vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received a notice from Transworld Systems Inc on XXXX stating that I owed a collection debt from the XXXX XXXX XXXX. I knew nothing about this outstanding violation so I verbally disputed it on XXXXI asked TSI for proof of the debt, I have had an active XXXX XXXX account for many years so I should not have received any toll violations. I did not get a response. As a side bar, I moved on XX/XX/XXXX and all of my mail was not forwarded until XX/XX/XXXX. ( I have proof ... the actual XXXX envelopes with the forwarded date ) In this forwarded mail I received the toll violation notices from the XXXX. I then tried to dispute these fees with the XXXX in XXXX but at this point they were in collection so I was told to contact TSI again. I reached out to TSI on XXXX and spoke to XXXX XXXX. She said that there was no new information regarding my dispute from 4 months ago. This is unacceptable. I paid the actual toll amount to her on the phone of {$8.00}. This collection company can not validate this debt. They are threatening to infere in the renewal of my car 's registration. I asked to speak with her supervisor and was forwarded to a voice mail for XXXX. I should not be required to pay a {$100.00} fee to this collection agency for 3 reasons - I disputed this fee immediately upon receipt of their notice and it's 4 months later and the have not responsed -I had and have an active XXXX XXXX account -I did not receive the XXXX notices in a timely matter due to my move and my mail not being forwarded by the USPS Please assist me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
On XX/XX/XXXX, I attempted to obtain my free annual credit report from Equifax using the XXXX website. There is never a problem receiving my credit report from XXXX or XXXX XXXX but this year, just as last year, Equifax refused to provide the report. After answering a multitude of identifying and security questions, they indicated I must send by mail a number of very personal financial documents, which could be lost in the mail and fall into anyone 's possession. I experienced this same problem with Equifax last year and after filing complaint # XXXX with the CFPB, the matter was quickly resolved and I received my report by mail. When I filed complaint # XXXX this year, after experiencing the same problem as last year, it was dismissed as being a duplicate of a previous complaint filed the preceding year. THIS IS A NEW COMPLAINT. It is a NEW problem for THIS year. Do not dismiss this complaint as a duplicate. I received my Credit Report LAST year but were refused my Credit Report THIS year. Equifax didn't have a problem providing my Credit Report and all of my other personal financial information they possessed a year and a half ago to hackers but refuses to provide it to me. Please provide me my free annual credit report as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
My mortgage was with XXXX from XXXX until the middle of last year ( XXXX ). The loan was in my name and my now ex-wive 's also. While we were settling the divorce, XXXX had sent me paperwork to allow me to have my ex-wive 's taken off the mortgage note, not a refinance. They told me I had to pay a fee and qualify for the mortgage by myself which I was perfectly fine with. One of the conditions, was a completed divorce decree which unfortunately didn't get finalized until XX/XX/XXXX. I have since reached out to the new company that my loan was sold to Select Portfolio Servicing to complete the process I had started with XXXX. They are telling me they have no way to take my ex-wife off the mortgage except for a refinance. The problem with that is I am about {$450000.00} still under water so that is impossible, which they are fully aware of. I was told that when my mortgage was sold, my terms wouldn't change which to me at least means I am not put in a worse situation as I didn't choose them ( SPS ) they bought my loan without my consent so why should this option no longer be available to me? I feel they need to make good on the process I was going through with XXXX since it wasn't my choice to work with them they chose me. Part of my divorce decree, is to get my now ex-wife off the mortgage which is impossible with their rules which contradict XXXX 's. Thank you in advance for your help and please let me know what documentation you would like me to provide. They have been extremely difficult to deal with compared to XXXX. My relationship manager I was assigned to is XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CADENCE BANCORPORATION
State: MD

Complaint narrative:
I authorized State Bank and Trust of Georgia to auto-debit interest payments from my personal bank account with XXXX XXXX XXXX in Maryland. State Bank and Trust has recently been purchased by Cadence Bank , N.A . On XX/XX/19 Cadence Bank , N.A . debited through ACH {$950.00}. On XX/XX/19, State Bank and Trust debited {$950.00} from the same account. This second payment was not authorized. I contacted the bank as soon as I learned of this through a review of my financial records. This second erroneous and unauthorized debit from my account put a significant strain on my finances and required utilization of overdraft coverage with XXXX XXXX XXXX. 

My online account with Cadence Bank , N.A . confirmed a credit for {$95000.00}. There was no record or credit of the second debit of the same amount. I contact a banking representative who stated after XXXX emails that the bank was investigating. I emailed again on XX/XX/19. A response stated that I should be receiving a credit from my account. I have no credit in my account at XXXX XXXX XXXX as of this writing. 

