vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
Issues : 1. I would like to point out that I did not state that there are funds missing on the XX/XX/2018 CFPB complaint No XXXX. I would like to know why they are claiming that I stated that there are funds missing. 
2. Why did the manager gave me 2 small pieces of paper when I opened the accounts?

3. Banks should provide transaction receipts even though they issue bank statements. Customers are entitled to transaction receipts.

4. Union Bank should not request customers to swipe their drivers license. I have heard that drivers license could be easily duplicated. Union Bank exposed their customers to these threats.

5. Union Bank should not have issued me an ATM card with pin purchase privilege when I told them that I only want a card for deposit and withdrawal. I could have made other arrangements.

5. Union Bank responded to my previous complaints but their responses are not satisfactory.

I would like Union Bank to respond and CFPB and other government agencies like Department of Motor Vehicle and Federal Trade Commission and other agencies.

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 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account for XXXX was paid in full on XX/XX/2018 and disputed with XXXX. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..

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 2018-05-21 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: FL

Complaint narrative:
The account for XXXX was paid in full on XX/XX/2018 and disputed with XXXX. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: I.Q. DATA INTERNATIONAL, INC.
State: ID

Complaint narrative:
IQ Data International, XXXX WA, contacted me on XX/XX/XXXX claiming to be an employer trying to follow up on a job application. 

On XX/XX/XXXX they contacted my mother, XXXX, claiming to be a lawyer trying to resolve related to a criminal complaint filed against me. 

on XX/XX/XXXX, IQ data contacted a friend of mine named XXXX, claiming to be an employer attempting to follow up on a position that I have allegedly applied for. 

on XX/XX/XXXX I made contact with this agency, speaking with XXXX XXXX, who processed a payment for {$500.00}. After this payment was made, my credit card information was unlawfully stored and used again to process another payment in the amount of {$1200.00} dated on XX/XX/XXXX that was not authorized. I received a letter on XX/XX/XXXX stating that per a discussion on XX/XX/XXXX ( that never took place ) a post-dated payment was made. This agreement was not discussed nor approved. 

This amount was disputed with my bank on XX/XX/XXXX, a police report was filed on XX/XX/XXXX to report fraud, and a formal complaint has been filed with Washington AGO. 

No written correspondence of debt prior to harassing phone calls. 

Use of automatic phone dialing systems. multiple calls per day, will call from multiple different numbers per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Greetings. I opened up an account with Santander Consumer USA in early 2013. I purchased a vehicle and was making monthly payments. The vehicle was repossessed. After speaking with the bank while the car was being towed, they told me that paying the balance would allow the repo men to leave the vehicle. I paid the balance right then and there, and the representative then informed me she could not legally make them put the vehicle down AFTER charging my bank card. The vehicle was then repossessed and hit my credit. After talking to three different agents, I went a week without a vehicle as I was playing phone rage with Santander and towing company who says I was never paid. After receiving the vehicle, the vehicle was totaled. I had gap insurance on the vehicle which was supposed to cover the depreciation value. ( XXXX ) now Santander is saying that I still owe them {$3600.00} dollars on a vehicle that was paid for! This issue is now stopping me from purchasing a home and vehicle for my growing family. I have reached it numberous times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc.
State: NY

Complaint narrative:
Besides all the other complaints about their bullying tactics, this time they changed the amount they say I owe.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: MD

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the CFPB about Equifax, complaint number XXXX. Equifax finally sent a free copy of my credit report, which I originally requested on XX/XX/XXXX. Then the CFPB just closed the case, without any input from me whatsoever about its resolution. 

I have asked Equifax multiple times not to print my social security number in full on my credit report, but they did it again anyway. In a letter dated XX/XX/XXXX, Equifax said they would mask the first 5 digits of my social security number. Then they unmasked it, and I had to ask them again in a letter dated XX/XX/XXXX. But, once again, Equifax insists on showing my full social security number in full, and I do not want them to do this. It is totally unnecessary! 

Also, I would like to know why the CFPB closed my case when I had not even had a chance to view the results. I tried to hit the feedback button, but it didn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have contacted XXXX  in regards to an account that was removed from my account that is not associated with me, and then as of XX/XX/XXXX18 i checked my report and it was placed on my credit file, so I don't know if it was a mistake or what but the XXXX XXXX account in the amount of XXXX is not mines, I have already dealt with this for years.

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 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you instead of your attorney
Company: Medical Business Bureau
State: IL

Complaint narrative:
This debt is from a auto accident on XX/XX/XXXX. The other parties insurance company will be paying from a lawsuit that was filed. The original creditor never sent a bill to me or my lawyer. Then they placed the account on my credit back in XX/XX/XXXX '. Also they never sent a Medical Lien which all others company 's did. Now I've been fighting with the collection company and XXXX .Back in XX/XX/XXXX ' the collection company sent notification to all 3 credit reporting agencies to delete the account from my report, Which 2 of them did delete it. XXXX refuses to delete it. The collection company has sent me a draft that they sent to XXXX to delete and it's still there. I have also disputed the account with them 7 different times and it has not been removed. Now in XX/XX/XXXX ' I get a letter from the collection company saying the have entered a medical lien over a year later. With that being sent they are guaranteed to be paid once the law suit is settled. So for over a year i have had this account damaging my credit when this all should have been done first once treatment was given. They also had my heath insurance on file but never submitted for payment. I have attached Proof of the draft and the medical lien dated XX/XX/XXXX more then a year later

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: CREDIT ACCEPTANCE CORPORATION
State: CO

Complaint narrative:
I had purchased a car from XXXX XXXX in XXXX XXXXXXXX in XX/XX/XXXX. While purchasing the car I had given them a checking account number from XXXXXXXX XXXX that I no longer use by mistake and they proceeded to process the loan. 

The loan holder was Credit Acceptance Co ( Account number XXXX ) In XX/XX/XXXX the car was repossessed without my knowledge that I had missed any payments. I was not informed payments were being missed. The first notice I had received was dated XX/XX/XXXX, showing a late payment {$490.00} ( attached ) then another late notice sated XX/XX/XXXX, that showed that I owed {$12000.00} in late payments and fees ( see attached ) On XX/XX/XXXX, I recovered the car through Credit Acceptance Co by paying the past due amount {$750.00} ( one payment past due plus repo fee, see attached ) and am now in possession of the car, with renegotiated loan terms, rolling the additional late payments back into the loan.

Now that the car is no longer a repossession, I have reached out toe Credit Acceptance on numerous occasions to see if they could remove the repossession from my credit report. They have refused to do so. 

I was in the process of buying a home and with the repo on my credit report, I am no longer able to obtain financing because of the repo being on my report. I assumed by paying what I owed and retaining ownership of the car the repo could and would be removed from my report.

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 2018-05-21 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX or XXXX, my mother added me as an authorized signer to her XXXX/XXXX   card in order to help my credit. I have never made a purchase on the account, it was solely to help build my credit. It is being reported with me as a joint account holder rather than an authorized signer and is reporting to all 3 credit bureaus ruining my credit. I have disputed this information with XXXX and the collection department. They are unable to provide me with my signature on the terms/conditions, any signatures of purchases Ive made, or anything linking me to this account as joint. This was an error on XXXX and needs to be removed from my credit. Its unfair that they cant provide anything to show Im joint on this account and its abusive to allow it to affect my credit negatively when its not my debt. Ive asked for documentation with my signature on it and they sent statements. This needs to be resolved immediately.

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 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
I believe I am victim of mortgage servicing fraud. 

On XX/XX/XXXX I requested a copy of the assignment of mortgage from the servicing company On XX/XX/XXXX I requested a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

On XX/XX/XXXX I received a copy of the allege assignment of mortgage but I have received a copy of the mortgage servicing agreement between XXXX and Mr. Cooper. 

I am current on my mortgage. Sixty days has passed since I submitted the RESPA request and Mr. Cooper has failed to reveal it's rightful claim to collect my mortgage payments. 

XXXX was fined for committing mortgage service fraud and I believe that Mr. Cooper is a conspiring party as well. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: WA

Complaint narrative:
Southwest Credit at the direction of XXXX added a negative credit entry to all three of my credit files for a alleged debt without giving legal notification of the debt. Southwest Credit alleged that they sent to me via US Mail, a debt letter concerning the debt back in XX/XX/XXXX. I am DENYING this alleged debt is mine as I have not heard about this debt and was never notified of this alleged debt until XX/XX/XXXX. 

