vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Due to identity theft I had to lock my credit at all three major credit reporting companies. Equifax charges {$5.00} to lock your account and an additional {$5.00} to unlock it every time you want to allow someone accesses to your credit.     Their poorly designed web page charged me 4 times. It is nearly impossible to get a phone number with a human but when I did they had me follow a cumbersome refund process designed to frustrate consumers and give up. They admitted they had a record of the charges but still refused to issue the refund unless I went through the process.     This could have been avoided if there are no fees. There should not be a fee to unlock your credit. Locking your credit is a good way to protect against fraud. Different states have different rules regarding these fees and the federal government should step in to have a uniform no fee system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09 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: NY

Complaint narrative:
I have been disputing an account that is reporting on my credit report with  XXXX . The account is   XXXX   XXXX   I have paid this account in full over 4 years ago. The company has since went out of business so I do not know how   XXXX   is verifing this information that is reporting is correct. I feel   XXXX   is not doing a proper investigation as I have disputed this numerous times.   XXXX   has finally deleted it off my report but   XXXX   is still verifiying that this is reporting correctly. This item should be deleted off my report like it was with experian credit reporting agency. I paid this bill in FULL. Having this incorrect information reporting is affecting me in obtaining substantial credit as it is affecting my score in a negative way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
When I obtained my mortg age with Charter t hey ( without my express approval ) opened a " free '' checking account in my name. They later unilaterally transferred my mortgage and checking account to their affilia te Citizens B ank and started charging undisclosed monthly fees since the date of the transfer. They never informed me of any new fees associated with their decision, sent me notices of their debits from my account, or offered my the opportunity to close the account. I received a notice on   XXXX   XXXX   XXXX    , notifying me that they had withdrawn all funds in the account and that I now had a negative balance and needed to transfer funds to  Citizens Bank.   <P/> To be clear, I never wante d an account with Citizens Bank, I did not want an account with Charter Bank, and never consented to me being  charged fees.  <P/> Per  Citizens, while they agree that they did waive all " monthly maintenance fees '' the fees charged to my account were a separ ate category of charges called a " dormant account fee. '' Citizens was unable to provide the total amount withdrawn from my account without my consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I called XXXX XXXX XXXX XXXX to ask how I go about going for a XXXX mortgage, I was then transfer to a XXXX XXXX I told him what I was looking to do and he asked me to send him my last mortgage statement a drivers licence and SS card which I did. I never heard from XXXX XXXX again. I was being sent emails from a XXXX who would send me documents and I first saw that my new mortgage was about XXXX XXXX which was about 6,000.00 higher then my existing mortgage the monthly payments would decrease about 100.00 dollars. I told her that was not acceptable I read that on a XXXX there would be not costs. She said she would check on that and get back to me, I agree and wait. Her next email was the new mortgage would be approximately XXXX and my monthly payment decreased almost two hundred dollars. I asked about my escrow and she told me XXXX XXXX XXXX XXXX would issue a check to me, and I did not a payment foe XXXX. The next email was they would send a notary to my home on XXXX XXXX XXXX. This was the first time I realized XXXX XXXX XXXX was not the Mortgage company. When the Notary who came to my home was explaining all the doc 's to me I asked her about my escrow account she went over the seller and buyer doc and explained the escrow was removed from one column and added in the other the old escrow would be sent to me directly. On XXXX XXXX XXXX a check came from XXXX XXXX XXXX XXXX for XXXX. there was XXXX  in my escrow account. When I called XXXX XXXX XXXX the told me that Loan Care shorted them their mortgage payment that was due and the took what was needed from the escrow. I ca n't imagine why a XXXX mortgage wold cost me XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Suntrust mortgage  went thru the steps but never received papers and always asked for more.   also, I just learned that suntrust should have had to notify me when the ownership of my loan changed hands within 30 days. i was never notified when, meers transfered ownership back to  Suntrust an d   XXXX   XXXX   made  Suntrust take  the loan back.So twice my loan changed hands, and both times I was never notified. to this day. I have never been given notice.   I was never notified this in writing. they even got in trouble earlier when i applied for my loan. I was in  XXXX  and was living in both   XXXX   and  XXXX  for work.  Suntrust tried  to claim on my mortgage insurance and the insurance denied the claim becaus e Suntrust wrote a lo an that I was suppose to be living in the home full time and they new I was both in  XXXX  and  XXXX . My tax returns even had a  XXXX  address. They should have qualified me for a loan that I was living in both states off and on. S o Suntrust qualified m e for the wrong type of loan to start.Please investigate this. thank you.  <P/><P/> thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Hello, I would like to dispute th e Hard Inquiry from Quicken Loan s. I want this stopped, how can we make this happen, how can I get this removed?   I understand it hurts your  credit score whe  n Companies like Quicken Loans  are inquiring about my credit history. Please help. I appreciate it your help on this matter.   Thank you  XXXX   XXXX   XXXX  Take care

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a pending complaint to Equifax filed thru CFPB   XXXX  . Their response was addressed to a certain   XXXX   XXXX  , not for me :   XXXX   XXXX  . Are they really working on my c/o. Or did they send their response for me to   XXXX   XXXX   and vice versa. Please see following " copy and paste '' " STATUS '' Company responded o n  XX/XX/XXXX  R ESPONSE TYPE Closed with explanation Company 's Response " Dear   XXXX   XXXX  , we received the complaint you submitted through the Consumer Financial Protection Bureau Portal. Equifax has reviewed the complaint and its records. MO FED BK   XXXX   XXXX   account   XXXX   was verified by the data furnisher with your name, current address and social security number. Written confirmation has been sent to you. Please allow 7-10 business days for delivery. If you have documents that release you from these obligations, please forward them to Equifax Disputes,   XXXX   XXXX   XXXX    XXXX , GA  XXXX  or you may visit us at www.equifax.com ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have already submitted multiple complaints that have been closed but not satisfied satisfactory. Please dig deeper and more seriously into this to satisfactory resolve my issue. My issue is again ; MY COMPLAINT XXXX XXXX XXXX OpenedXX/XX/XXXX {$170.00} Original creditor : XXXX XXXX XXXX I have legal documentation that this account was stated as CLOSED and that their would be no further financial obligations as of XX/XX/XXXX <P/>Please reference attached documents again. Case # XXXX CLOSED, BUT NOT SATISFIED Case # XXXX CLOSED, BUT NOT SATISFIED Confirmation # XXXX This matter has been cleared and satisfied with my XXXX  Credit Report but not on my EQUIFAX Credit Report. Please assist, or force assistance in cleaning up my Equifax Credit Report regarding this FALSE information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The original creditor is  XXXX  XXXX . They charged off a charge account i had with them and sold the debt to  Midland Credit Management (   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX . I received a letter from  Midland in  XX/XX/XXXX . The y sent me a settlement offer. I settled with them on   XX/XX/XXXX  for {$200.00}. ( Ac ct #  XXXX   ). I spoke wit h  XXXX   XXXX  ext.  XXXX .  XXXX  would not even report that the debt was paid after the chargeoff to either of the credit bureaus. They also are reporting inconsistent information. They have on my credit report for  XXXX  that the account was charged off  in XX/XX/XXXX , but o n my   XXXX   report it shows payments being made after that date. I deny this activity and request that this debt be removed from all   XXXX   credit bureaus. It does n't even have my full account number on the credit report. I need them to give me validation and i need this debt removed due to inconsistent data and incorrect reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a promotion in the mail fr om Santander Ban k to open a ne w Business Account  with them in exchange for a {$500.00} bonus. The requirements for the bonus were to maintain an average daily value of more than {$1000.00} for more than 3 months.  <P/> I opened the account with a banker and a {$100.00} deposit. The banker said I could deposit the rest of the money when I got my debit card, which did n't arrive  for 2 weeks. A s soon as I got the debit card I deposited {$1000.00}. I then kept the balance of my new account above {$1000.00} for the proceeding 4 months.  <P/> I saw no bonus deposited, so followed up  with Santander who r eviewed and denied the bonus twice, citing that I had not maintained an average daily value of over {$1000.00} for 3 months.  <P/> It is misleading that the promotion was advertised in such terms, I deposited the funds as soon as I was able ( once I had received my banking card ). If the requirements were to have {$1000.00} in the account from the day the account was opened, they should ha ve A ) explicitly said so in the promotion they sent me, and B ) the banker should have indicated this. I made t he banker aware of the promotion, and she manually reviewed it and entered the promo code into her system when opening my account. She told me that waiting until my debit card arrived would be fine to deposit the full {$1000.00}. Had she told me that I needed to deposit the full {$1000.00} that very day, I would have certainly done so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: VW Credit
State: AZ

Complaint narrative:
XX/XX/XXXX .16 - VW reported me being late 30 days for a payment that they had extended to the end of my loan due to the settlement I was going through with VW Group of America.