Cadence Bank, NA has violated the terms of my ACH authorization. I have emailed twice regarding my revocation of authorization for auto-debits from my account. They refuse to acknowledge this request. 

I have placed a stop payment with XXXX XXXX XXXX for Cadence Bank and State Bank and Trust for any auto-debits. I have email a copy of a letter to this effect. 

I am requesting help should I not receive a credit, in a timely fashion, for this erroneous second debit which has cause my family significant financial hardship. They refuse to acknowledge this hardship or my desire to be invoiced directly, prior to authorizing payment, for any interest payment due on this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am trying to get Capital One to correct the reporting on my Credit Report. I have attached proof that shows that I was not late on the months that are marked as late on my Credit Report. I am requesting that this Bank Error be corrected. I have sent disputes in to the credit bureaus but they told me to contact the Data Furnisher, Capital One. Please communicate in writing only. No phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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:
On XX/XX/2018 this collection account was paid by XXXX XXXX has still been reporting as an open collection account on my Equifax report. I would like to know why this account is still reporting open when it is closed on my other two reports. Please investigate this matter I have tried several times reaching out to XXXX XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Counsel, Inc.
State: NC

Complaint narrative:
Credit Councel Inc sent letter to collect debt that is not our. Refused to provide invoice. Ref a date we did not own this home. Verbally abusive and threatening to ruin credit if I do not pay. I even called the creditor and they have no record of any debt and also mentioned they dont use such services. They are in XXXX FL XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
This complaint is for Loan depot XX/XX/XXXX I received a call from a XXXX XXXX, a lending XXXX, asking me if I wanted to refinance. I informed XXXX that apparently my dept to income ratio is too high, as I was told by another refinance company, so I cant do it. He told me to send the documents about XXXX different income documents. He said that my debt to income was high, but If I could prove that I wasn't paying the mortgage for over a year he may can do it. Which I don't pay the mortgage my finance does, so I sent all his statements showing he payed it. XXXX was not the problem he was operating in good faith. I spoke with him several times from then to XX/XX/XXXX. 
I then got a call from XXXX XXXX around XX/XX/XXXX, stating he works at Loan Depot, I asked him why he was calling because I had just spoke with XXXX and he said he works with XXXX and was furthering the loan ahead, he made it seem as if he was the next step. He sounded shady and predatory. I questioned him why he couldn't just get the information from XXXX that he was requesting and he said that he would and called me back, stating he would be able to do this at an even better rate and financial option. He stated that he got everything needed to proceed from XXXX. I informed his as well as XXXX, not to order an appraisal unless he knew that I could do this loan, he stated that he would not order it unless everything was okay. I asked him how much the house needed to appraise at in order to be okay, he said around XXXX. He asked for {$18.00} to lock in a rate and to ensure that I would be forwarding the process with him. I got a message from a women named XXXX XXXX, asking for some additional signatures. XXXX proceeded to act like the debt to income and financial documents was enough to secure the loan. He orders an appraisal and then goes silent. I called him to ask about the rates again and he says we are having trouble getting the debt to income approved, and I again stated why you didn't have that approved before you ordered the appraisal. That was the first thing I told you to make sure of. The house appraised at $ XXXX so the amount shouldn't have had anything to do with it, He simply didn't do the math, of how much I make and how much I pay out. There were no new documents submitted to have changed that, he simply did whatever he could to push it through knowing darn well, he didn't do the math first. I don't event think he looked at the documents I previously sent XXXX. He just proceeded in bad faith. I would like my {$500.00} back for this appraisal they ordered for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: C & M Associates Group, Inc.
State: TX

Complaint narrative:
Was contacted about a XXXX XXXX XXXX credit card opened in XXXX they said I owed over 17 thousand dollars or Id be taken to court I was pretty sure I had paid every prior to getting my home loan in XXXX. They kept pushing a settlement and I agreed not to the settlement but to XXXX dollars to not take me to court so I could figure out what they were talking about. I found the letters from the collection agency I paid in XXXX for this credit card. Contacted them and the refused to refund my money then the next day took XXXX dollars and over drafted my account. Called them and they keep hanging up on me this is not my debt its been paid for already. They refuse to hear me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion does not have account by XXXX XXXX XXXX account XXXX showing on my account it was closed. The account was open in 2008 and there was not ever no late payment. I have my other 2 credit reports that show XXXX XXXX. 
I don't no why this was taken off my credit report.TransUnion seems to remove accounts that paid off and in good standing. I'm also filing a complaint with US attorney consumer complaints to TransUnion Practices and other various issues with TransUnion

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 2019-02-26 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: OH

Complaint narrative:
My name XXXX XXXX XXXX, I have several name variations on my credit report that need to be deleted XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX. XXXX. I was going over my credit report and I noticed that there are several errors. My current and only address XXXX XXXX XXXX, XXXX, OH XXXX. I have attached my proof of ID. I do not live at the following addresses : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX SQ XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The following accounts are not mine I have never had an account with these companies : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have violated federal law,