I am a current customer of XXXX, therefore they are fully aware of my current mailing address. Southwest Credit at the direction of XXXX, sent their debt collection letter alleging that I owe a past due balance to a previous address that I have not resided at for over 5-years. I have moved three times since the address Southwest Credit sent their alleged debt letter. XXXX and Southwest Credit seems to be using nefarious debt collection practices to insert negative credit entries onto my credit reports. Again, I have no knowledge of this debt and I contest that it is not mine, nor do I acknowledge that it is my debt. As you can see on the letter Southwest Credit claimed they mailed out to me, the address they sent the letter to is not my current mailing address and has not been my address since late XXXX. I have no idea who that letter went to and I personally never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
i got this divorce- and my name is on the title or deed but not the loan- i was awarded the home- and now all i am trying to do is- utilize the successor in interest due to divorce- however they will not let me do anything- they wont talk to me- the house was going into foreclosure- and i had to file a chapter XXXX to stop the foreclosure- now the borrower who is a veteran who has some serious XXXX XXXX XXXX issues- has purposely tried to foreclose on the property by engaging in a number of distributing tactics- he is obviously under some type of undue influence. he abandoned the property 3 years ago- and i maintained the property- until- he started with the help of bankruptcy and divorce attorneys- placing the housing in an unneeded chapter XXXX 3 years ago- when i was paying he note. all i want is to be able to secure a loan modification through my chapter XXXX and move on- and refinance- giving him any moneys that may be due him- however i dont think he is deserving-but i will let the court decide this.

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 2018-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: MI

Complaint narrative:
On or about XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX   working as an agent for XXXX XXXX XXXX, Offering to settle an account with XXXX XXXX XXXX XXXX, XXXX This account was settled and Dismissed on XX/XX/XXXX thru local court. I received a Notice Of Dismissal from court signed my local judge and attorney for XXXX XXXX XXXX XXXX, XXXX I answered the letter and enclosed a copy of the notice I assumed this would resolve the issue. I heard nothing until today when I received another collection notice even though I had sent them a copy of the Dismissal They stated they were willing to settle for 35 % of original amount. Once again I sent them a copy of the notice. This is not right and I am not happy about what I consider an attempt at fraud

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 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had an account with td bank they are saying I owe them XXXX in fees I had fraud reported it they closed my account and also I paid high fees the last year I had it which is XX/XX/XXXXto XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Convergent Resources, Inc.
State: MD

Complaint narrative:
XXXX XXXX calls from phone # XXXX every day, 4-5x per day at my place of business. I have tried numerous times to answer the call so I could speak to someone, but once I answer, the call hangs up. I have contacted them 4 times now to request them to stop calling. Just today, when I recognized the phone number, I answered it on speaker phone. There was an automated message with a name on it. I then called them back to give them the name. They notified me that they cant stop our calls based on the name. We have to provide the specific telephone #, which is impossible for me since we have a phone system that rolls over if unanswered in another state. we also have individual direct telephone numbers that will also roll over if unanswered. I advised them to have their IT dept figure out how that name provided was entered, so they would be able to trace the phone number. So far, nothing has been done. This has gone on for 2 months now.

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 2018-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM financial has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

They have also violated v eCFR 12 CFR 1022 by refusing to speak to us after receiving our Third-Party Authorization Form

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My house is sold and I'm trying to get a mortgage but because experian is reporting my installment loan as a mortgage, they say it's because of the way it's being reported by XXXX 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 explanation
Consumer complaint received 2018-05-21 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: Allied Collection Services, Inc. (Nevada)
State: SC

Complaint narrative:
I discovered after applying for credit that a company named Allied had put information on my credit of a bad debt. I had not heard of this company and called them to inquire. They stated that I owed money on s student loan that they acquired. I assured them that my student loans had long been paid in full. They then stated that I had co signed a little an. After much discussion I agreed to pay XXXX due to XXXX ncern over my credit while they agreed to send me proof of my signature on the said loan. I never received documents and they took 0ver {$1500.00} put out of my account. I tried multiple times to contact them and they would not return my calls. Finally I had to go to my bank and change account information. This all began in XX/XX/2017 and they have yet to resolve this issue. XXXX thinks that this is a fraud issue and had instructed my to contact Law Enforcement as well as your agency. They have placed an alert on my credit report because there are also a fradulsnt address and name on my report which may be associated with this account and company.

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