vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I leased a car from XXXX XXXX in XXXX. I was in an accident on Tuesday XX/XX/2019 and my car was totaled. I was 0 % at fault. XXXX was notified within a day of the accident and immediately closed my account. I personally contacted them to make them aware of the accident, too. XXXX was sure to let me know that I did not have any missed payments on the car. My insurance was handling the financial part of reimbursement to XXXX ( XXXX XXXX XXXX ).  I was working with multiple people, but one woman 's name was XXXX XXXX. Her contact was XXXX. The claim was completed immediately after the accident. When I went to purchase a new vehicle, I found out that my credit score had dropped significantly. I looked and saw a delinquency charge from XXXX just 2 and a half weeks after the accident. I was never notified of this charge by XXXX, either by mail or phone. I called my bank and asked them what the charge was from, and they said that XXXX submitted a delinquency charge against me on XX/XX/XXXX, only about 3 weeks after the accident. I do know that XXXX received their check from my insurance company on XX/XX/XXXX paying entirely for the totaled lease vehicle. XXXX was no help at all in this matter - and sent me on a wild goose chase which costed me hours of my time. I now can not finance or lease a new car due to this drop in credit resulting from a wrongful delinquency charge by 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 2019-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UHG, LLC
State: GA

Complaint narrative:
There is a debt at UNited holding group that was sold by XXXX and I need this debt validated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Collection Systems, Inc.
State: TX

Complaint narrative:
National Credit Management called my place of business, spouse and family members stating I had already spoken to him XXXX XXXX at XXXX ext XXXX, after I had already made arrangements with the debtor to pay the balance. The date has not passed but he continues to call these places after I told him this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I HAVE ASKED FOR PROOF THESE INQUIRIES ARE LEGAL. I GET NO PROOF. ONLY SAYS VERIFIED!! I have asked Transunion to remove these inquiries from my report. These are not inquiries from me. I have also mailed all of these companies to remove them or prove I approved the Inquiry and have not had any luck with any response. XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX My DOB XX/XX/1991, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX , OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am submitting a complint due the the fact the there are serious error and questionable items on my credit report. First my name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXXXXXX, OH XXXX My DOB XXXX, my SS is XXXX the following address is not mine please delete the XXXX XXXX XXXX, XXXX XXXX OH XXXX. I have a unverified account that I have never done business with this company XXXX XXXX  # XXXX XXXX   # XXXX, XXXX XXXX # XXXX. There is an account that was paid in full and should have been delete as part of the arrangement XXXX XXXX # XXXX this was not honored please delete.

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 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX ***THIS IS NOT A DUPLICATE COMPLAINT XXXX XXXX DIRECTLY REQUESTED THAT WE FILE THIS WITH CFPB, OCC , XXXX AND XXXX XXXX  OFFICE. 

The short sale was started XX/XX/XXXX with SLS. ( ( Please see previous CFPB complaints that have been cross-filed with XXXX XXXX, XXXX and XXXX XXXX office, attached. ) ) Today, XX/XX/XXXX SLSs Underwriting Department required a cash contribution from the borrower. This request is a violation of California State Law. Additionally, the borrower is a minority. SLS has no regard for Federal or State Law, nor servicing guidelines. 

**All of this is well after the buyer accepted their most recent counter offer on XX/XX/XXXX. This should never have gone back to underwriting review it should have gone out for an approval, since the counter offer was met. This is just another example of SLS dragging out decisioning to line their pockets with increased default servicing fees. 

SLS has already been fined for these same issues, yet they keep violating Federal and State Law. When is something going to be done about this? 