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 2019-02-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: HYUNDAI CAPITAL AMERICA
State: MN

Complaint narrative:
XX/XX/XXXX XXXX XXXX Hyundai XXXX overnighted my last lease payment of {$490.00} to Hyundai XXXX XXXX on my XXXX XXXX. 
XX/XX/XXXX XXXX XXXX has evidence of receipt of the payment by XXXX XX/XX/XXXX Contacted XXXX  to verify they received my lease payment. They said they did not and to contact them back in " 2 weeks ''. 
XX/XX/XXXX Contacted XXXX to, again, try to verify receipt of my lease payment. They said they did not and to call them back in " 2 weeks '' XX/XX/XXXX XXXX XXXX obtained proof that XXXX cashed the check XX/XX/XXXX Contacted XXXX to verify receipt of my lease payment. They said they did not. I asked them to verify to see if it was not applied to my XXXX XXXX. They said it was not. They said to call back in " 2 weeks '' but got the name of the person of whom to send a copy of the canceled check to a contact person and email address. 
XX/XX/XXXX Contacted XXXX XXXX to obtain a copy of the front and back of the canceled check. 
XX/XX/XXXX Forward a copy of the canceled to the address provided to me on the XXXX from XXXX. 
XX/XX/XXXX Contacted XXXX to verify they received my email with a copy of the canceled check. They did but would not do anything without " more research because they did not know where it may have been posted to '' - again, they said to contact them in " 2 weeks ''! 
In the meantime, I am getting text messages and late notices from XXXX that my payment is due and still can not get anyone to post the payment they have acknowledged getting for my specific account. 
XX/XX/XXXX Contacted XXXX - again, my payment is NOT posted and they claim they have no record of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Phoenix Financial Services has repeatedly re-aged a collection amount of {$250.00} on behalf of XXXX XXXX XXXX XXXX. I have brought this to their attention as well as to all three credit bureaus. In XXXX, it was removed and they denied the re-aging. In XXXX, they have re-aged the debt claimed again as if it were new. This has been re-aged multiple times over the last XXXX years even after I have complained and brought it to their attention. I want this debt removed immediately from all three credit bureaus and all collection efforts ceased. If this is found to be a repeated pattern of this collection agency, I believe they should be heavily fined, prosecuted and a potential class action lawsuit evaluated. This has negatively impacted my credit score several times now. If I have to I will request a copy of my consumer file from each agency at my expense to show the history. Or, they could just STOP. 
Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Amount {$250.00}, indicated as new XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
In XXXX of 2018 I opened a checking account with Bank of America. I received a targeted promotion on my online credit card portal, which is what prompted me to sign-up for an account. If you met a minimum deposit amount within 90 days you received {$200.00}. 

I linked my direct deposit to this account, and qualified for the promotion. I knew the deposit of the bonus check would take time, so I waited for the sign-up bonus deposit. In XXXX of 2018 I called the Bank to inquire about my cash bonus. The representative told me that I had qualified and the funds would be deposited in my account within the terms of the agreement. ( which had not passed ) She said the bank still had time to deposit. I think it was 90 days, after you qualified. She was correct, so I said, " ok ''. At the end of XXXX I had not received the {$200.00} deposit into my bank account. I called them again, and the representative now said they could not find the promotion I was referring to. She escalated the issue, and said I would have a response within 30 days. Once the 30 days had passed, and I received no response I called them again. I talked with another representative, she said that the case was concluded, and I should have received a check. I specifically asked her if the case had been resolved, and what the decision was. She said " Yes '', " the conclusion was to issue your {$200.00} bonus ''. She instructed me to call another bank department because the 30 days had passed. This department would send the check. I called this number, this representative told me that I did not click on the proper link and that the bonus will not be paid. When in fact the way I signed up was through my credit card link, that said " sign up for {$200.00} ''. 

They have continually told me I was successful, but refuse to pay the bonus check.

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 2019-02-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had two cards, one with XXXX XXXX, the other with XXXX both owned by Synchrony. 

I would receive late notices with fees added but no original bill. 

I would pay and the same happened again. 

I now paid off both cards with no real intention on using them again I received notice XXXX that one of the cards is being cancelled due to late payments ( kind of convenient now that there is no balance ) and that my credit score was affected. 

Just hope Synchrony is not allowed to go on doing this to people and making millions of dollars doing 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 2019-02-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have attached a copy of a police report for Identity Theft. This account is the result of Identity Theft and is causing me a lot of damage of my Credit Report. Please remove from my Credit Report. Please communicate in writing only and no phone calls please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.

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