vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
We have sold our primary residence moved across the country, and are now in the process of trying to buy another home, but we have an incorrect reporting of 90 days in default on a mortgage made by Citi Mortgage. Citi Mortgage is reporting we were 90 days in default on a mortgage we had already paid in its entirety. We were paying off a mortgage a few months early on our second home, a property we now own out right. 

We mailed a check for {$16000.00} on XX/XX/2017 to pay off the mortgage. We received a letter from them on XX/XX/2017 saying we were paid in full as long as the funds weren't returned. In XX/XX/XXXX the said they the check was returned, we contacted Citibank N.A., whom assured us Citi Mortgage has the funds and on XX/XX/2017 sent us a copy of the cleared check. We sent this Citibank N.A. cleared check copy to Citi Mortgage, followed up with a call and they said they had our funds and they were being used to close the account. 

On XX/XX/2017 Citi Mortgage sent us a letter stating our account was in default. I called and got no where, they only wanted me to make loan payments. Fortunately they also sent a letter saying if we were a service member we could get some assistance, so we called and the service member assistance person got on the phone call with us, and that made all the difference in the world. Citi Mortgage said that they had our funds, and have had received them XX/XX/XXXX. 

Also after that XX/XX/XXXX letter we started receiving daily phone calls threatening us with ruining our credit if we didn't pay on that loan. They would transfer our phone call, Someone from Mortgage would say they knew the loan was paid off and they would correct it. In the end they apologized, stopped the threatening phone calls and assured us there would be no reporting of late payments or loan defaults because they had our payoff funds the whole time. 

On XX/XX/2017 almost a year after they first acknowledged they had received a loan payoff, they sent us a check refunding late fees they had assessed for late payments, with an apology for their error.

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 2018-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I mailed a certified letter to XXXX XXXX XXXX. XXXX asking them to validate an item they have listed on my credit report. It was received and signed for by XXXX XXXX on XX/XX/XXXX at XXXX XXXX. After waiting 30 days for a response, I received none. On XX/XX/XXXX I contacted the company to inquire about my request. The person who answered the phone was very rude and refused to work with me. I then filed a complaint with the Better Business Bureau ( Complaint ID XXXX ). In response to my complaint, on XX/XX/XXXX the company wrote : " The itemized statement was mailed to you today. Thank you, XXXX XXXX. '' This company has been reporting invalidated information to the credit bureau, and may also be in violation of HIPAA, and their nonchalant attitude about it is rather disturbing.

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 2018-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander USA is the worst company in the world. I have been forced to pay a car I never drove. I went to a XXXX dealer to finance a car and asked them for a black. After signed papers work they delivered a red car. I called santander and they told me they couldn't do anything to return the car to the dealer but they could take the car and sell it for me and pay it off. We agreed that it was not gon na affect my credit. After they picked up the car they started reporting charge off on my credit. And when they picked up the car they asked me to not make any payment before they sell it. 3 month later I received a letter stating they sold the car for less than the value and I had to pay the difference that was {$10000.00}. We agreed i had to pay {$5000.00} and they was gon na keep my {$3500.00} down payment, my wareanty refund and my gap insurance refund. Everything together was more than {$10000.00}. 1st they broke our agrement, 2nd they messed up my credit and now they're reporting the account is paid for less than the amount own. 
I'm looking for to bring santander in court but don't know how. To everyone, if a dealer try to give you a car loan through santander be careful because you will be disappointed at the end. The worst bank ever

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I signed up for a promotion with American Express to add additional authorized users to my account in XX/XX/XXXX. The promotion was to award XXXX Starwood points after meeting an additional spending requirement within three months. I added four additional authorized users and each met the minimum spending requirements. American Express only awarded the points for one of the authorized users. I contacted American Express around XX/XX/XXXX and they confirmed that I had met with requirements and would post the points within two weeks. After more than two weeks the points were still not posted. I contacted American Express again but was given the same story and that the customer service rep would not resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Sequoia Financial Services
State: CO

Complaint narrative:
This man called me over 50 a day from Sequoia Financial Services claiming to be a XXXX XXXX lawyer, reversed phone look up reported that the company is tagged as a telemarketer company ( not even a collection agency ). 
Before I know it, this telemarketer emailed me, which I know that is completely illegal I informed him he didn't have my promission to use my email to contact me for I didn't give it to him or the company he works for ; make matters worst he threatened me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P.
State: FL

Complaint narrative:
I called Credit Protection Association on XX/XX/2017 in an attempt to pay off this account. We have been working diligently to repair our credit in order to be able to purchase a home. When we paid the debt, we were led to believe that the account would be deleted upon payment, but that was not the case. On XX/XX/17, the account was marked paid, but it was not removed. This payment did not improve my score, and we are now, a full year later, working to remove it because of the lack of improvement due to this account.

