Chase ' PLEASE accept our apology ' letter dated XX/XX/2018. about foreclosure that occurred in error and previously reported TO CFPB. 


Because as of XX/XX/XXXX XXXX at XXXX XXXX XXXX conveyed that Chase has still not as promised a month ago, removed my home from foreclosure I feel compelled to submit new complaint. 

Further this letter is inconsistent with what actually occurred & suggest that Chase had already sent me a copy of modification decline. Albeit on XX/XX/2018 I was told a letter went out XX/XX/2018. 
This is actually the first time I have received it.with apology letter. 

Also, never did any Chase representative tell me to make four payments as letter suggest. 
Fact is I was told to make one payment by XX/XX/2018. instructions were ALWAYS one payment before XX/XX/2018 or worse case senario three before XX/XX/2018. 
Which I attempted to pay the three before XX/XX/2018 to no avail because Chase would not accept. 

As previously documented this property should have never been in foreclosure as admissions made by several Chase representatives. 

I have from inception of modification to now done everything instructed by Chase and they have received payments and Chase executive office  promised a month ago my home would be off foreclosure. Chase sent letters that appeared home was off foreclosure and logical progression was XX/XX/2018 payment. 

But than that was requested to be amended by Chase executive office to XXXX and stated that I couldn't pay via phone, mail or branch. And that Chase would contact me when Chase figured out payment arrangement. 
But my home would be removed from foreclosure. 

I am extremely distressed distraught and literally ill over this. 
I am in possession of letter from Chase citing my payments are current. 
But my home remains on foreclosure sale XX/XX/2018 This is outrageous stress that's been going on since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have had trouble with this account due to their system error that gave incorrect amount of days that my account was past due that caused me to pay over 30 days late and I also was told by one of their representatives that if I paid by XX/XX/2017 it wouldnt reflect a late payment. I have disputed with credit bureaus and have asked the company to fix this since they had a system errors. Multiple representatives have verified that they had a system error but still havent fixed this. I have been working on this since it happened on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I was working with my relationship manager XXXX XXXX XXXX at Ocwen Home Retention Dept.since XX/XX/XXXX, and she was helping me with loss mitigation offers since last year. Therefore, in XX/XX/XXXX I was offered a loan modification in which I accepted and submitted to Ocwen by email in which I received a confirmation on XX/XX/XXXX. During my myriads of telephone conversations with Miss XXXX at Ocwen I was reassured that while I was working with my relationship manager to find a solution for my loss mitigation options to retain my home Ocwen will not go forward with a foreclosure. However, in XX/XX/XXXX Ocwen filed a motion to restore my foreclosure case ( Index No. XXXX XXXX Supreme Court ). Even though I was working with Ocwen in good faith to get either a short payoff offer or a loan modification during the time period in which Ocwen 's Attorney 's filed a motion to restore my case for foreclosure I was appalled to learn of their action. Furthermore, when I when to Court today to inform Ocwen 's attorney 's that I accepted a loan modification and showed the attorney from XXXX, XXXX and XXXX XXXX. 
proof and confirmation of email they did not remove their motion to restore.There was a letter submitted to the Honorable XXXX XXXX XXXX on XX/XX/2018 by the attorney 's for the Plaintiff, through it's servicer, that an active " CFPB '' hold applies to the Action base on loss mitigation activity. 
In pertinent part, the CFPB rules amended Regulation X which implemented the Real Estate Settlement Procedure Act ( " RESPA '' ). The CFPB rules prevent " dual tracking '' where a servicer is simultaneously evaluating a consumer for a loan modification or other alternatives at the same time that it prepares to foreclosure on the subject property. 
Sincerely. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Someone stole my wallet a while back and I am starting to see random things pop up on my credit report in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: NY

Complaint narrative:
Experian continues to report an account that is not mine. I never had an account with 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 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Dear CFPB I am writing this letter complain about Bank of America change my XXXX   dollars and don't admit it.l just opened Bank of America check account one week ago. When l withdraw some money from my XXXX XXXX XXXX XXXX to my bank of America because l still used temporary card that time so it's failed, when the money returned to my Borker XXXX USD dollars disappeared, l called to my Borker asked who charge my XXXX dollars and they sent me little verified and confirmed bank of America charge my XXXX dollars with date evidence. l called bank of America more than 10 times and went to bank office spent 3 days try to fix this problems but they just don't admit it. 

I am visiter l believe there's more coustomer charge money for no reason because bank of America system problem, and they may can't speak XXXX or suit to expensive, so they give up. 

Bank of America need return my money and apologize wasted my time, l really disappointed about this low quality service, l can't trust Bank of America again. 

XXXX XXXX Looking for fix this problems XX/XX/2018

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 2018-09-05 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: WV

Complaint narrative:
I disputed a negative item on my credit report from XXXX XXXX XXXX XXXX, located in New York ; the dispute was submitted to Experian in XX/XX/XXXX. I filed that I was scammed into a contract for a credit card processing machine on the promise of a loan for {$6000.00} to open my restaurant or I could cancel the contract ( XX/XX/XXXX ). The telemarketer, XXXX XXXX XXXX, did not let me know until XX/XX/XXXX, that I could not get the loan. XXXX XXXX charged me through debitting my checking account and I wasn't even open or making money! I sent the machine back but XXXX XXXX would not cancel the contract at any time, they said it was past yhe 10 day cancellation period which was in very small print! The New York Attorney General 's office has filed a suit against XXXX XXXX XXXX XXXX for their deceptive business practices and fraud, which I have just recently added my complaint to. They have an F rating with the XXXX XXXX XXXX! https : XXXX I tried to dispute again and on top of not giving but 210 spaces to write a complaint, Experian said they would not accept another dispute and they had the right to not accept disputes! This is not right on either party, XXXX XXXX XXXX XXXX OR Experian.com!! I couldn't even give experian the links and this is not fair consumer reporting! I was scammed!!

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 2018-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: GA

Complaint narrative:
On XX/XX/2017 an Open Collections appeared on my credit report from the American Adjustment of Burea Inc on behave of the original creditor XXXX XXXX of XXXX. The alleged debt owed is {$310.00} The first action I took was to dispute the collections with XXXX but they claimed to not be successful with the dispute. I am no form in relation with this company or debt, for I have never been to the XXXX of XXXX or have done any business transactions. There is no proof or documents showing me in relation to this debt and so it is clearly not my debt. Up to this day is it still on my credit report and it could be potential identity theft on their end about this collection.

Company response to consumer: Closed with explanation