<P/>
 XX/XX/XXXX .16   XXXX    reports FICO score dropped  XXXX  points same day as VW 30 day late report hit the bureau.
<P/>
 XX/XX/XXXX .16  XXXX  Credit Limit decrease ( never been late or slow on any payments and paid more than minimum amount )  XX/XX/XXXX .16   XXXX   XXXX   XXXX   XXXX   Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount )  XX/XX/XXXX 16  XXXX  Credit Limit Decrease ( never been late or slow on any payments and paid more than minimum amount ) You see the affects of have a company 's false report affect someones accounts. I have never had any kind of late payment, slow payment, or missed payment on any account I have.
<P/>
Why are companies not being held accountable. They should be fined if they falsely report information and damage consumers credit. I now can not get my credit lines put back to where they are so it puts my utilization through the roof.
<P/>
Please help me. I do n't have money to go and hire a credit lawyer or anything like that.
<P/>
I have statements from VW showing that my account is in good standing and that it is paid off but they will not update my report.
<P/>
How can the damage that was done be fixed. All I get from the bureaus is that I need to rebuild my credit and let it take time, but i did n't do anything wrong. What is the remedy for this?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I applied for a mortgage modification on  XX/XX/XXXX , and was denied on  XX/XX/XXXX . I was told via phone by   XXXX   XXXX   XXXX  , a home assistance representative from M & T bank,  XXXX , that I was denied because my debt to income ratio was over {$2000.00}. The banks decision was not based on the completed budget sheet that is required in order to have a completed mortgage modification application. Moreover, I was told that even though my budget showed that my income could meet the monthly mortgage payment, the standardized, according to   XXXX   deduction, stated by   XXXX   XXXX   XXXX  , was used to make the denial decision. In addition, I was approved for a loan modification  XX/XX/XXXX , which was based on {$2100.00}, which I was approved for a modification. The modification was based on an income of {$3000.00} which I was not receiving at the time. Currently, I had a decrease in income of {$800.00} dollars. This is why I am asking to M & T to modify my mortgage for a second time.
<P/>
I wrote to the mortgage company to request that my mortgage be subsidized and if the lender could make use of the PMI for the money loss as a result of the missed monthly payments that have not been applied to my account. Additionally, I asked that the mortgage refinance and write down my mortgage so that I can stay in my home.