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 2018-02-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: STEWARD FINANCIAL SERVICES LLC
State: FL

Complaint narrative:
Steward financial loan terms are keeping me underwarter on my car loan, despite attempting to refinance directly thru them, and all attempts to make the issue better and financially feasible for both parties. 

the representatives are rude, do not listen to customers, have horrible attitudes with the power to make ones credit report horrendous. 

i have walked into 4 separate car agencies attempting to get out of the sub prime loan with each unable to assist due to the XXXX negative equity,. 

i have made two years of on time payments, per experian credit report. I was late 1 business day and they were not graceful in helping me keep that from being reported. 

the orginal loan was for roughly 20K with monthly payments of XXXX after two years the principal of the loan has only went down XXXX dollars.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN

Complaint narrative:
My mortgage was transferred to Rushmore Loan Management Service LLC on XX/XX/XXXX from XXXX XXXX XXXX. I was at the end of Modification with them when it was sold. I received letter from Rushmore saying they are going to honor the modification XXXX XXXX XXXX had agreed on. My Payment 's was sent to BA of {$1100.00} So I started sending Rushmore payments on XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I paid XXXX. In XX/XX/XXXX I called to make a partial payment I was told No by XXXX he couldn't take a partial payment. I received a call voice message on XX/XX/XXXX saying they were done with my modification. Most Modification after you do three payment 's your starts that next month. I never received my Modification paper 's from them until XX/XX/XXXX. Signed them and had them Notarized on XX/XX/XXXX. They sent me XXXX to me on XX/XX/XXXX. On XX/XX/XXXX they sent me copies of the paper 's I had notarized for my records. The letter was dated XX/XX/XXXX but envelope was dated XX/XX/XXXX. On XX/XX/XXXX a certified letter came with the date on top of letter XX/XX/XXXX. And the notice of intent to foreclose. On modification it states that payment begins on XX/XX/XXXX but I just signed them on the XX/XX/XXXX. I called Rushmore XX/XX/XXXX and spoke with customer service XXXX ID # XXXX he ask was I going to try and save the house I said yes. XXXX was shock and didn't understand why I just signed my paper 's. My loan was transferred on XX/XX/XXXX. Plus my payment went up to {$1200.00}. My question is if I'm just signing my modification paper 's how are they foreclosing on the property? I will be sending over documents. I just didn't here anything until XX/XX/XXXX on the modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: NH

Complaint narrative:
I have tried to dispute an item with Equifax and could not ever reach anyone.. My report with Equifax was fine originally, but for whatever reason Equifax decided on their own merits to show it now late. XXXX   has updated their records regarding the student loan account.. If Equifax doesnt comply and soon, then I feel the only option left for me is to pursue a remedy in either small claims court or through the federal court system. The item in dispute is an account from from XXXX ( a private student loan service company ). 