CC : 1. XXXX XXXX 2. OAG 3. XXXX XXXXs 4. OCC

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 2019-07-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bliksum, LLC
State: CA

Complaint narrative:
I was charged a late fee although I've paid {$700.00} over two payments, on time, in the past two weeks. This is more than twice as much as my minimum payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
This is not my account I want it to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I've tried to open a checking account at a local XXXX but the associate mentioned he was not able due to a popup error about a block requested by TD Bank. I don't remember having any issued with TD Bank while having this account in 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc.
State: CA

Complaint narrative:
In XX/XX/2019, I received a letter from Account Control Technology saying they were trying to collect on a debt. I wrote and sent them a written request ( via certified mail ) to validate the debt. I have not heard back from them until this morning. A representative called me " in an attempt to collect the debt ''. I asked why they are calling me when they haven't responded to my written request for debt validation sent back in XXXX. I was not able to receive a straight response from the rep. She said she could add me to the " Do the call '' list. Not good enough, I want the matter resolved and I want to know why my request was ignored and why I am being contacted again without ACT having validated my request. I asked to speak to a manager or supervisor, he also beat around the bush and would not answer why they have ignored my request for validation. I became frustrated and decided to pursue this matter with other authorities and to file complaints against ACT. My rights under the Fair Credit Reporting Act are being violated by ACT.

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 2019-07-11 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: CA

Complaint narrative:
EQUIFAX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT EQUIFAX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. XXXX XXXX NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT. 
EQUIFAX IS IGNORING MY REQUEST, XXXX STATED THEY ARE NOT REPORTING BUT EQUIFAX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - Suntrust Bank dba XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XXXXXX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXXr XX/XX/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 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: KY

Complaint narrative:
When our home mortgage was transferred to Greentree Financial we did not receive a notice that our mortgage had been transferred from XXXX XXXXXXXX until we had already Made the current payment to XXXX XXXX XXXX. XXXX XXXX XXXX did not transfer the payment to Greetree. We disputed errant application of the payment, sent faxes with documents but never got it resolved. 
Green tree trans freed the loan to DiTech Financial. In XX/XX/2019 I XXXX XXXX spoke to a DiTech representative who said that if I made Payment of {$1900.00}, which was {$500.00} more than the original payment of {$1400.00}. for three months, that missing payment would be caught any interest incurred would be added to the en of the 30 year loan. The loan was subsequently transferred in XX/XX/2019 to XXXX. 
Today, although XXXX had been authorized to deduct the payment, in XX/XX/XXXX and XX/XX/XXXX they failed to deduct the payments, when I called to correct their oversight, which I also did in XX/XX/XXXX ( the payment was deducted on XX/XX/XXXX instead of XX/XX/XXXX as authorized, I was told that DiTech had not applied the money to that disputed payment. They applied that {$1500.00}. To escrow and other charges they could not specify Our loan # isXXXX. 
Please help, we are senior citizens retired with health problems. My wife has has XXXX twice, XXXX XXXX and a XXXX XXXX and I need XXXX XXXX. We are on a fixed income, trying to do the right thing. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-11 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: AES/PHEAA
State: WI

Complaint narrative:
MyaccountwassupposedtobeataXXXXdollarpaymentuntilXX/XX/2019Anditwasreported90dayspastdueinXX/XX/2019Ihavecontactedthiscompanyover20timesandIhavereachedouttoalllevelsofsuperioritywiththecompanyandtheynorthecreditbureauswillupdatemycreditfilecorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: TX

Complaint narrative:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, XXXX XXXX XXXX for {$800.00}, XXXX XXXXXXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CHXXXX - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, XXXX XXXX COMMUNICATIONS for {$800.00}, XXXX  XXXX for {$1200.00}, US DEPARTMENT OF ED for {$6200.00}, {$1700.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. Sincerly XXXX XXXX Last 4 of SS # XXXX XXXX : XX/XX/1970

