vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
T his reporting agency is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent TransUnion SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where TransUnion has received validation from the the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record ( not mines ) as well as documentation received from the courts. I was also informed on the same call that they dont Request get validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it! Ive scheduled several callbacks for a supervisor, but that has not worked out asthey were supposed to call me months ago and I have yet to receive a callback! They are just doing what they want to do and this is an outrage! All supporting documentation has been sent and they are still refusing to remove the inaccurate information

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 2018-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I've contacted Capital One several times the last 30 days and still not able to get access to my money. I was told I needed to create a access code since my account is blocked and still after several weeks not able to have access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX  refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, XXXX, and XXXX XXXX that I owe them {$9900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I contacted XXXX XXXX/XXXX XXXX XXXX  to have the cosignor released from my loan. They said after 36 consecutive payments that I could do this. I filled out the form and sent it back. I received an email stating it was denied due to I didn't make 36 consecutive payments. I emailed them Back and they said they made a mistake. Then they told me I had to resubmit a release form again as I forgot to check off that I am a us citizen which I told them I was. I thought that being denied for only that reason and they were wrong that they can't deny me for any other reason. I feel like they are just giving me the run around. Please let me know if they are wrong in making me reapply for the cosignor release?

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: VA

Complaint narrative:
I am a victim of identity theft. i submitted my identity theft report to Equifax to have the information blocked according to the ftc that i have the right to do. I was not given a reason why they refused to block the information. Instead they keep disputing the information with the consumer and it comes back verified. I have been trying for months to get this issue resolved but to no avail. the accounts are XXXX XXXX XXXX and a XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
T his reporting agency is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent XXXX  SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where XXXX has received validation from the the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record ( not mines ) as well as documentation received from the courts. I was also informed on the same call that they dont Request get validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it! Ive scheduled several callbacks for a supervisor, but that has not worked out asthey were supposed to call me months ago and I have yet to receive a callback! They are just doing what they want to do and this is an outrage! All supporting documentation has been sent and they are still refusing to remove the inaccurate information

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 2018-06-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CASHCALL, INC.
State: CA

Complaint narrative:
CASHCALL INC Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX Status Closed. {$2600.00} written off. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX a few years ago CASHCALL INC reported this fraudulent collection on my credit report. When asked to validate they send me blank -UNSIGNED contract that has name of a person similar to mine. As I disputed they stopped calling me but now I show they are still reporting this erroneous collection on my credit report. When I called to dispute this account they stated they were taking me to court on this account I did NOT open back in 2012 ... isn't this illegal to do? now they stated they are planning to garnish wages and are offering a settlement for account that is not mine in first place and they could not provide proof of this debt or my signature of this debt..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, XXXX, and Trans Union that I owe them {$9900.00}.

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 2018-06-12 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: PA

Complaint narrative:
I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to Equifax,  XXXX, and XXXX XXXX that I owe them {$9900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: PA

Complaint narrative:
I had a collection balance on a XXXX XXXX loan for {$9200.00}. XXXX agreed to settle my remaining balance for one payment of {$2000.00}. I am attaching a copy of the settlement arrangement to this complaint. I paid the {$2000.00}. I am also attaching a copy of the XXXX XXXX money transfer. Despite paying the settlement arrangement, as agreed, XXXX XXXX refuses to update my credit report appropriately. Its been nearly 4 months since the settlement arrangement was made and funded, and they are still reporting to XXXX, Experian, and XXXX XXXX that I owe them {$9900.00}.

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 2018-06-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: REGIONS FINANCIAL CORPORATION
State: MN

Complaint narrative:
We discovered two fraudulent charges on our XXXX credit card statement. I contacted the credit card company, and they had me file a dispute by filling out a form and faxing to them which I did on XX/XX/. Several months passed and we had not gotten any response nor credit on our account. I contacted the credit card company once again and was told that to email the dispute foam which I did on XX/XX/XXXX. As of XX/XX/XXXX I still have not gotten a response nor a credit. I tried calling the company directly and was transfer to the fraud department, and I was instructed to leave a voicemail.

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 2018-06-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: OH

Complaint narrative:
OCWEN repeatedly failed to apply my mortgage payments that were sent directly from my bank and those that I sent through the OCWEN website using their payment service. I kept sending my payments, even as OCWEN failed to apply them. I would send in the exact amount specified on the website and on their phone line. I paid for my homeowners insurance in full, out of pocket, then OCWEN claimed I didn't have insurance and adjusted my escrow. Finally, after I kept calling to report that they were not applying my payments, OCWEN started sending my payments back, putting my mortgage behind. This is the second time that OCWEN intentionally and fraudulently failed to apply my mortgage payments to drive my home into foreclosure, despite my paying the exact mortgage amounts specified on my bill. I believe that OCWEN is trying to steal my home, which I alleged in a previous complaint, after they filed a foreclosure on my home, in violation of federal laws, which prohibit them from raising a fixed loan amount. They claimed my escrow was short by a few hundred dollars. OCWEN is trying to take homes that belong to XXXX people in identified neighborhoods, such as XXXX in XXXX, Ohio. I believe they are doing it in conjunction with certain corporations that are engaging in land grabbing in areas being gentrified. I called OCWEN and was told I owed an outrageous amount of money, which multiplies by thousands each passing day. In one phone call, the agent first told me I was behind 89 days, then after I told him that was impossible, he changed it to 169 days. I repeatedly told him that OCWEN sent my checks back or failed to properly apply my payments, then claimed I was behind. They then sent me a request for a balloon payment, after they intentionally failed to apply my payments. I am requesting that OCWEN be fully investigated for failing to follow federal loan guidelines and for stealing homes in XXXX neighborhoods using illegal loan practices. They also broke into my home and stole over one million dollars in personal and business property when my house was not even in foreclosure. In spite of multiple lawsuits, OCWEN has not changed its predatory lending practices, but continues to take advantage of XXXX homeowners that they think can not afford to defend against their unscrupulous practices through lengthy litigation. I can't reach a supervisor or any qualified rep whenever I call. My loan should have been paid off, but they keep restarting my loan every time they force a foreclosure action. They are intentionally driving homes, like mine, into foreclosure that would not be in foreclosure, except for their conduct. I am requesting OCWEN be fully investigated for violating fair lending laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Purpose of this complaint is to show the intentional act by Wells Fargo to damage and cause harm to my credit. 

