vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 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: CAC Financial Corp
State: OK

Complaint narrative:
cac financial has no validate account, they keep sending a letter head of doctor office but placing there information in the itemized statement, i have asked for a signed document with my signature and debt assumed to be agreed. the have yet sent any such documents. an itemized statement is not validation. 

at the end of this investigation will determine if i file civil suite against XXXX AND CAC FINANCIAL for report unvalidate debt to my credit report in order to damage my credit. both have been asked to verify and validate debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I moved from Colorado to Florida in early XX/XX/XXXX and opened a checking and savings accounts with Suntrust in XXXX XXXX Fl. I deposited a cashier 's check issued by XXXX XXXX XXXX XXXX ( escrow refund ) in the amount of {$3100.00}. I went to Suntrust on XX/XX/XXXX and was told that my account was on hold because the cashier 's check was fraudulent as of today Suntrust is refusing to return my funds. I have talked to several people at the XXXX XXXX bank and had many phone calls with the XXXX TN office and all I'm told is the cashier 's check is fraudulent and I won't be getting mu funds back. This is just wrong. I have also had a number of conversations with XXXX XXXX XXXX ( XXXX ) XXXX, e-mail XXXX. I talked to XXXX XXXX on Friday XX/XX/XXXX and she said the both the fraud and mortgage departments have assured her that the cashie 's cash is good. This has been an up hill battle and Suntrust has done nothing to try and resolve this issue. I was told that there was a note in my file that they contacted XXXX XXXX XXXX and were told the cashier 's check was fraudulent. This is completely untrue. I just want my funds back and any assistance you give me would be appreciated.

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 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
Opened account with Citizens Bank on XX/XX/2017. The offer I responded to stated that if I had a direct deposit of {$500.00} to the account within 60 days Id receive a {$200.00} bonus. I have contacted the bank and have not received this bonus yet.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-14 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: IL

Complaint narrative:
On XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
I would receive multiple calls while at work at the most inconvenient times from ccs. I finally got tired of the constant harassment and rudeness from the company so I decided to settle with the company, they told me i owed debt with XXXX XXXX XXXX and even though the information provided to me didn't seem to register with me I reluctantly paid the settle amount. After some time had passed and with much thought I decided to call and ask questions about this debt because I don't ever remember having auto insurance with XXXX. I reached back out ccs to ask questions and the dates the company provided me with didn't seem right because I knew I didn't own a car or have a car in my name at the dates ccs was saying I had auto insurance, so after going back in fourth with ccs and coming out even more confused. I decided to contact my transportation cabinet to see if I owned a car on the dates ccs said i had car insurance. Ccs said that I had auto insurance with XXXX from XX/XX/XXXX to XX/XX/XXXX. I have uploaded documents from my transportation cabinet with all cars I've had in my name and high lighted dates registered I never owned a vehicle on or around XX/XX/XXXX to XX/XX/XXXX as shown from the high lighted dated documents. This company ccs has scammed me out of money, they have no documents with my signature on it saying that I signed up for auto insurance with XXXX and also are reporting this on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: FL

Complaint narrative:
I leased a XXXX XXXX XXXX. This is our XXXX XXXX in the last 9 years. For the first time I was getting close to the miles. Visited XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX trying to get a solution becuase didnt want to go over the miles. None of them advicsd me that it would be better to pay the extra miles than getting a new car at the moment. None of them were able to work deal that made financial sense to me. At the end I decided to return the car and pay the XXXX remaining of the lease. At the time I received the first bill XX/XX/XXXX I contacted Hyundai Motor Financial and told asked them to wave the XXXX early termination fee so I can pay the difference Since a new need for a Hybrid came up I wanted to stay with the branch and with the Ioniq I can get a tax credit. At that time the ioniq wasnt available, I made an initial payment of XXXX to my account. The representative told me he will extend the due date until XX/XX/XXXX until the car became available. XX/XX/XXXX was here and the car I wanted wasnt available, At the moment paid another XXXX requested the fee to be refunded and was declined again. Asked the representative if paying after XX/XX/XXXX will affect my credit her asnwer was that everything stay in house and an internal recovery department will contact me. 
In XX/XX/XXXX I received a call from XXXX a collection agency asking me all my information. I wasn't comfortable answering and the agent told me they will send a letter. That letter came in a week letter and than in XX/XX/XXXX the agent call me again. When he was asking my verification questions he told me he cant talk to me because my date of birth didn't match his records he had XX/XX/XXXX and my DOB is XX/XX/XXXX he promise a call when fixed. On XX/XX/XXXX he calls me back telling me they corrected the information and we can now talk. I told him that I will pay the invoice completely because I didn't want to affect my perfect payment history I have built for the last 12 years. He told me is to late because in XX/XX/XXXX I was reported to the credit bureaus with a delinquent account. I wasn't happy XX/XX/XXXX was the day he couldn't verify me over the phone because of their mistake. I told him I will pay when they remove that negative mark from my credit. He talked to his supervisor and told me they will do and exception and email Hyundai to get that off my credit in exchange I have to pay in full. 
It is now XX/XX/XXXX and I haven't receive a call back, the mark still in my records, I called then 3 times and are always with a high call volume. I emailed Hyundai Motor Finance and they directed me to recovery who directed me to that XXXX number. 
This is not the first time HMF damaged us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I am resubmitting complaint since the previous explanation was not accurate and insufficient. 

Since Medical Data Systems reported the outstanding debt to Credit Bureau, it is responsibility of MDS to correct the error Below is the summary of my complaint : My son received treatment @ XXXX XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX He had insurance coverage and details was provided to XXXX. 
However XXXX continued to send bill making it self pay inspite contacting several times to correct the error and submit to insurance. I also tried conferencing XXXX billing department with XXXX XXXX XXXX XXXX since I was told XXXX was having trouble submitting the claim. However XXXX service rep hung up the phone when I conferenced associate from XXXX This continued for most of XX/XX/XXXX and XX/XX/XXXX and eventually XXXX turned over the bill to Medical Data Systems for collections and it ended up in credit bureau as unpaid collections. 
To avoid running out of time, I contacted XXXX late last year and submitted a claim myself with the information I was provided by XXXX. However XXXX informed me that it was missing several pieces of information to process the claim. 
I was hoping to get the claim resolved within 6 months so that collections does not become permanent in the record. I have contacted Medical Data systems several times in last 6 months but so far I have not received the information I need to submit the claim with XXXX. 
Every time after spending hours with Medical Data systems staff I get same information which is missing Diagnosis code and Procedure code. 

XXXX has promised that they will process the claim as soon as they receive complete information and will pay the outstanding bill to XXXX as soon as it is processed. 
I dont have any doubt that the bill will be completely paid I am requesting CFPB to interject and advise Medical Data Systems to remove the collections effort from the credit report immediately. Meanwhile I am working with XXXX to provide me the required information or submit the claim with insurance 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 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I noticed 4 collections accounts on my credit report from XXXX XXXX XXXX ( NRA ). I have never been contacted by this company. I sent a certified letter to NRA the next day letting them know their claims are disputed and validation is demanded. Instead of sending validation of the accounts, NRA added 2 additional debt collection accounts to my credit report on XX/XX/XXXX. I still have not heard from NRA nor received validation of any of the accounts they have reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
For the second time now Carrington Mortgage has come through on my bank account 2 days earlier ( agreement date is the 16th of every month ) then our agreed upon date. Causing overdrafts as well as locking up my account. Their document, which I have attached is by Carrington, clearly states the money will never be drafted prior to date submitted on AHCAuthorization form, XXXX : //www.carringtonms.com/XXXX-ACHAuthorization.pdf Per Carrington 's agreement form : " Once your Automatic Payments have begun, your payment will not be debited prior to the dates you selected on the authorization form. However, payments may periodically be delayed by weekends, holidays or administrative interruptions. You understand that CMS will continue to debit my account for the full term of your note or until you provide notice that you wish to cancel automatic payments ''. 

I called them the first time this happened and they assured me they'd correct it but they did not. I called bank this morning and they told me they have nothing to do with the date the payment is withdrawn and if it's withdrawn early ; it is because the mortgage company sent it early. *Bank Statement on XX/XX/18 attached and shows overdrawn status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
The mortgage company ( Roundpoint Mortgageg ) misread the Flood Insurance coverage dates for my condo and incorrectly determined I did not not have coverage. They subsequently purchased coverage for my condo and the entire association and increased my monthly payment by {$1000.00}.

