vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation
State: AZ

Complaint narrative:
As a past customer and client of Academy Mortgage I trusted them with the loan process to purchase a new home and they completely mislead me causing me to loose my earnest deposit and inspection fees along with payments made to pay down an account with the assurance my loan was going to be approved. This does not include my time spent constantly leaving work to gather every piece of document to take care of every request asked of me in addition to the time spent packing leasing out my property and preparing to move with continued promises that we would be closing on time.

The loan officer that Academy Mortgage has working for them name is XXXX XXXX. This individual should not be allowed to originate loans. 
There were many opportunities that academy mortgage had to be honest and not use such deceptive practices and mis-lead me through the process. Upon loan denial which was over a week after the scheduled close of escrow which I was promised the whole time would be met My loan was denied because I was not married. I went and got a 2nd opinion on the issue, and another lender immediately denied me because my DTI was too high. Now these are both two simple items that Academys employees failed to identify up front. This could have been caught early on by the loan officer, processor and underwriters. Instead they continued to drag me through the process promising they would get the job done. In the end, Academy only refunded me for the cost of the appraisal. Im requesting this be investigated and Academy issue a refund for my money lost on the earnest deposit and money spent on inspections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on the XXXX - partial account number XXXX****. ( Please see the pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. 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 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc.
State: CO

Complaint narrative:
I recently pulled my credit report and I noticed there was an account on there that was not on there in XX/XX/2019 when I pulled it. XXXX XXXX- I gave them a call and its an apartment complex I have never lived in. I been at my current address for the past 3 years. When I called the receptionist she said it could be an error in the name and could be a common name. My SSN & DOB didn't even match what she had on file. They asked me to dispute the account and they would delete it. its still on my CR

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 2019-06-11 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2019. I opened a dispute regarding fraudulent activity on my Equifax Credit Report. The confirmation number for the dispute is XXXX. I received an email stating that the results should take 30 days which is allowed. I've since checked my results and they have did not complete a valid investigation on one account that was disputed specifically XXXX- a collection item. I spoken to several reps to try to resolve this but they can not provide me results and one rep told me that " they entered the wrong code '' So he then advised me to open another dispute since It was still displayed on my credit report. But it has been pass the 30 days and the result for that account was not complete. This is a violation. It is now XX/XX/2019 no results have been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Levy & Associates, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) was the 3rd party that compromised my XXXX XXXX XXXX  Visa credit card account on XX/XX/XXXX and XXXX XXXX XXXX may have initiated that breach. XXXX  XXXX XXXX acted fraudulently when it created a fictitious account on XX/XX/XXXX without a Credit Card Agreement to allow XXXX to recklessly transfer a credit card account originated by XXXX in XX/XX/XXXX. Levy & Associates attorney for XXXX XXXX XXXX filed a false claim in XXXX County Municipal Court on XX/XX/XXXX pursuing {$4800.00} more. XXXX  XXXX XXXX was already unduly enriched by demanding and receiving payments from me from XX/XX/XXXX - XX/XX/XXXX on an account not legitimately owned by them. XXXX   XXXX XXXX XXXX XXXX and attorney XXXX Levy/Levy & Associates are violating the OCC Consent Order # XXXX dated XX/XX/XXXX. XXXX  XXXX XXXX is corrupting the banking system with what appears to be racketeering and Levy & Associates is perverting the justice system by getting a  Judgment for them on a fictitious account with no account agreement. XXXX   XXXX XXXX did not and can not produce the credit card account agreement they referenced in their response to my original complaint # XXXX referred to the CFPB by the OCC via my Case # XXXX on XX/XX/XXXX. The correspondence received on XX/XX/XXXX from XXXX XXXX XXXX in response to my initial complaint is unacceptable and erroneously dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
In XX/XX/XXXX I consolidated my student loans based on Navient 's recommendation in order to take advantage of the Student Loan Forgiveness Program. I have worked for Non-Profit Organizations full-time since XX/XX/XXXX. I was just told recently that I am not in the program. I was under the assumption that I was already 6 years into the 10 year repayment term for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
When I found out about the fruad and problems on my bank statement in XXXX of last year, I called the Bank of America to complain about my cloned credit card. They said that they would investiage it. They then refunded to me only a few of the credit card fraudulent charges and they refused to credit me the XXXX XXXX store charges. They asked me to file a ploice report, which I did late last year after getting the run around by the bank officials. After six months of calling and begging them to refund my money, they told me that it was too late to refund my money. But I feel like I have been victimized twice, first by the XXXX XXXX stores in XXXX, and second by the Bank of America officials. The money was supposed to be used to pay for my daughter 's school fees, but we had to borrow the money for her school fees. I have all the fraudulent charges with my bank credit card but the bank refused to listen to me for twelve months. I feel like my back is against the wall with the Bank of America. XXXX XXXX has given me the invoice for the stolen card charges, but the Bank of America officials would not even listen to me and they want me to just forget about it. But this is my hard earned money like everyone else. Please ask the bank to refund my money. I do not have the money to hire a lawyer, so I need your help to fight the big banks in the recovery of my money. 

Thanks so much, 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 monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On XX/XX/XXXX I received notification from my credit monitoring that a new account was added to my profile from Mitchell D. Bluhm & Associates , LLC ( XXXX ) XXXX for unpaid medical bill for {$61.00}. I contact the number listed above to get clarification which I found out is due an auto accident I had the previous year. I informed the rep, this should have not been reported to the collection agency for two reason 1 ) I never received any documentation from them because they had an incorrect address and 2 ) I have a  personal injury attorney that is handling this matter and has instructed all parties including the hospital and medical providers treating me of the pending case. I provided the rep my attorney information and ask this be removed. He stated it will but a few days later while applying for a mortgage this negative items is still on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: ProCollect, Inc.
State: DE

Complaint narrative:
Been trying to reach company since 2015 to gather information about my account. Was told account is restricted and I couldn't get any information unless I contact supervisor via email. I submitted emails to supervisor and recieved one call when I was in the dr office with my son. Asked if they can return my call in an hour. Never got a response or call back. Sent another email just 4 days ago asking for item to be removed from credit report.still no nee email.

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 2019-06-11 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: CO

Complaint narrative:
Equifax and XXXX  are reporting incorrectly that I am 30 days past due on the XXXX  - partial account number XXXX. ( Please see the pages attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. 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 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital is alleging I owe on a closed fully paid for cell phone account from XXXX. 
It was closed Several years ago due to repeated roaming charges from XXXX on my credit they report an open account 10mos ago owe {$320.00} then will call and send letters for {$160.00} to pay off the phantom bill I have repeatedly told them to not contact me below is a complaint I wrote Consumer complaints about J.C. conduct This company is known for having ethical issues why are they allowed to continue to operate? 

Fwd : XXXX pay XXXX XXXX XXXX Attachments XX/XX/XXXX, XXXX XXXX  to consumercomplaints XXXX can not originate this debt insisting I was under contract here is one of the earliest payments I can find going back to XXXX contracts are only 24 mos. Long. 

-- -- -- -- -- Forwarded message -- -- -- -- --

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I went to TD Bank in XXXX XXXX, CT and opened a TD Growth Money Market account with over {$20000.00} in XX/XX/2019 and was told by the representative when I opened it that after 90 days, I would receive a {$200.00} bonus -- I was given a copy of the new appl with the same information written in it and circled by the representative.After 90 days, I went to the branch and was told I had to wait until 125 days from opening the account for the {$200.00} to be put in my account.I went back in XX/XX/2019 and was told they will check into it-then I was asked if I brought a mailer in when I opened the account-told them I don't remember- it was 6 months ago-they said if I didnt have the mailer, they wouldn't pay the {$200.00}. I told them when I opened the account I was told I would get the {$200.00} by the representative and I had the paperwork showing this also. This bank is hoping clients will not follow up on their bonuses and this is a very fraudulent banking practice -- I am very disgusted with TD Bank and the way they do business -- they try to get out of paying their clients after promising to do so. I have also contacted the Banking Dept/Office of the Comptroller to submit complaints as to their fraudulent business activity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11 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: MI

Complaint narrative:
Im a divorcee, worked 1 and 2 jobs most of my life and raised XXXX sons ( now grown ) on my own and never made excuses. 
Ive always taken personal responsibility for my poor credit, but when I XXXX in 2012, I filed for a Chapter XXXX and yet paid my bills and managed to pay off {$40000.00} in a 6 year period. 
My sons were now grown and my income had improved, so I worked on improving my credit. 
Ive monitored my credit for 6-7 years and its slowly improved. However, the Bankruptcy recently fell off my credit, and now after 6-7 years my credit score dropped 53 points.

In 6-7 years, Ive paid my bills on time and most often paid them early.

Now Im being told that because of algorithm used by Transunion, its impacted my credit score negatively.

There is something very wrong with this. I understand that Transunion and XXXX are separate companies, but with XXXX my score fell for the same reason 8 points. 
Its like Transunion is working against me and others. There is something very wrong with this picture. 
Transunion uses terms like algorithm as an excuse. I am asking that you look at my credit report situation and correct my credit report. I am XXXX years old now..through an emergency situation that recently arose, I was made aware that I need a new roof on part of my house. I was looking forward to getting a positive credit score so that I could arrange for financing at a decent interest rate. Transunion has caused me great harm. I am very upset.please advise.

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 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
Hello I contacted the collections company National Credit systems XX/XX/XXXX about a collections account created in XXXX, I was told they have documents dated XXXX showing a leasing agreement was and broken with XXXX XXXX XXXX previously owned by XXXX XXXX in XXXX of XXXX which caused the account to go into collections for {$2600.00}. 

I explained the lease was not renewed past XXXX of XXXX and the collections company said they need to dispute the account with XXXX XXXX because the file states otherwise. On the same day I contacted XXXX XXXX XXXX XXXX multiple times via phone and email from XX/XX/XXXX up until XX/XX/XXXX and finally got a hold of her and she advised after speaking with the attorney there that they have no documents of a lease being resigned past XXXX to support the claims that where was sent to collections in XXXX. They are using a clause from the XXXX lease that states lease agreement would continue on a month to month basis until cancelled. 

I explained to XXXX the standard procedures for renewing any apartment lease which is within 60 days of a lease expiring both a yearly renewal and a month to month lease would still need to be singed off for by the tenants and documented with the leasing office. 

In conclusion, they still deny and false claims on their end and the lease was on a month to month contract from XX/XX/XXXX - XX/XX/XXXX. 

Furthermore, I requested they provided dated and detailed information and documents for the reason why they are requesting {$2600.00} I'm still waiting on this information On XX/XX/XXXX I spoke with the collections company to share with them the information since they are working on gathering this as well. I was advised they requested the information on XX/XX/XXXX and have not gotten a response from them and need to wait on them to respond to resolve this matter. 

P.S I also would like to point out they allowed someone else to sign as me on this leasing agreement. If you view the signatures they are identical. ( Attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
Dear Sir / Madam : After speaking with a couple of staff members today from your office, l was requested to email the following information to check on a claim that l filed against Hyundai Motor Finance. 
Case Number : XXXX-XXXX My phone number is : XXXX-XXXX-XXXX. 
My email address is : XXXX My address is : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga. XXXX Please notify me immediate of any problems and once my files has been updated as soon as possible. Thank you. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Spoke with my mortgage servicer today, the additional documents and information that was requested XX/XX/2019 was submitted on XX/XX/2019. I was told by XXXX XXXX, Wells Fargo Customer Service Representative stated XXXX XXXX, the Relationship Manager received documents and verbal information by email and the file would be sent to underwriting. Today I was told by Wells Fargo Customer Service XXXX XXXX my file has set on the Relationship Manager desk and was never submitted to underwriting. They have not postponed the property foreclosure sale set for XX/XX/2019. I'm disappointed should I loose my home because Wells Fargo isn't processing my mortgage modification request, is this a practice to make the homeowner loose their homes by not updating the file with requested 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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
An account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and they did not validate the debt. Also the statute of limitation has passed on it from the original creditor. ( XX/XX/2012 ) I also notice that the collection agency " re-aged '' the account by updating the date of last activity my credit report to keep the negative information on my report longer Account - XXXX XXXX {$490.00} I am in the process of buying a home and this is interfering.

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 2019-06-11 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: RSI Enterprises, Inc.
State: GA

Complaint narrative:
Received notification in XXXX 2019 of an outstanding balance from RSI Enterprises and contacted company in order to gather more information. Paid 1/2 of the medical debt ( {$250.00} of the {$490.00} total debt ) owed to XXXX XXXX over the phone on XX/XX/19 and then paid the remainder ( {$240.00} ) on XX/XX/19. On XX/XX/19 the account is still on my report and is also showing as open. This is hurting my credit score and also hindering me from home purchase. I contacted RSI on XX/XX/XXXX and was informed they would remove the account and send record. The document sent is misleading and I can not confirm if the account has been deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I HAVE IDENTIFIED INACCURATE ACCOUNTS ON MY CREDIT. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT. PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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