The student loan was in constant deference until it was transferred to another agency where the loans were entirely discharged due to my XXXX  XXXX. XXXX continuously reported the loans late on my credit even though they never were. I have proof from them that now that erroneous information has been corrected. That the credit bureaus are lacking in correcting my data in a reckless and dangerous not to mention callous manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one auto finance continues to report inaccurate information on my credit report. The date of last payment is listed as XX/XX/XXXX on both XXXX and XXXX  reports on my XXXX  report it reflects the correct date of XX/XX/XXXX. I believe this was done to re-age my account! I have disputed this through the CB several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
XX/XX/2013 my husband XXXX. A few months after his XXXX, I had an issue with my mortgage company because they started returning my checks to me that I sent in to make my mortgage payments. When I tried contacting the bank to find out what was wrong, they refused to speak to me because they said the mortgage was only in my husbands name. This was incorrect. When we refinanced, both myself and my husband were on the Deed and Mortgage, however, my husband was the only one on the Note. I had to go to surrogate court to get paperwork showing I was the testator of his estate and sent this along with his XXXX  certificate and a letter to Nationstar Mortgage ( n/k/a Mr. Cooper ). I had to resubmit this paperwork several times before someone at Nationstar finally spoke to me and let me know the problem was that my escrow account was short because the Town of XXXX had taken us off the star tax savings. I went to the Town and straightened out that problem, caught up with my payments and thought everything was okay. A few months later, Nationstar started returning my payments again and not speaking to me and forced me into foreclosure. I went to an attorney who tried to fix this problem. We went to court several times. I signed three different sets of modification loan closing settlement papers. During this process I was offered a loan modification which I agreed to ( even though they stated I owed about 20,000.00 MORE than what I actually owed at the time this all started ). I followed through with my obligations and made the payments on time. They would not accept the first closing package I signed because I crossed MY XXXX  HUSBAND 'S NAME OFF. How can a XXXX man sign? Then they started the same process over sending my payments back and forcing me in foreclosure. This is the situation I am in now FOR THE THIRD TIME! My attorney has given up and suggested I contact you. He can not get anywhere with this bank or their attorney. I NEED HELP AS SOON AS POSSIBLE! I have XXXX children and I am afraid of becoming homeless. I do not work because I am XXXX and we live on the XXXX benefits we receive from social security which barely covers the mortgage payment. I am desperate and need someone who can get this bank to do the right thing!!! I tried speaking with a mortgage counselor at XXXX here in XXXX and the same process as with my attorney happened there and they also gave up. Everyone just gives up. I don't know what to do!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Got again my credit score today and see that Capital One is still in with a hard inquiry. I never request a credit card from XXXX XXXX and it is still on my credit report. Already contact the company by letter never got an answer. Somebody used my identification and email. Was part of the abuse of identification by XXXX.

I would like that Capital One correct the mistake immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In XX/XX/XXXX I spoke to someone with Toyota Finance about the end of the lease payment in XX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX. 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: TX

Complaint narrative:
Equifax is reporting one account twice and not paid this just happen XX/XX/XXXX after disputing the account. I called Equifax to discuss this matter but no one could help me. XXXX XXXX XXXX XXXX is being reported 2 times and the account is paid with only one account. I did not have two accounts with XXXX XXXX XXXX XXXX under that account number. 

XXXX XXXX XXXX XXXX ( both accounts ) Account number XXXX ( both account ) Amount :  XXXX ( both accounts ) but now 2 different opening dates with is not true. 
XX/XX/XXXX date open is correct for this account XXXX XX/XX/XXXX is wrong I opened account XXXX because I moved on this date This information is incorrect and the duplicate accounts is just wrong and this was done to hurt my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-06 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:
I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized

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 2018-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: KEYCORP
State: PA

Complaint narrative:
I checked my account on XX/XX/XXXX to check if bills paid went out. No fees. Incurred a overdraft fee on XX/XX/XXXX, identified on XX/XX/XXXX. Deposited funds to cover the overdraft on XX/XX/XXXX plus additional funds to cover another automatic payment. Per the Deposit Agreement with KeyBank they change the posting order of automatic payments and created an additional overdraft charge even though I went to bank and deposited cash. How is that fair, to charge two overdraft fees when there should only be one? I never picked KeyBank to be my bank I am just the unlucky person who started with a bank that was sold twice but this is completely unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
XXXX  XXXX XXXX XXXX card I had was discontinued and transferred to American Express whom I do not wish to do business with. I am told I need to cancel an American Express card account which was opened in my name but I do not believe I should have to cancel an account I never requested. 

I asked XXXX for a copy of my cardholder agreement which gives them the right to transfer my XXXX credit card to American Express without my consent and they would not supply it. 

I believe this is a violation of Fair Credit laws and is no different than XXXX XXXX opening accounts which consumers did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I should only have 3 credit inquiries and 2 of the credit scores shows more. Which i didnt not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
InXX/XX/XXXX I spoke to someone with XXXX XXXX  about the end of the lease payment inXX/XX/XXXX and XX/XX/XXXX that the total should not be XXXX 
It should've been the total XXXX I was told they would check into it and get back to me but they did not do 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 2018-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I signed up for a credit card with XXXX XXXX XXXX XXXX XXXX. I never received the card, so it was never activated and never used. After a couple of months, they sent me a bill for the credit card fee. I called and let them know that I never received the card, and at that point, I no longer wanted to the card, and that I had not activated it since I never received it. They are still trying to charge me the fee for the card, and now they have sent it to collections with XXXX XXXX XXXX XXXX with additional fees. I do not feel that I should have to pay for a credit card that I never received.

The Convergent account # is XXXX, and the client account number ( I guess XXXX XXXX account number ) is XXXX. The phone number for Convegent on the bill is XXXX.

I appreciate any assistance you can provide. Thanks.

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