vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America ( second lien holder ), XXXX,, and XXXX are reporting this mortgage account as open and late which is incorrect. This mortgage account was actually foreclosed and closed which occurred back in XX/XX/XXXX. Since that point, Bank of America has not reached out to me to remedy the situation. The loan was reported foreclosed and closed by Bank of America, XXXX, and XXXX. On XX/XX/XXXX, Bank of American purchased the home due to it being the second lien holder and sold the property at auction. On XX/XX/XXXX Bank of America began maliciously reporting the loan as a charge off. I filed a complaint with XXXX and they reported the account as valid which was incorrect. On XX/XX/XXXX Bank of America maliciously reported the account as open and being 180 days late which is incorrect. I filed a complaint with XXXX again and was told the reporting was valid. I contacted Bank of America and was not able to receive an explanation for the malicious reporting. This mortgage account was a second mortgage and was executed on the same day as the first mortgage. The first mortgage is closed and has the correct status. The execution date was XXXX XXXX, XXXX. This was a XXXX 80/20 loan product and was purchased entirely by Bank Of America in XXXX. Bank of America made itself the second lien holder in order to maliciously attack my credit file if this loan ever defaulted. This second mortgage loan was used to purchase the property and should have gone away like the first mortgage due to the property foreclosing. I want Bank of America to cease this malicious reporting practice and make this right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX  and Equifax are in violation of act s 611 5 b of the fcra I have 8 inquiries XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX and 2 from XXXX XXXX  XXXX and XX/XX/XXXX on my report that is not suppose to be there these are not suppose to be on my credit report. I sent disputed letters, XX/XX/XXXX, XX/XX/XXXX, complete dispute online, XXXX customer service would not help and take care of the negative inquiries reporting to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MO

Complaint narrative:
Have a mortgage on a mobile home with Ditech. Never received a bill in XXXX XXXXand by XX/XX/XXXX still had not received a bill. Called the customer service to ask about account status, was told my bill had been mailed out on the XX/XX/XXXX, payment on this account is due on the XX/XX/XXXXof each month. Finally received the bill and sent payment for both XX/XX/XXXX and XX/XX/XXXX. Got a notice yesterday that I was in risk for foreclosure and that they want me to talk to Loss Mitigation. I got online and looked at my statements. There was no record of a statement having been sent in XX/XX/XXXX, and no record of one being sent in XX/XX/XXXX, until the statement sent on XX/XX/XXXX. 

I tried to contact customer service yesterday. Chat was " unavailable ''. I called their customer service number 5 times, got disconnected every time when the automated system claimed to be sending me to a representative. An attempt to send a message through the website also failed with a message that an error prevented it from being sent successfully. 

I immediately made an online payment for the amount they said was " past due '' - {$830.00}. to be processed immediately. Payment has not credited to account. I did call my bank, and the payments I sent through the mail have not been paid yet by them, but I will continue to monitor. 

I believe no billing statement was sent either due to sheer incompetence or in attempt to deliberately put me in default. I took a screen shot of the list of statements available on their site ( showing no statement had been generated in XX/XX/XXXX, and the late statement issuing on XX/XX/XXXX ). I also downloaded all statements from them since XX/XX/XXXX, in case I end up in court with them. I have had this loan and paid it faithfully since XX/XX/XXXX. 

I also received a notice from them that they are in Chapter XXXX bankruptcy, so filing a suit against them now seems like a pointless gesture. 

This company needs oversight, now. Looking online I see numerous complaints from others having the same or similar problems with payments not credited and being unable to reach customer service to attempt to resolve problems.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My wife and I have been seeking a loan modification with Select Portfolio Servicing ( SPS ) for over a year now and we recently filed CFPB complaints highlighting what we believe to be discriminatory and fraudulent business practices. Although we recently received a letter from SPS stating that the scheduled foreclosure date of our home ( XX/XX/2019 ) has been cancelled, as of XX/XX/2019, SPS 's attorney XXXX XXXX XXXX, XXXX still has our home listed on their website to be foreclosed upon on XX/XX/2019. Please reference SPS Foreclosure Cancellation Notice dated XX/XX/2019, attached. 

Thank you. 


XXXX XXXX XXXX XXXX. 

Customer Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX File Numbers : XXXX XXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX. XXXX, VA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: VT

Complaint narrative:
My name is XXXX XXXX andI have had a credit card account with XXXX XXXX XXXX for years now. All of the sudden they sent my account to a collection agency and i just settled my debt with them. Now XXXX XXXX is saying i still owe them money and they say im late on my payments when i never missed one

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
The loan company will not send the monthly statement on time. The statement has a due date for the XXXX of each month, the company has been sending the monthly statement after the due date, and even after numerous phone calls with their representatives plus twice with supervisors the same thing still happens. They now have sent me a communication with a debt collector, I have been paying this on time and before due date until Ditech took over. They want me to allow them access to my bank account for automatic payment, and they can not even keep the mailing straight of the monthly statement. I pay by check and have been ever since I started the loan and I will continue to do so if they will just do their part by sending the monthly statement on time. I believe that they are trying to force me into direct payments and I refuse, I will pay by check as always. In over 25 years I have never been late, I have always paid on time but can not, if I do not receive the statements on time. 