<P/>
I currently have a foreclosure mediation date scheduled for  XX/XX/XXXX  and hope tht this complaint is resolved before that date. In addition, my source of income is Social Security  XXXX , which is my primary reason for the change I am requesting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
O n XX/XX/XXXX  , I mailed Transunion a verification request to verify inaccurate information on my credit report. The two inaccuracies was  State Tax lie n and Bankruptcy. I asked Transunion to give me the furnisher of information on these  two  derogatory item. I asked specifically to give me the name and phone number of person that they verified with. According to FCRA laws, I am entitled to this information. Transunion completely ignored this request as they have with previous request and sent me a generic letter back stating the item are accurate. They also stated that the furnisher of information is  US Bankruptcy Court Northern   District of  XXXX . This is completely false information from Transunion. The US Bankruptcy c ourt stated that they do not give any information whatever to the Credit Bureaus and that the credit bureaus use 3rd party database  collectors  to get information. I feel that Transunion has violated the FCRA act by giving incorrect information about how they verified my request. They should remove my derogatory information completely because they did not provide accurate data for my legal request and a penalty should be imposed on them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On  XXXX   XXXX   XXXX  I sent a check to my landlord for {$1300.00}  ( #   XXXX   ) and in    XXXX  of  XXXX  the landlord told me they had n't received my  XXXX  rent check. I immediately went to my ba nk (   XXXX   ) to g et a copy of the check and found it had been fraudulently endorsed and cashed on  XXXX   XXXX ,  XXXX  at a Bank of America. I then made out an affidavit to start an investigation. I made many visits to my bank over the next couple months and they informed me they were waiting for Bank of America to respond.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I am attempting to clean up my past due accounts. I have two left! This week I pulled an updated copy of my credit bureau report so that I would be able to see the amount ( s ) owed and the status of each account. I noticed that one of the accounts had been (   XXXX   XXXX   ) sent to a debt buyer, LVNV Funding. On   XXXX   XXXX   XXXX    I cal led LVNV Funding and spoke to a gentlemen who was very unfriendly when I told him I wanted to take care of my account but after looking at the balance it did not seem accurate. He informed me that my account had been placed with the law firm of   XXXX   XXXX   XXXX   and I would have to contact to law firm to work it out. On   XXXX   XXXX   XXXX   I called   XXXX   XXXX   XXXX   and spoke to a gentleman named   XXXX   XXXX  . I informed him that my account was placed with the firm. He said that the account was placed there in   XXXX   XXXX   and asked why I had n't called before. I told him that I was unaware my account was placed at this firm and I have not received any call or mail notification. He told me it was not his fault that probably threw it away without reading it. I can assure you ( as I assured him ) I have not received any formal notification of the debt being placed at a law firm. I advised M  XXXX   XXXX    that I did not believe the balance was accurate and offered to pay {$300.00} ( balance {$720.00} ). He said they do not settle balances that size and said would take me to court instead. He said that they would add additional fees associated with court costs. I ended the call and called LVNV Funding. I offered them the same settlement. They refused and told me to call the law firm. I am getting nowhere and refuse to be treated like less than a human when I an trying to do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: DC

Complaint narrative:
When I moved to  XXXX  ( from  XXXX  ) i n    XXXX   XXXX     , Infiniti Financial Serv ices ( IFS ) began charging me a 10 %   XXXX    sales tax on my monthly bill. A fter researching   XXXX   tax code, I do not see any code that indicates a sales tax is required for vehicles originally registered in another state before establishing residency in   XXXX  . Since XX/XX/XXXX  , I  've made several inquiries to IFS via phone and in writing but they have not provided any details to support this 10 %  XXXX  sales tax. I also contacted the  XXXX  Office of Tax Revenue and was informed that sales of motor vehicles and trailers are not subject to sales and use tax but only to excise tax of 6 % in  XXXX . Even  XXXX  states that the sales and use tax does not apply to the sale of motor vehicles. The 10 % rate in  XXXX  applies to rentals of motor vehicles and utility trailers, except those registered for commercial purposes. Only rental or leasing of rental vehicles and ut  ility trailers is taxable. I did n't purchase/lease this car in   XXXX    nor is my lease classified as a rental vehicle.
<P/>
I believe IFS is erroneously charging me ( along with many other lease customers ) and refuses to correct their mistake. Please help!

Company response to consumer: Closed with explanation