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: CL Holdings LLC
State: CA

Complaint narrative:
XXXX IS WRONGFULLY REPORTING A NOT VALID COLLECTION ON THE REPORT. I DISPUTED WITH ALL BUREAUS XXXX AND XXXX DID REMOVE BUT XXXX KEEPS MAILING " ACCOUNT WAS VALIDATED AND ACCURATE '' STATEMENTS WHICH ARE FALSE - SEE ATTACHED EVIDENCE. JEFFERSON CAPITAL NEVER CONTACTED OR NOTIFIED OF THIS COLLECITON. COULD NOT VALIDATE, AND XXXX THE ORIGINAL CREDITOR SUPPOSEDLY, THEY COULD NOT EVEN FIND THIS ACCOUNT. I HAVE ALWAYS BEEN IN GOOD STANDING WITH XXXX THERE IS NO PAST DUE DEBT, THIS COLLECTION IS IRRONEOUS AND SHOULD NOT BE ON THE REPORT. 
XXXX IS IGNORING MY REQUEST, JEFFERSON STATED THEY ARE NOT REPORTING BUT XXXX STATED THEY VALIDATED ... HOW CAN THEY VALIDATE AN ACCOUNT THAT DOES NOT EXIST ....

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
To whom it may concern : This account is missing information, and is currently, and has been, reporting incorrectly on my credit report. This is illegal, and a violation of my rights! I have requested validation several times, and I have suffered damages due to the incorrect reporting on my credit report, that you are responsible to validate. 

Please Delete immediately! 

There is no High Balance reporting, where it should be. This has been reporting incorrectly for an extended amount of time, despite me requests for my rights to be protected and to have this assessed : 1.  XXXX  XXXX. 
Delete immediately, as this is a violation of my rights! 

Sincerely, 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 2019-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
I am the daughter of a XXXX veteran. I moved back to my home state around XX/XX/XXXX to care for my Father during his illness. After his death on XX/XX/XXXX, I was appointed as the Personal Representative for the estate. 

The insurance cancelled around XX/XX/XXXX and PHH forced-placed insurance on the residence during hurricane season. Subsequent to that two major hurricanes occurred back to back causing damage to the residence. Subsequent to that I sustained a work injury that left me unable to return to work. In the interim while I was awaiting adjudication of workers compensation claim, PHH denied assistance to help avoid foreclosure, initiated foreclosure during review of loan modification and failed to properly process application for loan modification as the successor in interest.

I am writing to report the illegal wrongful fraudulent foreclosure by PHH Mortgage Corp on XX/XX/XXXX, the misconduct regarding servicing and foreclosure practices, poor servicing practices, predatory lending, improper records practice, not correctly following lending laws, errors in documents and mortgage servicing fraud. PHH denied assistance to help avoid foreclosure, failed to correct notice of errors on their records that was identified, failed to process loan modification and unprocessed loan modification. I will followup with additional information to documenting dates and time of events. I am asking for a review of this mortgage foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
Phone number kept calling me, and after googling the number found out it was registered to a debt collection group called The CBE group.  Blocked several iterations of their phone number and still keep receiving calls from them. Tried calling them and got directed to an automated voice message system. Receiving the call only results in a few seconds of silence before the call ends. Calls are repeated and happen daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-11 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: TX

Complaint narrative:
I received a copy of my credit file and enclosed is an account list under XXXX XXXX  for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00} and BANKRUPTCY CH.XXXX  - PETITION FIELD for {$0.00} accounts which does not belong to me. So I am writing to excercise my right to request verifiable proof of the negative events listed within my credit file. The U.S. Code 1681g-Disclosures to consumers requires CRA 's to disclose the sources of information regarding negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE ACCOUNT : XXXX XXXX for {$5500.00}, {$2900.00}, {$7400.00}, {$4000.00}, {$3700.00}, {$2000.00} and BANKRUPTCY CH.XXXX - PETITION FIELD for {$0.00} accounts ; I expect that you will provide VERIFIABLE PROOF as required under 15 U.S. Code 1681g-Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect this negative event to be removed. Please communicate your intentions in writing. 
Sincerly XXXX XXXX Last 4 of SS # XXXX D.O.B : XX/XX/1970

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 2019-07-11 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: WI

Complaint narrative:
My account was supposed to be at a XXXX dollar payment until XX/XX/2019 And it was reported 90 days past due in XX/XX/2019 I have contacted this company over 20 times and I have reached out to all levels of superiority with the company and they nor the credit bureaus will update my credit file correctly

Company response to consumer: Closed with explanation