vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-08 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: IN

Complaint narrative:
On XX/XX/XXXX, I sent a certified return receipt letter to XXXX XXXX XXXX XXXX with validation of loan and competent evidence bearing my signature, showing I had ( or ever had ) some contractural obligation to pay for a vehicle loan and disputed the account for accuracy. The letter was signed for by XXXX XXXX on XX/XX/XXXX.
OnXX/XX/XXXX, I received a letter from the Credit Bureau Team of XXXX XXXX XXXX XXXX stating the have confirmed that XXXX XXXX XXXX XXXX is reporting correctly. XXXX XXXX " verified '' with out showing my signature nor providing information on who conducted the verification of the account. OnXX/XX/XXXX, I sent a letter stating, " Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for onXX/XX/XXXX. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. '' Today,XX/XX/XXXX, I  received an updated credit report from Experian showing that I disputed the account and the Credit Bureau continues to " validate '' the account well after the 30 day period of non-compliance of XXXX XXXX XXXX XXXX as to the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ).

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 2017-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I have disputed this debt several times with  Portfolio Recovery Collection  and asked for verification and validation.  Portfolio Recovery  did not provide any of the requested information, however the company updated my credit report to indicate that I have an " Open '' account with them in collections. I have not ever done business with this company and have requested that the erroneous account be removed from my credit report.      Portfolio Recovery  is reporting that I have  two  open accounts in the amounts of {$1200.00} and {$2600.00} for a total of {$3800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: BBVA FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX XXXX 2017 there was two trial deposits from SIMPLE to link my accounts together so I can do a transfer from my external account SIMPLE ( which is still handle by the same bank ) to pay the overdrawn amount of {$9.00}. My external account SIMPLE is partnered with BBVA Compass Bank ( which is the same bank I am having an issue with that handles my other BBVA Compass Bank checking account. ) The trial deposits were sent from SIMPLE and when they attempted to get the trial deposits back on XXXX XXXX 2017 that is when BBVA Compass Bank that holds my other checking account charged me a NSF fee. The whole purpose was to make a transfer to pay the overdrawn {$9.00}. The trial deposits amounts {$0.00} & {$0.00}, NSF Fee {$38.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 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: IN

Complaint narrative:
I requested that  three  accounts that has been added to my  XXXX   XXXX  and Equifax credit be removed as that do n't belong to me.  XXXX  credit has removed the bogus accounts but  XXXX   XXXX  and Equifax says per their investigation the information will remains and is verified to be accurate. I have never went to  XXXX   XXXX   XXXX  for anything and the collection agency says it 's back from  XXXX . So something I have no knowledge of that happen in  XXXX  is still on my credit that 's unrealistic. The following accounts are on my Equifax and  XXXX   XXXX  and they should be removed immediately :   XXXX   XXXX     {$800.00}   XXXX   XXXX     {$1700.00}   XXXX   XXXX   {$800.00} I have requested that these items be removed each month since  XXXX   XXXX  and each month I get a letter stating that items remain as has been verified, but noway could it be verified because I never have been to   XXXX   XXXX   XXXX   for any services EVER ... ....     Please remove items as they are ruining my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX and Simons Agency fail to valaidate a alleged debt owne for medical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TCF NATIONAL BANK
State: IN

Complaint narrative:
I had an account with TCF bank, the acct closed out and after closing I did owe them {$99.00}. There was a payment made to TCF bank, but now they are reporting to my credit report as a collection. I am in the process of purchasing a home and now this comes out of nowhere, I thought once I paid them I was completely done with this company ... This bank and their collection has caused my score to completely drop horribly even after they were paid their {$99.00} now they are asking for more ... I want this company to remove this acct from my credit report, its unfortunate that they do not keep accurate records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This Compliant is being sent to CCS in response to a listing on my credit report. A notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ). I never established a contract with this company at all.At this time I will also inform you that if your offices have reported invalidated information to any of the  XXXX  major credit bureaus (  XXXX ,  XXXX  and  XXXX  ) this action might constitute fraud under both Federal and State Laws ) which are in violation of the following : the Fair Credit Reporting Act the Fair Debt Collection Practices Act Defamation of Character I also respectfully request CCS to provide me with competent evidence that I have any legal obligation to pay you.
<P/>
am requesting the following verification : 1.Recorded or telephonic conversations.
<P/>
2. Any payment methods you have on file indicating that I made payments to CCS company. ( Checks, debts, or money orders payments ) 3. Provide me with a documents with my signature indicating that I agreed to this debt with CCS.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was behind in my mortgage payments, so I borrowed {$6700.00} from my daughter and she deposited it in my Bank of America account. I made my mortgage payments, but unbeknownst to me, Bank of America had taken out {$1700.00} from my account, causing my mortgage payments to be returned. The seizure of {$1700.00} by Bank of America was for a credit card account, which had been inactive for a period of 9 years. The last payment I had made was in XXXX. It was a company debt, and our company had filed Bankruptcy in XXXX. I was unable to pay anything, because I was diagnosed with a XXXX XXXX XXXX and have been unable to work. My only income is {$570.00} from Social Security. I called Bank of America, and told them they could n't do this, and the customer service person very nastily told me that it could be collected because they had just written this off. I believe the statute of limitations is 4 years, which is a long time ago. No communications have been received at all for at least 8 years. I do not believe they can legally do this and I would like my {$1700.00} back. The credit card was in the business name, and the funds were taken out of my personal account. Now I am again behind in my mortgage payments, and have no way of paying it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Tried to use my CITI Costco Business card on XXXX/XXXX/2017 at a restaurant. It was declined twice. Called up the Customer Service number and was told that the Citi Executive Response Unit has made the decision to cancel the account and they can not give me a reason. I am supposed to mail a letter to Executive Response Unit, XXXX XXXX XXXX, XXXX XXXX, SD XXXX and wait to hear from them. That is the only way I will get an answer. There is no telephone number to contact them. Meanwhile ; I am left with no Business Credit Card for reasons unknown to me and Customer Service at CITIBANK will not answer any questions