XX/XX/XXXX on XXXX, and XXXX W.F. stop reporting my payments causing my credit score to drop. 

XX/XX/XXXX due to a family emergency i arranged to make monthly payment 30 days late this timeframe was for two months, W.F. reports XXXX, XXXX, XXXX and XXXX late, the issue is XXXX and XXXX are incorrect they reported 60 day late for XXXX and XXXX needs to be changed to 30 days late. I have my bank statements. 

XX/XX/XXXX to XX/XX/XXXX i struggled with W.F. to modify my mortgage, they refused payments and passed me to multiple agents. Then start the process over again and again. They placed my home in foreclose and this process allowed them to add additional fees coercion me under duress to accept the unlawful fees in order to keep my home. 

Currently my credit report reflects a very unlawful status and its out of my control. I am asking for your assistance in correction this matter.

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 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Account has been paid off and I have not used nor applied for another card. The account has an open credit limit of XXXX from XX/XX/2011. Please remove from my credit report. I have not and will not use this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: TX

Complaint narrative:
Equifax keep reporting me late on Child Support. I disputed it because that is an error. I am not late it comes out of my check automatically. I had it set up that way so I won't be late, and I take care of my child. I send extra and have receipts. Yet I thought for sure with all of that Equifax would remove the error. Instead they reported me late again and dropped my score. they never responded to my dispute on this. It's been 90 days since I disputed it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Compliance Services, LLC
State: CO

Complaint narrative:
I called the debt collector asking for their mailing address to send payment. They not only refused, but insulted the way I was talking to them ( accused me of talking in a monotone voice ). The debt collector, XXXX XXXX, said " I sound like a serial XXXX  '', which I am not. I owe them the money, but this debt collector can not disrespect me on the phone. Their phone number is XXXX. This is not acceptable, to me.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-12 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: TX

Complaint narrative:
XXXX keep reporting me late on Child Support. I disputed it because that is an error. I am not late it comes out of my check automatically. I had it set up that way so I won't be late, and I take care of my child. I send extra and have receipts. Yet I thought for sure with all of that XXXX  would remove the error. Instead they reported me late again and dropped my score. they never responded to my dispute on this. It's been 90 days since I disputed it

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 2018-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Withdrew money in checking account down to {$100.00} and saving account down to XXXX dollar. I had deposited this money to pay my mortgage. Now I cant pay my mortgage. From my understanding since it is credit card debt Wells Fargo has violated The Federal Reserve Boards Regulation Z, Section 226.12 ( d ).

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 2018-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
I have reached out to PennyMac on several occasions concerning their misapplication of my mortgage payments. Each time I speak with a representative, I am given the run around, given a different answer or I have been spoken to flat out rudely and unprofessional ( most recently by XXXX, XXXX and XXXX ). I asked to speak to a manager and I was transferred to XXXX who I later found out is not a manager. When I asked her to let me speak to a salaried official, she did not know what that was. I advised her I would be filing a complaint with the Consumer Finance Protection Bureau and she said she did not care. 

I need some assistance in getting these payments applied correctly. I am the customer and I do not deserve to be disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: United Compliance Services, LLC
State: CO

Complaint narrative:
I called the debt collector asking for their mailing address to send payment. They not only refused, but insulted the way I was talking to them ( accused me of talking in a monotone voice ). The debt collector, XXXX XXXX, said " I sound like a serial killer '', which I am not. I owe them the money, but this debt collector can not disrespect me on the phone. Their phone number is XXXX. This is not acceptable, to me.

Company response to consumer: Untimely response
Consumer complaint received 2018-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
XXXX was transferred into a SunTrust Account in XXXX XXXX, XXXX. on XX/XX/XXXX. When we realized this wire transfer had been fraudulant we immediately contacted the Sun Trust Fraud Department. They in turn put a fraud alert on the account. A recall was put in for the transfer and at XXXX on the XXXX XXXX XXXX the assistant mamager at that branch assured us all the money was still in account XXXX and a freeze had been put on the account. Someone later that morning allowed someone to walk in and withdraw {$4.00}, XXXX. SunTrust is refusing to refund this amount to us and will not turn over subpoenaed security tapes of the withdrawal to the XXXX XXXX police department citing client privacy rights. After meeting with XXXX XXXX, branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX she confirmed proper protocol was not followed in checking ID and confirming business of XXXX XXXX XXXX with XXXX. She agreed they owed us this money. When we were contacted by XXXX XXXX from the Sun Trust Fraud Department. He said we should be happy to get anything back and to get a lawyer. We feel due diligence was not done when an account was opened a wire money of XXXX, XXXX was put in a withdrawal made and in less than 24 hours the account was closed. Something was not right here at Sun Trust and we are out the money.

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