The coverage is in place via the Condo Association. I have sent the mortgage company the the Flood Insurance policy the condo association has with proof of coverage. They have acknowledged receipt of the XX/XX/XXXX page. I have called numerous times and explained the situation the insurance coverage purchased by the mortgage company be removed and my monthly payment be corrected. I have been told that they will correct the issue and it is still not fixed. Dates below : XX/XX/XXXX - I first called to ask why my payment increased. They stated I did not have flood insurance. I told them this was purchased via condo assoc, They told me to send copy of policy. 

XX/XX/XXXX - Insurance Company sent me a confirmation that a copy of the policy had been sent to mortgage company via mail.

XX/XX/XXXX - I emailed a copy of insurance policy to mortgage company. I also called mortgage company and they said I also needed to submit escrow waiver request. So I also emailed escrow waiver request on XX/XX/XXXX.

XX/XX/XXXX - I received an email confirmation from Mortgage company that they had received the copy of the insurance policy.

XX/XX/XXXX - I called the customer service number and the rep said the account should be updated within 7 days. It was not.XX/XX/XXXX - I called the customer service number and the rep again said the account would be updated in 7 days. It is still not fixed. 


It has been over 45 days since I first contacted them and nothing has been resolved. This was their error to begin with.

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 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.

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 2018-04-14 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: IL

Complaint narrative:
On XX/XX/2018 I disputed incorrect information on all three reports. My date of birth was incorrect it was a month off and I asked them to correct it. I also disputed incorrect information on the credit card and auto loan accounts that are on my report. I have paid these accounts off and they are still reporting incorrectly on all three reports. The credit reporting agency refuses to remove these inaccuries and keeps telling me that the information is accurate and complete and fails to tell me the method they used to verify these inaccuries.

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 2018-04-14 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: MS

Complaint narrative:
I have been sending disputes to Transunion every 35-40 days since XX/XX/2017 and on multiple occasions the results where received after 30 days or not received at all. I even sent letters for verification of method used to investigate and haven't received any response either.

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 2018-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ACIMA CREDIT, LLC
State: MI

Complaint narrative:
Acima is still trying to collect a debt that discharged in Bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Second Round Limited Partnership, Austin, TX Branch
State: PA

Complaint narrative:
I have an entry on my XXXX credit report ( which I have just disputed ) for an old XXXX card, that I settled with a previous debt collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
CFPB Complaint number # XXXX CFPB Complaint number # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX Equifax Confirmation # XXXX These two/three complaint are related to the same issue in which Equifax is illegal verifing and reporting a public record on my credit report. They have violated the FCRA by using a third party vendor ( XXXX  XXXX  ) to verify a public record. My XXXX  XXXX  credit report is frozen yet they claim to be using them to verify this public record below. XXXX XXXX XXXX XXXX XXXX {$130000.00} Ref # XXXX each time I disputed this, they have used the same response and never truly did a proper investigation by going directly to the data furnisher which would be the court house/country clerk. This judgement is not satisfied nor is it released yet Equifx keeps reporting it like this due to negligence on their end. This is not an accurate tradeline and thus needs to be removed. The data furnisher which is the court house NOT XXXX XXXX. The court house or the county clerk do not report or furnish information to the credit bureaus like Equifax and yet this is illegally being reported on my credit report. the FCRA states in : FCRA 603 ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; with that said I have not given ANY consent to any court house , county clerk, XXXX XXXX or anyone the right to report this public record on my credit report. XXXX XXXX has it wrong and thus Equifax has it wrong and further both are not accurate and this trade line needs to be deleted off my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've recently checked my credit report for the first time ( in a while ), I have noticed an Inquiries section towards the bottom of the report. This is having an impact on my credit. 
These companies and or individuals made hard inquiries on my credit report that were not authorized by me. They have affect my credit score negatively. 
I checked my personal credit report, which I acquired from Transunion, XXXX and XXXX and I noticed an unauthorized inquiry had been made. 
I contacted XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX, XXXX/XXXX, XXXX  XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into all listed companies inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter.

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