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 2017-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: WA

Complaint narrative:
I have  XXXX  hard inquires on my credit report and they were n't authorized 1.   XXXX     XXXX , DE  XXXX  (  XXXX  )  XXXX  and 2.  SpringLeaf Financial  services no contact information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
We submitted a short sale request to SPS on  XXXX / XXXX /  XXXX  . I have followed up every-other-day since to ensure we are moving along swiftly. Our offer is $  XXXX  and the bank completed a value on  XXXX / XXXX /  XXXX   that came in at $  XXXX . On  XXXX / XXXX /  XXXX   I was advised by  XXXX  at  SPS  that we needed to remove the word HAFA from the HUD and put the sellers name in where the {$10000.00} relocation incentive appeared. I provided that revised HUD to SPS on  XXXX . I continued to follow-up on an every-other-day basis. Due to lack of response I opened a complaint with CFPB on  XXXX / XXXX /  XXXX   case :  XXXX . On  XXXX / XXXX /  XXXX  , I believe in a retaliation move because we filed a complaint, they countered the offer stating they need a NET of {$220000.00}. Since the buyer is already paying {$15000.00} over value we had to remove some items and reduce realtor commission. I submitted a revised HUD to SPS on  XXXX  and requested that they not hold the file for another 30 days like they typically do. I called on  XXXX  and  XXXX  with no updates. I called  XXXX  and was told that the file was noted " today '' and to keep calling that I should have an answer any time now. I called  XXXX ,  XXXX  and  XXXX  all with " no update, still pending review, a decision will be made within 30 days '' response. I called today and was advised that on  XXXX  the file was noted that the relocation incentive had to be removed. Why was n't this told to me in  XXXX  or  XXXX  when I called numerous times? Why was n't I told when I called numerous times on and after  XXXX ? I have a letter from the Ombudsman department simply telling me about a required increased NET, never noting that the incentive has to be removed. Specifically SPS told me on  XXXX  to keep the incentive, just change the wording. Now I am asked to resubmit ANOTHER HUD and wait another 30 days. I asked for a supervisor and when I told him I would n't wait another 30 days and I want my file rushed he replied " That just is n't going to happen ''. Only after I asked for his manager did he reach out and try to get a rush. They still wo n't work my file without a new HUD  (  which I have requested from title ). I thinks SPS has exhibited malicious behavior on this file - purposely being neglectful in what information they are relaying, closing out my last CFPB complaint with a counter offer only to have an oversight on their part with the relocation incentive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
The name of the card is CareCredit. i used it for extensive dental work not covered by insurance. I bought the " protection plan '' because my husband was ill and I was afraid I may lose my job ( and him ). My husband did subsequently pass away and when I got my last bill, i realized there was more due than the promotions amount. I called and they said that is was interest and fees for the protection plan that amounted to {$1000.00}. They told me that I should have told them how much to apply when paying the bill, I always paid more than the minium. I was NOT told that when I applied for the protection plan. I feel this was deceptive, and that the fees are exorbinant. Can I get some relief from this excessive charge? This practice is unfair and deceptive.

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 2017-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Dear CFPB : My client is selling his home in a short sale. The bank accepted an offer of {$130000.00} they wanted a net proceeds to them at {$120000.00} and they wanted an additional contribution from the seller of {$15000.00} which he could not pay. The buyer was willing to pay the sums under the contract plus the {$15000.00}. The bank refuses to accept the offer even though they will be made hold. The seller is going to have to pay moving expenses to relocate and pay rents and other bills. He does n't have the means to pay the {$15000.00}.

