vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm also doing this on my own. XXXX XXXX XXXX XXXX, XXXX { XXXX XXXX, XXXX/XXXX, XXXX, XXXX/XXXX, XXXX XXXX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/18 I mailed a {$40.00} check to my sister, XXXX XXXX which she never received. I did not put a stop payment on the check as she is my sister. On XX/XX/18 I noticed the check cleared my XXXX XXXX XXXX XXXX  checking account. I checked with XXXX XXXX and she had still not received the check. When I printed a copy of the check it was signed by XXXX XXXX, an individual unknown to XXXX XXXX or myself. On XX/XX/18 I filed a fraud dispute with my bank ( XXXX XXXX XXXX XXXX ) for a check that was false cashed by Bank of America. I was advised it could take up to 60 days and later told up to 120 days, I have been told repeatedly by XXXX XXXX XXXX XXXX that they are waiting on Bank of America to respond to their request. It has been over 6 months and no response.

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 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I originally took out a loan for a property in XXXX XXXX  with XXXX XXXX XXXXXXXX. That loan was an adjustable rate mortgage. The loan was subsequently sold to Ditech. The loan is in the adjustment period and I would like to refinance it. 

The problem is that Ditech does not have a license to originate loans in XXXX XXXX. They can service them, but not originate or refinance them. 

Ditech 's solution to wanting to refinance my loan was to contact a lender in XXXX XXXX -- however, taking out a new loan is much more expensive that just refinancing. 

So the problem I am having is why a company can own a loan from a state in which they can not originate them? It leaves their customers with much less flexibility.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
I filed a claim about SunTrust forcing me to pay a home inspection fee to have my PMI dropped even though my balance to original value had reached 78 %. They ignored this and forced me to pay {$450.00}. CPFB became involved and resolved issue and {$450.00} was returned. 
HOWEVER after thinking the problem had been resolved I received another letter dated XX/XX/19 stating that a {$450.00} appraisal fee was assessed and charged to my account. I was stunned, frustrated and at this point lost all faith in SunTrust and its ability to manage my loan without errors. I called The Executive Services Dept. The dept. that sent me the original letter dated XX/XX/19 saying the issue would be resolved and funds returned to me. I spoke with a man named XXXX XXXX who promised to get back to me to resolve this new issue. He NEVER bothered to return my call. 
I expected the new mortgage payment to reflect the removal of {$58.00} PMI amount. That occured for one month and then the payment went up higher than it had been while I was still paying PMI. I was told something vage about 'projections ' as well as an escrow shortage of {$450.00}. They have been aware of the change of insurance carriers for 3 weeks now which will result in a lower insurance rate by {$160.00} per year or {$13.00} per month. ( I have heard nothing from them ) AT THIS POINT I do not trust the lender to be providing me with an accurate accounting of what I actually owe monthly. Trying to resolve this myself when my calls are not returned leaves me no alternative but to contact CFPB again about SunTrust. I am a XXXX senior living on a fixed income, so significant increases and alleged monies owed with no solid or specific explanation much less this continued {$450.00} problem and being ignored have all caused me no small amount of frustration and concern.

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 2019-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I went to the dealership with an promise of just being an guarantor on an car on XX/XX/XXXX. Unnoticed to my knowledge i signed for an XXXX XXXX XXXX XXXX XXXX worth XXXX and an car loan for XXXX plus interest as well as insurance with XXXX with promises to pay {$860.00} at an later date. I didnt know that everything was going to be in my name and that i would be fully responsible for these payments and further more i didnt have an liscense to operate an vehicle or get insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
I was writing to inform you that there are still items are my credit report that are not mine XXXX, XXXX XXXX XXXX and XXXX XXXX. Please help me to get these items removed from my credit report .I have already contacted my local police and the FTC . I'm doing this on my own behalf.

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 2019-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STERLING BANCORP
State: NJ

Complaint narrative:
Paid off my loan with Sterling National Bank in XX/XX/XXXX Loan # XXXX XX/XX/XXXX I received a letter requesting proof of Successor in Interest for my deceased husband Responded to this letter on XX/XX/XXXX providing all documentation requested and asked for timeframe for receipt of discharge of mortgage Received a letter XX/XX/XXXX requesting additional documentation surrounding my husbands death Responded to letter on XX/XX/XXXX attaching all documentation AGAIN Called County today and confirmed there is still not release of the mortgage I need this release. Payoff occurred XX/XX/XXXX it is now 6 months later and still no release.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.

