vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-09 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: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX partial account numbers XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account numbers XXXX. ( Please see page 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-09 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: NC

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 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: MS

Complaint narrative:
XXXX is reporting NEGATIVE information to the credit bureaus, thus adversely affecting my credit score.. MY account is in GOOD standing with XXXX. The account XXXX is NEGATIVELY reporting DOES NOT belong to me! 

Experian has lowered my credit by 12 point, thus changing my creditworthiness!

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 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: NJ

Complaint narrative:
My account was " temporarily restricted '' on XX/XX/2019. All I tried to do was transfer funds into the account from a linked external account. I've attached the email at the end of the complaint. 

It has not been more than two weeks and my funds are frozen. No transfers in or out are allowed. I have absolutely no access to my funds. 

Moreover, no explanation as to why my account has been frozen has been given. All I was ever told was " We are still reviewing your account because our system alerted us to some inconsistencies between activity on your account and the terms of our member agreement. We do not currently know what specifically those inconsistencies are and that is why we are taking the time to review everything before we reach out to you with an update. '' Even after I asked them about which sections or clauses of the member agreement were violated, they never got back to me. Customer Service has absolutely no information on this. They haven't made any progress on this " review '' after I've repeatedly made it clear that there has been no fraudulent activity on this account. 

-- -- -- -- -- - Original Email : " Hi X, We take the safety and security of our Members accounts very seriously. For your own protection, your SoFi Money account ending in XXXX has been temporarily restricted. 

While we review your account and determine next steps, you will not be able to perform : Deposits or withdrawals from your account Electronic or check transfers to or from your account including Bill Pay Debit card purchases P2P transactions In the event we need additional information for our review, we will contact you directly. We will also notify you once the review is complete within the next 7 to 10 business days. We appreciate your patience while this process is completed. 

Best, The SoFi Money Team SoFi Securities LLC ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX XXXX XXXX XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 12 and 13 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, it is coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2018, I ( XXXX XXXX ) ordered an official cashiers check at a local BB & T branch located at XXXX XXXX XXXX XXXX XXXX, SC XXXX. The check was made out in my name ( XXXX XXXX ) for XXXX XXXX XXXX XXXX XXXX and XXXX cents ( {$2100.00} ). I requested this check on my own accord because I planned to close my account at BB & T and place the remaining funds into my XXXX  XXXX savings account. I endorsed my name on the back which is verified by the scanned images attached to this document. On XX/XX/2018 the check was electronically deposited by my mobile device into my XXXX XXXX Savings account. Please refer to Attachment No. 1 scanned document of the cashier check. On XX/XX/2018 my XXXX XXXX savings account had an adjustment debited for the amount of {$2100.00}. Once I was made aware of this I had started my own investigation process to determine where the funds were transferred to. 

On XX/XX/2018, I met with BB & T Branch Banker XXXX XXXX to discuss my account issue and to determine where my funds have been transferred. After XXXX XXXX research, she informed me that the funds had been physically deposited a second time to a XXXX XXXX XXXX location in XXXX, SC. The account belonged to an individual that opened the account at XXXX XXXX XXXX location in Virginia. Under XXXX XXXX recommendation, I filed a police report with the XXXX XXXX Police Department. I contacted an investigator at XXXX XXXX and informed them of the situation. XXXX XXXX launched their own investigation into the account and sent a copy of the second deposited check with alterations made to the bottom of the endorsement line. Please refer to Attachment No. 2 scanned document of the altered scanned document. 
The check was taken from my possession and wrote a Pay to ( Person 's Name ) description with a signature under my own endorsement. This was conducted without my knowledge or permission. I requested that BB & T and XXXX XXXX banks investigate the matter and have received no attention or concern.