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 2017-06-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
ON  X/XX/2013  I HAVE A VEHICLE TRADE IN PURCHASE ORDER FOR MY TRUCK TRADE IN ALLOWANCE  XXXX  ESTIMATE PAYOFF  XXXX  EQUITY  XXXX . ON  X/XX/2013  THE DEALER   XXXX   XXXX   XXXX   RESCINDED THE SALE FOR THE THE   XXXX   XXXX   FOR THE FOLLOWING REASONS PRE BANK APPROVAL. I DO NOT HAVE A CONTRACT FOR THE   XXXX   XXXX   NOR ANY AGREEMENTS OR SIGNATURES FOR A NEW CONTRACT OR MY CONSENT TO MAKE PAYMENTS TO  WELLS FARGO  FOR   XXXX   XXXX   USED VEHICLE I HAVE BEEN MAKING PAYMENTS ON IN THE AMOUNT OF {$370.00} A MONTH EVER SENSE THIS SHADY DEAL TOOK PLACE BETWEEN   XXXX   XXXX   XXXX   AND  WELLS FARGO B ANK FOR USED VEHICLES. THEY HAVE TAKEN MY TRUCK TAKEN TEN OF THOUSANDS OF DOLLARS AND KNOW THEY WANT THE CAR BACK AFTER THEY HAVE WRITTEN OFF LOAN FOR NO PAYMENTS RECEIVED WHILE RUINING MY CREDIT. NO CONTRACT SHOW ME THE CONTRACT I HAVE A CONTRACT FOR MY TRUCK I HAVE A CONTRACT FOR MY   XXXX   I HAVE NO CONTRACT FOR THE   XXXX   XXXX  . ALSO THIS  XXXX  HAS BEEN SERVICED BY   XXXX   XXXX   XXXX     XXXX   XXXX   CALIF AND NEVER ONCE HAVE THEY REPORTED A LICENSE NUMBER ON ANY SERVICE ORDERS BUT HAVE DONE SO FOR MY FIANCES VEHICLE. THIS CAR IS A LEMON FRAUDULENT NIGHTMARE.

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 2017-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
In  XX/XX/XXXX    Freedom Mortgage became my mortgage provider. I immediately went to their website www.freedommortgage.com where I made all my monthly payments.
<P/>  And then sometime in  XXXX , I received a letter from them advising me that they were taking back the loan service from a loan servicing company. This did not make any sense or difference to me because my payments have always been made and will continue to be made from the same online portal.  <P/> My payments have traditionally been due between the  XXXX  and the  XXXX  of the month. I have never made a late payment ever. See attached payment history.  <P/> So, on  XX/XX/XXXX  I went on the portal and scheduled my payment for the month of  XX/XX/XXXX  as  I have done for all other months prior.  <P/> Unbeknown to me, that is whe n Freedom Mortgage claimed to have taken back the management of my loan from the servicer. In the process of their transition, that    XX/XX/XXXX payment scheduled against my  XXXX  mortgage was never drafted from my account. All of this was without my knowledge.  <P/> At the end of the month of  XXXX , I submitted my payment for the month of  XXXX . That payment got taken for the month of  XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for th e one of    XXXX .  <P/> In the month of  XXXX , I submitted my payment for the month  XXXX , that payment got taken for the   XX/XX/XXXX  In the month of  XXXX , I submitted my payment for the month of  XXXX , that payment got taken for that of  XXXX .  <P/> In  XXXX  when I submitted my payment for the month of  XXXX , the payment got taken for that of  XXXX .  <P/> It was not until the month of  XX/XX/XXXX that I realized that the initial payment that I had submitted for the month of  XXXX  was never drafted that I went ahead and made a double payment for that month.  <P/> In the meantime  , Freedom Mortgage has been reporting my payments as late to the credit bureaus.
<P/>
My question to Freedom   Mortgage is this : Was there a payment scheduled on  XX/XX/XXXX  If so, why was that payment never drafted?  <P/> Ano  ther commons sense question I would like to ask Freedom Mortgage. Why couldnt it dawn on them that in all my payment history, I have never been late and that this is due to their confused transition?
<P/>
My contention is that Freedom Mortgage is unduly penalizing me for what seems to be their own internal confusion and I will like for this to be fixed.

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 2017-06-08 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I noticed that a debt for  XXXX  was being reported on my credit report. I disputed with   XXXX   and Transunion as I had no knowledge of this debt and it appeared to an unverified debt.  XXXX  realized that debt was not verified and removed. However Transunion continues to report despite my various request of an reinvestigation demanding that they provide me proof of physical verification. Not only have they not provided me physical verification but they have failed to notify me of the results of the collection.

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 2017-06-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Greentree & Associates
State: NC

Complaint narrative:
I have had the same mortgage company since i purchased my home in XX/XX/XXXX. The started off as XXXX XXXX then change to Green Tree and they are now XXXX. They overcharged me so many time as Green Tree and made my life miserable. I finally 2 years ago had to file bankruptcy just to keep my home. They were sued XXXX XXXX in XX/XX/XXXX. I have yet to receive any information about money i am sure i am owed by them this lawsuit being they have XXXX my whole life up and would like to know what i have to do to get information to claim part of this lawsuit. Please if you can give me the steps to take. Thank you for your time and help in this matter. <P/>Sincerely, XXXX XXXX

Company response to consumer: Untimely response