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 2019-03-29 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:
I sent a letter to XXXX XXXX  and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent a letter to XXXX XXXX and the major CRA 's last month, disputing the payment history and I got letter saying it had been verified, but the letter didn't prove the means.

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 2019-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
In 2008 I applied for college with XXXX University, XXXX XXXX and was told that my classes would be {$810.00} per class. XXXX University took double that amount out of my loan and I have disputed these charges with the college and with Navient but can not get any relief from either company. Navient keeps putting my account in forbearance running the cost of the loan up even higher. Somehow the company took out 2 separate loans out under my name and no one can explain to me how that occurred. I am requesting some type of help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
The Bank is giving out my banking records to people who walk into the bank and ask for it. I judge has previously issued a protective order instructing them not to give out any information on my personal banking accounts that are not jointly held with my mother XXXX XXXX. In addition to give the information to other people they have refused to give my a list of what they gave out and to who. I have recieved copies of my personal soley owned account from two different people and I am not sure who else they have given it to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/18 I mailed a {$40.00} check to my sister, XXXX XXXX which she never received. I did not put a stop payment on the check as she is my sister. On XX/XX/18 I noticed the check cleared my M & T Bank checking account. I checked with XXXX XXXX and she had still not received the check. When I printed a copy of the check it was signed by XXXX XXXX, an individual unknown to XXXX XXXX or myself. On XX/XX/18 I filed a fraud dispute with my bank ( M & T Bank ) for a check that was false cashed by XXXX XXXX XXXX. I was advised it could take up to 60 days and later told up to 120 days, I have been told repeatedly by M & T Bank that they are waiting on XXXX XXXX XXXX to respond to their request. It has been over 6 months and no response.

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 2019-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
This company is a Fraudulent collection agency who has no regards to the laws set by the US Bankruptcy court. They are going to receive a letter from my attorney and lawsuit for breach of the XXXX Fair Debt Collection Practices act. They bought this debt from XXXX XXXX XXXX XXXX XXXX. This debt was discharged through Chpt XXXX Bankruptcy in XXXX of XXXX. They are still calling me and are reporting to equifax as an open account. On XX/XX/XXXX they updated the account. They are also going to be getting a visit from a news organization at XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: GA

Complaint narrative:
Both EQUIFAX and XXXX XXXX are in violation of my federal rights. Even though your agency has been involved and updates were made, they have now been " reverted '' to the original errors to purposefully harm me. 

XXXX XXXX was charged off in XXXX. I then settled with XXXX  XXXX and paid the agreed upon balance in full, on XX/XX/XXXX. 

As of XX/XX/XXXX, My Equifax report is showing it as a Delinquency in Collection Status and the last reported delinquencies were XX/XX/XXXX ; XX/XX/XXXX, and XX/XX/XXXX ( the actual charge off date ). Their intentional and willful disregard for my rights has impacted me financially with interest rates and turn downs of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
A XXXX XXXX credit card account was opened in my name in XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX closed the account without my prior knowledge. I was unaware of any remaining balance. Since they closed this account in XX/XX/XXXX, they have been continuously reporting late payments each month to the credit bureau. I recently checked my credit report and have noticed 40+ late payment notifications on a closed account!!! It has damaged my credit very badly. I had no prior knowledge of these late payments that were reporting to my account each month for the past 4-5 years. I have filed a dispute with XXXX, XXXX  and Experian and they have failed to remove this from my credit report. I am making a formal complaint with XXXX, XXXX  and Experian for failing to due there due diligence to respond to me and correct my reports.