,

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and CAPITAL ONE with no successful resolution. XXXX, XXXX, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MO

Complaint narrative:
I received a call from IC Systems regarding a account last week. Was told they just received a account opened in my maiden name in which I havent used in over 22 years. Also the rep couldnt provide any information. I requested validation ( a  wet signature ) of the contract. Told him it wasnt mine & I need more information. Was told they just received the account 7 days ago. However I received no letter, 3 calls in the same day after I requested No calls. And the account should still be in the validation period collector requesting payment. Huge FDCPA violation. I recorded the calls as well. This is Not my account and was not opened by me

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 2019-05-14 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, TransUnion, and XXXX XXXX with no successful resolution. XXXX, TransUnion, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.

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 2019-05-14 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: CA

Complaint narrative:
I have a credit card with XXXX  XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX with no successful resolution. XXXX, XXXX, and Equifax only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: CA

Complaint narrative:
I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Experian, XXXX, XXXX, and XXXX XXXX with no successful resolution. Experian, XXXX, and XXXX only reporting me 120 days late payments. There was an error on their part. I was never 120 days late.

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 2019-05-14 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
XXXX XXXX doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX   I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with XXXX   and XXXX hoping that they would address this issue. XXXX XXXX then reported back to XXXX that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( XXXX ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I XXXX XXXX XXXX state that I have no knowledge of or admit to ownership of any account with Santander. 

I do not believe that this account is mine and believe that it is being reported inaccurately on my credit reports. I have never been presented with any documentation showing ownership of this account nor was I ever given notice that it was going on my credit and would be damaging to it. Nor was I given notice that I had a 30 day window to dispute this account in the beginning. 

Furthermore the account is full of inaccuracies reporting to my bureaus. 
The account claims to be " closed/charged off ''. That means sold to someone else. So why is it remaining on my credit reports. 
Secondly the amount claimed owed is incorrect. 
Third ... .how do you owe any amount on a charged off account? 

I've attached in this complaint a copy of my XXXX  credit report showing false information. And a copy of the cease and desist letter sent to the company directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Someone added me as an authorized user to a card. I never gave my permission or consent to be added to a card. I am not responsible for this dept and it needs to be removed 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 2019-05-14 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: OH

Complaint narrative:
XXXX XXXX doesn't accurately report to the credit bureaus and will not fix their issues when a consumer contacts them to resolve the issue. I leased a new vehicle through XXXX XXXX. I returned my original XXXX XXXX XXXX and a payoff check from the dealer was mailed out to them for the amount of {$1300.00} to cover this. The check was received by XXXX XXXX on XX/XX/XXXX but was not credited to my account until XX/XX/XXXX. My original due date for my payments remaining on the lease was XX/XX/XXXX. Because I purchased this new lease I contacted XXXX XXXX to validate if anything was going to occur to my credit report since I was 2 days late. This was even prior to the due date lapsing. I was told they only report at 30 days past due. Once they received the check and credited to my account, they still left my account in a past due status. This was after my inspection for no damage on my return vehicle and when they waived the early termination fee or disposition fee since I leased again through them. I was told that the account would show past due even though they were paid since it is a " retail account '' and wouldn't be removed from the online portal until the car sold at auction. I took them at their word and left it at that. They neglected to ever update my credit report with the credit bureaus and left the {$1300.00} balance out there for over 2 months since they were paid off. I filed a dispute with Transunion and XXXX hoping that they would address this issue. XXXX XXXX then reported back to Transunion that I was 30 days past due for the {$330.00} dollar amount that would have been a normal payment. This is not accurate information. When I attempted to contact XXXX XXXX via phone, after I had discussed all the logistics of my current lease with them over 10 separate calls, I was told that my account is not showing past due and that they didn't report that information to the credit bureau ( Transunion ). They said I would have to follow the normal dispute process to get this fixed and would not forward me to anyone that could properly address the issue. As a consumer that re-leased through them, always paid on time and made every attempt to prevent this, an issue still occurred.

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 2019-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONWIDE ADVANTAGE MORTGAGE COMPANY
State: GA

Complaint narrative:
I need assistance in obtaining a cancellation of the security deed with Nationwide Advantage Mortgage. The mortgage was paid off in XXXX. XX/XX/XXXX, I applied for a home loan and found that the title was not clear. The loan officer at XXXX Bank and myself have tried to found someone who could help ... to no avail. The account has been transferred to XXXX XXXX. Since the account is not active, they can't provide any assistance. I do have in my possession two letters from Nationwide stating that the loan has been paid in full and a release would be sent to the recorder office.

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 2019-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
The account with XXXX XXXX agreed to a settlement with XXXXXXXX XXXX XXXX by my wife on XX/XX/19. Balance was {$4600.00} they settled for {$2600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14 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: BB&T CORPORATION
State: VA

Complaint narrative:
On XX/XX/2019 a charge for XXXX caused a XXXX over draft and fee and on XX/XX/2019a charge for XXXX caused an overdraft fee. I am XXXX years old and live alone on ssi for XXXX my rent is XXXX, i live in an senior   living facitly. I cant afford these fees but need to live as well. The XXXX charge was for XXXX which i have cancelled mutlitple times and they continue to bill. I attempted to get the fees removed but was refused and told i could not close acct till i paid fees The bank in Question is BB & T

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