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 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
On XX/XX/XXXX at XXXX I received a phone call. Gentlemen asked for me by name. I asked who was calling. He said his name and the company too fast to understand. Ask him to repeat. He repeated it slower and I was able to understand. I dont remember his name but he was calling from diversified consultants. I never confirmed or denied I was the person he is looking for nor did I verify any personal information. I simply said how can I help you. He proceeded to tell me he was calling from a 3rd party debt collector for XXXX and I owed {$140.00}. I ended the call. He gave out information regarding a debt to somebody who could have been a total stranger to the person he was looking for. 
On XX/XX/XXXX at XXXX I received another call. I said you have incorrect information and was hung up. At XXXX on XXXX i received another call. I was not very polite but told the lady they already called and talked to some one that day and couldnt call again. She said they could call up to 3 times a day and they didnt call. I told her they could call 3 times if times if a message isnt left or they dont talk to anyone. She repeated they never called that day and was angry I was rude to her and hung up. 
On XX/XX/XXXX i received a letter in the mail. It states they are collecting a {$140.00} debt from XXXX. I have contacted XXXX. They have no record of me owing this debt.o have not contacted diversified consultants yet because of poor reception but plan to tomorrow. 
They are attempting to collect a non existent debt, violated privacy laws, and made repeated phone calls in one day.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.Q. DATA INTERNATIONAL, INC.
State: IL

Complaint narrative:
After the vacation of an apartment that my partner and I rented, the apartment after changing the locks and locking us out of the apartment on the last day of the lease agreement and locking our belongings up, They requested for XXXX something for damages, cleaning and key replacement and sent to collections. The collection company IQ Data called my partner on XX/XX/2019 while she was in class and she told her she needs to pay now or represent the balance that their client asked them to collected. My partner XXXX told her she's busy right now and will call back soon as she's free that day to make payment and she's not refusing to pay.The agent kept threatening and wasn't listening to her, kept saying she'll record this as refusal to pay and may be reported to her credit, my partner was furious, hung up and texted me. Being a collector I wanted to call IQ DATA to address this and remind them of FDCPA REGULATIONS. But The agent called me withing the hour and kept telling me she needs a representation and told me the same thing she told my partner. I asked for a supervisor and he wouldn't let me talk and told me he's busy at first before talking to me n kept asking me how do I want to pay. And called it collection tactics.. I told him I'm not refusing to pay and my partner will call back and pay but he said since I'm on the phone pay and get it later from my partner. I told him Im busy and my partner will pay. He them proceeded to say our account is in refusal to pay and will report as refusal to pay. I told him because he's not listening to me cease and desist and I hung up

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
My husband and I have made several attempts to contact Mr Cooper regarding our now delinquent tax bill, which was due on XX/XX/2019. I will attached my statement from XXXX, which was my previous loan servicer, which shows that they indeed did not pay the tax bill out of our escrow account, and Mr. Cooper now has over {$3500.00} in escrow and should be paying this bill. Their records indicate that XXXX paid the tax bill. It is not paid. 

I have contacted them on several occasions by telephone and still have received no correspondence or action regarding the the above referenced tax bill. 
Here are the correspondence as follows : XX/XX/2019 at XXXX Phone Call This was our initial call in which we addressed the tax bill was not paid. We were told that they would be passing the information to the tax department for review, and they were going to contact the county and handle the payment. Then we would receive confirmation of that payment. 

XX/XX/XXXX Phone Call On the second attempt to contact Mr Cooper, we were told that the information was never sent to the tax department, and that the would now be sending the tax information, that someone would be contacting us regarding the tax bill. We never got any calls or correspondence back, and the tax bill was never paid. Their records indicated that the tax bill was paid by the loan servicer, my attached document is proof the previous loan servicer chase did not pay the tax bill through escrow. I asked for documentation that the information sent to the tax department called a XXXX be send to me. They refused to send this documentation to me. 

XX/XX/XXXX approx XXXX - Phone Call On my third attempt I asked that this be taken care of, and that the tax bill again would be paid. The person I spoke with one the phone told me she was accelerating the situation and that I should be getting a call back from a supervisor. After 24 hrs, I still have not gotten a call from a supervisor, or any calls back or confirmation that my tax bill has been paid, much less addressed. 