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 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX, 60 days late as of XX/XX/XXXX, and another 30 days late on XX/XX/XXXXI am not sure how this happened. I believe I made my payments to you when I received my statements. My only  thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover Card submitted a fraudulent account onto my credit reports. Then when I told them it is fraud they sent a letter apologizing. Then they committed fraud by changing the account number and resubmitting the fraudulent account as mine. I disputed with the bureaus and it was removed. Then Discover card came back and submitted it again under closed derogatory accounts. This has been a 2-year process and their harassment and law-breaking knows no bounds and they need to be punished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: NY

Complaint narrative:
A background check was done on me for employment and something is on the record that belongs to my father and not me, we have the exact same name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MI

Complaint narrative:
On XX/XX/2019 I sent a certified letter requesting that SW Credit Systems L.P. validate a said debt. They did not senders me any of the documents I requested for validation of the said debt. I did not request them To verify the debt they are attempting to collect from me. I specifically asked them for a signed agreement and other supporting documentation. They only provided me with a billing statement which isnt validation and does not prove that that Im am obligated to pay SW Credit Systems L.P. anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: DISCOVER BANK
State: NC

Complaint narrative:
On Friday XX/XX/XXXX, I responded to a XXXX XXXX XXXX advertisement for XXXX XXXX Tickets. ( XXXX ID : XXXX ; XXXX XXXX   XXXX ). The advertisement was for 2 tickets for {$470.00}, based out of XXXX, XXXX. I was in XXXX, XXXX at the time but reside in XXXX, XXXX. The ad said to text them ( XXXX ) to set up the ticket transfer. They explained that they could accept payment through XXXX XXXX, XXXX, or in person. Unfortunately, in person was not an option for me, so I elected XXXX XXXX. They sent me an invoice from the account XXXX for {$470.00}, claiming that it was a typo from the agreed upon {$470.00}. I used my Discover debit card to pay the transaction at approximately XXXX XXXX on XX/XX/XXXX. After that point, I stopped receiving any text messages or other contact from the seller despite multiple attempts, including phone calls and emails as well. The payment went through on Monday XX/XX/XXXX and I still had not received the tickets or any further contact from the seller. I attempted to cancel the payment with Discover but they said it was too late and there was nothing I could do. I contacted XXXX multiple times to take down the post and they still have not done so. I contacted XXXX XXXX and was also told there was nothing they could do. I created a XXXX phone number on XX/XX/XXXX and contacted the seller and they responded saying that they had tickets available. When I confronted them about giving my money back, they stopped responding to that number as well. I filed a police report with the XXXX XXXX on Wednesday XX/XX/XXXX. I tried contacting Discover again on Friday XX/XX/XXXX to file a formal dispute over the transaction and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 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: CA

Complaint narrative:
XXXX XXXX submitted a fraudulent account onto my credit reports. Then when I told them it is fraud they sent a letter apologizing. Then they committed fraud by changing the account number and resubmitting the fraudulent account as mine. I disputed with the bureaus and it was removed. Then XXXX card came back and submitted it again under closed derogatory accounts. This has been a 2-year process and their harassment and law-breaking knows no bounds and they need to be punished.

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 2019-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
This is my 3rd or 4th complaint against Capital One for the same exact issue. 

The company repeatedly denies my credit line increase requests, even though I have good credit, good income, and make all my payments on time. The letters they send DOES NOT provide a detailed explanation as to why ; the explanations are vague and provide little to no information as to why. When I call the company 's customer service to receive detailed information, they tell me that they can not help me and to read the letter explaining the credit line denial - even though I explain to them when we first start the call that 'm calling to receive specific information as to why I'm being denied a credit line increase. There is no detailed reason as to why I'm being denied a credit line increase ever provided. Even the companies previous responses to my prior complaints on the same issue are filled with no valid reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Choice Recovery, Inc.
State: TN

Complaint narrative:
My recent credit report showed a charge off for {$9.00}. It's impacted my otherwise good score. The charge off was from Choice Recovery. Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX. My account is XXXX XXXX. 
I've never received notice or a call of an outstanding collection amount. I called them today and they advised that I owed an outstanding {$8.00} for my daughter 's treatment at XXXX XXXX  XXXX. Although I carry the insurance for her, I never took her to an appointment and agreed to pay any amount that may have been covered. My ex-wife would have done that and resolved with the provider. 

Any amount due would have been sent to my former address of XXXX XXXX XXXX in XXXX, GA. 
Again, I never received a notice as I haven't lived at that property for 5+ years. 
This collection agency wouldn't do the decent thing and remove this amount and had to follow up with the provider, but they couldn't even prove if I was listed as the guarantor for the bill with my address/signature.

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