XX/XX/XXXX : XXXX - Faxed Letter and Tax Bill to Tax Department at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
In XXXX of XXXX, I bought a used car with the lender called XXXX  XXXX and paid my car note on time on the 3rd of every month. On XX/XX/XXXX of XXXX, I bought a brand new XXXX XXXX. The salesman at XXXX told me not to pay my car note to XXXX XXXX because since I was trading my old car in, XXXX XXXX would be buying out my previous lender. XXXX XXXX continued to call me so I spoke with someone and explained that I traded in the vehicle. They told me that they didnt receive word of anything and that I needed to contact XXXX. I called XXXX and they assured me that everything was fine. I then noticed on my credit report that my XXXX  XXXX account had finally been closed on XX/XX/XXXX of XXXX with a 30 day late delinquency, which dropped my score 40 points. I have never been late a payment and they stated that my late payment was the month I didnt own the car. I disputed this twice with transunion, only to be told that it was accurate. I then called XXXX XXXX myself and was told that what I was supposed to do, was pay for the car I no longer had until the account was closed. I had no knowledge of this even after speaking with someone prior from the company. They told me that they had trouble calling my cell phone. I have an email address and a physical address with the company so I dont understand why phone was the only way they tried to contact me. I was never told that I had to keep paying even if I didnt have the car. I never had a late payment so why would I pay late the very last month?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Castle Credit Co Holdings, LLC, Chicago, IL Branch
State: TX

Complaint narrative:
In XX/XX/XXXX of XX/XX/XXXX i purchased a rainbow vaccum cleaner and was financed through XXXX XXXX. I was approved for a 3 month deferment on payments and signed the contract in my home on XX/XX/XXXX a payment to XXXX credit was withdrawn from my account. When i contacted the company and informed them of this they stated that they had received a verbal authorization for the terms of the contract from my husband approving the first payment. When i requested proof of this phone recording i was denied. I was also denied when i requested a refund of the funds they took from my account. I requested that the vaccum be picked up from my home. If the terms of the contract i agreed to would not be followed i did not wish to keep the item. I was told okay by one of their representatives and the call was ended. A month later i began receiving harassing phone calls from someone identifying themselves only as a representative of the department of collections. Only after repeated pressuring was i able to find out they were calling from castle credit. I was threatened with lawsuits and wage garnishments if i did not pay on the vacuum i informed the representative that i had spoken to someone else previously and requested the vacuum be picked up and returned i was informed that could not be done and i would have to pay or risk legal consequences and a negative mark on my credit report. I offered to return the vacuum at my own cost. I was again denied. I had to pay for a stop payment on my bank account as they told me they would continue to attempt to withdraw payments. I received multiple letters in the mail threatening me with legal action if i failed to pay. I would come home to messages on my answering machine even though i repeatedly requested they not contact me. Today after they have written the debt off on my credit report I received a call from them and they requested i verify my information with the last four of my social and my address i refused to give out this information and terminated the call. A minute later they called back again. Then they contacted my husbands employer and informed his employer they were calling in reference to the debt. I know they are allowed to contact people requesting information to reach us but they are not allowed to tell them its regarding a debt. 
I have had multiple friends inform me they were contacted and had messages left on their phone that castle credit was attempting to reach me regarding a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America is sending emails demanding payment when I have written to them and provided proof I am not the correct person, I have signed registered mail they received my response to their attempts. Ive also filed a complaint with CFPB but they continue to attempt to collect from a third party who does not owe the alleged debt. I have an attorney wanting to take the case on contingency and I am providing his law firm with all the documents Ive already provided in my attempt to have Bank of America stand down on their attempts to collect from a consumer who has already provided the legal response necessary for them to cease and desist voluntarily.

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 2019-04-09 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: Credit Karma, LLC
State: NJ

Complaint narrative:
I got a report from credit karma stating I have a recent hard inquiry from a company called XXXX XXXX on XX/XX/2019. I have never heard of the company and I did not contact that company for any business or whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
This is a follow up to complaint XXXX. 

In response to my complaint against SPS ( Select Portfolio Servicing , Inc. ) they sent me a letter stating I am in default on my loan. 
Not only is this completely false, it is punitive and retaliatory and completely unacceptable. 

It appears that SPS is demanding that we pay our entire mortgage in full by XX/XX/XXXX, which is not going to happen. I am submitting my timeline with this incredibly inept loan servicer which has completely screwed up my loan from day one, along with the new threatening letter. 

Looking at more than 1200 complaints against this company on the CFPB site, it's pretty clear we'll be needing a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation